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It would be great if we could all retire with a nice portfolio of savings and pension income, without having to worry about paying the bills most retired people pay.

Yet...many retirees are living out their retirement on the breadline without much hope for even going on holiday without being assisted by relatives or even handouts. Don't let yourself be one of them...it's never too late!

Title : Get a Life: You Don't Need a Million to Retire Well
Author : Ralph Warner
Rating : 5 Stars out of 5.
Summary : Excellent Contrarian Viewpoint

This book should be required reading for anyone who thinks about retirement, from those just starting out in their 20's and 30's to those nearing retirement. The book is a refreshing, contrarian view to the conventional wisdom of "save tons of money for retirement", "you'll need 70-100% of your current income in retirement", etc., etc., etc. The traditional retirement literature is focused almost exclusively on money, with which Warner takes exception.

Warner's focus is on the whole person - he makes a very compelling argument that money is a FACTOR in a good retirement, but that it is also important to cultivate health, outside interests, friendships and family. He believes these latter factors have a FAR greater influence on a successful retirement than money. He bases this viewpoint on research among those enjoying active, successful retirements.

Warner is not a Pollyanna, saying not to even think about retirement savings (as some critics seem to suggest). The book contains some common sense ideas on savings and admits that having SOME money may help. Warner's point, however, is that money alone isn't going to make you have a successful retirement if you neglected your family, friends, outside interests, spirituality and health in order to get the money.

I highly recommend this book to anyone who ever thinks about retirement. You may not agree with the proposition, but the book will really help expand your view of the elements of a good retirement and may help you plan a more enjoyable life.

Title : Rich Dad's Prophecy
Author : Sharon L. Lechter
Rating : 4 Stars out of 5.
Summary : Beware 2016! -- Good Financial Education for New Investors

n
Before commenting on the book's message and argument, let me discuss its communications style. There is a great on-going debate about whether the details that Mr. Kiyosaki presents about himself and his "Rich" and his "Poor" (and biological) Dad are literally true. I don't know, and I don't intend to try to find out. For my purposes, I treat the communications style of this book as a fable to help teach a lesson. I do evaluate the accuracy of the lesson itself in these comments.

If you've read some of the Rich Dad, Poor Dad books before, the main new information in this book is an explanation of why stock market investing with pension money is a dangerous way to grow your "wealth." In addition to being at risk from con men, thieves, incompetents, brokerage houses and market volatility, you face the ticking time bomb of a growing number of U. S. investors being legally required to liquidate their holdings beginning at age 70 1/2. As the Baby Boom generation turns 70 1/2 beginning in 2016, the selling moves from being a trickle into being a torrent that overwhelms new funds into the market at some point . . . followed by an inevitable collapse in stock values. If you want a more detailed, confirming discussion of this issue, the book, What If Boomers Can't Retire?, is a good choice. Harry S. Dent, Jr.'s demographic books also look at this issue.

If you already believe in the messages of the earlier books, you could skip this one . . . especially if you have already decided to avoid or minimize stock-market investments.

If you have read none of the Rich Dad, Poor Dad series, I suggest that you start with Rich Dad, Poor Dad before tackling this one. You'll understand this book better if you do.

The other problem with traditional defined contribution pension investing (usually by 401-k plans), of course, is that a pension fund contribution takes lots of cash out of your pocket (unless the employer matching is very generous -- way more than 2:1) to put some money into the retirement account. So you face the possibility of being much poorer in cash flow while you save for retirement investing and poorer when you cash out of the investment after you pay the taxes on what you take back in what could be smaller values. Imagine if you had had to start withdrawing from your pension fund in 1929. That's one nice illustration that I enjoyed in the book. Possibly, the same could occur after 2016. Who knows?

The second half of the book advises you on how to build a financial ark against hard times by relying on building cash-generating businesses and investments (such as rental properties) after you achieve your financial education (which you didn't learn in school, even if you got a business degree from most schools). You are encouraged to start small and develop various kinds of control over your emotions, advisors and actions. It's all sound advice. My only complaint is that people who are going to start making real estate investments and building cash-generating businesses need a lot more information than is here. I graded the book down one star, accordingly.

The first half of the book could have been shortened up quite a bit, but for those who are unaware of the demographic time bomb's potential effect on their investments, it may help to get the story in small doses.

The surprise for a lot of people in this book is going to be that what they hear every day from best-selling "authorities" about the "right rules" of retirement investing could easily turn out to be wrong for them.

After you absorb and begin to apply these lessons, I suggest that you think about where in your life the conventional wisdom led you down the wrong path. Where else could that be happening to you now?

Title : The Beardstown Ladies' Stitch-In-Time Guide to Growing Your Nest Egg: Step-By-Step Planning for a Comfortable Financial Future
Author : Robin Dellabough
Rating : 1 Stars out of 5.
Summary : What a JOKE!!!!

This group of ladies have been totally discredited, their track record has proven to be a total farce. (After the seld-described track record was audited, they in fact have underperformed the market.) When these ladies cannot even figure out that new investment funds should not be counted as return but as invested capital, how credible can the rest of their advice be???

How they can find a publisher to perpetrate this nonsense is beyond my comprehension!

Title : Pension Reform: Issues and Prospect for Non-financial Defined Contribution (NDC) Schemes
Author :
Rating : 4 Stars out of 5.
Summary : World Bank Academic book

For much of the past years most of the issues related pension has been about funding and many system as move from pay-as-you-go towards individual accounts.
In the past decade, however, several European countries have been trying out a new system of pension based on notional defined contribution by workers.
This is a very heavy book related to this topic.

Title : Get a Life: You Don't Need a Million to Retire Well (Get a Life: You Don't Need a Million to Retire Well)
Author : Ralph E. Warner
Rating : 5 Stars out of 5.
Summary : My favorite retirement book.

Lawyer/consumer advocate Ralph "Jake" Warner thinks the popular advice that implores Americans to save piles of money for retirement is hugely exaggerated. Jake urges us to have built a life worth living by middle age, and tells the stories of seniors who have done just that. He offers advice on many issues, such as deciding what a reasonable nest egg should be and developing a healthy lifestyle. This book will help you find your way to a more fulfilling retirement, while it eases your current stress level.

Title : Brilliant Deductions
Author : Wade B. Cook
Rating : 4 Stars out of 5.
Summary : An excellent "awareness" book!

"Brillant Deductions" makes people aware that you have the ability to take control of many broadbased pitfalls such as taxes, liabilities, and probate. It offers strategies that reduces risk in all these areas. Like anything else, seek advise from professionals before pursuing any strategy.

Title : Real Life Investing Guide: How to Buy Whatever You Want, Save for Retirement and Take the Vacation of Your Dreams While You're Still Young
Author : Kenan Pollack
Rating : 5 Stars out of 5.
Summary : A personal library must! Says a Cincinnati Investor.

There is absolutely no better tool in the market today. It's a great handbook for those sophisticated Generation X'ers, and an even a better tool for that worldly, younger new generation who are blazing trails right behind the X'ers.

Hey Boomers, your children, the N'Gens, are going to take the world by storm. With your ideas and their cohesive, cooperative energetic spirit, there isn't anything that they won't accomplish.... But without the financial skills so wonderfully illustrated in this book, your child will be left behind the pack. He or She will fail to live up to their unbelievable potential.

As an owner of this book, I can honestly attest to its value. I think it should be part of every high school senior's core curriculum! It is the only book that can make sure your child is ready to assist his/her peers in shaping the future of America and the World.

If your school board has not yet adopted this text, then please makes sure before your son or daughter goes off to college this fall that they have this guidebook to the world of life. America and for that matter the World will be grateful.

A Financial Analyst and Real Estate Investor (Cincinnati, Ohio)

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