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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 : Retire Sooner, Retire Richer
Author : Frank Netti
Rating : 5 Stars out of 5.
Summary : Essential Advice for an American Who Wants to Retire Early

If you make a mistake with your retirement planning, chances are you will have to live with that mistake for the remainder of your life . . . and wish you had been more careful. Retire Sooner, Retire Richer will help you avoid the bulk of the mistakes that trip up the majority of people. The book is written in a common sense way that can be understood by almost anyone.

A portion of the author's income from the book will go towards low-income workers and their families affected by September 11, 2001, and to charities serving the hungry and homeless, such as Greater New York Labor-Religion Coalition, Second Harvest (USA), Catholic Relief Services (outside the U.S.), and Habitat for Humanity International.

When I first learned about Retire Sooner, Retire Richer, I was skeptical that it could add anything to my knowledge of investments, tax law, estate planning and how to get practical advice. As a result of reading the book, I was pleasantly surprised to learn a great deal of valuable information that I did not know before. After having assessed that information, it made me realize that anyone who works for a company, wants to retire early and desires to leave an estate behind needs a great deal of help. I strongly encourage anyone who is within 10 years of retirement to read this book!

The book opens with one of the best explanations I have ever seen about why volatility in financial instruments means that you have to be very conservative in planning your retirement investments and even more conservative in withdrawing from your retirement savings. Otherwise, you don't save enough and a down market can cause you to wipe out your savings at a time when stock prices are low. This really hit home after seeing the stock market drop for three straight years until 2003. The suggested guidelines in both areas made a lot of sense to me.

Next, Mr. Netti described many ways that you can choose to reduce the current and future taxes to be paid on your income and savings. Most of these choices are only available to you well before you retire. So if you wait until the day before retirement, you will lose many valuable tax reductions. In addition, if you die before your planned retirement date, failure to use these choices will cost your heirs quite a lot!

From reading the text, I began to appreciate that the tax laws governing pension payouts and IRAs have gotten to be very complex. Only someone who follows these details on a daily basis and works with them all of the time can hope to appreciate and take advantage of all the nuances if you want to retire early. From this, I began to see (for the first time) why the advice from a well-schooled financial advisor can pay a vast multiple of the cost of such an advisor. Mr. Netti certainly seems to be such an advisor.

He goes on to give you a process to locate the right financial advisor for you. The process seems like a good one, although I have never personally looked for a financial advisor. Reading Retire Sooner, Retire Richer will also prepare you to get more benefit from working with an advisor.

If you are totally averse to ever working with a financial advisor, this book may change your mind. Reading the book struck me as being a lot like what you might discuss with a financial advisor. I was grateful for the chance to have this dry run on the experience.

Here's the outline of the book:

Part One: Understanding Your Retirement Investments

Chapter 1: The Numbers Game and Retirement Timing
Chapter 2: Factors to Consider When Transitioning to Retirement
Chapter 3: Why Some Retirement Plans Fail and Others Succeed
Chapter 4: How to Improve Your Money-Management Decisions

Part Two: Building the Wealth You Need

Chapter 5: Portfolio Lessons for a Lifetime
Chapter 6: Why You Need to Act Now to Live Happily in Retirement
Chapter 7: How to Make the Best Use of Your Retirement Distribution Options
Chapter 8: How You Can Provide Added Income for You and Your Heirs
Chapter 9: How to Use a Rollover IRA to Leave More to Your Heirs

Part Three: Managing Your Nest Egg

Chapter 10: The Advisor Advantage
Chapter 11: Creating a Financial Planning Review
Chapter 12: The Importance of a Personal Investment Policy
Chapter 13: How to Pay for Financial Management Advice

As I finished the book, I found myself thinking about where else in my life I might benefit from skilled advice . . . and have not been seeking it.

Title : Retire Rich with a Property Pension
Author : Nicholas Braun
Rating : 5 Stars out of 5.
Summary : A fascinating read

If you're into property investment this book is absolutely critical reading. From April 2006 residential property will be an approved pension investment. This book does a good job of explaining why and how you should take advantage of this fantastic opportunity and save literally tens of thousands of pounds in tax.

There's also lots of info on the current commercial property sipps and all the other important pension changes that come into effect in 2006.

The author's has a good writing style and uses loads of examples throughout.

If you're into property investment or using property as an alternative to a traditional pension you'll find it a worthwhile read.

Title : Last Minute Retirement Planning: It's Never Too Late to Plan for the Future
Author : Steve Rosenberg
Rating : 5 Stars out of 5.
Summary : Simply the best book I've found yet on the subject.

I bought this book for a client who is retiring shortly. I have to say this is the best book I've found yet on this subject. It gives practical advice in a short, readable format. So many books claim to show you how, then give simply crummy, or at best questionable advice. There are no magic bullets. There are no shortcuts. As a financial planner I have read many so called 'self help' (more like self mutilation usually) books on the subject, and received many good laughs as a result. In a bull market anyone can swim, but when the tide goes out, we'll see who's swimming naked. This book gives you the information you'll need to prepare financially for the rest of your life. It does not tell you all of the answers (would you really want to read one tha claims to?) but it does lead you in the right direction toward finding them. I strongly reccomend this book to anyone planning to retire, be it 3 days or 30 years from now. You could spend much more, for much worse advice. Buy it, and get one for a friend.

Title : How to Retire Rich: Time-Tested Strategies to Beat the Market and Retire in Style
Author : James P. O'Shaughnessy
Rating : 5 Stars out of 5.
Summary : A Nobel Prize for O'Shaughnessy!

The main message of _How to Retire Rich_ is that if you want to retire rich, or retire at all for that matter (ever!), you must invest in the stock market. You just don't have a choice in the matter. Sit down and let James O'Shaughnessy take you through the math---you'll quickly see that that is just the financial reality. The good news, however, is that investing in the stock market, when done properly, is not what you think it is. It's not about outsmarting all the other investors out there. It's not about trying to get a 'ten-bagger' so you can buy a cool car and brag at parties. It's not even about shrewd business savvy and scanning financial reports. It's about picking an effective strategy and sticking with it year in, year out until the day you retire, never pulling your money out of the market.

But if that sounds hard, don't worry. One of HTRR's strongest points is the wealth of wisdom it provides on the mental aspects of investing over the long term. What do you do if your portfolio tanks? What do you do if it soars? This is a problem? You'd be surprised! O'Shaughnessy is probably the only author with a completely rounded, mature outlook on the emotional aspects of investing. Reading HTRR will give you the confidence you need to invest and stay in the market through good times and bad.

So how do you invest? O'Shaughnessy breaks it all down for you, telling you exactly what to do. We're not talking the usual vague, feelgood accepted wisdom here such as 'buy market leaders' or 'buy on weakness, sell on strength'. Throw all those books in the trash! HTRR will tell you how to quickly find the precise stocks you should buy. You'll finish the book at 2 o'clock and have a list of the stocks to buy in your hand at 2:30. Yes, it's just that easy. You'll also know exactly when to buy them (now) and when to sell them (a year from now), and what do after that (repeat the process until you retire). What could be simpler?

O'Shaughnessy should be nominated for a Nobel Prize. He is a modern-day Charles Darwin with a theory that has all the hallmarks of a revolution in scientific thought. The theory is simple, but deceptively so. Many readers come away thinking they have understood it, only to later demonstrate that they clearly haven't. Even Motley Fool was apparently unable to grasp Reasonable Runaways (one of the strategies in HTRR). They tried to test it with a universe of stocks picked from Value Line (!). When it wasn't performing well after six months (!), they wondered how they could tweak it (!) to "make it dance" (their words). You'll understand just how ridiculous all of this is when you read HTRR.

Perhaps the reason for this widespread misunderstanding is that while the theory itself is simple, its ramifications are not---and without understanding its ramifications, it is impossible to truly understand the theory. Like Darwin, O'Shaughnessy has taken 'God'---the human element---completely out of the picture. That's what readers find so hard to grasp. O'Shaughnessy has shown that not only is human intervention in portfolio management not necessary, it's downright harmful. Given enough time, any human intervention will only lower a portfolio's returns from the optimum returns that could be obtained using a simple model.

I hesitate to include the returns I have earned over the past four years using the Reasonable Runaways strategy in this review, because I don't think they're typical. I have earned 93.15% (CARR of 17.88%) versus 1.17% (CARR of 0.29%) for the SP during the same period (July 15, 2001 to July 15, 2005). And this is during a time period that includes 9/11. But as you'll discover from reading HTRR, four years is a meaninglessly short amount of time over which to gauge performance. Also, giving out exciting returns numbers shifts the discussion away from the real message of the book---get in the stock market and stay there (investing properly of course). It's the only way you'll ever be able to retire, rich or otherwise.

For UK readers, I�fd also like to point out that if you invest in the US stock market and live outside the UK (as I do), it�fs tax-free. How can you go wrong?

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 : The Golden Door to Retirement and Living in Costa Rica: A Guide to Inexpensive Living in a Peaceful Tropical Paradise
Author : Cristobal Howard
Rating : 3 Stars out of 5.
Summary : Great Book!

Hi, I am working at ILISA Language Institute in Costa Rica, San Jose and I just want to say that this book helps our student a lot by giving them helpful tips or by arrange their own travel in Costa Rica. Thanks!

Title : Celebration
Author : Harry Crews
Rating : 2 Stars out of 5.
Summary : An unbelievably lame tale from my favorite author. Bummer.

I've savored and passed around every Crews novel in print, but I had to force myself to finish this one. If you've never read a Harry Crews novel, don't start with Celebration. Skip it and pick up Scar Lover, Feast of Snakes or Knockout Artist and see the strange genius of Crews at its finest. His brilliance is in the way he touches deeply into the lives of disturbed outcasts and makes you laugh out loud and fall in love with all of them.

Celebration has the cast of outrageous characters that I love about Crews's novels, but here they just seem ridiculous and silly with none of Crews's previous characters' charm and wit.

The jacket art, depicting the gorgeous 18 year old Too Much, is the best thing about this book. Too bad Crews can't convince us that such a creature exists, even in Forever and Forever, a Florida trailer park for eccentrics at the end of their miserable lives.

Too Much shares a trailer and a giant bath tub with Stump, the elderly owner of the park whose missing hand and resulting nub is the main reason she's with him. "Had it been possible, she would have taken him inside her all the way to the shoulder." If you think the names of these characters are hard to swallow, you have an idea of how much disbelief you will have to suspend to get this one down. It's as if Crews had his students write this one as a class project.

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