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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 : The Joy of Not Working: A Book for the Retired, Unemployed, and Overworked
Author : Ernie J. Zelinski
Rating : 5 Stars out of 5.
Summary : One of Top 3 books on business I've ever read

Even though the Joy of Not Working is technically not a business book, I'd lump it in that category nonetheless. I've read what seems like a gazillion books and I have to rate this little jewel as one of the three best business/lifestyle books I've ever read (the other two are Hawkins' Growing a Business and Lancaster's Secret Money Machine)--it's filled with wit and humor and tons of little tips. I've read it three times and Zelinski seems to add stuff between each reading. Enlighted guy!



Title : All About the New Ira: How to Cash in on the New Tax Law Changes
Author : Steve Merritt
Rating : 4 Stars out of 5.
Summary : A good and clearly written book on the different IRAs

This is a wonderful book the that clearly explains the different available retirement plans. While the descriptions seemed detailed, I would like to see a later volume that explains any changes in the new Roth legislation. A great book for those struggling with options.



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 : This is the best retirement planning book I've ever read!

This is the first retirement planning book I've ever read that realistically addresses how much money you really need to save for the lifestyle you want. I now realize that I don't need to save millions, that my current saving plan is perfectly adequate for the lifestyle I want. I can relax, enjoy my life and family, and work on retaining my health.



Title : Rich Dad's Prophecy
Author : Sharon L. Lechter
Rating : 2 Stars out of 5.
Summary : Massively dissappointing addition to an outstanding series

Robert Kiyosaki's "Rich Dad" series has become a seminal work for those seeking financial freedom and success. Following the guidance of his previous works I, my family and colleagues have made huge strides in increasing our net wealth and still consider the day that we read the first book to have been truly life changing.

This latest book, however, is a huge disappointment for anyone who is an experienced 'follower' of Kiyosaki. There is very little new and it appears that the series is becoming a cash cow for him to milk money out of in return for repeating previous material. The amount of content regarding the key topic (the financial impact of the change in the US population make up) is tiny and adds little to what is available free through simple internet searches. The tendency to use the text to advertise other "Rich Dad" products is increasingly annoying and adds to the feeling that the author is not really interested in adding value, except to his bank balance.

For newcomers to the series, though, the book could be useful as it combines topics from all of the previous four texts; a low cost way of getting the most for your money. I still reccomend the original "Rich Dad, Poor Dad" as an outstanding stand alone work (for its attitude alone). This new book would add to that nicely as a pair, saving the need to purchase the intermediate series or numerous attached products.

For those of us who have awaited Kiyosaki's output with anticipation, this is depressingly bad and verging on a deliberate rip off. Stick with the original and look for answers to the questions about the coming decade elsewhere.



Title : You've Earned It, Don't Lose It: Mistakes You Can't Afford to Make When You Retire
Author : Suze Orman
Rating : 5 Stars out of 5.
Summary : Very specific, useful info for BIG retirement decisions.

Orman provides very specific information and advice that you will not find unless you shell out big bucks to a financial advisor. For example, Orman tells you how to take money from your IRA before age 59 1/2 with NO PENALTY (substantially equal periodic payments), but adds VERY IMPORTANT advice on how to structure the portfolio to protect the nest egg. Another example of very specific, useful info includes the chapter on long-term care which gives instuctions on how to determine if you need LTC insurance, how much to buy, when to buy, what kind of company to buy from, etc.

The entire book is filled with this kind of specific info - a "must read" for the "do-it-your-self" personal financial manager.



1. Louisiana Retirement Development Commission
The Economics of Retirement-Age Population ... As a group, the retirement-age population has accumulated more wealth and has greater ...

2. State Retirement Age Increase Expected by 69% of Population | Article
15-NOV-04 - The majority of Britons believe that the government will increase the state retirement age in a few years time. Research by Axa found... | Free With Signup

3. Population Aging
Population aging has many important socio-economic and health consequences, ... population aging is often driven by a concern over its burdening of retirement ...

4. Britain's retirement age will "undoubtedly" rise
... the proportion of the working-age population in paid jobs from its current ... Young workers dismissive about need to save for retirement. The great age debate ...

5. Social Security Area Population Projections
The population at or above age 65 (normal retirement age), rises from 34 million ... the ratio of persons of retirement age (currently ages 65 and older), divided ...

6. National Statistics Online
... of the total population, around the same proportion as those of retirement age. ... Men born during this period will reach retirement age in 2012 (at 65 years) ...

7. Population Aging and Retirement Migration_KPC
Population Aging and Retirement Migration. Background ... aging population do not necessarily match with those that serve as retirement destinations. ...

8. Trends in retirement age in four countries, 1965-95
nowing the average age at retirement for. a given population provides important ... portion of the population that reaches retirement age. ( See ...

9. CBC News Indepth: Retirement
Retirement ... They made up 27.8 per cent of the working-age population. ... Britain to raise retirement age (May 25, 2006) ...

10. Retirement Changes Dramatically Over the Years! | ElderWeb
Retirement was only for the very old, and the average age of retirement from the ... Retirement age population as a percentage of the total population was taken from ...

11. LCQ4: Retirement age
... is facing the problem of ageing population and the Government will study whether ... (a)-(c) There is currently no mandatory retirement age in Hong Kong. ...

12. Baby boomers swell ranks of retirement-aged Canadians
... of baby boomers, Canadians approaching retirement are now the fastest-growing ... tail end of the working-age population," said Rosemary Bender, the director ...

13. Ageing - Wikipedia, the free encyclopedia
Population aging. Rejuvenation (aging) Retirement. Senescence. The Grim Reaper Gene. Youth bulge ... Does The Aging Of The Population Really Drive The Demand ...

14. Florida's aging PoPulation
retirement options. Our goal for this third edition of ... 23% of our population over the age of ... retirement migration and housing for Florida's older ...

15. FRB: Testimony, Greenspan--Aging population--February 27, 2003
... almost certainly rise more rapidly as that generation reaches retirement age. ... Europe's working-age population is also anticipated to recede, and the share of ...

16. Retirement income for an aging population : a report [WorldCat.org]
English Book Publisher: Washington : U.S. G.P.O. : For ... Hi -- I thought you might be interested in Retirement income for an aging population : a report. ...

17. Does Population Aging Represent a Crisis for Rich Societies?
... in the percentage of the population past retirement age must eventually ... population past any given age, including the retirement age. However, it also ...

18. Section M - The aging population and retirement
This publication presents charts and highlights of key trends in Canada's job market ... M - The aging population and retirement. Canadian population by age ...

19. Population ageing - Population and Sustainable Development
Ageing refers to the increase in the population's median age. ... the population of school age and younger and 25 percent of the population in the retirement ages. ...

20. Research Recap " Blog Archive " Aging Population Challenges Retirement ...
Aging Population Challenges Retirement Assumptions ... Addressing the issue of our aging population is a matter for society as a whole. ...

21. Demographics of an Aging Population
Why Does the Age Structure of a Population Matter? ... What if the age at retirement goes up to 67 as will be encouraged by changes in ...

22. Retirement age declines again in 1990s
The average retirement age resumed its long-run decline ... raise the proportion of the adult population living in retire- ment. ...

23. Older Population Could Force Retirement Age to 85 | LiveScience
A person entering the workforce today in America might face a ... Older Population Could Force Retirement Age to 85. By Bjorn Carey, LiveScience Staff Writer ...

24. Retirement Programs Face an "Aging-Population Tsunami" - Knowledge@Wharton
... Security checks and an aging-population tsunami is sweeping the ... impact on retirement security as the nation's elderly population continues to increase. ...

25. Population Aging and Life-Course Flexibility: The Pivotal Role of Later ...
... Retirement Decision. Discussion Paper. March 2004. PRI Project. Population Aging ... Early retirement, in the context of population aging, has the potential to ...

26. Greenspan Again Pushing for Higher Retirement Age
... the speaking circuit today pushing for Americans to increase the retirement age ... growth rate of the working-age population in the United States is anticipated ...

27. Live Long and Prosper: Challenges Ahead for an Aging Population
sharper increases in their retirement-age population. ... retirement-age population larger than the increase. predicted for the United States. ...

28. Population & Sustainability Network - Research
... academics and others, to increase leverage on population issues. ... the population will in themselves require support once they reach retirement age. ...

29. Budget Crunch: Population Aging in Rich Countries - Brookings Institution
Retirement, Saving, Aging, U.S. Economy, Community Development ... Does Population Aging Represent a Crisis for Rich Societies? ...

30. 2001 Census: Age and sex profile: Canada
Working-age population increasingly made up of older workers ... age population to replace individuals in the age group nearing retirement. ...

31. Population pyramid - Wikipedia, the free encyclopedia
... European countries), and people may work beyond the age of 65, or retire early. ... Age pyramid has similar uses to population pyramid. ...

32. An Aging of Population and Pension System:
irrespective of age, a full retirement pension with decreased ... retirement age (sevenfold), growth in the working age population ...

33. Compulsory Retirement Age Contradicts Pension Needs
Age Concern has highlighted what it believes to be a contradiction between the UK's mandatory retirement age ... ageing population, many people are having to ...

34. Why Population Aging Matters: A Global Perspective
Trend 5: Aging and Population Decline. Trend 6: Changing Family Structure ... population aging more than work, retirement, and economic security in old age. ...

35. How Much Is the Working-Age Population Saving?
... retirement papers/107. HOW MUCH IS THE WORKING-AGE POPULATION ... question of retirement preparedness, the saving by the working-age population is the key ...

36. BBC NEWS | Science/Nature | Retirement age 'should reach 85'
The age of retirement should rise to 85 by 2050, to cope with longer life ... between historical trends in ageing, population growth and economic activity. ...

37. Reviews: Boulder Dam Hotel, Boulder City - TripAdvisor
Boulder Dam Hotel, Boulder City, NV: A great 24 hour stay - Visit TripAdvisor for 25 unbiased traveler reviews of Boulder Dam Hotel.

38. Population Size
the retirement age population being female. This equates to 3.7 million men and 6.4 million ... 33,000 people of retirement age in the borough accounting for ...

39. Optimum Population Trust: More information on an ageing population
... age groups can be added together, using different retirement thresholds ... By pushing up retirement age to 70, however, the proportion would be 44.8% of a ...

40. The population timebomb - Home News, UK - The Independent
Dramatic evidence of Britain's rapidly ageing population emerged yesterday as figures showed that the number of pensioners ... are of retirement age 19 per ...



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