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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 : Rich Dad's Retire Young, Retire Rich: How to Get Rich and Stay Rich Forever! (Rich Dad's Advisors Series)
Author : Robert T. Kiyosaki
Rating : 5 Stars out of 5.
Summary : Essential Look at How You Must Think and Act to Prosper!

This book deserves more than five stars for its exceptional clarity, authenticity, relevance and eloquence.

Those who love the Rich Dad, Poor Dad books will adore this one. I found it to be the best book in the series since Rich Dad, Poor Dad.

Mr. Robert T. Kiyosaki speaks with the authority of experience. He did retire young at 47 while his wife was 37. At that time, his expected annual income was between $80,000 and $125,000. Many people yearn for early retirement with wealth, mostly because they hate their work. Mr. Kiyosaki was soon back at work, establishing new businesses. Most of his wealth was created after he retired. "I keep working because there are so things that need to be done." So, he has clearly moved from earnings a living, to living a mission of self-expression. That's very wonderful, and I hope you will accomplish the same result!

Although the subtitle says this is "how to" book, it's really more of a "what to think" book. The fundamental concept is to leverage your mind, your plans, your actions, and your priorities to get wealth faster and more easily.

As usual, Rich Dad provides some wonderful quotes. Here are a few of my favorites.

"David could beat Goliath because David knew how to use the power of leverage."

"Cash flow is the most important word in the world of money. The second most important word is leverage."

"Leverage is the reason some people become rich and others do not become rich."

"Because leverage is power, some people use it, some abuse it, and others fear it."

"Getting rich begins with words and words are free."

" . . . do more and more with less and less."

The first books in the Rich Dad, Poor Dad series have been about cash flow. This one shifts over to leverage. Section 1 is about leveraging your mind, section 2 looks at leverage from a plan to retire, section 3 addresses leverage from actions. The book goes on to give you a final exam on your attitudes and a challenging thought to chew on to help get you focused properly: making lots of money with no money to start with.

Now, any book about leverage would normally have lots of pages on how debt leverage works. In fact, that is only a small part of what this book talks about. You will find that discussion in part of chapter 16, which looks at all of the forms of leverage in real estate.

One of the strengths of the book is a fine discussion of how to think about risk and reward. It's not how often you fail, but how big the costs of your failures are compared to the rewards of your successes . . . and your determination to keep trying until you succeed. For instance, 9 out of 10 new businesses fail. But the value of the 1 in 10 that succeed should vastly outweigh the costs of the 9 failures.

The book is excellent in warning you against the risks that you are unconsciously taking. Most people have 100% of their financial futures tied up in government pension and Medicare payments and the stock market. Mr. Kiyosaki correctly points out that this assumption is probably faulty, because there are far more Baby Boomers depending on these two resources than there are resources. One part of the leverage concept is to have more streams of cash flow. He also has excellent ideas on how to reduce risk in your current and potential sources of cash flow.

You are also given a list of good habits to pursue. And top tips from the prior books are repeated in a convenient section near the end of the book.

If you follow the advice in this book, it will be worth more to you and your family than all the other investment and retirement books that you read combined. But you have to take action! Thinking about taking action won't get you there.

I would describe this book as being a lot like Tony Robbins's book, Personal Power, except it is focused effectively on the emotional and mental disciples needed for financial security and investing.

By the way, I have known many people who have retired young with the assistance of being rich. They all embody the principles captured in this book. By contrast, at age 65 only 5 percent of all Americans will be able to afford to live a wealthy life style. Most will be looking for more income. Act now . . . to have a choice of future life style.

Think and live the thoughts that will make you as rich as you want to be! The solutions are there if you look for them.

Title : One World, Ready or Not
Author : Wil Greider
Rating : 5 Stars out of 5.
Summary : An Alarming But Accurate Perspective on the Global Economy

The Washington political elites repeatedly tell us how wonderful things are today; why does the American public have difficulty believing the message. Inspite of 8 years of economic growth, why is real median family income stagnant? Why is income polarization increasing across America and the entire world? Sadly, the American public is clueless to the economic forces reshaping the nation.

William Greider addresses the most important issue concerning America's economic future: the globalization of the economy and it's implications. In the new world order, capital is in limited supply but labor is in overabundance. As would be expected in a laizze faire economy, the cost of labor will remain depressed in the industrialized world.

In the developing nations across Asia and Latin America, the factory workers simply don't have the purchasing power to buy the products they are manufacturing. Since Japan has never matured into a consumer based society, developing nations especially China will add to the global oversupply of labor and production.

While few mainstream economists predicted the recent economic collapse of the 11th largest economy (ie. South Korea), William Greider's prediction of global economic chaos and collapse can no longer be ignored. "One World, Ready or Not" should be heeded by Washington policymakers mesmerized by the exuberance of the stock market.

Title : Wall Street on a Shoestring: Financial Success for Just Five Dollars a Day
Author : Clare La Plante
Rating : 4 Stars out of 5.
Summary : Highly recommended. Smart, well-written, very accessible.

An excellent and impressive treatment of a complex subject. With all the hype about investing in the stock market (and with recent the market swings up and down) it's great to have a basic primer that lays everything out in clear and easily understood language. I'm buying this book for my elderly mother, for friends who have wanted to try investing but have been afraid, and anyone intimidated by the jargon spewed by the financial media, which assumes a level of knowledge and experience beyond the typical American consumer.

Title : 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 : Retirement Planning Guide
Author : Robert J. Garner
Rating : 4 Stars out of 5.
Summary : Excellent pre and post retirement planning information.

This guide provides excellent pre-retirement planning suggestions. Has traps, obstacles and helpers outlined for quick review and advice. Has a number of "tools" in the form of worksheets to assist in planning for both before and after retirement events. Presents a number of post-retirement ideas with several suggestions of how to manage and/or increase your income in retirement. Authors are somewhat short on information for the mid 50's retiree concerning how to access 401k and IRA funds without penalty between 55 and 59 1/2. No info on what forms are needed and where they are available, or what needs to be filed and where. Has one slight reference in the appendix on how to accomplish withdrawals without penalty. Having read a number of retirement planning books available on the bookshelf, I found this volume excels in providing useful information not found in similar guide books.

Title : Murder in Retirement
Author : John Miles
Rating : 2 Stars out of 5.
Summary : Amusing but not riveting; too "cutesy."

Murder in Retirement was amusing but not really spell-binding. The author went a little "over-the-top" on many of the characters (the actors, Maude, etc.) in that they were stereotypes of stereotypes, not well-developed individuals. The plot was satisfactory, but some loose ends did not get tied up at the end and the final wrap-up was much longer than necessary. He could focus more on the elaboration of the main characters, Laura and Aaron. An o.k. escapist read.

Title : Ageing Body, Confused Mind
Author : Pete May
Rating : 5 Stars out of 5.
Summary : Ageing Body, Confused Mind

This is the funniest book I have ever read. I was looking for practical help with growing older and this book demonstrated to me that ageing does not have to be a problem, depending on how you look at it. We should all grow old as Pete May suggests - laughing and being ourselves. Thank you for showing me an alternative.

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