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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 Automatic Millionaire: A Powerful One-Step Plan to Live and Finish Rich
Author : David Bach
Rating : 3 Stars out of 5.
Summary : Very well written, but not for everyone.

Over the past few years, I've bought and read several books on the theme of how to get rich. I have observed that these kinds of books come in three flavours;

1. Get rich by scrimping and saving (eg, "The Money Diet")
2. Get rich by making bold investments (eg, "Rich Dad Poor Dad")
3. Concepts on how to get rich (eg, "Think and grow rich")

The automatic millionaire is very much of the first flavour (scrimping and saving). In fairness, the author does a good job of disguising the fact that his approach amounts to little more than scrimping and saving by making his particular process "automatic" (I won't spoil the book too much by explaining what that means).

At the start of the book, the author describes a meeting he once once had with a couple of retired automatic millionaires, whose names escape me. He describes in depth how happy this married couple were now that they had held down steady (apparently low paid) jobs all their lives and were now reaping the benifits of many decades of savings and conservative investments. We learn about how they have two homes (one that they live in and one that they rent out) and how the husband drives a second hand car. We also are reminded over and over about how joyful and full of romance and wide eyed wonder this ageing couple seem to be now that they're cashing on their healthy pension schemes.

Whilst, I do not question that the automatic millionaire process has clearly paid off for these people, I was struck with a distinct feeling of disappointment as I read their story. Personally speaking, I find it very difficult to get excited about the idea of saving for the rest of my working life in the hope that I can life off a pension some day and drive second hand cars, like our happy couple described in the book. For me, this couple were precise examples of how I absolutely do NOT want to end up- maybe my expectations were too high going into this book!

Anyway, for what it's worth I have one or two other issues with the book that are of a slightly more academic nature. Although I'm no economics professor, I have read credible predictions of an impending stock market crash in the future when a tidal wave of elderly retired workers try to cash in on their pension schemes. Here in the UK, the government is on the verge of forcing everyone into signing up for pensions schemes. You don't have to be a mathematical genius to realise that the figures don't add up- surely we can't ALL get 10% interest rates on our pensions, as the author insists we can. Can we? I also think that his approach is dependant on you and I being able to generate a steady income (i.e., hold down stable jobs) until we retire in our fifties and sixties. Again, without trying to lecture too much or sound too negative, I think we live in an age where life long job security is something that is no longer on the table. So, personally I would put the case that the automatic millionaire process may not be as stable and as surefire as the author would lead us to believe.

Anyway, on a more positive note, the book is very well written and the author does a great job of keeping the subject both interesting and educational. In particular some of the mathematic models he presents are extremely eye opening and well presented.

In conclusion I would say this is a good book is you're a conservative, non risk taking, worker ant. However, for a faster, more exciting and (admittedly!) more risky road to richness I would be tempted to look elsewhere.



Title : Mrs. Ted Bliss
Author : Stanley Elkin
Rating : 5 Stars out of 5.
Summary : Once Again, a Masterpiece by Elkin

One of the most distinct voices in (Jewish) American literature, Stanley Elkin, has done it again with Mrs. Ted Bliss. From the title to the final chapter, the reader is forced to examine his/her preceonceptions about age, retirement, sex and social roles, and other stereotypes. Mrs. Ted Bliss, a retired widow with no skills, gets caught in a web of intrigue that leads to the downfall of a drug lord when she sells her car. Mrs. Ted Bliss, however, is no Mrs. Pollifax, ready to karate-chop her way out of danger. Give it a read if you want to laugh out loud.



Title : Celebration
Author : Harry Crews
Rating : 4 Stars out of 5.
Summary : more twisted stuff from harry

While not the best Crews book i have read, and not the book i would recommend to a first time Crews reader, this still is a winner. You can just tell that Crews is feeling his age getting to him, which makes this seem more heart-felt. Yes, it is slightly more ridiculous than usual, but it is more of the same pained bizarre cruelty that stabs at the heart of human nature. So far, Crews is the person who has been able to capture that better than anyone else.



Title : Age Power: How the 21st Century Will Be Ruled by the New Old
Author : Ken Dychtwald
Rating : 5 Stars out of 5.
Summary : Age Power is a fine sequel to Dychtwald's seminal Age Wave.

Age Wave visionary Ken Dychtwald's new book is finally out. Get it! "Age Power: How the 21st Century Will Be Ruled by the New Old" (Jeffrey P. Tarcher, New York, 1999) is a feast of facts, ideas, analysis, history, prognostication, and wake-up calls. I cannot think of a more enjoyable way to consume the information we all need to prepare for the aging of the baby boom.



Title : The Roth Ira Made Simple
Author : Gary R. Trock
Rating : 4 Stars out of 5.
Summary : Great tables to evaluate whether Roth or Traditional is best

I bought this book to help me prepare for seminars I presented on the Roth IRA. It gave a clear understanding of the rules for Roth contributions, but its greatest strength was the tables that let one compare the future benefits of Roth/Traditional IRA based on current and future tax brackets, rates of return, as well as present age. Another feature was dealing with the future value of what Gary calls "Opportunity Costs" when considering a conversion from traditional IRAs to Roth Conversion. Opportunity costs is the future value of the money that needs to be paid to the government when the IRA is converted. Again, current and future tax brackets, age, and rates of return are clearly presented. A must for anyone who really wants to get a grasp on the numbers and not just skim along the surface.



Title : The New Golden Door To Retirement And Living In Costa Rica: A Guide to Inexpensive Living, Making Money and Finding Love in a Peaceful Tropical Paradise (New Golden Door to Retirement and Living in Costa Rica)
Author : Christopher Howard
Rating : 5 Stars out of 5.
Summary : Great, Great Book!

My husband and I found this book to be a godsend. It helped make our move to Costa Rica a lot easier and answered a lot of questions we had. We saved time and money by reading it. Even after living in Costa we refer to it occasionally. It was highly recommended to us by the Costa Rican Residents Association.



Title : Life Begins at 50: A Handbook for Creative Retirement Planning
Author : Leonard J. Hansen
Rating : 5 Stars out of 5.
Summary : This book has much valuable information about growing older

I found this book to be very well written and full of valuable information about enjoying life well into one's mature years. I will soon be fifty and now I am thinking about how nice it will be as opposed to dreading growing old. This is a source of inspiration for me. This book helps one to understand the value of growing older and reinforces the idea that growing older is a great opportunity. This book has much to offer those in middle age as well as those in late adulthood. I would especially recommend this book to those in the baby boom generation as they approach fifty.



1. Understanding the basic State Pension : Directgov - Money, tax and benefits
Everything you need to know about the basic State Pension - what it is, who qualifies and how to claim it ... Money in retirement ...

2. The Pension Service - State Pension - Basic State Pension
Information on State Pension, formerly known as retirement pension, from The Pension Service, part of the Department for Work and Pensions, UK.

3. State Pensions UK | Pensions | Pensions in Retirement
Find out about uk Basic State Pensions are paid in full to individuals with National Insurance contributions paid during their working life.

4. Pension Basics and the Basic State Pension - Retirement And Pensions ...
The value of the Basic State Pension has slowly been eroded in recent years and ... the Basic State Pension too much when you're making your retirement calculations ...

5. The Pension Service - Approaching Retirement
Information on the additional state pension that is paid in addition to the basic State Pension from The Pension Service, part of the Department for Work and Pensions.

6. Retirement and pensions : Directgov - Over 50s
Information on retirement and pensions for over 50s including planning ... Understanding the basic State Pension (money, tax and benefits section) ...

7. Selecting a Pension - Retirement Expert (UK)
The various types of pension schemes available and the rules and regulations of what pension schemes are available to you. ... Basic State Retirement Pension ...

8. DHSS Social Security Retirement Pension - Isle of Man DHSS Website
Social Security division information about Retirement Pension. ... Basic Pension - based on the qualifying years throughout the customer's working life ...

9. Basic state pension - Wikipedia, the free encyclopedia
... of the Basic State Pension (also known as the Basic Retirement Pension) is to ... Retirement Benefit. Pensions Credit. State Earnings-Related Pension ...

10. HM Revenue & Customs: Basic State Pension
Additional State Pension paid on the basis of your earnings before your retirement. The Basic Pension is a flat rate benefit based on the number of years (known as ...

11. Dictionary UK | Stakeholder Pension | State Basic Pensions | SERPS
Details of Stakeholder Pensions, State Basic Pension and State Second Pensions. ... basic pension earned to date and projected basic pension at the retirement age, ...

12. About You - You and your family - Retirement - The State Pension ...
Cassons, chartered accountants and business advisers, Lancashire and Manchester. ... for all benefits but most count towards the basic state retirement pension. ...

13. Basic state pension needs to double for comfortable retirement, says ...
Pensioners and people saving for retirement think the basic state pension would need to almost double to provide a comfortable retirement.

14. Pension provision in the United Kingdom - Wikipedia, the free encyclopedia
The state provides basic pension provision intended to prevent ... 1.1 Basic State Pension (BSP) or State Retirement Pension (SRP) 1.2 Additional Pension ...

15. Pensions information by Chris Bishop on retirement-matters
IFA pages - article on pensions &; annuities ... Find out how much basic retirement pension you can expect. How? ... of your basic retirement pension, and this ...

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Information, tips and advice about retirement. ... The current basic state pension (2007-2008) is £87.30 for a single person, and ...

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18. China Raises Basic Pension for Enterprise Retirees | Article
29-OCT-04 - Author: d China has begun to raise the basic pensions for the elderly who registered for retirement from enterprises according to the... | Free With Signup

19. pension, pension advice, personal pension, retirement planning
Impartial UK government information on state and private pensions from The Pension Service, part of the Department for Work and Pensions, whether you are retired, ...

20. Welcome to IBTC Pension Managers
Retirement Planning as an exercise the world over is fraught with many challenges. ... Under the new contributory pension scheme, retirement planning also takes a new ...

21. Entitlement to a State Pension - Help the Aged
What is a State Pension and am I entitled to a State Retirement Pension? ... How much of this basic pension you will get depends on how many qualifying years' ...

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25. You and your money
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26. The Pensions Advisory Service (TPAS) - Women & Pensions - Basic State ...
Personal & Stakeholder Pensions: Retirement Annuity Contracts ... Specialist Pension Arrangements: Funded Unapproved Retirement Benefit Schemes ...

27. You and your money
... pension the money provided to you in retirement as a ... So the basic rule is, the more years you work the more money you get from your state pension. ...

28. State Pension - Basic State Pension - Prudential UK
Financial information on Prudential insurance products ranging from Home, Motor ... The changing retirement landscape Saving and investing Building up a pension ...

29. Pension calculator
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34. Pensions & Retirement | How do I start a pension?
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