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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 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 : The New Golden Door to Retirement Living in Costa Rica
Author : Christopher Howard
Rating : 4 Stars out of 5.
Summary : The content was great; I dropped a star for the editing.

I breezed through the book in an afternoon/evening and found it to be extremely informative and accurate based on my limited ten day stay in Costa Rica. The author presents both sides for those considering relocating to CR. It is a wonderful place to visit which motivated me to inquire what it might be like to live there.



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 : Discounts and Good Deals for Seniors in Texas: The Best Bargains and Deals from Abilene to Zavalla for Ages 50 and Up
Author : Sylvia Spade-Kershaw
Rating : 5 Stars out of 5.
Summary : Excellent, layout is very good and easy to use

Contains information I was not able to find anywhere else. In my opinion, Sylvia did a very thorough research on this subject. I found the information to be very complete. The only exception is one grocery store in Georgetown that offers senior discounts of 5% on Wednesdays. This was offset by at least 12-15 discounts that were new to me. The book is very well organized. It provides listings by type of discount and location (city or town). It exceeded my expectation!



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 : 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!



1. Public sector fight for early retirement - Pensions, Money - The ...
More than a million public sector workers are preparing to go on strike on ... published last year, warned that the public sector pension bill would have ...

2. SSRN-Macroeconomic Implications of Early Retirement in the Public ...
SSRN-Macroeconomic Implications of Early Retirement in the Public Sector: The Case of Brazil by Gerhard Glomm, Juergen Jung, Chung Tran

3. Pension gap divides public and private workers - USATODAY.com
... pension as their counterparts in the private sector, ... Permit early retirement at age 50 or 55 with less of a benefit reduction than private pensions. ...

4. Ministers cave in over public sector early retirement - Times Online
THE Government caved in to the unions last night by abandoning its plans to raise the pension age for three million public sector workers from 60 to 65.

5. Early Retirement Rights Protected Under TUPE | Article
... early retirement pension benefits of staff transferred from the public sector following... early retirement pension benefits staff transferred public ...

6. 10,000 staff to vote on pensions crisis - Scotsman.com News
10,000 staff to vote on pensions crisis - THE Executive's troubles deepened last night after its decision to scrap early-retirement pension deals for public-sector ...

7. Macroeconomic Implications of Early Retirement in the Public Sector ...
Early Retirement, Pension reform, Capital accumulation. ... of public sector pensions causes early retirement which is costly and has to be nanced by ...

8. Early retirement and the public/private mix of pension provision
... a lower early retirement age are stronger for Germany public sector employees, ... show higher early retirement probabilities for public sector workers in both ...

9. Canada's Pension Predicament:
... public and private sector retirement trends and. pension plans ... Public Sector Drives the Early. Retirement Trend (under 60) 1987. 1989. 1991. 1993. 1995 ...

10. Early retirement pensions
... a public sector pension scheme, and may apply to early retirement benefits generally. ... payable by the Secretary of State ("the Early Retirement Benefits" ...

11. EH.Net Encyclopedia: Public Sector Pensions in the United States
... retirement plans are a relatively recent phenomenon in the private sector, ... By 1930, pension coverage in the public sector was relatively widespread in the ...

12. Phased Retirement Overview: Summary of Research and Practices
... Retirement in the Public Sector. 3 ... Phased retirement in the public sector ... additional tax on early pension payments should be made for benefits paid ...

13. Macroeconomic Implications of Early Retirement in the Public Sector ...
In Brazil generous public sector pensions have induced civil servants to retire ... Keywords: Early Retirement Pension Reform Capital Accumulation ...

14. The public sector pension burden | This is Money
PENSION PLANNING. Top retirement topics. at your fingertips ... with two classes of citizen - one with a generous, early pension to look forward ...

15. private sector, public sector, workers - MoneyWeek
... pay for Sir Humphrey's pension? - at Moneyweek.co.uk - the ... and relatively early retirement on a guaranteed final salary pension as a kind of compensation. ...

16. Pensions: Widening Gap Between Public and Private
... the public and private sector in terms of retirement trends and pension plans. ... public sector has driven the trend towards early retirement since the ...

17. BOI - Retirement on a Pension in the Public Sector in Israel since the ...
BOI - Retirement from the Public Sector in Israel since the 1980s ... found that the incidence of early retirement was common mainly among the group ...

18. Pension Taxes versus Early Retirement Rights
private pensions through various forms of public support. To induce private-sector pension ... private-sector pension provision for early retirement, the issue ...

19. Leaving
Transferring Pension Funds. Early Retirement & Redundancy. Leaving before pension age ... Public Sector Transfer Club find out about your options for ...

20. Scrutiny Unit Briefing Note Public Sector Pensions
Standard 17 (Retirement Benefits), and how to interpret the resulting pension liability ... due to pay early retirements (until the pension scheme takes over ...

21. The Budget Impact of Reduced Early Retirement Incentives on the German ...
The Budget Impact of Reduced Early Retirement Incentives. on the German Public Pension System ... of early retirement, the same as in the private sector and ...

22. Anticipated high rate of early retirement will affect insurance funds
... market through early retirement, mainly in the public and broader public sector, ... now than the amount of their pension entitlement when they retire. ...

23. ESRC Society Today - RES-000-23-1149 â" Pension Wealth, Early ...
RES-000-23-1149 - Pension Wealth, Early Retirement and Job Mobility ... plans, public sector pension plans, retirement savings, state pension age ...

24. Crackdown on 'retirement abuse'
... to cut a £1bn-a-year pension bill for public sector workers who have retired due ... Rates of early retirement vary from sector to sector and between different ...

25. What is a public sector pension worth
Pension plans Public sector Retirement. JEL classification: H55 J32 J63 ... funding this work as part of the project on Pension wealth, early retirement and job ...

26. Public sector pension liabilities soar by £50bn - Telegraph
... burden that the retirement costs of state workers will have on taxpayers for ... Agency last week said the accounts would not be ready until early November. ...

27. Taxpayers face public sector pension black hole of £1 trillion, CBI ...
... black hole in pension funds for public sector workers, business leaders ... the CBI, said: "Public sector workers should have a good retirement, but we need ...

28. Economic Survey of Austria 2005: Fiscal policy issues
While the newly introduced early retirement scheme for "heavy workers" aims at ... Do pension systems for public sector workers require further reform? ...

29. Occupational pension provision in the public sector
A brief description of UK public sector pension schemes. 4 ... 4. Ill-health early retirement is more common in the public sector. ...

30. New pension law affects public-sector, non-profit workers - Aug. 22, 2006
Retirement. Technology. Luxury. Small Business. Fortune. Video. My Portfolio ... pay a 10 percent early withdrawal penalty on pension payments if they retired ...

31. SSRN-Pension Taxes versus Early Retirement Rights by J. Orszag, Dennis ...
SSRN-Pension Taxes versus Early Retirement Rights by J. Orszag, Dennis Snower ... To induce private-sector pension providers to internalize this externality, we ...

32. USATODAY.com - Public workers' pensions swelling
The rising payments reflect the early retirement of baby boomers, who started to ... respond to pension problems in the private sector by attacking government ...

33. Vip News : Government relents on retirement age, averts strike
The British government agreed not to go ahead with its plans to raise the retirement age of its civil servants and workers in the public sector, paving way for a ...

34. Ongoing changes of pensions in the European Union
of the private sector, raising the early retirement age, lengthening the period ... employed in the public sector were entitled to a pension after only 12 ...

35. Council staff to work extra 5 years for pension - Scotsman.com Business
Teachers and nurses will still be able to apply for early retirement on a full pension at 60. ... Public sector pension 'hole' soars to £915bn. Lifeline for ...

36. History of the GMPF
One very early case of pension provision in the public service arose because of ... In the public sector prior consideration must be given to the Civil Servants ...

37. West Virginia teachers vote on pensions versus 401(k)s - May. 20, 2008
... to vote on whether to remain in 401(k)-style retirement plans or return to state pensions. But you might not have ... in the public sector, though, where ...



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