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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 : Real Life Investing Guide: How to Buy Whatever You Want, Save for Retirement and Take the Vacation of Your Dreams While You're Still Young
Author : Kenan Pollack
Rating : 5 Stars out of 5.
Summary : An excellent piece of information.

This is an excellent book. It makes so easy to understand - all those complicated stock terms, author makes use of beautiful examples from time to time. It is a must have for every person who wants to invest money in stocks etc. (may be, except the ones, whose primary carrier is stocks or stock trading). I myself bought and sold stock over the last few years but never understood the terminology completely. It is nice to have it in my library - Thanks to the authors.

Title : The New Golden Door to Retirement Living in Costa Rica
Author : Christopher Howard
Rating : 1 Stars out of 5.
Summary : Great book--if you lack common sense

This book is great if are planning on traveling to Costa Rica as a tourist for a short amount of time; however, it really does not emcompass the complexity of moving or investing in a foreign country. Don't be fooled--this book lacks substinative information on starting a business in Costa Rica, other than the overarching message that "Not everything in the States will work in Costa Rica." Oh, really? My other favorite section was "How to Find a Nice Girl." After "interviewing hundreds of quality Costa Rican women" the author managed to whittle through the unrespectable, poor, uneducated women who were only after him for his money and find a nice girl. I guess the real shame is that he wasn't able to complete this process through a mail-order catalog.

Title : Brilliant Deductions
Author : Wade B. Cook
Rating : 2 Stars out of 5.
Summary : Misnamed Title?!

This title is misnamed. There are no suggestions in here on where to deduct your union dues. This is more of Wade's asset protection strategies that he teaches in his seminars. Why is a cabdriver talking about taxes? Some professionals spend their entire careers working with, studying, and researching taxes. A cabdriver thinks Section 179 on asset expensing is a secret. All the tax professionals know about this advantage. A cabdriver wants to sell you on his seminars, tapes, Nevada corporations, internet service, etc. All the Wade Cook information is the same repackaged in a new format. It makes interesting reading, but follow your local professional's advice.

Title : Funny, I Don't Feel Old!: How to Flourish After 50
Author : Carter Henderson
Rating : 5 Stars out of 5.
Summary : Uplifting and fun - made me laugh and feel good

this is truly a great gift for anybody over the age of 50. makes you feel young and capable of really enjoying the rest of your life. I loved all the funny quotes and the real life stories

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 : Rich Dad's Prophecy
Author : Sharon L. Lechter
Rating : 4 Stars out of 5.
Summary : Building your ship or your castle? You choose. But do build

This is a wake up call to anyone still thinking that learning the investment game is optional. It is NOT!

This is a very useful addition to the Rich Dad's series mainly because it helps screw in concepts from the first book Rich Dad Poor Dad, the second one The Cash Flow Quadrant and the third one Guide to Investing.

I see each one as a lecture. And there is a constant build up helping to shape and focus the mind of newbies in the world of professional investment.

Title : You'Ve Earned It, Don't Lose It: Mistakes You Can't Afford to Make When You Retire
Author : Suze Orman
Rating : 1 Stars out of 5.
Summary : The math is wrong

The time value of money analysis in this book does not take into account that money has time value and thus the results of the studies Orman presents are biased in the wrong direction. Also the rate of inflation of 5% is too high based on current and past values. This also biases the results. It is funny to see the results of her long term care insurance policy analysis. According to Orman, the insured pays in $1,255 each year for 30 years and alternately if they had not taked the policy get no credit for the compound growth rate this money would earn had not they taken the policy. It makes a huge different that was not considered Also there is a chart that shows a comparison of 5% simple and compound interest on an inflation rider. Certainly, inflation is not a simple interest growth rate. The data of Orman's table make no sense whatsoever and certainly have no bearing on the long term care policy decision.

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