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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 : How to Retire Rich
Author : James O'Shaughnessey
Rating : 2 Stars out of 5.
Summary : Started good, but then...

I don't know how to take this book. On the positive side, it offers seemingly reasonable investment strategies for inexperienced investors. At worst, the strategies are thought provoking. At best, they may be providing strategies that will make alot of people retire rich. On the negative side, I am skeptical of the author's intentions of writing this book. He sells mutual funds that implement the strategies (which is not necessarily a bad thing), but the funds have yearly fees of 1.5% each! That is very high for a passive fund. Why so high? All of a sudden, I want to stop reading. Finally, the book didn't teach me 250+ pages of info. It may be good for the new investor, but for one like me that has read a few books (but not done alot yet), it didn't offer alot of new insight. (I just can't get that 1.5% out of my head...)



Title : The Bond Book
Author : Annette Thau
Rating : 5 Stars out of 5.
Summary : I read this book cover to cover--AND IT ROCKS!

As an individual investor, I hadn't had a significant amount of experience with the bond market. Thau's book was a pleasure to read, and I believe it touches on every topic one needs to understand to become an educated bond investor. In short, it rocked me like a hurricane. I highly recommend it.



Title : Investing from Scratch: A Handbook for the Young Investor
Author : James Lowell
Rating : 4 Stars out of 5.
Summary : Intelligent advice for thoughtful investors.

Lowell's writing voice is engaging, intelligent, and refreshingly free of finance jargon. This is a primer for people who have more on their minds than their mutual fund returns. One of the very few books of this genre I could actually relate to, as someone with a healthy skepticism towards the American dream of riches and retirement. Written uncondescendingly and with attention to the often ignored but important issues of investors' social responsibilities, and if it is in fact possible to do well and do good at the same time. One of the few books of this genre that doesn't alienate me.



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 : "This Books is my Right Hand"

This book is my Right Hand, as manager of the Residents Association of Costa Rica (ARCR), I have found that newcomers sometimes seem to know more about Costa Rica than people living here just because they read this excellent book.



Title : You're Not Old Until You're Ninety: Best to Be Prepared, However
Author : Rebecca H Latimer
Rating : 4 Stars out of 5.
Summary : This book is for all ages

I was pleasantly surprised to get so much benefit from this book even though I am definitely not old! (49!) The book helped me to realize that old age is definitely "mental" and the book gives good, reasonable advice for being happy and healthy at any age. This would be a great book for anyone who is learning to deal with aging parents or friends.



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.



1. [ Age 62 ] The Retired City Police Officer Collected Guns... | Article
25-JUN-07 - William L. Burch, a retired Baltimore police officer who raised his three children as a single father, died of heart failure Tuesday at... | Free With Signup

2. Compulsory Retirement Age | Home Office - Police
On 1 October 2006 new compulsory retirement ages (CRAs) coem into effect for police officers. ... at which an officer can retire with a pension under either ...

3. Police retirement age will rise to 65 to boost numbers - Telegraph
THE police force is to raise its retirement age to 65 and recruit older officers in an attempt to boost numbers. ... free to retire on full pension after they ...

4. Article: "News: Police Retirement Age Moves To 65 in Bid To Cut..."
06/2004 "News: Police Retirement Age Moves To 65 in Bid To Cut Pension Costs." Credit Card Req'd - Free Trial. Academic Journal Articles, Magazine Articles, Newspaper...

5. How to Become a Police Officer
... a police officer including information about the application process, qualifications, age requirements, height ... in mind that the normal retirement age ...

6. Retirement, dismissal and redundancy | Age Concern England
"I don't want to retire" At the moment there is no national retirement age. ... workers, such as police officers, office holders, and partners in firms will ...

7. Police service recruitment - Could You? - Police officers - Am I eligible?
The minimum age to apply is 18, and there is no ... age limit, though you should bear in mind that the normal retirement age for police constables ...

8. Retirement policies for public safety officials : hearing before the ...
Related Subjects: [Police Retirement United States. Fire fighters Retirement United States. ... Retirement, Mandatory -- United States. | Age discrimination in ...

9. Firefighters Oppose Increasing Retirement Age
Police officers and firefighters are balking at legislation that would increase the retirement age for new hires to 50 years old, from the current age threshold of ...

10. Wikipedia: Retirement
... article on retirement that describes what it is, the retirement age, support and ... view 65 as normal retirement age, many retire before then, sometimes with ...

11. Police News - Lancashire First Into Digital Age
Lancashire Constabulary is to become the first force in the country to introduce ... Police Retirement. Preparing For Police Retirement. Financial Considerations ...

12. Retirement Guidelines
You qualify for a full retirement at any age with 25 years of service. ... Police Retirement System members who are eligible to retire, but ...

13. Age
Thames Valley Police | News and information ... A national default retirement age of 65 has been introduced. ... force someone to retire before then - unless ...

14. Preparing for Retirement - Retiring from the Police Force
Learn more about police retirement and retiring from the police force, and what you need to do. Find out about police pensions and organisations for retired officers.

15. Application for Retirement Allowance State Police Retirement System
date, you will be retired by the SPRS Board of. Trustees on a Service Retirement allowance ... retire because of age and you have 20 or more years ...

16. NYS Police Retirement Law
... age of 60 years without having to switch from the 20-year retirement plan option ... Most police officers opt to retire instead of changing retirement plans when ...

17. N.H. wants to raise officer retirement age - Law Enforcement News
"I don't think we have any that are, just, you could retire at age 45," she said. ... makes sense to increase the retirement age for firefighters and police officers. ...

18. D.C. Council panel approves reducing police retirement age - Examiner.com
D.C. Council panel approves reducing police retirement age, WASHINGTON ... voted Tuesday to allow D.C. police to retire with a pension after 20 years of ...

19. Acas - Age discrimination
The default retirement age is 65, making compulsory retirement below 65 unlawful ... workers, including office holders, police, barristers and partners in a ...

20. Police and Firemen's Retirement System
age 65, you are automatically retired on the first of. the month following your 65th birthday. ... BEFORE YOU RETIRE. You should inquire about retirement at least six ...

21. Wise Up Journal - " Gardai Retirement Age Threatened by the European ...
... row over Garda retirement age" senior officers of our police force are trying to ... Cortefiel when they forced him to retire at the age of 65, even though he was ...

22. Police provisions
Retirement Age. Effect of Divorce. Assessment of Pension ... transferred to add to current service as a member of the police pension scheme. Retirement Age: ...

23. USCA1 Opinion
... to the plaintiffs the mandatory state police retirement age found in § 6(3)(a) ... retire law enforcement officials who have attained the age of retirement in ...

24. SERS: Retirement Benefits Available to Pennsylvania State Police ...
State Police Officers who retire after July 1, 1995 are eligible to continue the ... Be a State Police Officer retiring at normal retirement age (at least age 50); or ...

25. Official Website of Kolkata Police : Servering Kolkata
West Bengal Services (Death cum Retirement benefits) Rules 1971. Pension Admissible ... of 65 (sixty five) years of age, had he been alive, whichever is earlier. ...

26. SME Web - news, tips and information for small businesses in the UK ...
Or maybe you own a small business and want to change your retirement age. ... all workers, including office holders, police, barristers and partners in a business. ...

27. Age 2006 - Are You Ready? - Frequently Asked Questions
... contract workers, office holders, the police and members of trade organisations. ... The default retirement age will be set at 65 for men and women. ...

28. Twenty Key Facts about Age Legislation and Retirement - News - Age Positive
... contract workers, office holders, the police and members of trade organisations. ... The default retirement age is set at 65 for men and women. ...

29. Age - Equality Scheme 2007 - 2010
The force is working to the default retirement age for police staff ... due to retire in the following 12 month period is contacted regarding their intentions ...

30. mypolice.ca retirement
... police statistics photo gallery research and publications retirement terrorism your opinion ... Retired or soon to retire, what does it mean to you? ...

31. Citizen's Portland Police Retirement Committee
Portland Police Have Served the Community for More Than 150 Years. ... Portland Police Museum. To view other photos such as the. one you see here, please visit the: ...

32. Welcome
Richmond Retirement System. When can I retire? ... Firefighters and Police Officers are eligible to retire at age 50 with five ...

33. _ _Chapter 18 PENSIONS* *
... pay to a retiree, retired on account of age or service, retirement benefits ... shall not apply to covered police employees who retire on. disability. ...

34. Age Homepage
'Stay' ordered on mandatory retirement age hearings ... Thames Valley Police: if they are good enough, they are ... Judge forced to retire wins age bias case ...

35. West Virginia Consolidated Public Retirement Board
The West Virginia State Police Retirement System, commonly referred to as Plan B, ... years of age or older and who is retired under normal retirement criteria will ...



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