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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 : More great ideas, more great context - huge value for money

This fourth book in the main series follows through the logical progression from 'taking care of your business' to retiring and doing what you want to do full time. Some people in the UK may find Robert Kiyosaki's American enthusiasm and repetitive writing style a bit hard to take - just stick with it and realise that making money is something that Americans do better then us! Others may say that you 'can't do those things here' - may I suggest to them that they need new advisors as I have not had any problems in implementing these ideas. I would read 'Rich Dad Poor Dad' and 'Cashflow Quadrant' before this book - could be a bit much at once otherwise.

The big gain from this, as with all the books, is the sense of challenge and attitude that comes across. Combined with the specific ideas for action and areas to think about Robert is able to lead you towards acheiving your financial goals, whatever they are.

Retiring before 45 is a dream that most us share, but few think is possible. I would rate these four books as being of equal value in helping me to be on track to reach this goal (despite having started at 31 years old), as my MBA. The MBA tells me how, Rich Dad helps me think of why, when and what.

The true value of these books is really demonstrated by their life expectancy on my book shelf at home. I have leant a number of copies of Rich Dad Poor Dad to friends and family, none of which have ever been returned! Since then my sister is now starting her own company and writing a book and friends have made some very profitable moves into property investment. None of these people, including myself, talked about such things before reading Robert's books.

Buy this book. Read it. then hide it and re-read it every few months - if you don't you will probably find that it disappears and those close to you start to have more money in their pockets!

A real delight.



Title : Standard Poor's 401 (K Planning Guide)
Author : Alan J. Miller
Rating : 5 Stars out of 5.
Summary : A nice overview of how to handle your 401k plan

This book does a great job of handling the task of explaining 401k investment options, asset allocations, and 401k distributions. The sample asset allocations for different styles of investors are great examples. Unfortunately the book does not cover Roth IRAs as the book was published before Roths came out. Otherwise a great book.



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 : The Inheritance of Loss
Author : Kiran Desai
Rating : 5 Stars out of 5.
Summary : "Mythic battles of past and present, justice and injustice."

Writing with wit and perception, Kiran Desai creates an elegant and thoughtful study of families, the losses each member must confront alone, and the lies each tells to make memories of the past more palatable. Sai Mistry is a young girl whose education at an Indian convent school comes to an end in the mid-1980s, when she is orphaned and sent to live with her grandfather, a judge who does not want her and who offers no solace. Living in a large, decaying house, her grandfather considers himself more British than Indian, far superior to hard-working but poverty-stricken people like his cook, Nandu, whose hopes for a better life for his son are the driving force in his life.

The story of Sai, living in Kalimpong, near India's northeast border with Nepal, alternates with that of Biju, Nandu's son, an illegal immigrant trying to find work and a better life in America. Biju, working in a series of deadend jobs, epitomizes the plight of the illegal immigrant who has no future in his own country and who endures deplorable conditions and semi-servitude working illegally in the US. As Desai explores the aspirations of Sai and Biju, the hopes and expectations of their families, and their disconnections with their roots, she also creates vivid pictures of the friends and relatives who surround them, creating a vibrant picture of a broad cross-section of society and revealing the social and political history of India.

Though Sai's romance, at sixteen, with Gyan, her tutor, provides her with an emotional escape from Kalimpong, it soon becomes complicated by Gyan's involvement with the Gorkha National Liberation Federation, a Nepalese independence movement which quickly becomes bloody. Gyan's commitment to the insurgency offers an ironic contrast with the commitment of his family to the colonial British army in earlier times, just as the judge's hatreds, learned in England, are ironically contrasted with his British affectations in later life.

A careful observer of behavior, with a fine eye for revealing details, Desai brings her narrative and characters to life, illustrating her themes without making moral judgments about her characters-creating neither saints nor villains, just ordinary people leading the best lives they can, using whatever resources are available. Her characters, like people from all cultures, make sacrifices for their children, behave cruelly toward people they love, reject traditional ways of life and old values, rediscover what is important to them, suffer at the hands of faceless government officials, and learn, and grow, and make decisions, sometimes ill-considered, about their lives. Dealing with all levels of society and many different cultures, Desai shows life's humor and brutality, its whimsy and harshness, and its delicate emotions and passionate commitments in a novel that is both beautiful and wise. Mary Whipple



Title : Get a Life: You Don't Need a Million to Retire Well (Get a Life: You Don't Need a Million to Retire Well)
Author : Ralph E. Warner
Rating : 5 Stars out of 5.
Summary : This is the best retirement planning book I've ever read!

This is the first retirement planning book I've ever read that realistically addresses how much money you really need to save for the lifestyle you want. I now realize that I don't need to save millions, that my current saving plan is perfectly adequate for the lifestyle I want. I can relax, enjoy my life and family, and work on retaining my health.



1. Teachers' Pension and Annuity Fund Member Handbook
... Benefits when you meet the eligibility requirements of the new retirement system. ... to receive retirement benefits from the out-of-state public pension fund. ...

2. ORS State Employees DB - Pension Eligibility
ORS State Employees-Defined Benefits - Pension Eligibility ... You forfeit your eligibility for state-sponsored life insurance when you defer your retirement. ...

3. Maryland State Retirement and Pension System
Maryland State Retirement and Pension System website ... the State Police Retirement System or Law Enforcement Officers' Pension System, ... Eligibility Requirements ...

4. New York State Teachers' Retirement System
... the pension factor is reduced by 5% for each year your New York State service ... Disability Retirement Eligibility. Tiers 1 and 2 ...

5. Retirement Guidelines
... of Michigan's State Police Retirement System, you are ... determine your eligibility for a pension, calculate the ... reaching pension eligibility, we'll ...

6. The Alaska Division of Retirement and Benefits
State of Alaska > Departments > Administration > Retirement and Benefits > PERS > ... You should know the requirement eligibility for your tier so you can request an ...

7. State Pensions and Benefits - Financing Retirement (UK)
All state pensions and benefits should be applied for before, or as soon as state retirement age is due to ensure prompt ... Eligibility for State Pension ...

8. Retirement Q & A
... board) determines whether you meet eligibility requirements for a state pension. ... A) Yes, providing you receive a pension from a state retirement system. ...

9. State of Delaware - Delaware State Employee's Pension Plan Booklet
DISABILITY PENSION. Eligibility ... to determine both your eligibility for retirement benefits and the amount of these benefits. ...

10. RRQ - Eligibility
RRQ: Retiring. If the time has come for you to stop working, you may be entitled to a retirement pension under the Québec Pension Plan and, where applicable, to ...

11. STATE OF ALASKA
Claimed Service Used for Vesting or Retirement Eligibility . Your PERS retirement includes both pension and access to health. benefits. ...

12. Retirement Choice Eligibility
... income taxes andin most statesstate income taxes are withheld. ... A 3% credit to the pension plan, depending on the retirement savings choice that you ...

13. Eligibility for GBP Insurance at Retirement :: Employees Retirement ...
... El Paso Fireman & Policeman's Pension Fund or the El Paso ... retirement was with an agency or institution participating in the State's insurance program. ...

14. DiNapoli Strengthens Regulations for Retirement System
Provides Increased Guidance for Municipalities to Determine Pension Eligibility ... regulations for the New York State and Local Retirement System that more clearly ...

15. Pension eligibility
... need to be in work for 39 years in order to qualify for a full state pension. ... pension contributions for ten years they will achieve a £96,600 retirement fund, ...

16. RETIREMENT
... retirement plans, subject to eligibility requirements. ... STATE EMPLOYEES' RETIREMENT ... plan which provides a pension based upon the average of ...

17. Retirement GUIDE
... estimate of your future pension benefit, go to http://retirement.state.wy.us and ... Eligibility and. Participation. The following pages provide an ...

18. Montclair State University - Human Resources - Employee Handbook ...
Health Benefits / Pension / Retirement. Health Benefits ... State workers eligibility to receive certain health care and retirement benefits. ...

19. Retirement UK | state pensions | retirement benefits
The basic state pension will be paid in full if an individual has been credited ... a statement of retirement benefit, up to 4 months prior to state pension age. ...

20. GOVERNMENT CODE CHAPTER 864. BENEFITS Sec. 864.001. AA ELIGIBILITY FOR ...
ELIGIBILITY FOR SERVICE RETIREMENT ANNUITY. A (a) AA. The. state. board. by. rule. shall ... allows the pension system, assuming maximum state contributions are ...

21. E M P L O Y E E H A N D B O O K
This handbook, provided by the State Employees' Retirement ... It explains SERS eligibility requirements, pension ... meet service eligibility require- ments ...

22. Regular Retirement
... Eligibility ... state service does not automatically constitute application for retirement. ... for determining pension payments and retirement is the ...

23. Public Employee Pension Plans (United States) - Wikipedia, the free ...
... into a retirement system while they are on active duty; eligibility for non ... Directory of state pension executives. Public employee retirement systems ...

24. State and private retirement pensions - pension credits - financial ...
... the pension crisis; State retirement entitlement; pension credits and ... All about eligibility for the state retirement pension and which benefits can be ...

25. GOVERNMENT CODE CHAPTER 864. BENEFITS Sec. A 864.001. ELIGIBILITY FOR ...
RETIREMENT. ANNUITY. AA (a) The state board by rule shall determine the period of. qualified ... allows the pension system, assuming maximum state contributions are ...

26. STATE OF NEW YORK SEPARATION FROM STATE SERVICE: INFORMATION FOR EXEMPT ...
Retirement Eligibility.21. VII. Pension Contributions.22. VIII. Other Issues.23 ... your health insurance coverage until retirement eligibility is reached while ...

27. Texas Pension Review Board | 77th Texas Legislature
The home page for the Texas State Pension Review Board (PRB). The PRB is an independent state agency created to oversee and review state and local retirement systems ...

28. Retirement Planning - Pensions and Retirement Planning in Malta from ...
... retirement age who meets the necessary eligibility conditions. ... Use the Retirement Planner to see how much State Pension you can expect to ...

29. Eligibility for GBP Insurance as a Disabled TRS or ORP Retiree ...
... TRS, or the ORP, or any entity that participates in the state retirement program. ... Employees' Pension Fund as part of your 10 years, if you are eligible under ...

30. Lawriter - OAC - Chapter 5505-3 Retirement
... reemployment occurs prior to the pension eligibility date, or before the end of ... (A) A member of the state highway patrol retirement system who retires on or ...

31. Eligibility
Eligible to participate in any of the State retirement systems. ... Individuals who began receiving pension benefits from one of the State's ...

32. DiNapoli Creates Retirement Compliance Unit
... the Retirement System can do things to better protect the state pension fund from abuse. ... regulations on membership eligibility to the Retirement System. ...

33. City of Cincinnati - Retirement: Retirement Eligibility
Retirement Eligibility. Pension Benefits. Employee Loan Program. Deferred Compensation ... and Fire Pension Plan, Ohio State Teacher's Retirement System, Ohio School ...

34. Pension Bill Would Benefit State Police | Article
16-JUN-06 - A year after the General Assembly tightened the pension-eligibility rules for most other state employees, a top-ranked state senator is... | Free With Signup

35. NYPD - Pension FAQs Page
... of your annuity portion maintains your eligibility for medical benefits. ... State Retirement System as an active member, while receiving a pension benefit ...

36. University Human Resources
Eligibility ... participates in the State Retirement and Pension System and membership is ... mind that the State Retirement and Pension System's benefits are ...

37. Retirement
Eligibility and Vesting. How Your Pension Grows. How Benefits are Paid ... benefits are taxable under federal income tax laws and some state tax laws. ...

38. Retirement Plan Eligibility for Teachers and Professional Staff
OFFICE OF THE STATE COMPTROLLER. RETIREMENT & BENEFIT SERVICES DIVISION MEMORANDUM ... teaching schedule without engaging the pension suspension provisions of SERS. ...

39. Eligibility for Membership
pension from any other state system (PERA, Judicial, ... Pension Eligibility. Retirement Process. January 2007. January 2007. January 2007. January 2007 ...

40. PENSIONS - POLICE OFFICER - WASHINGTON LAW ENFORCEMENT OFFICERS' AND ...
... to have his eligibility for retirement benefits under that chapter ... state wide city employees' retirement system (chapter 41.44 RCW); the pension ...



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