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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 : Modern Dutch Studies: A Volume of Essays in Honour of the Retirement of Peter King
Author :
Rating : 4 Stars out of 5.
Summary : An interesting collection of essays on Modern Dutch Studies

This book was published in honour of Professor Peter King who retired from the University of Hull. This book is a collection 20 essays falling into four general areas of Modern Dutch Studies: Language and Translation (5), Literature (8), Social Sciences (5) and Visual Arts(2). Each essay is written by a well-known expert in the field from various institutions such as University College London, University of Hull and the University of Leiden. There is a surprisingly wide range of topics, such as the use of CALL, Old High German in Ghent, Proper Nouns, Marxism in the Dutch Trade Union Movement, Political Culture in Belgium and Art Criticism.

This book is a very good read for those who are reading Dutch Studies or have a general interest in the topics. Overall I have found the book easy to read and it has provided me with lots of useful information too.

Title : Retire Rich with a Property Pension
Author : Nicholas Braun
Rating : 5 Stars out of 5.
Summary : A fascinating read

If you're into property investment this book is absolutely critical reading. From April 2006 residential property will be an approved pension investment. This book does a good job of explaining why and how you should take advantage of this fantastic opportunity and save literally tens of thousands of pounds in tax.

There's also lots of info on the current commercial property sipps and all the other important pension changes that come into effect in 2006.

The author's has a good writing style and uses loads of examples throughout.

If you're into property investment or using property as an alternative to a traditional pension you'll find it a worthwhile read.

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 : Life Begins at 50: A Handbook for Creative Retirement Planning
Author : Leonard J. Hansen
Rating : 5 Stars out of 5.
Summary : Well written and comprehensive - you'll rely on it!

This concisely written book covers every aspect of aging and retirement. It is well indexed to find just the topic you need, when you need it. I especially appreciate the health and fitness information. Having just turned 50 myself, this book was the most valuable gift I received! I expect to refer to this book for sound advice many times in the course of my upcoming years.

Title : Safeguard Your Hard-Earned Savings
Author : Ken Stern
Rating : 1 Stars out of 5.
Summary : Unfortunately, not terribly impressed

Lack of concise important information. Tends to be rambling, on and on, saying the same thing over and over. Almost appears to be written by someone simply interested in making money on his book, rather than the sincere desire to actually educate the public. Would pass on this one.

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.

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