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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 : The 401(k) Millionaire: How I Started with Nothing and Made a Million and You Can, Too
Author : Knute Iwaszko
Rating : 4 Stars out of 5.
Summary : Changing my ways in 1999!

I never saved much because I didn't believe my small savings could make any difference and I never knew what to do with my money. Read this book to learn why saving is key and time (and compound interest!) are your best friends. The book also suggests money allocation strategies as you get nearer to your goals.



Title : Invest Like Warren Buffett, Live Like Jimmy Buffett: a Money Manual
Author : Luki Vail
Rating : 2 Stars out of 5.
Summary : Disappointment for fans of either Buffett.

If you are looking for some insights into Warren Buffett's investing success, look elsewhere. If you are looking for insights into Jimmy Buffett's lifestyle success, again, look elsewhere. This book takes some very pedestrian financial advice and wraps it up in a catchy title. I strongly suggest you avoid this book and search for more serious financial planning assistance.



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 : One World, Ready or Not
Author : Wil Greider
Rating : 3 Stars out of 5.
Summary : Take two aspirins, don't call me in the morning


A man goes to his dermatologist to have an ugly mole removed from his neck. He returns one week later to have his stitch removed.

"The good news is, you won't have any scar," the doctor says. "The bad news is, you'll be dead in six months."

Though many people criticize Mr. Greider's conclusions, few -- even eminent scholars -- can say why. They admit most of his facts are correct (damning with faint praise) without saying which facts are wrong. They provide simplistic parables about the economics of hot dogs and buns without benefit either of logic or evidence. In short, most of Mr Greider's "critics" seem more culpable than Greider of the crimes against intellectual integrity of which they accuse him.

Let's simply stipulate that Mr. Greider is like Ralph Nader, a Cassandra. Let's stipulate further that he is histrionic even paranoic. Let's simply rest with "the facts".

What we have left is the picture of a global economy in ICU, surrounded (a) by technicians who are not monitoring high performance, but failing vital signs; (b) by FedEx boxes for shipping body parts.

Had the world not already experienced an economic death but 70 years ago, we might dismiss Greider's prognosis.

So, his facts are worrisome; but, not as troubling as his prescriptions. He doesn't think it inevitable that the patient has to die because the "government" can somehow "keep it going" with a different IV solution, tracts to bolster the spirits of the patient's next of kin, and specific instructions to other governmental and cultural caretakers.

He doesn't satisfy me that he understands that we are not simply in another industrial revolution, but a post-industrial evolution. Yes, the whole world is changing, as it has several time before in the last 100,000 years -- but what comes from that process will be far better -- and simpler -- than what is now becoming ruins.

So, Mr. Greider gets full credit for research, and no credit for insight. Therefore, a 5.

--John Grassi



Title : Financial Independence the Smart Way: Investing for Growth, Income and Retirement
Author : Stephen L Littauer
Rating : 5 Stars out of 5.
Summary : Easy to understand and easy to use.

Financial Independence The Smart Way shows you how to become your own investment manager. If you're looking for advice and an action plan to help you secure your financial freedom, look no further. I found this investment book to be the best I've seen. The author takes a disciplined, systematic approach to investing, guiding you from your personal objectives to suitable investments for your portfolio. It has helped me to sort through the maze of current offerings and develop a well-designed plan for investing. The book shows how to "invest the smart way" and what it takes to be a successful investor. The author explains why its risky to be out of the market. I liked the strategies he offered to become my own investment manager, to plan for a financially secure retirement, to invest online and to protect my capital.



Title : Adventure of Retirement: It'S
Author : A. Guild Fetridge
Rating : 5 Stars out of 5.
Summary : Chock full of life transforming information - priceless!

Please read my one line summary.



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
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.



1. Microsoft Word - Ill Health Capability Procedure Police Staff LATEST
Ill Health Capability Procedure (police staff) West Mercia Constabulary ... with the individual if he/she considers that ill health retirement may be ...

2. Ill-Health Benefits | Home Office
Ill-health retirement is possible at any age. ... Police Pensions and Retirement Policy. 2006 Police Pension Scheme (NPPS) Ill-Health Benefits ...

3. Disability in the Police Service
costs of this entire procedure are borne by the police authority and not. the ... officer of providing ill-health early retirement benefits across the Police ...

4. The Police Pensions Team | Home Office
... police pension scheme and ill-health retirement and injury award procedures for police officers. ... and ill-health retirement administrators. ...

5. PPS Ill-Health Benefits
understand, retain and explain facts and procedures. ... granted ill-health retirement. The police force will consider whether there are alternative ...

6. POLICY DOCUMENT TITLE: MANAGEMENT OF LONG TERM ILL HEALTH POLICY
For Police Staff the deciding organisation for ill health retirement is ultimately Capita and ... Health Unit Procedure (reference to the Sickness Absence ...

7. retirement, retirement resources
retirement ... They have health insurance abroad, because it's cheaper ... Encyclopedia of Public Health: Retirement ... retirement online resources. Site map ...

8. West Mercia Constabulary
Ill Health Capability. Procedure. Diversity Impact Assessment ... Redeployment of Police Officers for Medical Reasons. Procedure. Reporting, Recording & Disposal ...

9. Retirement Abroad - Seeing the Sunsets
Arrange for adequate private health care coverage before you leave Canada. ... Make sure you get a copy of the police report or the report number. ...

10. Dismissal
... retirement age, as long as your employers have followed certain procedures. ... Some employees who are ill may be protected by the Disability Discrimination Act. ...

11. Home Office Circular 59 / 2004
... excluded on medical grounds or the likelihood of early ill-health retirement. ... excluded from all ill-health benefits under the Police Pension Scheme whether ...

12. DEVON & CORNWALL CONSTABULARY POLICY & PROCEDURES - D159
Retain skills (that would otherwise be lost in ill-health retirement) that ... HOC 21/2003 'Management Of Ill-health Police Officers. ...

13. Home Office Circular 63 / 2004
... to the police service are to be assessed for access to the ill-health benefits ... the risk of ill-health retirement may have risen to a higher level at ...

14. Cases - Workplace Law Network
The membership site for UK employers and managers, specialising in HR, employment law, health and safety and premises management. All the latest news, advice and ...

15. BBC News | UK | 'An abuse of the disciplinary process'
... which allows police officers facing disciplinary procedures to retire. ... between early retirement on ill health grounds and retirement after completion ...

16. Derbyshire Constabulary Guidance on Police Staff Disciplinary Procedure ...
Procedure ... Where the incapacity is due to ill health then a medical review can be ... is deemed permanently unfit, then ill-health retirement may be ...

17. Crackdown on 'retirement abuse'
Crackdown on 'retirement abuse' Four out of 10 police retirements are on health grounds ... The restriction of ill-health retirement to those "incapable" of ...

18. The Police Pension Scheme 1987 Members' Guide
granted ill-health retirement. ... to review the payment of ill-health awards at ... There is a set order of procedure and before any decision can be ...

19. Informal ill health guidance issued
The CLG has issued informal guidance (on 4 March 2008) on the ill health retirement procedures that are to operate in England and Wales from April 2008.

20. Managing Alzheimer's Disease - US News and World Report
First, you will receive an "assessment," a review of your mental health. ... Have emergency numbers (police, fire, poison control, and a neighbor's phone ...

21. Industrial and Organisational Health - Home
disability income and ill health retirement. litigation. industrial relations problems ... UK Limited, Northumbria Police, Rohm & Haas, Unipres (UK) ...

22. Manchester Mental Health and Social Care Trust | Policies and Guidelines
Procedure for Handling Concerns about Doctors and Dentists Conduct and Capability ... 1-18 Police Attendance on Wards Policy and Guidance [Acrobat 79.1KB] ...

23. Attendance Management Policy
... aspects of the procedure differ (eg Ill Health Retirement and differences in ... and police staff who are unable, because of ill health or disablement ...

24. SIM 07/2003/16 - Health and Safety in the Police Service
and procedures: - maintenance of good health in police staff; ... cases of ill-health retirement are managed more effectively from the outset. This should ...

25. H1 - Separation of Employment
ATTACHMENT ONE: Checklist of Procedures Following the Death of an ... Queensland Police Service ... Amended to extract the Ill Health Retirement section ...

26. Home Office Circular 59 / 2004
... on medical grounds or the likelihood of early ill-health. retirement. ... eligibility and access to the ill-health benefits of the Police Pension Scheme. ...

27. The New Police Pension Scheme 2006
granted ill-health retirement. ... to review the payment of ill-health. awards at intervals. ... There is a set order of procedure and before any decision ...

28. Emergency Medical Technician (EMT) and Paramedics
Featured Books Health Care Jobs! Government Jobs Post Office Jobs. Email Phone Online ... Many firefighters, police officers, and other emergency workers have ...

29. Retirement Blog- Retirement Planning Blog
... your ill-informed employer to set a very high age like 65 or retirement as ... This is a simply procedure implemented by the administrator that will ...

30. Forms
PEN 3 - Certificate of Permanent Ill Health. 29 Kb (.doc) PEN 4 - Contribution Remittance Advice ... pdf) "Standard Life Police Pension AVC Scheme" - Update ...

31. Debt and Health - Debt and Health Overview
Debt after retirement. Debt advice for Police Officers and staff ... Debt from Ill Health. Debt from loss of work. Mail order debt help ...

32. Freedom of Information Act Publication Scheme Protective Marking Not ...
... operating procedure applies in particular to officers and police ... Ill-Health Retirement and Pension Reviews (forms part of AMP owned by HR. Services. ...

33. UK Insolvency Helpline
National telephone helpline based in the U.K. for people with debt problems in ... Debt after retirement. Debt advice for Police Officers and staff ...

34. New absence management standards for the NHS
Absence management at Lancashire police takes the phone-back by line manager approach ... NHS makes sickness absence and ill-health retirement deal with employees ...

35. The Ohio Retirement Study Council
survivor and post-retirement health care coverage to over 1.3 million active and ... A single, ill-conceived retirement bill could have serious fiscal ...

36. Health " Uzar News
... to have poorer health and become more fragile and fall ill more often, Poles ... The Survey of Health, Ageing and Retirement in Europe (SHARE) took two years. ...

37. SIM 07/2002/35 - Health and Safety in the Police Service
and procedures: l. maintenance of good health in police staff; l ... cases of ill-health retirement are managed more effectively from the outset. This should ...



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