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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 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 : 3 Stars out of 5.
Summary : Great Book!

Hi, I am working at ILISA Language Institute in Costa Rica, San Jose and I just want to say that this book helps our student a lot by giving them helpful tips or by arrange their own travel in Costa Rica. Thanks!

Title : Have a Healthy and Happy Retirement
Author : Michael Apple
Rating : 4 Stars out of 5.
Summary : How to enjoy freedom better health a comfortable lifestyle

One of the greatest changes to have taken place over the last years is the attitude to retirement and ageing. No longer do the older generation creep along as Old Age Pensioners. Instead we see Seniors enjoying their freedom, better health, and with a little luck and planning, a comfortable lifestyle.

Dr Michael Apple, a GP who is also a writer, has brought all this together in his latest book. He urges anyone approaching retirement to think positively about what it will mean, and to seize with both hands the opportunities which are there. He advises us not to let this major change in life catch up on us without some planning, since he points out that in retirement we are viewed in a different light not only by others but by ourselves as well. He explains how some of the relationships we have will change, and how and why even our children may look at us differently.

So, read this book to find out about how to make the most of your opportunities - browse through it - and you will find out all you need to know about moving from a fixed daily routine to using your time more freely. He acknowledges that poor health or a disability may be a factor to contend with, and gives good advice about how to cope with some of these problems.

His sound recommendations are: keep healthy physically and emotionally, look at how ageing affects the body and the mind, make sure you are safe, care for your appearance, and maybe even reassess your sex life.

Title : General Washington's Christmas Farewell: A Mount Vernon Homecoming, 1783
Author : Stanley Weintraub
Rating : 5 Stars out of 5.
Summary : It takes chaos to invent a new order

Let's start on a personal note: I was in Cuba in January 1959, when the brutal dictator Fulgencio Batista fled in the middle of the night and Fidel Castro began making his way across the country to Havana.

The Cuban celebrations of the collapse of tyranny and terror were much like the events described in this book, a continuing rum-fueled celebration that lasted days and days in a nation at last free after years of terror. Castro made a triumphal procession across the country as a godlike liberator, just as Washington was hailed as the greatest man of his times. It is nice to celebrate the end of a war -- think of George Bush strutting across the flight deck of an aircraft carrier, wearing a borrowed flight suit with the banner 'Mission Accomplished' in the background. But, freedom is much more; it generates an ecstasy that stirs every emotion the heart, not merely the limited glory of victory, but also an unbounded hope for a better and brighter future without fear, fright or futility.

Washington, with a knowledge and wisdom rare among revolutionary leaders, went back to his farm. The ultimate tribute came from King George III, who personally knew something about the temptations and dangers of power, when he said that if Washington actually did return to his farm "he will be the greatest man in the world."

Think of Cuba today had Castro retired to a little rancho and learned how to cut cane instead of crushing gusanos. In Haiti, Jean Bertrand Aristide should have gone back to the priesthood after he tossed out the Duvalier regime. The list of "liberators" who seize power and try to impose their own rules is almost universal; Washington patterned his retirement after the Roman hero Lucius Quinctius Cincinnatus "who, victorious, left the tented field, covered with honor, and withdrew from public life, to enjoy civium cum dignitate."

Unlike Cincinnatus, who was twice recalled from his farm to become dictator, Washington was recalled from his farm only to establish an enduring legacy of democracy. It is a rare quality. Weintraub describes those perilous times with painful detail.

Painful? It was a time of chaos in America, much to the satisfaction of the English who thought the independent colonies would collapse of internal confusion. Congress was even flakier then than now. A third of Americans were loyalists who had supported King George; Washington understood the power of reconciliation rather than the retribution of describing anyone who had not supported him as an enemy.

In 1783, Washington kept urging greater power for the central government. He could have become dictator and imposed his own regal solution; instead, he stepped back and let the people and Congress, however slow in their many imperfections, gradually work out the system that now exists. Everyone was slow to listen, waiting until 1787 to even begin writing a new Constitution. But, after trying all other solutions, they finally listened to Washington. The old boy may have had wooden (or ivory) teeth, but there was no wood between his ears.

Weintraub has written a masterful book outlining the chaos, confusion and cupidity of the time; explaining how from the primordial soup of American independence a resolute democracy emerged. This book helps explain the resolute independence of the American spirit, nicely summed up by a departing British officer, "These Americans are a curious, original people; they know how to govern themselves, but nobody else can govern them."

It was a wonderful tribute to an exceptional people, and this book nicely explains the mood of the times.

Title : Iras, 401(k)S Other Retirement Plans: Taking Your Money Out (IRA's, 401(k)S Other Retirement Plans: Taking Your Money Out)
Author : Twila Slesnick
Rating : 5 Stars out of 5.
Summary : Excellent even if you're not 59 1/2 years old

This is a great resource--clear, concise, easy to digest, well indexed, and written for the lay person. Knowing the rules for taking money out of your retirement accounts is important even if you're still putting money away--it allows you to make much better decisions about your investments.

Title : "Which?" Guide to Pensions: How to Maximise Your Retirement Income ("Which?" Consumer Guides)
Author : Jonquil Lowe
Rating : 4 Stars out of 5.
Summary : A good, all-round, general introduction.

You can't normally go wrong with a Which? guide and this one is no exception. I have recently set up my own business and needed to learn all about company pension schemes and legislation.

This guide was an excellent starting point, covering all the major options available to me and clearing up a lot of the jargon. It even contains sections on maximising the performance of your pension.

This is the 1999 edition, but still contains reasonably current advice on Stakeholder pension plans. Considering the often tiresome nature of the subject matter, this is all highly informative stuff.

Title : You've Earned It, Don't Lose It: Mistakes You Can't Afford to Make When You Retire
Author : Suze Orman
Rating : 5 Stars out of 5.
Summary : Very specific, useful info for BIG retirement decisions.

Orman provides very specific information and advice that you will not find unless you shell out big bucks to a financial advisor. For example, Orman tells you how to take money from your IRA before age 59 1/2 with NO PENALTY (substantially equal periodic payments), but adds VERY IMPORTANT advice on how to structure the portfolio to protect the nest egg. Another example of very specific, useful info includes the chapter on long-term care which gives instuctions on how to determine if you need LTC insurance, how much to buy, when to buy, what kind of company to buy from, etc.

The entire book is filled with this kind of specific info - a "must read" for the "do-it-your-self" personal financial manager.

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