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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 : Kiplinger's 12 Steps to a Worry-free Retirement
Author : Daniel Kehrer
Rating : 5 Stars out of 5.
Summary : Easy to understand.

This book lays out what you need to know about planning your retirement using easy to understand text and charts. The chapter I liked best was: Step 12 Monitor Your Retirement Plan's Pulse, I think its a good idea to read this chapter first.

Title : How to Retire Rich: Time-Tested Strategies to Beat the Market and Retire in Style
Author : James P. O'Shaughnessy
Rating : 2 Stars out of 5.
Summary : Reasonable runaways - Best way to lose big monies!

Mr. O'Shaughnessy outlines several of his investment strategies and in particular his "reasonable runaways". If you look at his numbers AND factor in costs of establishing a similar group of stocks (something he neglects to do)the SP 500 is the clear winner.

A VERY IMPORTANT piece of investing advice that Mr. O'Shaughnessy advises against is the use of stop-limit orders in his portfolios. By neglecting to use this very important investment tool, you open yourself up to huge losses in the very questionable turnaround stocks that have just been run up in price. Most of these WILL go down and many they will go down big and not recover. Take the advise of someone that has been watching (and burned very badly) by taking his advice and not using stop-limit prices, USE THEM IF YOU EMPLOY THIS VERY RISKY STRATEGIE!!!

If you look at ANY of his mutual funds, you will clearly see that the performance of all of his funds badly trails the SP 500. His expense ratios are also out of line to the high side, something that he warns against in this book.

The three pieces of advice that are of any value in the entire book are to establish a plan, stick to it, and, if 87% (or so) of mutual funds (including his) do not match the performance of the SP 500, why are you investing in anything other than the SP 500?

Good luck to all!!!

Title : General Washington's Christmas Farewell: A Mount Vernon Homecoming, 1783
Author : Stanley Weintraub
Rating : 4 Stars out of 5.
Summary : Goin' South......

Don't be put-off by the cheesy title of this book. Yes...it's obviously a marketing ploy meant to tie in to the holiday season. In any case, Mr. Weintraub has crafted an interesting book. We follow Washington from West Point to Mount Vernon, as he tries to get home for Christmas. Most notably, he stops in New York City, Philadelphia, and Annapolis. In NYC he says farewell to his officers. He also puzzles his subordinates by going to visit a bookseller who is a known Tory sympathizer. (Unknown to Washington's underlings, the man was part of the commander-in-chief's network of spies who kept the general informed of the goings-on during the 1776-1783 British occupation of Manhattan.) In Philadelphia, amongst other things, Washington orders some new spectacles from the noted scientist David Rittenhouse. In Annapolis, Washington returns his commission to Congress, thus making formal his resignation from public service and return to private life. The book is only about 175 pages and can easily be read in a day or two. However, Mr. Weintraub manges to provide a lot of information. Some of it is interesting on a "serious" level - for example, we see Washington at the start of the journey insisting that his departure from public life will be permanent. He made several speeches on the way home, and he constantly stressed that Congress needed strong legislative powers so that it could hold the bickering colonies together. By the time he reached Annapolis, Washington had come to the conclusion that it was going to be an extremely difficult process to turn a loose confederation, which no longer had the "glue" of battling a common enemy, into a true nation. Washington was not being an egomaniac, just realistic, when he came to understand that he was the only person who could be a unifying force. Therefore, when he gave the speech in Annapolis in which he resigned his commission as commander-in-chief he changed the language so as to leave the door open for a later return to public service, if such a thing proved to be necessary...which it did. Washington was remarkably unambitious for someone who was held in such awe. He was, indeed, the man who could have been king. (In his own day, everyone wanted to touch him, as though he were holy. Many years later, people had relics - as though he were a saint. Lincoln had a splinter of Washington's coffin contained in a gold ring he wore. President McKinley had several strands of the great helmsman's hair.) Americans owe Washington an eternal debt that he turned his back on dictatorship. On the lighter side of this book, we see Washington the man - sans wig, so to speak. We see him losing his temper, his pride in his dancing ability, his love of fine wine, etc. We also get to hear about his expense account, where it seems as though he put down every possible item, down to the last pound, shilling, and pence. (He even included tips he had given out to people who had waited on him.) I especially enjoyed the little personal touches that Mr. Weintraub saw fit to include - such as letting us know that the 6'4" Washington slept in a 6'6" bed. The author also tells us about the time that Washington fired a Mount Vernon gardener for getting drunk. Then, when the man expressed remorse and wanted his job back, Washington agreed...but he made the man sign a contract specifying that he could only be in his cups at certain times of the year. For example, he was allowed 4 days of drunkenness at Christmas! The book, on rare occasions, becomes tedious when Mr. Weintraub gives us excerpts from speeches delivered by sundry parties during the various "farewell" dinners. But, for the great majority of the time, this book will hold your interest with its nice balance between the public and the private Washington.

Title : Iras, 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.

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