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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 Prophecy
Author : Sharon L. Lechter
Rating : 4 Stars out of 5.
Summary : Beware 2016! -- Good Financial Education for New Investors

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Before commenting on the book's message and argument, let me discuss its communications style. There is a great on-going debate about whether the details that Mr. Kiyosaki presents about himself and his "Rich" and his "Poor" (and biological) Dad are literally true. I don't know, and I don't intend to try to find out. For my purposes, I treat the communications style of this book as a fable to help teach a lesson. I do evaluate the accuracy of the lesson itself in these comments.

If you've read some of the Rich Dad, Poor Dad books before, the main new information in this book is an explanation of why stock market investing with pension money is a dangerous way to grow your "wealth." In addition to being at risk from con men, thieves, incompetents, brokerage houses and market volatility, you face the ticking time bomb of a growing number of U. S. investors being legally required to liquidate their holdings beginning at age 70 1/2. As the Baby Boom generation turns 70 1/2 beginning in 2016, the selling moves from being a trickle into being a torrent that overwhelms new funds into the market at some point . . . followed by an inevitable collapse in stock values. If you want a more detailed, confirming discussion of this issue, the book, What If Boomers Can't Retire?, is a good choice. Harry S. Dent, Jr.'s demographic books also look at this issue.

If you already believe in the messages of the earlier books, you could skip this one . . . especially if you have already decided to avoid or minimize stock-market investments.

If you have read none of the Rich Dad, Poor Dad series, I suggest that you start with Rich Dad, Poor Dad before tackling this one. You'll understand this book better if you do.

The other problem with traditional defined contribution pension investing (usually by 401-k plans), of course, is that a pension fund contribution takes lots of cash out of your pocket (unless the employer matching is very generous -- way more than 2:1) to put some money into the retirement account. So you face the possibility of being much poorer in cash flow while you save for retirement investing and poorer when you cash out of the investment after you pay the taxes on what you take back in what could be smaller values. Imagine if you had had to start withdrawing from your pension fund in 1929. That's one nice illustration that I enjoyed in the book. Possibly, the same could occur after 2016. Who knows?

The second half of the book advises you on how to build a financial ark against hard times by relying on building cash-generating businesses and investments (such as rental properties) after you achieve your financial education (which you didn't learn in school, even if you got a business degree from most schools). You are encouraged to start small and develop various kinds of control over your emotions, advisors and actions. It's all sound advice. My only complaint is that people who are going to start making real estate investments and building cash-generating businesses need a lot more information than is here. I graded the book down one star, accordingly.

The first half of the book could have been shortened up quite a bit, but for those who are unaware of the demographic time bomb's potential effect on their investments, it may help to get the story in small doses.

The surprise for a lot of people in this book is going to be that what they hear every day from best-selling "authorities" about the "right rules" of retirement investing could easily turn out to be wrong for them.

After you absorb and begin to apply these lessons, I suggest that you think about where in your life the conventional wisdom led you down the wrong path. Where else could that be happening to you now?

Title : Wall Street on a Shoestring: Financial Success for Just Five Dollars a Day
Author : Clare La Plante
Rating : 5 Stars out of 5.
Summary : Wonderful book full of great common-sense advice

Ms. La Plante has taken a complex subject and explained it in such a simple and concise way. And she has included wonderful, common-sense advice. The first two chapters alone were worth the price. What a great concept, too. Most of us would never miss the $5.00 a day! Highly recommended!

Title : A Peaceful Retirement (Penguin Audiobooks)
Author : Miss" "Read
Rating : 5 Stars out of 5.
Summary : A lovely and entertaining read, a book to get lost in.

Miss Read, again manages to captivate the feelings of those who to are approaching retirement; and also of those who aren't. Her characters are all someone you know in your own life. Always feeling that they could be so and so. I always felt as if I was included in the story, like I was a friend. I'm an avid reader of her books but it seems this is the last one? She puts such warmth and feeling into this book it spills out from every page. It is obvious that her friends are as devoted to her as she is to them whatever happens. The frequent requests of marriage from John Jenkins are bittersweet and has nearly succumb once or twice. Her lifelong friend Amy, trying so hard to matchmake over the years, tries not to let John Jenkins slip through Miss Reads' fingers but alas fails again. She gets great support from Henry Mawne, who has also been a suitor in the past but Miss Read also gently refused him. She looks forward to retirement with joy and some trepidation, however handles the situation very well. I hope there will be more stories from her in the not to distant future.

Title : A Peaceful Retirement: Complete Unabridged
Author : Miss" "Read
Rating : 5 Stars out of 5.
Summary : A lovely and entertaining read, a book to get lost in.

Miss Read, again manages to captivate the feelings of those who to are approaching retirement; and also of those who aren't. Her characters are all someone you know in your own life. Always feeling that they could be so and so. I always felt as if I was included in the story, like I was a friend. I'm an avid reader of her books but it seems this is the last one? She puts such warmth and feeling into this book it spills out from every page. It is obvious that her friends are as devoted to her as she is to them whatever happens. The frequent requests of marriage from John Jenkins are bittersweet and has nearly succumb once or twice. Her lifelong friend Amy, trying so hard to matchmake over the years, tries not to let John Jenkins slip through Miss Reads' fingers but alas fails again. She gets great support from Henry Mawne, who has also been a suitor in the past but Miss Read also gently refused him. She looks forward to retirement with joy and some trepidation, however handles the situation very well. I hope there will be more stories from her in the not to distant future.

Title : The Old Fool's Retirement Guide
Author : Rob Davies
Rating : 2 Stars out of 5.
Summary : Disappointing book from an excellent stable

The 'Motley Fool' series is a really excellent one. For the first time reader of their works this book will provide something, indeed much, of interest. However, compared to their other books (and I have read them all) this is a disappointment. There is little which is new in this book and the retirement sections of, for example, the Motley Fool UK Investment guide, are actually more informative. The authors of Motley Fool really must decide on a standard version of thier investment philosophy and develop this, rather than simply repeat it in several differnet ways.

The book really cant make up its mind whether it is for those saving for old age, or already in it and trying to decide how best to take their income. It tries to do both and falls short on both counts, but particularly the latter. There is little or no discussion of many things -such as bonds or zeros - if only to dismiss them. These are (albeit briefly) explored in the Motley Fool UK Investment Guide - where the section on 'Hermiones old age' was very informative. If ths present book could have used this as a starting point we could have learned much more.

Likewise, there is little consideration of those already in their forties but with little or no investment. The book all to often assumes you are in the early stages of a career or at the end of it.

Buy this book if you are a first timer to the Motley Fool - otherwise stick with the UK Investment Guide and wait for the second edition of Old Age.......

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