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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 : 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 : Started good, but then...

I don't know how to take this book. On the positive side, it offers seemingly reasonable investment strategies for inexperienced investors. At worst, the strategies are thought provoking. At best, they may be providing strategies that will make alot of people retire rich. On the negative side, I am skeptical of the author's intentions of writing this book. He sells mutual funds that implement the strategies (which is not necessarily a bad thing), but the funds have yearly fees of 1.5% each! That is very high for a passive fund. Why so high? All of a sudden, I want to stop reading. Finally, the book didn't teach me 250+ pages of info. It may be good for the new investor, but for one like me that has read a few books (but not done alot yet), it didn't offer alot of new insight. (I just can't get that 1.5% out of my head...)

Title : Your Next Fifty Years: A Completely New Way to Look at How, When, and If You Should Retire
Author : Ginita Wall
Rating : 5 Stars out of 5.
Summary : A useful thought-provoker

This book is well-organized, thought-provoking, with helpful exercises to get you thinking about how you'll spend not only the next 50 years, but your next year or two. I found it very useful in terms of evaluating my own choices and plans, AND it has helped me broach similar issues with my mother who is moving into retirement. I highly recommend this book to anyone over thirty. Start thinking about this stuff now!

Title : Invest in Yourself: Six Secrets to a Rich Life
Author : Marc Eisenson
Rating : 5 Stars out of 5.
Summary : Get High Returns on Your Time, Energy, and Money!

"Our goal for Invest in Yourself is to motivate you to take charge of your life and make the most out of your time, energy, and money." That's a novel and valuable perspective that's worth five stars for this book.

Too many self-help books focus on helping you get more money or more out of your money, but ignore the costs in terms of the time, attention, effort and stress involved. Invest in Yourself looks beyond that overly-narrow focus. That's the good news about this book.

The bad news about this book is that it has taken on more than one book can hope to fully deliver on. I hope the authors come out with sequels that expand and magnify what is here.

The six secrets are:

(1) Make your own lifestyle decisions.

(2) Put your family first.

(3) Wherever you work, be in business for yourself.

(4) Make the most of the money you bring home.

(5) Turn your debts into golden investment opportunities.

(6) Map out your financial future.

The three authors have an unusual perspective. They have dropped out of the "get ahead at the office" rat race and "shop until you drop" lifestyles much more than most. As a result, they have lots of money-saving ideas based on their own life experiences. Much of what is in the book, Walt Disney's Uncle Scrooge would approve of. If you are like me, you will find money-saving ideas that would never have occurred to you, otherwise. My parents have always shopped are yard sales, but it had never occurred to me to use these routinely for the kind of around-the-house items that I will seldom use like unusual garden tools.

One of the strengths of the book is that it is not a "one size fits all" approach. They realize that each person will have a different set of life goals, and the advice is couched to accommodate that.

I also liked the way that the book challenged the automatic assumptions that many make: Career comes first; job comes first; exciting consumer experiences are a main reward for success; and only the best will do.

By having three authors, the perspectives and ideas were much more varied than I have seen in other, somewhat-similar self-help books. That also was a strength.

The weakest section was the last one on mapping out your financial future. Almost everyone will need more guidance than is here. That's the bad news. The good news is that there are lots of books about creating financial plans that you can use to supplement this one.

On the other hand, those who buy into the traditional American Dream and will happily pay the price for economic success will find less in this book than will those independent souls who listen to their own intuition for guidance. Despite ideas for making penny-pinching fun, it's not going to be fun for everyone. I do applaud pointing out how saving money for essentials is far more valuable than expanding income due to the income tax effects on progressive income. The advice about paying off your expensive debt is pretty standard, but I liked the way it was couched in terms of thinking of it as a high return investment.

I hope you will not only read this book, but apply its lessons. As you do, I encourage you to expand your perspective even more broadly than the book does. What other areas do you have important values in, besides time, money, and energy? How can those values be honored in your tradeoffs? The more you do this, the better life you will have . . . the richer your life will be in terms of its effect on those around you.

Enjoy, live long, and prosper!

Title : The New Golden Door to Retirement Living in Costa Rica
Author : Christopher Howard
Rating : 1 Stars out of 5.
Summary : Great book--if you lack common sense

This book is great if are planning on traveling to Costa Rica as a tourist for a short amount of time; however, it really does not emcompass the complexity of moving or investing in a foreign country. Don't be fooled--this book lacks substinative information on starting a business in Costa Rica, other than the overarching message that "Not everything in the States will work in Costa Rica." Oh, really? My other favorite section was "How to Find a Nice Girl." After "interviewing hundreds of quality Costa Rican women" the author managed to whittle through the unrespectable, poor, uneducated women who were only after him for his money and find a nice girl. I guess the real shame is that he wasn't able to complete this process through a mail-order catalog.

Title : Pay Yourself First: A Commonsense Guide to Life-Cycle Retirement Investing
Author : Timothy W. Cunningham
Rating : 5 Stars out of 5.
Summary : One of the most insight books on investing for the future.

This is a must read for people in their 20s and 30s, especially those who are married and have children. Most people think Social Security and the company 401K will take care of their retirement. A great many of those people believe if they start saving in their mid-30s they will accumulate enough wealth to retire comfortably. This book reinforces the need to begin saving for retirement as soon as you begin working full-time because of the power of compounding and all of the various circumstances like Bar Mitzah's, weddings and other financially draining events. It made me examine my own portfolio and strategy for future financial events. It is a very easy to read and understand book and can be read in a day.

Title : Get a Life: You Don't Need a Million to Retire Well (Get a Life: You Don't Need a Million to Retire Well)
Author : Ralph E. Warner
Rating : 5 Stars out of 5.
Summary : My favorite retirement book.

Lawyer/consumer advocate Ralph "Jake" Warner thinks the popular advice that implores Americans to save piles of money for retirement is hugely exaggerated. Jake urges us to have built a life worth living by middle age, and tells the stories of seniors who have done just that. He offers advice on many issues, such as deciding what a reasonable nest egg should be and developing a healthy lifestyle. This book will help you find your way to a more fulfilling retirement, while it eases your current stress level.

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