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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 : You've Earned It, Don't Lose It: Mistakes You Can't Afford to Make When You Retire
Author : Suze Orman
Rating : 1 Stars out of 5.
Summary : The math is wrong

The time value of money analysis in this book does not take into account that money has time value and thus the results of the studies Orman presents are biased in the wrong direction. Also the rate of inflation of 5% is too high based on current and past values. This also biases the results. It is funny to see the results of her long term care insurance policy analysis. According to Orman, the insured pays in $1,255 each year for 30 years and alternately if they had not taked the policy get no credit for the compound growth rate this money would earn had not they taken the policy. It makes a huge different that was not considered Also there is a chart that shows a comparison of 5% simple and compound interest on an inflation rider. Certainly, inflation is not a simple interest growth rate. The data of Orman's table make no sense whatsoever and certainly have no bearing on the long term care policy decision.



Title : The Roth Ira Made Simple
Author : Gary R. Trock
Rating : 5 Stars out of 5.
Summary : Finally a book that makes sense!

Finally, a source for some interesting considerations to take into account, before jumping head first, into a Roth IRA conversion. This book was very informative about the process of conversion into a roth IRA. The author was very intresting and easy to understand. I would recommend this book for anyone that is concernd with there investments for there retirement future.



Title : Life Begins at 50: A Handbook for Creative Retirement Planning
Author : Leonard J. Hansen
Rating : 5 Stars out of 5.
Summary : This book has much valuable information about growing older

I found this book to be very well written and full of valuable information about enjoying life well into one's mature years. I will soon be fifty and now I am thinking about how nice it will be as opposed to dreading growing old. This is a source of inspiration for me. This book helps one to understand the value of growing older and reinforces the idea that growing older is a great opportunity. This book has much to offer those in middle age as well as those in late adulthood. I would especially recommend this book to those in the baby boom generation as they approach fifty.



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 : 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.



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34. Pensions & Retirement Advice West Midlands - Plan Your Retirement
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