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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 Complete Guide to a Creative Retirement
Author : Robert Kelley
Rating : 5 Stars out of 5.
Summary : Valuable Resource for Your Golden Years

Many friends and family members have told me that they were unprepared for retirement when it came. They struggled mightily with problems that they later found that almost everyone has. So although they had the financial wherewithal to retire, they didn't really know how to spend their time and focus their energies. As a result, they enjoyed the early years of their retirements much less than they had hoped and could have. That's a same because the first few months and years of retirement are likely to be the time when most people will have the most health and financial resources to explore whatever it is that they would like to do.

Mr. Kelley's The Complete Guide to a Creative Retirement is a resource that addresses the issues very well that retired people have told me about. I heartily recommend it to everyone who would like to retire in the next ten years . . . and to those who are recently retired.

The book is organized into two sections. In section one, you are given ideas for thinking about retirement in new and more productive ways. Section two is a resource guide to help those with different orientations (organizers, creative people, socializers, intellectuals, volunteers and caregivers, nature lovers, athletes, and those who would like to keep working past the normal retirement age).

In chapter one, Mr. Kelley compares the frustrations of many retirements that were not planned (such as after being "downsized") with those who had planned creatively for retirement, and found their golden years to be an improvement in their lives.

In chapter two, you will learn the 12 strategies for retirement.

1. Maintain as much of your daily routine as you can.
2. Leave the house at least once a day.
3. Make a daily list of things to do.
4. Plan ahead.
5. Plan your social life.
6. Eat less.
7. Exercise daily.
8. Simplify your life.
9. Pursue your favorite activities.
10. Get better at what you want to do while retired.
11. Join a support group.
12. Lose yourself mentally and emotionally in your activities.

The first section goes on to help you see choices that you may not have considered, explains how to adjust in retirement in your relationships with your spouse and friends, and gives you a planning guide that you can fill out to begin your thinking.

The second section isn't as exhaustive as it might have been, but there are enough ideas to get you started. I'm sure it will stimulate you to come up with even better choices that fit your circumstances best. Don't be afraid to think of yourself as having more than one dimension (you may be an athlete and a socializer).

I also encourage you to share this book with your spouse, family members and friends. They may be able to help you develop better choices after having considered the book.

After you are done, I suggest that you think about how you could help others have a better retirement as well.



Title : Celebration
Author : Harry Crews
Rating : 5 Stars out of 5.
Summary : Not for the faint of heart

As someone else noted, this probably isn't the best introduction to Crews' work for the uninitiated and the faint of heart. But for hardcore Crews readers and others who can look the human beast in the face without flinching, this is some of his best work, and indeed some of the best work being done in contemporary fiction.

If you need the status quo definition of Justice and Beauty to get to sleep at night, don't read this book. But if you can't turn away from the dark spectacle of the raw human heart, this is for you.



Title : How to Retire Rich
Author : James O'Shaughnessey
Rating : 5 Stars out of 5.
Summary : Illuminating!!!

A must read for anyone who cares about their financial future. The cloud of confusion that shrouds Wall Street has been blown away. Finally, a simple, easy to understand investment guide that gives actionable advice. Forget about the 5,000 mutual funds that consistently underperform the market. Forget about this year's genius or this year's hot fund. Follow a discipline and stick to it through thick or thin. Thanks, O'Shaughnessy. This book summarizes everything I've learned about investing over the years, but, of course, not yet acted upon. That will change. ----Three things to count in life: death, taxes, and dismal stock market returns without an invesment strategy!----



Title : You've Earned It, Don't Lose It: Mistakes You Can't Afford to Make When You Retire
Author : Suze Orman
Rating : 4 Stars out of 5.
Summary : Must read for anyone concerned with his/her estate.

Superbly written. Easy to read. Explains, in simple terms, trusts, investments, estate taxes, and things you MUST know as long before you approach retirment. Lays out some things you can't afford not to do. Best $10-$15 you ever spent. Could return payment in thousands.



Title : Rich Dad's Retire Young, Retire Rich: How to Get Rich and Stay Rich Forever! (Rich Dad's Advisors Series)
Author : Robert T. Kiyosaki
Rating : 5 Stars out of 5.
Summary : More great ideas, more great context - huge value for money

This fourth book in the main series follows through the logical progression from 'taking care of your business' to retiring and doing what you want to do full time. Some people in the UK may find Robert Kiyosaki's American enthusiasm and repetitive writing style a bit hard to take - just stick with it and realise that making money is something that Americans do better then us! Others may say that you 'can't do those things here' - may I suggest to them that they need new advisors as I have not had any problems in implementing these ideas. I would read 'Rich Dad Poor Dad' and 'Cashflow Quadrant' before this book - could be a bit much at once otherwise.

The big gain from this, as with all the books, is the sense of challenge and attitude that comes across. Combined with the specific ideas for action and areas to think about Robert is able to lead you towards acheiving your financial goals, whatever they are.

Retiring before 45 is a dream that most us share, but few think is possible. I would rate these four books as being of equal value in helping me to be on track to reach this goal (despite having started at 31 years old), as my MBA. The MBA tells me how, Rich Dad helps me think of why, when and what.

The true value of these books is really demonstrated by their life expectancy on my book shelf at home. I have leant a number of copies of Rich Dad Poor Dad to friends and family, none of which have ever been returned! Since then my sister is now starting her own company and writing a book and friends have made some very profitable moves into property investment. None of these people, including myself, talked about such things before reading Robert's books.

Buy this book. Read it. then hide it and re-read it every few months - if you don't you will probably find that it disappears and those close to you start to have more money in their pockets!

A real delight.



Title : Adventure of Retirement: It'S
Author : A. Guild Fetridge
Rating : 3 Stars out of 5.
Summary : This book was very helpful - though not an eye-opener

The author is very thoughful and knows the subject well. I bought this book for my parents and hope the situation is the same or better when I retire.



1. Working here - Pensions
Queens Hospitals - Pension information. ... the life assurance cover and family benefits provided by the NHS Pension Scheme. Early Retirement ...

2. Introduction
you have to retire early. because of ill-health and you. are either: a ... NHS Pension Scheme (Amended April 2008) and you. retire due to ill-health up to ...

3. Scottish Public Pensions Agency - NHS Scheme - Retirement
... Public Pensions Agency is an Executive Agency of the Scottish Executive. The Agency administers and regulates the NHS and ... voluntary early retirement with ...

4. Changes to the NHS Redundancy Arrangements
NHS Pension Scheme members who retire on grounds of ... are entitled to retire early with an enhanced pension. 10. ... to NHS Pensions so he can retire without ...

5. NHS Pension Scheme in England and Wales / Members / Changes to the Scheme
... NHS, they may be awarded early payment of their retirement benefits ... of re-employment are set out in the NHS Pensions' booklet about early retirement. ...

6. NHS Employers: Right to retire with an unreduced pension
We did recognise that many staff value the opportunity to retire early on redundancy grounds, but the existing major step-change in entitlement does not sit well ...

7. B38674 SPPA Main Inner Q4
... may be paid early to NHS Pension Scheme members and some ... The NHS Pension Scheme provides for voluntary early retirement from age 50 with actuarially ...

8. NHS Barnsley - The NHS Pension and Retirement
All NHS employees are entitled to join the NHS Pension Scheme, which offers ... Voluntary early retirement from age 50 (restrictions apply) ...

9. Early retirement pensions
Eversheds Pensions Speedbriefs. Early retirement pensions: the Beckmann ... payment of an early retirement pension and lump sum payable from the NHS Pension ...

10. Agenda for change: NHS Terms and Conditions of Service Handbook ...
early retirement the member of staff must: Be a member of the NHS ... voluntary early retirement. Their employer will pay the relevant NHS pension scheme a sum ...

11. NHS Pension Presentation
(voluntary Early Retirement) Member can retire and return to work, without reduction in pension ... I also have NHS Pension Agency ...

12. Important note: When reading this fact sheet please bear in mind the ...
claiming their NHS pension through voluntary early retirement either with or ... as the NHS pension on early retirement and used to purchase an annuity. This ...

13. Med-IFA - NHS Pension Scheme Information - Specialist Financial Advice ...
Med-IFA - NHS Pension Scheme Information - Specialist Independent Financial Advice for Dentist and Doctors, Including ill health retirement and enhancing retirement ...

14. FAQ. Pension NHS
FAQ-Pension NHS, UNISON, Suffolk HealthCare Communicator ... to take voluntary early retirement from age 50 and receive a reduced pension. ...

15. Approaching Retirement
... to the Trustees for an immediate unreduced ill health early retirement pension. ... retirement on medical grounds both SAUL and the NHS will abated the pension if ...

16. GETTING YOUR RETIREMENT TIMING RIGHT | Article
08-MAR-07 - Andy Blake of the BMA explains the situation The normal retirement age of the NHS pension scheme is 60 and any GP can retire at this age... | Free With Signup

17. Med IFA
Med-IFA - NHS Pension Scheme Information - Specialist Independent Financial Advice for Dentist and Doctors, Including ill health retirement and enhancing retirement ...

18. NHS pension scheme
Normal retirement age in the NHS pension service is age 60 and at that age any ... Early retirement with an enhanced pension may be possible in these circumstances. ...

19. NHS Employers: FAQs: arrangements pre October 2006
NHS Pension Scheme review. NHS Ill Health Retirement Review. NHS redundancy review ... What are the current arrangements for early retirement? ...

20. Pensions - Isle of Man Personnel Office
NHS Pension Schemes Early Retirement and Redundancy Guide. Leaving the ... Format:Acrobat PDF File. NHS Pension Schemes Early Retirement and Redundancy Guide ...

21. HSG (95)25: NHS early retirement arrangements : Department of Health ...
New voluntary early retirement arrangements for NHS Pension Scheme members were ... Download HSG (95)25: NHS early retirement arrangements (PDF, 1149K) ...

22. Agenda for Change | About
... above, or early retirement with no actuarial reduction to their NHS pension. The cost of the early retirement option will be met by the employer from the ...

23. Retirement and pensions information TOP BACK TO MAIN MENU
You can transfer your NHS pension outside the UK. ... Early Retirement: This booklet explains the benefits which may be payable to ...

24. BBC NEWS | Health | NHS 'pensions timebomb' warning
Doctors' leaders warn the NHS faces a retirement timebomb as new arrangements allow doctors to retire early on full pensions.

25. 24-hour retirement : New Law Directories
The NHS pension scheme makes a mountain out of flexible retirement, says Roderick Ramage ... by virtue of regulation E1 (normal retirement pension), E4 (early ...

26. Policy Retirement Policy Policy number 6 Approved 14 September 2001 ...
The NHS Pension scheme operates a Voluntary Early Retirement scheme. Under this ... eligible for pension benefits may opt to take early retirement between the ...

27. Pulse - Make the most of the NHS pension scheme
Enhanced pension if forced to retire early on ill-health grounds (unless in ... are likely to mean early retirement without abatement of pension will be pre-65 ...

28. Improving Working Lives - Work Life Balance - Flexible retirement options
... contribute to the NHS Pension Scheme you may be able to take early retirement. Retirement benefits consist of an annual pension paid for life and a tax-free ...

29. Ill health summary:Mod. medical... briefing
retire early because of permanent ill health. may receive ... early retirement. This would involve a reduction in the. employer contribution rate to the NHS ...

30. UNISON Scotland Protecting Our Pensions FAQs
... Pension Scheme. NHS Pension Scheme. Other pension schemes. Women's pensions ... immediate pension from that date, without any early retirement reduction ...

31. www.wales.nhs.uk/documents/A4C(3-2007).doc
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32. Glossary UK | nullity, negative deferred pension, NHS funding
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33. 8 Retirement benefits and early departure costs
NHS Superannuation Scheme. Teachers' Superannuation Scheme ... the requirements of FRS17 are to apply to the accounts of the pension ...

34. Human Resources Policy No. HR19
All members may take voluntary early retirement and receive pension benefits ... NHS PENSION SCHEME - RETURNING TO WORK AFTER RETIREMENT ...

35. Med-IFA - NHS Pension Scheme Information - Specialist Independent ...
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36. Retirement policy 1. Introduction 1.1
Voluntary early retirement arrangements for NHS Pension Scheme members were ... of the NHS Pension Scheme may volunteer to retire early (i.e. from age 50 onwards) if ...

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