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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 New Golden Door to Retirement Living in Costa Rica
Author : Christopher Howard
Rating : 5 Stars out of 5.
Summary : Great, Great Book!

My husband and I found this book to be a godsend. It helped make our move to Costa Rica a lot easier and answered a lot of questions we had. We saved time and money by reading it. Even after living in Costa we refer to it occasionally. It was highly recommended to us by the Costa Rican Residents Association.

Title : Cashing in on the American Dream: How to Retire at 35
Author : Paul Terhorst
Rating : 5 Stars out of 5.
Summary : Fifteen Years Later, They're Still Retired

This book, along with Your Money or Your Life, changed our lives. By following the advice outlined in these two books, we were able to quit our jobs in our forties and pursue other interests. We have been free of the daily grind for over four years now, thanks in part to Paul Terhorst, Vicki Robin and Joe Dominguez (authors of YMOYL).

In a conversational style, Terhorst explains how he realized his job was sapping the life out of him, and how he used his skills as an accountant to devise a plan that would enable him to retire at 39 years of age. Unfortunately, the specific financial advice he gives (invest in high-yield certificates of deposit) is no longer possible. But number-crunching is not the most important message that Terhorst has.

Cashing in on the American Dream advocates a no-nonsense approach to determining just what you want in life. Do you want to be free of working for others? Then it might mean giving up your car and dinners out. But it doesn't have to mean giving up what you really love (or need). Terhorst and his wife, Vicki, have been retired almost twenty years now and have spent much of it traveling the world. They have health insurance abroad, because it's cheaper than U.S. insurance (where we still have no national health insurance), and better.

The Terhorsts have their own website and I like to check in on them once or twice a year. The fact that they have made their plan work all these years is more important than any advice they have. Cashing in on The American Dream is an inspiring book. If they could do it, why can't you?

Title : Have a Healthy and Happy Retirement Pbk'b'Format(Ntc USA Edition) Help Yourself Series
Author : Michael Apple
Rating : 5 Stars out of 5.
Summary : Do you want to make the most of new opportunities?

One of the greatest changes to have taken place over the last years is the attitude to retirement and ageing. No longer do the older generation creep along as Old Age Pensioners. Instead we see Seniors enjoying their freedom, better health, and with a little luck and planning, a comfortable lifestyle.

Dr Michael Apple, a GP who is also a writer, has brought all this together in his latest book. He urges anyone approaching retirement to think positively about what it will mean, and to seize with both hands the opportunities which are there. He advises us not to let this major change in life catch up on us without some planning, since he points out that in retirement we are viewed in a different light not only by others but by ourselves as well. He explains how some of the relationships we have will change, and how and why even our children may look at us differently.

So, read this book to find out about how to make the most of your opportunities - browse through it - and you will find out all you need to know about moving from a fixed daily routine to using your time more freely. He acknowledges that poor health or a disability may be a factor to contend with, and gives good advice about how to cope with some of these problems.

His sound recommendations are: keep healthy physically and emotionally, look at how ageing affects the body and the mind, make sure you are safe, care for your appearance, and maybe even reassess your sex life.

If you need further help, then the list of information and resources in the book will point you in the direction you seek.

Title : Five O'Clock Charlie
Author : Marguerite Henry
Rating : 5 Stars out of 5.
Summary : A terrific gift for addicting a child to reading

This was my favorite book as a child, and I've been waiting years for it to come back into print so I can give copies to all the children on my gift list. (I'm lucky enough to have an old hardback edition of my own.) For young readers (especially the horse-crazy ones) on your gift list.

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 : 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 : Mrs. Ted Bliss
Author : Stanley Elkin
Rating : 5 Stars out of 5.
Summary : Once Again, a Masterpiece by Elkin

One of the most distinct voices in (Jewish) American literature, Stanley Elkin, has done it again with Mrs. Ted Bliss. From the title to the final chapter, the reader is forced to examine his/her preceonceptions about age, retirement, sex and social roles, and other stereotypes. Mrs. Ted Bliss, a retired widow with no skills, gets caught in a web of intrigue that leads to the downfall of a drug lord when she sells her car. Mrs. Ted Bliss, however, is no Mrs. Pollifax, ready to karate-chop her way out of danger. Give it a read if you want to laugh out loud.

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