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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 : Bankroll Your Future: Retirement with Help from Uncle Sam: How Government Perks and Policies Can Help You Preserve Your Income, Your Healthc
Author : Ellen Hoffman
Rating : 5 Stars out of 5.
Summary : Great Bargain!

Ellen Hoffman's new book is loaded with useful information -- all of it accessible and easy to understand. And for those of us who might be filing our taxes er...late, the appendix is terrific!

Title : Still Here: Embracing Aging, Changing and Dying
Author : Ram Dass
Rating : 5 Stars out of 5.
Summary : A gentle, clear perspective on living all of your life.

Ram Dass has aged, and while thinking about aging, had a massive stroke from which he has recovered his speech. The words are more thoughtful now, clearer. There is an economy which has lead to clarity. Reading this work helps one to see what to hold onto and what to release. There can be joy in where you are, though it is clearly not where you were, once, nor where you thought you would be. This is a gift. In each chapter he reminds us, in a gentle, loving way, to love ourselves. Knowing that he has come back from the stroke, that his body is not going to stop relying on the wheelchair, that there was fear and pain in his experience, all this makes his words ring true. Give yourself this gift. And give it to others.

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

n
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 : 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 : 4 Stars out of 5.
Summary : One of the best all round books on retirement planning!

As a Certified Financial Planner, I recommend this book to many of my clients who are seriously planning their retirements. Warner has done a great job putting things in the proper perspective with a book that is an "easy read". While adequate money is important to a satisfactory retirement (and helping clients build a satisfactory net worth is how I make my living), I do find, as has Warner, that there are more important things such as health, friends, and a purpose (i.e., reasons to get up in the morning) when it comes to planning out one's retirement. I frequently ask clients what they plan to do when they retire. When they say "go fishing" or "play golf", I then ask them what they plan to do the second week/month/year. And I keep asking the question until they realize that its a serious one. Warner takes it further with discussion and clear examples. In short, a must read for anyone approaching retirement.

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