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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 401(k) Millionaire: How I Started with Nothing and Made a Million and You Can, Too
Author : Knute Iwaszko
Rating : 4 Stars out of 5.
Summary : Changing my ways in 1999!

I never saved much because I didn't believe my small savings could make any difference and I never knew what to do with my money. Read this book to learn why saving is key and time (and compound interest!) are your best friends. The book also suggests money allocation strategies as you get nearer to your goals.

Title : Rich Dad's Prophecy
Author : Sharon L. Lechter
Rating : 4 Stars out of 5.
Summary : Building your ship or your castle? You choose. But do build

This is a wake up call to anyone still thinking that learning the investment game is optional. It is NOT!

This is a very useful addition to the Rich Dad's series mainly because it helps screw in concepts from the first book Rich Dad Poor Dad, the second one The Cash Flow Quadrant and the third one Guide to Investing.

I see each one as a lecture. And there is a constant build up helping to shape and focus the mind of newbies in the world of professional investment.

Title : It's Never to Late Too Get Rich: The Nine Secrets to Building a Nest Egg at Any Age
Author : Jim Jorgensen
Rating : 5 Stars out of 5.
Summary : Full of great information with a little humor!

This personal finance book, just published by US personal finance guru, Jim Jorgensen, is most useful. Although many references deal with US tax and retirement issues, I really enjoyed the sound financial principals he expounds. His investing principles, are universal. I would recommend it to any Brit. Americans living in UK, this is a must-buy.

Title : The 100 Best Investments for Your Retirement
Author : J.W Dicks
Rating : 2 Stars out of 5.
Summary : Good book, but out of date for picking mutual funds

This must have been a very helpful book when it was first published in 1996. It provides a good discussion of the financial issues one faces at retirement...income, risks, investment diversity. It also reviews good mutual fund bets for one retiring. Unfortunately the usefulness of the 1996 fund recommendations has diminished significantly. It's time for an update!

Title : How to Retire Rich
Author : James O'Shaughnessey
Rating : 5 Stars out of 5.
Summary : A Nobel Prize for O'Shaughnessy!

The main message of _How to Retire Rich_ is that if you want to retire rich, or retire at all for that matter (ever!), you must invest in the stock market. You just don't have a choice in the matter. Sit down and let James O'Shaughnessy take you through the math---you'll quickly see that that is just the financial reality. The good news, however, is that investing in the stock market, when done properly, is not what you think it is. It's not about outsmarting all the other investors out there. It's not about trying to get a 'ten-bagger' so you can buy a cool car and brag at parties. It's not even about shrewd business savvy and scanning financial reports. It's about picking an effective strategy and sticking with it year in, year out until the day you retire, never pulling your money out of the market.

But if that sounds hard, don't worry. One of HTRR's strongest points is the wealth of wisdom it provides on the mental aspects of investing over the long term. What do you do if your portfolio tanks? What do you do if it soars? This is a problem? You'd be surprised! O'Shaughnessy is probably the only author with a completely rounded, mature outlook on the emotional aspects of investing. Reading HTRR will give you the confidence you need to invest and stay in the market through good times and bad.

So how do you invest? O'Shaughnessy breaks it all down for you, telling you exactly what to do. We're not talking the usual vague, feelgood accepted wisdom here such as 'buy market leaders' or 'buy on weakness, sell on strength'. Throw all those books in the trash! HTRR will tell you how to quickly find the precise stocks you should buy. You'll finish the book at 2 o'clock and have a list of the stocks to buy in your hand at 2:30. Yes, it's just that easy. You'll also know exactly when to buy them (now) and when to sell them (a year from now), and what do after that (repeat the process until you retire). What could be simpler?

O'Shaughnessy should be nominated for a Nobel Prize. He is a modern-day Charles Darwin with a theory that has all the hallmarks of a revolution in scientific thought. The theory is simple, but deceptively so. Many readers come away thinking they have understood it, only to later demonstrate that they clearly haven't. Even Motley Fool was apparently unable to grasp Reasonable Runaways (one of the strategies in HTRR). They tried to test it with a universe of stocks picked from Value Line (!). When it wasn't performing well after six months (!), they wondered how they could tweak it (!) to "make it dance" (their words). You'll understand just how ridiculous all of this is when you read HTRR.

Perhaps the reason for this widespread misunderstanding is that while the theory itself is simple, its ramifications are not---and without understanding its ramifications, it is impossible to truly understand the theory. Like Darwin, O'Shaughnessy has taken 'God'---the human element---completely out of the picture. That's what readers find so hard to grasp. O'Shaughnessy has shown that not only is human intervention in portfolio management not necessary, it's downright harmful. Given enough time, any human intervention will only lower a portfolio's returns from the optimum returns that could be obtained using a simple model.

I hesitate to include the returns I have earned over the past four years using the Reasonable Runaways strategy in this review, because I don't think they're typical. I have earned 93.15% (CARR of 17.88%) versus 1.17% (CARR of 0.29%) for the SP during the same period (July 15, 2001 to July 15, 2005). And this is during a time period that includes 9/11. But as you'll discover from reading HTRR, four years is a meaninglessly short amount of time over which to gauge performance. Also, giving out exciting returns numbers shifts the discussion away from the real message of the book---get in the stock market and stay there (investing properly of course). It's the only way you'll ever be able to retire, rich or otherwise.

For UK readers, Ifd also like to point out that if you invest in the US stock market and live outside the UK (as I do), itfs tax-free. How can you go wrong?

Title : Financial Independence the Smart Way: Investing for Growth, Income and Retirement
Author : Stephen L Littauer
Rating : 5 Stars out of 5.
Summary : Easy to understand and easy to use.

Financial Independence The Smart Way shows you how to become your own investment manager. If you're looking for advice and an action plan to help you secure your financial freedom, look no further. I found this investment book to be the best I've seen. The author takes a disciplined, systematic approach to investing, guiding you from your personal objectives to suitable investments for your portfolio. It has helped me to sort through the maze of current offerings and develop a well-designed plan for investing. The book shows how to "invest the smart way" and what it takes to be a successful investor. The author explains why its risky to be out of the market. I liked the strategies he offered to become my own investment manager, to plan for a financially secure retirement, to invest online and to protect my capital.

Title : How to Have a Great Retirement on a Limited Budget
Author : Diane Warner
Rating : 4 Stars out of 5.
Summary : lots of good info but some of it is a little bizarre

menus in food chapter would have you drinking six different kinds of fruit juice in a week. I open one or two containers at a time. The man who saves money on taxes by flying to Oregon and driving home a new car every couple of years is breaking the law. I think hiring a teenager to climb up and prune trees might leave you open to a lawsuit if he fell out of the tree onto the pruning shears.

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