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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 Inheritance of Loss
Author : Kiran Desai
Rating : 5 Stars out of 5.
Summary : "Mythic battles of past and present, justice and injustice."

Writing with wit and perception, Kiran Desai creates an elegant and thoughtful study of families, the losses each member must confront alone, and the lies each tells to make memories of the past more palatable. Sai Mistry is a young girl whose education at an Indian convent school comes to an end in the mid-1980s, when she is orphaned and sent to live with her grandfather, a judge who does not want her and who offers no solace. Living in a large, decaying house, her grandfather considers himself more British than Indian, far superior to hard-working but poverty-stricken people like his cook, Nandu, whose hopes for a better life for his son are the driving force in his life.

The story of Sai, living in Kalimpong, near India's northeast border with Nepal, alternates with that of Biju, Nandu's son, an illegal immigrant trying to find work and a better life in America. Biju, working in a series of deadend jobs, epitomizes the plight of the illegal immigrant who has no future in his own country and who endures deplorable conditions and semi-servitude working illegally in the US. As Desai explores the aspirations of Sai and Biju, the hopes and expectations of their families, and their disconnections with their roots, she also creates vivid pictures of the friends and relatives who surround them, creating a vibrant picture of a broad cross-section of society and revealing the social and political history of India.

Though Sai's romance, at sixteen, with Gyan, her tutor, provides her with an emotional escape from Kalimpong, it soon becomes complicated by Gyan's involvement with the Gorkha National Liberation Federation, a Nepalese independence movement which quickly becomes bloody. Gyan's commitment to the insurgency offers an ironic contrast with the commitment of his family to the colonial British army in earlier times, just as the judge's hatreds, learned in England, are ironically contrasted with his British affectations in later life.

A careful observer of behavior, with a fine eye for revealing details, Desai brings her narrative and characters to life, illustrating her themes without making moral judgments about her characters-creating neither saints nor villains, just ordinary people leading the best lives they can, using whatever resources are available. Her characters, like people from all cultures, make sacrifices for their children, behave cruelly toward people they love, reject traditional ways of life and old values, rediscover what is important to them, suffer at the hands of faceless government officials, and learn, and grow, and make decisions, sometimes ill-considered, about their lives. Dealing with all levels of society and many different cultures, Desai shows life's humor and brutality, its whimsy and harshness, and its delicate emotions and passionate commitments in a novel that is both beautiful and wise. Mary Whipple

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
Author : Christopher Howard
Rating : 3 Stars out of 5.
Summary : Great Book!

Hi, I am working at ILISA Language Institute in Costa Rica, San Jose and I just want to say that this book helps our student a lot by giving them helpful tips or by arrange their own travel in Costa Rica. Thanks!

Title : The Peanut Butter Murders
Author : Corinne Holt Sawyer
Rating : 3 Stars out of 5.
Summary : the characters are interesting but the puzzle is faulty

i have enjoyed this series because of ms holts characters but i found the puzzle was simplistic and and easy to solve...i much prefer agatha christie for a more challanging puzzle

Title : Iras, 401(K)s and Other Retirement Plans: Taking Your Money Out (Iras, 401(K)S Other Retirement Plans, 3rd ed)
Author : Twila, Ph.D. Slesnick
Rating : 5 Stars out of 5.
Summary : Excellent even if you're not 59 1/2 years old

This is a great resource--clear, concise, easy to digest, well indexed, and written for the lay person. Knowing the rules for taking money out of your retirement accounts is important even if you're still putting money away--it allows you to make much better decisions about your investments.

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 : 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 : A common sense approach to planning for retirement.

This book should be required reading for people in their 30's and 40's. It emphasizes keeping active, having a wide variety of interests, and developing friends of all ages. It's a good antidote to all those financial planners who try to make you feel guilty about not having "X" millions of dollars invested so they can make commissions off your money. A good gift for middle age yuppies.

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 : 5 Stars out of 5.
Summary : Excellent Contrarian Viewpoint

This book should be required reading for anyone who thinks about retirement, from those just starting out in their 20's and 30's to those nearing retirement. The book is a refreshing, contrarian view to the conventional wisdom of "save tons of money for retirement", "you'll need 70-100% of your current income in retirement", etc., etc., etc. The traditional retirement literature is focused almost exclusively on money, with which Warner takes exception.

Warner's focus is on the whole person - he makes a very compelling argument that money is a FACTOR in a good retirement, but that it is also important to cultivate health, outside interests, friendships and family. He believes these latter factors have a FAR greater influence on a successful retirement than money. He bases this viewpoint on research among those enjoying active, successful retirements.

Warner is not a Pollyanna, saying not to even think about retirement savings (as some critics seem to suggest). The book contains some common sense ideas on savings and admits that having SOME money may help. Warner's point, however, is that money alone isn't going to make you have a successful retirement if you neglected your family, friends, outside interests, spirituality and health in order to get the money.

I highly recommend this book to anyone who ever thinks about retirement. You may not agree with the proposition, but the book will really help expand your view of the elements of a good retirement and may help you plan a more enjoyable life.

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