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

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 : The Golden Door to Retirement and Living in Costa Rica: A Guide to Inexpensive Living in a Peaceful Tropical Paradise
Author : Cristobal 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 : Modern Dutch Studies: A Volume of Essays in Honour of the Retirement of Peter King
Author :
Rating : 4 Stars out of 5.
Summary : An interesting collection of essays on Modern Dutch Studies

This book was published in honour of Professor Peter King who retired from the University of Hull. This book is a collection 20 essays falling into four general areas of Modern Dutch Studies: Language and Translation (5), Literature (8), Social Sciences (5) and Visual Arts(2). Each essay is written by a well-known expert in the field from various institutions such as University College London, University of Hull and the University of Leiden. There is a surprisingly wide range of topics, such as the use of CALL, Old High German in Ghent, Proper Nouns, Marxism in the Dutch Trade Union Movement, Political Culture in Belgium and Art Criticism.

This book is a very good read for those who are reading Dutch Studies or have a general interest in the topics. Overall I have found the book easy to read and it has provided me with lots of useful information too.



Title : Senior Living Communities: Operations Management and Marketing for Assisted Living, Congregate, and Continuing-care Retirement Communities
Author : Benjamin W. Pearce
Rating : 5 Stars out of 5.
Summary : Should be required reading for all in elder care!!

I used Mr. Pearce's book as a guide in preparing my presentation at our dept. mgr. retreat last week (giving him credit of course!). As a result, a board member and a fellow dept mgr. ordered their own copies of this book. All-inclusive, professional approaches. I'm surprised--and grateful--that Mr. Pearce shares his expertise so openly. It's refreshing to observe an author whose goal is to raise the bar for quality of care for the elderly, and help his competition achieve same through his generosity in sharing his own experience/knowledge. I'd give away every book in my library before I'd give up this one!!



Title : Secure Your Future: Financial Planning at Any Age (Successful Business Library)
Author : Chuck Tellalian
Rating : 3 Stars out of 5.
Summary : Shows how debt affects net worth

The very good chapter here on determining your net worth helps emphasize the effect of debt on your planning and projections.
Michael Pellecchia



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.



1. Welcome to Independence Village: Oxford
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Retirement Village Apartments. Assisted Living. Convalescent & Respite Care. Care Home ... to the beautiful City of Oxford, Letcombe is easily accessible from ...

3. Oxfordshire Properties: Property for Rent in Oxfordshire
Tudor Close, Iffley Village, Oxford ... Shotover Estate, Wheatley, Oxford, Oxfordshire ... Situated in the heart of this popular village on the edge of North Oxford. ...

4. Property for sale Oxford - Houses to buy Oxford
2 Retirement flat. 20 Retirement property. 202 Semi-detached house ... Property for sale in Marston, Oxford. Property for sale in North Hinksey Village, Oxford ...

5. Oxford Properties: Property for Rent in Oxford, Oxfordshire
James Street, Oxford City, Oxford ... Tudor Close, Iffley Village, Oxford ... Situated in the heart of this popular village on the edge of North Oxford. ...

6. Table DP-1. Profile of General Demographic Characteristics: 2000 ...
Geographic area: Oxford village, New York ... 14. 2.4. Mean public assistance income (dollars) 1. 1,800 (X) With retirement income. ...

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8. Retirement Living > Maple Knoll Village
Retirement Living&nbsp6. Maple Knoll Village. Accessibility (increase text size) ... Maple Knoll Village is a Continuing Care Retirement Community (CCRC) dating back ...

9. Rightmove - Property for sale in - Oxford
North Hinksey Village, Oxford. Offers in Excess of £2,000,000 ... Retirement properties(26) Non-retirement properties(1000+) Part buy, part rent(37) ...

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Care home and nursing home facilities at Letcombe Regis in Oxfordshire ... Retirement Village Apartments. Assisted Living. Convalescent & Respite Care. Care Home ...

11. Retirement homes managed by Oxford City Council
UK directory of sheltered housing, sheltered accommodation, retirement homes, extra care, assisted living, close care homes and retirement villages, for elderly ...

12. Anchor Trust - Anchor 2020
... sheltered housing as Help the Aged (Oxford) Housing Association. ... Denham Garden Village, our award-winning retirement village in Buckinghamshire. ...

13. Retirement Villages Association New Zealand
The <strong>RVA</strong> is a national body that works to represent, protect and promote the interests ... Village. PO Box 127. Martinborough. 26 Oxford Street ...

14. Lovat Fields Retirement Village
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16. St Crispin Retirement Village
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17. Retirement Villages In Queensland (QLD) Australia
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19. OFAG ~ Oxford Falls Action Group
Oxford Falls Action Group (OFAG) works towards the protection and preservation ... will mean protection from the likes of the retirement village proposal still ...

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... situated for the bars and restaurants of Ocean Village and Oxford Street. ... situated in a purpose-built secure retirement complex that incorporates ...

21. PROPOSED RETIREMENT VILLAGE AT 87 WEARDEN RD OXFORD FALLS (2004-1402DA)
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22. Net Information Services - Retirement & Nursing Homes
A pleasant village location close to all shops. Brackenwood Nursing Home - Dunmurry, Belfast ... Brookfield Christian Care Home - Oxford. Tel: 01865 779888 ...

23. Retirement Village Rental Details
The village's clubhouse overlooks a lake full of fish, with an ... Oxford Crest Beachmere offers 64 comfortable 1-bedroom units, each with a private carport. ...

24. Oxford Business & Services Directory - Finder.co.uk
Retirement Homes (1) Sheltered Housing (12) Go to Top. Motoring ... Leave comment for this town/village. Please enter Your name and Your comment. Your name: ...

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I hope he has a good and relaxing retirement (Report, August 22). Most read. Comments ... Land deal splits village. 5. Man dies after M40 crash. 6. Riverside ...

26. Retirement Communities in Michigan
Retirement Living lists Michigan retirement communities, ... Oxford, MI 48371 -- E-mail us -- 800-579-0922. Petoskey. Independence Village (Visit our site) ...

27. Village at the Park
... other facilities including two retirement villages and two aged care facilities ... Canterbury, Oxford Court Resthome in Dunedin and Alexandra Resthome in ...

28. GenQ
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29. LifeSphere
LifeSphere Home ... retirement communities of Maple Knoll Village and the Knolls of Oxford, Senior ... a new addition added to The Maple Knoll Village campus. ...

30. Sandford-on-Thames Village Magazine on line - Village Appraisal ...
... does not become either a retirement village or yet another dormitory settlement ... Sandford village is close enough to Oxford & other business centres which will ...

31. Witney: haven for the retired? (From Oxford Mail)
Oxford Mail - Oxford and Oxfordshire news coverage. Comprehensive local Oxfordshire ... A RETIREMENT village could be built on land next to the Witney bypass. ...

32. Village post office closes after 100 years (From Oxford Mail)
Oxfordshire news, archive, local information, picture galleries, breaking news, ... And we can't wish Peter a happy retirement because we don't want him to go. ...

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Colour TV & Stand £20 Oxford Private. 20" Philips Colour TV on stand. Good Condition. ... `Weebleville` village with all charactors. Excellent condition. More ...

34. Oxford/Berkeley Program Summer 2009 Courses | The English Village: Some ...
... in Oxford/Berkeley Program of residential study at Merton College at Oxford University entitled The English Village: Some ... where he lives in retirement. ...

35. cropredyvillage.info
The Oxford Canal and the River Cherwell both flow in parallel through this ancient village. ... was recently closed on the retirement of the Postmaster and his ...

36. The Knolls of Oxford | Choosing a Retirement Community
... Oxford we understand that choosing a retirement ... retirement community, such as The Knolls of Oxford or our sister community, Maple Knoll Village. ...

37. Daily Info - Your Guide to Oxford, UK
West Oxford. Retirement flat within pleasant grounds of Oaken Holt care home. ... 3 bedroom house in a desirable village location offered for sale privately by ...



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