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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 : General Washington's Christmas Farewell: A Mount Vernon Homecoming, 1783
Author : Stanley Weintraub
Rating : 4 Stars out of 5.
Summary : Goin' South......

Don't be put-off by the cheesy title of this book. Yes...it's obviously a marketing ploy meant to tie in to the holiday season. In any case, Mr. Weintraub has crafted an interesting book. We follow Washington from West Point to Mount Vernon, as he tries to get home for Christmas. Most notably, he stops in New York City, Philadelphia, and Annapolis. In NYC he says farewell to his officers. He also puzzles his subordinates by going to visit a bookseller who is a known Tory sympathizer. (Unknown to Washington's underlings, the man was part of the commander-in-chief's network of spies who kept the general informed of the goings-on during the 1776-1783 British occupation of Manhattan.) In Philadelphia, amongst other things, Washington orders some new spectacles from the noted scientist David Rittenhouse. In Annapolis, Washington returns his commission to Congress, thus making formal his resignation from public service and return to private life. The book is only about 175 pages and can easily be read in a day or two. However, Mr. Weintraub manges to provide a lot of information. Some of it is interesting on a "serious" level - for example, we see Washington at the start of the journey insisting that his departure from public life will be permanent. He made several speeches on the way home, and he constantly stressed that Congress needed strong legislative powers so that it could hold the bickering colonies together. By the time he reached Annapolis, Washington had come to the conclusion that it was going to be an extremely difficult process to turn a loose confederation, which no longer had the "glue" of battling a common enemy, into a true nation. Washington was not being an egomaniac, just realistic, when he came to understand that he was the only person who could be a unifying force. Therefore, when he gave the speech in Annapolis in which he resigned his commission as commander-in-chief he changed the language so as to leave the door open for a later return to public service, if such a thing proved to be necessary...which it did. Washington was remarkably unambitious for someone who was held in such awe. He was, indeed, the man who could have been king. (In his own day, everyone wanted to touch him, as though he were holy. Many years later, people had relics - as though he were a saint. Lincoln had a splinter of Washington's coffin contained in a gold ring he wore. President McKinley had several strands of the great helmsman's hair.) Americans owe Washington an eternal debt that he turned his back on dictatorship. On the lighter side of this book, we see Washington the man - sans wig, so to speak. We see him losing his temper, his pride in his dancing ability, his love of fine wine, etc. We also get to hear about his expense account, where it seems as though he put down every possible item, down to the last pound, shilling, and pence. (He even included tips he had given out to people who had waited on him.) I especially enjoyed the little personal touches that Mr. Weintraub saw fit to include - such as letting us know that the 6'4" Washington slept in a 6'6" bed. The author also tells us about the time that Washington fired a Mount Vernon gardener for getting drunk. Then, when the man expressed remorse and wanted his job back, Washington agreed...but he made the man sign a contract specifying that he could only be in his cups at certain times of the year. For example, he was allowed 4 days of drunkenness at Christmas! The book, on rare occasions, becomes tedious when Mr. Weintraub gives us excerpts from speeches delivered by sundry parties during the various "farewell" dinners. But, for the great majority of the time, this book will hold your interest with its nice balance between the public and the private Washington.

Title : Reverse Mortgages for Beginners: A Consumer Guide to Every Homeowner's Retirement Nest Egg
Author : Ken Scholen
Rating : 5 Stars out of 5.
Summary : Excellent! Great intro to reverse mortgages.

Reverse mortgages allow senior citizens to continue living in their home, while generating a significant amount of cash for living expenses. Author Ken Scholen has put his considerable expertise on reverse mortgages into this basic guide. Whether you're thinking about a reverse mortgage for yourself or for a parent, learn about your options from this objective source, before you hear a banker's sales pitch.

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 : A primer for the novice as well as experienced operators.

I found this book to be succinct without sacrificing the kind of detail that can save hours of research and trial and error. The topics are well-covered and the information is up to the minute. This book will be shared with all departments and be a constant reference point. Well worth the money!

Title : The Retirement Sourcebook
Author : Mary Helen Shuford Smith
Rating : 5 Stars out of 5.
Summary : This book is a buoyant guide to the later years

The Retirement Sourcebook is a buoyant guide to the later years. Loaded with possibilities as well as helpful realities, this book is an invaluable asset in refining your vision of the life you'd most like to lead. The authors are ebullient examples of retirees who have blossomed after leaving the structured workplace. They share their wisdom ("when you have time, you have options") as well as their considerable practical knowledge. And there is no shortage of inspiration with role models cited ranging from Colonel Sanders to Mother Teresa.

The chapter on financial issues alone is worth the price of admission. The authors, experts at "working the web," sift through the mountain of information available for the nuggets that will help you make an informed decision.

If you yearned to see Alaska but considered it too expensive or thought a condo on a golf course would be a tranquil place to live, read this book before you make any decisions.

The Retirement Sourcebook covers nothing less than the entire gamut of human experience from stress and living wills to how to get rid of junk mail.

You'll be referring to it for years to come.

Title : First Days of Retirement: Devotions to Begin Your Best Years
Author : Mary Harwell Sayler
Rating : 5 Stars out of 5.
Summary : An excellent way to start out your retirement years!

I amazed how helpful this book has been as I have entered the next period of my life. As I look at the next ten or twenty years, I am looking for ways to build a new career of Ministry. Since I don't really believe Christians can "retire" in the normal sense, this devotional has been helpful to me as I search out God's call on my life. The author seems to be very sensitive to the process I am going through as I make this adjustment to a new way of life. The use of scripture, comments, prayer, thought-provoking themes, and journally all help create a powerful and balanced journey. The particular theme for each day has usually touched on very relevant issues, and encouraged me to think and pray as I move forward with my life.

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 : Essential Look at How You Must Think and Act to Prosper!

This book deserves more than five stars for its exceptional clarity, authenticity, relevance and eloquence.

Those who love the Rich Dad, Poor Dad books will adore this one. I found it to be the best book in the series since Rich Dad, Poor Dad.

Mr. Robert T. Kiyosaki speaks with the authority of experience. He did retire young at 47 while his wife was 37. At that time, his expected annual income was between $80,000 and $125,000. Many people yearn for early retirement with wealth, mostly because they hate their work. Mr. Kiyosaki was soon back at work, establishing new businesses. Most of his wealth was created after he retired. "I keep working because there are so things that need to be done." So, he has clearly moved from earnings a living, to living a mission of self-expression. That's very wonderful, and I hope you will accomplish the same result!

Although the subtitle says this is "how to" book, it's really more of a "what to think" book. The fundamental concept is to leverage your mind, your plans, your actions, and your priorities to get wealth faster and more easily.

As usual, Rich Dad provides some wonderful quotes. Here are a few of my favorites.

"David could beat Goliath because David knew how to use the power of leverage."

"Cash flow is the most important word in the world of money. The second most important word is leverage."

"Leverage is the reason some people become rich and others do not become rich."

"Because leverage is power, some people use it, some abuse it, and others fear it."

"Getting rich begins with words and words are free."

" . . . do more and more with less and less."

The first books in the Rich Dad, Poor Dad series have been about cash flow. This one shifts over to leverage. Section 1 is about leveraging your mind, section 2 looks at leverage from a plan to retire, section 3 addresses leverage from actions. The book goes on to give you a final exam on your attitudes and a challenging thought to chew on to help get you focused properly: making lots of money with no money to start with.

Now, any book about leverage would normally have lots of pages on how debt leverage works. In fact, that is only a small part of what this book talks about. You will find that discussion in part of chapter 16, which looks at all of the forms of leverage in real estate.

One of the strengths of the book is a fine discussion of how to think about risk and reward. It's not how often you fail, but how big the costs of your failures are compared to the rewards of your successes . . . and your determination to keep trying until you succeed. For instance, 9 out of 10 new businesses fail. But the value of the 1 in 10 that succeed should vastly outweigh the costs of the 9 failures.

The book is excellent in warning you against the risks that you are unconsciously taking. Most people have 100% of their financial futures tied up in government pension and Medicare payments and the stock market. Mr. Kiyosaki correctly points out that this assumption is probably faulty, because there are far more Baby Boomers depending on these two resources than there are resources. One part of the leverage concept is to have more streams of cash flow. He also has excellent ideas on how to reduce risk in your current and potential sources of cash flow.

You are also given a list of good habits to pursue. And top tips from the prior books are repeated in a convenient section near the end of the book.

If you follow the advice in this book, it will be worth more to you and your family than all the other investment and retirement books that you read combined. But you have to take action! Thinking about taking action won't get you there.

I would describe this book as being a lot like Tony Robbins's book, Personal Power, except it is focused effectively on the emotional and mental disciples needed for financial security and investing.

By the way, I have known many people who have retired young with the assistance of being rich. They all embody the principles captured in this book. By contrast, at age 65 only 5 percent of all Americans will be able to afford to live a wealthy life style. Most will be looking for more income. Act now . . . to have a choice of future life style.

Think and live the thoughts that will make you as rich as you want to be! The solutions are there if you look for them.

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