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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 : You've Earned It, Don't Lose It: Mistakes You Can't Afford to Make When You Retire
Author : Suze Orman
Rating : 1 Stars out of 5.
Summary : The math is wrong

The time value of money analysis in this book does not take into account that money has time value and thus the results of the studies Orman presents are biased in the wrong direction. Also the rate of inflation of 5% is too high based on current and past values. This also biases the results. It is funny to see the results of her long term care insurance policy analysis. According to Orman, the insured pays in $1,255 each year for 30 years and alternately if they had not taked the policy get no credit for the compound growth rate this money would earn had not they taken the policy. It makes a huge different that was not considered Also there is a chart that shows a comparison of 5% simple and compound interest on an inflation rider. Certainly, inflation is not a simple interest growth rate. The data of Orman's table make no sense whatsoever and certainly have no bearing on the long term care policy decision.

Title : 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.

Title : Bankroll Your Future: How to Get Most from Uncle Sam for Your Retirement Years - Social Security, Medicare and Much More
Author : Ellen Hoffman
Rating : 5 Stars out of 5.
Summary : Great book! Easy to understand, no-nonsense financial tips.

I enjoyed this book a great deal. Finally, an easy-to-follow guideline for those of us who might be overwhelmed by our future financial affairs. I bought copies for several friends.

Title : Rich Dad's Retire Young, Retire Rich: How to Get Rich Quickly and Stay Rich Forever! (Rich Dad)
Author : Robert T. Kiyosaki
Rating : 5 Stars out of 5.
Summary : EXCELLENT!!!!

I have just finished reading this book and it was absolutely fantastic. I must admit that some of it was alittle tough going but stick it out it is well worth it.
I read this book and was left feeling more inspired than I have ever before. It has completely changed my way of thought and I have already started buying the other books to continue learning rich dad's way of thought, anything is possible if you believe it is. I WILL be rich!!

Title : The Joy of Not Working: A Book for the Retired, Unemployed, and Overworked
Author : Ernie J. Zelinski
Rating : 5 Stars out of 5.
Summary : One of Top 3 books on business I've ever read

Even though the Joy of Not Working is technically not a business book, I'd lump it in that category nonetheless. I've read what seems like a gazillion books and I have to rate this little jewel as one of the three best business/lifestyle books I've ever read (the other two are Hawkins' Growing a Business and Lancaster's Secret Money Machine)--it's filled with wit and humor and tons of little tips. I've read it three times and Zelinski seems to add stuff between each reading. Enlighted guy!

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.

Title : How to Retire Rich: Time-Tested Strategies to Beat the Market and Retire in Style
Author : James P. O'Shaughnessy
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?

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