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The 5 Years Before You Retire

Author: Emily Guy Birken
Publisher: Simon and Schuster
ISBN: 1440569738
Size: 43.41 MB
Format: PDF, ePub
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A comprehensive guide to planning your retirement before it's too late! Even though half of all Americans put money aside for retirement, it isn't until they reach their sixties that many realize that they haven't saved enough. With The Five Years Before You Retire, you'll hone in on what you need to do in the next five years to maximize your current savings and create a realistic plan for your future. This book guides you through each financial, medical, and familial decision, from taking advantage of the employer match your company offers for your 401k program to enrolling in Medicare to discussing housing options with your family. Covering every aspect of retirement planning, these straightforward strategies explain in detail how you can make the most of your last few years in the workforce and prepare for the future you've always wanted. Whether you just started devising a plan or have been saving since your first job, The Five Years Before You Retire will show you what you need to do now to ensure that you live comfortably for years to come.

How To Retire Happy The 12 Most Important Decisions You Must Make Before You Retire Third Edition

Author: Stan Hinden
Publisher: McGraw Hill Professional
ISBN: 0071712984
Size: 19.24 MB
Format: PDF, Docs
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"Want excellent insights on retirement planning from a professional who’s actually experienced retirement himself? You’ll get just that from Stan Hinden’s book, How to Retire Happy, now in its third edition. Stan was a Washington Post financial reporter for 20 years, and after he retired, he wrote the Post’s 'Retirement Journal' column for which he was nominated for a Pulitzer Prize. What I like about Stan’s book is that it combines good financial planning information with his story about his own retirement. He’s candid about the mistakes he made and how he’d do things differently with the benefit of hindsight." --Steve Vernon, columnist, CBSMoneyWatch.com “Everyone in the workforce today should read this book!” —Horace B. Deets, former Executive Director, AARP Award-winning Washington Post retirement columnist Stan Hinden’s bestselling How to Retire Happy helps you decide if you can retire now, or whether you have to stay on the job for a few more years. This trusted guide has been fully updated to address the stomachchurning issues created by financial market volatility and the economic recession. Will you have enough money for health care? Do you need—and can you afford—a longterm care policy? How much income can your savings produce? The third edition of How to Retire Happy provides answers to these questions—plus all-new information about: A new menu of Medigap insurance policies New strategies for maximizing Social Security income Making your money last through a long retirement Apply Hinden’s reliable, easy-to-understand advice and experience a happy, healthful retirement for years and years to come.

Making Social Security Work For You

Author: Emily Guy Birken
Publisher: Simon and Schuster
ISBN: 1440593388
Size: 41.72 MB
Format: PDF, ePub
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Featured in The Washington Post An up-to-date guide to getting the most out of Social Security under the new regulations that took effect on April 29, 2016. Despite reports of Social Security's impending bankruptcy, Social Security remains an important part of most Americans' retirement plans. But will it be enough? Making Social Security Work for You teaches you what you need to know about Social Security retirement benefits and the options you can choose to help meet your retirement goals. In straightforward, easy-to-understand language, this compact guide provides advice on the advantages and disadvantages of delaying benefits as well as the best ways to maximize your benefits depending on your financial or marital situation. Featuring a glossary of terms to help you better understand Social Security jargon; a full explanation on how the system works under the new regulations that took effect on April 29, 2016; and practical, actionable advice on how and when to save additional retirement funds, this book shows you how to make your retirement the best it can possibly be. "Guy Birken brings her breezy style to explaining a system that can be mind-numbing." --The Washington Post

The Engineer S Career Guide

Author: John A. Hoschette
Publisher: John Wiley & Sons
ISBN: 0470530162
Size: 36.39 MB
Format: PDF, Kindle
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This is the most complete career resource guide book for engineers dealing with the non-technical side of engineering. It provides career advice for engineers at all stages of their careers, whether newly graduated, mid-career, or soon-to-be-retired. This book provides many real world, practical, proven, common sense career tips supported by actual work and experiences/examples. Tips deal with problems the engineer may encounter with supervisors, co-workers and others in the corporation. The book provides step-by-step guidance on how to deal with career problems and come out ahead.

Ernst Young S Retirement Planning Guide

Author: Ernst & Young
Publisher: John Wiley & Sons
ISBN: 9780471083382
Size: 38.21 MB
Format: PDF, Mobi
View: 340
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Explains the rules of retirement planning, discusses portfolios and IRAs, and provides information on resources and Internet sites.

The New Working Woman S Guide To Retirement Planning

Author: Martha Priddy Patterson
Publisher: University of Pennsylvania Press
ISBN: 9780812217032
Size: 27.87 MB
Format: PDF, ePub
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An attorney specializing in employment benefits offers practical advice and usable solutions to women and gives up-to-the-minute information on new retirement planning options. 28 tables.

Personal Financial Planning

Author: Lawrence J. Gitman
Publisher: Cengage Learning
ISBN: 128563313X
Size: 26.17 MB
Format: PDF, Docs
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Knowing what to do with your money is more important than ever. Gitman/Joehnk/Billingsley’s market-leading PERSONAL FINANCIAL PLANNING, 13E, provides students with the tools, techniques, and understanding they need to define and achieve their financial goals. The book follows a life-cycle approach--addressing financial plans, assets, credit, insurance, investment, and retirement--as individuals and families progress through life. The latest updates reflect the most recent financial developments and research--from new tax laws and the latest financial data to professional financial advice that considers the impact of the recent global financial crisis. The 13th edition is packed with new information relevant to today’s students--for example, changing spending habits for the better, knowing the right questions to ask a financial adviser, using tips on budgeting and planning for retirement, knowing what to look for when choosing a bank, knowing whether to buy or lease a car, knowing what’s important when buying your first home, and choosing the right credit card. All-new features teach you to use today’s critical financial tools and technology, including financial planning software. CFP practice questions provide valuable practice. The CengageNOW online learning system helps you complete your homework and achieve the grade you want. Important Notice: Media content referenced within the product description or the product text may not be available in the ebook version.

The Essential Retirement Guide

Author: Frederick Vettese
Publisher: John Wiley & Sons
ISBN: 1119111137
Size: 57.28 MB
Format: PDF, ePub, Mobi
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Retirement planning is difficult enough without having to contend with misinformation. Unfortunately, much of the advice that is dispensed is either unsubstantiated or betrays a strong vested interest. In The Essential Retirement Guide, Frederick Vettese analyses the most fundamental questions of retirement planning and offers some startling insights. The book finds, for example that: Saving 10 percent a year is not a bad rule of thumb if you could follow it, but there will be times when you cannot do so and it might not even be advisable to try. Most people never spend more than 50 percent of their gross income on themselves before retirement; hence their retirement income target is usually much less than 70 percent. Interest rates will almost certainly stay low for the next 20 years, which will affect how much you need to save. Even in this low-interest environment, you can withdraw 5 percent or more of your retirement savings each year in retirement without running out of money. Your spending in retirement will almost certainly decline at a certain age so you may not need to save quite as much as you think. As people reach the later stages of retirement, they become less capable of managing their finances, even though they grow more confident of their ability to do so! Plan for this before it is too late. Annuities have become very expensive, but they still make sense for a host of reasons. In addition, The Essential Retirement Guide shows how you can estimate your own lifespan and helps you to understand the financial implications of long-term care. Most importantly, it reveals how you can calculate your personal wealth target - the amount of money you will need by the time you retire to live comfortably. The author uses his actuarial expertise to substantiate his findings but does so in a jargon-free way.

Plan Your Prosperity

Author: Kenneth L. Fisher
Publisher: John Wiley & Sons
ISBN: 1118516095
Size: 42.99 MB
Format: PDF, ePub, Docs
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Whether you’re in retirement, just getting ready toretire, or 5, 10, or 40 years out, this book can help you investsmarter your whole life and yes, plan better forretirement. Harmful mythology abounds about retirement investing.Many retirees or soon-to-be retirees have heard a plethora ofadvice. Take 100 (or 120) and subtract your age to get your equityallocation, put the rest in bonds or cash. Buy only bonds.Buy only high dividend stocks. Or some combination! Buyequity-indexed annuities or some “guaranteed” incomeproduct. All examples of a potentially harmful myth many folksbelieve to be smart, strategic moves. Investors believe preparing for retirement requires a radicallydifferent set of tools or a dizzying array of products. Navigatingthe world of retirement products and services can be a full-timejob. But investing for retirement is, in practice, not much (if atall) different from investing. In Your Retirement Plan, KenFisher will give readers a workable strategy to either developtheir own retirement investing plan or work more successfully witha professional to increase the likelihood of achieving long-termgoals while avoiding common pitfalls. The book will includeeasy-to-follow steps like How to think, correctly, about investing time horizon. How to better figure how much income you need How to determine if a portfolio can provide that income How to figure how much to save each year to achieve retirementgoals What pitfalls to avoid And more. . . . In this retirement planning book that's not just for retirees,Fisher will hand readers the tools and confidence they need tobetter plan for the future.

Making The Most Of Your Money Now

Author: Jane Bryant Quinn
Publisher: Simon and Schuster
ISBN: 9781416553526
Size: 39.28 MB
Format: PDF, ePub
View: 7095
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Named the best personal finance book on the market by Consumers Union, Jane Bryant Quinn's bestseller Making the Most of Your Money has been completely revised and updated to provide a guide to financial recovery, independence, and success in the new economy. Getting your financial life on track and keeping it there -- nothing is more important to your family and you. This proven, comprehensive guidebook steers you around the risks and helps you make smart and profitable decisions at every stage of your life. Are you single, married, or divorced? A parent with a paycheck or a parent at home? Getting your first job or well along in your career? Helping your kids in college or your parents in their older age? Planning for retirement? Already retired and worried about how to make your money last? You'll find ideas to help you build your financial security here. Jane Bryant Quinn answers more questions more completely than any other personal-finance author on the market today. You'll reach for this book again and again as your life changes and new financial decisions arise. Here are just a few of the important subjects she examines: • Setting priorities during and after a financial setback, and bouncing back • Getting the most out of a bank while avoiding fees • Credit card and debit card secrets that will save you money • Family matters -- talking money before marriage and mediating claims during divorce • Cutting the cost of student debt, and finding schools that will offer big "merit" scholarships to your child • The simplest ways of pulling yourself out of debt • Why it's so important to jump on the automatic-savings bandwagon • Buying a house, selling one, or trying to rent your home when buyers aren't around • Why credit scores are more important than ever, plus tips on keeping yours in the range most attractive to lenders • Investing made easy -- mutual funds that are tailor-made for your future retirement • What every investor needs to know about building wealth • How an "investment policy" helps you make wise decisions in any market • The essential tax-deferred retirement plans, from 401(k)s to Individual Retirement Accounts -- and how to manage them • How to invest in real estate at a bargain price (and how to spot something that looks like a bargain but isn't) • Eleven ways of keeping a steady income while you're retired, even after a stock market crash • Financial planning -- what it means, how you do it, and where to find good planners Page by page, Quinn leads you through the pros and cons of every decision, to help you make the choice that will suit you best. This is the single personal-finance book that no family should be without.