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Author: Frederick Vettese
Publisher: John Wiley & Sons
ISBN: 1119111137
Category : Business & Economics
Languages : en
Pages : 293
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Book Description
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.
Author: Frederick Vettese
Publisher: John Wiley & Sons
ISBN: 1119111129
Category : Business & Economics
Languages : en
Pages : 293
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Book Description
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.
Author:
Publisher:
ISBN:
Category : Finance, Personal
Languages : en
Pages : 0
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Book Description
Author: Frank Cardone
Publisher:
ISBN:
Category :
Languages : en
Pages : 0
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Book Description
Winning Strategies to Make You Enjoy Your Golden Years Transitioning into retirement is not the same as switching jobs. It's a whole different phase of life that you need to be prepared for. If you're about to say goodbye to your 9-5 or you are at any stage of retirement, then this is the book for you! In this comprehensive guide to retirement planning, you'll be equipped with all the knowledge you need to make the most of your retirement. In this book, Frank leaves nothing untouched, sharing: Strategies for maximizing your savings and reducing your expenses Insight into how to generate income in retirement and minimize taxes on your retirement income A breakdown of Social Security, Medicare, and the ACA's Health Insurance Marketplace Tips for choosing the right housing situation and minimizing healthcare expenses Expert advice on how to avoid common pitfalls and create a successful retirement plan But that's not all! This book also covers everything from financial planning with your family in mind to creating a budget for retirement and even enjoying your retirement to the fullest. Don't wait any longer to start planning for your dream retirement. Get a copy now to take early control of your future today!
Author: Sara Zeff Geber
Publisher: Mango Media Inc.
ISBN: 1633537692
Category : Self-Help
Languages : en
Pages : 212
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Book Description
A practical yet humorous guide to aging solo gracefully and achieving a happy retirement. In Essential Retirement Planning for Solo Agers, certified retirement coach Sara Zeff Geber coins the term “Solo Ager” to refer to the segment of society that either does not have adult children or is single and believes they will be on their own as they grow older. This book explores the path ahead for this group. That includes choices in housing, relationships, legal arrangements, finances, and more. Geber reviews the role of adult children in an aging parent’s world and suggests ways in which Solo Agers can mitigate the absence of adult children by relationship building and rigorous planning for their future. Geber shares her expertise on what constitutes a fulfilling older life and how Solo Agers can maximize their opportunities for financial security, physical health, meaning and purpose in the second half of life, and, finally, planning for the end game. Through real-life stories and anecdotes, the author explores housing choices, relationships, and building a support system. You will learn about: · different levels of care and independence in various types of living arrangements · how to initiate discussions among friends and relatives about end-of-life treatment · “what if” scenarios · who to talk to about legal and financial decisions And it’s not just the Solo Ager that can learn from this book. Financial advisors, elder law and estate attorneys, senior care managers, and others whose clientele is on the far side of sixty will benefit as well.
Author: Jane Bryant Quinn
Publisher: Simon and Schuster
ISBN: 1476743770
Category : Business & Economics
Languages : en
Pages : 384
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Book Description
"With How to Make Your Money Last, you will learn how to turn your retirement savings into a steady paycheck that will last for life. Today, people worry that they're going to run out of money in their older age. That won't happen if you use a few tricks for squeezing higher payments from your assets--from your Social Security account (find the hidden values there), pension (monthly income or lump sum?), home equity (sell and invest the proceeds or take a reverse mortgage?), savings (should you buy a lifetime annuity?), and retirement accounts (how to invest and--critically--how much to withdraw from your savings each year?). The right moves will not only raise the amount you have to spend, they'll stretch out your money over many more years. You will also learn to look at your savings and investments in a new way. If you stick with super-safe choices the money might not last. You need safe money to help pay the bills in your early retirement years. But to ensure that you'll still have spending money 10 and 20 years from now, you have to invest for growth, today. Quinn shows you how. At a time when people are living longer, yet retiring with a smaller pot of savings than they'd hoped for, this book will become the essential guide"--
Author: Matt Kingsley
Publisher: Matt Kingsley
ISBN:
Category : Business & Economics
Languages : en
Pages : 84
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Book Description
Are you ready to transform your golden years from a time of uncertainty to a period of adventure, relaxation, and prosperity? The "Retirement Planning Guide Book" is your comprehensive roadmap to achieving a retirement beyond your wildest dreams. Crafted with the expertise of leading retirement planning authority, this guide cuts through the financial jargon to deliver punchy, no-nonsense strategies that work. Whether you're just starting to think about retirement or are on the brink of your retirement years, this book is an indispensable tool that will empower you to take control of your future. Inside, You’ll Discover: Solid Foundations: How to build a financial foundation that stands the test of time, ensuring your retirement savings grow and are protected against market volatility. Income Mastery: Strategies to guarantee a steady income flow in retirement, adapting to your lifestyle needs without the fear of running out. Tax Savvy: Insider tips on navigating taxes to maximize your income, making the tax system work for you, not against you. Healthcare Hacks: Practical advice on managing healthcare costs, ensuring you have the coverage you need without draining your savings. Estate Essentials: Straightforward guidance on estate planning to safeguard your legacy and ensure your wishes are honored. Lifestyle Design: Tips on how to craft the retirement lifestyle you’ve always dreamed of, from travel to hobbies to spending time with loved ones. Tech Tools: Leveraging technology for smarter retirement planning and maintaining an active, engaged lifestyle. Flexibility Frameworks: Adapting to changing circumstances with ease, ensuring that your retirement plan is as dynamic as life itself. Legacy Building: Creating a lasting impact that reflects your values and contributions, benefiting your loved ones and causes close to your heart. Why "Retirement Planning Guide Book" is a Must-Read: Actionable Advice: Each chapter concludes with practical wealth retirement ideas, providing actionable steps to implement immediately. Adaptable Strategies: Tailored advice that fits a wide range of financial situations, from modest savings to substantial nest eggs. Real-World Examples: Insightful anecdotes and examples that illustrate key concepts, making complex ideas accessible and relatable. Expert Insights: Benefit from the distilled wisdom of top retirement planning experts, presented in a straightforward, engaging style. Transform Your Retirement Planning Today The "Retirement Planning Guide Book" is more than just a book; it's your partner in crafting a retirement that's as fulfilling and rewarding as the years you've spent working towards it. Say goodbye to uncertainty and hello to a future filled with possibility, stability, and joy. Grab your copy today and take the first step towards a retirement that’s not just good, but great.
Author: Wade Pfau
Publisher:
ISBN: 9781945640179
Category :
Languages : en
Pages : 0
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Book Description
Author: Dennis J. Dunn
Publisher: Xlibris Corporation
ISBN: 9780738825380
Category : Finance, Personal
Languages : en
Pages : 0
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Book Description
Retirement Guide for Teachers, Professors, and Academic Administrators is an easy-to-follow, commonsense approach to retirement planning. Its practical, clear steps are basic building blocks for the future for people of any age and any profession, but Dr. Dennis J. Dunn has specifically tailored the book for teachers and others involved in the educational profession. Nonetheless, it is a general guide, which helps anyone with his or her retirement plans and dreams. It is a serious book, but it tries occasionally to be humorous by discussing the mistakes, pitfalls, and misinterpretations of retirement planning of a fictional character that Dr. Dunn created (Mr. Schitnihil), who appears whimsically at the end of each step or section to describe his experience, to offer advice, or to tell a joke or story--all for the purpose of serving as an example of what not to do. The book is divided into five chapters. The first chapter outlines the assumptions of the retirement guide. The second chapter discusses the preparatory steps that should be in place to develop an effective retirement approach and, ultimately, an enjoyable retirement. The third chapter takes up the strategies that young people should develop to prepare for retirement. The fourth chapter looks at the strategies for older persons. Naturally there is some overlap between chapters three and four. Chapter five explores the world of retirement: what to do and where to go. The end of the book has sections on additional reading and worksheets. Individuals are different, and their circumstances vary. The strategies that are described in this retirement guide are really only suggestions. Individuals can pick and choose from among them. In some cases, the steps are not dependent upon one another and thus can and often do stand alone, so it is not necessary to try to pursue all the listed approaches. In other cases, they are very much interrelated. For example, the guide stresses that saving is important. That activity can stand alone. The book also emphasizes that investing is critical, but it cautions that good investment is dependent upon prior study and research in order to ensure that your investment is protected and produces a profitable return. Retirement can be a joy and an opportunity to do what you have always wanted to try, from traveling to painting to gardening to golfing to singing to writing poetry. Plan properly and retirement will be the best time of your life. Failure to plan or to plan poorly will likely lead to disappointment and dependency. This books provides practical advice on retirement planning. It is based upon experience and it offers counsel to those who are just starting out in their profession, who are mid-way through their careers, who are on the verge of retiring, and, finally, who have retired. It is a wonderful, humorous primer that will introduce you to the world of an enjoyable retirement.
Author: Joel Kranc
Publisher: Sourcebooks, Inc.
ISBN: 1623154790
Category : Business & Economics
Languages : en
Pages : 196
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Book Description
Need to start thinking about retirement but don't know where to start? Retirement Planning in Easy 8 Steps is a quick and easy way to start learning about retirement planning, helping you envision your ideal retirement and how to get there through investment planning, maximizing social security benefits and the other basics central to sound financial planning for retirement. Retirement Planning in 8 Easy Steps includes: 8 steps to help you reach your financial goals and achieve your dream lifestyle Straightforward strategies for building a secure savings plan Useful worksheets to help you stay on track and meet your goals Charts, terms & resources that simplify investing and budgeting Start your retirement planning today with these basic but essential strategies explained clearly by award-winning financial journalist Joel Kranc.
Author: David Hays; Doug Hughes
Publisher: AuthorHouse
ISBN: 1496968794
Category : Business & Economics
Languages : en
Pages : 164
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Book Description
“The word ‘retirement’ for today’s retirees and soon-to-be retirees means exactly the opposite of what it meant for our parents and grandparents. It now means beginning rather than stopping. What will your next beginning be? Today’s Guide to Retirement Planning, a resource for adults ages fifty and over, helps you figure it out. This is a book that actually forces you to prioritize by taking you through a personal and financial inventory to create a plan that you will follow because it’s your plan. The section on the big ten major financial planning roadblocks is, by itself, worth the price of admission and invaluable for everyone. This book will guide you with practical advice not only on tax, investment, and estate planning but also in coordinating that with your own personal wish list for your next beginning.” —Ed Slott, CPA, founder of www.irahelp.com “Baby boomers are reinventing retirement. In Today’s Guide to Retirement Planning, financial advisers David Hays and Doug Hughes offer important guidelines for adults on the cusp of this unchartered territory. Throughout our working lives, we tend to focus on how much money we need to save for retirement. But little attention is given to how we will spend our time once we get there. David Hays offers some thoughtful questions to help preretirees envision their next chapter, how to pay for it, and how to adapt if plans change. It’s essential reading for future retirees.” —Mary Beth Franklin, contributing editor, InvestmentNews
