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Author: Teresa Ghilarducci
Publisher: Workman Publishing
ISBN: 0761186131
Category : Business & Economics
Languages : en
Pages : 145
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Book Description
Here is a single-sit read than can change the course of your retirement. Written by Dr. Teresa Ghilarducci, an economics professor, a retirement and savings specialist, and a trustee to two retiree health-care trusts worth over $54 billion, How to Retire with Enough Money cuts through the confusion, misinformation, and bad policy-making that keeps us spending or saving poorly. It begins with acknowledging what a person or household actually needs to have saved—the rule of thumb is eight to ten times your annual salary before retirement—and how much to expect from Social Security. And then it delivers the basic principles that will make the money grow, including a dozen good ideas to get current expenses under control. Why to “get rid of your guy”—those for-fee (or hidden-fee) financial planners that suck up valuable assets. Why it’s always better to pay off a loan or a mortgage. There are no gimmicks, no magical thinking—just an easy-to-follow program that works.
Author: Teresa Ghilarducci
Publisher: Workman Publishing
ISBN: 0761186131
Category : Business & Economics
Languages : en
Pages : 145
Get Book Here
Book Description
Here is a single-sit read than can change the course of your retirement. Written by Dr. Teresa Ghilarducci, an economics professor, a retirement and savings specialist, and a trustee to two retiree health-care trusts worth over $54 billion, How to Retire with Enough Money cuts through the confusion, misinformation, and bad policy-making that keeps us spending or saving poorly. It begins with acknowledging what a person or household actually needs to have saved—the rule of thumb is eight to ten times your annual salary before retirement—and how much to expect from Social Security. And then it delivers the basic principles that will make the money grow, including a dozen good ideas to get current expenses under control. Why to “get rid of your guy”—those for-fee (or hidden-fee) financial planners that suck up valuable assets. Why it’s always better to pay off a loan or a mortgage. There are no gimmicks, no magical thinking—just an easy-to-follow program that works.
Author: Hazel Bateman
Publisher: Cambridge University Press
ISBN: 9780521484718
Category : Biography & Autobiography
Languages : en
Pages : 278
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Book Description
Forced Saving, first published in 2001, offers an analysis of pension policy from an economic perspective. It begins with an overview of the problem of population ageing around the world, and then provides a framework within which policy responses may be consistently assessed. It focuses on the 'mandating' approach to retirement income policy, in which governments are compelling individuals - or their employers - to take on this responsibility, at least in part. The role of government becomes limited to one of mandating contributions from wages, along with regulating private fund managers to a greater or lesser extent. The authors explore the implications of introducing such a policy reform. They argue that while there is no universal agreement on the relative costs and benefits of this policy approach, there are often some advantages to moving at least some distance down the mandating path.
Author: Meir Statman
Publisher:
ISBN:
Category :
Languages : en
Pages : 12
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Book Description
Nudges toward voluntary defined-contribution retirement savings have moved many non-savers into savings but have left many behind. I argue that it is time to switch from libertarian-paternalistic nudges to fully paternalistic shoves. I draw on evidence from the United States and other countries to advocate a retirement savings solution centered on a paternalistic second layer of mandatory private defined-contribution savings accounts in a retirement savings pyramid, above the paternalistic first layer of Social Security and below the libertarian third layer of voluntary savings.
Author: John C. Suttle
Publisher:
ISBN: 9781413305371
Category : 401(k) plans
Languages : en
Pages :
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Book Description
IRAs, 401(k)s & Other Retirement Plans helps you make sense of the rules that govern distributions from retirement plans, and avoid the stiff penalties that lurk in the fine print. It covers the different types of retirement plans -- including 401(k)s and other profit-sharing plans, Keoghs, IRAs and tax-deferred annuities -- and the taxes and penalties that can deplete your nest egg.
Author: United States. Congress. House. Select Committee on Aging
Publisher:
ISBN:
Category : Age and employment
Languages : en
Pages : 64
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Book Description
Author: Paul J. Graney
Publisher: Nova Publishers
ISBN: 9781590339077
Category : Business & Economics
Languages : en
Pages : 176
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Book Description
Individual retirement accounts (IRAs), established by the Employee Retirement Income Security Act of 1974 (PL 93-406) to promote retirement saving, were limited at first to workers (and spouses) who lacked employer pension coverage. Income tax was deferred on both contribution and investment earnings. Annual contributions were limited to the smaller of $1,500 or 15% of earnings. Eligibility was expanded to all workers and their spouses by the Economic Recovery Tax Act of 1981 (PL 97-34). Annual contributions were limited to the smaller of $2,000 or 100% earnings. The Tax Reform Act Reform Act of 1986 (PL 99-514) continued tax deferral for IRA earnings, but it limited tax deferrals for contributions to those from: (1) tax filers with no employer plan (for either spouse); and (2) filers with employer pension coverage but whose adjusted gross income (AGI) is below specified limits. The Taxpayer Relief Act of 1997 (PL 105-34) increased these AGI limits, allowed penalty-free early withdrawals for higher education expenses and first-home purchases, and authorised a new 'Roth IRA' to provide tax-free income from after-tax contributions and untaxed investment earnings. This book reviews the key details concerning these legal arrangements for retirement.
Author:
Publisher:
ISBN:
Category : Old age pensions
Languages : en
Pages : 30
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Book Description
Author: Jimmy Fernandez
Publisher: Emereo Publishing
ISBN: 9781488543753
Category : Business & Economics
Languages : en
Pages : 200
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Book Description
Retirement is the point wherever a individual halts service totally. A individual might as well semi-retire by decreasing work hours. There has never been a Retirement Guide like this. It contains 252 answers, much more than you can imagine; comprehensive answers and extensive details and references, with insights that have never before been offered in print. Get the information you need--fast! This all-embracing guide offers a thorough view of key knowledge and detailed insight. This Guide introduces what you want to know about Retirement. A quick look inside of some of the subjects covered: Ralph Bakshi - Return to film, continued television projects and retirement (1990-1997), Retirement plan - Benefits, Registered Retirement Savings Plan - Lifelong Learning Plan, Christiaan Barnard - Retirement, Retirement plan - Defined contribution plans, Tim Buck - Retirement and death, E. E. Smith - Retirement and late writing, Retirement Retirement calculators, Ralph Bakshi - Unproduced projects and temporary retirement (1983-1986), Stone Cold Steve Austin - Final feuds and retirement (2003-2004), Intel Corporation - Leadership and corporate structure, Avery Brundage - Retirement and death, Employee Retirement Income Security Act of 1974 - Non-ERISA status and bankruptcy, Individual retirement account - Protection from creditors, Garry Kasparov - Retirement from chess, Augustus De Morgan - Retirement and death, Retirement Size of lump sum required, Johnny Carson - Post-retirement appearances, Stephen King - Car accident and thoughts of retirement, Wesley Clark - Retirement, Mandatory retirement - United Kingdom, Mandatory retirement - Canada, Morarji Desai - Retirement and death, Garry Kasparov - Post-retirement chess, William O. Douglas - Retirement, Survey of Health, Ageing and Retirement in Europe - Wave 1 (2004), Bruce Archer - Retirement, Hurricane Katrina - Retirement, Evan Bayh - Retirement, and much more...
Author: Ted Benna
Publisher: John Wiley & Sons
ISBN: 1119817269
Category : Business & Economics
Languages : en
Pages : 354
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Book Description
From the basics down to investing, get the most out of your 401(k) and IRA in any economic environment When you’re ready to start setting aside (or withdrawing) money for your retirement—whenever that might be—401(k)s & IRAs For Dummies is here for you! It covers both types of retirement plans because they each have valuable tax benefits, and you may be able to contribute to both at the same time. With the practical advice in this book, you learn how to manage your accounts, minimize your investment risk, and maximize your returns. Sounds like a win-win, no matter your situation or where you’re at in life. Written by a well-known expert and ‘father of the 401 (k)’ , Ted Benna, 401(k)s & IRAs For Dummies helps you keep up with the ever-changing rules surrounding both retirement plans—including the rules from the SECURE and CARES Acts—and avoid the mistakes that can lead to higher taxes and penalties. Additional topics include: Tax strategies before and after retirement Required distributions and how much you need to take Penalties for taking money out early and how to avoid them What happens to your or your spouse’s retirement plan after death or divorce The rules for taking money out of an inherited plan Methods for calculating required minimum distributions Special tax benefits for conversions to Roth IRAs How to recharacterize IRA or Roth contributions Why IRA based plans are a better options for many small employers Helping solo entrepreneurs and other small businesses pick the right type of plan Whether you’re just starting to think about a retirement plan, planning when to retire, or you’re facing retirement, you’ll find useful and practical guidance in 401(k)s & IRAs For Dummies. Get your copy today!
Author:
Publisher:
ISBN:
Category : Government publications
Languages : en
Pages : 12
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Book Description
