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Author : Melissa Echalier
Publisher :
ISBN 13 : 9781906284336
Total Pages : 29 pages
Book Rating : 4.2/5 (843 download)
Download or read book Myths and Rules of Thumb in Retirement Income written by Melissa Echalier and published by . This book was released on 2015 with total page 29 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Warren Mackenzie
Publisher : HarperCollins Canada
ISBN 13 : 144340117X
Total Pages : 215 pages
Book Rating : 4.4/5 (434 download)
Download or read book New Rules Of Retirement written by Warren Mackenzie and published by HarperCollins Canada. This book was released on 2010-09-21 with total page 215 pages. Available in PDF, EPUB and Kindle. Book excerpt: The financial advice industry -- including banks, mutual fund and insurance companies -- has a vested interest in our hard-earned savings. Industry advisors are constantly warning us that we may not be financially prepared for retirement. And, feeling anxious about our future, we become convinced that it’s a good idea to let them handle our money. After all, they seem to have all the answers. But retirement planning today isn’t the same as it was in the past. We’re living longer, leading more active lives, with more options about how we want to live once employment is no longer the main focus. For the 1.6 million Canadians who will be retiring in the next five years, the questions at play are more complex than “How much do I need to retire?” Industry veterans Warren MacKenzie and Ken Hawkins have seen firsthand the mistakes that Canadians make in their financial preparations for the future. In The New Rules for Retirement, they offer simple, unbiased advice while at the same time debunking the many myths surrounding retirement.
Author : Emily Guy Birken
Publisher : Simon and Schuster
ISBN 13 : 144058656X
Total Pages : 197 pages
Book Rating : 4.4/5 (45 download)
Download or read book Choose Your Retirement written by Emily Guy Birken and published by Simon and Schuster. This book was released on 2015-09-04 with total page 197 pages. Available in PDF, EPUB and Kindle. Book excerpt: As seen in Woman's Day, US News & World Report, and Money Magazine Uncover the truth about planning for retirement! From financial advisors and pundits on television to colleagues and family members, everyone has something to say about retirement. But how much of it is true? Whether you're looking to move into a senior living community or travel the world, Choose Your Retirement shows you how to realistically prepare for the future you desire. Inside, you will find expert advice for choosing the best retirement path for you and your family as well as information on common myths like: -You will only need 80 percent of your current income in retirement -Medicare will cover all your health-care needs -Switching investments over to bonds is the safest retirement option -Social Security will run out in 2033, leaving millions without their promised benefits Filled with hundreds of facts about retiring, Choose Your Retirement helps you set attainable financial goals and plan for the retirement—and life—you've always wanted.
Author : Carrie Schwab-Pomerantz
Publisher : Crown Currency
ISBN 13 : 0804137374
Total Pages : 434 pages
Book Rating : 4.8/5 (41 download)
Download or read book The Charles Schwab Guide to Finances After Fifty written by Carrie Schwab-Pomerantz and published by Crown Currency. This book was released on 2014-04-01 with total page 434 pages. Available in PDF, EPUB and Kindle. Book excerpt: Here at last are the hard-to-find answers to the dizzying array of financial questions plaguing those who are age fifty and older. The financial world is more complex than ever, and people are struggling to make sense of it all. If you’re like most people moving into the phase of life where protecting—as well as growing-- assets is paramount, you’re faced with a number of financial puzzles. Maybe you’re struggling to get your kids through college without drawing down your life’s savings. Perhaps you sense your nest egg is at risk and want to move into safer investments. Maybe you’re contemplating downsizing to a smaller home, but aren’t sure of the financial implications. Possibly, medical expenses have become a bigger drain than you expected and you need help assessing options. Perhaps you’ll shortly be eligible for social security but want to optimize when and how to take it. Whatever your specific financial issue, one thing is certain—your range of choices is vast. As the financial world becomes increasingly complex, what you need is deeply researched advice from professionals whose credentials are impeccable and who prize clarity and straightforwardness over financial mumbo-jumbo. Carrie Schwab-Pomerantz and the Schwab team have been helping clients tackle their toughest money issues for decades. Through Carrie’s popular “Ask Carrie” columns, her leadership of the Charles Schwab Foundation, and her work across party lines through two White House administrations and with the President’s Advisory Council on Financial Capability, she has become one of America’s most trusted sources for financial advice. Here, Carrie will not only answer all the questions that keep you up at night, she’ll provide answers to many questions you haven’t considered but should.
Author : Jonathan Clements
Publisher : Touchstone
ISBN 13 : 9780684851945
Total Pages : 244 pages
Book Rating : 4.8/5 (519 download)
Download or read book 25 Myths You've Got to Avoid--If You Want to Manage Your Money Right written by Jonathan Clements and published by Touchstone. This book was released on 1999-04-15 with total page 244 pages. Available in PDF, EPUB and Kindle. Book excerpt: STOP THINKING ABOUT MONEY IN THE SAME OLD WAY Have you ever been told that you can't go wrong with mutual funds? That stocks are risky? That you should take out the largest mortgage possible? That life insurance is a good investment? That you should keep six months of emergency money? These myths and more are shattered in 25 Myths You've Got to Avoid -- If You Want to Manage Your Money Right. Each of the book's twenty-five chapters tackles a cherished money myth, first telling you why it no longer works and then showing you how to do it right. Along the way you will learn winning strategies for investing in mutual funds, building a portfolio, saving for retirement, paying for college, buying a house, preparing for financial emergencies, selecting insurance, and planning your estate. The result? Instead of the predictable compendium of tedious advice tossed out by most personal-finance tomes, Clements's book offers a witty, fast-paced journey through today's treacherous investment world. Amusing and irreverent, here is an intriguing and accessible approach to personal finance.
Author : Robert C. Carlson
Publisher : John Wiley & Sons
ISBN 13 : 1119183499
Total Pages : 464 pages
Book Rating : 4.1/5 (191 download)
Download or read book The New Rules of Retirement written by Robert C. Carlson and published by John Wiley & Sons. This book was released on 2016-03-29 with total page 464 pages. Available in PDF, EPUB and Kindle. Book excerpt: Create the retirement you desire with proven financial strategies The New Rules of Retirement throws away the rules of thumb, clichés, and obsolete ideas. It provides a proven, updated approach to retiring successfully in today's world. In this new second edition based on independent, objective research, retirement expert Robert C. Carlson uses proven, profitable techniques to coordinate all the factors that lead to financial security and independence. You'll learn how much you really need to save for retirement, how to invest that nest egg before and during retirement, and how to establish a wise and sustainable spending strategy. Carlson will explain how to overcome the threats to lifetime financial security, such as longer life expectancy, low investment returns, higher taxes, and more. Importantly, you'll learn how to plan for the wildcards of retirement planning: health care and long-term care expenses. This edition covers changes in key areas such as annuities, IRA management, estate planning, and income taxes. You'll learn how to merge these insights into your plan to enhance financial security and to provide for loved ones in the future. Retirement no longer means being put out to pasture. Today's retirees are traveling the world, attending classes, developing new skills, starting businesses, mastering neglected hobbies, and more—well into their golden years. This guide helps ensure you have the financial independence to pursue the retirement you want through smart planning and effective financial strategies. Know and overcome the threats to retiree financial security Learn the right way to estimate retirement spending Develop a sustainable spending strategy Invest your nest egg to make it last Plan for potential long-term health care Leave a legacy for loved ones The retirement is now a new phase of life, not a winding down. It's a time to live your best life and do things you couldn't before. But all the financial aspects of retirement have changed. To maintain financial security and create the retirement you desire, you need to be on top of the changes. The New Rules of Retirement provides the latest, proven strategies that help put the shine in your golden years.
Author : Kenneth L. Fisher
Publisher : John Wiley & Sons
ISBN 13 : 1118431065
Total Pages : 199 pages
Book Rating : 4.1/5 (184 download)
Download or read book Plan Your Prosperity written by Kenneth L. Fisher and published by John Wiley & Sons. This book was released on 2012-10-30 with total page 199 pages. Available in PDF, EPUB and Kindle. Book excerpt: Whether you’re in retirement, just getting ready to retire, or 5, 10, or 40 years out, this book can help you invest smarter your whole life and yes, plan better for retirement. Harmful mythology abounds about retirement investing. Many retirees or soon-to-be retirees have heard a plethora of advice. Take 100 (or 120) and subtract your age to get your equity allocation, put the rest in bonds or cash. Buy only bonds. Buy only high dividend stocks. Or some combination! Buy equity-indexed annuities or some “guaranteed” income product. All examples of a potentially harmful myth many folks believe to be smart, strategic moves. Investors believe preparing for retirement requires a radically different set of tools or a dizzying array of products. Navigating the world of retirement products and services can be a full-time job. But investing for retirement is, in practice, not much (if at all) different from investing. In Your Retirement Plan, Ken Fisher will give readers a workable strategy to either develop their own retirement investing plan or work more successfully with a professional to increase the likelihood of achieving long-term goals while avoiding common pitfalls. The book will include easy-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 retirement goals 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 to better plan for the future.
Author : Kizzi Nkwocha
Publisher : Athena Publishing
ISBN 13 :
Total Pages : 215 pages
Book Rating : 4./5 ( download)
Download or read book The Book of Money and Finance: Valuable strategies to help you achieve financial freedom written by Kizzi Nkwocha and published by Athena Publishing. This book was released on with total page 215 pages. Available in PDF, EPUB and Kindle. Book excerpt: Kizzi Nkwocha is a public speaker and the publisher of Money And Finance Magazine, Business Game Changer Magazine, The Property Investor and The UK Newspaper. Kizzi Nkwocha made his mark in the UK as a publicist, journalist and social media pioneer. As a widely respected and successful media consultant Nkwocha has represented a diverse range of clients including the King of Uganda, mistresses of President Clinton, Amnesty International, Pakistani cricket captain Wasim Akram, campaign group Jubilee 2000, Dragons Den businessman, Levi Roots and world record teenage sailor, Michael Perham. Nkwocha has also become a well-known personality on both radio and television. He has been the focus of a Channel 4 documentary on publicity and has hosted his own talk show, London Line, on Sky TV. He also co-presented a weekly current affairs program in Spain on Radio Onda Cero International and both radio and TV shows in Cyprus. His books have included the fiction novel, Heavens Fire, the business guide books: Business, Business, Business!, Mind Your Own Business, Insiders Know-How: Public Relations and the international bestseller SocMed: Social Media For Business. His second fiction book, John Bryan And The Prophecy Of The Popes, was published in June 2021. Follow Kizzi on Twitter: https://twitter.com/kizzinkwocha
Author : Deena B. Katz
Publisher : John Wiley & Sons
ISBN 13 : 0470885327
Total Pages : 369 pages
Book Rating : 4.4/5 (78 download)
Download or read book Deena Katz's Complete Guide to Practice Management written by Deena B. Katz and published by John Wiley & Sons. This book was released on 2010-05-13 with total page 369 pages. Available in PDF, EPUB and Kindle. Book excerpt: Deena B. Katz, CFP, a preeminent authority on practice management and an internationally recognized financial adviser, presents a comprehensive guide to running a professional financial planning practice. To create this book, Katz updated, revised, and combined her two acclaimed books Deena Katz on Practice Management (1999) and Deena Katz's Tools and Templates for Your Practice (2001). In this newly expanded volume, she presents the essentials on how to help a practice thrive side by side with the tools and templates needed for the everyday operation of your firm. This new volume offers guidance on practice-management issues: setting up an office systems and technology administration and staffing marketing growing as the market changes hanging on to clients for the long term succession planning when the time comes This comprehensive resource provides sample forms, worksheets, templates, letters, brochures, and collateral materials developed and refined by top wealth managers and planners. From keeping the business running well by designing dynamic collateral material, to considering plans for retirement, Deena B. Katz guides advisers through every challenge a financial planning business will face.
Author : Todd Tresidder
Publisher : Financialmentor.com
ISBN 13 : 9781939273062
Total Pages : 236 pages
Book Rating : 4.2/5 (73 download)
Download or read book How Much Money Do I Need to Retire? written by Todd Tresidder and published by Financialmentor.com. This book was released on 2020-01-02 with total page 236 pages. Available in PDF, EPUB and Kindle. Book excerpt: Learn how retirement really works before it's too late... "This book is the best I've seen on how to navigate the retirement savings question." (Forbes) Most so-called "experts" plug your numbers into a retirement formula to tell you how much money you need to retire. Unfortunately, the conventional approach is fundamentally flawed. If you fail to learn how retirement savings truly works, then you'll either underspend and be miserable or overspend and run out of money. How Much Money Do I Need to Retire takes you beyond the scientific facade of modern retirement planning. Author and former hedge fund manager Todd R. Tresidder has helped thousands of people find financial freedom through his website and podcast. Now you too can use his advice to take the guesswork out of your retirement planning. In this book, you'll learn: Why the best way to describe most retirement estimates is garbage-in/garbage-out The five critical assumptions that can destroy your financial security How to reduce the amount you need to retire by as much as $600,000 Three strategies to maximize spending today while protecting for the future How to calculate the amount of money you really need to retire on the first try without software, online calculators, or being a math genius Read this book to know more about your retirement planning than your financial adviser. Tresidder's book contains refreshingly straightforward, easy-to-understand, and concise advice on how to retire wealthy. This missing link of personal finance books will make you sleep easier. No retirement is secure without it. Buy the book today so you can retire with confidence!
Author : Darrow Kirkpatrick
Publisher : StructureByDesign
ISBN 13 : 9780989283021
Total Pages : 276 pages
Book Rating : 4.2/5 (83 download)
Download or read book Can I Retire Yet? written by Darrow Kirkpatrick and published by StructureByDesign. This book was released on 2016-05-20 with total page 276 pages. Available in PDF, EPUB and Kindle. Book excerpt: You've worked hard, lived carefully, and saved diligently. You've reached major milestones and accumulated more assets than you dreamed possible, and yet you hesitate. ""Can I retire?"" This book will help answer that question by showing you.... The tools you need to live a secure and independent retirement, without worrying about money What you must know before leaving a career behind How much it will cost you to live in retirement, and how to manage your cash flow The current choices for retirement health care, including lesser-known but effective options The threat from inflation: two secrets that politicians and bankers will never admit A realistic assessment of the impact that income taxes will have on your retirement Social Security's role in your retirement: when you should claim and how much it's worth to you How to construct and manage an investment portfolio for income and growth in retirement About immediate annuities and why you need multiple sources of retirement income The key variables and unknowns in your retirement withdrawal equation Reviews of the best retirement calculators, and tips for how to use them accurately Beyond the simplistic 4% Rule to the latest research on safe withdrawal rates Realistic bracketing of your retirement savings needs, without over caution or overconfidence The history of economic cycles and the related asset classes for optimal retirement security A survey of strategies plus original research for how to orchestrate your retirement distributions A practical "retirement fuel gauge" alerting you to problems while you still have time to act Backup plans: the "lifeboat strategies" for ensuring you'll never be without essential income The 6 crucial questions to answer before you can retire The one, simple, powerful, non-financial reason that you can and should retire earlier than later
Author : Ernst & Young LLP
Publisher : John Wiley & Sons
ISBN 13 : 9780471083382
Total Pages : 324 pages
Book Rating : 4.0/5 (833 download)
Download or read book Ernst & Young's Retirement Planning Guide written by Ernst & Young LLP and published by John Wiley & Sons. This book was released on 2001-11-16 with total page 324 pages. Available in PDF, EPUB and Kindle. Book excerpt: Use the New Tax Law to Retire on Your Terms Are you planning your retirement with the Economic Growth and Tax Relief Reconciliation Act of 2001 in mind? If not, you could be missing out on important changes that could help you build a larger nest egg or even retire early. Drawing on the experience of the nation's premier tax and financial planners, Ernst & Young's Retirement Planning Guide, Special Tax Edition shows you how to use the new tax law to plan for a secure future-whether you're just getting started or on the verge of retirement. This practical guide highlights key financial and personal issues you need to consider during your pre-retirement and retirement years, including essential information on how the new tax law will affect your retirement. From guidance on portfolio diversification and Social Security to the new tax rules that will impact IRAs and 401(k) plans, Ernst & Young's Retirement Planning Guide, Special Tax Edition provides the insight and assistance you need to take advantage of the new tax law and plan for a financially secure future. * The effect the new tax law will have on your retirement plan-from pension withdrawals to IRA limits and new tax-deferred plans * The latest financial instruments for retirement savings * Worksheets, tips, and action items, as well as additional resources, including Web sites * Strategies to overcome adverse financial events * Wealth-building techniques to help you retire early * Practical ideas and easy-to-understand charts and tables
Author : Kenneth L. Fisher
Publisher : John Wiley & Sons
ISBN 13 : 1118973054
Total Pages : 325 pages
Book Rating : 4.1/5 (189 download)
Download or read book Beat the Crowd written by Kenneth L. Fisher and published by John Wiley & Sons. This book was released on 2015-03-30 with total page 325 pages. Available in PDF, EPUB and Kindle. Book excerpt: Train your brain to be a real contrarian and outsmart the crowd Beat the Crowd is the real contrarian’s guide to investing, with comprehensive explanations of how a true contrarian investor thinks and acts – and why it works more often than not. Bestselling author Ken Fisher breaks down the myths and cuts through the noise to present a clear, unvarnished view of timeless market realities, and the ways in which a contrarian approach to investing will outsmart the herd. In true Ken Fisher style, the book explains why the crowd often goes astray—and how you can stay on track. Contrarians understand how headlines really affect the market and which noise and fads they should tune out. Beat the Crowd is a primer to the contrarian strategy, teaching readers simple tricks to think differently and get it right more often than not. Discover the limits of forecasting and how far ahead you should look Learn why political controversy matter less the louder it gets Resurrect long-forgotten, timeless tricks and truths in markets Find out how the contrarian approach makes you right more often than wrong A successful investment strategy requires information, preparation, a little bit of brainpower, and a larger bit of luck. Pursuit of the mythical perfect strategy frequently lands folks in a cacophony of talking heads and twenty-four hour noise, but Beat the Crowd cuts through the mental clutter and collects the pristine pieces of actual value into a tactical approach based on going against the grain.
Author : David Trahair
Publisher : John Wiley & Sons
ISBN 13 : 1118083520
Total Pages : 125 pages
Book Rating : 4.1/5 (18 download)
Download or read book Cash Cows, Pigs and Jackpots written by David Trahair and published by John Wiley & Sons. This book was released on 2012-09-19 with total page 125 pages. Available in PDF, EPUB and Kindle. Book excerpt: A contrarian and controversial look at personal finance, and a super simple strategy for making—and keeping—more money Traditional financial wisdom persuades us to grow our net worth and build our assets. But traditional financial wisdom is often wrong. In Cash Cows, Pigs and Jackpots: The Simplest Personal Finance Strategy You'll Ever See, author and Chartered Accountant David Trahair challenges everything we think we know about managing our money, suggesting that that we follow the lead of the financial institutions that are leading us down the path to financial ruin. The banks, brokers, and investment companies of the world make enormous sums of money because they know that cash is king and they know how to guarantee cash flow from their clients on a continual basis. They aren't making the bulk of their money from investing in the stock market—they're leeching it from regular people like you, every minute of every day. Cash Cows, Pigs and Jackpots turns the tables, showing that the biggest cash cow we have is ourselves. Instead of chasing a dream that will never come true, it presents a financial plan so simple even a 10-year-old could understand it. Explains why the common consensus about making money is inherently flawed Presents an incredibly simple, easy-to-follow plan for really making and saving money Exposes the dangers of trusting money to a bank or broker Helping you break asset addiction, get out of debt, and increase your personal cash flow—and your wealth with it, Cash Cows, Pigs and Jackpots explains how bringing more cash into your life and watching carefully where it goes will allow you to save more, live the life you want, and avoid as much risk as possible—a great strategy going into the stormy financial years to come
Author : Frederick Vettese
Publisher : John Wiley & Sons
ISBN 13 : 1119111129
Total Pages : 293 pages
Book Rating : 4.1/5 (191 download)
Download or read book The Essential Retirement Guide written by Frederick Vettese and published by John Wiley & Sons. This book was released on 2015-12-02 with total page 293 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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 : ECW Press
ISBN 13 : 1773058339
Total Pages : 191 pages
Book Rating : 4.7/5 (73 download)
Download or read book The Rule of 30 written by Frederick Vettese and published by ECW Press. This book was released on 2021-10-19 with total page 191 pages. Available in PDF, EPUB and Kindle. Book excerpt: Consider the age-old question of how much you should save to enjoy a comfortable retirement: Are your knees knocking? Are you nervously biting your nails? In The Rule of 30 personal finance expert Frederick Vettese provides a surprising — and hopeful — answer. Through conversations between a young couple and their neighbor, a retired actuary, the couple and the reader discover: • How they would have fared had they been saving over various periods in the past, and how the future investment climate will differ • The problem with saving a constant percentage of pay • The Rule of 30 and why it is a more rational way to save • Whether investing in real estate is a viable alternative to investing in stocks The Rule of 30 changes the mindset from saving the same flat percentage of pay to saving when it is most convenient to your situation. In most cases, it means less saving early on while mortgage payments are high and children are costly, and more saving later. Saving for retirement is a high priority, but it is not the only priority in life. It is time to dispense with old myths like “just save 10% of your take-home pay.” The truth is we should save differently throughout our pre-retirement years — and The Rule of 30 is a road map for doing so.
Author : Dave Ramsey
Publisher : Thomas Nelson
ISBN 13 : 1595555285
Total Pages : 266 pages
Book Rating : 4.5/5 (955 download)
Download or read book The Total Money Makeover: Classic Edition written by Dave Ramsey and published by Thomas Nelson. This book was released on 2013-09-17 with total page 266 pages. Available in PDF, EPUB and Kindle. Book excerpt: Do you want to build a budget that actually works for you? Are you ready to transform your relationship with money? This New York Times bestseller has already helped millions of people just like you learn how to develop everyday money-saving habits with the help of America's favorite personal finance expert, Dave Ramsey. By now, you've already heard all of the nutty get-rich-quick schemes and the fiscal diet fads that leave you with a lot of quirky ideas but not a penny in your pocket. If you're tired of the lies and sick of the false promises, Dave is here to provide practical, long-term help. The Total Money Makeover is the simplest, most straightforward game plan for completely changing your finances. And, best of all, these principles are based on results, not pie-in-the-sky fantasies. This is the financial reset you've been looking for. The Total Money Makeover: Classic Edition will give you the tools and the encouragement you need to: Design a sure-fire plan for paying off all debt--from your cars to your home and everything in between using the debt snowball method Break bad habits and make lasting changes when it comes to your relationship with money Recognize the 10 most dangerous money myths Secure a healthy nest egg for emergencies and set yourself up for retirement Become financially healthy for life Live like no one else, so later you can LIVE (and GIVE) like no one else! This edition of The Total Money Makeover includes new, expanded "Dave Rants" that tackle marriage conflict, college debt, and so much more. The Total Money Makeover: Classic Edition also includes brand new back-of-the-book resources to help you make The Total Money Makeover your new reality.
