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For Members Nearing Retirement
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Book Synopsis Aging and the Macroeconomy by : National Research Council
Download or read book Aging and the Macroeconomy written by National Research Council and published by National Academies Press. This book was released on 2013-01-10 with total page 230 pages. Available in PDF, EPUB and Kindle. Book excerpt: The United States is in the midst of a major demographic shift. In the coming decades, people aged 65 and over will make up an increasingly large percentage of the population: The ratio of people aged 65+ to people aged 20-64 will rise by 80%. This shift is happening for two reasons: people are living longer, and many couples are choosing to have fewer children and to have those children somewhat later in life. The resulting demographic shift will present the nation with economic challenges, both to absorb the costs and to leverage the benefits of an aging population. Aging and the Macroeconomy: Long-Term Implications of an Older Population presents the fundamental factors driving the aging of the U.S. population, as well as its societal implications and likely long-term macroeconomic effects in a global context. The report finds that, while population aging does not pose an insurmountable challenge to the nation, it is imperative that sensible policies are implemented soon to allow companies and households to respond. It offers four practical approaches for preparing resources to support the future consumption of households and for adapting to the new economic landscape.
Download or read book Growing Older in America written by and published by . This book was released on 2007 with total page 108 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The 5 Years Before You Retire, Updated Edition by : Emily Guy Birken
Download or read book The 5 Years Before You Retire, Updated Edition written by Emily Guy Birken and published by Simon and Schuster. This book was released on 2021-05-11 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt: Learn everything you need to do in the next five years to create a realistic plan for your retirement with clear, practical advice that is sure to set your future up for success. Most people don’t realize they haven’t saved enough for their retirement until their sixties and by then, it’s often too late to save enough for a comfortable retirement. The 5 Years Before You Retire has helped thousands of people prepare for retirement—even if they waited until the last minute. In this new and updated edition, you’ll find out everything you need to do in the next five years to maximize your current savings and create a realistic plan for your future. Including recent changes in financial planning, taxes, Social Security, healthcare, insurance, and more, this book is the all-inclusive guide to each financial, medial, and familial decision. From taking advantage of the employer match your company offers for your 401k to enrolling in Medicare to discussing housing options with your family, you are completely covered on 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 5 Years Before You Retire, Updated Edition, will tell you exactly what you need to know to ensure you live comfortably in the years to come.
Download or read book Falling Short written by Charles D. Ellis and published by Oxford University Press. This book was released on 2014-12-01 with total page 169 pages. Available in PDF, EPUB and Kindle. Book excerpt: The United States faces a serious retirement challenge. Many of today's workers will lack the resources to retire at traditional ages and maintain their standard of living in retirement. Solving the problem is a major challenge in today's environment in which risk and responsibility have shifted from government and employers to individuals. For this reason, Charles D. Ellis, Alicia H. Munnell, and Andrew D. Eschtruth have written this concise guide for anyone concerned about their own - and the nation's - retirement security. Falling Short is grounded in sound research yet written in a highly accessible style. The authors provide a vivid picture of the retirement crisis in America. They offer the necessary context for understanding the nature and size of the retirement income shortfall, which is caused by both increasing income needs-due to longer lifespans and rising health costs-and decreasing support from Social Security and employer-sponsored pension plans. The solutions are to work longer and save more by building on the existing retirement system. To work longer, individuals should plan to stay in the labor force until age 70 if possible. To save more, policymakers should shore up Social Security's long-term finances; make all 401(k) plans fully automatic, with workers allowed to opt out; and ensure that everyone has access to a retirement savings plan. Individuals should also recognize that their house is a source of saving, which they can tap in retirement through downsizing or a reverse mortgage.
Book Synopsis Choose Your Retirement by : Emily Guy Birken
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 256 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.
Download or read book Rock Retirement written by Roger Whitney and published by Morgan James Publishing. This book was released on 2017-10-03 with total page 212 pages. Available in PDF, EPUB and Kindle. Book excerpt: “A guide for planning that rich season of life, based not just on money, but also on how to create meaningful relationships, memories, and legacy.” —Dan Miller, author of 48 Days to the Work You Love Rock Retirement offers inspirational advice on how to enjoy the journey to retirement to its fullest. Traditional retirement advice usually boils down to saving more, sacrificing more, and settling for less. This approach makes people dependent on systems outside their control, such as the market, economy, and investment returns. The result: people lose power over determining their life. What sets Rock Retirement apart is its holistic approach to helping people take back control and act intentionally towards the life they want. It addresses the fears, hopes, and dreams that people have about retirement, goes way beyond the numbers, and shows them how to balance living well today and tomorrow. “Too many books think retirement is just about finances. Instead, retirement is about looking at life in full and working out what it is you want to do and then turning to finances to make it happen. That’s exactly the focus of the practical and helpful guide.” —Andrew Scott, coauthor of The 100-Year Life “Roger Whitney lays out a plan for today’s modern retiree. If you are exhausted with being fed that retirement is the end game of life, then Roger’s book is a must-read!” —Darryl W. Lyons, author of 18 to 80 “If you’re dreaming of a retirement free of worry, chao and confusion, Rock Retirement will give you the clarity, a solid plan and fresh inspiration to help you get where you want to go.” —Jevonnah “Lady J” Ellison, author of Love Letters for Leading Ladies
Book Synopsis Retirement Reinvention by : Robin Ryan
Download or read book Retirement Reinvention written by Robin Ryan and published by Penguin. This book was released on 2018-03-06 with total page 306 pages. Available in PDF, EPUB and Kindle. Book excerpt: Retirement has changed, and America’s most trusted career counselor is here to guide you through your own Retirement Reinvention “Robin Ryan is the most knowledgeable career expert in the nation today.” —PBS For twenty years, Robin Ryan has been helping clients get the most out of their careers and their lives. Now, in Retirement Reinvention, she shatters the myths of retirement. The old model of retirement is changing. The majority of retirees today are seeking fun and meaningful ways to spend their time. Full of practical advice, this thought-provoking guide offers readers a path for reinventing their own retirements, including step-by-step instructions for: • Leaving an old career behind • Pinpointing interests and skills • Exploring different places to live • Defining new, satisfying opportunities • Finding meaningful ways to give back to your community • Striking the right balance between work and leisure From starting a dream business to shifting to the nonprofit sector to volunteering, Robin Ryan will help you create a plan and pivot toward a future as vital as it is truly rewarding.
Book Synopsis The No-Regrets Guide to Retirement by : Patricia Howard
Download or read book The No-Regrets Guide to Retirement written by Patricia Howard and published by John Wiley & Sons. This book was released on 2021-02-08 with total page 199 pages. Available in PDF, EPUB and Kindle. Book excerpt: Learn to take control of your finances and your retirement with this one-stop Australian financial planning bible Have you ever wondered if you have enough money to make it through retirement? The No-Regrets Retirement Guide: How to Live Well, Invest Wisely and Make Your Money Last provides readers with a definitive answer to that question, as well as many others you may have always wanted to ask. Qualified financial planner and author Patricia Howard offers no-nonsense guidance on what it takes to get you to, and through, retirement. You’ll learn how to: Develop a positive and productive mindset as you enter retirement Take control of your finances, regardless of how much money you make or have Learn how to live on invested income rather than earned income Understand and learn to avoid the biggest pitfalls people commonly encounter as they approach retirement Perfect for people entering or already in retirement, The No-Regrets Retirement Guide also belongs on the bookshelves of anyone interested in ensuring they are in a financial position to enjoy their golden years.
Book Synopsis How to Make Your Money Last - Completely Updated for Planning Today by : Jane Bryant Quinn
Download or read book How to Make Your Money Last - Completely Updated for Planning Today written by Jane Bryant Quinn and published by Simon & Schuster. This book was released on 2020-01-07 with total page 432 pages. Available in PDF, EPUB and Kindle. Book excerpt: NOW COMPLETELY UPDATED to reflect the changes in tax legislation, health insurance, and the new investment realities. In this “highly valuable resource” (Publishers Weekly, starred review) Quinn “provides simple, straightforward” (The New York Times) solutions to the universal retirement dilemma—how to make your limited savings last for life—covering mortgages, social security, income investing, annuities, and more! Will you run out of money in your older age? That’s the biggest worry for people newly retired or planning to retire. Fortunately, you don’t have to plan in the dark. Jane Bryant Quinn tells you how to squeeze a higher income from all your assets—including your social security account (get every dollar you’re entitled to), a pension (discover whether a lump sum or a lifetime monthly income will pay you more), your home equity (sell, rent, or take a reverse mortgage?), savings (how to use them safely to raise your monthly income), retirement accounts (invest the money for growth in ways that let you sleep at night), and—critically—how much of your savings you can afford to spend every year without running out. There are easy ways to figure all this out. Who knew? Quinn also shows you how to evaluate your real risks. If you stick with super-safe investment choices, your money might not last and your lifestyle might erode. The same might be true if you rely on traditional income investments. Quinn rethinks the meaning of “income investing,” by combining reliable cash flow during the early years of your retirement with low-risk growth investments, to provide extra money for your later years. Odds are, you’ll live longer than you might imagine, meaning that your savings will stretch for many more years than you might have planned for. With the help of this book, you can turn those retirement funds into a “homemade” paycheck that will last for life.
Book Synopsis An Uncommon Guide to Retirement by : Jeff Haanen
Download or read book An Uncommon Guide to Retirement written by Jeff Haanen and published by Moody Publishers. This book was released on 2019-05-07 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt: What am I going to do with my retirement? People talk about retirement like it’s supposed to be an endless vacation. But what if, like the majority of those facing retirement, you can’t afford such a luxury? Or, what if you just want something more from retirement? Some advocate for no retirement at all. But you’ve worked for decades and a rest and reprieve do sound appealing. What should you do? Does God have a purpose for your retirement? Yes, He does. Learn how to discern what it is by taking an uncommon approach. Jeff Haanen looks biblically and practically at the need for rest and purpose in retirement. And teaches you how to: Take a sabbatical rest in early retirement Listen to God’s voice for their calling in retirement Rethink “work” in retirement Understand family systems and leaving a legacy Planning retirement doesn’t have to be distressing. Retire in a way that’s God-honoring, purpose-filled, restful, and truly biblical.
Book Synopsis 20 Retirement Decisions You Need to Make Right Now by : Ray LeVitre CFP
Download or read book 20 Retirement Decisions You Need to Make Right Now written by Ray LeVitre CFP and published by Sourcebooks, Inc.. This book was released on 2014-01-14 with total page 310 pages. Available in PDF, EPUB and Kindle. Book excerpt: You're in Control of Your Retirement Future Inside are twenty major financial decisions that could profoundly impact your lifestyle over the next forty years. For many retirees, these decisions come as a surprise and must be made hastily without proper consultation. But by reading the expert, commission-free advice in this fully revised and updated edition, you'll learn how to manage your assets and prepare for the best possible retirement. Do I have enough money to retire now? How will I cover my medical expenses during retirement? When should I begin taking Social Security? How much should I invest in stocks, bonds, and cash? What criteria should I use to identify the best investments? Should I cancel my life insurance policy? Should I pay off my mortgage at retirement?
Book Synopsis The Retirement Challenge by : Retirement Coaches Association Members
Download or read book The Retirement Challenge written by Retirement Coaches Association Members and published by Robert Laura. This book was released on 2018-11-24 with total page 370 pages. Available in PDF, EPUB and Kindle. Book excerpt: A collection of chapters on a variety of aspects of today's retirement landscape, written by members of Retirement Coaches Association.
Book Synopsis CSRS and FERS Handbook for Personnel and Payroll Offices by :
Download or read book CSRS and FERS Handbook for Personnel and Payroll Offices written by and published by . This book was released on 1998 with total page 784 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Conserving Client Portfolios During Retirement by : William P. Bengen
Download or read book Conserving Client Portfolios During Retirement written by William P. Bengen and published by Advisorpress. This book was released on 2006-01-01 with total page 169 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. Senate. Committee on Appropriations. Subcommittee on Transportation and Related Agencies Publisher : ISBN 13 :9780160436659 Total Pages :902 pages Book Rating :4.4/5 (366 download)
Book Synopsis Department of Transportation and Related Agencies Appropriations for Fiscal Year 1994: Department of Health and Human Services, Department of Transportation by : United States. Congress. Senate. Committee on Appropriations. Subcommittee on Transportation and Related Agencies
Download or read book Department of Transportation and Related Agencies Appropriations for Fiscal Year 1994: Department of Health and Human Services, Department of Transportation written by United States. Congress. Senate. Committee on Appropriations. Subcommittee on Transportation and Related Agencies and published by . This book was released on 1993 with total page 902 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Redeeming Retirement written by C. Cagle and published by . This book was released on 2021-04-05 with total page 220 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book isn't your typical retirement planning book. It's not a "how-to" for the younger person who is just starting to save and invest for retirement. Nor is it for someone older with one or two million saved for retirement, a fat pension, large inheritance, or lots of real estate income. Redeeming Retirement is for the roughly 50 percent of people middle-aged and older in the U.S. who anticipate retirement but are financially unprepared for it or who may not know how unprepared they really are. It's also for those who, because of job loss or under-unemployment, health issues, investment losses due to a recession, the housing crash, or factors related to the Coronavirus pandemic, find themselves in a much less tenable financial position to fund their retirement than they once were. The book will also help "late bloomers" who have generally been doing well with their finances, except in planning for retirement. Catching up can be more challenging than you think, even if you enjoy a relatively high income and access to good retirement savings plans and financial products. But as the book explains, it can be done, especially if you combine strategies that can have the greatest impact on your situation. Redeeming Retirement provides hope and help in the form of practical guidance to help you: Understand the nature and scope of the problem Know the challenges you face Do a retirement financial readiness check-up Identify their options and focus on those that make the most sense for you Put an action plan in place to redeem your retirement Depending on your situation, you may not be able to fix everything. But Redeeming Retirement will give you the help and hope you need to put a plan together and move forward with confidence. Then, by working your plan with whatever time, resources, and tools at your disposal, you can put yourself and your family in a more viable position once you retire-you can "redeem your retirement."
Download or read book You First written by Randy Silvey and published by Silverlight Financail Incorporated. This book was released on 2014-11-23 with total page 128 pages. Available in PDF, EPUB and Kindle. Book excerpt: An outstanding and thorough resource for past and present Federal employees. A clear-cut guide through the maze of Federal benefits. No unnecessary jargon, just plain English. Explore Federal Employees Retirement System (FERS), Civilian Service Retirement System (CSRS) and Postal Employee benefits including - Thrift Savings Plan (TSP), Government Pension(s), the possibilities of qualifying for a "bridge" annuity and Social Security Administration (SSA) Retirement benefits (some CSRS employees may not qualify). Veteran Wealth Advisor (and past Federal employee), Randy Silvey, reveals exceptional insight and knowledge that his 13 years' experience assisting Federal employees has afforded him. Including; when is it ok for you to retire? How to financially prepare for retirement? Steps to take when you are ready to retire.
