55 and Counting
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55 and Counting gently but pointedly looks deeper and wider at the many parts of life that will be affected by retirement: Identity (who am I now?). Sharing the house and days on end with a now-present spouse. Discovering new purpose. Finding true community. Deciding where to live. Exploring family stories and history to dispel any clouds or mysteries. Preparing for losses. This book is a guide for Pre-Retirement, adjusting and putting things right before the last day of work. 55 and Counting also addresses those who are often overlooked by experts in retirement planning--singles, women, and persons who need to continue working well past the expected start of retirement. True stories and examples fill these pages. Each chapter ends with "Questions for Reflecting" and "Next Steps," as a way to structure Pre-Retirement planning so it does not become overwhelming.
Retirement Planning QuickStart Guide
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THE ULTIMATE BEGINNER'S GUIDE TO TAKING CONTROL OF YOUR FINANCES AND PREPARING FOR RETIREMENTPlanning for retirement is the biggest financial commitment of your life. Are you prepared?The future is often filled with fear and uncertainty. Fortunately, your retirement doesn't have to be. Managing your finances, preparing to transition out of the workforce, and ensuring that your money is working as hard as possible to make your golden years sparkle can be overwhelming.Best-selling author and finance industry veteran Ted D. Snow, CFP®, MBA, knows how to prepare for retirement no matter what stage of planning his clients are in. Retirement Planning QuickStart Guide cuts through the chatter to help orient you on your journey to retirement. With financially sound money management strategies, practical tips, and a thorough look at with it takes to prepare for a retirement worth looking forward toUsing the guidance and insight provided in this book, anyone, at any stage of their career, can find the answers they're looking for to prepare for a comfortable, satisfying, and financially secure retirement. Whether retirement is right around the corner or still decades over the horizon, you deserve a retirement that's a fitting reward to a lifetime of hard work. This book is your essential companion.
IRAs, 401(k)s and Other Retirement Plans
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Save your nest egg from the IRS About to retire? Over 73 and facing mandatory withdrawal rules? Just inherited money from a retirement plan? Whether you have an IRA, Roth IRA, 401(k), Keogh or other retirement plan, this book will help you make sense of the rules for taking your money out. Even more important, it will show you how to avoid the stiff taxes and penalties that lurk in the fine print. It covers: 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 how to divide a plan at divorce what happens to your retirement plan after your death, and different rules for taking money out of an inherited plan. The 16th edition covers all of the latest changes, including: new start age for required distributions new contribution limits for 401(k)s, money purchase pension plans, ESOPs, SIMPLE IRAs, and Roth IRAs new exceptions to the 10% early distribution tax, and multiple new rules for inherited retirement plans.
Baby Boomer Survival Guide, Second Edition
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Fully updated and revised survival guide - including up-to-date changes due to life with Covid-19 - for Baby Boomer generation entering retirement! Baby Boomer Survival Guide, Second Edition: Live, Prosper, and Thrive in Your Retirement is the premier roadmap to retirement for anyone focused on financial security. This is a comprehensive, easy-to-understand guide that covers all the significant financial, healthcare, and lifestyle-related considerations today's Baby Boomer generation needs to know. This essential happiness handbook to financial & health security includes key topics: How to Live a Long, Happy, Healthy Life Expanding Your Interests, Hobbies, Social Network, Community Involvement & Quality Time with Family Where to Live & Where to Travel What to Do With Your Extra Years Strategies for Not Outliving Your Savings Financial Planning and Investing: Rules for Success Taking Advantage of the Trump Tax Cuts Homeownership vs. "Real Estate" & Renting vs. Buying WORKING in Retirement Social Security Optimization Strategies Having a Medicare Game Plan Key Questions and Answers to Long-Term Care Why You Should Think About Inheritance Wills, Trusts & Taking Care of Your Family A little planning and foresight can go a long way toward making sure your hopes and ideals for retirement don't collide with harsh economic, financial, and health-related realities. Baby Boomer Survival Guide will give you the wherewithal to make your retirement the rich-est, most fulfilling chapter in the book of your life -- for yourself and your loved ones.
Save Your Retirement
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Real Solutions for Saving Your Retirement... No Matter Where You Stand Right Now! Step-by-step plans you can use if you''re planning to retire in... 5 years 10 years 15 years over 20 years or tomorrow! nbsp; "The market meltdown has all of us worrying about whether we will ever be able to retire. Worrying doesn''t help you. Planning does. Save Your Retirement by Frank Armstrong, III and Paul B. Brown can-and should-serve as your battle plan." -John A. Byrne, Executive Editor, BusinessWeek nbsp; "Convinced the sinking economy has dragged your retirement plans down with it? Save Your Retirement shows there''s still treasure inside that wreckage- and provides a map to help you find it." -Josh Hyatt, Money Magazine nbsp; "Whether you''re just beginning a career or you''re five years from retiring, the authors show you how to take a realistic look at your current financial status and your retirement goals. With a refreshingly positive approach, they give all of us, no matter our life stage, a blueprint for successful retirement." -Professor Larry Meiller, Talk Show Host, Wisconsin Public Radio nbsp; "Frank Armstrong, III and Paul B. Brown heal your retirement anxiety and show you exactly how to achieve financial security for the golden years. You''ll actually be excited to save!" -Farnoosh Torabi, Author of You''re So Money: Live Rich Even When You''re Not nbsp; Terrified about retirement? Stop losing sleep, and take action! This book gives you specific, step-by-step plans you can use to save your retirement. Forget "one-size-fits-all" solutions that don''t fit your life. Here are personal plans focused on your unique situation-whether you''re 5, 10, 15, or 20-plus years away from retirement or are scheduled to retire now. (There''s even a detailed plan for people who''ve already retired and want to make sure their money lasts!) No matter what the market meltdown did to your portfolio or how little you''ve saved, you can save your retirement-if you start now. Get this book, and get started! nbsp; All the help you need to save your retirement: nbsp; Where to move your savings How to recalculate what you''ll really need to retire How to assess when you can now afford to retire How to change your approach to investing How to use the federal tax system to save more What to expect from Social Security now nbsp; Part I: Let''s Take a Deep Breath and Get Our Bearingsnbsp;nbsp;nbsp;nbsp; 1 Chapter 1: There''s Hopenbsp;nbsp;nbsp;nbsp; 3 Chapter 2: You Are Not Alone: Just About Everyone Is Unprepared to Retire the Way They Wantnbsp;nbsp;nbsp;nbsp; 11 Chapter 3: Maybe You Don''t Want to Retirenbsp;nbsp;nbsp;nbsp; 23 Chapter 4: Before You Begin Your Rescue Efforts: Things to Do to Make Sure You Don''t Make the Situation Worsenbsp;nbsp;nbsp;nbsp; 29 nbsp; Part II: Working with the Scenario That Is Right for Younbsp;nbsp;nbsp;nbsp; 63 Chapter 5: R(etirement) Minus 20 (or More)nbsp;nbsp;nbsp;nbsp; 71nbsp;nbsp;nbsp;nbsp; Chapter 6: R--15nbsp;nbsp;nbsp;nbsp; 79 Chapter 7: R--10nbsp;nbsp;nbsp;nbsp; 95 Chapter 8: R--5nbsp;nbsp;nbsp;nbsp; 107 Chapter 9: R=0nbsp;nbsp;nbsp;nbsp; 117 Chapter 10: R+nbsp;nbsp;nbsp;nbsp; 123 nbsp; Part III:nbsp; (Dramatically) New Thinkingnbsp;nbsp;nbsp;nbsp; 127 Chapter 11: Maybe You Want to Retire Laternbsp;nbsp;nbsp;nbsp; 129 Chapter 12: Don''t Touch Up the X-Raysnbsp;nbsp;nbsp;nbsp; 133 Chapter 13: Dealing with Risknbsp;nbsp;nbsp; nbsp;141 Chapter 14: Where Does Social Security Fit In?nbsp;nbsp;nbsp;nbsp; 151 Chapter 15: What to Do the Moment You Stop Readingnbsp;nbsp;nbsp;nbsp; 161 Chapter 16: Final Thoughtsnbsp;nbsp;nbsp;nbsp; 167 nbsp; Part IV:nbsp; Appendicesnbsp;nbsp;nbsp;nbsp; 173 Appendix A: Where Does the Money Go?nbsp;nbsp;nbsp;nbsp; 175 Appendix B: Getting to What''s Nextnbsp;nbsp;nbsp;nbsp; 183 Appendix C: Useful Links and Resources for Retireesnbsp;nbsp;nbsp;nbsp; 191 Appendix D: Suggested Asset Allocation Modelsnbsp;nbsp;nbsp;nbsp; 195 nbsp; Indexnbsp;nbsp;nbsp;nbsp; 199 nbsp;
The Prudent Professor
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This is a guide for anyone in the academy - faculty member, administrator or professional staff - at whatever point she or he may be along the career path. Whether you are a newly-minted Ph.D. landing your first job, at mid career, or even already retired and concerned about how long your money might last, Ed Bridges offers you a straightforward, easy-to-grasp, and structured way to think about money, learn how it works, understand the priorities for your stage in life, determine your objectives, and develop a personal plan most likely to achieve them. Why a book specifically for those who work in higher education? The chances are that your retirement funds are mostly invested in TIAA-CREF funds, and that the plans created by the different institutions where you have worked, or will work, impose sometimes conflicting limitations of how you can manage your retirement money. This is potentially complex terrain with which many professional financial advisors are unfamiliar. This book provides ample guidance for you to manage your retirement funds, but if you do prefer to seek professional advice, it sets out the criteria for choosing a reliable advisor, and may even be a book from which your advisor can benefit if he or she is not fully conversant with TIAA-CREF's offerings, and the quirks of academic retirement plans. What makes this book unique is that Ed Bridges shares with you his self-education about the risky business of investing and retirement planning. As he writes, "In schooling myself, I adopted the mind-set that I had used as a social scientist for the past forty-six years. I distinguished between fact and opinion and scrutinized the evidence behind every author's claims; moreover, I searched for research that might corroborate or refute these claims. In the process, I learned a great deal about the route I should have taken to retirement from the time I accepted my first academic appointment to the time I submitted my intention to retire. Join me as I relive my long journey so that you may avoid my wrong turns and succeed in reaching your ultimate destination, a worry-free retirement, despite the risks and uncertainties you will surely face when you retire." The book includes simple questionnaires and worksheets to help you determine where you stand, and think through your options.
Faculty Retirement in the Arts and Sciences
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In 1986 the Age Discrimination in Employment Act (ADEA) was amended to abolish mandatory retirement for tenured faculty members in colleges and universities effective January 1, 1994. Will this "uncapping" of the retirement age adversely affect the vitality of academic departments or the prospects of advancement for younger scholars? In a definitive study of faculty retirement in the arts and sciences, Albert Rees and Sharon Smith seek to answer this question. Basing their conclusions on original data collected from thirty-three colleges and universities, they do much to resolve an issue that is a frequent subject of discussion in the academic world and in the press. Rees and Smith reveal that the ending of mandatory retirement will have much smaller effects than those generally anticipated--so small that there is no justification for efforts to have Congress continue exempting faculty members from the ADEA past 1994, the date that the exemption is now due to expire. In addition to their data on retirement patterns, the authors make use of surveys of senior faculty and retired faculty to explore attitudes toward retirement. Originally published in 1991. The Princeton Legacy Library uses the latest print-on-demand technology to again make available previously out-of-print books from the distinguished backlist of Princeton University Press. These editions preserve the original texts of these important books while presenting them in durable paperback and hardcover editions. The goal of the Princeton Legacy Library is to vastly increase access to the rich scholarly heritage found in the thousands of books published by Princeton University Press since its founding in 1905.
Medicare for You
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"The decisions you make when you sign up for Medicare can impact your costs -- and your quality of care -- for the rest of your life. No one gives better advice about Medicare than Diane Omdahl. " -- Terry Savage, Author of The Savage Truth on Money and Nationally Syndicated Financial Columnist Get the most out of Medicare. Get your maximum earned benefits for yourself and your family. Every day, over 10,000 Americans will become eligible for Medicare, but most of us don't even know the basics. When do I enroll? What does it cover? Do I need Part B? You could watch the commercials or reply to direct mail. You could ask your best friend. Or you can take charge of these very important decisions and READ THIS BOOK! Medicare expert Diane J. Omdahl will take you through all the steps to making the right decisions at the right time. Avoid costly mistakes and scams and ensure that Medicare works for you.
Enjoy Retirement 2e
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Packed full of ideas on ways to use your retirement years to make your mark on the world, this title reveals how to keep your body working at its best, how to keep your mind active and alert, and how to use your retirement years to fulfil your dreams and broaden your horizons.
