How to Retire Comfortably and Happy on Less Money Than the Financial Experts Say You Need

Author: Connie Brooks
Publisher: Atlantic Publishing Company
ISBN: 9781601382047
Release Date: 2008
Genre: Business & Economics

As senior citizens age, they tend to go through less money; in fact, the typical over-75 household spent only $25,763 in 2004. This is in direct contrast to financial planners who tell you that you need to save large amounts of money in order to live comfortably during your retirement years. In this new book, you will learn how to manage your expenses, how to reduce and eliminate debt, how to save and invest wisely, how to use retirement planning tools, how to reduce living expenses, how to downsize to a smaller, less expensive property, how to save on small items, how to prioritize your insurance, and how to cut back. Additionally, you will learn about withdrawal plans, selling your home, simplifying your life style, and streamlining postretirement activities. Perhaps most interestingly, you will be presented with the option of moving overseas when you retire. Places such as Costa Rica, Panama, Belize, Malta, and Mexico offer lower living costs and lower prescription drug prices. - Publisher.

Get It Together

Author: Melanie Cullen
Publisher: Nolo
ISBN: 9781413323153
Release Date: 2016-09-30
Genre: Business & Economics

Helps organize information for estate planners, and shows how to keep track of such important documents as tax records, insurance policies, and passwords.

How to Survive Retirement

Author: Steven D. Price
Publisher: Skyhorse Publishing, Inc.
ISBN: 9781632209962
Release Date: 2015-07-21
Genre: Business & Economics

You’ve worked hard for the better part of four or five decades, and now you’ve decided it’s time to call it quits. Or your employer or industry regulations may have made that decision for you. What now? Although a life of ease may have been your dream, retirement brings with it a host of questions, problems, and responsibilities that never occurred to you and now may seem insurmountable. How to Survive Retirement will help you plan for most any eventuality during the golden years. The book is divided into four major areas: • Making The Break: The emotions of retirement. • Where Did The Money Go?—Financial considerations • I Don’t Feel So Great—Physical/medical aspects of retirement. • Hey, Look What I Did!—Filling leisure time. Doing nothing may become the hardest thing you’ve ever done. However, thanks to this survival guide, you’ll be able to enjoy the rest of your life.

11 5 IRA Essentials for Retirement

Author: Dr. Kevin Skipper, ChFC
Publisher: AuthorHouse
ISBN: 9781496963048
Release Date: 2015-02-24
Genre: Business & Economics

If you have an IRA, 401k, or other retirement plan, this book is important for you to read. It is likely that you have heard about how to invest your IRA, but what happens to the IRA in the future when you pass or your spouse passes? This book lays out the journey and strategies of what happens to the IRA and the tax strategies on how to keep the most of your IRA from the IRS. Pre-Retirement: If you are five years or less from retirement, this book helps you understand the decisions that you will face in the future. It will give you the road map that you would need to follow with your IRA. Retiree: If you have already rolled your retirement plan to an IRA, this book can serve as a checkup. Did you make the right moves? Are you working with the right IRA advisor? Do you have your beneficiaries in place? Are there ways that you can improve the investment, safety, and structure of your IRA today and when you are gone?

Couple s Retirement Puzzle

Author: Roberta K. Taylor
Publisher: Sourcebooks, Inc.
ISBN: 9781402295928
Release Date: 2014-08-05
Genre: Self-Help

The essential guide for couples to create a happy, healthy, and successful retirement! Retirement can be the best time of your life, but for couples, there's far more to it than cashing in on your 401(k). The most important asset you have during retirement is each other, yet many couples aren't sure where to begin to prepare for retired life or what to consider as they do. The Couple's Retirement Puzzle reveals ten key conversations couples should tackle before retirement to ensure a rewarding second half of life together, including: • Do we have enough money to support the lifestyle we want? • Should we retire simultaneously or separately? • Do we stay put or explore new frontiers? • What's the best way to stay healthy and fit after fifty? • How do we meet new friends and create new interests outside of work? • How will we balance time together and time apart? • And more! Filled with smart practical advice, engaging anecdotes, and helpful exercises,The Couple's Retirement Puzzle will guide you and your partner to a fulfilling retirement you can enjoy and celebrate together.

Money Mastery

Author: Billy Epperhart
Publisher: BookBaby
ISBN: 9781682226445
Release Date: 2015-11-23
Genre: Education

As Matthew 6:24 says, “You cannot serve both God and money.” But unfortunately, many people serve money without ever having made a conscious choice to do so. By not learning how to manage your money, you become a servant to your finances. Even though you may have a heart that wants to boldly serve God, you can end up serving money by default—simply because of your situation in life. “Money Mastery” is a book that offers a spiritual and practical guide to becoming the master of your own money. Learn how to build wealth, not for wealth’s sake, but for the power, as 2 Corinthians 9, “to be able to give to every good cause!” Through your wealth, you can have city and nation impact.

The Value of Debt in Retirement

Author: Thomas J. Anderson
Publisher: John Wiley & Sons
ISBN: 9781119020011
Release Date: 2015-02-27
Genre: Business & Economics

Increase the odds you won't run out of money in retirement – using debt! Conventional wisdom is wrong – being debt free in retirement may actually increase your risk. The Value of Debt in Retirement teaches you how incorporating debt into your retirement strategy may increase your return, lower your taxes and actually lower your risk. You read that right. If handled correctly, debt—that thing we've all been taught to avoid—can play an integral role in your life, especially in retirement. New York Times Best Selling Author and nationally acclaimed financial expert Tom Anderson shows you how to use the time tested strategies of the best companies and the ultra rich to retire comfortably, minimize taxes, buy the things you have always wanted to have and do the things you have always wanted to do. Thought provoking and against the grain, Anderson explains why your risk tolerance doesn't matter, why being debt free may actually increase your risk and why rushing to pay off your mortgage may be a financial disaster. Full of shocking revelations and tricks high- net-worth individuals have used for years, The Value of Debt in Retirement opens the world to a new approach to wealth management in retirement, one that factors in both sides of the balance sheet as an integrated ecosystem. Real-world case studies illustrate how informed debt strategies can lead to a happier, healthier retirement. See how an individual with a net worth of more than $5 million can spend $20,000 per month - after taxes - and pay less than $5,000 per year in taxes, how it is possible to increase your rate of return by 50%, and how a lower risk portfolio with debt could increase the chances you do not run out of money. Specifically written to Baby Boomers, practical guides and checklists show how to use debt strategies to fund primary and secondary properties, refinance credit card debt, and finance hobbies, such as cars and boats and recreational vehicles. Additional guides show how you can help your children, help your parents and leave a bigger legacy for your heirs and favorite charities. Regardless of your net worth, The Value of Debt in Retirement provides tools to use to apply these concepts to your personal situation. There is no free lunch: the book delivers a balanced perspective focusing on the potential risks and benefits of the strategies discussed. A discussion on economic history highlights some of the shocks the economy may face and provides important warnings that you should factor into your retirement plan. Anderson not only shows that your life expectancy may be longer than you think, but also illustrates that many investors may be on track to average returns well under 4% for the next ten years – a potentially devastating combination. Irrespective of your beliefs about debt, The Value of Debt in Retirement proves risk is more important than return for retirees and provides suggestions on ways to minimize that risk. Not all debt is good and high levels of debt are bad. The Value of Debt in Retirement is about choosing the right debt, in the right amounts, at the right time. Perhaps most importantly, this book isn't for everybody. This book requires responsible actions. If you can't handle the responsibility associated with the ideas then this book then it isn't for you. If you need a rate of return under 3% from your investments then you may not need this book. But if you can handle the responsibility and if you need a return above 3%, this book may offer insights into the best (and potentially only) way to achieve your goals.

Calling All Women From Competition to Connection

Author: Sharon Wegscheider-Cruse
Publisher: Health Communications, Inc.
ISBN: 9780757395888
Release Date: 2010-01-01
Genre: Body, Mind & Spirit

When things are not going right and you are hurting or feeling overwhelmed, perhaps what you need is a heart-to-heart talk with someone to gain a new perspective and to shed a new light on your situation. Sharon Wegscheider-Cruse has been having heart-to-heart talks with clients for more than thirty years. In Calling All Women—From Competition to Connection, she crystallizes her understanding and insights gleaned from countless sessions on women's biggest worries, struggles, triumphs, and insecurities. Her understanding and pragmatic advice will help you take charge of your life and learn to make important choices on your own terms. If you find yourself feeling more confused than connected, Wegscheider-Cruse gives you a road map to take the right next steps in a multitude of life's directions, including: Curbing Money Worries · Thriving After Divorce or Losing Your Partner Understanding Spirituality · Dealing with Toxic People · Nurturing Intimacy with a Partner · Overcoming a Major Health Crisis Like Breast Cancer or Heart Attack Coping with Day-to-Day Stress · Living Without Regrets . . . and So Much More! Calling All Women is both a comforting and empowering lifeline for any woman in today's fast-paced world.

Redefining Retirement

Author: Margret Hovanec
Publisher: Second Story Press
ISBN: 9781926739588
Release Date: 2007-01-01
Genre: Business & Economics

Boomer women are passing yet another milestone: RETIREMENT! The first wave of women to enter the workforce in significant numbers benefited from the feminist revolution and fought for a place in the world of work. Now these women are leading the rush for the exits. As they retire, they're wondering what was gained, what was lost, and what comes next. They're stepping out into trackless territory. This is the book that will show them that retirement is not the end of a productive life. It can be an exciting gateway into a future that is challenging and rewarding, always provided that we plan for it. Written by two successful professional women, a lawyer and a psychologist, the book explores the practical, personal and psychological issues surrounding retirement. With clear-eyed vigor and enthusiasm they look at what retirement will mean for Canadian women, and offer concrete strategies for gaining control of the retirement process.

Renew Yourself

Author: Catherine Hakala-Ausperk
Publisher: American Library Association
ISBN: 9780838914991
Release Date: 2017-10-04
Genre: Language Arts & Disciplines

Unplanned careers affect everything and everyone. They can lead to frustration, negativity, and apathy at a time when we need to be focused, energized and motivated. Though your library career might have started “accidentally,” you can overcome organizational restructuring, changing job titles, and shifting responsibilities by cultivating a mindful existence in the library workplace. Building on the simple and fun approach that have made her previous books bestsellers, Hakala-Ausperk offers up a DIY-style program for revisiting personal values, understanding your options, identifying skill gaps, and creating plans for growth. Whether you’re a library veteran who’s feeling burned out, a new LIS grad just starting out, or somewhere in mid-career, this book will introduce methods to help you examine your individual interests, desires, and goals;show you how to understand your workplace’s priorities and culture, and offer tips for identifying where there’s either a match or a gap;demonstrate how you can improve your current position;prepare you to move forward through the creation of a personalized strategic professional plan that addresses professional development, gaining additional experience, and other options for growth;include tips for effective self-marketing, networking through colleagues and friends, and acing an interview;present ways to stay happy and engaged in a new role or position; andoffer guidance for sharing your skills and experience through mentorship, and retiring with grace. Ideal for both self-paced study and team-based staff development, this six-step plan will help readers renew themselves, their careers, and their organizations.

Helping Relationships With Older Adults

Author: Adelle M. Williams
Publisher: SAGE Publications
ISBN: 9781483344591
Release Date: 2016-07-19
Genre: Social Science

Helping Relationships with Older Adults: From Theory to Practice examines the fundamental theoretical perspectives of the aging process with an emphasis on the healthy aspects of aging. Taking a comprehensive approach, author Adele Williams addresses various therapeutic methods as she highlights the strengths and resiliency of the older population. Exercises and case studies demonstrate key concepts and promote skill development by allowing students to experience the various challenges in the lives of older clients.

The Weekend Book Proposal

Author: Ryan G. Van Cleave
Publisher: Writer's Digest Books
ISBN: 9781599637631
Release Date: 2014-04-15
Genre: Reference

Write Better Proposals Faster to Accelerate Your Writing Career! Whether you are a true beginner or a seasoned writer looking to secure more book contracts, The Weekend Book Proposal shows you how to take your best ideas and create powerful proposals--quickly and professionally. No need to spend months laboring over a proposal when in just a few days you can write one that will ignite the interest of agents and editors. Ryan G. Van Cleave presents the tools you need to craft an eye-grabbing proposal for your nonfiction, memoir, anthology, textbook, novel, and more. Jam-packed with proven strategies, nuts-and-bolts advice, sample queries and proposals, interviews with publishing experts, and "Hit the Gas" tips for speeding up the proposal process, The Weekend Book Proposal will show you how to succeed and prosper as a writer--and sell your books before you've even written them! The Weekend Book Proposal explains how to: Write a catchy title and book description. Create a compelling author bio and chapter outline. Develop a targeted, engaging concept statement. Build a strong marketing plan and endorsements list. Structure your proposals based on those crafted by successful authors.

Your Retirement Your Way

Author: Alan Bernstein
Publisher: McGraw Hill Professional
ISBN: 9780071467872
Release Date: 2006-09-22
Genre: Business & Economics

Create a new life plan to thrive in your retirement "In Your Retirement, Your Way, Alan and John lead the way to a new and dynamic definition of retirement. They begin with this exciting premise: the more you clearly identify your own personal style, the more you will experience a powerful and fulfilling next chapter in your life. With the variety of guides and road maps they provide, including a sample version of the Birkman® (a mini-Birkman®), readers can navigate their way to a more confident phase of life that offers both purpose and renewal." --Dr. Roger W. Birkman, Chairman, Birkman International, Inc. After years of focusing on career and family, most of us embark on the next phase of life with only a vague idea of what will make us happy. But you can guarantee yourself a long and successful retirement with Your Retirement, Your Way! Its revolutionary retirement planning approach combines a powerful self-assessment system based on the Birkman Method®--a personality assessment system used by companies and government agencies worldwide--with sophisticated financial planning tools and step-by-step guidelines that allow you to: Define your ideal retirement environment Determine where you are now, financially, and where you want to be Map out a solid plan for realizing your dreams in the shortest time possible