Rich or poor, young or old, high school or college grad, this book, written by economist Laurence J. Kotlikoff and syndicated financial columnist Scott Burns, can change your life for the better! If you follow the advice in this book, it will raise your living standard (possibly by a lot), improve your lifestyle, and help you spend 'til the end. And it will completely transform your financial thinking, turning every bit of conventional financial wisdom on its head.

If this sounds like a revolution in financial planning, you got it. So do "The New York Times," "The Washington Post," "The Wall Street Journal," "USA Today," "Time," "Consumer Reports," and other top publications that have been featuring the authors' economics-based "consumption smoothing" approach to financial planning.

"Spend 'Til the End" substitutes economic wisdom for the "rules of dumb" that currently pass for financial advice. In the process it indicts the investment and financial-planning industry for giving most people saving and insurance targets that are much too high and then convincing them to invest in risky mutual funds and expensive insurance policies. The result is that most people are scrimping and saving during the years when they could be spending and enjoying their money -- and with no sure payoff.

Easy to read, this book is packed with practical and often shocking advice on whether to work, how to pick a career, which job to take, where to live, what sort of house to buy, how much to save, when to retire, which kind of retirement account to use, whether to have kids, whether to divorce, when to take Social Security, how fast to spend down your assets in retirement, and how to invest.

What is it REALLY like to retire and live in Costa Rica? If you only went by what is written in travel guides and what is hyped by travel agents (and their promotional materials), the conclusion would have to be that Costa Rica is heaven on earth. Unfortunately, things in Costa Rica are simply not as they are presented in the travel books, and expatriates often have problems trying to establish a life there. After the third couple Alfred Stites knew decided to move to another Central (or South) American country simply because of the difficulties in Costa Rica, he decided to write about what it is really like to move to and live in this lovely country. This book is based on his own opinion and observation; he writes what he sees and knows. Also included in this book is a Supplement Section dealing with exactly the steps needed for a retiree seeking Pensionado Status in Costa Rica. For all of its challenges, where else can you find a country of: .exceptional natural beauty .very inexpensive modern housing .a delightful climate .a public transportation system that will take you anywhere you want to go Where you can live very comfortably on an income of $2000/month? Where? The place where they build: Sidewalks in the Jungle! Costa Rica!

The bestselling, hands-on retirement guide from Fred Brock, thoroughly updated and expanded for in-depth advice on housing assets, health-care options, and moreWith "Retire on Less Than You Think," Fred Brock challenged the conventional wisdom on the real costs of retirement and it struck a chord with Americans. Now, as mutual-fund investments continue to be a roller coaster, Brock updates his indispensable advice on finding asset streams, working during retirement, maximizing your health insurance, and choosing a community and housing to show how to manage the quicksand of the housing market (your best asset) pay for the spiraling costs of prescription drugs discover new cost-cutting savings plan for shifts over time in your financial goalsBoasting expanded resource lists and worksheets, "Retire on Less Than You Think "is the best guide available for making your retirementdreams a reality."

A comprehensive guide to 401(k) investing as well as a manual for applying the proven process of Value Averaging to your 401(k). This book will help you better understand your 401(k) and potentially generate increased retirment income through Value Averaging your 401(k). In addition, you will: Fully understand the benefits of 401(k) investing Avoid making costly 401(k) investment mistakes Understand the power of Value Averaging Achieve higher 401(k) returns through Value Averaging Increase your level of retirement income Apply the easy-to-use Value Average CalculatorT Visit www.401kFortune.com

It's not your imagination: the wealthy "do" get wealthier, while you still struggle from paycheck to paycheck. In this eye-opening money manual, seasoned certified public accountant Joseph Rouse explores why millions of hard-working, middle-class Americans like you have such a hard time making ends meet and then delivers a no-fail plan for taking charge of your financial destiny.

Rouse examines today's social, political, and economic realities that force most people to work long hours and even multiple jobs just to get by. And he tells how and why, if you aren't careful, you will most certainly lose your ability to retire at all.

Rouse's must-have guide to financial freedom delivers the tools and guidance you need to stop feeling helpless and start managing your finances with confidence. With his straightforward, solid, empowering approach, you will learn how to overcome every obstacle placed in your way by politicians, mass media, and your own temptations; destroy debt forever; and get on your way to building an impressive nest egg for yourself and your family.

At last, anyone and everyone can get ahead, achieve financial security, and enjoy a much-deserved, rich retirement

As a new manager, you've got your work more than cut out for you: all new skills to learn, different personalities to deal with, and greater responsibilities to fulfill. The New Manager's Tool Kit arms you with the fast, practical advice you need to: increase productivity; unlock hidden talent in your people; work with different types of employees; communicate effectively with your reports; diagnose problems; coach good or problematic employees; turn on teamwork; avoid burnout; eliminate conflict; and, even nurture the next generation of managers! You'll learn how to understand and work with fundamental personal and interpersonal components of your job including attitude, assertiveness, and managing stress and anger. You'll also discover powerful techniques for mentoring and motivating employees, optimizing performance, and encouraging positive and productive communication. In addition, the book covers issues of special relevance to today's workplace, such as retention, diversity, rapid or unexpected change, different generations in the workforce, disabilities, harassment, workplace violence, and more. Ranging from basic skills to those more advanced, The New Manager's Tool Kit helps you take on the many challenges of management without missing a beat, offering you advice, encouragement, and practical, no-nonsense methods for immediately succeeding in your new role. "Useful at every level of an organization, it is a practical and comprehensive guide to becoming a skilled manager of people." (Peter Schwartz, Chairman, Monitor Global Business Network, and author of The Art of the Long View Don & Sheryl Grimme are co-owners of GHR Training Solutions). They train companies and government agencies, including Pfizer, AOL, Nestle-Purina, NASA, and the Veterans Administration, and speak at national conferences. Based in South Florida, the Grimmes travel throughout the US to deliver their training and speaking services.

Every year, millions of Americans retire-and many of them wonder what went wrong. This book deals with the issues of purpose and structure, self-esteem, emotional and social roles, resources, and the special issues of women who retire. Based on the results of a survey of successful retirees, it helps readers to learn from their experiences and benefit from their own hard-won wisdom. Every year, millions of Americans retire-and many of them wonder what went wrong. What they envisioned as a graceful pirouette into the golden years often leads instead to a rude awakening. Why? We all know about financial planning for retirement, but emotional and social planning is just as important. This book deals with the issues of purpose and structure, self-esteem, emotional and social roles, resources, and the special issues of women who retire. Based on the results of a survey of successful retirees, it helps readers to learn from their experiences and benefit from their own hard-won wisdom. In many ways, today's retirees are pioneers, charting new courses for their unprecedented long futures. This book looks at the changing faces, definitions, and models of retirement in order to help those who are looking forward to their own. It enables readers to identify and avoid some of the typical pitfalls of retirement: moving too quickly from a fast-paced schedule to a life of total leisure; giving up home, friends, and community to move to a strange location; expecting your spouse to cooperate with your own retirement plans; and doing too much-or too little.

Money answers for employed children, their parents, the self-employed and enterpreneurs.This book is a starting point for children and parents to understand: .benefits of a Roth IRA .different types of child employment .different ways parents can employ their children .how parents can issue Forms W-2 for their child .basic taxes for children with low earned income .rules for children to contribute to a Roth IRA

It takes more than money to have a satisfying retirement.

Retirement is a time of great expectations. After a lifetime spent making a living, how do we make a new life for ourselves?

Ten Common Mistakes Retirees Make will show you how to find money, meaning and happiness to make your new life great.

"A delightful read that's filled with practical advice for creating and saving both wealth and peace of mind, this book will make a difference in your life. Read it today "
Wayne M. Sotile, Ph.D., Author of "Letting Go of What's Holding You Back"

"What a terrific book Steve really takes the intimidation out of planning for one's financial future. Reading this book is like taking a bath in reassurance and security."
Judith Light, actress

"Whether you are looking to retire in the next four to ten years, are expecting to work for another 20 years, or even if you have already retired, this book is a must read."
Joseph Hall, President/COO Food Lion Stores (Retired)

Are you one of thousands of Americans who are thinking of retiring or have already? Do you have the same questions: When can I quit? Will I run out of money? How can I get organized? When should I start Social Security? Should I pay off the house? What investments are best for me? Do I need long term care insurance?

Do you have personal concerns such as, what should I do with the rest of my life? How do I want to be remembered? What can I give?

This lively book is the author's story from years of advising people about these concerns. Through interesting advice, he offers Seven Lessons for your money and your life. You'll learn the best use of your resources; how to lower taxes; and how to protect yourself from inflation. New products and little known strategies for success will surprise you. You'll be able to avoid the problems most retired people don't know they'll face. The author's practical advice is guaranteed to help you vanquish your money worries.

Although money management is important, the author also stresses that the second half of life is a great opportunity for personal growth in new ways. Plan for successful changes and embrace them

Clients nearing retirement have some significant challenges to face. And so do their advisers. They can expect to live far longer after they retire. And the problems they expect their advisers to solve are far more complex. The traditional sources of retirement income may be shriveling, but boomers don't intend to downsize their plans. Instead, they're redefining what it means to be retired--as well as what they require of financial advisers. Planners who aren't prepared will be left behind. Those who are will step up to some lucrative and challenging work.

To help get the work done, Harold Evensky and Deena Katz--both veteran problem solvers--have tapped the talents of a range of experts whose breakthrough thinking offers solutions to even the thorniest issues in retirement-income planning: Sustainable withdrawalsLongevity riskEliminating luck as a factor in planningImmediate annuities, reverse mortgages, and viatical and life settlementsStrategies for increasing retirement cash flow

In "Retirement Income Redesigned, " the most-respected names in the industry discuss these issues and a range of others.

Questions concerning retirement savings abound, but the one question on everyone's mind is, "How much is enough to provide for the type of retirement I want?" "How Much Is Enough?" provides the answer by helping readers build a customized plan. Author and financial planning expert Diane McCurdy clearly explains how to save on taxes and invest wisely, so that readers can find the money they need to reach their retirement goals. Readers will also learn how to comfortably work with financial advisors and manage the investments needed for retirement. Filled with in-depth insight and practical advice, "How Much Is Enough?" is a refreshing approach to defining retirement goals and building a personalized plan to reach them.

With all of the competing information in the news these days about how--and whether--to reform Social Security, how is a concerned citizen to know which is the right path? This book is the answer. Arthur Benavie gives readers the tools necessary to make decisions on this subject that they and their children will not regret. The US public has been offered false information on this issue, told that Social Security is going bankrupt unless it is reformed immediately. Benavie refutes these arguments and separates the economic facts from ideological value judgments. This book is an invaluable guide to understanding and making informed decisions about one of our most important social welfare systems.

For the multitudes of people entering their senior years, jazz-drumming great Sam Ulano offers a road map to aging well and managing your health, money, and attitude. Based on his personal philosophies and life experiences, "Keep Swinging" provides straight-shooting words of wisdom on such subjects as retirement, dealing with kids, and being alone. His messages--which are filled with anecdotal humor, common sense, and joy--offer a great source of hope and comfort.

Retirement brings with it the promises of leisure and freedom as well as the risks of boredom and isolation. When retirees rid their schedules of anything resembling the kinds of obligations that once had been imposed by work, they will experience a sometimes-uncomfortable absence of structure. In The Experience of Retirement, the distinguished sociologist Robert S. Weiss provides a detailed description of how some people plan their retirement, what life in retirement is like, and what makes for a fulfilling retirement. His engaging book can thus serve as a most useful guide. Weiss shows us both retirement's benefits and its possible costs, both the relief retirees can feel once free of work's stresses and constraints and the discomfort that can be caused by loss of the positive aspects of working life. The book is based on extensive interviews with eighty-nine men and women before and after their retirement from middle-income careers. descriptions of leaving their careers, considering what to do with their time, confronting issues of income in retirement, dealing - sometimes - with social isolation, and reorganizing their lives. The interviews reveal the way in which retirement affects marriages and other familial relationships. Weiss concludes by presenting advice about retirement based on the actual experiences of retirees. For anyone approaching the age of retirement or already retired and looking for a more satisfying post-career life, for personnel managers, health care professionals, and all those who provide services for the retired, The Experience of Retirement will be an illuminating guidebook to this phase of life.

Retirement brings with it the promises of leisure and freedom as well as the risks of boredom and isolation. When retirees rid their schedules of anything resembling the kinds of obligations that once had been imposed by work, they will experience a sometimes-uncomfortable absence of structure. In The Experience of Retirement, the distinguished sociologist Robert S. Weiss provides a detailed description of how some people plan their retirement, what life in retirement is like, and what makes for a fulfilling retirement. His engaging book can thus serve as a most useful guide. Weiss shows us both retirement's benefits and its possible costs, both the relief retirees can feel once free of work's stresses and constraints and the discomfort that can be caused by loss of the positive aspects of working life.The book is based on extensive interviews with eighty-nine men and women before and after their retirement from middle-income careers. Weiss makes vivid their experiences by presenting, in their own words, their descriptions of leaving their careers, considering what to do with their time, confronting issues of income in retirement, dealing, sometimes, with social isolation, and reorganizing their lives. The interviews reveal the way in which retirement affects marriages and other familial relationships. Weiss concludes by presenting advice about retirement based on the actual experiences of retirees. For anyone approaching the age of retirement or already retired and looking for a more satisfying post-career life, for personnel managers, health care professionals, and all those who provide services for the retired, The Experience of Retirement will be an illuminating guidebook to this phase of life.

For the fastest-growing segment of our population, here is a comprehensive guide to starting and running a home-based business in midlife and retirement.
A baby boomer turns fifty every seven seconds, creating what will soon be the largest and most influential senior generation in history. These dynamic seniors have both a desire and a need to continue their working lives past the age when their parents retired.
Boomers have been the primary buyers of more than one million self-employment guides by Paul and Sarah Edwards-and they now have the perfect handbook to take them into the second half of life.
The Best Home Businesses for People 50+ features seventy comprehensive profiles that show how to select, start, run, and build a home-based business suited to the needs, talents, and ideals of the over-fifty generation. Each business listing-for careers ranging in diversity from Makeup Artist to Tax Preparer to Information Broker-addresses the concerns of boomers and seniors, including:
- Businesses that people 50+ can continue working in for 10-15 years.
- Businesses that supplement your retirement income.
- Businesses adaptable to a wide variety of locations.
- Businesses with flexible hours to allow for family, travel, and other priorities.
- Businesses suited to a broad range of health and wellness needs.
Profiles of successful business owners and a treasury of online and easy-to-access resources round out "The Best Home Businesses for People 50+" to create an indispensable resource for this new generation of career-oriented seniors.

Accounts receivable financing is one of today's hottest marketed business strategies. It involves borrowing against your receivables on an interest-only basis and then investing the proceeds in a tax-deferred annuity or life insurance product. The first goal is to successfully arbitrage the simple interest you pay on the loan against the compounded growth within the annuity or life insurance product to increase your retirement funding. The second goal is to remove the value of the accounts receivable away from the reach of business creditors and place it into an asset protected environment. But are these goals really met? Yes or No, depending on how the program is structured. Not all accounts receivable financing programs are alike and, as you may find out too late, nobody looks out for your interests in these transactions. Financing Accounts Receivable for Retirement and Asset Protection presents a candid look at the subject, including the mechanics of such programs, economic underpinnings, asset protection and tax issues. accounts receivable financing is included, plus information on alternative programs, factoring and finding the right program for you is also included.

The Employer's Handbook to 401(k) Savings Plans is a must-have resource for any company that is considering implementing, or is already sponsoring, an employee benefits plan. Author Christian D. Rahaim expertly guides employers through the challenging, ever-changing, and heavily scrutinized processes involved with employee benefits and compensation. this approachable guide more invaluable than ever before. Rahaim covers the three major components of offering a 401(k) savings plan: preparation, implementation, and maintenance. Rahaim walks employers through the plan-selection process, which involves careful research, analysis, and, most importantly, the assistance of outside experts. He continues with advice on putting the plan into practice, investing 401(k) monies, understanding fiduciary responsibilities, and improving communications. The Employers' Handbook to 401(k) Savings Plans also includes a thorough discussion of recent laws, such as the Sarbanes-Oxley Act of 2002 Economic Growth and the Tax Relief Reconciliation Act (EGTTRA). Savings Plans is the only source employers, fiduciaries, advisors, and administrators need to remain informed and updated on the increasingly controversial, legislated, and litigated topic.

Tell 'em That's MY Money You're Messing With is an invaluable resource for anyone who plans on one day retiring or who is already retired. It contains the fiduciary practices from The Center For Fiduciary Studies at The University of Pittsburgh making it an invaluable report for: All 401(k) participants; who unwittingly may be subjected to an employer's negligence, resulting in a hidden yet large loss to their portfolios. All employers who have delegated the 401(k) responsibilities to other professionals, believing they have abdicated their fiduciary responsibility. Most Important; All seniors who wish to safely stay ahead of inflation. Author Gordon Bell AIFA TM brings over 35 years of consumer research experience, going behind the Hidden Data Line to reveal what are essentially trade secrets. In a clear easy to understand language, Bell points out the steps that define prudence leading to a more secure and affluent retirement. Tell 'em That's MY Money You're Messing With, reveals a litany of fiduciary concerns that can lead to getting market like returns with no risk of principal, reducing taxes to 1.5 per cent, and owning long-term care insurance without the costly premium anyone contemplating retirement, no matter their current status.

All About Retirement Funds is a commonsense, practical guide that covers every financial aspect of planning for retirement. Up-todate, in-depth coverage is provided for maximizing the long-term benefits of a 401(k), IRA, pension plan, annuity, Social Security, or other retirement financial vehicle. From determining how much money will be needed, to when and how to begin drawing on retirement reserves, this comprehensive, easy-to-read addition to McGraw-Hills bestselling All About series tells workers everything they need to know to save, invest, and plan for a long and financially comfortable retirement.

Now completely revised and updated, the Jorgensens' classic guide to increasing wealth provides solid advice on investing, paying taxes, buying insurance, and more...in good times and bad.

You can get rich -- regardless of age, income, or marital status -- by simply following the advice of financial duo Jim and Rich Jorgensen. It's Never Too Late to Get Rich explains how to apply their tried-and-true rules of financial planning in any financial climate, taking you through a process built on nine foolproof, easy-to-follow strategies:

• Pay yourself first

• Don't be a lender

• Kill those credit cards

• Be willing to accept some risk

• Build a rock-solid investment portfolio

• Invest with technology

• Delay your taxes

• Buy adequate life and disability insurance

• Work with a financial planner

Here too are invaluable guidelines on saving and investing in a crashing or soaring stock market, on minimizing taxes, and on preparing for big expenditures like education and retirement. Fully updated with information on new ways to earn interest, the latest financial websites and resources, and much more, It's Never Too Late to Get Rich is your reliable guidebook toward the financial security that you've always dreamed of.

Foreword by Richard Carlson, Ph.D. Although retirement brings a mental image of relaxation, often it's a very stressful time. This guide shows new retirees how to have more peace and joy in their lives while getting used to breaking away from the daily office routine.