For the first time in history, women can expect to live well from their sixties for another three decades. A drab existence of retirement, disease and disconnection is not an option for this generation of women. In Older and Bolder, Renata Singer contrasts the stories of the pioneers of active, productive old age against the anxieties of those facing the milestone of turning sixty, considering each viewpoint in the light of revealing research. Older and Bolder is her rallying guide to living audaciously in the last third of your life.

Nonfinancial Defined Contribution (NDC) schemes are now in their teens. The new pension concept was born in the early 1990s, implemented from the mid-1990s in Italy, Latvia, Poland and Sweden, legislated most recently in Norway and Egypt and serves as inspiration for other reform countries. This innovative unfunded individual account scheme created high hopes at a time when the world seemed to have been locked into a stalemate between piecemeal reforms of ailing traditional defined benefit schemes and introducing pre-funded financial account schemes. The experiences and conceptual issues of NDC in its childhood were reviewed in a prior anthology (Holzmann and Palmer, 2006). This new anthology published in 2 volumes serves to review its adolescence and with the aim of contributing to a successful adulthood. Volume 1 on Lessons, Issues, Implementation includes a detailed analysis of the experience and the key policy lessons in the old and new pilot countries and general thoughts around the implementation of NDCs in other countries, including Chile, Greece and China. Volume 2 on Gender, Politics, Financial Stability includes deeper and new analyses of these issues that found limited or no attention in the 2006 publication. The key policy conclusions include: (i) NDC schemes work well (as documented by the experience of Italy, Latvia, Poland and Sweden during the crisis) but there is room to make them work even better; (ii) Go for an immediate transition to the new scheme to avoid future problems; (iii) Identify the legacy costs and their explicit financing during the transition as they will hit you otherwise soon; (iv) Adopt an explicit stabilizing mechanism to guarantee solvency; (v) Establish a reserve fund to guarantee liquidity; (vi) Elaborate an explicit mechanism to share the systemic longevity risk; and, last but not least; (vii) Address the gender implications of NDC with deeper analysis and open political discourse.

It is highly likely that the sale of your business is not going to provide for 100 percent of the earning power that you have received from your business. It's also true that most business owners have unrealistically optimistic ideas concerning the sale value of their business. So how do you, a business owner, prepare for financial independence and a secure retirement? How do you make your business worth more to others so that it's worth more to you? One way is through the Podolny Method, a logical, step-by-step program for initiating real change in your business. First, it helps you determine what you really want. It answers the questions: Why are you in business? What do you expect personally from your business, both now and when your ownership ends and you move on to the next phase of your life? Michael Podolny's eight-step method will help you establish where your business is and how your business works for or against your personal requirements. Most importantly, The Podolny Method provides you with the tools to initiate and sustain the changes that need to take place if you are to make your business to serve you.

After his wife of 44 years died, a retired gentleman living in a Retirement Village started dating another woman. When their courtship progressed to the level where he wished his lady to stay overnight he learned that they would have to report to "mother" the General Manager of the retirement village. How embarrassing for this senior couple to have to report in this manner to a woman in her early thirties. Later, when they decided to live together, they ran into strong resistance from the General Manager who offered three choices for them to choose from that would allow the woman to live with him. All three choices were short of being ridiculous. The woman violently opposed the arbitrary and derogatory way she was treated at the meeting and stated she felt that the Operators were taking advantage of elderly persons who were captive to the terms they set for them to live in their own homes. The General Manager then banned his partner from living in the village, one week before she was to move in with him. This book relates to the day-to-day events that took place before and after the Operators banned the woman from the retirement village. It identifies the extreme powers and favouritism given by the Queensland Retirement Village Act 1999 towards the village land owners instead of to the people who buy the actual homes.

THE ESSENTIAL GUIDE TO LIVING IN MERIDA 2014: TONS OF USEFUL INFORMATION. This guide remains indispensable for anyone thinking of moving to or visiting Merida, the marvelous capital city of Mexico's Yucatan peninsula, often profiled as a "tropical paradise" by the House Hunters International cable television show. The most comprehensive book ever compiled about Merida, this well-organized guide will help answer most any question - from how to buy or rent a house to where you can find a good Italian restaurant. The 2014 edition has been updated and expanded to include the up-to-the-minute information on the NEW IMMIGRATION laws, NEW RULES on importing automobiles, and NEW SHOPPING VENUES in the Historic Center While helping the reader decide how best to go about making the move to the city rated by International Living Magazine as the best area to retire to in the whole of North America, this trove of information and advice will also assist the newly-relocated as well as those with established residence. Topics include information about Merida's neighborhoods; amenities (churches, schools, expat communities, helpful websites, etc.); Medical Tourism; a perfect week as a visitor; Spanish language classes; museums and galleries; making the move to Merida; driving in Mexico; cost of living; hiring household help; banking; an assessment of the real estate market; architects and designers; furnishings; the local artistic community; social customs and holidays; finding a lawyer, hospital or doctor; insurance matters; gay and lesbian communities; taxes; voting; embassies and consulates; as well as consumer advice and warnings. With more than one million Americans and Canadians now living in Mexico, Merida is the center of increasing attention. Often described as a "tropical paradise," a "colonial gem," and a "bastion of tranquility," Merida is undoubtedly Mexico's best kept secret. But is Merida a match for you? Are you ready to become an expatriate? Are you prepared to be a "minority" - a native English speaker in a Spanish speaking country? Are you ready to make a second or retirement home in an exotic and exciting foreign city for that is a ninety-minute flight from the U.S.? Are you thinking about embarking on an adventure of a lifetime? This book will help answer these questions

Marriage has historically helped protect the financial health of couples and surviving spouses in old age. Based on their marriage, and independent of their own work history, spouses may receive retirement and survivor income through Social Security and some employer-sponsored pension plans. Many of the federal requirements governing these benefits were developed at a time when family structures, work patterns, and pensions were very different from what they are today. In recent decades, marriage has become less common, more households have two earners rather than one, and many employers have shifted from DB plans to DC plans. This book examines the trends in and status of marriage and labour force participation in American households; how those trends have affected spousal benefits and retirement savings behaviour within households today; and the implications of these trends for future retirement security.

Why this book? Most books on Retirement are really about Financial Planning or Estate Planning. Not this book This book is about creating a fulfilling life in retirement; it is a crossover book between self-help and retirement. Create Your Retirement: 55 Valuable Ways to Empower the Rest of Your Life entices people to set out their hidden dreams, to reveal their lost hopes and to admit their secret desires, and then to plan a life to include them This book encourages risk taking, honesty, and trusting yourself and others to make a fulfilling life in retirement. This book is aimed at those already retired, and it entices the Baby Boomers who are now retiring in ever increasing numbers. These Baby Boomers have had everything, done everything and will continue to be a driving force in their retirement. They also have a deep hunger to be fulfilled. Many of them have led fast, hectic, shallow lives and they have never explored their souls or their dreams. This book invites them to do both Create Your Retirement: 55 Valuable Ways to Empower the Rest of Your Life encompasses my own experience. I have retired twice AND I am having the time of my life doing the things I've always wanted to do - following my dreams I know that retirement can be the most fulfilling time of life. My coaching clients have left their stereotypical thinking behind, thrown off their insecurities and fears to do great things They have become computer literate, published authors, public speakers and lay preachers. Some have traveled to places they had always dreamed about, others have stepped into roles with family and friends in important new ways that have given them a sense of self-worth and deep feelings of fulfillment. Retirement is a time of living and doing exciting things; it is a time of loving and helping others, and it is about finding the 'real you' within and manifesting that in all its glory For more information about the book please visit www.bmwalker.com

5 Steps to Get Your Business fit is a quick-to-read guide packed with clear-cut advice addressing: Increasing value and decreasing risk Identifying and defining your goals and objectives Planning to be successful The most important value drivers Differences between growing a healthy vs. an unhealthy business

This book won't waste your time. It explains the fundamentals leading to investment success while avoiding the all-too-common "dumbed-down" information that just tells readers what they already know. Sophisticated concepts like "marked-to-market" and "the snapback phenomenon" and "Modern Portfolio Theory" are some of the book's themes that can lead to confidence and success as investors. For retirees, the book's purpose is to provide a do-it-yourself course of action allowing for an "end-run" around the financial services industry with the latter's excessive costs --- costs that eat up what could otherwise have been more retirement income. Knowing how to effectively self-manage assets and implement a mix of cost-effective investments is a critical skill for retirees. Understanding and applying some simple basics will deliver the most on-going income while still combating the disasterous effects of inflation.

Youth is not a prerequisite for adventure. At ages 65 and 75, Martha and Sandy pull up deep New England roots, sell their house, acquire a couple of new knees, toss their doubts and fears out the window, and make a plan. They will spend part of each year in their beloved Maine and part in an exotic place. Starting with New Zealand. Why not South Africa? Why not South America? Why not Antarctica? Slow Travel shows how this intrepid couple finds the wherewithal-financially, physically, spiritually-to live with a capital L and I and V and E at a time in their lives when, let's face it, a lot of people choose to stick close to home. Or if they travel, travel to the usual places. Nothing about Sandy and Martha's series of adventures is usual. They break every stereotype. In the beginning, the question plagued them: Can we afford to go? In the end, it's clear they couldn't afford not to. "Slow Travel" is a fascinating read, and an inspiring one.

UPDATED for 2014 This is perhaps the most encompassing, yet easy-to-understand book on the vital and timely topic of Social Security retirement income planning. It is written by an experienced Certified Financial Planner for soon-to-be retirees who want to learn all about the different claiming strategies for couples and for single persons (whether never married, divorced or widowed). Most people have no idea of what some their real benefit options are -- and unfortunately can be prone to miss out on $10,000's. Before describing what readers will find in the book, let me point out that there is purposely nothing written about Social Security DISABILITY income payments or Supplemental Security Income (SSI). The book's sole purpose is to provide people who are about to retire, with all of the information that they need to make the best Social Security benefit decisions based on their own financial circumstances and retirement goals. In this respect it is an essential planning guide and road map. A quick scan of the table of contents gives a glimpse of the scope and amount of powerful information provided. However, what the table of contents does not show is how 95% of Social Security recipients (both couples and many singles) will leave up to $50,000 of benefits sitting on the table that cannot be retrieved. This is money that they are fully entitled to, but these folks did not follow the little-known claiming strategies described in this book. It's your money, you paid into the system your whole life - so don't miss out on getting every dollar that you can. There are many useful examples given to show baby boomers the full range of their filing options and how to maximize their lifetime benefits. Written in plain English, these examples are meant to encourage you to carefully consider how you can get the most total benefits available under the law. Perhaps one of the most unique portions of the book is where the author combines his expertise of Social Security with his knowledge of income taxes to show readers how it is very possible to cut ones taxable income and their subsequent retirement income tax bill by 50%. The story comparing the Early's, the Waite's and the Best's is worth ten times the price of the book, as it explains how a savvy reader can save $1,000's of income tax dollars each year during their retirement. The chapter about the 3 buckets of investment risk and the 3 taxation buckets is the perfect complement to learning about filing strategies since Social Security was never meant to provide for all one's retirement income. Not only is this discussion vital for soon-to-be retirees, it should be required reading for every American adult before they EVER invest a single dime anywhere. Don't let the low cost of the book fool you. While reading the book, it becomes very apparent that Mr. Orr actually works in the retirement income planning field on a daily basis with the non-stop tips, warnings, things to consider and much more. Everything is discussed in "real world" terms, not useless academic theory. "Social Security Income Planning" is well organized, concise and written in a conversational style, yet it's jam-packed with all the information you need to maximize your Social Security benefits. The advanced concepts and planning strategies are made so simple, that you will be able to explain them to your co-workers... or even to your financial advisor (who very likely has just a vague understanding of the strategies you are talking about) Finally, the book rightfully stresses how your decision to file for your Social Security benefits should not be made on a "standalone basis." That your claiming decisions should be made in conjunction with your overall retirement income goals, your assets and other income resources, your level of adverseness to risk, your (and your spouse's) likely longevity, etc. Buy this book today and become an educated consumer of your Social Security benefits

We've been trained, advised and educated that the key to enjoying a long and prosperous life in retirement depends upon our ability to maximize the growth of our assets so that we have as much retirement income as possible. But as we know, retirement is not the same as it was years ago. Investment challenges, the complexity of investment vehicles, and government intervention have changed the retirement landscape for all of us looking towards a long and thriving retirement. Yet what hasn't changed is the fact that we continue to do the same things that we've done for years when it comes to retirement. So, if you were doing something wrong, when would you like to know about it? Early enough to be able to do something, or do you want to wait until the last possible moment? Currently there are millions of people planning for their retirement and unfortunately what they are doing is wrong. There are many factors for this, including 3 obscure rules from the Federal Government, changes to the cost of healthcare and other items that most Americans are unaware of, that will force people to change their thinking about saving and funding their retirement in the future. In order to help people to save their Social Security benefits, lower their tax obligations, maximize their retirement income and control their health costs in retirement, we've gathered seven of the leading retirement experts writing today to point out the realities of the new rules of retirement and what you can do to take back control of your future. Seven of the leading retirement experts provide the facts, realities and solutions around these topics: oDan McGrath: The New Rules of Retirement oMichael Gerali: The REAL Truth about Medicare and Social Security oRobert Ryerson: Financial Planning for the New Retirement oRobert Klein: The Truth about Annuities oJustin Belair: The New Approach to Estate Planning oJohn Marroni: What to Know about Reverse Mortgages Mike Padawer, author of What's the Deal with Long-Term Care?: The Economic Realities of Long-Term Care With an Afterword by Jack Tatar, author of Safe 4 Retirement: The Four Keys to a Safe Retirement and Having The Talk: The Four Keys to Your Parents' Safe Retirement

The destruction of wealth and loss of investment time in the last 10 years is primarily due to the conventional "wisdom" of Wall Street. This can be avoided-the old way of doing things is flawed and can be changed to benefit the investor. This straightforward and uncomplicated book can guide you with your 401(k) investing. Join me in avoiding "meltdowns" and making event the downturns profitable.The most sensible retirement book you'll ever read