An estimated seventy-eight million baby boomers will hit retirement age in the coming decades. It's an exciting time, but many retirees miscalculate their retirement readiness before leaving their jobs and seeking a more carefree life. In "Don't Eat Dog Food When You're Old " author Roger Roemmich-who has more than forty years experience in the field of finance-presents a big-picture look at what you need to know to plan for your retirement or to better manage the various components of your financial life if you already are retired.

In this guide Roemmich first looks at whether you can afford to retire and then discusses retirement planning and financial management. He introduces his unique CAMP score methodology-considering cash flow, aging, medical needs, and purchasing power-that both provides a basis for quick evaluation of retirement readiness and serves to identify remedies for inadequacies. He also identifies the most important aspects of six key areas and helps show how they factor into having excellent cash flow throughout retirement.

You can calculate your retirement readiness accurately if you know the right questions to ask. Roemmich's guide-which assumes little or no prior knowledge but a keen interest in doing the right thing-helps you move forward carefully and confidently so that you can enjoy financial peace of mind during your golden years.

Straight Talk and solid retirement advice for all Canadians

In the face of government changes, financial market volatility, and an aging workforce, Canadians are understandably concerned about the impact on their finances and their future retirement. This reassuring book debunks the generally-accepted claims about necessary savings rates, which can cause paranoia among those beginning to contemplate retirement. The authors offer greater insight into planning approaches that are not widely understood, demystifies retirement targets (age, savings, income), and outlines concrete approaches to maximizing retirement savings.Offers practical advice for dealing with the changes to Canada's retirement systemIncludes advice for calculating your Neutral Retirement Income TargetContains solid financial advice in accessible languageWritten by the Executive Chairman and Chief Actuary of Morneau Shepell Canada's national actuarial consulting firm

"The Real Retirement" offers a down-to-earth guide for preparing for comfortable retirement and shows what it takes to achieve it.

The purpose of this book is to celebrate a unique generation, ther multitude of 70+ seniors of the 21st century, who lead purposeful, rewarding and independent lives in specially designed retirement communities.The authors, in their early 80's, "live it up" each and every day in their chosen community. With humor, wistfulness, seriousness and common sense, they introduce some of their neighbors and provide a bird's eye view of active life after retirement. With its congenial anecdotes and pithy insights, this volume can give enjoyment to readers of all ages, but will be of most interest to the 70+ folks and their families, who have been wondering how mom and dad will spend their later years. It will answer questions, such as why, when, where and how to choose a community, and give an overview of varied activities in the residents' daily lives. Topics include extending one's perspective, a typical day, pet care, exercise, semi-retirement, coping with illness, forming relationships, and many others.The whimsical illustrations, created by resident, Shirley Walters, depict everyday retirement activities.We invite you to visit our community by leafing at random through the pages of this book. Enjoy Renate Donovan and Patricia Haenslye-mail: [email protected]

The numerical and emotional aspects of planning for retirement

This hands-on resource demystifies financial planning by giving the Enough number: an exact figure specific to personal goals, which can be a target number to aim for in retirement. It shows what changes will help to achieve the number, and offers an understanding of hidden motivations when it comes to spending money. It also provides an overview of the multitudes of investments available and provides conservative guidelines that will help make money, save taxes, and sleep at night.Offers a clear understanding of the different attitudes toward money and includes strategies to achieve goalsIncludes the tools needed to save for later and enjoy rewards todayContains a method for tracking money to help get your finances where you want them to beCovers the details of what it takes to work effectively with a financial advisorWritten by Diane McCurdy, a noted financial planner, speaker, author, and founder of McCurdy Financial Planning

This hands-on guide walks you through a proven program that is designed to keep you on the right track to financial success.

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

Building a comfortable and secure retirement is by no means the preserve of the youthful and brilliant. Many have soared into millionaire-dom later in life after bouncing back from starting late, making mistakes, suffering losses and discovering a strategy that makes a difference. These financial newbies regroup and discover a non-competitive, holistic, long-term and low-cost investment strategy that rejects Wall Street's shenanigans and contrasting values. This book is a story of how two teachers on educators' salaries managed to retire early with financial freedom, without financial advisers. They regained their previous losses as seasoned investors and show you how it's never too late to plan for retirement. Late-Bloomer Millionaires is vignette and observation, reflection and investigation.

If you read the papers and listen to the "experts," you've heard the usual pitches about retirement: you'll need a million dollars so you better start an RRSP early and maximize your contributions, trust the stock market and mutual funds for the best returns and put your faith in a financial advisor. But what if this advice is wrong? By reading this book, you will learn the truth about these myths. You will also be given six free spreadsheets to figure out where you really stand, including the latest "Retirement Optimizer" that allows you to compute your retirement income year-by-year and the "Personal Rate of Return Calculator" so you can determine just how well your investments have done. Find out if you are saving enough ... or too little. Smoke and Mirrors dispels the five main retirement myths: 1. If I had $1,000,000 I could retire. Find out why you might be fine with much less. 2. RRSPs are the holy grail of retirement. Discover what is more important than the size of your RRSP. 3. Don't worry about your investments; you'll be fine in the long run. You'll learn how to figure out the truth about how well your investments are really doing. 4. We have met the enemy, and he is the tax collector. You may be interested in reducing your taxes, but find out why tax shelters may be dangerous to your financial health. 5. Secure your financial future - buy life insurance. Find out who needs it, who doesn't and how to get it cheap.

If you care about your spouse and family,
If you have ever experienced stress about market losses,
If having a safe, secure, predictable income stream during retirement is important,
If you don't have a plan for the high cost of a nursing home or catastrophic illness,
Read This Book.

How many Sunbelt residents have you ever met who have relocated to the Northeast to retire? Why is the vast percentage of migration between these two areas mostly in one direction? What is the lure of the Sunbelt? Why does it shine so brightly in the hearts and minds of Northeasterners? SHELDON BRODSKY (not his real identity) shares some of his own experiences and perspectives on this phenomenon in this humorous tract designed to tickle your ribs while sobering your expectations, many of which could possibly be based upon hearsay or misinformation. Wherever you plan to retire, his message is that you should not mindlessly migrate but rather LOOK BEFORE YOU LEAP, PROCEED WITH CAUTION, AND NEVER COMMIT TO YOUR NEW ENVIRONMENT INTRACTABLY

This book takes a holistic approach to retirement for pre-retirees and retirees. Rather than just focusing on financial matters for retirement, this book explores the 4 Keys to a Safe Retirement: Financial Preparedness, Health & Wellness, Mental Attitude and Staying Involved Many people are thrust into retirement, ill equipped to handle the various aspects of retirement, above and beyond just the financial matters When Jack Tatar lost both his retired mother and father in the course of six months, he heard all about how this can be a common occurrence among the elderly and retired. As one of the world's leading market researchers, Jack was used to asking "why?" What he heard consistently through his research with retirees and their families was, "There's plenty of books and materials about being financially prepared for retirement, but there aren't books and resources that consider all of the aspects that are needed to consider when someone retires. How to take care of their health? What to do with their free time? How to stay connected to friends and create more friends? How to stay positive when your family and friends are moving away and/or dying? Ultimately, they need to understand how to create a safe retirement." This book is the result of the research, findings and experiences that led Jack to create a book that, as he says in the book's dedication to his parents, "is a book that I wish they 'd been able to read before they died." It's a book written for the person considering retirement, the person newly retired, or the person well into retirement, as well as for a friend or a child of any of these individuals. The 4 Keys to a Safe Retirement will help the reader to: - Create a financial plan - Manage your retirement income - Understand the complexities of vital programs such as Medicare and Social Security - Manage your health and learn how to eat healthy - Recognize that exercise is no longer optional and how to make it part of your life - Create a positive attitude that will lead to a longer life - Learn to cope with the difficulties that will occur in retirement such as losing loved ones and being a caregiver - Appreciate the opportunities for travel and volunteering - How to use new technologies and social media to connect with others - And so much more It's not just a book It's also a dynamic resource that includes full access to a companion website, www.Safe4Retirement.com, which provides the latest up to date, relevant information on retirement topics.

Retirement holds many questions for librarians. Smallwood's volume offers insight, inspiration, and tips for those already retired as well as those thinking about retiring. A raft of veteran librarians, financial advisors, and other experts address * Planning for retirement, and how to leave things in good shape for those continuing your work * The pros and cons of taking early retirement, including financial considerations * How to stay connected to the profession after leaving the job by engaging in part-time work and through professional-related activities * Second careers, community volunteering, travel, staying healthy, budgeting, and other post-retirement activities and concerns This book helps librarians navigate a smooth passage into retirement.

Searching for a safe, sane, proven way to a secure your retirement? Look no further than Retirement Breakthrough. This easy-to-follow, comprehensive guide is packed with financial wisdom relevant for today's turbulent times. This book delivers the key information that will help you breakthrough to a world of financial possibilities-all within your grasp. Relying on more than forty-five years of experience as a financial consultant, Dick Duff explains how anyone can use sophisticated financial planning concepts usually reserved for America's wealthiest. These techniques will help guarantee that your retirement income comes on time and all the time. Duff explains: - How to determine how much income you'll need in retirement- How to withdraw money from your life insurance policies- How to use annuities to optimize your retirement income- How to make maximum use of assets you already have, such as IRAs and your home- How to protect your assets and income from unwanted claimants and unnecessary taxes If the idea of annuities, IRAs, and retirement intimidate you, let this book be your income bible. Retirement Breakthrough can help you build peace of mind that will last a lifetime.

TIRED OF YOUR IRA EARNING LOUSY RETURNS IN TRADITIONAL INVESTMENTS? Want to know the secret to increasing returns in your IRA that your investment advisor may not even be aware of? Many people have found great success in investing in real estate over the past few decades but few are aware that you can hold real estate investments within your IRA. Not only can you hold these investments, you can use the power of leverage through non-recourse loans to substantially increase your returns. Within this book you will learn: How self-directed IRAs function. What a non-recourse loan is and how it works. Why your CPA and investment advisor may not be aware of these options. What the IRS has to say about real estate in an IRA. The step-by-step actions to get started earning great returns. You don't have to take the investments offered by your bank or financial institution - you can choose! Rather than watching your retirement funds inch slowly forward, put that money to work and live the retirement of your dreams!

Concerned about your retirement savings? You should be! But you can capitalize on today's market turmoil and enjoy a sound and secure financial future.
"Cash-Rich Retirement" is the book seen on public television that explains a new, less speculative, and proven strategy to help you.
Jim Schlagheck is a private banker and investment advisor to the mega-wealthy, and the coproducer of "Retirement Revolution," a public television series on better retirement preparedness. He has held senior wealth management positions with some of the world's leading financial institutions.
In this book, Schlagheck foresees increasing financial turbulence. Pension underfunding, boomer demographics, and America's "flip" investment psychology are sure to cause financial distress. He explains ways of offsetting these threats and how anyone can employ the success strategies of the super-rich.
"Cash-Rich Retirement" is provocative and practical. Schlagheck's income and ladder-of-annuity strategies are unique. He explains the full range of the country's most recent and most-needed financial products:
- Annuities and ways to give yourself lifetime income.
- Mutual funds, ETFs, and "fundamental" indexes.
- Investments that gain "more" in "up" markets and lose "less" when markets come down.
- Reverse mortgages.
- Health insurance.
You "can" enjoy a sound and secure future---just like the world's financial elite. Whether you're already retired, many years away from retirement, or a financial professional, "Cash-Rich Retirement" will help you successfully protect and enlarge your retirement capital.

Who wants to put up with investing frustrations and complexity when you can be investing stress-free? How would you feel if you never again felt outside the information loop? Truthfully, once you read this book, you won't want to be in the typical financial information loop; it's full of confusing untruths, half-truths, abuse, and scam artists Scripture warns us against using oppression and cruelty in amassing wealth (I Timothy 6:10). Start integrating your beliefs with your financial decisions. Wordhouse and Kuitula wrote this book for women and men who know they need to invest but are too busy, over-stimulated, confused by all the conflicting media messages, don't know how the market works, and don't know whom to trust. They teach you the simple and practical free market philosophy integrated with scriptures. This book is easily understood, comprehensive and contemporary. Most people have made investment mistakes... this book reveals some of ours, some our investors, and some others have made before turning to the Free Market Portfolio Theory. We have written this book so you will have an investment road map, therefore you don't need to experience the financial failures others have already endured. Investing mistakes can be very expensive, so save yourself lots of money and frustrations by learning from our stories. Please do not make these same mistakes

Read Bruce Frankel's posts on the Penguin Blog
"This wise and inspiring book hands down an important message: Happiness is abundant at any age, and only you can limit your options." -"The Boston Globe"
In today's world, the question "What should I do with my life?" only scratches the surface. Now, more and more people-from baby boomers retiring from their "first act" to people in their forties and fifties reconsidering their careers in a recovering economy-are finding themselves wondering how to find new stimulation and meaningful work over a lifetime. Bringing together a diverse array of stories, veteran journalist Bruce Frankel brings to life a mesmerizing series of profiles of men and women who discovered a new calling, success, or purpose later in life. Brimming with inspiration and humanity, "What Should I Do with the Rest of My Life?" celebrates activists, artists, entrepreneurs, filmmakers, and others who found extraordinary ways to experience true fulfillment in the second half of life.
On these pages, readers will meet a civil servant, laid off at age fifty-two, who enrolled in graduate school, earning a Ph.D. in psychology; a former consultant who began a microfinance program in Africa; a longtime contact-lens grinder who has chiseled twelve hundred stone heads on a property now known as the "Easter Island of the Hudson"; and many others who proved that age is a spark-not a barrier. Full of spirit and plenty of chutzpah, this book shows that anything is possible in any stage of life.

Americans are now living for up to thirty years after retiring. Are you ready? In What If You Live? author and CERTIFIED FINANCIAL PLANNERTM professional, Paul M. Gargano, offers advice, investment strategies, and motivation for taking charge of your future.

In this financial guide, Paul shares his philosophies on investing. He views the investment world as if it were one very large ocean: calm at times, violent at times, but always unpredictable. The key to wise investing is determining which boats best fit the risk and goals of each individual. By using a "multiple boat philosophy," retirees (and retirees-to-be) are more likely to weather any type of market situation. With the changes in today's economy, some of the old rules no longer apply; you can't be too prepared for retirement.

With simple strategies, thought-provoking questions, and empowering knowledge, What If You Live? motivates you to start preparing for your future now. With proper planning, you may significantly increase the likelihood that you will be able to live a comfortable lifestyle in your retirement and twilight years, no matter what the market does.

A leading financial adviser offers a groundbreaking and simple approach to tackling personal finance by breaking down formulas used by the most successful businesses.
A troubled economy calls for answers. People need sound, easy-to-follow financial advice that can be implemented immediately. For the first time, a leading financial adviser has developed a remarkable set of guidelines to give individuals the same kind of objective insight into their personal finances that successful businesses have. "Your Money Ratios" will help readers effectively manage debt, invest prudently, and develop a realistic and effective savings plan to ensure both financial success and security. Readers need only plug their income and age into Farrell's ratios to get an instant picture of their savings status and overall financial health, as well as a road map for the important choices for the future. Some key ratios include:
? The Capital-to-Income Ratio: how much capital (savings) you should have if you plan to retire at 65
? The Mortgage-to-Income Ratio: the maximum mortgage debt you should carry and still have sufficient capital left for comfortable savings
? The Education-to-Average-Income Ratio: the amount of education- related debt you can safely incur based on anticipated average earnings after obtaining your degree

In this ever-changing world of finances, it's good to have a reference book written in easy-to-understand terms that provides the tools to help manage your day-to-day money issues. Map Your Financial Freedom is that reference book. It is packed with real-world examples, tips and tools to help you make smart and profitable financial decisions. In this book you will learn how to: Use your budget to set financial goals Manage credit responsibly Avoid pitfalls when buying your dream home Craft a realistic savings plan for retirement Live sensibly in your golden years

DON'T PANIC. RULE!
Market turbulence has made opening monthly 401(k) statements shocking rather than reassuring. Michael "Waxie" Parness can help.
The standard strategies and advice regarding your retirement accounts are NOT working. Many people's 401(k)s are now 201(k)s, and it may get worse. YOU need to take control of your retirement, and your life. "Rule Your Freakin' Retirement," through practical and pragmatic advice and examples, will teach you alternatives to the "buy, hold, and pray" strategies most investment advisers give. In today's world you need fresh ideas, and this book gives you the tools you need to not only protect what you have in your IRA, but to grow it in an aggressive, time-tested, yet easily managed way. And, yes, a safer way!
Building on his successful "Rule the Freakin' Markets," master trader and motivational speaker Michael Parness applies the same aggressive strategies to normally ignored or undermanaged 401(k), IRA, and other retirement accounts. Contrary to conventional wisdom, Parness argues that no matter what age you are, NOW is the time to adopt active, aggressive, and controlled strategies to ensure a fully funded, real retirement on your own terms, not subject to market gyrations out of your control. He outlines, in plain language, bold but practical strategies emphasizing research and tailoring approaches to individual needs.
With record numbers of baby boomers entering or nearing retirement, and succeeding generations caught by a volatile economy, "Rule Your Freakin' Retirement" offers tangible, proven, no-nonsense advice that all can profit from, in the engaging Waxie style.

Funny, entertaining, sobering, and informational &#8220tales from the trenches&#8221 by Doug Robbins, a master intermediary who always finds a way to help owners restructure or sell their business.
&#8212 Patricia Lovett-Reid, Senior VP, TD Waterhouse Canada
&#8212 Andy Holloway, Features Editor, Canadian Business
&#8212 Russell Robb, author of "Buying Your Own Business"
&#8212 Timothy A. Brown, President and CEO, ROI Corporation
&#8212 Philip Porado, Executive Editor, Advisor Group

This book will change the way you think about and invest in your retirement savings plan-forever.
Internationally bestselling author and consumer advocate Dan Solin challenges some basic and misguided assumptions about traditional retirement plans to reveal that:
? 401(k) and 403(b) plans are laden with Porky Pig fees, poor investment choices, and conflicts of interest. You may be better off just saying "No "
? There is a simple way to make "smart" choices in these plans- and this book shows you "exactly" what to do and which funds to avoid.
? There is one investment that could be the key to a successful retirement plan. You can do it yourself, with pre-tax or after-tax money. Create your own, inflation-proof pension plan that is guaranteed to provide you with monthly income for as long as you live, and beyond
Smart Investing is not complicated. You have the power to make meaningful changes to your retirement savings plan-no matter what your age or financial status.
"If you haven't taken a recent look at what your own retirement investments are doing and-perhaps even more important-how they are put together, reading Solin's smart little book might provide the impetus for action." -"Miami Herald"