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.

Are you investigating retirement locales, looking to explore a new culture, or researching new business opportunities? This book is packed with practical and useful information as you start the next stage of life, with solid documentation on managing investments, real estate, the cost of living, medical care, and safety, whether you are relocating, traveling, or investing in Costa Rica. Six maps help you situate yourself. And as you tour or get settled, this resource offers tips on where to dine as well as guidance in exploring the beautiful coastal areas and activities special to Costa Rica.

Stop risking everything to make your investment advisor rich The stock market crash of 2008 proved one thing: traditional retirement planning advice simply doesn't work. The risks are too enormous. Trusting the stock market is like gambling with your family's future. But how do you plan for retirement without risking everything? Enough Bull shows you how, with an easy-to-understand, simple-to-apply strategy for a better retirement. Enough Bull overturns the conventional wisdom about retirement planning, and offers the simple secrets to securing a comfortable retirement. In an accessible and straightforward style, this practical guide explains how it's possible to save for retirement starting later in life, retire comfortably on less money, and incur less risk. Updated to apply to both the U.S. and Canada, this new second edition offers a message of hope for average, cash-strapped baby boomers by detailing a step-by-step plan for avoiding all the traps, doing the exact opposite of what the major financial institutions recommend, and still coming out further ahead. * Invest only in safe investments that will never decline * Get out of the stock market and mutual funds forever * Why waiting to save for retirement may beat starting early * Elect to receive the CPP pension at exactly the right age * Avoid the common scams that lead to financial disaster More than ever before, retirees are frightened and stressed out about finances. There never seems to be enough to pay current bills, let alone save thousands in RRSPs and 401Ks, yet the large financial institutions bombard us with fearful messages of destitution unless we maximize our contributions. The truth is this makes them rich, and you poor. Cut through the noise, stop taking the bait, and discover how you can have a comfortable future without sacrificing the present. Enough Bull provides the plan, you just need to act.

Learn how to save and prepare for retirement no matter your age or your income. 12 Ways to Retire on Less offers a roadmap for anyone seeking financial security and peace of mind for their retirement years ahead, regardless of savings or income in the present moment. In a time when fewer retirees have the kind of pension many of their parents had, those looking to retire can be especially vulnerable. But here, the author outlines those steps people can take to ensure their security and enjoy those activities they look forward to in the future. Offering case studies and actionable steps in the form of bullet points, questions and lists, the book focuses on the importance of planning and analyzing one's total financial picture in the context of goals, hopes, and dreams.

Managing your lifecycle in business is the same as flying an aircraft. You initially add some fuel before starting up, you fuel the business with revenue and capital induction as you ascend, you fly along your intended course, and ultimately you bring it in for a safe landing as you exit with a handful of cash. Sounds simple, though the vast majority of businesses fail somewhere along their flight path and face an emergency off-airport landing or worse. The question is, why does this happen to so many small to mid-sized business owners? The reason is simply pilot error, just like in flying. Through a series of distractions, adverse conditions, or fuel starvation, we find ourselves with red indicators. The real problem is a pure lack of experience and formal training. This handbook will assist you in navigating your small to mid-sized business through key employee identification, succession planning, and ultimately value extraction. By using this handbook as a guide to running your business, you will have an appreciation for the need to run your business with an exit strategy in mind. In the end, there are only two options: Succession or Failure.

You have spent a few decades working, earning a salary from your employers, and saving into company and personal pensions along the way. Now, retirement is approaching. How will you turn your savings into a salary to pay for essentials and leisure time in retirement? How will you make sure that you don't run out of money too soon? What do the UK pension freedoms mean for you? In this one-of-a-kind book, personal finance experts Richard Dyson and Richard Evans answer these questions and equip you with everything you need to know to turn your pension savings into an income that will last throughout your retirement. You will learn: -- How to take control of your pension savings by tracking down all of your pension pots and combining them. -- When you can afford to retire. -- Steps to take to avoid running out of money. -- How to build an income-paying portfolio of fund investments from scratch. -- How to withdraw a sustainable income from your portfolio. -- How annuities work and whether they have a role for you. -- How to make the most of the tax rules. -- The contribution made by the State Pension. -- When to seek professional advice.

Finally, there's a money guide to help single women survive and thrive. Single Women and Money is a highly readable guide that helps single women live a financially secure and successful life. It's a book for the millions of unmarried women in America who must make ends meet on a single salary-which is typically less than what men earn. Using stories of actual women, as well as data and experts' insights, the book chronicles the financial issues of single women. It provides the tools needed to tackle their daily and longer-term needs and probes the issues specific to divorcees, widows, women who never married, and single mothers. Single women reveal their moving stories detailing how many have overcome obstacles. From there, the book provides a wide range of specific guidance on money issues targeted to singles. These include saving, spending wisely, managing with children, shedding debt, investing in line with your values, planning for retirement and long-term care, navigating Social Security, paying taxes, landing a job after age 55, protecting financial assets and leaving a legacy. Offering resources women can turn to in hard times, the authors also suggest ways society can, and should, assist single women.

Barry Golson knows all about retiring abroad -- he and his wife, Thia, have lived in six different countries. Now they choose expatriate-friendly locales around the world for their low cost and their high quality of living and explain how to investigate and settle in each country with minimum hassle and maximum pleasure.

Taking you step-by-step through the process of researching, testing, and finally living abroad, the Golsons' practical how-to guide covers all the major issues, including health care, finances, real estate, taxes, and immigration. Each location is profiled by an expatriate writer who has made that country his or her home and who knows how to answer all the questions about living richly and economically in some of the world's most beautiful places.

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 nonrecourse 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

Teachers may retire from their schools, but they never retire from teaching. Teaching, Making a Difference includes two goals. The first is to give guidance to teachers contemplating retirement while helping them to maintain realistic standards for their students. The second goal is to present a multitude of options for just-retired teachers to enjoy their well-earned retirement while still using their knowledge and experience to benefit their communities. Teachers will learn techniques that they can incorporate into their lesson plans as they continue to teach, and upon retiring, they will learn how to develop their own "lesson plan" to take care of themselves and to participate in their communities.

Set yourself up for a successful transition. Retirement is perhaps the greatest and most deeply personal career transition you'll ever make. Will you switch gears, slow down, or stop work entirely? Will you have the money, the good health, and the companionship you need to enjoy it? The HBR Guide to Designing Your Retirement provides the practical tips, research, stories, and advice you need to take stock of your skills and interests and define retirement for yourself. You'll learn how to: Assess your readiness to make the transition Craft a plan to slow your pace—or stop working altogether Experiment with possible future selves Find new ways to apply old skills Communicate your plan to key partners Bridge your old identity to your new one Stay connected Arm yourself with the advice you need to succeed on the job, with the most trusted brand in business. Packed with how-to essentials from leading experts, the HBR Guides provide smart answers to your most pressing work challenges.

Teachers may retire from their schools, but they never retire from teaching. Teaching, Making a Difference includes two goals. The first is to give guidance to teachers contemplating retirement while helping them to maintain realistic standards for their students. The second goal is to present a multitude of options for just-retired teachers to enjoy their well-earned retirement while still using their knowledge and experience to benefit their communities. Teachers will learn techniques that they can incorporate into their lesson plans as they continue to teach, and upon retiring, they will learn how to develop their own "lesson plan" to take care of themselves and to participate in their communities.

With unique and proven strategies for wealth accumulation, More Wealth, Less Taxes is designed for individuals seeking ways to pay lower taxes during their lifetime-especially during retirement. As a veteran in the financial services industry, Lance Belline knows how essential it is to save strategically and understand how the tax code works. More Wealth, Less Taxes is his guide for anyone who wants to go from "good" to "great" financially. Filled with real-life examples and stories of clients growing their wealth before -and after-they learned of the bucket strategy, Belline's guide helps individuals gain confidence, peace of mind, and clarity of how they should save and invest. His approach is designed for anyone seeking to learn more about potential tax savings, wealth creation, and financial pitfalls to avoid.

Managing your lifecycle in business is the same as flying an aircraft. You initially add some fuel before starting up, you fuel the business with revenue and capital induction as you ascend, you fly along your intended course, and ultimately you bring it in for a safe landing as you exit with a handful of cash. Sounds simple, though the vast majority of businesses fail somewhere along their flight path and face an emergency off-airport landing or worse. The question is, why does this happen to so many small to mid-sized business owners? The reason is simply pilot error, just like in flying. Through a series of distractions, adverse conditions, or fuel starvation, we find ourselves with red indicators. The real problem is a pure lack of experience and formal training. This handbook will assist you in navigating your small to mid-sized business through key employee identification, succession planning, and ultimately value extraction. By using this handbook as a guide to running your business, you will have an appreciation for the need to run your business with an exit strategy in mind. In the end, there are only two options: Succession or Failure.