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Books > Health, Home & Family > Self-help & practical interests > Retirement
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.
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.
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.
In a time of rampant misinformation about ways of growing your
money, Burton G. Malkiel's gimmick-free investment guide is more
necessary than ever. Whether you're considering making your first
investment or contemplating retirement, the fully updated, fiftieth
anniversary edition of A Random Walk Down Wall Street remains the
best investment guide money can buy. Drawing on his experience as
an economist, financial adviser and successful investor, Malkiel
shows why an individual who saves consistently over time and buys a
diversified set of index funds can achieve above-average investment
results. He addresses current investment fads and critically
analyses cryptocurrencies, NFTs and meme stocks. Malkiel reveals
how to be a tax smart investor and how to make sense of recently
popular investment management techniques, including factor
investing, risk parity and ESG portfolios. Investors of every age,
experience level and risk tolerance will find the step-by-step
guidance they need to protect and grow their wealth.
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.
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.
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.
Much of what is written about getting old has a negative feel to
it, which is certainly not entirely unjustified. Health may begin
to fail. Finances may become tighter as income dwindles or stops
altogether. Family and friends may move away or move on. But the
retirement years do not have to be negative or bleak. Within this
"dark scenario," a positive existence is possible. Planning Your
Time in Retirement focuses on the variety of free-time activities
available to retirees as related to their physical, social, and
economic situation in old age, helping readers find out what their
passions are, what the possibilities might be, and how to cultivate
their own leisure lifestyle. For some retirees, a post-work
existence consisting of fun works well, for they have managed to
shape an interesting casual leisure lifestyle based on easygoing
activities that make them happy. Seldom included in the popular
image of leisure, however, are other types of leisure that are also
widely available to retirees. Regardless of means, the retirement
years can consist of activities and pastimes that fulfill the
interests and pursuits of any retiree. A variety of exciting
leisure activities exists, which retirees may pursue within their
financial, physical, mental, and geographic limits. This book
provides a guide-the serious leisure perspective-for exploring
these activities and choosing those that fit one's tastes,
aptitudes, and abilities. At its most appealing, a leisure
lifestyle includes a balance of easy-to-do casual interests as well
as serious ones that require knowledge, effort, and perseverance.
For some, enjoyment and fulfillment may come from engaging in
volunteer work, while for others it may involve leisure activities
from which they gain some form of payment. By employing the notion
of positive simplicity-simple living in the domain of leisure-many
people at this stage of life can delight in these final years.
While time and money cannot be ignored, finding those activities
that allow for engagement, reward, and simplicity can result in
days, even years, of leisure that is meaningful, enjoyable,
healthy, and empowering.
Retirement is a comma in our lives, not a full stop. Life After
Work looks at the psychological, emotional and wellbeing issues
that surround this complex and important transition in life. This
book suggests that retirement is a life stage over which we may
have greater control than previously thought; it no longer has to
be the case that retirement is a terminal point, a time where you
became sedentary and inactive. Retirement is on one level a
private, individual matter that affects one's sense of self and
purpose, physical and mental processes, as well as financial
security or provision. On another level, retirement has an impact
on relationships with loved ones, family and friends, as well as
colleagues. It can strengthen or disrupt bonds, leading to new
bonds being formed or to withdrawal. This book is written by
successful authors and psychologists Robert Bor, Carina Eriksen and
Lizzie Quarterman, each with many years' experience of helping
people cope with life stage changes and prepare for retirement. It
contains illustrative case studies throughout, from which valuable
lessons can be learned, and draws on the very latest psychological
research and techniques to provide a blueprint for planning and
living a wonderful retirement or life post-work. Planning for your
future is crucial in enabling you to maximise the opportunities
available. Following the book's blueprint will help you prepare for
this phase in your life, and the sooner you start the better. Life
After Work will be of great interest to readers of all ages seeking
guidance on retirement and will also appeal to psychologists of
life stage changes.
An accessible and practical guide to personal finance that busts
myths, clarifies jargons and clarifies the best options for
building your wealth More and more people are reassessing their
lives as a result of the pandemic. Many have left their jobs or
reduced their hours. Others have resolved to work only as long as
they must, retiring early to focus on families and friends, hobbies
or travel. Meanwhile, employers all over the world are
experimenting with a four-day week. Making the most of these
choices requires having and growing enough money to enjoy your
future life, without needing to worry about it running out. But
when it comes to investing in a pension, there is a dizzying number
of complex options available. This book is designed to provide
clear, objective guidance that cuts through the jargon, giving you
control over your financial future. The authors strip away the
marketing-speak, and through simple graphs, charts and diagrams,
provide an evidence-based money manual that you can use again and
again. They also alert you to myths and get-rich-quick schemes
everyone should avoid. It's a highly practical and refreshingly
honest book, written by two independent experts who have seen how
the investment industry works from the inside, and how it profits
from complexity, ignorance and fear. They show, in practical
language, how UK savers and investors can beat this system and,
crucially, make more money for themselves than they do for
financial services firms.
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