You've served your country, now let the country serve you Veterans Benefits Guide For Dummies is your clear and concise guide to the benefits available to you from the VA and other government organizations. You have access to physical and mental healthcare, financial services, long-term planning, education, and much more. This book explains how to make sense of and take advantage of the extensive benefits program offered to veterans in the United States. You'll learn what you're eligible for, how to file applications and claims, and how to appeal decisions. This book covers the most recent benefits available, including vocational rehabilitation, life insurance, home loans, pensions, burial benefits, and survivors' benefits. With Dummies, you can navigate the paperwork to make sure you're getting everything that's available to you. Figure out the VA benefits system and learn what paperwork you need Discover the pros and cons of veterans' services versus civilian services Develop a smart financial plan with a good understanding of military pensions Find and secure benefits you may not have known about - for yourself and your family Newly separated and seasoned veterans alike will love Veterans Benefits Guide For Dummies. We make it easy to get what's coming to you.

This book posits that retirement security is the central policy concern of our time. A generation of 'Baby Boomers' is on the verge of retirement, yet pension systems confront crushing challenges, and governments often appear confused about which direction they should move in. Contributors to this volume clarify the discussion by addressing the question: 'What are the new risks and rewards in pensions, and what paths can stakeholders chose to solve these problems?'. The chapters set their sights on employees' needs and expectations, employers' intentions and realizations, and policymakers' efforts to resolve the many challenges. Despite the fact that retirement systems face deep stresses exacerbated by volatile capital markets, poor corporate earning streams, weak macroeconomic performance, and international turmoil, nevertheless, contributors in this volume show courage and creativity in plotting the course over uneven terrain. In the book, three aspects of the evolution of risk and reward-sharing in retirement are evaluated, to offer guidance to pension fiduciaries, plan participants, and policymakers. First, it formulates new perspectives for assessing retirement risks and rewards. Second, it evaluates efforts to insure retirement plans. Third, it proposes several new strategies for managing retirement system risk. The volume represents an invaluable addition to the Pension Research Council/Oxford University Press series. It will be especially useful for managers working toward more efficient pension plans; to scholars and policymakers seeking to maximize pension design effectiveness; and to actuaries and tax specialists concerned with pension regulation. The Pension Research Council at the Wharton School of the University of Pennsylvania was founded 50 years ago to encourage research and teaching on pensions and retirement security. Council projects address the long-term issues that underlie contemporary concerns and seek to broaden public understanding of these complex arrangements through research into their social, economic, legal, actuarial, and financial foundations of privately and publicly-provided benefits.

It is the first in a series titled 'Financially Fit'. My motivation for writing this series came from seeing thousands of people, including close friends and family, struggle with money throughout their working lives, never reaching a point of financial freedom. At the surface it seems so simple: provide for yourself today, whilst building your wealth to a point where you are financially secure enough to support yourself for the time when you no longer want, or are unable, to work. However, the reality is very different for most people. Very few ever achieve true financial security and the majority of the population find that "money worries" rob them of their day-to-day peace of mind. From a young age I saw my parents struggle with this as well. Arguments over money - how and where it was being spent, and worry over whether there would be enough to last until the next payday, let alone trying to save extra for the future placed tremendous stress on their marriage. This was ultimately a major factor in their divorce when I was in my early 20s. This shocked me. I couldn't understand why they were not able to get this part of their lives together. It shouldn't have been that hard. I made a commitment to myself that I would not make the same mistakes - I would have a different future. This commitment marked the beginning of my journey to discover the differences between those that have and the have-nots, the people who did become financially secure versus those that did not. What I discovered is that the pathway to financial security is actually quite simple. However, "simple" doesn't necessarily mean "easy." Like any fitness program, it involves re-training and discipline. For most people this means un-learning the wrong financial habits, and learning some new and effective strategies to develop financial fitness. The great news is that just about anybody can learn these new habits, put them into action and become financially fit within just a month or two. What I have tried to do in this series is to create a simple step-by-step "how-to" guide. My original motivation of putting 'pen to paper' was, and still is, to produce a blueprint that my children can follow. This book provides the way forward to how they can start providing for their futures today. The books in this series go further than just discussing the principles and values of becoming financially secure; they also offer practical tips and techniques that you are able to apply in your own life. My wish is for you to experience the peace of mind that comes with giving yourself permission to enjoy your life now, with the confidence of knowing that you're becoming financially secure with each passing day.

If you realize that you are overspending resulting in a depletion of your savings account, it's time to keep your spending in check. It takes a lot of discipline to stick to your financial plan. However, keeping to a financial goal is not that difficult if you start with the basics. Fortunately, there are effective strategies you can adopt to make sure you follow through on your good financial intentions. Miranda Grey examines these strategies such as being specific in her book How to Save Money. Be specific about what you want to achieve out of your financial plan. Decide how much you should save each month or how you should pay off your credit card debt. For example, specifying $200 as the sum you should save each month will help you to visualize and reach that target instead of simply saying 'I'd like to save some money per month. Likewise the motto 'Cut down on grooming expenses' sounds vague and less concrete. How about turning it to 'Spend no more than $100 each month on grooming'? This puts your goal into perspective. Grab your copy of How to Save Money

Everyone with a view to retirement has received and continues to receive unending financial advice on retirement. The advice comes from family, friends and professionals. There is such a plethora of advice on the subject that you invariably wonder what is correct. Your parents probably started the conversation on saving for your future by saying something like: "Put aside something for a rainy day " or "Don't put all your eggs in one basket " While there are many very financially astute family members and friends, every individual retirement case is different, and a non-professional may easily overlook factors that do not personally affect them, or that they have not encountered. The truth is we need to get retirement financial advice from a trusted professional who deals with financial planning for a living. In this book, Jeff Cirino, EMBA, CFP(r), a professional financial planner and Celebrity Expert(r), gives you much to ponder over. He has a wealth of experience and will guide you to review your portfolio carefully. An advocate of fee-based financial advice, his is an objective approach to your most important r etirement decisions. You owe it to yourself to read this book. You will make better financial decisions and you will better understand the questions that need to be as

This is a guide for baby boomers who are about to retire from an all-consuming profession, and are concerned about what they are going to do next. Retirement for Type "A" overachieving professionals can be an opportunity to do something else that is equally as important as what they once did. This book explores the nature of change, balance, aging, health, boredom, solitude, thankfulness, volunteering, mentoring, freedom, legacy and the art of piddling.

Revised and Updated: Find out why conventional retirement wisdom fails to address the new, game-changing realities and learn to think differently about your retirement. Take steps to shelter your dreams from the coming "perfect storm" headed for America's retirement system: The retirement of the baby boom generation, increased life expectancy, and the rise of 401(k) plans means old definitions no longer apply. Develop the tools that will allow you to redefine retirement in a way that accounts for these new challenges. Break through outdated ways of thinking about retirement with Robert Krakower's practical and unflinching guide to the risks and opportunities awaiting anyone who wants a winning retirement plan in the 21st century. Written for the layperson in plain and simple language, Redefining Retirement for a New Generation exposes the hazards to a secure retirement that the financial media continues to gloss over. The book is a generational call to arms for anyone worried about the impact of current trends on the retirement system in general and his/her own retirement plans in particular. Get behind the scenes of the mutual fund industry, and discover the real reason why mutual funds perform so poorly. Apply the 401(k) plan checklist to your own employer's retirement plan and see how it stacks up against the ideal plan. Understand the pros and cons of the "buy-and-hold" slogan for modern retirement investing, and take control of your retirement as a member of the new generation.

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!

A curated collection of the best retirement advice from financial advisor Julie Jason's acclaimed nationally syndicated column. Being able to retire securely, with enough income to last--and allow you to enjoy--your post-work life, is a major concern not only for seniors, but for everyone. And you shouldn't wait for the last minute to plan. To make sure you're ready, take the advice of Julie Jason, an internationally recognized authority on retirement savings whose popular column receives fan mail . . . with plenty of questions. Organized in 10 sections, each following a theme, Retire Securely is her accessible, easy-to-read collection of need-to-know facts about a process that can be intimidating to even the most knowledgeable investors. Jason discusses investor protection, estate planning, college, 401(k)s and IRAs, the stock market, and more! Winner of: The 2018 Best Books Award for Personal Finance/Investing The 2018 London Book Festival Runner-up for General Non-fiction The Fall 2018 National Association of Book Entrepreneurs (NABE) Pinnacle Book Achievement Award for Business The 2018 Instruction and Insightful Non-fiction (I&I) Book Award, a division of the Chanticleer International Book Awards (CIBAs), Semi-finalist The 2019 Feathered Quill Book Gold Award for the Informational category The 2019 Axiom Business Books Bronze Medal for Personal Finance/Retirement Planning/Investing The 2019 EIFLE Award (Excellence in Financial Literacy Education) The 2019 CT Press Club award - Second Place in the "Nonfiction Books for Adult Readers - General Nonfiction" category

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.

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.