Is this the right book for me?Are you only a few years away from retirement and fearful of how you will manage, particularly in the current financial climate? This book is aimed at those about to retire who want to make the most of their money in retirement but it's about much more than just pensions. All other aspects of managing finances for retirement are covered, from getting the best deal on a current account to leaving an inheritance in the most tax efficient way. And all in just one handy, portable book complete with jargon-buster!Each chapter covers a specific aspect of retirement finances providing the facts in an understandable way, along with advice and tips. Throughout the book, case studies and the author's extensive personal experience of dealing with pension planning are used to clearly illustrate the points being made. No book can replace specific tailored advice from an expert but this book will help you to make more of your money through your own actions and tell you exactly where expert help is needed.Written in a clear and reassuring way it will melt away the mystique of pensions and tackle the all-round financial aspects of planning for a comfortable retirement. Plan a Secure Retirement includes:Chapter 1: What do you want from retirement?Chapter 2: Things to consider and researchChapter 3: How much money will you need?Chapter 4: Understanding pensionsChapter 5: Pension choices: part 1Chapter 6: Pension choices: part 2Chapter 7: Shopping around for a better pensionChapter 8: Tax and National InsuranceChapter 9: Investment basicsChapter 10: Investments: deposit accounts and National SavingsChapter 11: Collective investmentsChapter 12: Investments: pensions and annuities Chapter 13: Ongoing investment strategyChapter 14: Equity releaseChapter 15: Getting adviceLearn effortlessly with a new easy-to-read page design and added features:Not got much time?One, five and ten-minute introductions to key principles to get you started.Author insightsLots of instant help with common problems and quick tips for success, based on the authors' many years of experience.Test yourselfTests in the book and online to keep track of your progress.Extend your knowledgeExtra online articles to give you a richer understanding of retirementFive things to rememberQuick refreshers to help you remember the key facts.Try thisInnovative exercises illustrate what you've learnt and how to use 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]

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 comprehensive guide to 401(k) investing as well as a manual for applying the proven process of Value Averaging to your 401(k). This book will help you better understand your 401(k) and potentially generate increased retirment income through Value Averaging your 401(k). In addition, you will: Fully understand the benefits of 401(k) investing Avoid making costly 401(k) investment mistakes Understand the power of Value Averaging Achieve higher 401(k) returns through Value Averaging Increase your level of retirement income Apply the easy-to-use Value Average CalculatorT Visit www.401kFortune.com

Do you know your Number?
What happens if you don't make it to your Number?
Do you have a plan?
The often-avoided, anxiety-riddled discussion about financial planning for a secure and fulfilling future has been given a new starting point in "The Number" by Lee Eisenberg. The buzz of professionals and financial industry insiders everywhere, the Number represents the amount of money and resources people will need to enjoy the active life they desire, especially post-career. Backed by imaginative reporting and insights, Eisenberg urges people to assume control and responsibility for their standard of living, and take greater aim on their long-term aspirations.
From Wall Street to Main Street USA, the Number means different things to different people. It is constantly fluctuating in people's minds and bank accounts. To some, the Number symbolizes freedom, validation of career success, the ticket to luxurious indulgences and spiritual exploration; to others, it represents the bewildering and nonsensical nightmare of an impoverished existence creeping up on them in their old age, a seemingly hopeless inevitability that they would rather simply ignore than confront. People are highly private and closed-mouthed when it comes to discussing their Numbers, or lack thereof, for fear they might either reveal too much or display ineptitude.
In "The Number," Eisenberg describes this secret anxiety as the "Last Taboo," a conundrum snared in confusing financial lingo. He sorts through the fancy jargon and translates the Number into commonsense advice that resonates just as easily with the aging gods and goddesses of corporate boardrooms as it does with ordinary people who are beginning to realize that retirement is now just a couple of decades away. Believing that the Number is as much about self-worth as it is net worth, Eisenberg strives to help readers better understand and more efficiently manage all aspects of their life, money, and pursuit of happiness.

This is just the beginning… Retirement is a fresh chapter, another adventure and permission to try something new. It’s also a great time to take care of your health, your money and your everyday happiness. This is the essential guide to your new life of opportunity, relaxation and enjoyment, whether you’re in need of inspiration for holidays and hobbies or advice on staying active, mentally sharp and emotionally fulfilled. Practical, insightful and enlivening, these ideas are perfect for any newcomer to full-time freedom.

Retirement is a time ripe with exciting possibilities that offer fresh choices and the opportunity for a brand new start. Expectations are high now that you have the time and the resource to finally fulfil some long-held wishes and you can now start living the kind of life you've always dreamed of. But retirement is also a time of huge adjustment, both financially and emotionally. All those supposedly life-changing opportunities and choices can, in reality, seem confusing and overwhelming; you've lost your previous professional identity and the prospect of those long, empty days can appear daunting, dull and depressing. So how do you make sure that your retirement turns out to be everything you've always hoped it would be? Brilliant Retirement will help you weigh-up and clearly think through all the opportunities and possibilities that retirement is likely to present and will show you how to plan and prepare so you can approach and live out your retirement with confidence. Deciding when to retire is the first step and these days the choices available are more diverse than ever. Reduced hours, voluntary work, flexible working and career changes are just some of the alternatives to simply stopping work. But how do you choose which, and when, is right for you? Brilliant Retirement will explain all the options, helping you make reasoned and well-informed decisions. Financial concerns are a big consideration and often at the top of any retiree's list. So Brilliant Retirement will help you assess your current and future financial position to make sure it is healthy and robust enough to cope with the likely demands of retirement. A fit mind and body are vital and this book offers a wealth of advice on remaining physically fit and mentally sharp so you can enjoy a long, happy and fulfilling retirement. How do you fill and make the most of all that extra time you'll suddenly have? And how do you manage and adjust to the inevitable changes you will experience in your relationships? Brilliant Retirement will explain what may happen and why, it'll describe the pitfalls to avoid and show you how to make some small changes that will ensure all remains fine on the home front. This book is the culmination of one retired man's mission to bring together everything he wishes he had known when he was retiring; all the information and advice he was unable find when he needed it most. The result is an enlightening, informative and practical combination of personal experiences and the latest research which will help you to make your retirement the best, most happy and most fulfilling time of your life.

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.

Achieve Anything is a life-changing book that helps you see how you can master your mindset, take action now and develop the critical habits that will help you deliver mind blowing results with anything you dare to achieve. This essential how-to guide is for all of you ready-to-roll'ers and tired-triers of the world who would love a fast and simple solution to start achieving more, from your regular day-to-day to-do's to your wildest dreams! Achieve Anything is here to help you do just that. It will show you how to achieve more and enjoy it. It is: * Easy to read, * Easy to understand, and * Simple to implement. That trio makes it easier to get the results you want! If you follow the 7 simple steps in this book, you will pursue only those goals which matter to you, achieve them sooner and enjoy the process more. You will learn about the knowing-doing gap, the expectation versus reality gap, the 7-Day Success Cycle and the MTO goal-setting method and how they, amongst others, will help you build strong habits to achieve your dreams. If you have struggled to achieve everything you want, this is the time for you. This book will help you get comfortable, build your confidence and start to achieve anything you desire. Read this book, put in the effort and watch your life change!

It can be scary to approach retirement and realize that you're not financially prepared. The situation doesn't get any better when you consider factors such as increasing longevity, reduced and underfunded government pensions, and increasing health needs requiring expensive insurance coverage.Author Jeremy Foxon, a shipping and logistics professional, has improved his own retirement outlook even though he started saving late. Now he shares solutions to help you boost savings--no matter where you live. This guidebook can help you assess your current financial position; build a stock portfolio that can create wealth quickly; invest in alternative financial products; and evaluate your options so that you can make the right decisions.

Whatever your situation, it's never too late to take action to achieve retirement goals. Enjoy your later years and leave behind a legacy for your children, loved ones, or a cause you care about with A Late Starter's Guide to Retirement."None of us have the luxury of turning back the clock. We have to move forward by making the best of what we have. You might even find that you have more than you think, thanks to Jeremy Foxon, who will show you how you could change your financial fortunes for the better."--Dr. David Kuo, CEO of the Motley Fool Singapore

An attractive, easy to use library of information about productive activities that are available to help retirees lead stimulating and fulfilling lives. "365 Ways... DEGREESR includes suggestions for how a retiree can become involved in education, environmental activities, competitive sports, volunteering, politics, hobbies, and international travel.

DEGREESI365 Ways..." is the product of a collaborative effort of two experienced professionals in the field of aging. They have brought together, in one attractive, easy to use guide, a library of information about various activities that are available to help retired persons lead stimulating and fulfilling lives.

"365 Ways..." includes hundreds of suggestions for retired persons to become involved in service to the community, additional education, environmental activities, competitive sports, volunteering, politics, hobbies, and travel here and abroad. Most importantly, "365 Ways..." provides the reader with an essential resource for where to go to obtain more information about the different activities -- information that has never before been compiled in one easy to use book. This is a necessary reference tool for all public libraries and for special collections for the retired.

It's not your imagination: the wealthy "do" get wealthier, while you still struggle from paycheck to paycheck. In this eye-opening money manual, seasoned certified public accountant Joseph Rouse explores why millions of hard-working, middle-class Americans like you have such a hard time making ends meet and then delivers a no-fail plan for taking charge of your financial destiny.

Rouse examines today's social, political, and economic realities that force most people to work long hours and even multiple jobs just to get by. And he tells how and why, if you aren't careful, you will most certainly lose your ability to retire at all.

Rouse's must-have guide to financial freedom delivers the tools and guidance you need to stop feeling helpless and start managing your finances with confidence. With his straightforward, solid, empowering approach, you will learn how to overcome every obstacle placed in your way by politicians, mass media, and your own temptations; destroy debt forever; and get on your way to building an impressive nest egg for yourself and your family.

At last, anyone and everyone can get ahead, achieve financial security, and enjoy a much-deserved, rich retirement

This innovative volume presents the personal aspects of retirement--the feelings, pleasures, and problems of this life event, expressed in the words of retirees. The author considers work patterns prior to retirement, the decision-making process itself, and the aftermath of the decision to retire. This passage of worker to retiree addresses concerns and questions that are important to many of those about to retire: how working conditions and other factors can affect the decision to retire; problems of a workaholic; how to handle leisure interests on a full-time basis; widowhood and retirement; depression; retirement insurance; mandatory retirement; volunteer work; and many other topics. The retirees include men and women who are blue- and white-collar workers, hourly paid or salaried: CEO of a major international corporation; social worker; college instructor; dentist; journalist; production controller in manufacturing; automobile dealer. Thus readers can easily identify with others who have made this journey before them and share their experiences, becoming more knowledgeable and more confident about their futures.

Tell 'em That's MY Money You're Messing With is an invaluable resource for anyone who plans on one day retiring or who is already retired. It contains the fiduciary practices from The Center For Fiduciary Studies at The University of Pittsburgh making it an invaluable report for: All 401(k) participants; who unwittingly may be subjected to an employer's negligence, resulting in a hidden yet large loss to their portfolios. All employers who have delegated the 401(k) responsibilities to other professionals, believing they have abdicated their fiduciary responsibility. Most Important; All seniors who wish to safely stay ahead of inflation. Author Gordon Bell AIFA TM brings over 35 years of consumer research experience, going behind the Hidden Data Line to reveal what are essentially trade secrets. In a clear easy to understand language, Bell points out the steps that define prudence leading to a more secure and affluent retirement. Tell 'em That's MY Money You're Messing With, reveals a litany of fiduciary concerns that can lead to getting market like returns with no risk of principal, reducing taxes to 1.5 per cent, and owning long-term care insurance without the costly premium anyone contemplating retirement, no matter their current status.