Download or read book Retirement Income for Life written by Frederick Vettese and published by ECW Press. This book was released on 2020-10-20 with total page 202 pages. Available in PDF, EPUB and Kindle. Book excerpt: Canada’s #1 bestselling retirement income book is now completely revised and updated. Vettese will show you how to mitigate risk and secure your financial future in these unpredictable times. As COVID-19 rocks the economy in an unprecedented black swan event, retirees and those who are preparing to retire need answers to pressing questions about their financial futures. Originally published in 2018, the second edition of Retirement Income for Life, has been completely revised and updated, and now includes: New chapters on early retirement, retiring single, what to do when one spouse dies young, and more. Three strategies for mitigating your personal financial risk in the current downturn in equities and other investment products. Advice on how to plan for (and even benefit from) the coming bear market, resulting from COVID-19, which will create unprecedented equity buying opportunities, possibly as early as 2021. Information on the impact of unbearably low interest rates on annuities and fixed income investments and what to do if you hold them. The reasons retirees should be deferring CPP until age 70 and why the case for this is stronger than ever. Author Frederick Vettese demystifies a complex and often frightening subject and provides practical, actionable advice based on five enhancements the reader can make to mitigate risk and secure their financial future. With over one thousand Canadians turning 65 every day, the cultivation of good decumulation practices — the way in which you draw down assets in retirement, ideally to have a secure income for the rest of your life — has become an urgent matter that no one can afford to ignore.
Download or read book Income for Life for Canadians written by Rob Minton and published by Createspace Independent Publishing Platform. This book was released on 2017-09-25 with total page 228 pages. Available in PDF, EPUB and Kindle. Book excerpt: There is a difference between real estate investing and speculation. Learn tried and tested techniques from investors that are 'on the streets' practicing what they preach. Discover how to use proven systems to formulate an exit strategy before you get into the game. You ll never have to think about renovating a house to hope it sells again using this approach. Discover the secrets of investing in nice homes and don't look back.
Download or read book Better Now written by Dr. Danielle Martin and published by Penguin. This book was released on 2017-01-10 with total page 310 pages. Available in PDF, EPUB and Kindle. Book excerpt: Longlisted for British Columbia's National Award for Canadian Non-Fiction 2018 Dr. Danielle Martin sees the challenges in our health care system every day. As a family doctor and a hospital vice president, she observes how those deficiencies adversely affect patients. And as a health policy expert, she knows how to close those gaps. A passionate believer in the value of fairness that underpins the Canadian health care system, Dr. Martin is on a mission to improve medicare. In Better Now, she shows how bold fixes are both achievable and affordable. Her patients’ stories and her own family’s experiences illustrate the evidence she presents about what works best to improve health care for all. Better Now outlines “Six Big Ideas” to bolster Canada’s health care system. Each one is centred on a typical Canadian patient, making it clear how close to home these issues strike. · Ensure every Canadian has regular access to a family doctor or other primary care provider · Bring prescription drugs under medicare · Reduce unnecessary tests and interventions · Reorganize health care delivery to reduce wait times and improve quality · Implement a basic income guarantee to alleviate poverty, which is a major threat to health · Scale up successful local innovations to a national level Passionate, accessible, and authoritative, Dr. Martin is a fervent supporter of the best of medicare and a persuasive critic of what needs fixing.
Download or read book Tax Free Income for Life written by David McKnight and published by Penguin. This book was released on 2020-11-17 with total page 161 pages. Available in PDF, EPUB and Kindle. Book excerpt: The follow-up to the bestselling The Power of Zero, providing a blueprint to build a guaranteed, tax-free income stream that lasts for the long run. American retirees face a looming crisis. We are living longer than ever before, and most experts predict a dramatic rise in tax rates within the next ten years. The hard truth is that no matter how much you save, you are likely to outlive your money or watch it be taxed into oblivion. But when traditional retirement distribution strategies won't provide sufficient income in the face of higher taxes, what can you do? Tax-Free Income for Life lays out a comprehensive, step-by-step roadmap for a secure retirement. McKnight shows how the combination of guaranteed, inflation-adjusted lifetime income and a proactive asset-shifting strategy can shield you from longevity risk and the cascade of unintended consequences that result from higher taxes. It's an innovative and proven strategy that maximizes return while effectively neutralizing the two biggest risks to retirement savings. If ever there were a solution for the American retiree, it's guaranteed tax-free income for life.
Download or read book The Case for Basic Income written by Jamie Swift and published by Between the Lines. This book was released on 2021-05-03 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt: Inequality is up. Decent work is down. Free market fundamentalism has been exposed as a tragic failure. In a job market upended by COVID-19—with Canadians caught in the grip of precarious labour, stagnant wages, a climate crisis, and the steady creep of automation—an ever-louder chorus of voices calls for a liveable and obligation-free basic income. Could a basic income guarantee be the way forward to democratize security and intervene where the market economy and social programs fail? Jamie Swift and Elaine Power scrutinize the politics and the potential behind a radical proposal in a post-pandemic world: that wealth should be built by a society, not individuals. And that we all have an unconditional right to a fair share. In these pages, Swift and Power bring to the forefront the deeply personal stories of Canadians who participated in the 2017–2019 Ontario Basic Income Pilot; examine the essential literature and history behind the movement; and answer basic income’s critics from both the right and left.
Download or read book Income for Life written by Rob Minton and published by Author House. This book was released on 2005-07-06 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt: Discover how the inovative financial strategies outlined in Income for Life gave already generated hundreds of thousands of dollars o f income for real estate investors. Rob Minton’s revolutionary approach are both for beginners and advance real estate investors. They are the obsolute bottom line on how to effectivaly multiply your properties many times over. You will learn how to create income for life by investing in real estate in your spare time. You don’t have to fix up and repair beat up homes. In fact, Rob’s clients hardly even touch a screw driver.
Download or read book Your Ever Growing Income The Rising Yield on Investments written by Henry Mah and published by Henry Mah, CMA. This book was released on with total page 167 pages. Available in PDF, EPUB and Kindle. Book excerpt: This is the Canadian Edition. Are you tired of trying to “Beat the Market?” or paying some else to manage your investments which don't seem to be going anywhere? Let me teach you a simpler method of investing, one that makes sense, is easy to implement and one where you’ll earn a growing income whether the market is going up or down. I’ll provide you with a method of stock evaluation that identifies quality income growth stocks and show you how to build an investment portfolio easily and without worrying about the market. You won’t be constantly looking for new stocks to buy, worrying when stock prices fall or trying to decide when to sell. You’ll learn to ignore the market fluctuations and the value of your portfolio, and you won’t have to wait until the end of the year to see if your investment strategy is working. Your income growth will be updated each month or quarter. Yes, investing can be that easy. Don’t play their game of trying to out-guess the market, play yours. With this book, we are not going to play their price game. Certainly, the goal is to purchase stocks, but we’ll change the game so that it works to your benefit by providing you with results that are measured, not by price or the direction of the market, but with you having greater control over your returns, where you will be able to see those returns grow. We’re not going to play their game of needing to beat the market, rather, we’ll play our own game, with our own rules, ignoring the market altogether!
Download or read book Income for Life written by Joseph DiSalvo and published by . This book was released on 2020-04 with total page 170 pages. Available in PDF, EPUB and Kindle. Book excerpt: The most important thing you can do as a retiree, or if you are thinking about retirement, is to develop a well-educated retirement and income plan. Even with the risks of market volatility, longevity, taxes, and unforeseen costs, a correct understanding of how to develop an investment and income strategy can help you face your future with confidence. Income for Life is your guide to converting your retirement savings to income. Drawing on forty years of combined experience in wealth management, Joseph DiSalvo and Marie Madarasz give you a straightforward education in the basics, along with practical exercises, to make sure you're prepared for retirement: from setting goals and budgets, to mitigating risk, ensuring steady and predictable income, how best to seek professional help, and more. Your retirement awaits. Learn to plan for your income in retirement today, and be prepared for whatever tomorrow brings.
Download or read book The Calculus of Retirement Income written by Moshe A. Milevsky and published by Cambridge University Press. This book was released on 2006-03-13 with total page 301 pages. Available in PDF, EPUB and Kindle. Book excerpt: This 2006 book introduces and develops the basic actuarial models and underlying pricing of life-contingent pension annuities and life insurance from a unique financial perspective. The ideas and techniques are then applied to the real-world problem of generating sustainable retirement income towards the end of the human life-cycle. The role of lifetime income, longevity insurance, and systematic withdrawal plans are investigated in a parsimonious framework. The underlying technology and terminology of the book are based on continuous-time financial economics by merging analytic laws of mortality with the dynamics of equity markets and interest rates. Nonetheless, the book requires a minimal background in mathematics and emphasizes applications and examples more than proofs and theorems. It can serve as an ideal textbook for an applied course on wealth management and retirement planning in addition to being a reference for quantitatively-inclined financial planners.
Download or read book The Rule of 30 written by Frederick Vettese and published by ECW Press. This book was released on 2021-10-19 with total page 191 pages. Available in PDF, EPUB and Kindle. Book excerpt: Consider the age-old question of how much you should save to enjoy a comfortable retirement: Are your knees knocking? Are you nervously biting your nails? In The Rule of 30 personal finance expert Frederick Vettese provides a surprising — and hopeful — answer. Through conversations between a young couple and their neighbor, a retired actuary, the couple and the reader discover: • How they would have fared had they been saving over various periods in the past, and how the future investment climate will differ • The problem with saving a constant percentage of pay • The Rule of 30 and why it is a more rational way to save • Whether investing in real estate is a viable alternative to investing in stocks The Rule of 30 changes the mindset from saving the same flat percentage of pay to saving when it is most convenient to your situation. In most cases, it means less saving early on while mortgage payments are high and children are costly, and more saving later. Saving for retirement is a high priority, but it is not the only priority in life. It is time to dispense with old myths like “just save 10% of your take-home pay.” The truth is we should save differently throughout our pre-retirement years — and The Rule of 30 is a road map for doing so.
Download or read book How to Create an Income for Life written by Margaret Lomas and published by John Wiley & Sons. This book was released on 2012-01-27 with total page 142 pages. Available in PDF, EPUB and Kindle. Book excerpt: Margaret Lomas stormed onto the investment scene in mid-2001. Her first book, How to Make Your Money Last as Long as You Do, quickly sold out and reprinted twice within the first eight months of being on sale. Investors clamoured to attend speaking engagements and she was swiftly picked up by two radio stations for regular finance talk-back segments. Margaret's key to long-term wealth creation is a unique approach she and her husband have followed themselves, with proven success, for years. These pages are not full of hyped-up theory and get-rich-quick promises, but contain a step-by-step, easy-to-follow positive cash flow investment strategy that almost anyone can adopt to create an income for life. Chapters offer useful information on: Safely investing in positive cash flow property Taking advantage of home equity and hedging against the usual pitfalls of investing in property Employing a specific borrowing strategy which eliminates debt quickly The questions to ask when researching your market Following strict, unemotional guidelines for investment property selection.
Download or read book The Essential Retirement Guide written by Frederick Vettese and published by John Wiley & Sons. This book was released on 2015-11-12 with total page 293 pages. Available in PDF, EPUB and Kindle. Book excerpt: Retirement planning is difficult enough without having to contend with misinformation. Unfortunately, much of the advice that is dispensed is either unsubstantiated or betrays a strong vested interest. In The Essential Retirement Guide, Frederick Vettese analyses the most fundamental questions of retirement planning and offers some startling insights. The book finds, for example that: Saving 10 percent a year is not a bad rule of thumb if you could follow it, but there will be times when you cannot do so and it might not even be advisable to try. Most people never spend more than 50 percent of their gross income on themselves before retirement; hence their retirement income target is usually much less than 70 percent. Interest rates will almost certainly stay low for the next 20 years, which will affect how much you need to save. Even in this low-interest environment, you can withdraw 5 percent or more of your retirement savings each year in retirement without running out of money. Your spending in retirement will almost certainly decline at a certain age so you may not need to save quite as much as you think. As people reach the later stages of retirement, they become less capable of managing their finances, even though they grow more confident of their ability to do so! Plan for this before it is too late. Annuities have become very expensive, but they still make sense for a host of reasons. In addition, The Essential Retirement Guide shows how you can estimate your own lifespan and helps you to understand the financial implications of long-term care. Most importantly, it reveals how you can calculate your personal wealth target - the amount of money you will need by the time you retire to live comfortably. The author uses his actuarial expertise to substantiate his findings but does so in a jargon-free way.
Download or read book Bootstraps Need Boots written by Hugh Segal and published by On Point Press. This book was released on 2019-11-01 with total page 217 pages. Available in PDF, EPUB and Kindle. Book excerpt: For more than four decades, Hugh Segal has been one of the leading voices of progressive conservatism in Canada. A self-described Red Tory warrior who disdains “bootstrap” approaches to poverty, he has worked tirelessly to bring about policies that support the most economically vulnerable in society. Central to his life's work has been the championing of a basic annual income for all Canadians. Why would a life-long Tory support something so radical? In this revealing memoir, Segal shares how his life and experiences brought him to this most unlikely of places. He traces a trajectory from his childhood in a poor immigrant family in working-class Montreal to his time as a chief of staff for Prime Minister Mulroney and to his more recent work as an advisor on a basic income for the Ontario Liberal government. Along the way, he has worked across party lines to promote an anti-poverty agenda. This book is a passionate argument not only for why a basic annual income makes economic sense, but for why it is the right thing to do.
Download or read book Health Promotion and Quality of Life in Canada written by Dennis Raphael and published by Canadian Scholars’ Press. This book was released on 2010-02-01 with total page 328 pages. Available in PDF, EPUB and Kindle. Book excerpt: Health and quality of life are vital social reflections. The way a society distributes resources amongst its population tells us a great deal about the society itself. This unique volume unites readings that explore the integral link between quality of life and public policy choices. The first section discusses individual perspectives on health promotion and quality of life and provides a conceptual basis for determining an individual's or community's standard. The next section addresses community and policy perspectives to show how quality of life is related both to the health of the population as a whole, and to collective choices that determine how material resources are distributed in society. Part three places quality of life and population health within a political economy framework and uses the social determinants of health concept to illustrate how societies differ in their willingness to support their members' quality of life and health. Part four examines vulnerable populations and their issues: the Indigenous community, persons with disabilities, women and the gender gap, and the effects of race and immigrant status on employment opportunities. The final section suggests ways in which health promotion, quality of life, and the social determinants of health agendas can come together. It provides an up-to-date analysis of the barriers facing those attempting to improve quality of life and health, as well as the means to accomplish those goals.
Download or read book Complete Taxation Guide to Canadian Real Estate Investing written by Cherry Chan and published by Createspace Independent Publishing Platform. This book was released on 2017-05-18 with total page 166 pages. Available in PDF, EPUB and Kindle. Book excerpt: You may have already figured out that there are a few myths passed on in the real estate taxation world. Most accountants tell you incorporating is not beneficial but you always wonder why so many real estate investors incorporate their portfolio anyway. You may wonder the different type of deductions are available as a real estate investors and whether you would still have any money left after the Tax Man grab his share. This book gives you all the answers you need to start your Canadian real estate investing journey. From basic taxation 101 to setting up multi layered corporate structure, this books provides a practical guide to maximize your deductions and lower your tax liability.
Download or read book Guaranteed Income for Life written by Michael F. Lane and published by McGraw-Hill Companies. This book was released on 1998-08 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Lane shows specific ways to use variable annuities to achieve lifelong financial security and gives tips on how to pick the best product for any given situation. 30 charts & graphs.
Download or read book The Canada Year Book written by and published by . This book was released on 1922 with total page 962 pages. Available in PDF, EPUB and Kindle. Book excerpt:
