Download or read book Aging and the Macroeconomy written by National Research Council and published by National Academies Press. This book was released on 2013-01-10 with total page 230 pages. Available in PDF, EPUB and Kindle. Book excerpt: The United States is in the midst of a major demographic shift. In the coming decades, people aged 65 and over will make up an increasingly large percentage of the population: The ratio of people aged 65+ to people aged 20-64 will rise by 80%. This shift is happening for two reasons: people are living longer, and many couples are choosing to have fewer children and to have those children somewhat later in life. The resulting demographic shift will present the nation with economic challenges, both to absorb the costs and to leverage the benefits of an aging population. Aging and the Macroeconomy: Long-Term Implications of an Older Population presents the fundamental factors driving the aging of the U.S. population, as well as its societal implications and likely long-term macroeconomic effects in a global context. The report finds that, while population aging does not pose an insurmountable challenge to the nation, it is imperative that sensible policies are implemented soon to allow companies and households to respond. It offers four practical approaches for preparing resources to support the future consumption of households and for adapting to the new economic landscape.

Download or read book Securing a Retirement Income for Life written by Bill Griffith, Jr. and published by W E Griffith Publications. This book was released on 2006 with total page 212 pages. Available in PDF, EPUB and Kindle. Book excerpt: How much you need to finance your retirement depends on how well you want to live and the expected length of your retirement life. Do you want to maintain or increase your standard of living? Do you want to start a new business, provide financial help to family members or engage in a new hobby or activity? How much you need to accumulate depends on the lifestyle you envision. Securing a Retirement Income for Life will show you how much you need to accumulate to provide a retirement income for life and how to implement the very best strategies for managing, protecting and preserving your wealth. The interactive nature of this new book will show you how to go about planning to meet your retirement needs and objectives and how best to prepare for uncertainties when the future is unknown. For many people, retirement may represent the longest stage of their life. It is a time when they can look forward to a whole new range of exciting challenges and activities - to experience their own vision - with the same passion, excitement and sense of accomplishment they had during the first part of their life. Along with a much longer life, however, comes more complex and much more expensive financial challenges. This book will help you prepare for the many challenges and uncertainties that lie ahead as you approach retirement and during your retirement years, such as the potential risk of outliving your money. The shift away from defined benefit plans to defined contribution plans is a trend that has revolutionized retirement planning by placing more of the responsibility for saving on the individual. Since fewer retirees in the future can expect to receive a steady stream of income from employer provided defined benefit plans, individuals will have to rely more on their own resources for a much higher percentage of their retirement income. According to author and Certified Financial Planner practitioner, Bill Griffith, Jr., CFP, "people are faced with having to make serious decisions about how to manage their company retirement plan, how much to contribute, how to invest their money and what to do with their vested balance after they retire." "They need to have a plan based on clear and accurate information to help them make decisions about when to retire, how long they can expect to live in retirement, how much they need to accumulate and how to manage their funds throughout their retirement years." The investment needed to finance retirement depends on an accurate forecast of expenditures and rate of return assumptions well into the future. The uncertainty of traditional return assumptions and rising healthcare costs are both significant risks in retirement and can have a tremendous impact on retirement savings and security. Decisions about when to retire, how long you can expect to live in retirement and how much you need to accumulate are complicated by an ever changing set of circumstances. Throughout this book, the author emphasizes a process-driven approach for facing these and other critical issues in retirement. You will learn about the proper methods for managing retirement funds and how to protect against the risk of funding long-term liabilities. Meeting financial obligations through an investment-based approach is only one part of the process. Securing a Retirement Income for Life will show you how to use a combination of methods to assure that your retirement income will last for life.

Download or read book The Ultimate Retirement Guide for 50 written by Suze Orman and published by Hay House, Inc. This book was released on 2020-02-25 with total page 321 pages. Available in PDF, EPUB and Kindle. Book excerpt: The instant NEW YORK TIMES BESTSELLER WALL STREET JOURNAL BESTSELLER PUBLISHERS WEEKLY BESTSELLER USA TODAY BESTSELLER #1 PERSONAL FINANCE EXPERT Revised & Updated for 2023 THE PATH TO YOUR ULTIMATE RETIREMENT STARTS RIGHT HERE! Retirement today is more complex than ever before. It is most definitely not your parents' retirement. You will have to make decisions that weren't even part of the picture a generation ago. Without a clear-cut path to manage the money you’ve saved, you may feel like you're all on your own. Except you're not—because Suze Orman has your back. Suze is America's most recognized personal finance expert for a reason. She's been dispensing actionable advice for years to people seeking financial security. Now, in this revised and updated Ultimate Retirement Guide for 50+, which reflects recent changes in retirement rules passed by Congress, Suze gives you the no-nonsense advice and practical tools you need to plan wisely for your retirement in today's ever-changing landscape. You'll find new rules for downsizing, spending wisely, delaying Social Security benefits, and more—starting where you are right now. Suze knows money decisions are never just about money. She understands your hopes, your fears, your wishes, and your desires for your own life as well as for your loved ones. She will guide you on how to let go of regret and fear, and with her unparalleled knowledge and unique empathy, she will reveal practical and personal steps so you can always live your Ultimate Retirement life. "I wrote this book for you," Suze says. "The worried, the fearful, the anxious. I know you need help navigating the road ahead. I've helped steer people toward happy and secure retirements my whole life, and that's exactly what I want to do for you."

Download or read book Taking the Mystery Out of Retirement Planning written by and published by DIANE Publishing. This book was released on 2007-10 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt: The key to a comfortable retirement is planing well in advance. Yet a recent survey indicates that with the "Baby Boom" generation approaching retirement age, less than half of Amer. have calculated how much they will need to save for retirement. To help Amer. prepare for retirement, the U.S. Dept. of Labor has developed this book. The info. contained here is valuable to everyone, but the book is specifically designed to help those who are about a decade from retirement. Contents: Planning for a Lifetime; Tracking Down Today's Money; Tracking Down Future Money at Retirement & After; Tracking Down Future Expenses; Comparing Income & Expenses; Making Your Money Last; & Tracking Down Help for Retirement Resources. Large print. Illus.

Download or read book Save Your Retirement written by Frank Armstrong III and published by FT Press. This book was released on 2009-05-06 with total page 226 pages. Available in PDF, EPUB and Kindle. Book excerpt: Real Solutions for Saving Your Retirement... No Matter Where You Stand Right Now! Step-by-step plans you can use if you’re planning to retire in... 5 years | 10 years | 15 years | over 20 years | or tomorrow! “The market meltdown has all of us worrying about whether we will ever be able to retire. Worrying doesn’t help you. Planning does. Save Your Retirement by Frank Armstrong, III and Paul B. Brown can—and should—serve as your battle plan.” —John A. Byrne, Executive Editor, BusinessWeek “Convinced the sinking economy has dragged your retirement plans down with it? Save Your Retirement shows there’s still treasure inside that wreckage— and provides a map to help you find it.” —Josh Hyatt, Money Magazine “Whether you’re just beginning a career or you’re five years from retiring, the authors show you how to take a realistic look at your current financial status and your retirement goals. With a refreshingly positive approach, they give all of us, no matter our life stage, a blueprint for successful retirement.” —Professor Larry Meiller, Talk Show Host, Wisconsin Public Radio “Frank Armstrong, III and Paul B. Brown heal your retirement anxiety and show you exactly how to achieve financial security for the golden years. You’ll actually be excited to save!” —Farnoosh Torabi, Author of You’re So Money: Live Rich Even When You’re Not Terrified about retirement? Stop losing sleep, and take action! This book gives you specific, step-by-step plans you can use to save your retirement. Forget “one-size-fits-all” solutions that don’t fit your life. Here are personal plans focused on your unique situation—whether you’re 5, 10, 15, or 20-plus years away from retirement or are scheduled to retire now. (There’s even a detailed plan for people who’ve already retired and want to make sure their money lasts!) No matter what the market meltdown did to your portfolio or how little you’ve saved, you can save your retirement—if you start now. Get this book, and get started! All the help you need to save your retirement: Where to move your savings How to recalculate what you’ll really need to retire How to assess when you can now afford to retire How to change your approach to investing How to use the federal tax system to save more What to expect from Social Security now

Download or read book The Charles Schwab Guide to Finances After Fifty written by Carrie Schwab-Pomerantz and published by Crown Currency. This book was released on 2014-04-01 with total page 434 pages. Available in PDF, EPUB and Kindle. Book excerpt: Here at last are the hard-to-find answers to the dizzying array of financial questions plaguing those who are age fifty and older. The financial world is more complex than ever, and people are struggling to make sense of it all. If you’re like most people moving into the phase of life where protecting—as well as growing-- assets is paramount, you’re faced with a number of financial puzzles. Maybe you’re struggling to get your kids through college without drawing down your life’s savings. Perhaps you sense your nest egg is at risk and want to move into safer investments. Maybe you’re contemplating downsizing to a smaller home, but aren’t sure of the financial implications. Possibly, medical expenses have become a bigger drain than you expected and you need help assessing options. Perhaps you’ll shortly be eligible for social security but want to optimize when and how to take it. Whatever your specific financial issue, one thing is certain—your range of choices is vast. As the financial world becomes increasingly complex, what you need is deeply researched advice from professionals whose credentials are impeccable and who prize clarity and straightforwardness over financial mumbo-jumbo. Carrie Schwab-Pomerantz and the Schwab team have been helping clients tackle their toughest money issues for decades. Through Carrie’s popular “Ask Carrie” columns, her leadership of the Charles Schwab Foundation, and her work across party lines through two White House administrations and with the President’s Advisory Council on Financial Capability, she has become one of America’s most trusted sources for financial advice. Here, Carrie will not only answer all the questions that keep you up at night, she’ll provide answers to many questions you haven’t considered but should.

Download or read book Rock Retirement written by Roger Whitney and published by Morgan James Publishing. This book was released on 2017-10-03 with total page 212 pages. Available in PDF, EPUB and Kindle. Book excerpt: “A guide for planning that rich season of life, based not just on money, but also on how to create meaningful relationships, memories, and legacy.” —Dan Miller, author of 48 Days to the Work You Love Rock Retirement offers inspirational advice on how to enjoy the journey to retirement to its fullest. Traditional retirement advice usually boils down to saving more, sacrificing more, and settling for less. This approach makes people dependent on systems outside their control, such as the market, economy, and investment returns. The result: people lose power over determining their life. What sets Rock Retirement apart is its holistic approach to helping people take back control and act intentionally towards the life they want. It addresses the fears, hopes, and dreams that people have about retirement, goes way beyond the numbers, and shows them how to balance living well today and tomorrow. “Too many books think retirement is just about finances. Instead, retirement is about looking at life in full and working out what it is you want to do and then turning to finances to make it happen. That’s exactly the focus of the practical and helpful guide.” —Andrew Scott, coauthor of The 100-Year Life “Roger Whitney lays out a plan for today’s modern retiree. If you are exhausted with being fed that retirement is the end game of life, then Roger’s book is a must-read!” —Darryl W. Lyons, author of 18 to 80 “If you’re dreaming of a retirement free of worry, chao and confusion, Rock Retirement will give you the clarity, a solid plan and fresh inspiration to help you get where you want to go.” —Jevonnah “Lady J” Ellison, author of Love Letters for Leading Ladies

Download or read book Die with Zero written by Bill Perkins and published by Houghton Mifflin. This book was released on 2020 with total page 243 pages. Available in PDF, EPUB and Kindle. Book excerpt: "A ... new philosophy and ... guide to getting the most out of your money--and out of life--for those who value memorable experiences as much as their earnings"--

Download or read book Savings Fitness written by Barry Leonard and published by DIANE Publishing. This book was released on 2007-12 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many people mistakenly believe that Social Security (SS) will pay for all or most of their retire. needs, but the fact is, since its inception, SS has provided little protection. A comfortable retire. usually requires SS, pensions, personal savings & invest. The key tool for making a secure retire. a reality is financial planning. It will help clarify your retire. goals as well as other financial goals you want to ¿buy¿ along the way. It will show you how to manage your money so you can afford today¿s needs yet still fund tomorrow¿s. You¿ll learn how to save your money to make it work for you & how to protect it so it will be there when you need it. Explains how you can take the best advantage of retire. plans at work, & what to do if you¿re on your own. Illustrations.

Download or read book Discover the Right Retirement for You written by Joseph "Jay" Totter and published by Outskirts Press. This book was released on 2020-08-04 with total page 178 pages. Available in PDF, EPUB and Kindle. Book excerpt: What comes to mind when you think of retirement? An age? A date? A budget? Do you regard it as a reward for work well done or the inevitable end of a life well lived? What do you envision doing once you are no longer working? If any of these questions seem daunting, this is the book for you. The author, an experienced and skilled human resources administrator, frequently encountered individuals who had not done any retirement planning beyond selecting a date and estimating a budget. He also discovered how limited the retirement literature was with most of it focused on the financial aspects to the exclusion of a myriad of other factors that go into creating a satisfying retirement. Thus began a two-year journey of research and writing to create Discover the Right Retirement for You, the most comprehensive guide to retirement planning currently available. Carefully crafted to be used by the 44 million Baby Boomers who are retiring at the astonishing rate of 10,000 each day, this remarkable resource contains comprehensive information written in comprehendible language about the many components of retirement and connects the reader to others like themselves. It is a reference book with facts and figures, a workbook with worksheets for self-inventory and reflection, and a storybook with anecdotes about retirement expectations and experiences. Distilled from extensive interviews with people just like you, Discover the Right Retirement for You invites you to explore retirement from such diverse perspectives as its effect on your health, self-image, and family, while also addressing the financial aspects. Whether retirement is right around the corner or a few years away, this is the guidebook you need to create the right retirement for you.

Download or read book The Retirement Challenge written by Frank Armstrong III and published by FT Press. This book was released on 2009-01-12 with total page 286 pages. Available in PDF, EPUB and Kindle. Book excerpt: “Imagine that you board an airliner and are told that you will be piloting the plane. Such is the plight of tens of millions of Americans, on whom have been foisted a jumble of 401(k), 403(b), and 457 defined contribution plans, and are as well qualified to manage their retirement portfolios as they are to pilot a jet from Los Angeles to Boston. Since things aren’t changing any time soon, you may very well need flying lessons, and pronto. Frank Armstrong’s The Retirement Challenge: Will You Sink or Swim? is just the ground school you need.” —William Bernstein, author of A Splendid Exchange: How Trade Shaped the World and The Four Pillars of Investing: Lessons for Building a Winning Portfolio “Armstrong and Doss have written a simple and understandable guide through the maze that is our financial world. If your goal is to outperform the vast majority of investors on the road to retirement, The Retirement Challenge: Will You Sink or Swim? paves the way.” —TAYLOR LARIMORE, coauthor of The Bogleheads’ Guide to Investing “This is a great handbook for those planning for retirement. Armstrong and Doss not only tell you the right way to build a plan, they also show you how to avoid purchasing products from the wolves of Wall Street that lead investors to be sheared like sheep.” —LARRY SWEDROE, author of The Only Guide to Alternative Investments You’ll Ever Needand Wise Investing Made Simple “In today’s investment markets, this is an invaluable book. If you care about the quality of the rest of your life, you owe it to yourself and your family to read The Retirement Challenge: Will You Sink or Swim?” —HAROLD EVENSKY, CFP®, AIF®, President, Evensky & Katz In 48 quick, practical lessons, Armstrong shows how to assess what you have and what you’ll need to build a simple, reliable retirement plan. Better yet, the book’s easy online calculators do all the math for you. Investing for retirement has never been so sensible and simple! Includes free access to comprehensive Web-based tools and resources at www.Sink-Swim.com: More than 75 easy-to-use online calculators and budget spreadsheets to help you get on track and stay on track Sample asset allocation plans you can adjust for any stage of your career and any portfolio Up-to-the-minute updates on pension law, regulation, enforcement, and estate planning Free Sink or Swim Newsletter, and much more

Download or read book What s the Deal with Social Security for Women written by Marcia Mantell and published by . This book was released on 2019 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Drawing on the author's expertise and the personal Social Security stories of real women, this book opens the door on how Social Security works for women regardless of your life's journey. It's for you if you're married, divorced, widowed, or single and will take some of the mystery out of this complex yet critical income source.

Download or read book How to Make Your Money Last Completely Updated for Planning Today written by Jane Bryant Quinn and published by Simon & Schuster. This book was released on 2020-01-07 with total page 432 pages. Available in PDF, EPUB and Kindle. Book excerpt: NOW COMPLETELY UPDATED to reflect the changes in tax legislation, health insurance, and the new investment realities. In this “highly valuable resource” (Publishers Weekly, starred review) Quinn “provides simple, straightforward” (The New York Times) solutions to the universal retirement dilemma—how to make your limited savings last for life—covering mortgages, social security, income investing, annuities, and more! Will you run out of money in your older age? That’s the biggest worry for people newly retired or planning to retire. Fortunately, you don’t have to plan in the dark. Jane Bryant Quinn tells you how to squeeze a higher income from all your assets—including your social security account (get every dollar you’re entitled to), a pension (discover whether a lump sum or a lifetime monthly income will pay you more), your home equity (sell, rent, or take a reverse mortgage?), savings (how to use them safely to raise your monthly income), retirement accounts (invest the money for growth in ways that let you sleep at night), and—critically—how much of your savings you can afford to spend every year without running out. There are easy ways to figure all this out. Who knew? Quinn also shows you how to evaluate your real risks. If you stick with super-safe investment choices, your money might not last and your lifestyle might erode. The same might be true if you rely on traditional income investments. Quinn rethinks the meaning of “income investing,” by combining reliable cash flow during the early years of your retirement with low-risk growth investments, to provide extra money for your later years. Odds are, you’ll live longer than you might imagine, meaning that your savings will stretch for many more years than you might have planned for. With the help of this book, you can turn those retirement funds into a “homemade” paycheck that will last for life.

Download or read book Take Charge of Your Money written by American Association of Retired Persons and published by . This book was released on 1985 with total page 24 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Retirement Planning For Dummies written by Matthew Krantz and published by John Wiley & Sons. This book was released on 2020-02-05 with total page 359 pages. Available in PDF, EPUB and Kindle. Book excerpt: Advice and guidance on planning for retirement Retirement Planning For Dummies is a one-stop resource to get up to speed on the critical steps needed to ensure you spend your golden years living in the lap of luxury—or at least in the comfort of your own home. When attempting to plan for retirement, web searching alone can cause you more headaches than answers, leaving many to feel overwhelmed and defeated. This book takes the guesswork out of the subject and guides readers while they plan the largest financial obligation of their life. Take stock of your finances Proactively plan for your financial future Seek the help of professionals or go it alone Use online tools to make retirement planning easier Whether you're just starting out with a 401(k) or you’re a seasoned vet with retirement in your near future, this book helps younger and older generations alike how to plan their retirement.

Download or read book Retire Rich with Your 401 k Plan written by Heather Kleba and published by Atlantic Publishing Company. This book was released on 2009 with total page 290 pages. Available in PDF, EPUB and Kindle. Book excerpt: The retirement market is huge. According to the Investment Company Institute, more than $2.25 Trillion is invested in 401(K) plans by more than 45 million Americans, building wealth for millions of individuals who hope to retire early and enjoy their old age in the lap of luxury. Understanding and maneuvering through the complex world of 401(K) plans though, can be quite difficult, often requiring professional help, or resulting in lost funds. For anyone who has ever wondered what it would take to turn those slowly growing 401(K) plans into exploding retirement accounts that will allow you to quit your job early, there are things you can do. This complete, up-to-date guide on the 401(K) plan market has made it easier than ever to sort through your finances and start pulling out the necessary bits and pieces of information that you need to truly capitalize on your retirement. You may think you know what a 401(K) plan is, but you will learn in detail exactly what these plans provide to you and what options you have that you may have never explored. From Roth IRAs to diversified portfolios, the options for how you invest in your retirement will finally be made clear. You will learn how to start saving, even when you re getting past the point you thought you could save. You will learn how to start your own retirement plan even if your employer does not provide one. You will learn how to maintain your savings plans and not lose a dime of your money, even if you change jobs repeatedly. You will be walked through the complex process of investing your own 401(K) plan, including how to take advantage of mutual funds, and how to measure the risk involved in stocks and options versus bonds. You will be shown the upper limits for your contributions every year and what you can do to maximize those contributions to ensure the money is there for you to draw from. You will learn how to choose between different tax structures and what you can expect as you grow closer to retirement. If you ever need to draw funds out of your 401(k) you will learn how to do so and what your plan expects of you. With the help of dozens of hours of carefully noted conversations with investment professionals, we have provided the tips you need to maximize every penny you have in your 401(k) plan so that when you retire, you have as much money as possible. And for those with alternate retirement options or necessities, you will learn what other 4() series savings plans are available to you. Don't wait too long to start investing in your future. With this book you can start now and retire when you want to, freeing up the rest of your life. Atlantic Publishing is a small, independent publishing company based in Ocala, Florida. Founded over twenty years ago in the company presidentâe(tm)s garage, Atlantic Publishing has grown to become a renowned resource for non-fiction books. Today, over 450 titles are in print covering subjects such as small business, healthy living, management, finance, careers, and real estate. Atlantic Publishing prides itself on producing award winning, high-quality manuals that give readers up-to-date, pertinent information, real-world examples, and case studies with expert advice. Every book has resources, contact information, and web sites of the products or companies discussed.

Download or read book Essential Retirement Planning for Solo Agers written by Sara Zeff Geber and published by Mango Media Inc.. This book was released on 2018-04-15 with total page 212 pages. Available in PDF, EPUB and Kindle. Book excerpt: A practical yet humorous guide to aging solo gracefully and achieving a happy retirement. In Essential Retirement Planning for Solo Agers, certified retirement coach Sara Zeff Geber coins the term “Solo Ager” to refer to the segment of society that either does not have adult children or is single and believes they will be on their own as they grow older. This book explores the path ahead for this group. That includes choices in housing, relationships, legal arrangements, finances, and more. Geber reviews the role of adult children in an aging parent’s world and suggests ways in which Solo Agers can mitigate the absence of adult children by relationship building and rigorous planning for their future. Geber shares her expertise on what constitutes a fulfilling older life and how Solo Agers can maximize their opportunities for financial security, physical health, meaning and purpose in the second half of life, and, finally, planning for the end game. Through real-life stories and anecdotes, the author explores housing choices, relationships, and building a support system. You will learn about: · different levels of care and independence in various types of living arrangements · how to initiate discussions among friends and relatives about end-of-life treatment · “what if” scenarios · who to talk to about legal and financial decisions And it’s not just the Solo Ager that can learn from this book. Financial advisors, elder law and estate attorneys, senior care managers, and others whose clientele is on the far side of sixty will benefit as well.