How to Retire with Enough Money

Author: Teresa Ghilarducci
Publisher: Workman Publishing
ISBN: 0761187111
Format: PDF, Kindle
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Here is a single-sit read than can change the course of your retirement. Written by Dr. Teresa Ghilarducci, an economics professor, a retirement and savings specialist, and a trustee to two retiree health-care trusts worth over $54 billion, How to Retire with Enough Money cuts through the confusion, misinformation, and bad policy-making that keeps us spending or saving poorly. It begins with acknowledging what a person or household actually needs to have saved—the rule of thumb is eight to ten times your annual salary before retirement—and how much to expect from Social Security. And then it delivers the basic principles that will make the money grow, including a dozen good ideas to get current expenses under control. Why to “get rid of your guy”—those for-fee (or hidden-fee) financial planners that suck up valuable assets. Why it’s always better to pay off a loan or a mortgage. There are no gimmicks, no magical thinking—just an easy-to-follow program that works.

Rescuing Retirement

Author: Teresa Ghilarducci
Publisher: Columbia University Press
ISBN: 0231546270
Format: PDF, Docs
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Everyone deserves to be able to retire with dignity, but this core feature of the social contract is in jeopardy. Companies have swerved away from pensions, and most of the workforce has woefully inadequate retirement savings. If we don’t act to fix this broken system, rates of impoverishment for senior citizens threaten to skyrocket, and tens of millions of Americans reaching retirement age in the coming decades will be forced to delay retirement and will experience a dramatic drop in their standard of living. In Rescuing Retirement, Teresa Ghilarducci and Tony James offer a comprehensive yet simple plan to help workers save for retirement, increase retirement savings by earning higher returns, and guarantee lifelong income for everyone. Built on people’s own money in individual Guaranteed Retirement Accounts, the plan requires no new taxes, no more bureaucracy, and no increase in the deficit. Speaking to Americans’ growing anxiety about their ability to retire, Rescuing Retirement provides answers to anyone wanting to understand the growing movement to protect a period of life once considered a deserved time of rest and creativity and offers a practical guide to the future of secure retirement.

Der Kreidemann

Author: C.J. Tudor
Publisher: Goldmann Verlag
ISBN: 3641214157
Format: PDF
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Alles begann an dem Tag, an dem sie auf den Jahrmarkt gingen. Als der zwölfjährige Eddie den Kreidemann zum ersten Mal traf. Der Kreidemann war es auch, der Eddie auf die Idee mit den Zeichnungen brachte: eine Möglichkeit für ihn und seine Freunde, sich geheime Botschaften zukommen zu lassen. Und erst einmal hat es Spaß gemacht – bis die Figuren sie zur Leiche eines jungen Mädchens führten. Das ist dreißig Jahre her, und Eddie dachte, die Vergangenheit liegt hinter ihm. Dann bekommt er einen Brief, der nur zwei Dinge enthält: ein Stück Kreide und die Zeichnung eines Strichmännchens. Und als die Geschichte beginnt, sich zu wiederholen, begreift Eddie, dass das Spiel nie zu Ende war ...

Save Your Retirement

Author: Frank Armstrong III
Publisher: FT Press
ISBN: 9780137033249
Format: PDF, ePub, Mobi
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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

Tools der Titanen

Author: Tim Ferriss
Publisher: FinanzBuch Verlag
ISBN: 3960920334
Format: PDF
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"Ich habe dieses Buch, mein ultimatives Notizbuch voller nützlicher Werkzeuge, für mich selbst kreiert. Es hat mein Leben verändert und ich hoffe, dir wird es genauso helfen." TIM FERRISS "In den letzten zwei Jahren habe ich beinahe 200 Weltklasse-Performer interviewt. Die Bandbreite der Gäste reicht von Stars (Jamie Foxx, Arnold Schwarzenegger) und Topathleten bis hin zu legendären Kommandanten von Spezialeinheiten und sogar Schwarzmarkt-Biochemikern. Viele meiner Gäste akzeptierten erstmals in ihrer Karriere ein Zwei-bis-drei-Stunden-Interview. Dieses Buch enthält unverzichtbare Tools, Taktiken und Insiderwissen, die anderswo nicht zu finden sind, außerdem neue Tipps von früheren Gästen und Lebensweisheiten neuer Gäste, die du noch nicht kennst." Was das Buch so außergewöhnlich macht, ist der unablässige Fokus auf leicht umsetzbare Details: - Was tun diese Titanen in den ersten 60 Minuten an jedem Morgen? - Wie sieht ihre Trainingsroutine aus und warum? - Welches Buch haben sie am häufigsten an andere Menschen verschenkt? - Was betrachten sie als die größten Zeitverschwender? - Welche Nahrungsergänzungsmittel nehmen sie täglich? "Alles, was du auf diesen Seiten liest, habe ich in meinem Leben bereits auf die eine oder andere Weise angewandt. Ich habe Dutzende der dargestellten Taktiken bei kritischen Verhandlungen, in riskanter Umgebung oder bei großen Deals eingesetzt. Die Lektionen haben mir zu Millionen von Dollar verholfen und mich vor Jahren verschwendeter Bemühungen und Frustration bewahrt." TIM FERRISS

How to Retire Happy The 12 Most Important Decisions You Must Make Before You Retire Third Edition

Author: Stan Hinden
Publisher: McGraw Hill Professional
ISBN: 0071712984
Format: PDF, Kindle
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"Want excellent insights on retirement planning from a professional who’s actually experienced retirement himself? You’ll get just that from Stan Hinden’s book, How to Retire Happy, now in its third edition. Stan was a Washington Post financial reporter for 20 years, and after he retired, he wrote the Post’s 'Retirement Journal' column for which he was nominated for a Pulitzer Prize. What I like about Stan’s book is that it combines good financial planning information with his story about his own retirement. He’s candid about the mistakes he made and how he’d do things differently with the benefit of hindsight." --Steve Vernon, columnist, CBSMoneyWatch.com “Everyone in the workforce today should read this book!” —Horace B. Deets, former Executive Director, AARP Award-winning Washington Post retirement columnist Stan Hinden’s bestselling How to Retire Happy helps you decide if you can retire now, or whether you have to stay on the job for a few more years. This trusted guide has been fully updated to address the stomachchurning issues created by financial market volatility and the economic recession. Will you have enough money for health care? Do you need—and can you afford—a longterm care policy? How much income can your savings produce? The third edition of How to Retire Happy provides answers to these questions—plus all-new information about: A new menu of Medigap insurance policies New strategies for maximizing Social Security income Making your money last through a long retirement Apply Hinden’s reliable, easy-to-understand advice and experience a happy, healthful retirement for years and years to come.

Get a Life

Author: Ralph E. Warner
Publisher: NOLO
ISBN: 9780873374248
Format: PDF, Kindle
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The financial service industry would lead you to believe that you need to have begun putting aside huge sums of money years ago n order to avoid financial destitution in old age. Not true, says Warner. Although a sensible savings plan is advisable, there are a number of other things you can do in mid-life to ensure a fulfilling retirement. Get a Life shows how to beat the anxiety surrounding retirement and how to: -- work on the things that really matter -- good health, interests and activities, close relationships with family and friends -- realistically calculate how much money you will need and how to secure it. The fully updated second edition incorporates the most recent state planning laws, and it gives even more advice about everyday choices that can make all the difference down the road. New chapters address early retirement and give pointers to couples who reach retirement at different times. Interviews with successful, retired people show how to put Warner's advice into action.

A Million Is Not Enough

Author: Michael Farr
Publisher: Hachette UK
ISBN: 0446511749
Format: PDF
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Will you have over $1 million ready for your retirement? If the answer is no, and this figure sounds totally out of reach, think again. A million dollars isn't what it used to be. The truth is that Baby Boomers, who have enjoyed more abundance and pleasures than any previous generation, need more than a million dollars for a comfortable retirement. And you can achieve this-even if you don't already have a net worth close to a million dollars-by starting now. In A MILLION IS NOT ENOUGH, Michael Farr, one of America's leading financial strategists, shows you that this goal can absolutely be accomplished-no matter what your income bracket. Farr has decades of experience as an investment strategist advising thousands of clients. With this inside information he provides a step-by-step program that includes: STEP 1: Save it...the 25 simple things you can do today to save an extra $300-$500 a monthSTEP 2: Invest it...the techniques all of us can use to demystify investingSTEP 3: Personalize it...investment strategies for readers in their thirties, forties, and fiftiesSTEP 4: Manage and protect it...how to keep investments safe in volatile marketsSTEP 5: Pass it on...creating a legacy for the future This strategy is ambitious, but Michael Farr shows you how painless it can be. Whether you're thirty-five, forty-five, or fifty-five; getting a head start, starting on time, or playing catch-up, A MILLION IS NOT ENOUGH can help you establish the financial security you really need for your retirement years.