Pensionless

The 10-Step Solution for a Stress-Free Retirement

Author: Emily Brandon

Publisher: Simon and Schuster

ISBN: 1440590761

Category: Business & Economics

Page: 256

View: 7833

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As seen in The Washington Post, US News & World Report, and Yahoo! Get the most out of your retirement! If you're one of the millions of Americans without a pension plan, your retirement years might seem like a huge financial question mark. Pensionless, by U.S. News Senior Editor for Retirement Emily Brandon, addresses the retirement benefits that are available to you, how to use them correctly, and how to avoid potential pitfalls. Learn how to avoid surcharges on your Medicare benefits, how to increase Social Security and employer-sponsored benefits to help pay for retirement, and how to minimize costs and boost the value of your existing retirement benefits. And you'll learn how to tweak your lifestyle now so that you can live well in retirement without the security of a pension. Inside you'll find ideas on how to get more Social Security by claiming benefits twice, ways to minimize fees and avoid penalties on retirement accounts, and how to inflate 401(k) balances. Featuring an analysis of the significant changes made to Social Security in the recent federal budget, Pensionless will help you enjoy those retirement years you've worked so hard for.

Retired at 48

One Couple's Journey to Pensionless Retirement

Author: A. R. English

Publisher: N.A

ISBN: 9781927403457

Category: Biography & Autobiography

Page: 96

View: 7734

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There was a time when it was common to have a company pension to live on after you stopped working. These days, company pensions are rare and a large percentage of the workforce needs to rely on their own savings to fund their retirement years. How do you figure out how much you need to retire, and how many years that money will last? Do you dream of retiring early and wonder how you could make that happen? Retired at 48 documents one couple's quest to answer these questions and their path to achieving early retirement. It provides the steps they took to create budgets and track spending habits, the strategies they used to save and invest in order to grow their nest egg, the tools that helped them calculate how big that nest egg needed to be, and how many years it would last for. This book also describes considerations for reducing expenses after retirement and ways to structure investments to minimize tax burden, while creating a post-retirement income flow. This is not the typical financial planning or retirement advice book that describes theories and best practices. It is the practical, real-life recounting of the planning, thought processes and actions taken by an average couple, which resulted in the ultimate prize-a self-funded retirement at age 48.

Rescuing Retirement

A Plan to Guarantee Retirement Security for All Americans

Author: Teresa Ghilarducci,Tony James

Publisher: Columbia University Press

ISBN: 0231546270

Category: Business & Economics

Page: 166

View: 7046

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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.

Your Retirement Quest

10 Secrets for Creating and Living a Fulfilling Retirement

Author: Alan Spector,Keith Lawrence

Publisher: Cincinnati Book Pub

ISBN: 9780981726984

Category: Self-Help

Page: 268

View: 1644

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Your Retirement Quest brings all the elements that are essential to living a fulfilling retirement together in one place. The book enables both prospective and current retirees to envision their future, to develop a personal plan that is unique to their life circumstances, to implement that plan, and to keep it fresh throughout their retirement years. Your Retirement Quest does this by identifying and explaining each of the key elements, by relating the real-life stories of retirees with over 300 cumulative years of retirement experience, by sharing pertinent supporting research, by recognizing the importance of financial security but only in the context of the many other factors that make up a meaningful future, by providing a practical approach to retirement planning, and by revealing the 10 Secrets for Creating and Living a Fulfilling Retirement. Your Retirement Quest is also an important book for employers who are interested in ensuring their most experienced employees are fully engaged at work. The book helps in this regard by bringing clarity and certainty to the employee's future, thereby allowing him or her to reduce distraction and anxiety and to direct more energy into his or her work.

How to Retire with Enough Money

And How to Know What Enough Is

Author: Teresa Ghilarducci

Publisher: Workman Publishing

ISBN: 0761187111

Category: Business & Economics

Page: 112

View: 8316

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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.

Retirement on a Shoestring

Author: John Howells

Publisher: N.A

ISBN: 9780762728497

Category: Travel

Page: 286

View: 801

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This guide provides seniors with information on quality housing, cultural/recreational offerings, working and retirement, investments, medical care, real estate taxes, retirement in foreign countries, and availability of senior services.

Picture Your Prosperity

Smart Money Moves to Turn Your Vision Into Reality

Author: Ellen Rogin,Lisa Kueng

Publisher: Penguin

ISBN: 1591847397

Category: BUSINESS & ECONOMICS

Page: 272

View: 2119

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Builds on the authors' successful workshop to outline an interactive, seven-step plan for women who want to take control of their finances and build wealth in accordance with long-term goals.

The Betrayal of the American Dream

Author: Donald L. Barlett,James B. Steele

Publisher: Public Affairs

ISBN: 1586489690

Category: Social Science

Page: 289

View: 9797

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Examines the formidable challenges facing the middle class, calling for fundamental changes while surveying the extent of the problem and identifying the people and agencies most responsible.

Lost in September

Author: Kathleen Winter

Publisher: Vintage Books Canada

ISBN: 9780345810137

Category:

Page: 304

View: 6942

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"Through Kathleen Winter's incredible act of empathy, we enter the world of a character named General James Wolfe--a tall, red-haired, homeless thirty-something ex-soldier, battered by PTSD--as he camps out on the streets of modern-day Quebec City, trying to remember and reclaim his youth. In creating this extraordinary character, Kathleen Winter pored over the real-life letters of General Wolfe, which were acquired by the University of Toronto in 2013 for an astronomical sum. The letters, written to his mother, begin when he was a child soldier of 13, and end when he was 32, already a scarred veteran of war, just two weeks before his famous death on the Plains of Abraham. What emerges from this little-seen cache is the opposite of the public face: history portrays Wolfe as the iconic victor but his correspondence reveals a lifelong struggle with melancholy and trauma, a desperate longing for poetry, dance, enlightenment. It also depicts how, at 25, Wolfe was awarded a two-week study leave in Paris. He was ecstatic ... but before he could depart, Britain adopted Europe's Gregorian calendar and the entire country lost eleven days forever: September 2 was followed by September 14. Wolfe forfeited his longed-for leave, and exactly 7 years later, on September 13, 1759, he died. In her inventive retelling, Winter gives Wolfe the gift of those lost eleven days in September--but in a different era: he is dropped into the world of contemporary Quebec. Her befuddled soldier is determined to reclaim his time and understand what has become of the British North America for which he'd abandoned his personal happiness. What he finds is not an answer, but unsettling questions about the price war exacts and the cost of all empires, past and present."--

The Upside of Aging

How Long Life Is Changing the World of Health, Work, Innovation, Policy and Purpose

Author: Paul Irving

Publisher: John Wiley & Sons

ISBN: 1118691903

Category: Business & Economics

Page: 304

View: 4685

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The Upside of Aging: How Long Life Is Changing the World of Health, Work, Innovation, Policy and Purpose explores a titanic shift that will alter every aspect of human existence, from the jobs we hold to the products we buy to the medical care we receive - an aging revolution underway across America and the world. Moving beyond the stereotypes of dependency and decline that have defined older age, The Upside of Aging reveals the vast opportunity and potential of this aging phenomenon, despite significant policy and societal challenges that must be addressed. The book’s chapter authors, all prominent thought-leaders, point to a reinvention and reimagination of our older years that have critical implications for people of all ages. With a positive call to action, the book illuminates the upside for health and wellness, work and volunteerism, economic growth, innovation and education. The authors, like the baby boom generation itself, posit new ways of thinking about aging, as longevity and declining birthrates put the world on track for a mature population of unprecedented size and significance. Among topics they examine are: The emotional intelligence and qualities of the aging brain that science is uncovering, “senior moments” notwithstanding. The new worlds of genomics, medicine and technology that are revolutionizing health care and wellness. The aging population’s massive impact on global markets, with enormous profit potential from an explosion in products and services geared toward mature consumers. New education paradigms to meet the needs and aspirations of older people, and to capitalize on their talents. The benefits that aging workers and entrepreneurs bring to companies, and the crucial role of older people in philanthropy and society. Tools and policies to facilitate financial security for longer and more purposeful lives. Infrastructure and housing changes to create livable cities for all ages, enabling “aging in place” and continuing civic contribution from millions of older adults. The opportunities and potential for intergenerational engagement and collaboration. The Upside of Aging defines a future that differs profoundly from the retirement dreams of our parents and grandparents, one that holds promise and power and bears the stamp of a generation that has changed every stage of life through which it has moved.

Knock Out Your Retirement Income Worries Forever

The Ultimate Training Guide for Developing Financial Security

Author: William Smith

Publisher: N.A

ISBN: 9781599323114

Category: Business & Economics

Page: 124

View: 3072

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Traditional retirement income plans that rely on Social Security, a pension and your personal savings have been destroyed by our greedy politicians and Wall Street. What are you to do in the new age of retirement? Can you rely on traditional retirement planning methods, or is it time to develop an alternative plan for the new economy? On the pages within are the answers you are searching for. How to create a guaranteed paycheck using a strategy called ILIP (Inflation Laddered Income Plan) Common-sense retirement planning strategies that will protect your hard-earned savings during unstable times Why your investments could be costing you a boatload in hidden fees What to do if you are “pension-less” and must use your 401(k) to develop an investment plan for income in retirement Why most financial professionals may not be right for your current financial stage of life

The Longevity Economy

Unlocking the World's Fastest-Growing, Most Misunderstood Market

Author: Joseph F. Coughlin

Publisher: PublicAffairs

ISBN: 1610396650

Category: Business & Economics

Page: 352

View: 8191

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Oldness: a social construct at odds with reality that constrains how we live after middle age and stifles business thinking on how to best serve a group of consumers, workers, and innovators that is growing larger and wealthier with every passing day. Over the past two decades, Joseph F. Coughlin has been busting myths about aging with groundbreaking multidisciplinary research into what older people actually want--not what conventional wisdom suggests they need. In The Longevity Economy, Coughlin provides the framing and insight business leaders need to serve the growing older market: a vast, diverse group of consumers representing every possible level of health and wealth, worth about $8 trillion in the United States alone and climbing. Coughlin provides deep insight into a population that consistently defies expectations: people who, through their continued personal and professional ambition, desire for experience, and quest for self-actualization, are building a striking, unheralded vision of longer life that very few in business fully understand. His focus on women--they outnumber men, control household spending and finances, and are leading the charge toward tomorrow's creative new narrative of later life--is especially illuminating. Coughlin pinpoints the gap between myth and reality and then shows businesses how to bridge it. As the demographics of global aging transform and accelerate, it is now critical to build a new understanding of the shifting physiological, cognitive, social, family, and psychological realities of the longevity economy.

General Revenue Revision

Hearings Before the Committee on Ways and Means, House of Representatives, Eighty-fifth Congress, Second Session, on Topics Pertaining to the General Revision of the Internal Revenue Code ...

Author: N.A

Publisher: N.A

ISBN: N.A

Category: Taxation

Page: 3588

View: 9596

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January 21-24, 27-30, 1958. pp. 1293-2437

Author: United States. Congress. House. Committee on Ways and Means

Publisher: N.A

ISBN: N.A

Category: Taxation

Page: 3588

View: 3751

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Hearing includes. a. "Report on Corporate Distributions and Adjustments," by Advisory Group on Subchapter C of the Internal Revenue Code, Dec. 24, 1957 (p. 2491-2574). b. "Revised First Report on Estates, Trusts, Beneficiaries, and Decedents," by Advisory Group on Subchapter J of the Internal Revenue Code, Nov. 22, 1957 (p. 2693-2757). c. "Legislative Recommendations," by section on taxation, ABA, 1957 (p. 2827-2897). d. "Recommendations for Amendments to the Internal Revenue Code," by American Institute for Certified Public Accountants, committee on taxation, Feb. 3, 1958 (p. 2901-2950).

Bulletin

Author: American Medical Association. Bureau of Medical Economic Research

Publisher: N.A

ISBN: N.A

Category: Medical economics

Page: N.A

View: 1074

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Unequal Ageing in Europe

Women's Independence and Pensions

Author: G. Betti,F. Bettio,T. Georgiadis,P. Tinios

Publisher: Springer

ISBN: 1137384107

Category: Social Science

Page: 187

View: 987

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Unequal Ageing in Europe explores the gender pension gap across the 28 member states of the European Union, plus Iceland and Norway.

Retirement Heist

How Companies Plunder and Profit from the Nest Eggs of American Workers

Author: Ellen E. Schultz

Publisher: Penguin

ISBN: 1101446072

Category: Political Science

Page: 256

View: 1862

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"'As far as I can determine there is only one solution [to the CEO's demand to save more money]', the HR representative wrote to her superiors. 'That would be the death of all existing retirees.'" It's no secret that hundreds of companies have been slashing pensions and health coverage earned by millions of retirees. Employers blame an aging workforce, stock market losses, and spiraling costs- what they call "a perfect storm" of external forces that has forced them to take drastic measures. But this so-called retirement crisis is no accident. Ellen E. Schultz, award-winning investigative reporter for the Wall Street Journal, reveals how large companies and the retirement industry-benefits consultants, insurance companies, and banks-have all played a huge and hidden role in the death spiral of American pensions and benefits. A little over a decade ago, most companies had more than enough set aside to pay the benefits earned by two generations of workers, no matter how long they lived. But by exploiting loopholes, ambiguous regulations, and new accounting rules, companies essentially turned their pension plans into piggy banks, tax shelters, and profit centers. Drawing on original analysis of company data, government filings, internal corporate documents, and confidential memos, Schultz uncovers decades of widespread deception during which employers have exaggerated their retiree burdens while lobbying for government handouts, secretly cutting pensions, tricking employees, and misleading shareholders. She reveals how companies: Siphon billions of dollars from their pension plans to finance downsizings and sell the assets in merger deals Overstate the burden of rank-and-file retiree obligations to justify benefits cuts while simultaneously using the savings to inflate executive pay and pensions Hide their growing executive pension liabilities, which at some companies now exceed the liabilities for the regular pension plans Purchase billions of dollars of life insurance on workers and use the policies as informal executive pension funds. When the insured workers and retirees die, the company collects tax-free death benefits Preemptively sue retirees after cutting retiree health benefits and use other legal strategies to erode their legal protections. Though the focus is on large companies-which drive the legislative agenda-the same games are being played at smaller companies, non-profits, public pensions plans and retirement systems overseas. Nor is this a partisan issue: employees of all political persuasions and income levels-from managers to miners, pro- football players to pilots-have been slammed. Retirement Heist is a scathing and urgent expose of one of the most critical and least understood crises of our time.