{"title":"Retirement Books","description":"","products":[{"product_id":"plan-a-secure-retirement-teach-yourself-9781444102246","title":"Plan A Secure Retirement Teach Yourself","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e","brand":"Book Curl","offers":[{"title":"Default Title","offer_id":48087959208279,"sku":"9781444102246","price":8.24,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9781444102246.jpg?v=1713543863"},{"product_id":"wisdom-at-work-9780241367711","title":"Wisdom at Work","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e\u003cp\u003e''An engaging, timely exploration of how to bring more wisdom into our work lives'' Adam Grant, \u003ci\u003eNew York Times \u003c\/i\u003ebestselling author of \u003ci\u003eOriginals\u003c\/i\u003e\u003cbr\u003e\u003cbr\u003e''This is exactly what we need right now!'' Brené Brown\u003cbr\u003e\u003cbr\u003e\u003cb\u003eDo you want to reinvent the second half of your career?\u003cbr\u003e\u003c\/b\u003e\u003cbr\u003e------------------------------------------------------------\u003cbr\u003e\u003cbr\u003eChip Conley ignites a bold, urgent conversation about age and ageism in the workplace, He liberates the term ''elder'' from the stigma of ''elderly'', and reveals the value of wisdom that can only be accrued through years on the planet. Wisdom at Work will teach you how to be indispensable in the second half of your working life.\u003cbr\u003e\u003cbr\u003e''Anyone feeling jaded, jejune or just plain past it at work can read this book in a morning and feel revived'' \u003ci\u003eThe Financial Times\u003c\/i\u003e\u003c\/p\u003e\u003cbr\u003e\u003cbr\u003e\u003cb\u003eTrade Review\u003c\/b\u003e\u003cbr\u003eAs more people live in good health for longer they are asking themselves what they should do with this new stage of life. In this marvellous book Chip Conley gives them a great answer - rewire don't retire. The Modern Elder is about combining a youthfulness in later life with the maturity and wisdom of experience * Andrew Scott, co-author of The 100 Year Life *\u003cbr\u003eThis is ultimately a book about how we can develop deeper connections, disrupt how we think about teaching and learning, and make more meaningful contributions in our lives and our careers. With stories, questions, and strategies, Chip shares his heart and wisdom on every page. This is exactly what we need right now! -- Brené Brown * Ph.D., LMSW, Author of the #1 New York Times Bestseller, Braving the Wilderness *\u003cbr\u003eAn engaging, timely exploration of how to bring more wisdom into our work lives. Chip Conley has lived it, and here he teaches you what it takes to find more of it -- Adam Grant * New York Times bestselling author of Originals, Give and Take, and Option B with Sheryl Sandberg *\u003cbr\u003eI love the idea that society needs more \u003ci\u003eModern Elders\u003c\/i\u003e who offer generosity without an agenda. Chip Conley's articulation of the growing need of wisdom and emotional intelligence in a world obsessed with speed and digital intelligence is spot-on! Every young company could use some \"wisdom insurance\" -- Marshall Goldsmith * Thinkers 50 World’s #1 Executive Coach, #6 Most Influential Business Thinker 2017 *\u003cbr\u003e\u003ci\u003eWisdom at Work\u003c\/i\u003e beautifully illustrates the opportunity that each of us has to embark on an encore career. Bravo to Chip Conley for writing this timely and inspiring book. Having begun my third chapter at the age of 60, I can attest that this is the most productive and rewarding time of my life. Applying one's knowledge and passion in the service of missions larger than ourselves is the greatest gift of being a Perennial -- Sherry Lansing * Founder \u0026amp; CEO, the Sherry Lansing Foundation, Former Chairman \u0026amp; CEO, Paramount Pictures *\u003cbr\u003eIn an era in which a brilliant idea or even gut instinct seems to be celebrated as success, Chip Conley's book is a great reminder that wisdom, including analysis, hard work, patience and the like, is still essential -- Arne Sorenson * President and CEO, Marriott International *\u003cbr\u003eBeing smart comes from studying or understanding complex things, yet wisdom is something deeper. We don't become wise simply because we get old; wisdom is something we must actively cultivate in order to accumulate. Every one of us should learn what it takes to gain wisdom, and Chip Conley is wise to give us the guide for our journey -- Simon Sinek * optimist and bestselling author of Start With Why and Leaders Eat Last *\u003cbr\u003eAnyone feeling jaded, jejune or just plain past it at work can read this book in a morning and feel revived -- Financial Times * Business books of the month *\u003cbr\u003eChip Conley will be your guide in learning how to cultivate a beginner's mind...and be the sage counselor * Brian Chesky, cofounder and CEO, Airbnb *","brand":"Penguin Books Ltd","offers":[{"title":"Default Title","offer_id":48733062201687,"sku":"9780241367711","price":13.49,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9780241367711.jpg?v=1719999309"},{"product_id":"rich-af-9780241644959","title":"Rich AF","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e\u003cp\u003e\u003cb\u003e\u003ch2\u003eFrom TikTok star and Your (favourite) Rich BFF Vivian Tu, the definitive book on personal finance for a new generation\u003c\/h2\u003e\u003c\/b\u003e\u003c\/p\u003e\u003cp\u003e \u003c\/p\u003e\u003cp\u003eBuilding on the lessons she learned on Wall Street about money and the markets, Vivian Tu now offers her best personal finance tips and tricks to readers of all ages and demographics, so that anyone can get rich, whether you grew up knowing the rules to the game or not.\u003c\/p\u003e\u003cp\u003e \u003c\/p\u003e\u003cp\u003e      \u003cb\u003eVivian will be your mentor, dispensing fresh, no-BS advice on how to think like a rich person and create smart money habits, breaking down her best recommendations to help you:\u003c\/b\u003e\u003c\/p\u003e\u003cp\u003e      \u003cb\u003eMaximize your earnings to get more out of your 9-to-5\u003c\/b\u003e\u003c\/p\u003e\u003cp\u003e      \u003cb\u003eUnderstand the differences between savings accounts, and where you should keep your money\u003c\/b\u003e\u003c\/p\u003e\u003cp\u003e      \u003cb\u003eIdentify the tax strategies and (legal) loopholes you need to retire in style\u003c\/b\u003e\u003c\/p\u003e\u003cp\u003e      \u003cb\u003eOvercome investing fears to secure wealth for generations \u003c\/b\u003e\u003c\/p\u003e\u003cp\u003e\u003cb\u003e \u003c\/b\u003e\u003cbr\u003e\u003cbr\u003e\u003cb\u003eTrade Review\u003c\/b\u003e\u003cbr\u003eI wish this book existed when I was coming up and making money for the first time, because Vivian shows us how to make our finances WORK for us! So proud to see my fellow Asian girly teach us all how to be Rich AF! -- Bretman Rock, social media phenomenon and bestselling author\u003cbr\u003eI can’t get enough of ‘Your Rich BFF’ on social media. Vivian’s book, \u003ci\u003eRich AF,\u003c\/i\u003e is as smart, funny, and forthright as her videos, but there are more of her stories to enjoy as she imparts valuable lessons and breaks down complicated financial concepts in a way that will keep you chuckling as you read. -- Lisa Ling, award-winning journalist and CBS News reporter\u003cbr\u003e'If you’ve ever felt like the world of finance wasn’t for you, Vivian will show you that no matter who you are, it’s never too late to pull up your seat at the table. \u003ci\u003eRich AF\u003c\/i\u003e proves that finance is for everyone!' -- Karamo Brown, author, actor, and Queer Eye culture expert\u003cbr\u003e'In \u003ci\u003eRich AF\u003c\/i\u003e, Vivian’s passion for financial literacy and desire to help others shines through. This is an excellent roadmap for those who want to learn how to make the most of their money.' -- Alexa von Tobel, CFP®, author of Financially Forward and founder of Inspired Capital\u003cbr\u003eA spry crash course for how young people can build wealth * Publishers Weekly *\u003cbr\u003eThis book will appeal to everyone who deals with money, especially younger readers who are starting their career journeys and looking to build financial strategies of their own. * Booklist *\u003c\/p\u003e","brand":"Penguin Books Ltd","offers":[{"title":"Default Title","offer_id":48733340926295,"sku":"9780241644959","price":17.09,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9780241644959.jpg?v=1719999911"},{"product_id":"how-to-retire-overseas-everything-you-need-to-know-to-live-well-for-less-abroad-9780525538462","title":"How to Retire Overseas Everything You Need to","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e\u003cb\u003eThe definitive guide for anyone dreaming of living in paradise when they retire. \u003c\/b\u003e \u003cbr\u003e\u003cbr\u003e Whether motivated by a desire for adventure, or the need to make the most of a diminished nest egg, more and more Americans are considering an overseas retirement. Drawing on her more than three decades of experience helping people relocate happily and successfully, Kathleen Peddicord shows how living in an unconventional retirement destination can cost less than a traditional home in Florida or Arizona. Peddicord addresses all of the essential issues, including: \u003cbr\u003e\u003cbr\u003e• Finding a home to own or rent\u003cbr\u003e• Researching and understanding your tax liability\u003cbr\u003e• Obtaining health insurance and medical care\u003cbr\u003e• Avoiding common mistakes and pitfalls\u003cbr\u003e• Opening a bank account\u003cbr\u003e\u003cbr\u003e Whether readers are interested in relatively unknown havens like Nicaragua, well-traveled areas in Italy, or need some help deciding, \u003ci\u003eHow to Retire Overseas\u003c\/i\u003e is the u","brand":"Penguin Putnam Inc","offers":[{"title":"Default Title","offer_id":48733866918231,"sku":"9780525538462","price":14.24,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9780525538462.jpg?v=1720001928"},{"product_id":"social-security-and-medicare-9781119737254","title":"Social Security and Medicare","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e\u003cp\u003eThe long-term future of the American Social Security system which provides retirement, disability, and survivor benefits to millions, is uncertain. This is triggering big concerns for many workers who are paying into the system and need to make decisions about their retirement. This book features real-world situations around Social Security and Medicare to help financial professionals provide better advise to their clients on their personal financial plans.\u003c\/p\u003e \u003cp\u003eKey topics include:\u003c\/p\u003e \u003cul\u003e \u003cli\u003eWhat Medicare will and will not do\u003c\/li\u003e \u003cli\u003eManaging Medicare gaps\u003c\/li\u003e \u003cli\u003eAnalyzing the wide menu of Social Security benefits\u003c\/li\u003e \u003cli\u003eSocial Security benefits for workers and families: retirement, survivor, disability, and death benefit\u003c\/li\u003e \u003cli\u003eTax impact of Social Security premiums and benefits\u003c\/li\u003e \u003cli\u003eImpact of the 3.8 percent Medicare surtax on investment income\u003c\/li\u003e \u003cli\u003eRecent changes to the Medicare law\u003c\/li\u003e \u003c\/ul\u003e\u003cbr\u003e\u003cbr\u003e\u003cb\u003eTable of Contents\u003c\/b\u003e\u003cbr\u003e\u003cp\u003e\u003cb\u003eChapter 1 1-1\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eHow the Social Security System Operates 1-1\u003c\/p\u003e \u003cp\u003eFICA tax 1-4\u003c\/p\u003e \u003cp\u003eMedicare tax 1-6\u003c\/p\u003e \u003cp\u003eMedicare tax on earned income 1-7\u003c\/p\u003e \u003cp\u003eMedicare tax on net investment income 1-10\u003c\/p\u003e \u003cp\u003eNot everyone is covered under Social Security 1-13\u003c\/p\u003e \u003cp\u003eSummary 1-15\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 2 2-1\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eBenefit Eligibility 2-1\u003c\/p\u003e \u003cp\u003eSummary 2-8\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 3 3-1\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eSocial Security Retirement Benefits 3-1\u003c\/p\u003e \u003cp\u003eRetirement benefits 3-3\u003c\/p\u003e \u003cp\u003eAIME 3-5\u003c\/p\u003e \u003cp\u003eCalculating the PIA 3-7\u003c\/p\u003e \u003cp\u003eReduction in benefits for claiming benefits early 3-11\u003c\/p\u003e \u003cp\u003eDelaying Social Security retirement benefits 3-14\u003c\/p\u003e \u003cp\u003eSpousal retirement benefits 3-16\u003c\/p\u003e \u003cp\u003eWorking after retirement 3-23\u003c\/p\u003e \u003cp\u003eSummary 3-25\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 4 4-1\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eSocial Security Survivors’ Benefits 4-1\u003c\/p\u003e \u003cp\u003eNo benefits in the month of death 4-3\u003c\/p\u003e \u003cp\u003eChildren’s benefits 4-10\u003c\/p\u003e \u003cp\u003eDependent parent’s benefits 4-12\u003c\/p\u003e \u003cp\u003eSummary 4-13\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 5 5-1\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eDisability Income Benefits 5-1\u003c\/p\u003e \u003cp\u003eCharacteristics attributable to disabled-worker beneficiaries 5-3\u003c\/p\u003e \u003cp\u003eMedical eligibility for Social Security disability income benefits 5-13\u003c\/p\u003e \u003cp\u003eWhen SSDI benefits will end 5-20\u003c\/p\u003e \u003cp\u003eSummary 5-23\u003c\/p\u003e \u003cp\u003eAppendix A Chapter 5, A-1\u003c\/p\u003e \u003cp\u003eOASDI and SSI Program Rates \u0026amp; Limits 2019 Chapter 5, A-1\u003c\/p\u003e \u003cp\u003eAppendix B Chapter 5, B-1\u003c\/p\u003e \u003cp\u003eOASDI and SSI Program Rates \u0026amp; Limits 2018 Chapter 5, B-1\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 6 6-1\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eTaxation of Social Security Benefits 6-1\u003c\/p\u003e \u003cp\u003eHow benefits are reported 6-3\u003c\/p\u003e \u003cp\u003eSummary 6-10\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 7 7-1\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eMedicare 7-1\u003c\/p\u003e \u003cp\u003eOriginal Medicare 7-3\u003c\/p\u003e \u003cp\u003eMedicare premiums and coinsurance rates \u003ci\u003eMedicare Part A \u003c\/i\u003e7-7\u003c\/p\u003e \u003cp\u003eCurrent Medicare premiums and deductibles 7-8\u003c\/p\u003e \u003cp\u003eAre the premiums tax-deductible? 7-17\u003c\/p\u003e \u003cp\u003eSkilled nursing care under Medicare Part A 7-20\u003c\/p\u003e \u003cp\u003eHome healthcare coverage \u003ci\u003eUnder Medicare Part A \u003c\/i\u003e7-22\u003c\/p\u003e \u003cp\u003eHospice coverage \u003ci\u003eUnder Medicare Part A \u003c\/i\u003e7-25\u003c\/p\u003e \u003cp\u003eMedicare Part B coverage 7-27\u003c\/p\u003e \u003cp\u003eMedicare Part C Advantage plans 7-29\u003c\/p\u003e \u003cp\u003eMedicare Part D — Prescription drugs 7-31\u003c\/p\u003e \u003cp\u003eMedicare supplemental (Medigap) insurance 7-34\u003c\/p\u003e \u003cp\u003eSummary 7-38\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 8 8-1\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eThe Future of Social Security and Medicare 8-1\u003c\/p\u003e \u003cp\u003eThe system is strained 8-2\u003c\/p\u003e \u003cp\u003eFixing the problems 8-9\u003c\/p\u003e \u003cp\u003eSummary 8-11\u003c\/p\u003e \u003cp\u003eAppendix A A-1\u003c\/p\u003e \u003cp\u003eFact Sheet A-1\u003c\/p\u003e \u003cp\u003eIndex Index 1\u003c\/p\u003e \u003cp\u003eSolutions Solutions 1\u003c\/p\u003e \u003cp\u003eChapter 1 Solutions 1\u003c\/p\u003e \u003cp\u003eChapter 2 Solutions 2\u003c\/p\u003e \u003cp\u003eChapter 3 Solutions 3\u003c\/p\u003e \u003cp\u003eChapter 4 Solutions 4\u003c\/p\u003e \u003cp\u003eChapter 5 Solutions 6\u003c\/p\u003e \u003cp\u003eChapter 6 Solutions 8\u003c\/p\u003e \u003cp\u003eChapter 7 Solutions 9\u003c\/p\u003e \u003cp\u003eChapter 8 Solutions 11\u003c\/p\u003e","brand":"John Wiley \u0026 Sons Inc","offers":[{"title":"Default Title","offer_id":48738370355543,"sku":"9781119737254","price":67.5,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9781119737254.jpg?v=1723811986"},{"product_id":"veterans-benefits-guide-for-dummies-9781119907619","title":"Veterans Benefits Guide For Dummies","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e\u003cbr\u003e\u003cbr\u003e\u003cb\u003eTable of Contents\u003c\/b\u003e\u003cbr\u003e\u003cp\u003e\u003cb\u003eIntroduction 1\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart 1: Writing Your Next Chapter 5\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eChapter 1: Gearing Up for That DD-214 Life 7\u003c\/p\u003e \u003cp\u003eChapter 2: Tying Your Discharge Status into Benefits 21\u003c\/p\u003e \u003cp\u003eChapter 3: Navigating VA Claims and Appeals 39\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart 2: Medical Care, Life Insurance, and Compensation Programs 57\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eChapter 4: Helping Yourself to Health Benefits 59\u003c\/p\u003e \u003cp\u003eChapter 5: Exploring VA Healthcare 69\u003c\/p\u003e \u003cp\u003eChapter 6: Probing into TRICARE 95\u003c\/p\u003e \u003cp\u003eChapter 7: Securing Your Family’s Future with VA Life Insurance 111\u003c\/p\u003e \u003cp\u003eChapter 8: Cashing In on Military Pensions, Severance Pay, and the TSP 119\u003c\/p\u003e \u003cp\u003eChapter 9: Taking a Close Look at Disability Pay 137\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart 3: Employment, Education, and Housing Programs 159\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eChapter 10: Applying to Employment Programs 161\u003c\/p\u003e \u003cp\u003eChapter 11: Transitioning from the Military to More Government Employment 177\u003c\/p\u003e \u003cp\u003eChapter 12: Building Your Own Business with Veterans Benefits 187\u003c\/p\u003e \u003cp\u003eChapter 13: Bringing Receipts: Using Your GI Bill 199\u003c\/p\u003e \u003cp\u003eChapter 14: Staking Your Claim on Other Education Programs 217\u003c\/p\u003e \u003cp\u003eChapter 15: Buying into Post-Military Life with Your VA Loan Benefit 229\u003c\/p\u003e \u003cp\u003eChapter 16: Enjoying Your Golden Years in a Military Retirement Home 239\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart 4: Burial and Memorial Benefits, Survivor Benefits, and More 245\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eChapter 17: Accessing Benefits for Homeless Vets 247\u003c\/p\u003e \u003cp\u003eChapter 18: Using Benefits While Incarcerated 257\u003c\/p\u003e \u003cp\u003eChapter 19: Applying for Benefits for Women, Minority, and LGBTQ+ Vets 265\u003c\/p\u003e \u003cp\u003eChapter 20: Zeroing In on Claims for Vets of Specific Wars, Former POWs, and Disabled Vets 269\u003c\/p\u003e \u003cp\u003eChapter 21: Diving into Benefits for Spouses, Dependents, and Caregivers 295\u003c\/p\u003e \u003cp\u003eChapter 22: Examining Burial and Memorial Benefits 305\u003c\/p\u003e \u003cp\u003eChapter 23: Surveying Survivor Benefits 315\u003c\/p\u003e \u003cp\u003eChapter 24: Shopping ‘til You Drop: Benefits for Retirees and Other ID Cardholders 323\u003c\/p\u003e \u003cp\u003eChapter 25: Seeing the World with Travel Benefits 329\u003c\/p\u003e \u003cp\u003eChapter 26: Sidling up to State Veterans Benefits 337\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart 5: The Part of Tens 347\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eChapter 27: Ten Ways to Get Your Disability Claim Denied 349\u003c\/p\u003e \u003cp\u003eChapter 28: Ten Tips to Maximize Your Benefits 353\u003c\/p\u003e \u003cp\u003eIndex 357\u003c\/p\u003e","brand":"John Wiley \u0026 Sons Inc","offers":[{"title":"Default Title","offer_id":48738375434583,"sku":"9781119907619","price":16.19,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9781119907619.jpg?v=1723811994"},{"product_id":"annuities-for-dummies-9781394168583","title":"Annuities For Dummies","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e\u003cbr\u003e\u003cbr\u003e\u003cb\u003eTable of Contents\u003c\/b\u003e\u003cbr\u003e\u003cp\u003eIntroduction 1\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart 1: Making Sense of Annuities 5\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eChapter 1: The ABCs of Annuities 7\u003c\/p\u003e \u003cp\u003eChapter 2: Taming the Big Retirement Risks 21\u003c\/p\u003e \u003cp\u003eChapter 3: Diving into Annuity Documents 33\u003c\/p\u003e \u003cp\u003eChapter 4: Weighing Annuity Pros and Cons 47\u003c\/p\u003e \u003cp\u003eChapter 5: Deciding Whether an Annuity Is Right for You 59\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart 2: Identifying the Major Annuities 73\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eChapter 6: Earning Interest with Fixed Annuities 75\u003c\/p\u003e \u003cp\u003eChapter 7: Creating Retirement Paychecks with Income Annuities 91\u003c\/p\u003e \u003cp\u003eChapter 8: Gambling on Fixed Indexed Annuities 111\u003c\/p\u003e \u003cp\u003eChapter 9: Aiming Higher with Registered Index-Linked Annuities 129\u003c\/p\u003e \u003cp\u003eChapter 10: Tapping Variable Annuities for Tax Breaks and Income 143\u003c\/p\u003e \u003cp\u003eChapter 11: Aging Gracefully with Deferred Income Annuities and Qualified Longevity Annuity Contracts 161\u003c\/p\u003e \u003cp\u003eChapter 12: Tapping the Liquidity in Your Home 175\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart 3: Shopping in the Annuity Marketplace 189\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eChapter 13: Issuing Annuities: It’s What Life Insurers Do 191\u003c\/p\u003e \u003cp\u003eChapter 14: Meeting the Annuity Salespeople 205\u003c\/p\u003e \u003cp\u003eChapter 15: Site-Seeing in the Annuity Web World 219\u003c\/p\u003e \u003cp\u003eChapter 16: Adding Annuities to 401(k)s 229\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart 4: Getting the Most out of Your Annuity 243\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eChapter 17: Building Safe Retirement Income 245\u003c\/p\u003e \u003cp\u003eChapter 18: The Taxing Side of Annuities 259\u003c\/p\u003e \u003cp\u003eChapter 19: Recognizing Annuity Exit Ramps 269\u003c\/p\u003e \u003cp\u003eChapter 20: Structuring Your Annuity Correctly 277\u003c\/p\u003e \u003cp\u003eChapter 21: Avoiding Annuity Pitfalls 285\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart 5: The Part of Tens 295\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eChapter 22: Ten Great Books about Annuities 297\u003c\/p\u003e \u003cp\u003eChapter 23: Ten Questions to Ask Before You Sign a Contract 303\u003c\/p\u003e \u003cp\u003eChapter 24: Ten Annuity Checkpoints on the Information Highway 311\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart 6: Appendixes 317\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eAppendix A: Glossary 319\u003c\/p\u003e \u003cp\u003eAppendix B: State Guaranty Associations 329\u003c\/p\u003e \u003cp\u003eIndex 333\u003c\/p\u003e","brand":"John Wiley \u0026 Sons Inc","offers":[{"title":"Default Title","offer_id":48738659926359,"sku":"9781394168583","price":17.09,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9781394168583.jpg?v=1720049805"},{"product_id":"dreams-of-eleven-the-gripping-unexpected-story-of-a-quest-from-the-author-of-personal-islands-9781915067173","title":"Dreams of Eleven: the gripping, unexpected story","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003eHow do you 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Now his wife has followed a job to New York and a corporate scandal has put him on garden leave. He's got nowhere left to hide. So when Richard announces he's looking for Julie, a girl he last saw 40 years ago, everyone suspects he's still carrying a torch for his childhood sweetheart.   But this search is so much more.   The stunning, powerful new novel from Michael Bartlett\u003cbr\u003e\u003cbr\u003e\u003cb\u003eTrade Review\u003c\/b\u003e\u003cbr\u003e\"Some of the best stories are quests ... 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Even if you read the book then or more recently, a refresher course is probably in order.… A lucid mix of the theoretical and the pragmatic.\" -- Chicago Tribune\u003cbr\u003e\"Not more than half a dozen really good books about investing have been written in the past fifty years. This one may well belong in the classics category.\" -- Forbes\u003cbr\u003e\"Do you want to do well in the stock market? Here’s the best advice. Scrape together a few bucks and buy Burton Malkiel’s book. Then take what’s left and put it in an index fund.\" -- The Los Angeles Times","brand":"WW Norton \u0026 Co","offers":[{"title":"Default Title","offer_id":48866560475479,"sku":"9781324035435","price":15.29,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9781324035435.jpg?v=1722279222"},{"product_id":"the-good-retirement-guide-2023-9781398609167","title":"The Good Retirement Guide 2023","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e\u003cb\u003eJonquil Lowe\u003c\/b\u003e is an economist and author specializing in personal finance. With a background in stockbroking and then as head of money research at Which?, her career spans 40 years and around 30 books, the latest being \u003cb\u003e\u003ci\u003eThe Good Retirement Guide\u003c\/i\u003e\u003c\/b\u003e, published by Kogan Page. She is Senior Lecturer in Economics and Personal Finance at the Open University, a Senior Fellow of the Higher Education Academy and an Associate Member of the Chartered Institute for Securities and Investments. \u003cb\u003eJonquil Lowe\u003c\/b\u003e is based in Northampton, UK.    \u003cb\u003e\u003c\/b\u003e\u003cbr\u003e\u003cbr\u003e\u003cb\u003eTable of Contents\u003c\/b\u003e\u003cbr\u003e\u003cul\u003e\u003cli\u003e\u003cul\u003e\n\u003cli\u003eChapter - 01: Are you looking forward to retirement?;\u003c\/li\u003e\n\u003cli\u003eChapter - 02: Money and budgeting;\u003c\/li\u003e\n\u003cli\u003eChapter - 03: Pensions;\u003c\/li\u003e\n\u003cli\u003eChapter - 04: Tax;\u003c\/li\u003e\n\u003cli\u003eChapter - 05: Investment;\u003c\/li\u003e\n\u003cli\u003eChapter - 06: Your home;\u003c\/li\u003e\n\u003cli\u003eChapter - 07: Retiring abroad;\u003c\/li\u003e\n\u003cli\u003eChapter - 08: Leisure activities;\u003c\/li\u003e\n\u003cli\u003eChapter - 09: Starting your own business;\u003c\/li\u003e\n\u003cli\u003eChapter - 10: Looking for paid work;\u003c\/li\u003e\n\u003cli\u003eChapter - 11: Voluntary work;\u003c\/li\u003e\n\u003cli\u003eChapter - 12: Health;\u003c\/li\u003e\n\u003cli\u003eChapter - 13: Holidays;\u003c\/li\u003e\n\u003cli\u003eChapter - 14: Caring for elderly parents;\u003c\/li\u003e\n\u003cli\u003eChapter - 15: No one is immortal;\u003c\/li\u003e\n\u003c\/ul\u003e\u003c\/li\u003e\u003c\/ul\u003e","brand":"Kogan Page Ltd","offers":[{"title":"Default Title","offer_id":48866640003415,"sku":"9781398609167","price":14.99,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9781398609167.jpg?v=1722279594"},{"product_id":"retire-young-retire-rich-how-to-get-rich-quickly-and-stay-rich-forever-9781612680408","title":"Retire Young Retire Rich: How to Get Rich Quickly","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003eIf you don't plan on working hard all your life...this book is for you. If you're ready to retire (or want to retire early enough to enjoy your retirement years) you can learn from Robert's story of how he and his wife Kim started with nothing and 'retired'--financially free--in less than 10 years. This book makes the case for how a context shift in the way we think about money and investing allows us to see opportunities others miss and create the life you deserve.","brand":"Plata Publishing","offers":[{"title":"Default Title","offer_id":48867760046423,"sku":"9781612680408","price":999.99,"currency_code":"GBP","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9781612680408.jpg?v=1722284830"},{"product_id":"who-stole-my-pension-how-you-can-stop-the-looting-9781612681030","title":"Who Stole My Pension?: How You Can Stop the","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003eIt’s estimated that there are over 50 million pensioners—in the United States alone. Like the United States, the United Kingdom, Japan, Italy, Germany and many other countries around the world are all in big trouble when it comes to the solvency of their pension funds. Who Stole My Pension? was written to give them guidance, resources, and tools so they can take action… and stop the looting.     We are in the early stages of the greatest retirement crisis in the history of our nation and, indeed, the entire world. According to the World Health Organization, nearly two billion people around the world are expected to be over age 60 by 2050, a figure that’s more than triple what it was in 2000. For better or for worse, never before have there been more elderly people living on planet Earth.     One thing is. certain: Doing nothing—sitting back, confident your pension check is “in the mail”—is not an option. That’s a risk you can’t afford to take.    According to Edward Siedle, a former attorney with the United States Securities and Exchange Commission and America’s leading expert in pension looting, “In the decades to come, we will witness hundreds of millions of elders worldwide, including America’s Baby Boomers, slipping into poverty. Too frail to work, too poor to retire will become the “new normal” for many of the aged.”     Kiyosaki, who like Siedle saw this crisis looming years ago, complements the facts and stats Siedle puts forth with strategies on how retirees can take control—not only their pensions, but their financial futures. Kiyosaki writes about the fact that his father, a highly educated man he calls his poor dad, wasn’t poor until he lost his job, his paycheck—and his pension. “His PHD couldn’t save him,” says Kiyosaki, who has dedicated his life to teaching and financial literacy advocacy.     In Who Stole My Pension? the authors focus on the most misunderstood and ignored cause of the pension crisis: mismanagement of pensions and investments. The culprits that are looting the pensions of public school teachers, firefighters, police, as well as private sector workers, are on Wall Street. The Wall Street casinos charging high fees for gambling in risky hedge funds and other speculative investments, outrageous investment-industry conflicts of interest, and outright violations of the law. Who Stole My Pension? is an in-depth assessment of the pension crisis that the world is facing today and what millions around the world—employees who expected to have pension income at retirement—can do about it.    The authors recount a history of pension failures, inexperienced boards, gambling, looting and other horror stories—with a focus on action steps workers and retirees can take to quickly determine if a pension is being mismanaged as well as the concrete steps they can take to end decades of pension mismanagement. They detail critical questions retirees can ask—and guidance regarding how to act on what they learn.","brand":"Plata Publishing","offers":[{"title":"Default Title","offer_id":48867760669015,"sku":"9781612681030","price":13.29,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9781612681030.jpg?v=1722284835"},{"product_id":"keys-to-a-successful-retirement-staying-happy-active-and-productive-in-your-retired-years-9781646113392","title":"Keys to a Successful Retirement: Staying Happy,","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e","brand":"Rockridge Press","offers":[{"title":"Default Title","offer_id":48867965501783,"sku":"9781646113392","price":12.99,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9781646113392.jpg?v=1722285826"},{"product_id":"hbr-guide-to-designing-your-retirement-9781647824914","title":"HBR Guide to Designing Your Retirement","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e\u003cp\u003e\u003cb\u003eSet yourself up for a successful transition.\u003c\/b\u003e\u003c\/p\u003e\u003cp\u003eRetirement is perhaps the greatest and most deeply personal career transition you'll ever make. Will you switch gears, slow down, or stop work entirely? Will you have the money, the good health, and the companionship you need to enjoy it?\u003c\/p\u003e\u003cp\u003eThe \u003cb\u003eHBR Guide to Designing Your Retirement\u003c\/b\u003e provides the practical tips, research, stories, and advice you need to take stock of your skills and interests and define retirement for yourself.\u003c\/p\u003e\u003cp\u003eYou'll learn how to:\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eAssess your readiness to make the transition\u003c\/li\u003e\n\u003cli\u003eCraft a plan to slow your pace—or stop working altogether\u003c\/li\u003e\n\u003cli\u003eExperiment with possible future selves\u003c\/li\u003e\n\u003cli\u003eFind new ways to apply old skills\u003c\/li\u003e\n\u003cli\u003eCommunicate your plan to key partners\u003c\/li\u003e\n\u003cli\u003eBridge your old identity to your new one \u003c\/li\u003e\n\u003cli\u003eStay connected\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003e\u003c\/p\u003e\u003cp\u003eArm yourself with the advice you need to succeed on the job, with the most trusted brand in business. 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It is my attempt to answer, \"What next?\" for students who are embarking on their \"second act\".' - Julia Cameron \u003cbr\u003e\u003cbr\u003eJulia Cameron has inspired millions with her bestseller on creativity, \u003ci\u003eThe Artist's Way\u003c\/i\u003e. In \u003ci\u003eThe Artist's Way for Retirement\u003c\/i\u003e, she turns her eye to a segment of the population that, ironically, while they have more time to be creative, are often reluctant or intimidated by the creative process. Cameron shows readers that retirement can, in fact, be the most rich, fulfilling and creative time of our lives. \u003cbr\u003e\u003cbr\u003eWhen we retire, the newfound freedom can be quite exciting, but also daunting. Julia guides readers through a 12-week course aimed at defining and creating the life you want to have. 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Welcome to a world where you're halfway to the office before you realize you don't work there any more, you somehow seem to have even less free time than before to do all the things you need to do, and suddenly daytime TV seems a whole lot more appealing than it ever used to...\u003cbr\u003e\u003cbr\u003e This indispensable handbook, packed with amusing illustrations, is here to guide you through the pleasures and pitfalls of being retired. Most importantly, though, it'll teach you how to how to make sure you always get a decent afternoon nap.\u003cbr\u003e\u003cbr\u003e This book is perfect gift for retirees, offering tongue-in-cheek advice on how to make the most of their new-found freedom.\u003c\/p\u003e","brand":"Octopus Publishing Group","offers":[{"title":"Default Title","offer_id":48868425400663,"sku":"9781787835726","price":7.99,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9781787835726.jpg?v=1722287967"},{"product_id":"the-retirement-handbook-a-guide-to-making-the-most-of-your-newfound-freedom-9781787836983","title":"The Retirement Handbook: A Guide to Making the","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e\u003cp\u003e\u003cstrong\u003eThis is just the beginning…\u003c\/strong\u003e\u003c\/p\u003e  \u003cp\u003eRetirement 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.\u003c\/p\u003e","brand":"Octopus Publishing Group","offers":[{"title":"Default Title","offer_id":48868425859415,"sku":"9781787836983","price":9.49,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9781787836983.jpg?v=1722287969"},{"product_id":"retirement-rebel-one-woman-one-motorhome-one-great-big-adventure-9781839811791","title":"Retirement Rebel: One woman, one motorhome, one","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e\u003cp\u003eApproaching retirement and frustrated with her job, Siobhan Daniels made a BIG decision: to start living life on her own terms. Rather than hiding from life’s challenges, she bought a motorhome and drove off to find them.\u003c\/p\u003e\u003cp\u003e\u003ci\u003eRetirement Rebel\u003c\/i\u003e is Siobhan’s honest and uplifting story of how one woman stepped off the merry-go-round of life, slowed down and started enjoying the journey. Of how she sold up, packed up and hit the roads of the UK with no real plan, embarking on a positive-ageing adventure and hoping to inspire women across the country with her message that retirement could actually be the \u003ci\u003estart\u003c\/i\u003e of life’s adventures. With no shortage of mishaps and hardships along the way – not least being commanded to ‘stay at home’ during the Covid lockdowns, despite \u003ci\u003ealways\u003c\/i\u003e being at home wherever she was – Siobhan’s story can inspire us all. Her message is that we can make simple lifestyle changes to feel happier and more fulfilled. Because at the end of the day, age shouldn’t be a barrier to having an adventure.\u003c\/p\u003e\u003cbr\u003e\u003cbr\u003e\u003cb\u003eTable of Contents\u003c\/b\u003e\u003cbr\u003e1 Bereavement2 Taking on the World3 The London Marathon, Yorkshire Three Peaks and Malawi4 This is Really Happening5 Packing Up6 Dora the Explora7 Getting to Grips with Life on the Road8 Best Friends’ Trip9 Mother and Daughter: Time to Pause and Reflect10 Loch Morlich: My Life-changing Moment11 Stopped in My Tracks12 Go Home?! This is My Home!13 Volunteering on the Farm14 I Was Ready for My Dream to Come True15 What I Have Learnt and What Next","brand":"Vertebrate Publishing Ltd","offers":[{"title":"Default Title","offer_id":48868645306711,"sku":"9781839811791","price":9.49,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9781839811791.jpg?v=1722289031"},{"product_id":"retirement-for-beginners-cartoons-funny-jokes-and-humorous-observations-for-the-retired-9781849537513","title":"Retirement for Beginners: Cartoons, Funny Jokes,","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e\u003cp\u003e\u003cb\u003eThe future is ours - let's enjoy it! This hilarious fully illustrated book will help ease you into this strange and perplexing new stage of your life.\u003c\/b\u003e\u003cbr\u003e\u003cbr\u003eAfter all those years of routine you're suddenly free! You're bound to be a bit nervous - it is your first time. No more being bossed about - well, apart from by your other half, of course.  No more getting up at the crack of dawn to go to work - though at your age you may have to get up at the crack of dawn anyway to use the loo. No more wage slavery - er, no more wages...\u003cbr\u003e\u003cbr\u003eBut it's going to be fine, because you can now do what you want to do - within reason, naturally. Within these pages you'll discover:\u003cbr\u003e\u003cbr\u003e- What your new job as \"retiree\" involves, the hours (all of them) and the pay (let's face it, if anyone advertised a job with this salary, no one would take it)\u003cbr\u003e- Conversations you will no longer have to have\u003cbr\u003e- Things you no longer have to feel guilty about\u003cbr\u003e- Pursuits for bored retirees\u003cbr\u003e- Truths that will slowly dawn on you\u003cbr\u003e- Ways to supplement your pension\u003cbr\u003e...and all the other perks (and niggles) that come with your new position (and no, we don't mean \"horizontal on the sofa\").\u003c\/p\u003e","brand":"Octopus Publishing Group","offers":[{"title":"Default Title","offer_id":48868771103063,"sku":"9781849537513","price":7.59,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9781849537513.jpg?v=1722289635"},{"product_id":"baby-steps-millionaires-how-ordinary-people-built-extraordinary-wealth-and-how-you-can-too-9781942121596","title":"Baby Steps Millionaires: How Ordinary People","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e","brand":"Ramsey Press","offers":[{"title":"Default Title","offer_id":48869172674903,"sku":"9781942121596","price":18.98,"currency_code":"GBP","in_stock":true}]},{"product_id":"meet-the-frugalwoods-9780062668141","title":"Meet the Frugalwoods","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e","brand":"HarperCollins Publishers Inc","offers":[{"title":"Default Title","offer_id":48883769540951,"sku":"9780062668141","price":16.14,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9780062668141.jpg?v=1722528964"},{"product_id":"the-good-retirement-guide-2022-9781398603455","title":"The Good Retirement Guide 2022","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e\u003cb\u003eJonquil Lowe\u003c\/b\u003e is an economist and author specializing in personal finance. With a background in stockbroking and then as head of money research at Which?, her career spans 40 years and around 30 books, the latest being \u003ci\u003eThe Good Retirement Guide\u003c\/i\u003e, published by Kogan Page. She is Senior Lecturer in Economics and Personal Finance at the Open University, a Senior Fellow of the Higher Education Academy, and an Associate Member of the Chartered Institute for Securities and Investments. She is based in Northampton.","brand":"Kogan Page Ltd","offers":[{"title":"Default Title","offer_id":48885485797719,"sku":"9781398603455","price":15.99,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9781398603455.jpg?v=1722536605"},{"product_id":"retirement-savings-and-security-9781536156478","title":"Retirement Savings and Security","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003eThe U.S. retirement system, and the workers and retirees it was designed to help, face major challenges. Traditional pensions have become much less common, and individuals are increasingly responsible for planning and managing their own retirement savings accounts, such as 401(k) plans. Yet research shows that many households are ill-equipped for this task and have little or no retirement savings. Chapter 1 examines these challenges, drawing from prior work and others' research, as well as insights from a panel of retirement experts on how to better ensure a secure and adequate retirement, with dignity, for all. Chapter 2 examines key challenges U.S. participants face with: (1) unclaimed retirement accounts in the United States, and (2) complying with U.S. tax reporting requirements on their foreign retirement savings.\u003cbr\u003e\u003cbr\u003e\u003cb\u003eTable of Contents\u003c\/b\u003e\u003cbr\u003eFor more information, please visit our website at:https:\/\/novapublishers.com\/shop\/retirement-savings-and-security\/","brand":"Nova Science Publishers Inc","offers":[{"title":"Default Title","offer_id":48886129951063,"sku":"9781536156478","price":138.39,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9781536156478.jpg?v=1722538924"},{"product_id":"retirement-issues-benefits-and-developments-9781536157031","title":"Retirement: Issues, Benefits and Developments","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003eStrengthening the U.S. retirement system to be more accessible and financially sound is important to ensuring that all Americans can retire with dignity and security, and to managing the fiscal exposures to the federal government from various retirement-related programs. Currently, the U.S. retirement system, and many of the workers and retirees it was designed to help, face major challenges. Chapter 1 discusses (1) the fiscal risks and other challenges facing the U.S. retirement system, and (2) the need to re-evaluate our nation's approach to financing retirement. Chapters 2 and 3 discuss the Social Security full retirement age. Chapter 4 provides information on the benefits and disadvantages of alternate price indexes for measuring the cost of living for older Americans. Chapter 5 examines (1) how much in retirement savings is transferred to states as unclaimed property and what happens to those savings once transferred and (2) the steps IRS and DOL have taken to oversee these transfers and what improvements are needed. Chapter 6 discusses the availability of enhanced retirement benefits for federal law enforcement officers (LEOs). Chapters 7 and 8 focus on the Railroad Retirement Board (RRB), an independent federal agency, which administers retirement, survivor, disability, unemployment, and sickness insurance for railroad workers and their families. Chapters 9 and 10 provide information on the military retirement system.\u003cbr\u003e\u003cbr\u003e\u003cb\u003eTable of Contents\u003c\/b\u003e\u003cbr\u003eChapter 1. The Nations Retirement System: A Comprehensive Re-evaluation Needed to Better Promote Future Retirement Security. Statement of Gene L. Dodaro. Chapter 2. The Social Security Retirement AgeZhe Li. Chapter 3. Social Security Benefit Claiming Age Zhe Li","brand":"Nova Science Publishers Inc","offers":[{"title":"Default Title","offer_id":48886131229015,"sku":"9781536157031","price":138.39,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9781536157031.jpg?v=1722538927"},{"product_id":"social-security-disability-background-benefits-and-programs-9781536157475","title":"Social Security Disability: Background, Benefits","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003eSocial Security Disability Insurance (SSDI) provides benefits to nonelderly workers and their eligible dependents if the worker paid Social Security taxes for a certain number of years and is unable to perform substantial work due to a qualifying impairment. Chapter 1 provides an overview of the DI trust fund and its current financial outlook. Chapter 2 discusses the rules and processes used to determine eligibility for SSDI and SSI. It also explains how benefit amounts are computed, the types of non-cash benefits available to individuals who meet SSA''s disability standards, and how each program is financed. Chapter 3 analyzes the relative importance of factors affecting SSDI benefit receipts and terminations over the past 30 years. Chapter 4 examines what is known about how coverage and key features of SSDI and PDI compare, and the potential implications of three distinct proposals to expand employer-sponsored PDI on the Disability Insurance Trust Fund and various stakeholders. Chapter 5 examines trends in SSA''s transfers and processing times of appealed cases over the past decade, SSA''s monitoring of efforts to meet processing time goals through case transfers, and any challenges SSA faces in transferring cases between offices. Chapter 6 is the statement of Elizabeth Curda on SSA disabilty programs.","brand":"Nova Science Publishers Inc","offers":[{"title":"Default Title","offer_id":48886132080983,"sku":"9781536157475","price":138.39,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9781536157475.jpg?v=1722538932"},{"product_id":"the-labor-guide-to-retirement-plans-for-union-organizers-and-employees-9781583679340","title":"The Labor Guide to Retirement Plans: For Union","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e","brand":"Monthly Review Press,U.S.","offers":[{"title":"Default Title","offer_id":48886435414359,"sku":"9781583679340","price":999.99,"currency_code":"GBP","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9781583679340.jpg?v=1722540045"},{"product_id":"the-labor-guide-to-retirement-plans-for-union-organizers-and-employees-9781583679333","title":"The Labor Guide to Retirement Plans: For Union","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e","brand":"Monthly Review Press,U.S.","offers":[{"title":"Default Title","offer_id":48886435807575,"sku":"9781583679333","price":999.99,"currency_code":"GBP","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9781583679333.jpg?v=1722540045"},{"product_id":"state-local-government-retiree-benefits-9781604566055","title":"State \u0026 Local Government Retiree Benefits","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e","brand":"Nova Science Publishers Inc","offers":[{"title":"Default Title","offer_id":48886643654999,"sku":"9781604566055","price":40.79,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9781604566055.jpg?v=1722541015"},{"product_id":"role-of-savings-other-issues-in-retirement-readiness-9781607414469","title":"Role of Savings \u0026 Other Issues in Retirement","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e","brand":"Nova Science Publishers Inc","offers":[{"title":"Default Title","offer_id":48886730686807,"sku":"9781607414469","price":107.99,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9781607414469.jpg?v=1722541329"},{"product_id":"federal-employees-retirement-system-9781614703945","title":"Federal Employees' Retirement System","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e","brand":"Nova Science Publishers Inc","offers":[{"title":"Default Title","offer_id":48886851961175,"sku":"9781614703945","price":106.49,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9781614703945.jpg?v=1722541875"},{"product_id":"retirement-income-considerations-for-employees-policymakers-9781621006060","title":"Retirement Income: Considerations for Employees \u0026","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e","brand":"Nova Science Publishers Inc","offers":[{"title":"Default Title","offer_id":48886975889751,"sku":"9781621006060","price":139.49,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9781621006060.jpg?v=1722542437"},{"product_id":"womens-retirement-security-challenges-trends-9781622578948","title":"Women's Retirement Security: Challenges \u0026 Trends","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003eElderly women, who comprise a growing portion of the U.S. population, have historically been at greater risk of living in poverty than elderly men. Several factors contribute to the higher rate of poverty among elderly women including their tendency to have lower lifetime earnings, their taking time out of the workforce to care for family members, and outliving their spouses. Other factors affecting older women''s financial insecurity include the economic downturn and changing trends in pension plan offerings. This book examines how women''s access to and participation in employer-sponsored retirement plans compare to men''s and how they have changed over time; how women''s retirement income compares to men''s and how the composition of their income  the proportion of income coming from different sources - has changed with the economic conditions and trends in pension design; and what policy options are available to help increase women''s retirement income security.","brand":"Nova Science Publishers Inc","offers":[{"title":"Default Title","offer_id":48886997090647,"sku":"9781622578948","price":106.49,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9781622578948.jpg?v=1722542542"},{"product_id":"401-k-plans-spend-down-options-international-experiences-lessons-9781631175800","title":"401(k) Plans \u0026 Spend-Down Options: International","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e","brand":"Nova Science Publishers Inc","offers":[{"title":"Default Title","offer_id":48887108469079,"sku":"9781631175800","price":119.99,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9781631175800.jpg?v=1722543040"},{"product_id":"401-k-plans-protection-issues-for-forced-transfers-inactive-accounts-9781634825986","title":"401(k) Plans: Protection Issues for Forced","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e","brand":"Nova Science Publishers Inc","offers":[{"title":"Default Title","offer_id":48887190749527,"sku":"9781634825986","price":131.19,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9781634825986.jpg?v=1722543439"},{"product_id":"my-retirement-my-way-9780593435861","title":"My Retirement My Way","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e\u003cb\u003eDesign your dream retirement with this life-changing workbook for the newly retired.\u003c\/b\u003e\u003cbr\u003e\u003cbr\u003eEntering retirement is exciting, but all the new possibilities can be daunting. What will you do all day? Where should you live? How will you make your money last? Will you be happy? In \u003ci\u003eMy Retirement, My Way, \u003c\/i\u003eCertified Professional Retirement Coach Veronica McCain helps you dig deep to plan for a successful, fulfilling retirement.\u003cbr\u003e\u003cbr\u003e\u003cul\u003e\n\u003cli\u003e\n\u003cb\u003eCreate your own, unique roadmap to retirement with guided exercises \u003c\/b\u003ethat encourage you to examine your values, define success, discover or rediscover passions, find meaning, set goals, and ultimately decide what will make you happy in your second act.\u003c\/li\u003e\n\u003cli\u003e\n\u003cb\u003eExplore innovative advice for living your best retirement life \u003c\/b\u003ewith tips on finances, relationships, health, and more.\u003c\/li\u003e\n\u003cli\u003e\n\u003cb\u003eDiscover how other new retirees \u003c\/b\u003ecreated their ideal retirements and avoided common pitfalls.\u003c\/li\u003e\n\u003cli\u003e\u003cb\u003eFind everything you need to make s\u003c\/b\u003e\u003c\/li\u003e\n\u003c\/ul\u003e","brand":"Random House USA Inc","offers":[{"title":"Default Title","offer_id":49083545420119,"sku":"9780593435861","price":16.14,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9780593435861.jpg?v=1725549281"},{"product_id":"your-retirement-salary-9780857195678","title":"Your Retirement Salary","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e\u003cp\u003eYou have spent a few decades working, earning a salary, and saving into company and personal pensions along the way. Now, retirement is approaching.\u003cbr\u003e\u003cbr\u003eHow will you turn your savings into a salary to pay for essentials and  and non-essentials  in retirement? How will you make sure that you don't run out of money in retirement? What do the UK pension freedoms mean for you?\u003cbr\u003e\u003cbr\u003eIn this one-of-a-kind book, personal finance experts Richard Dyson and Richard Evans answer these questions and equip you with everything you need to know to turn your pension savings into an income that will last throughout your retirement.\u003cbr\u003e\u003cbr\u003eYou will learn:\u003cbr\u003e\u003cbr\u003e-- How to take control of your pension savings by tracking down all of your pension pots and combining them.\u003cbr\u003e\u003cbr\u003e-- When you can afford to retire.\u003cbr\u003e\u003cbr\u003e-- Steps to take to avoid running out of money.\u003cbr\u003e\u003cbr\u003e-- How to build an income-paying portfolio of fund investments from scratch.\u003cbr\u003e\u003cbr\u003e-- How to withdraw a sustainable income from your portfolio.\u003cbr\u003e\u003cbr\u003e-- How annuities work and whether they have a role for you.\u003cbr\u003e\u003cbr\u003e-- How to make the most of the tax rules.\u003cbr\u003e\u003cbr\u003e-- The importance of the state pension and how to maximise it.\u003cbr\u003e\u003cbr\u003e-- When to seek professional advice.\u003cbr\u003e\u003cbr\u003eThis is your complete, step-by-step guide to organising your pension money and making the most out of it to pay yourself a retirement salary. Don't enter retirement without it.\u003c\/p\u003e","brand":"Harriman House Publishing","offers":[{"title":"Default Title","offer_id":49083722465623,"sku":"9780857195678","price":13.49,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9780857195678.jpg?v=1725549826"},{"product_id":"make-the-most-of-retirement-9780857468642","title":"Make the Most of Retirement","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003eRetire' means to withdraw', to retreat', togive ground', tocease to compete'. In one sense that is true: retirement does involve a leaving of office or employment. Yet retirement is also about new beginnings and new opportunities. In this helpful book, grounded both in personal experience and in extensive research among retired ministers, and rich in quotations from an eclectic range of writers, Paul Beasley-Murray explores how retirement is part of God's rhythm for our lives and provides encouragement and insights for this next stage of the journey. A must-read for lay and ordained Christians alike.''Like all the writings of Paul Beasley-Murray, this refreshing book is thoroughly researched and generously illustrated from personal experience, and never shrinks from reflecting on the shadow side of this period of life.'' David Coffey OBE, Global Ambassador for BMS World Mission  and past President of the Baptist World Alliance''An invaluable aid for ministers of religion, in particular","brand":"BRF (The Bible Reading Fellowship)","offers":[{"title":"Default Title","offer_id":49083728822615,"sku":"9780857468642","price":8.54,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9780857468642.jpg?v=1725549845"},{"product_id":"when-were-64-9781472960689","title":"When Were 64","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e\u003cp\u003e\u003cb\u003eThe essential guide to making sure you have a fabulous later life.\u003c\/b\u003e\u003cbr\u003e\u003cbr\u003eYou're likely to live longer than you think. Today's fifty-year olds could have an astounding 36 or more years of life. What's your dream life for your later years?  \u003cbr\u003e\u003cbr\u003e\u003ci\u003eWhen We're 64 \u003c\/i\u003eis a friendly, practical guide to preparing for what could be the best years of your life - from the essentials on work and how to fund retirement, to volunteering, where to live and what kind of housing you'll need. It covers how to stay healthy  and still live a full life if you get a health condition  and reveals how your attitude to ageing could actually increase your lifespan. There are sections on relationships with family and friends, as well as caring for older relatives and how to tackle loneliness. \u003cbr\u003e\u003cbr\u003ePacked with expert advice and new evidence and tips on how to age well, this route map will help you plan and prepare for the future.\u003c\/p\u003e\u003cbr\u003e\u003cbr\u003e\u003cb\u003eTrade Review\u003c\/b\u003e\u003cbr\u003eAn easy to read excellent guide, full of practical advice to help prepare us for a happy and healthy older age. -- Diana Moran * Green Goddess *\u003cbr\u003eA very important book for the next phase in people’s lives -- Professor Sir Muir Gray\u003cbr\u003eThis uplifting playbook is essential preparation for later life. Grounded in the latest research, it guides us through all the practical steps needed to face the future positively – and that’s the key to health and happiness in our sixties and beyond. -- Celia Dodd * author of Not Fade Away *\u003cbr\u003eA new stage of life is emerging as longer lives give us extra years between middle age and old age. \u003ci\u003eWhen We’re 64\u003c\/i\u003e provides a guide to navigating the new opportunities that lie ahead. -- Andrew Scott * co-author of The 100-Year Life *\u003cbr\u003eAn indispensable book by a leading anti-ageing expert * Mail on Sunday *\u003cbr\u003eAn easy-to-read guide to a great later life, including advice to follow (from your 50s) to keep healthy and happy. * Woman's Weekly *\u003cbr\u003eThis cheery book is a practical guide to making later life look and feel fab. It covers a range of topics from pensions and volunteering, to housing and loneliness. If you're nervous about the coming years – for you or a loved one – prepare to feel fully reassured. * Top Sante *\u003cbr\u003eA brilliant, friendly, practical guide to a better later life. -- Aggie MacKenzie * My Weekly *\u003cbr\u003eThe ultimate practical guide to later life… filled with expert advice and new evidence and tips on how to age well, an eminently readable, light-hearted look at how to plan and prepare for what could be the best years of your life * Celebrity Angels *\u003cbr\u003e\u003cbr\u003e\u003cb\u003eTable of Contents\u003c\/b\u003e\u003cbr\u003e\u003ci\u003eIntroduction\u003c\/i\u003e  1 The ‘new’ issue of old age 2 How are you ageing? 3 Are you an old age ageist? 4 Funding it 5 Nice work if you can get it 6 Fit as a fiddle or good enough health? 7 Where you’ll live 8 What your home should look like 9 Friends, family and other folk 10 Make change now  \u003ci\u003eTop Resources\u003c\/i\u003e \u003ci\u003eAcknowledgements\u003c\/i\u003e \u003ci\u003eBibliography\u003c\/i\u003e \u003ci\u003eIndex\u003c\/i\u003e","brand":"Bloomsbury Publishing PLC","offers":[{"title":"Default Title","offer_id":49084004794711,"sku":"9781472960689","price":11.69,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9781472960689.jpg?v=1725550739"},{"product_id":"cracking-open-the-nest-egg-how-to-make-your-retirement-savings-last-the-distance-9781990003462","title":"Cracking Open the Nest Egg: How to make your","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003ePlanning for retirement can be a scary thought, whether it is just around the corner or years in the future. Martin Hawes, one of New Zealand’s best-known experts on personal finance, answers all of the questions that may be keeping you up at night: How much will I need to retire? Can I ever afford to stop working? How do I make sure my money lasts as long as I do? Working out how you can achieve a regular monthly retirement income is more difficult than it used to be. Historically low interest rates (despite the current blip) plus longer life expectancy means the old method of parking your nest egg in a savings account and living off the interest is no longer an option.  Hawes guides you step-by-step through the planning process, showing you how you can safely create a regular income for the rest of your life.  Cracking Open the Nest Egg will help you to confidently take control of your financial future and achieve the kind of retirement you always dreamed of.","brand":"Upstart Press Ltd","offers":[{"title":"Default Title","offer_id":49084729852247,"sku":"9781990003462","price":16.19,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9781990003462.jpg?v=1725553158"},{"product_id":"rescuing-retirement-9780231185646","title":"Rescuing Retirement","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003eIn  \u003ci\u003eRescuing Retirement\u003c\/i\u003e, 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. It offers a practical guide to the future of secure retirement.\u003cbr\u003e\u003cbr\u003e\u003cb\u003eTrade Review\u003c\/b\u003e\u003cbr\u003eRescuing Retirement is an explicit call to action aimed directly at those with the greatest stake in the problem-the millions of workers, employers, and policy makers whose lives will be affected by the actions (or inaction) of today's stakeholders. -- Stephanie Kelton, University of Missouri-Kansas City\u003cbr\u003e\u003cbr\u003e\u003cb\u003eTable of Contents\u003c\/b\u003e\u003cbr\u003eForeword, by Timothy Geithner\u003cbr\u003eAcknowledgments\u003cbr\u003e1. Society’s Retirement Crisis\u003cbr\u003e2. How We Got Here: America’s Broken Retirement System\u003cbr\u003e3. Six Key Problems: The Consequences of a Broken Retirement System\u003cbr\u003e4. Rescuing Retirement: A Four-Pronged Solution\u003cbr\u003e5. Case Studies: Similar Plans in Action\u003cbr\u003e6. Why Not Just Expand Social Security?: Americans Need a Universal Pension System \u003cbr\u003e7. Growing Support from the American People and a Mandate for Congress\u003cbr\u003e8. The Employer's Stake in Retirement Reform  \u003cbr\u003e9. Conclusion\u003cbr\u003eQuestions and Answers on the Guaranteed Retirement Account\u003cbr\u003eAppendix A: The Cost of a Principal Protection Guarantee\u003cbr\u003eAppendix B: GRAs Versus Other Policy Solutions\u003cbr\u003eAppendix C: Looking at Retirement Coverage Across the Country\u003cbr\u003eNotes\u003cbr\u003eBibliography\u003cbr\u003eIndex","brand":"Columbia University Press","offers":[{"title":"Default Title","offer_id":49400326750551,"sku":"9780231185646","price":52.88,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9780231185646.jpg?v=1730470396"},{"product_id":"rescuing-retirement-9780231185653","title":"Rescuing Retirement","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003eIn \u003ci\u003eRescuing Retirement\u003c\/i\u003e, 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. It offers a practical guide to the future of secure retirement.\u003cbr\u003e\u003cbr\u003e\u003cb\u003eTrade Review\u003c\/b\u003e\u003cbr\u003eFinally, a practical plan to address Americans’ lack of adequate retirement savings. This silent crisis, if not solved, will slow growth, challenge budgets, and hurt households across the United States. Teresa Ghilarducci and Tony James are proposing a smarter, more cost-effective way of securing the retirements of all Americans. This plan is critical to warding off a looming retirement savings crisis. -- Michael Bloomberg\u003cbr\u003e\u003ci\u003eRescuing Retirement\u003c\/i\u003e presents a thoughtful and compelling view of how the current retirement system is failing our people—and offers a thought-provoking, pragmatic approach to substantially enhancing retirement security for every American. -- Robert Rubin, seventieth U.S. Secretary of the Treasury\u003cbr\u003e\u003ci\u003eRescuing Retirement\u003c\/i\u003e is an explicit call to action aimed directly at those with the greatest stake in the problem—the millions of workers, employers, and policy makers whose lives will be affected by the actions (or inaction) of today’s stakeholders. -- Stephanie Kelton, author of \u003ci\u003eThe Deficit Myth: Modern Monetary Theory and the Birth of the People’s Economy\u003c\/i\u003e\u003cbr\u003eGhilarducci and James aim to eliminate the retirement savings gap for those earning under $100,000 through affordable, low-fee, mandatory accounts with automatic annuitization.  The pairing of an expert retirement economist and a financial hotshot has produced an innovative approach to this critical policy challenge.  We need every idea we can get! -- Alicia Munnell, director, Center for Retirement Research, Boston College\u003cbr\u003eIn the face of a daunting national crisis, Tony James and Teresa Ghilarducci have proposed a practical bipartisan solution that deserves the attention of business leaders, policy makers, and legislators. -- Jim Sinegal, cofounder and former CEO of Costco\u003cbr\u003eRetiring with dignity shouldn’t be out of reach for so many Americans. Tony James and Teresa Ghilarducci’s plan is a bold and innovative fix to our broken retirement system. -- Chris Nassetta, president and CEO of Hilton Worldwide\u003cbr\u003eAll workers should have the same retirement security and peace of mind that teachers, police officers, firefighters, and other public employees have earned and have fought hard to maintain. Ghilarducci and James's plan for universal, prefunded, secure-for-life pensions\u003cb\u003e—\u003c\/b\u003esupplements to Social Security\u003cb\u003e—\u003c\/b\u003eis a great exemplar of how to achieve a secure retirement. -- Randi Weingarten, president, American Federation of Teachers\u003cbr\u003eGhilarducci and James never slip into wonk-speak or jargon, and lay readers will appreciate the way the authors make sense of complex economic issues. * Publishers Weekly *\u003cbr\u003eThe argument is clearly made and succinctly presented. Highly recommended. * Choice *\u003cbr\u003eFor more than three decades, the economist Teresa Ghilarducci, who specializes in retirement economics and policy, has documented this disaster for working people and the crisis it has precipitated, most recently in \u003ci\u003eRescuing Retirement.\u003c\/i\u003e -- Caitlin Zaloom * New York Review of Books *\u003cbr\u003e\u003cbr\u003e\u003cb\u003eTable of Contents\u003c\/b\u003e\u003cbr\u003eForeword, by Timothy Geithner\u003cbr\u003eAcknowledgments\u003cbr\u003e1. Society’s Retirement Crisis\u003cbr\u003e2. How We Got Here: America’s Broken Retirement System\u003cbr\u003e3. Six Key Problems: The Consequences of a Broken Retirement System\u003cbr\u003e4. Rescuing Retirement: A Four-Pronged Solution\u003cbr\u003e5. Case Studies: Similar Plans in Action\u003cbr\u003e6. Why Not Just Expand Social Security?: Americans Need a Universal Pension System \u003cbr\u003e7. Growing Support from the American People and a Mandate for Congress\u003cbr\u003e8. The Employer's Stake in Retirement Reform  \u003cbr\u003e9. Conclusion\u003cbr\u003eQuestions and Answers on the Guaranteed Retirement Account\u003cbr\u003eAppendix A: The Cost of a Principal Protection Guarantee\u003cbr\u003eAppendix B: GRAs Versus Other Policy Solutions\u003cbr\u003eAppendix C: Looking at Retirement Coverage Across the Country\u003cbr\u003eNotes\u003cbr\u003eBibliography\u003cbr\u003eIndex","brand":"Columbia University Press","offers":[{"title":"Default Title","offer_id":49400326783319,"sku":"9780231185653","price":16.14,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9780231185653.jpg?v=1730470397"},{"product_id":"work-optional-9780316450898","title":"Work Optional","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e","brand":"Hachette Books","offers":[{"title":"Default Title","offer_id":49401690947927,"sku":"9780316450898","price":17.09,"currency_code":"GBP","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9780316450898.jpg?v=1730478232"},{"product_id":"the-new-savage-number-9780470538760","title":"The New Savage Number","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e\u003cp\u003eNationally known personal finance expert Terry Savage helps you answer the most important retirement questions\u003c\/p\u003e \u003cp\u003eDuring a time when looking to the future is more important than ever, author Terry Savage offers street smart advice for the many soon-to-be retirees wondering how much longer they will have to work to make up for the losses in their retirement accounts. \u003ci\u003eThe New Savage Number\u003c\/i\u003e provides the strategic guidance and hands-on techniques necessary to plan a successful, satisfying retirement.\u003c\/p\u003e \u003cp\u003eThroughout the book, Savage helps you figure out how much money you need to retire-your savage number-and how to invest to reach that goal. Then, as retirement looms, she guides you through the process of planning withdrawals so the money lasts your entire lifetime. In between, Savage offers practical advice on everything from getting personal finances organized to insuring retirement plans against the disastrous need for long-term care. An informative, engaging book that \u003cbr\u003e\u003cbr\u003e\u003cb\u003eTable of Contents\u003c\/b\u003e\u003cbr\u003ePreface to New Edition.  \u003c\/p\u003e\u003cp\u003e Introduction: Can You Retire?  \u003c\/p\u003e\u003cp\u003e \u003cb\u003ePart 1 Retro-Retirement.\u003c\/b\u003e  \u003c\/p\u003e\u003cp\u003e \u003cb\u003e1 The Savage Number.\u003c\/b\u003e  \u003c\/p\u003e\u003cp\u003e Shaping Retirement Reality.  \u003c\/p\u003e\u003cp\u003e Avoiding Generation Warfare.  \u003c\/p\u003e\u003cp\u003e Hoping for a Miracle?  \u003c\/p\u003e\u003cp\u003e You're Not Alone.  \u003c\/p\u003e\u003cp\u003e The Likely Solution: Retro-Retirement.  \u003c\/p\u003e\u003cp\u003e The Starting Point.  \u003c\/p\u003e\u003cp\u003e \u003cb\u003e2 Time Is Money.\u003c\/b\u003e  \u003c\/p\u003e\u003cp\u003e Consuming Time and Money.  \u003c\/p\u003e\u003cp\u003e Running Out of Time.  \u003c\/p\u003e\u003cp\u003e What's Your Time Worth?  \u003c\/p\u003e\u003cp\u003e The Time Value of Money.  \u003c\/p\u003e\u003cp\u003e How to Avoid Wasting Time (and Money).  \u003c\/p\u003e\u003cp\u003e \u003cb\u003e3 The 10 Key Questions.\u003c\/b\u003e  \u003c\/p\u003e\u003cp\u003e How Long Will I Live?  \u003c\/p\u003e\u003cp\u003e What Will Inflation Do to the Value of My Savings?  \u003c\/p\u003e\u003cp\u003e How Can I Save Enough?  \u003c\/p\u003e\u003cp\u003e How Should I Invest the Money I've Saved for Retirement?  \u003c\/p\u003e\u003cp\u003e How Much Will I Spend to Live in Retirement?  \u003c\/p\u003e\u003cp\u003e How Much Can I Withdraw Each Month without Running Out of Money?  \u003c\/p\u003e\u003cp\u003e What's the Biggest Danger to My Retirement Plans?  \u003c\/p\u003e\u003cp\u003e How Can I Earn Money during Retirement?  \u003c\/p\u003e\u003cp\u003e How Can I Retain Control of My Financial Life?  \u003c\/p\u003e\u003cp\u003e What If I Have Money Left Over When I Die?  \u003c\/p\u003e\u003cp\u003e Getting the Answers.  \u003c\/p\u003e\u003cp\u003e Getting Your “Ballpark Estimate”.  \u003c\/p\u003e\u003cp\u003e \u003cb\u003ePart 2 Monte Carlo Your Money.\u003c\/b\u003e  \u003c\/p\u003e\u003cp\u003e \u003cb\u003e4 The Savage Answer: Monte Carlo Modeling.\u003c\/b\u003e  \u003c\/p\u003e\u003cp\u003e Monte Carlo Modeling—How It Works.  \u003c\/p\u003e\u003cp\u003e Beware of Averages.  \u003c\/p\u003e\u003cp\u003e Monte Carlo Modeling and Retirement Planning.  \u003c\/p\u003e\u003cp\u003e Monte Carlo and You .  \u003c\/p\u003e\u003cp\u003e Do-it-Yourself Monte Carlo.  \u003c\/p\u003e\u003cp\u003e \u003cb\u003e5 Saving Up, Drawing Down.\u003c\/b\u003e  \u003c\/p\u003e\u003cp\u003e Accumulation Phase.  \u003c\/p\u003e\u003cp\u003e Withdrawal Phase.  \u003c\/p\u003e\u003cp\u003e The Right Balance.  \u003c\/p\u003e\u003cp\u003e Seven Best Ways to Save for Retirement.  \u003c\/p\u003e\u003cp\u003e \u003cb\u003e6 Getting It All Together.\u003c\/b\u003e  \u003c\/p\u003e\u003cp\u003e Online, On Paper, On Your Computer.  \u003c\/p\u003e\u003cp\u003e Free Online Money Management.  \u003c\/p\u003e\u003cp\u003e The Basics: Paying Bills Online.  \u003c\/p\u003e\u003cp\u003e Organizing Your Online Financial Life.  \u003c\/p\u003e\u003cp\u003e A Credit Check-up.  \u003c\/p\u003e\u003cp\u003e Portfolio Tracking.  \u003c\/p\u003e\u003cp\u003e Moving beyond Tracking—To Advice.  \u003c\/p\u003e\u003cp\u003e Resources for Getting It Together.  \u003c\/p\u003e\u003cp\u003e \u003cb\u003e7 A Road Map to Monte Carlo.\u003c\/b\u003e  \u003c\/p\u003e\u003cp\u003e The Best Routes.  \u003c\/p\u003e\u003cp\u003e Arriving in Monte Carlo.  \u003c\/p\u003e\u003cp\u003e Choosing a Financial Adviser.  \u003c\/p\u003e\u003cp\u003e \u003cb\u003ePart 3 Investing for Retirement.\u003c\/b\u003e  \u003c\/p\u003e\u003cp\u003e \u003cb\u003e8 Stocks, Bonds, and Chicken Money.\u003c\/b\u003e  \u003c\/p\u003e\u003cp\u003e Realistic Stock Market Expectations.  \u003c\/p\u003e\u003cp\u003e Understanding Bonds.  \u003c\/p\u003e\u003cp\u003e Keep Your Nest Eggs Safe with Chicken Money.  \u003c\/p\u003e\u003cp\u003e A Minute on Mutual Funds.  \u003c\/p\u003e\u003cp\u003e Resources for Stocks, Bonds, and Chicken Money.  \u003c\/p\u003e\u003cp\u003e \u003cb\u003e9 Beyond the Basics.\u003c\/b\u003e  \u003c\/p\u003e\u003cp\u003e Exchange-Traded Funds.  \u003c\/p\u003e\u003cp\u003e Real Estate Investment Trusts.  \u003c\/p\u003e\u003cp\u003e Gold and Natural Resources.  \u003c\/p\u003e\u003cp\u003e Options.  \u003c\/p\u003e\u003cp\u003e Futures.  \u003c\/p\u003e\u003cp\u003e The U.S. Dollar.  \u003c\/p\u003e\u003cp\u003e Hedge Funds.  \u003c\/p\u003e\u003cp\u003e Resources for Investing.  \u003c\/p\u003e\u003cp\u003e \u003cb\u003e10 One-Step Retirement Investing.\u003c\/b\u003e  \u003c\/p\u003e\u003cp\u003e Buying the “Whole” Market.  \u003c\/p\u003e\u003cp\u003e Retirement Investing Made Easy: Targeted Retirement Funds.  \u003c\/p\u003e\u003cp\u003e Starting Small—No Excuses!  \u003c\/p\u003e\u003cp\u003e Make the Call.  \u003c\/p\u003e\u003cp\u003e \u003cb\u003ePart 4 Streams of Retirement Income.\u003c\/b\u003e  \u003c\/p\u003e\u003cp\u003e \u003cb\u003e11 Where Will the Money Come From?\u003c\/b\u003e  \u003c\/p\u003e\u003cp\u003e The Balancing Act: Income versus Principal.  \u003c\/p\u003e\u003cp\u003e Gainful Employment in Retirement.  \u003c\/p\u003e\u003cp\u003e Withdrawals from Retirement Accounts.  \u003c\/p\u003e\u003cp\u003e Generating Income from Your Portfolio.  \u003c\/p\u003e\u003cp\u003e Income Resources.  \u003c\/p\u003e\u003cp\u003e 12 \u003cb\u003eAnnuities for Income and Tax-Deferred Growth.\u003c\/b\u003e  \u003c\/p\u003e\u003cp\u003e Immediate Annuities.  \u003c\/p\u003e\u003cp\u003e Tax-Deferred Annuities.  \u003c\/p\u003e\u003cp\u003e The Latest Annuity Products.  \u003c\/p\u003e\u003cp\u003e Tax-Deferred Annuity Withdrawals.  \u003c\/p\u003e\u003cp\u003e Tax-Deferred Annuity Exchanges  \u003c\/p\u003e\u003cp\u003e Your IRA Inside an Annuity?  \u003c\/p\u003e\u003cp\u003e Annuities: The Real Risk Factor.  \u003c\/p\u003e\u003cp\u003e Annuity Information and Pricing\/Insurance Company Safety Ratings.  \u003c\/p\u003e\u003cp\u003e \u003cb\u003e13 Social Security and Medicare.\u003c\/b\u003e  \u003c\/p\u003e\u003cp\u003e Social In-Security.  \u003c\/p\u003e\u003cp\u003e Medicare.  \u003c\/p\u003e\u003cp\u003e A Final Thought about Social Security and Medicare.  \u003c\/p\u003e\u003cp\u003e Government Benefit Resources.  \u003c\/p\u003e\u003cp\u003e \u003cb\u003e14 How to Turn Your Home into Your Pension.\u003c\/b\u003e  \u003c\/p\u003e\u003cp\u003e Reverse Mortgages.  \u003c\/p\u003e\u003cp\u003e More Income from Your House Using Trusts.  \u003c\/p\u003e\u003cp\u003e Reverse Mortgage Resources.  \u003c\/p\u003e\u003cp\u003e \u003cb\u003ePart 5 Long-Term Care: The Greatest Risk of All.\u003c\/b\u003e  \u003c\/p\u003e\u003cp\u003e \u003cb\u003e15 Long-Term Care Insurance: Who Needs It\u003c\/b\u003e?  \u003c\/p\u003e\u003cp\u003e The Government’s Role in Long-Term Care.  \u003c\/p\u003e\u003cp\u003e Insurance for Your Retirement.  \u003c\/p\u003e\u003cp\u003e Our Parents, Ourselves.  \u003c\/p\u003e\u003cp\u003e Long-Term Care Insurance: A Woman’s Issue.  \u003c\/p\u003e\u003cp\u003e What If You Don’t Use It?  \u003c\/p\u003e\u003cp\u003e Long-Term Care—The Facts.  \u003c\/p\u003e\u003cp\u003e \u003cb\u003e16 How to Understand Long-Term Care Coverage.\u003c\/b\u003e  \u003c\/p\u003e\u003cp\u003e Rising Demand, Soaring Costs.  \u003c\/p\u003e\u003cp\u003e When to Buy? While You Can!  \u003c\/p\u003e\u003cp\u003e How Do I Use My Policy?  \u003c\/p\u003e\u003cp\u003e What Should My Long-Term Care Policy Cover?  \u003c\/p\u003e\u003cp\u003e Key Elements of a Long-Term Care Insurance Policy.  \u003c\/p\u003e\u003cp\u003e \u003cb\u003e17 Buying Your Long-Term Care Policy.\u003c\/b\u003e  \u003c\/p\u003e\u003cp\u003e Which Insurance Company Should You Choose?  \u003c\/p\u003e\u003cp\u003e What Should It Cost?  \u003c\/p\u003e\u003cp\u003e 10-Pay: Controlling Price Risk.  \u003c\/p\u003e\u003cp\u003e Long-Term Care Policies and Income Taxes.  \u003c\/p\u003e\u003cp\u003e Paying for Long-Term Care with Life Insurance and Annuities.  \u003c\/p\u003e\u003cp\u003e Employee Group Long-Term Care Policies.  \u003c\/p\u003e\u003cp\u003e The Federal Long-Term Care Insurance Program.  \u003c\/p\u003e\u003cp\u003e Long-Term Care Insurance from Affinity Programs.  \u003c\/p\u003e\u003cp\u003e A Final Argument: The Cost of Not Having.  \u003c\/p\u003e\u003cp\u003e Long-Term Care Insurance.  \u003c\/p\u003e\u003cp\u003e Resources for Purchasing Long-Term Care Insurance.  \u003c\/p\u003e\u003cp\u003e \u003cb\u003ePart 6 Estate Planning: The Price of Success\u003c\/b\u003e  \u003c\/p\u003e\u003cp\u003e \u003cb\u003e18 What’s Left?\u003c\/b\u003e  \u003c\/p\u003e\u003cp\u003e What Could Happen?  \u003c\/p\u003e\u003cp\u003e What Is Your Estate?  \u003c\/p\u003e\u003cp\u003e What Are Estate Taxes?  \u003c\/p\u003e\u003cp\u003e What Is Probate?  \u003c\/p\u003e\u003cp\u003e What Is a Revocable Living Trust?  \u003c\/p\u003e\u003cp\u003e Health-Care Power of Attorney.  \u003c\/p\u003e\u003cp\u003e Durable Power of Attorney.  \u003c\/p\u003e\u003cp\u003e Living Will.  \u003c\/p\u003e\u003cp\u003e Naming Retirement Plan Beneficiaries.  \u003c\/p\u003e\u003cp\u003e What Else Should You Consider?  \u003c\/p\u003e\u003cp\u003e Moving Assets Out of Your Estate.  \u003c\/p\u003e\u003cp\u003e Life Insurance and Your Estate.  \u003c\/p\u003e\u003cp\u003e Spouses and Estate Planning.  \u003c\/p\u003e\u003cp\u003e Choosing an Estate Planner.  \u003c\/p\u003e\u003cp\u003e Estate Planning Checklist.  \u003c\/p\u003e\u003cp\u003e Conclusion.  \u003c\/p\u003e\u003cp\u003e Acknowledgments.  \u003c\/p\u003e\u003cp\u003e Index. \u003c\/p\u003e","brand":"John Wiley \u0026 Sons Inc","offers":[{"title":"Default Title","offer_id":49402359939415,"sku":"9780470538760","price":11.69,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9780470538760.jpg?v=1730480168"},{"product_id":"the-buckets-of-money-retirement-solution-9780470581575","title":"The Buckets of Money Retirement Solution","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003eInvestors, shell-shocked by the Great Recession of 2008-2009, are looking for answers, for something fresher than the old ''buy-and-hold'' mantra. They hunger for stability, yet yearn for growth to rejuvenate their battered portfolios.  \u003cp\u003eRay Lucia''s \u003ci\u003eThe Buckets of Money Retirement Solution: The Ultimate Guide to Income for Life\u003c\/i\u003e provides just thata reassuring and scientifically proven strategy that gives investors both growth and income.\u003c\/p\u003e \u003cp\u003eLucia, a Certified Financial Planner who''s helped thousands of people invest more than $2 billion, explains how to spend down ''safe'' buckets (containing, for example, Treasuries, CDs, bonds), while leaving a riskier bucket (real estate, stocks and alternative investments) to grow long-term. This strategy shields investors from the short-term ups and downs of the market. And it gives them the courage and discipline to stay invested no matter what the future holds.\u003c\/p\u003e \u003cp\u003eWritten in a breezy, accessible style and loaded with tons of ex\u003cbr\u003e\u003cbr\u003e\u003cb\u003eTable of Contents\u003c\/b\u003e\u003cbr\u003e\u003c\/p\u003e\u003cp\u003eForeword by \u003ci\u003eBen Stein\u003c\/i\u003e xi\u003c\/p\u003e \u003cp\u003eAcknowledgments xv\u003c\/p\u003e \u003cp\u003eIntroduction xvii\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart I Regain Your Balance\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 1 \u003c\/b\u003e\u003cb\u003eAdapt to the Changing Landscape 3\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eThe End of Easy 3\u003c\/p\u003e \u003cp\u003eThe Lessons 9\u003c\/p\u003e \u003cp\u003eA Final Word 10\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 2 \u003c\/b\u003e\u003cb\u003ePrepare for Whatever the Future Holds 11\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eRebuild Your Savings 12\u003c\/p\u003e \u003cp\u003eRethink Your Retirement Years 17\u003c\/p\u003e \u003cp\u003eRetool Your Retirement Savings Plans 23\u003c\/p\u003e \u003cp\u003eReinvent Your Strategy 26\u003c\/p\u003e \u003cp\u003eA Final Word 28\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart II Forge a New Plan\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 3 \u003c\/b\u003e\u003cb\u003eGrasp the Buckets of Money Concept 33\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003ePut Time on Your Side 34\u003c\/p\u003e \u003cp\u003eOther Risks 35\u003c\/p\u003e \u003cp\u003eWall Street’s Answer 38\u003c\/p\u003e \u003cp\u003eFlawed Analyses 40\u003c\/p\u003e \u003cp\u003eMain Street’s Myopia 41\u003c\/p\u003e \u003cp\u003e“Reverse Dollar-Cost Averaging” 42\u003c\/p\u003e \u003cp\u003eProper Allocation 44\u003c\/p\u003e \u003cp\u003eProper Location 45\u003c\/p\u003e \u003cp\u003eA Final Word 47\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 4 \u003c\/b\u003e\u003cb\u003eChoose the Proper Investments 49\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eBucket 1: The Income Bucket 49\u003c\/p\u003e \u003cp\u003eBucket 2: The Relative Safety Bucket, Mid-term Investments 58\u003c\/p\u003e \u003cp\u003eBucket 3: The Growth Bucket, Long-Term Investments 68\u003c\/p\u003e \u003cp\u003eA Final Word 76\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 5 \u003c\/b\u003e\u003cb\u003eExecute the Buckets of Money Strategy 77\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eFirst, Check Goals 77\u003c\/p\u003e \u003cp\u003eArt and Science 78\u003c\/p\u003e \u003cp\u003eFilling the Buckets 79\u003c\/p\u003e \u003cp\u003eBucket 1 80\u003c\/p\u003e \u003cp\u003eBucket 3A 81\u003c\/p\u003e \u003cp\u003ePlanning for Inflation 82\u003c\/p\u003e \u003cp\u003eBucket 3B 83\u003c\/p\u003e \u003cp\u003eThe Bottom Line 85\u003c\/p\u003e \u003cp\u003eThe Fate of the Heirs 85\u003c\/p\u003e \u003cp\u003eAnother Scenario 86\u003c\/p\u003e \u003cp\u003eHow Much Risk? 87\u003c\/p\u003e \u003cp\u003eHow to Allocate 88\u003c\/p\u003e \u003cp\u003eThe Importance of Bucketizing Now 89\u003c\/p\u003e \u003cp\u003eA Final Word 90\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart III Refine the Plan\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 6 \u003c\/b\u003e\u003cb\u003eTake Another Look at Annuities 93\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eWhat’s an Annuity? 93\u003c\/p\u003e \u003cp\u003ePredicting the Future 102\u003c\/p\u003e \u003cp\u003eGood Evidence 102\u003c\/p\u003e \u003cp\u003eWhat Academia Says 103\u003c\/p\u003e \u003cp\u003eRecovery Strategy 104\u003c\/p\u003e \u003cp\u003eRisks and Opportunities 105\u003c\/p\u003e \u003cp\u003eA Final Word 106\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 7 \u003c\/b\u003e\u003cb\u003eSee What REITs Can Do for You 109\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eWhat Exactly Is a REIT? 110\u003c\/p\u003e \u003cp\u003eCombining the Best Features 110\u003c\/p\u003e \u003cp\u003ePublic versus Nontraded REITs 113\u003c\/p\u003e \u003cp\u003eAnother Advantage 114\u003c\/p\u003e \u003cp\u003eThe Lowdown on Loads 116\u003c\/p\u003e \u003cp\u003eAre All REITs Low-Leveraged? 118\u003c\/p\u003e \u003cp\u003eWhat Kinds of Properties Are Best? 120\u003c\/p\u003e \u003cp\u003eDiffers from Homes 124\u003c\/p\u003e \u003cp\u003eThe Role of REITs in a Portfolio 124\u003c\/p\u003e \u003cp\u003eWhat Should You Look For? 125\u003c\/p\u003e \u003cp\u003eGetting Help 128\u003c\/p\u003e \u003cp\u003eMy Personal Bias 129\u003c\/p\u003e \u003cp\u003eA Final Word 131\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 8 \u003c\/b\u003e\u003cb\u003ePlay It Smart When It Comes to Personally Owned Real Estate 133\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eYour Home and Your Future 133\u003c\/p\u003e \u003cp\u003eBuying Other Real Estate 147\u003c\/p\u003e \u003cp\u003eA Final Word 153\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 9 \u003c\/b\u003e\u003cb\u003eGive Uncle Sam His Fair Share—But No More 155\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eTax-Free Municipal Bonds 156\u003c\/p\u003e \u003cp\u003eTax Management of Stock Portfolios 157\u003c\/p\u003e \u003cp\u003eReal Estate 157\u003c\/p\u003e \u003cp\u003eRoth Conversion 159\u003c\/p\u003e \u003cp\u003eIncorporating Your Business 162\u003c\/p\u003e \u003cp\u003eTax-Credit Investing 164\u003c\/p\u003e \u003cp\u003eChoosing Smart Location of Assets 166\u003c\/p\u003e \u003cp\u003eA Final Word 168\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart IV Live Happily Ever After\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 10 \u003c\/b\u003e\u003cb\u003eCraft a Workable Withdrawal Strategy 173\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eBeware of Averages 174\u003c\/p\u003e \u003cp\u003ePitfalls Abound 176\u003c\/p\u003e \u003cp\u003eGetting Set Up 177\u003c\/p\u003e \u003cp\u003eDrawing Down Your Total Retirement Resources 179\u003c\/p\u003e \u003cp\u003eKeeping Taxes Low 183\u003c\/p\u003e \u003cp\u003eA Few More Thoughts about Stocks 187\u003c\/p\u003e \u003cp\u003eA Final Word 191\u003c\/p\u003e \u003cp\u003eEpilogue Keep Your Eye on Enjoyment 193\u003c\/p\u003e \u003cp\u003eAbout the Authors 197\u003c\/p\u003e \u003cp\u003eRecommended Resources 199\u003c\/p\u003e \u003cp\u003eIndex 203\u003c\/p\u003e","brand":"John Wiley \u0026 Sons Inc","offers":[{"title":"Default Title","offer_id":49402370654551,"sku":"9780470581575","price":17.09,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9780470581575.jpg?v=1730480190"},{"product_id":"independence-day-9780785290117","title":"Independence Day","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e\u003cp\u003e\u003cstrong\u003eSteve Lopez is insightful, ingenious, and often hilarious as he navigates one of life''s biggest questions. --Michael Connelly, #1 \u003cem\u003eNew York Times\u003c\/em\u003e bestselling author of \u003cem\u003eThe Dark Hours\u003c\/em\u003e\u003c\/strong\u003e\u003c\/p\u003e\u003cp\u003e\u003cstrong\u003eFour-time Pulitzer Prize finalist and longtime \u003cem\u003eLos Angeles Times\u003c\/em\u003e columnist Steve Lopez explores the meaning of work and how it defines us in this captivating book that combines memoir, investigatory interviews, and practical application.\u003c\/strong\u003e\u003c\/p\u003e\u003cp\u003eGrappling with his own decision of whether to retire, Lopez uses his reporter skills not only to look inward but also to interview experts and peers to collect a variety of perspectives as he examines the true nature of a person’s time, identity, and ultimate life satisfaction.\u003c\/p\u003e\u003cp\u003eIn \u003cem\u003eIndependence Day\u003c\/em\u003e, Lopez talks to those who have chosen to extend their working life to its (il)logical extreme--people like Mel Brooks, still working at 94--those who have happily retired and reinvent\u003cbr\u003e\u003cbr\u003e\u003cb\u003eTrade Review\u003c\/b\u003e\u003cbr\u003e'Hugely entertaining and informative, personal and universal, fun and funny, wise and beautifully written, 'Independence Day' is essential reading for anyone contemplating -- or not contemplating -- retirement. It's about why we work and how we live and all that does and does not change as we age.' * Dr. Louise Aronson, geriatrician, author of NYT-bestselling book “Elderhood: Redefining Aging, Transforming Medicine, Reimagining Life,” a Pulitzer Prize finalist *\u003cbr\u003e'I recommend this book to anybody. Not just a bunch of 67-year-olds.' * Duff McDonald, The Tickle Yourself Podcast: Retirement and the Present Moment *\u003cbr\u003e'In Independence Day, Steve Lopez offers us a master class in decision making. To a brilliant storyteller like Steve, a dry list of pros and cons simply won't suffice. Instead his personal quest becomes a journey of wisdom and soul-searching for us all. This is not only a book for anyone contemplating retirement, it is a book for all of us seeking the courage to make a change with insight and grace.' * Rabbi Naomi Levy, author of Einstein and the Rabbi, founder of Nashuva *\u003cbr\u003e'Steve Lopez has written a wise, witty and wonderful book on the question of retirement -- something I'll never do unless I'm forced to by the comedy authorities. However, unlike me, if you're considering it, READ THIS BOOK!' * Mel Brooks, actor, comedian, and filmmaker *\u003cbr\u003e'Steve Lopez is a national treasure. He tackles the question of retirement with the humility, wit and lacerating insight that long ago made him America's best newspaper columnist. This is a smorgasbord of characters, incidents, and ideas, charming, funny, and often quite moving. It will make you think. It is an essential guide for all of us in life's gun lap, deciding whether to speed up, slow down, or wander happily off the track to trace patterns in the clouds.' * Mark Bowden, contributing writer for The Atlantic, author of Black Hawk Down and Killing Pablo *\u003cbr\u003e'Steve Lopez is insightful, ingenious, and often hilarious as he navigates one of life's biggest questions. Independence Day should be read by every boomer on the same path and wondering what comes next.' * Michael Connelly, New York Times bestselling author of The Dark Hours *\u003cbr\u003e'This is a work full of meaning for everyone measuring the days until they put down the tools of whatever trade they ply and walk off into the last quarter of life. It's proof that Steve Lopez should keep working because he's really good at what he does.' * Mike Barnicle, Morning Joe Contributor and former Boston Globe columnist *\u003c\/p\u003e","brand":"HarperCollins Focus","offers":[{"title":"Default Title","offer_id":49405004742999,"sku":"9780785290117","price":15.08,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9780785290117.jpg?v=1730488347"},{"product_id":"your-complete-guide-to-a-successful-and-secure-retirement-second-edition-9780857198372","title":"Your Complete Guide to a Successful and Secure","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e\u003cp\u003eFully revised and updated second edition. \u003cbr\u003e\u003cbr\u003eThis is your one-stop, definitive resource as you prepare for a secure and comfortable retirement.\u003cbr\u003e\u003cbr\u003eInvestment and personal finance experts Larry Swedroe and Kevin Grogan present uniquely comprehensive coverage of every important aspect you need to think about as you approach retirement, including:\u003cbr\u003e\u003cbr\u003eSocial Security, Medicare, investment planning strategy, portfolio maintenance, preparing your heirs, retirement issues faced by women, the threat of elder financial abuse, going beyond financials to think about your happiness, and much more.\u003cbr\u003e\u003cbr\u003eThese topics are explained with the help of specialists in each subject. And everything is based on the science of investing  evidenced with studies from peer-reviewed journals.\u003cbr\u003e\u003cbr\u003eOverall, this adds up to a complete retirement guide, packed with the latest and best knowledge. Don''t enter your retirement without it.\u003c\/p\u003e","brand":"Harriman House Publishing","offers":[{"title":"Default Title","offer_id":49406282727767,"sku":"9780857198372","price":16.99,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9780857198372.jpg?v=1730495226"},{"product_id":"52-ways-to-wreck-your-retirement-9781118076095","title":"52 Ways to Wreck Your Retirement","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003eRetirement planning isn't something that happens at a specific point in time or at a specific age - we are all affecting our retirement plans every day with every decision we do or don't make.\u003cbr\u003e\u003cbr\u003e\u003cb\u003eTable of Contents\u003c\/b\u003e\u003cbr\u003eIntroduction 1  \u003cp\u003e\u003cb\u003ePART 1: STARTING TO PLAN FOR RETIREMENT 5\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e1. Thinking You Have a Retirement Plan When You Don't 7\u003c\/p\u003e \u003cp\u003e2. Being Fooled by Feeling and Looking Younger than You Are 12\u003c\/p\u003e \u003cp\u003e3. Not Using Your Common Sense 16\u003c\/p\u003e \u003cp\u003e4. Living for Today Rather than Saving for Tomorrow 20\u003c\/p\u003e \u003cp\u003e5. Not Paying Attention to What's in All Your Statements 24\u003c\/p\u003e \u003cp\u003e6. Not Knowing Where You Stand 29\u003c\/p\u003e \u003cp\u003e7. Not Knowing Where Your Money Is Going 33\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePART 2: MISTAKES AROUND INVESTING 39\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e8. Not Knowing How Your Money Is Invested 41\u003c\/p\u003e \u003cp\u003e9. Not Knowing How Much Risk You Can Tolerate 48\u003c\/p\u003e \u003cp\u003e10. Th inking You'd Rather Be Safe than Sorry 52\u003c\/p\u003e \u003cp\u003e11. Putting All Your Eggs in One Basket 57\u003c\/p\u003e \u003cp\u003e12. Th inking That Retiring Means You Stop Investing 61\u003c\/p\u003e \u003cp\u003e13. Watching Your Investments Too Closely 64\u003c\/p\u003e \u003cp\u003e14. Looking for Th at Magic Pill to Boost Your Savings 68\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePART 3: MISTAKES AROUND DEBT 73\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e15. Th inking Th at All Debt Is Created Equal 75\u003c\/p\u003e \u003cp\u003e16. Taking Too Long to Pay Off Your Mortgage 82\u003c\/p\u003e \u003cp\u003e17. Misuse of Credit Cards 89\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePART 4: SAVING FOR RETIREMENT 95\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e18. Leaving Too Much Free Money on the Table 97\u003c\/p\u003e \u003cp\u003e19. Ignoring the Eff ects of Infl ation 102\u003c\/p\u003e \u003cp\u003e20. Feeling Th at There' s No Way You Can Ever Save Enough 108\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePART 5: PENSIONS 113\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e21. Overestimating CPP\/QPP Pensions 115\u003c\/p\u003e \u003cp\u003e22. Th inking You're Entitled to the Maximum Old Age Security (OAS) Pension 122\u003c\/p\u003e \u003cp\u003e23. Relying Too Heavily on Your Company Pension 126\u003c\/p\u003e \u003cp\u003e24. Making the Wrong Choices with Your Defined Benefi t Pension on Retirement 132\u003c\/p\u003e \u003cp\u003e25. Not Considering All the Maturity Options for a Registered Retirement Savings Plan 138\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePART 6: LIVING IN RETIREMENT 147\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e26. Making Too Many Big Changes to Your Life as Soon as You Retire 149\u003c\/p\u003e \u003cp\u003e27. Fearing Retirement 154\u003c\/p\u003e \u003cp\u003e28. Failing to Talk to Your Partner or Others About Retirement 159\u003c\/p\u003e \u003cp\u003e29. Retiring Outside the Country Without First Doing Your Homework 163\u003c\/p\u003e \u003cp\u003e30. Downsizing the Family Home Too Late 169\u003c\/p\u003e \u003cp\u003e31. Not Doing Some Research Before Starting a Business in Retirement 174\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePART 7: SPENDING IN RETIREMENT 179\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e32. Spending Too Much Money Too Early in Retirement 181\u003c\/p\u003e \u003cp\u003e33. Giving Away Too Much Money During Your Life 185\u003c\/p\u003e \u003cp\u003e34. Being Afraid to Spend Your Savings 189\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePART 8: PAYING TOO MUCH TAX 195\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e35. Wanting to Keep the Money All to Yourself 197\u003c\/p\u003e \u003cp\u003e36. Giving Back Your OAS 205\u003c\/p\u003e \u003cp\u003e37. Not Taking Advantage of Tax Gift s Such As the Tax Free Savings Account 210\u003c\/p\u003e \u003cp\u003e38. Failing to Plan for U.S. Estate Taxes 215\u003c\/p\u003e \u003cp\u003e39. Paying Too Much Tax on Investments 220\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePART 9: NEW REALITIES ABOUT RETIREMENT 225\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e40. Not Being Prepared to Be Single in Retirement 227\u003c\/p\u003e \u003cp\u003e41. Believing in Freedom 55 232\u003c\/p\u003e \u003cp\u003e42. Believing Th at You Have Only One Retirement Date 236\u003c\/p\u003e \u003cp\u003e43. Th inking Retirement Is All About You 241\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePART 10: PROTECTION PLANNING 247\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e44. Not Protecting Your Most Important Asset — You! 249\u003c\/p\u003e \u003cp\u003e45. Bad Decisions Around Joint Accounts 254\u003c\/p\u003e \u003cp\u003e46. Th inking Your Family Can Automatically Make Decisions for You When You Can't 258\u003c\/p\u003e \u003cp\u003e47. Avoiding Estate Planning 262\u003c\/p\u003e \u003cp\u003e48. Choosing the Wrong Benefi ciary for Your RRSP, RRIF, or TFSA 267\u003c\/p\u003e \u003cp\u003e49. Sharing Too Much Personal and Financial Information 274\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePART 11: NOT ASKING FOR HELP 279\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e50. Not Doing the Math: Mortgage Versus RRSP Versus TFSA 281\u003c\/p\u003e \u003cp\u003e51. Wanting to Do It All Yourself 285\u003c\/p\u003e \u003cp\u003e52. Substituting a Retirement Calculator for Retirement Advice 292\u003c\/p\u003e \u003cp\u003eAcknowledgements 297\u003c\/p\u003e \u003cp\u003eAbout the Author 299\u003c\/p\u003e \u003cp\u003eIndex 301\u003c\/p\u003e","brand":"John Wiley \u0026 Sons Inc","offers":[{"title":"Default Title","offer_id":49406827004247,"sku":"9781118076095","price":13.49,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9781118076095.jpg?v=1730497251"},{"product_id":"cash-cows-pigs-and-jackpots-9781118083512","title":"Cash Cows Pigs and Jackpots","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003eA contrarian and controversial look at personal finance, and a super simple strategy for making   and keeping   more money    Traditional financial wisdom persuades us to grow our net worth and build our assets. But traditional financial wisdom is often wrong.\u003cbr\u003e\u003cbr\u003e\u003cb\u003eTable of Contents\u003c\/b\u003e\u003cbr\u003eAcknowledgements xii  \u003cp\u003eIntroduction 1\u003c\/p\u003e \u003cp\u003eCash Is Not King 2\u003c\/p\u003e \u003cp\u003eCash Flow Is King 2\u003c\/p\u003e \u003cp\u003eWho Gets Rich Off You 3\u003c\/p\u003e \u003cp\u003eIt's Not Just Them, It’s Us 3\u003c\/p\u003e \u003cp\u003eWant to Get Rich Quick? 3\u003c\/p\u003e \u003cp\u003eBack to Basics 4\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 1—The Cash Cow Strategy 5\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eCash Cows 5\u003c\/p\u003e \u003cp\u003eCash Pigs 6\u003c\/p\u003e \u003cp\u003eCash Jackpots 7\u003c\/p\u003e \u003cp\u003eThis Is Not a Philosophy; It's About Cash Flow 8\u003c\/p\u003e \u003cp\u003eCows and Pigs Can Change 8\u003c\/p\u003e \u003cp\u003eOne Person's Pig May Be Another Person’s Cow 9\u003c\/p\u003e \u003cp\u003eCash Cow, Pig or Jackpot? 9\u003c\/p\u003e \u003cp\u003eA House or Condo 10\u003c\/p\u003e \u003cp\u003eGambling 11\u003c\/p\u003e \u003cp\u003ePersonal Debt 11\u003c\/p\u003e \u003cp\u003eDefined Benefit (DB) Pension Plans 12\u003c\/p\u003e \u003cp\u003eCanada Pension Plan and Old Age Security 14\u003c\/p\u003e \u003cp\u003eKids 14\u003c\/p\u003e \u003cp\u003eA Bigger View: Government Debt 15\u003c\/p\u003e \u003cp\u003eWhy Don’t People Follow This Basic Strategy? 16\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 2—Taking Care of Your Biggest Cash Cow 17\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eYour Biggest Cash Cow Is  17\u003c\/p\u003e \u003cp\u003eHow to Protect Your Biggest Cash Cow 19\u003c\/p\u003e \u003cp\u003eIs Your Body Trying to Tell You Something? 19\u003c\/p\u003e \u003cp\u003eAre You Eating Well? 20\u003c\/p\u003e \u003cp\u003eHow Much Exercise Do You Get? 22\u003c\/p\u003e \u003cp\u003eHow Much Sleep Do You Get? 22\u003c\/p\u003e \u003cp\u003eThe Value of Hard Work 23\u003c\/p\u003e \u003cp\u003eSumming up Healthy Living 24\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 3—Who Wants to Be a Millionaire? 25\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eWhat Is \"Rich\"? 25\u003c\/p\u003e \u003cp\u003eNet Worth Is a Lousy Measure of Wealth 25\u003c\/p\u003e \u003cp\u003eMixing Pre-Tax and After-Tax Amounts 26\u003c\/p\u003e \u003cp\u003eIgnores Cash Flow 26\u003c\/p\u003e \u003cp\u003eMany \"Wealthy\" People Are Living a Mirage 28\u003c\/p\u003e \u003cp\u003eWhy I Don’t Want to Win the Lottery 30\u003c\/p\u003e \u003cp\u003eGoing Beyond the Numbers 31\u003c\/p\u003e \u003cp\u003eDoes Money Buy Happiness? 31\u003c\/p\u003e \u003cp\u003eWhat Causes Happiness? 33\u003c\/p\u003e \u003cp\u003e\"The Happy Movie\" 33\u003c\/p\u003e \u003cp\u003eHappy for No Reason 35\u003c\/p\u003e \u003cp\u003eMy Take on Happy 38\u003c\/p\u003e \u003cp\u003eMy Secret to Life 39\u003c\/p\u003e \u003cp\u003eMillion Dollar Wrap-up 41\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 4—The Trap: Why You Aren't Getting Rich and They Are 42\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eHow the Banks Make Money 43\u003c\/p\u003e \u003cp\u003ePlug the Cash Pig Leaks 43\u003c\/p\u003e \u003cp\u003eThe Mutual Fund Fee Monster 44\u003c\/p\u003e \u003cp\u003eBorrowing to Get Rich: It Can Work, But Don't Bet on It 45The Wealth Effect Is the Enemy 46\u003c\/p\u003e \u003cp\u003eSometimes People Are Their Own Worst Enemies 47\u003c\/p\u003e \u003cp\u003ePaul's Story 48\u003c\/p\u003e \u003cp\u003eClosing the Trap 54\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 5—The Dream of Home Ownership 55\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eThe Wealthy Barber Weighs In 56\u003c\/p\u003e \u003cp\u003eHow Much Home Can You Afford? 57\u003c\/p\u003e \u003cp\u003eRent Is Not a Four-Letter Word 60\u003c\/p\u003e \u003cp\u003eAn Example—123 Any Street, Hometown 63\u003c\/p\u003e \u003cp\u003e123 Any Street: The Assumptions 65\u003c\/p\u003e \u003cp\u003eDon't Forget the Closing Costs 66\u003c\/p\u003e \u003cp\u003eA Word About the Down Payment 69\u003c\/p\u003e \u003cp\u003eCMHC Changes 71\u003c\/p\u003e \u003cp\u003eThe Key Points That Most People Miss 72\u003c\/p\u003e \u003cp\u003eThe Opportunity Cost 72\u003c\/p\u003e \u003cp\u003eThe Ongoing Cash Costs 74\u003c\/p\u003e \u003cp\u003eConsumer Debt Warning 74\u003c\/p\u003e \u003cp\u003eCompounding Confusion 75\u003c\/p\u003e \u003cp\u003e123 Any Street: The TFSA Results 77\u003c\/p\u003e \u003cp\u003e123 Any Street: The RRSP Results 80\u003c\/p\u003e \u003cp\u003ePlaying with the Inputs 81\u003c\/p\u003e \u003cp\u003eHousing Prices Increases 81\u003c\/p\u003e \u003cp\u003eHouse Price 81\u003c\/p\u003e \u003cp\u003eInterest Rates 84\u003c\/p\u003e \u003cp\u003eBeware Those Trying to Sell You Something 84\u003c\/p\u003e \u003cp\u003eBeyond the Numbers 85\u003c\/p\u003e \u003cp\u003eLong-Term House Prices 85\u003c\/p\u003e \u003cp\u003eRepairs and Maintenance 86\u003c\/p\u003e \u003cp\u003eRenovations 87\u003c\/p\u003e \u003cp\u003eThe End Game: Can You Sell? 87\u003c\/p\u003e \u003cp\u003eConclusion 87\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 6—The Condominium Conundrum 89\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eCondo Basics 90\u003c\/p\u003e \u003cp\u003eDefi nition of a Condominium 90\u003c\/p\u003e \u003cp\u003eThe Legal Details 91\u003c\/p\u003e \u003cp\u003eCondominium Regulations 91\u003c\/p\u003e \u003cp\u003eThe Fees 92\u003c\/p\u003e \u003cp\u003eWho Pays for What? 92\u003c\/p\u003e \u003cp\u003eInsurance 93\u003c\/p\u003e \u003cp\u003eRenting Out the Unit 94\u003c\/p\u003e \u003cp\u003eCondo Costs 94\u003c\/p\u003e \u003cp\u003eThe Purchase Price 95\u003c\/p\u003e \u003cp\u003eThe Monthly Costs 95\u003c\/p\u003e \u003cp\u003eRunning the Numbers 96\u003c\/p\u003e \u003cp\u003eThe Toronto Condo: Results 97\u003c\/p\u003e \u003cp\u003ePlaying with the Inputs 100\u003c\/p\u003e \u003cp\u003eFurther Analysis Required 101\u003c\/p\u003e \u003cp\u003eBuying a New Condominium 102\u003c\/p\u003e \u003cp\u003eBuying a Re-sale Condominium 103\u003c\/p\u003e \u003cp\u003eCondos: What Could Go Wrong? 104\u003c\/p\u003e \u003cp\u003eWhat You Can Do to Manage Condo Risk 106\u003c\/p\u003e \u003cp\u003eA Word about Rental Properties and Income Tax 107\u003c\/p\u003e \u003cp\u003eCondo Wrap-up 108\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 7—Infl ation: Monster or Myth? 110\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eWhat Is Infl ation? 110\u003c\/p\u003e \u003cp\u003eThe Consumer Price Index (CPI) 111\u003c\/p\u003e \u003cp\u003eHow the CPI Is Calculated 112\u003c\/p\u003e \u003cp\u003eHistorical CPI Rates 114\u003c\/p\u003e \u003cp\u003ePercentages versus Actual Cash Flow 116\u003c\/p\u003e \u003cp\u003eAn Infl ation Example 117\u003c\/p\u003e \u003cp\u003eWhere Will Infl ation Be in the Future? 119\u003c\/p\u003e \u003cp\u003eDefl ation May Be the Bigger Monster 120\u003c\/p\u003e \u003cp\u003eStagfl ation: The Two-Headed Beast 121\u003c\/p\u003e \u003cp\u003eWhy the CPI Matters to You 121\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 8—Maximizing Your Canada Pension Plan 123\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eCPP and OAS Overview 124\u003c\/p\u003e \u003cp\u003eCPP: The Basics 124\u003c\/p\u003e \u003cp\u003eCPP: The New Rules 126\u003c\/p\u003e \u003cp\u003eCPP Contribution Rate 130\u003c\/p\u003e \u003cp\u003eIs the CPP Plan Solid? 130\u003c\/p\u003e \u003cp\u003eThe CPP Investment Board (CPPIB) 131\u003c\/p\u003e \u003cp\u003eThe Chief Actuary of Canada 133\u003c\/p\u003e \u003cp\u003eCan We Count on the CPP? 134\u003c\/p\u003e \u003cp\u003eIs the Canada Pension Plan a Good Investment? 134\u003c\/p\u003e \u003cp\u003eHow Is the Maximum CPP Pension Calculated? 137\u003c\/p\u003e \u003cp\u003eCPP and QPP Maximum Amounts 138\u003c\/p\u003e \u003cp\u003eHow Will My CPP Pension Be Calculated? 139\u003c\/p\u003e \u003cp\u003eThe Child-Rearing Provision 139\u003c\/p\u003e \u003cp\u003eShould I Elect to Start My CPP Early? 141\u003c\/p\u003e \u003cp\u003eInfl ation Effect on the CPP Retirement Benefit 143\u003c\/p\u003e \u003cp\u003eThe CPP Disability Benefits 143\u003c\/p\u003e \u003cp\u003eSumming Up the CPP 145\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 9—Can We Rely on the Old Age Security Cash Cow? 146\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eThe OAS Details 146\u003c\/p\u003e \u003cp\u003eGuaranteed Income Supplement 147\u003c\/p\u003e \u003cp\u003eOAS Clawback 148\u003c\/p\u003e \u003cp\u003eOAS and GIS Amounts 149\u003c\/p\u003e \u003cp\u003eThe Proposed OAS Changes 150\u003c\/p\u003e \u003cp\u003eOAS Wrap-up 152\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 10—Cash Flow for Life 153\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eWhat Are Your Cash Cows in Retirement? 154\u003c\/p\u003e \u003cp\u003eCPP and OAS 154\u003c\/p\u003e \u003cp\u003eRRSPs: How Big Does Yours Need to Be? 156\u003c\/p\u003e \u003cp\u003eRRIFs: The Details 157\u003c\/p\u003e \u003cp\u003eAnnuities: The Details 159\u003c\/p\u003e \u003cp\u003eCash Flow Finale 161\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 11—The Inheritance Jackpot 162\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eThe Great Wealth Transfer Is Going to Be Inefficient 163\u003c\/p\u003e \u003cp\u003eHow to Talk to Your Parents About Death 164\u003c\/p\u003e \u003cp\u003eThe Problem with Death 165\u003c\/p\u003e \u003cp\u003eIs There Tax on Death? 165\u003c\/p\u003e \u003cp\u003eGetting Ready: A Simple Checklist 165\u003c\/p\u003e \u003cp\u003eConclusion 167\u003c\/p\u003e \u003cp\u003eIndex 169\u003c\/p\u003e \u003cp\u003eAbout the Author 177\u003c\/p\u003e","brand":"John Wiley \u0026 Sons Inc","offers":[{"title":"Default Title","offer_id":49406827528535,"sku":"9781118083512","price":12.59,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9781118083512.jpg?v=1730497252"}],"url":"https:\/\/bookcurl.com\/collections\/retirement.oembed?page=3","provider":"Book Curl","version":"1.0","type":"link"}