{"product_id":"personal-finance-in-your-50s-allinone-for-dummies-9781119471516","title":"Personal Finance in Your 50s AllinOne For Dummies","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e\u003cp\u003e\u003cb\u003eManage your finances and enjoy your retirement\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eRetirement security is one of the most pressing social issues facing the world in the next 30 yearsso if you're approaching your golden years, it's essential to have a secure financial future. \u003ci\u003ePersonal Finance in Your 50s All-in-One For Dummies\u003c\/i\u003e provides targeted financial advice and assists soon-to-be or established boomers with making informed decisions about how best to spend, invest, and protect their wealth while planning for the future.\u003c\/p\u003e \u003cp\u003eRetirement is an exciting time  but it can also be scary if you're not sure that you have your ducks in a row. This hands-on resource arms you with an arsenal of beginner to intermediate personal finance and estate planning techniques for everything from spending, saving, navigating insurance, managing medical costs, household expenses, and even employment.\u003c\/p\u003e \u003cul\u003e \u003cli\u003eBuild a diversified portfolio\u003c\/li\u003e \u003cli\u003eCreate emergency funds\u003c\/li\u003e \u003cli\u003eAvoid scams and frauds\u003c\/li\u003e \u003cli\u003e\n\u003cbr\u003e\u003cbr\u003e\u003cb\u003eTable of Contents\u003c\/b\u003e\u003cbr\u003e\u003cp\u003e\u003cb\u003eIntroduction \u003c\/b\u003e\u003cb\u003e1\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eAbout This Book 1\u003c\/p\u003e \u003cp\u003eFoolish Assumptions 2\u003c\/p\u003e \u003cp\u003eIcons Used in This Book 2\u003c\/p\u003e \u003cp\u003eBeyond the Book 3\u003c\/p\u003e \u003cp\u003eWhere to Go from Here 3\u003c\/p\u003e \u003cp\u003e\u003cb\u003eBook 1: Managing Your Career and Retirement\u003c\/b\u003e\u003cb\u003e 5\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 1: Finding a New Job after 50\u003c\/b\u003e\u003cb\u003e 7\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eRecognizing the Need for and Value of Experienced Workers 7\u003c\/p\u003e \u003cp\u003eTallying the Benefits of Staying in the Workforce 11\u003c\/p\u003e \u003cp\u003eReorienting Yourself to Today’s Job-Search Realities 12\u003c\/p\u003e \u003cp\u003eDeciding What (Else) You Want Out of Work 13\u003c\/p\u003e \u003cp\u003ePursuing Your Passion and Finding Purpose 15\u003c\/p\u003e \u003cp\u003ePutting Proven Success Strategies into Practice 21\u003c\/p\u003e \u003cp\u003eDealing with Ageism 27\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 2: Dealing with Changes in Employment\u003c\/b\u003e\u003cb\u003e 31\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eFiling for Unemployment Benefits 32\u003c\/p\u003e \u003cp\u003eGetting Your Financial House in Order 32\u003c\/p\u003e \u003cp\u003eFinancing Any Additional Education and Training 36\u003c\/p\u003e \u003cp\u003eWriting Off Your Job-Hunt Expenses 41\u003c\/p\u003e \u003cp\u003eAccounting for Social Security Benefits Reductions When You Work 43\u003c\/p\u003e \u003cp\u003eTaking Advantage of Additional Public Benefits 44\u003c\/p\u003e \u003cp\u003eProviding Benefits for Yourself 45\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 3: Joining the Ranks of the Self-Employed\u003c\/b\u003e\u003cb\u003e 49\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eWorking on Contract 50\u003c\/p\u003e \u003cp\u003eLaunching Your Own Business 55\u003c\/p\u003e \u003cp\u003eBecoming a Social Entrepreneur 65\u003c\/p\u003e \u003cp\u003eExploring Franchising Opportunities 69\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 4: Tracking Small Business Revenues and Costs\u003c\/b\u003e\u003cb\u003e 75\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eEstablishing an Accounting System for Your Business 76\u003c\/p\u003e \u003cp\u003eKeeping Good Tax Records for Your Small Business 80\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 5: Estimated Taxes and Self-Employment Taxes\u003c\/b\u003e\u003cb\u003e 85\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eForm 1040-ES: Estimated Tax for Individuals 86\u003c\/p\u003e \u003cp\u003eKeeping Current on Your Employees’ (and Your Own) Tax Withholding 89\u003c\/p\u003e \u003cp\u003eSchedule SE: Self-Employment Tax 90\u003c\/p\u003e \u003cp\u003eForm 8889: Health Savings Accounts (HSAs) 93\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 6: Developing a Retirement Plan\u003c\/b\u003e\u003cb\u003e 97\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eDeciding When to Retire 98\u003c\/p\u003e \u003cp\u003eKnowing How Much You Really Need for Retirement 99\u003c\/p\u003e \u003cp\u003eEyeing the Components of Your Retirement Plan 101\u003c\/p\u003e \u003cp\u003eWhen Setting Up Your Couples Plan 106\u003c\/p\u003e \u003cp\u003eCrunching the Numbers 107\u003c\/p\u003e \u003cp\u003eMaking Plans for Nonfinancial Matters 110\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 7: Grasping Retirement Accounts and Their Rules\u003c\/b\u003e\u003cb\u003e 113\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eEyeing the Characteristics of Retirement Accounts 114\u003c\/p\u003e \u003cp\u003eIdentifying the Different Types of Retirement Accounts 117\u003c\/p\u003e \u003cp\u003eRolling Over Retirement Balances 120\u003c\/p\u003e \u003cp\u003eChoosing Beneficiaries for Your Retirement Accounts 123\u003c\/p\u003e \u003cp\u003eTaking Required Minimum Distributions, or RMDs 125\u003c\/p\u003e \u003cp\u003e\u003cb\u003eBook 2: Getting Your Affairs in Order\u003c\/b\u003e\u003cb\u003e 127\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 1: Ensuring That Your Last Wishes Are Honored\u003c\/b\u003e\u003cb\u003e 129\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eWhat Can Happen When You Don’t Plan Your Estate 130\u003c\/p\u003e \u003cp\u003eReaping the Benefits of Planning Your Estate 131\u003c\/p\u003e \u003cp\u003eLooking Out for Common Pitfalls 133\u003c\/p\u003e \u003cp\u003eRealizing What Happens If You Don’t Have an Estate Plan 138\u003c\/p\u003e \u003cp\u003eCreating Your Will or Trust 140\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 2: Planning Your Bequests\u003c\/b\u003e\u003cb\u003e 145\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eCalculating Your Assets 145\u003c\/p\u003e \u003cp\u003eDetermining Your Intended Heirs and Beneficiaries 146\u003c\/p\u003e \u003cp\u003eThinking about Your Family Circumstances 149\u003c\/p\u003e \u003cp\u003eEstate Planning for Second Families 149\u003c\/p\u003e \u003cp\u003eEstate Planning for Your Business 152\u003c\/p\u003e \u003cp\u003eAppointing the People Who Will Carry Out Your Estate Plans 156\u003c\/p\u003e \u003cp\u003eFinding Professionals to Assist You 159\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 3: Providing for Your Children and Dependents\u003c\/b\u003e\u003cb\u003e 163\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eChoosing a Guardian 163\u003c\/p\u003e \u003cp\u003eManaging Your Child’s Assets 166\u003c\/p\u003e \u003cp\u003eProviding for Your Child’s Needs 167\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 4: Writing and Signing a Will\u003c\/b\u003e\u003cb\u003e 173\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eDeciding Whether a Will Serves Your Needs 174\u003c\/p\u003e \u003cp\u003eExploring the Types of Wills 177\u003c\/p\u003e \u003cp\u003eElements of a Will 181\u003c\/p\u003e \u003cp\u003eExecuting a Valid Will 187\u003c\/p\u003e \u003cp\u003e\u003cb\u003eBook 3: Dealing with Insurance \u003c\/b\u003e\u003cb\u003e189\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 1: Seven Guiding Principles of Insurance\u003c\/b\u003e\u003cb\u003e 191\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eKeep It Simple 191\u003c\/p\u003e \u003cp\u003eDon’t Risk More than You Can Afford to Lose 193\u003c\/p\u003e \u003cp\u003eDon’t Risk a Lot for a Little 193\u003c\/p\u003e \u003cp\u003eConsider the Odds 194\u003c\/p\u003e \u003cp\u003eRisk a Little for a Lot 195\u003c\/p\u003e \u003cp\u003eAvoid Las Vegas Insurance 196\u003c\/p\u003e \u003cp\u003eBuy Insurance Only as a Last Resort 196\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 2: Buying Insurance\u003c\/b\u003e\u003cb\u003e 199\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eUnderstanding What Makes a Balanced Insurance Program 200\u003c\/p\u003e \u003cp\u003eCustomizing Each Policy to Meet Your Unique Needs 200\u003c\/p\u003e \u003cp\u003eChoosing Your Professional Adviser 201\u003c\/p\u003e \u003cp\u003eChoosing an Insurance Company 206\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 3: Getting the Most Out of Medicare\u003c\/b\u003e\u003cb\u003e 207\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eStarting Medicare: A Broad Overview of Enrollment Deadlines 208\u003c\/p\u003e \u003cp\u003eUnderstanding Part A 210\u003c\/p\u003e \u003cp\u003eExploring Parts B and C 214\u003c\/p\u003e \u003cp\u003eQualifying for Prescription Drug Coverage with Part D 223\u003c\/p\u003e \u003cp\u003eEyeing a Medicare Supplement 230\u003c\/p\u003e \u003cp\u003eResolving Some Sticky Issues 234\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 4: Introducing the Personal Umbrella Policy\u003c\/b\u003e\u003cb\u003e 237\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eDiscovering the Umbrella Policy’s Major Coverage Advantages 238\u003c\/p\u003e \u003cp\u003eCoordinating an Umbrella with Your Other Insurance 240\u003c\/p\u003e \u003cp\u003eDetermining How Many Millions to Buy 242\u003c\/p\u003e \u003cp\u003e\u003cb\u003eBook 4: Handling Budgets and Investments\u003c\/b\u003e\u003cb\u003e 245\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 1: Protecting Your Employment Income\u003c\/b\u003e\u003cb\u003e 247\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eAssessing Your Need for Life Insurance 248\u003c\/p\u003e \u003cp\u003eProtecting Your Employment Income: Disability Insurance 254\u003c\/p\u003e \u003cp\u003eInvesting In and Protecting Your Health 258\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 2: Managing Budgets and Expenses\u003c\/b\u003e\u003cb\u003e 263\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003ePointing Out Some Retirement Worries You May Have 264\u003c\/p\u003e \u003cp\u003eSpending Your Nest Egg 267\u003c\/p\u003e \u003cp\u003eHow Spending Really Changes in Retirement 269\u003c\/p\u003e \u003cp\u003eManaging Your Expenses 271\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 3: Guiding Investments and Distributions in Retirement \u003c\/b\u003e\u003cb\u003e281\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eGuiding Your Investments through Retirement 282\u003c\/p\u003e \u003cp\u003eLooking Closer at Annuities 285\u003c\/p\u003e \u003cp\u003eChoosing Your Pension Options 289\u003c\/p\u003e \u003cp\u003eEyeing Withdrawal Strategies for Your Investment Accounts 294\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 4: Making Your Best Choices under Social Security\u003c\/b\u003e\u003cb\u003e 297\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eThe Lowdown on Social Security 298\u003c\/p\u003e \u003cp\u003eDetermining When You’re Eligible for Benefits 300\u003c\/p\u003e \u003cp\u003eTaking a Closer Look at Spouses’ and Survivor Benefits 304\u003c\/p\u003e \u003cp\u003eIdentifying When You May Need to Receive Benefits 310\u003c\/p\u003e \u003cp\u003eNoting How Working Reduces Benefits 314\u003c\/p\u003e \u003cp\u003ePreserving Your Benefits 316\u003c\/p\u003e \u003cp\u003eBeing Aware of Potential Income Taxes on Your Benefits 319\u003c\/p\u003e \u003cp\u003eChanging Your Mind: A Do-Over 324\u003c\/p\u003e \u003cp\u003eLooking at What the Future Holds for Social Security 325\u003c\/p\u003e \u003cp\u003e\u003cb\u003eBook 5: Planning Your Estate \u003c\/b\u003e\u003cb\u003e329\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 1: Yes, You Have an Estate\u003c\/b\u003e\u003cb\u003e 331\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eWhat Is an Estate? 332\u003c\/p\u003e \u003cp\u003eWhy You Need to Plan Your Estate 339\u003c\/p\u003e \u003cp\u003eWhy Your Estate-Planning Goals Are Different from Your Neighbors’ 342\u003c\/p\u003e \u003cp\u003eThe Critical Path Method to Planning Your Estate 344\u003c\/p\u003e \u003cp\u003eGetting Help with Your Estate Planning 346\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 2: Bean Counting: Figuring Out What You’re Worth\u003c\/b\u003e\u003cb\u003e 353\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eCalculating the Value of Your Real Property 354\u003c\/p\u003e \u003cp\u003eCalculating the Value of Everything Else: Your Personal Property 356\u003c\/p\u003e \u003cp\u003eDead Reckoning: Subtracting Your Debts from Your Assets 359\u003c\/p\u003e \u003cp\u003eGiving Gifts throughout Your Life to Reduce Your Estate’s Value 360\u003c\/p\u003e \u003cp\u003eCalculating Adjustments in Your Estate’s Value Due to Life Changes 360\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 3: Probate and How to Dodge It\u003c\/b\u003e\u003cb\u003e 363\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eProbing Probate: What You Should Know 364\u003c\/p\u003e \u003cp\u003eKnowing the Good, the Bad, and the Ugly of Probate 369\u003c\/p\u003e \u003cp\u003eStreamlining the Probate Process 372\u003c\/p\u003e \u003cp\u003eAppointing Your Person in Charge 372\u003c\/p\u003e \u003cp\u003eThinking Things Through When Someone Asks You to Be a Personal Rep 379\u003c\/p\u003e \u003cp\u003eUnderstanding Will Substitutes 380\u003c\/p\u003e \u003cp\u003eSorting through the List of Will Substitutes 382\u003c\/p\u003e \u003cp\u003eIdentifying Some Less Common but Worthy Will Substitutes 392\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 4: Understanding Trusts\u003c\/b\u003e\u003cb\u003e 397\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eDefining Trusts, Avoiding Hype 397\u003c\/p\u003e \u003cp\u003eTrust Power — Making Your Beneficiaries Smile 402\u003c\/p\u003e \u003cp\u003eSorting Out Trusts — from Here to Eternity 405\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 5: Minimizing Estate-Related Taxes\u003c\/b\u003e\u003cb\u003e 411\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eFiguring Out Where You Are Today 412\u003c\/p\u003e \u003cp\u003eFortune-Telling: Picturing the Future as Best You Can 415\u003c\/p\u003e \u003cp\u003eHmmm . . . Deciding on Strategies and Trade-Offs 421\u003c\/p\u003e \u003cp\u003ePutting Together a Comprehensive Estate-Related Tax Plan 425\u003c\/p\u003e \u003cp\u003e\u003cb\u003eBook 6: Tapping Into Your Home’s Value\u003c\/b\u003e\u003cb\u003e 429\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 1: Making Important Housing Decisions\u003c\/b\u003e\u003cb\u003e 431\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eAnalyzing Moving 431\u003c\/p\u003e \u003cp\u003eTapping Your Home’s Equity: Reverse Mortgages 436\u003c\/p\u003e \u003cp\u003eLooking at Tax Issues Regarding Your Housing Decisions 439\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 2: Reverse Mortgages for Retirement Income \u003c\/b\u003e\u003cb\u003e441\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eGrasping the Reverse Mortgage Basics 441\u003c\/p\u003e \u003cp\u003eShopping for a Reverse Mortgage 451\u003c\/p\u003e \u003cp\u003eDeciding Whether You Want a Reverse Mortgage 453\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 3: Deciding to Sell\u003c\/b\u003e\u003cb\u003e 455\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eFiguring Out if You Really Need to Sell 457\u003c\/p\u003e \u003cp\u003eKnowing the Health of Your Housing Market 464\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 4: Exploring the Economics of Selling\u003c\/b\u003e\u003cb\u003e 469\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eEstimating Proceeds of Sale 469\u003c\/p\u003e \u003cp\u003eAssessing the Financial Feasibility of a Move 475\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 5: Determining Your House’s Value\u003c\/b\u003e\u003cb\u003e 481\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eDefining Cost, Price, and Value 482\u003c\/p\u003e \u003cp\u003eDetermining Fair Market Value (FMV) 484\u003c\/p\u003e \u003cp\u003eUsing a Comparable Market Analysis 486\u003c\/p\u003e \u003cp\u003eBidding Wars 493\u003c\/p\u003e \u003cp\u003eIndex 497\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e","brand":"John Wiley \u0026 Sons Inc","offers":[{"title":"Default Title","offer_id":49407061459287,"sku":"9781119471516","price":18.69,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9781119471516.jpg?v=1730498038","url":"https:\/\/bookcurl.com\/products\/personal-finance-in-your-50s-allinone-for-dummies-9781119471516","provider":"Book Curl","version":"1.0","type":"link"}