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Author : William R. Reichenstein
Publisher : Unknown
Page : 116 pages
File Size : 45,6 Mb
Release : 2011
Category : Retirement income
ISBN : 0615457533
Author : William Meyer,William Reichenstein
Publisher : Unknown
Page : 128 pages
File Size : 40,9 Mb
Release : 2015-07-13
Category : Electronic
ISBN : 0984046526
Author : Emily Guy Birken
Publisher : Simon and Schuster
Page : 256 pages
File Size : 55,6 Mb
Release : 2016-06-04
Category : Business & Economics
ISBN : 9781440593376
"Learn how to manage your Social Security benefits and understand the system and rules"--
Author : William Reichenstein,William Meyer
Publisher : Unknown
Page : 128 pages
File Size : 50,5 Mb
Release : 2016-10-28
Category : Electronic
ISBN : 0984046534
Written primarily for financial professionals, this primer helps construct Social Security claiming strategies that will enhance lifetime income and minimize risk of running out of savings.
Author : Carrie Schwab-Pomerantz,Joanne Cuthbertson
Publisher : Crown Currency
Page : 434 pages
File Size : 48,5 Mb
Release : 2014-04-01
Category : Business & Economics
ISBN : 9780804137362
Here at last are the hard-to-find answers to the dizzying array of financial questions plaguing those who are age fifty and older. The financial world is more complex than ever, and people are struggling to make sense of it all. If you’re like most people moving into the phase of life where protecting—as well as growing-- assets is paramount, you’re faced with a number of financial puzzles. Maybe you’re struggling to get your kids through college without drawing down your life’s savings. Perhaps you sense your nest egg is at risk and want to move into safer investments. Maybe you’re contemplating downsizing to a smaller home, but aren’t sure of the financial implications. Possibly, medical expenses have become a bigger drain than you expected and you need help assessing options. Perhaps you’ll shortly be eligible for social security but want to optimize when and how to take it. Whatever your specific financial issue, one thing is certain—your range of choices is vast. As the financial world becomes increasingly complex, what you need is deeply researched advice from professionals whose credentials are impeccable and who prize clarity and straightforwardness over financial mumbo-jumbo. Carrie Schwab-Pomerantz and the Schwab team have been helping clients tackle their toughest money issues for decades. Through Carrie’s popular “Ask Carrie” columns, her leadership of the Charles Schwab Foundation, and her work across party lines through two White House administrations and with the President’s Advisory Council on Financial Capability, she has become one of America’s most trusted sources for financial advice. Here, Carrie will not only answer all the questions that keep you up at night, she’ll provide answers to many questions you haven’t considered but should.
Author : Laurence J. Kotlikoff,Philip Moeller,Paul Solman
Publisher : Simon and Schuster
Page : 384 pages
File Size : 44,5 Mb
Release : 2015-02-17
Category : Business & Economics
ISBN : 9781476772318
Social Security law has changed! Get What’s Yours has been revised and updated to reflect new regulations that took effect on April 29, 2016. Get What’s Yours has proven itself to be the definitive book about how to navigate the forbidding maze of Social Security and emerge with the highest possible benefits. It is an engaging manual of tactics and strategies written by well-known financial commentators that is unobtainable elsewhere. You could try reading all 2,728 rules of the Social Security system (and the thousands of explanations of these rules), but academia’s Kotlikoff, the popular press’s Moeller, and public television’s Solman explain the Social Security system just as comprehensively, and a lot more comprehensibly. Moreover, they demonstrate that what you don’t know can seriously hurt you: wrong decisions about which Social Security benefits to apply for cost individual retirees tens of thousands of dollars in lost income every year. (Some of those people are even in the book.) Changes to Social Security that take effect in 2016 make it more important than ever to wait as long as possible (until age 70, if possible) to claim Social Security benefits. The new law also has significant implications for those who wish to claim divorced spousal benefits (and how many Social Security recipients even know about divorced spousal benefits?). Besides addressing these and other issues, this revised edition contains a chapter explaining how Medicare rules can shape Social Security decisions. Many other personal-finance books briefly address Social Security, but none offers the full, authoritative, yet conversational analysis of Get What’s Yours. Get What’s Yours explains Social Security benefits through basic strategies and stirring stories. It covers the most frequent benefit scenarios faced by married retired couples; by divorced retirees; by widows and widowers. It explains what to do if you’re a retired parent of dependent children; disabled; an eligible beneficiary who continues to work. It addresses the tax consequences of your choices, as well as the financial implications for other investments. It does all this and more. There are more than 52 million Americans aged 54 to 69. Ten thousand of them reach Social Security’s full retirement age of 66 every day. For all these people—and for their families and friends—Get What’s Yours has proven to be an invaluable, and therefore indispensable, tool.
Author : Brian Vosberg
Publisher : Unknown
Page : 176 pages
File Size : 42,9 Mb
Release : 2021-02-12
Category : Electronic
ISBN : 9798550964682
With more than 10,000 baby boomers retiring daily, it is more important than ever to understand your Social Security benefits. The decisions you make now regarding Social Security will impact the amount of benefits you will receive for the rest of your life. This book will help you better understand the basics of Social Security and how to maximize your benefits. You will learn: - How does Social Security work? - When to file for Social Security. - The different ways to file for Social Security, including new ways to file. - Costly mistakes to avoid. - Strategies to maximize benefits for spouses and widows. - How to avoid having your Social Security taxed. - How a Government Pension affects Social Security. - How working in retirement affects your Social Security. - How to coordinate other retirement income with Social Security. The decisions you make today about Social Security will have an impact over what you will receive for the rest of your life. The wrong decision could cost you thousands of dollars or more of lost Social Security beneefits over your lifetime.
Author : John D. Deppe,Angela S. Deppe
Publisher : Second City Books (POD)
Page : 140 pages
File Size : 46,8 Mb
Release : 2012-08-01
Category : Business & Economics
ISBN : 1935766597
Tips, answers, and easy-to-understand strategies to help you maximize your Social Security income.
Author : Mike Piper
Publisher : Unknown
Page : 132 pages
File Size : 43,6 Mb
Release : 2022-01-03
Category : Electronic
ISBN : 1950967115
Find all of the following, explained in plain-English: How your Social Security retirement benefits, spousal benefits, and widow/widower benefits are calculated How your benefits are affected if you have a government pension or if you continue working while claiming Social Security How to decide when is the best age for you (and your spouse, if you're married) to claim Social Security in order to get the most out of your benefits Whether or not it makes sense to take Social Security early in order to invest the money How to check your earnings record on the Social Security Administration's website to make sure you're getting the full benefit you deserve How Social Security benefits are taxed and how this affects retirement tax planning Please note that this book does not cover Social Security disability benefits or Supplemental Security Income (SSI).
Author : Mark J. Orr,Mark J Orr Cfp
Publisher : Createspace Independent Publishing Platform
Page : 0 pages
File Size : 53,8 Mb
Release : 2013-10-02
Category : Baby boom generation
ISBN : 149293304X
Fully UPDATED for 2018 to reflect the changes and new rules made to Social Security by the Bipartisan Budget Act of November 2015. The book and the author have been quoted in the USA Today both before and after the new laws. This is perhaps the most encompassing, yet easy-to-understand book on the vital and timely topic of Social Security retirement income planning. It is written by an experienced Certified Financial Planner for soon-to-be retirees who want to learn all about the different claiming strategies for couples and for single persons (never married, divorced or widowed). Most people have no idea of what some their real benefit options are -- and unfortunately can be prone to miss out on $10,000's. The book's sole purpose is to provide people who are about to retire, with all of the information that they need to make the best Social Security benefit decisions based on their own financial circumstances and retirement goals. In this respect it is an essential planning guide and road map. A quick scan of the table of contents gives a glimpse of the scope and amount of powerful information provided. However, what the table of contents does not show is how 95% of Social Security recipients (both couples and many singles) will leave up to $150,000 of benefits sitting on the table that cannot be retrieved. This is money that they are fully entitled to, but these folks did not follow the little-known claiming strategies described in this book. It's your money, you paid into the system your whole life - so don't miss out on getting every dollar that you can. There are many useful examples given to show you the full range of their filing options and how to maximize your lifetime benefits. Written in plain English, these examples are meant to encourage you to carefully consider how you can get the most total benefits available under the law. Perhaps one of the most unique portions of the book is where the author combines his expertise of Social Security with his knowledge of income taxes to show readers how it is very possible to cut ones taxable income and their subsequent retirement income tax bill by 50%. The story comparing the Early's, the Waite's and the Best's is worth ten times the price of the book, as it explains how a savvy reader can save $1,000's of income tax dollars each year during their retirement. The chapter about the 3 buckets of investment risk and the 3 taxation buckets is the perfect complement to learning about filing strategies since Social Security was never meant to provide for all one's retirement income. Not only is this discussion vital for soon-to-be retirees, it should be required reading for every American adult before they EVER invest a single dime anywhere. Don't let the low cost of the book fool you. While reading the book, it becomes very apparent that Mr. Orr actually works in the retirement income planning field on a daily basis with the non-stop tips, warnings, things to consider and much more. "Social Security Income Planning" is concise and written in a conversational style, yet it's jam-packed with all the information you need to maximize your benefits. The advanced concepts and planning strategies are made so simple, that you will be able to explain them to your co-workers... or even to your financial advisor (who very likely has only a vague understanding of the strategies you are talking about)!
Author : CLYDEBANK. FINANCE
Publisher : Unknown
Page : 74 pages
File Size : 47,9 Mb
Release : 2015-08-25
Category : Electronic
ISBN : 1329410017
With so much attention on Social Security lately- no matter what your age- you realize it's importance, but maybe you're not exactly sure what it means for you. For many Americans, Social Security income will provide for the majority of their retirement. Even those who've cultivated other sources of retirement income over the years will still rely on Social Security as a significant pillar of their greater retirement strategies. If you don't understand how Social Security works, you could be missing out on HUGE benefits. With Social Security Simplified, you will come to understand Social Security from the inside out, including what factors affect your Social Security benefits, when these benefits can be utilized, and how to maximize those benefits for yourself. Social Security Simplified is broken down and explained in laymen terms so you'll know exactly how to maximize your benefits for life!
Author : Laurence Kotlikoff
Publisher : Little, Brown Spark
Page : 283 pages
File Size : 50,6 Mb
Release : 2022-01-04
Category : Business & Economics
ISBN : 9780316541879
Increase your spending power, enhance your standard of living, and achieve financial independence with this “must-read” guide to money management (Jane Bryant Quinn). Laurence Kotlikoff, one of our nation’s premier personal finance experts and coauthor of the New York Times bestseller Get What’s Yours: The Secrets to Maxing Out Your Social Security, harnesses the power of economics and advanced computation to deliver a host of spellbinding but simple money magic tricks that will transform your financial future.Each trick shares a basic ingredient for financial savvy based on economic common sense, not Wall Street snake oil. Money Magic offers a clear path to a richer, happier, and safer financial life. Whether you’re making education, career, marriage, lifestyle, housing, investment, retirement, or Social Security decisions, Kotlikoff provides a clear framework for readers of all ages and income levels to learn tricks like: How to choose a career to maximize your lifetime earnings (hint: you may want to consider picking up a plunger instead of a stethoscope). How to buy a superior education on the cheap and graduate debt-free. Why it’s smarter to cash out your IRA to pay off your mortgage. Why delaying retirement for two years can reap dividends and how to lower your average lifetime tax bracket. Money Magic’s most powerful act is transforming your financial thinking, explaining not just what to do, but why to do it. Get ready to discover the economics approach to financial planning—the fruit of a century’s worth of research by thousands of cloistered economic wizards whose now-accessible collective findings turn conventional financial advice on its head. Kotlikoff uses his soft heart, hard nose, dry wit, and flashing wand to cast a powerful spell, leaving you eager to accomplish what you formerly dreaded: financial planning.
Author : Naila Kabeer
Publisher : Routledge
Page : 398 pages
File Size : 44,6 Mb
Release : 2014-03-21
Category : Social Science
ISBN : 9781317809906
The vast majority of the world’s working women, particularly those from low-income households in developing countries, are located in the informal economy in activities that are casual, poorly paid, irregular and outside the remit of formal social security and protective legislation. This book examines the constraints and barriers which continue to confine women to these forms of work and what this implies for their ability to provide for themselves and their families and to cope with insecurity. It develops a framework of analysis that integrates gender, life course and livelihoods perspectives in order to explore the interactions between gender inequality, household poverty and labour market forces that help to produce gender-differentiated experiences of risk and vulnerability for the working poor. Drawing on practical experiences from the field, It uses this framework to demonstrate the relevance of a gender-analytical approach to the design and evaluation of a range of social protection measures that are relevant to women at different stages of their life course. These include conditional and unconditional social transfers to reduce child labour and promote children’s education, child care support for working women, financial services for the poor, employment generation through public works and different measures for old age security. The book stresses the importance of an organised voice for working women if they are to ensure that employers, trade unions and governments respond to their need for socio-economic security. Finally, the book synthesises the main lessons that emerge from the discussion and the linkages between social protection strategies and the broader macro-economic framework. A book that will be of interest to a wide range of readers—those in the fields of economics, sociology and gender studies, as also activists and policy-makers.
Author : Mark Miller
Publisher : John Wiley & Sons
Page : 263 pages
File Size : 52,6 Mb
Release : 2010-06-15
Category : Business & Economics
ISBN : 9780470908341
A timely guide to overcoming the retirement challenges we all face The Great Recession has placed a wake-up call to America's baby boomers. Many have not saved enough for retirement and have not taken a hard look at how many post-work years they may need to finance. Written in a straightforward and accessible style, The Hard Times Guide to Retirement Security tackles the tough questions about retirement in the new post-crash economy. Page by page, it puts retirement in perspective by touching on important issues such as insuring against the risk of outliving your assets, recalibrating damaged retirement portfolios, managing the risk of health-care expenses in retirement, and career strategies for workers who are 50 years old and up. Reveals how to boost lifetime income through better planning, and working just a few additional years Offers advice on how to hire a financial advisor whose first loyalty is to you, not Wall Street Discusses why you should rethink housing in the wake of the real estate crash Offers detailed advice on career reinvention, the 50+ job market and midlife entrepreneurship Engaging and informative, this practical guide provides the strategies needed for a truly fulfilling and secure retirement.
Author : Jim Blankenship
Publisher : Createspace Independent Publishing Platform
Page : 0 pages
File Size : 42,6 Mb
Release : 2015-12-05
Category : Social security
ISBN : 1519655061
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