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The Baby Boomer Financial Wake-Up Call by Kay R. Shirley Pdf
Dr. Shirley provides formulas for 40- and 50-year olds who have just responded to the financial wake-up call. She shares examples, success stories, and case studies of real people from her financial planning practice of 18 years, accompanied by charts, forms, and tips to guide 40- and 50-year old readers on a journey to financial self-sufficiency.
Bonus content "What's Your Retirementology I.Q.?" included in this digital edition. Looking ahead to retirement? Depending on your circumstances and your age, you may no longer have any margin for error. And your emotions and irrational behavior could be perpetuating a dangerous cycle of overspending and rising debt that may shatter whatever vision of retirement you still have. Welcome to the world of Retirementology. Retirementology bridges retirement planning with investor psychology and the market Meltdown of 2008 to produce an entirely new way of thinking about how we spend, how we save, how we borrow, and how we invest. Financial mistakes are deeply rooted in human nature, but you may be able to overcome them--if you understand the breakthrough principles of behavioral economics and apply them in your own retirement planning. Dr. Gregory Salsbury identifies some of the classic cognitive biases and behavioral mistakes most of us keep making when it comes to retirement planning. For example: Why will people drive 45 minutes to use a $2.00 coupon? Why won’t people sell a poor performing stock just because they inherited it from grandma? Why do people spend differently with a credit card than they do with cash? Why do people believe that they paid no income taxes because they received a refund? You’ll learn why the financial meltdown has amplified the impact of these all-too-human cognitive mistakes and discover ideas for addressing them. The bottom line for your bottom line is that retirement can no longer be ignored, viewed as a single event, relegated to a “zone,” or romanticized. Instead, you must understand how every spending and financial decision you make from here on can impact the way you will spend your golden years. Retirementology attempts to help you do just that. Retirement planning: right brain versus left brain Why these different areas of the brain impact financial decisions--and what to do about it It’s real money! “De-layering” your finances How to overcome the psychological tricks that separate you from your money Family matters: managing financial support decisions for your extended family Choosing between your family or your retirement Get “long-term smart” How longevity, inflation, volatility, and your own expectations impact your retirement goals
The Baby Boomer's Guide to Retirement, Health & Happiness by Robert Edwards Pdf
If you were born between 1946 and 1964, Robert Edwards wants to help you age gracefully, retire comfortably, and proactively adapt to the impending speed bumps that are likely to crop up as you travel down the retirement leg of your Baby Boomer life's journey. Edwards is on a mission to help you figure out your ideal weight, diet, exercise plan, and so much more; because aging isn't as easy as it used to be--especially during an era when 50 is viewed as the new 30. Throughout this savvy Boomers guide to aging, Edwards explains how your Baby Boomer body is changing, and how you need to support those changes so you can continue to enjoy a high quality of life. Two of the largest challenges Boomers face is Alzheimer's and poverty. To help with those challenges, Edwards provides proactive solutions that sharpen mental capabilities and prevent financial disasters from occurring. With a great percentage of Boomers facing retirement without a proper financial cushion, it's vital to start building your financial resources immediately. Edward's chapter on finances might just be the "wake-up" call you've needed to jolt you out of complacency and unwise spending patterns so you won't be blindsided when you reach retirement age. Edwards says that the right time to take charge is NOW. People are living longer than ever, but what good is living longer if health woes, financial disaster, or both, tarnish your Golden Age? By implementing Edward's suggestions on hormones, nutritional supplements, dietary habits, stress relief, and other essentials, you'll likely spend less time in a doctor's office and a lot more time on the tennis court!
In Wake-Up Call, financial planning expert Tim Chang reveals the ways governments, banks, and unions make decisions that financially hurt the very people they’re designed to help. He also shows how your own decision-making can hinder your efforts to grow and protect your wealth and offers guidance on how to get the advice you need—so that you can achieve your long-term financial goals. In 2010, Tim introduced the idea that the biggest barrier to achieving greater wealth is a lack of financial literacy—the skills and knowledge to make wise decisions with your money. Backed by rigorous research and Tim’s 30 years of experience in the financial services field, Wake-Up Call offers further insight into the institutional and personal forces that keep you from realizing your full financial potential—from globalization to your own emotional biases. Whether you’ve been investing for years, are just starting out, or simply want to feel confident about your financial future, Wake-Up Call is required reading.
The legacy of the male baby boomer will be defined by how they choose to handle the physical, emotional, and financial burden they leave to the next generation. Author Dan Zeman is passionate about educating and motivating his fellow male baby boomers about the aging process. Today, these men are living much longer than they expected and will be forced to come to terms being gifted an increased life expectancy, both good and bad. As an exercise physiologist for over 35 years, Zeman has been in the trenches of the health, fitness, and sports medicine fields. He's had a ringside seat as medical advancements have increased life-spans, technological developments have decreased physical activity, and learned why society has struggled to address the resulting problems. Zeman lays the groundwork to help the male baby boomer plan ahead for living longer than any generation in history.
But what If I Live? The American Retirement Crisis by Gregory Brandon Salsbury Pdf
This book is dramatic wake-up call for a generation of overspent and under-saved Americans who face the very real possibility of outliving their money. Yesterdays retirees were supported by guaranteed income sources. Today, baby boomers are looking at a very different picture, one where they are increasingly responsible for generating their retirement income from personal savings while facing a longer life expectancy and astounding leaps in expenses. Key Selling Points: explores the seven key challenges that stand between baby boomers and a successful retirement; helps baby boomers recognize and address the key challenges to retirement; guides baby boomers to better plan for the income they will need so they can achieve the retirement they deserve.
How Not to Go Broke at 102! by Adriane G. Berg Pdf
The continued threat to Social Security income makes longevity planning critical for a lifetime of financial security. How Not to Go Broke at 102! examines the challenges of financial longevity and provides readers with guidelines for making the right financial choices that will provide the security to support a long and active life. This book looks at the reality behind long-term care for boomers and their aging parents, discusses methods to maximize life-long income, create intergenerational planning, manage housing and healthcare costs, choose meaningful work, and access newly instituted government programs to live without compromise in the exciting decades ahead.
The legacy of the male baby boomer will be defined by how they choose to handle the physical, emotional, and financial burden they leave to the next generation. Author Dan Zeman is passionate about educating and motivating his fellow male baby boomers about the aging process. Today, these men are living much longer than they expected and will be forced to come to terms being gifted an increased life expectancy, both good and bad. As an exercise physiologist for over 35 years, Zeman has been in the trenches of the health, fitness, and sports medicine fields. He's had a ringside seat as medical advancements have increased life-spans, technological developments have decreased physical activity, and learned why society has struggled to address the resulting problems. Zeman lays the groundwork to help the male baby boomer plan ahead for living longer than any generation in history.
Church Wake-Up Call by William Benke,Le Etta Benke,Robert E Stevens,David L Loudon Pdf
Is your church viable in the changing marketplace of today--and tomorrow? Today's church market is comprised of four cultural paradigms--Youth, Baby Busters (Generation X), Baby Boomers, and Pre-Boomers. Each has unique characteristics in terms of attitudes, spiritual orientation, values, emotional needs, moral perspective, and lifestyle. This implies significant changes for the church--new approaches to ministry and different methods of communication and interface. Church Wake-Up Call's unique “Ministries Matrix” approach provides effective management techniques to help you define and evaluate duties, priorities, and remedial actions for the future of your ministry in today's multigenerational context. Church Wake-Up Call will inform and enlighten you on these subjects: understanding and using the Ministries Matrix to define purposes and priorities for your church eirecting your ministry toward a particular age group without compromising the church's message increasing your church's visibility structuring your church's management organization creating an effective outreach program . . . and more! Although the book is oriented toward churches and their leadership and has been written largely from an evangelical Christian perspective, the descriptive information regarding each of the generational categories that comprise today's populace is applicable to all Christian organizations, whether they be evangelical or mainline Protestant, Catholic or parachurch. Similarly, the management system, which integrates defined purposes, priorities, and programming options into a well-coordinated plan of action, can be applied by all such organizations.
Using familiar examples, Nyren advises how to change prescription drug advertising, discusses planned retirement communities and the ways that they can be made more appealing to maturing consumers, and more importantly, offers valuable advice on the advertising of general consumer goods and services. Exploding the myth that Baby Boomers just want to retreat to their younger years, Nyren explains that Boomers are not hung up on age. "Who actually thinks about his or her age all the time, or even very often?" he asks. "Contrary to social commentators, the media, and certainly advertising agencies, most of the time we are who we are: people in our middle age, and not much different but a little different than other generations were in their middle ages. We're not jumping in mosh pits while juggling cans of soda, trying to be eighteen again.
The Retirement Boom by Catherine Allen,Nancy Bearg,Rita Foley,Jaye Smith Pdf
Baby Boomers are reinventing retirement just as they have so many other aspects of their lives. They will live longer and be healthier than their parents and grandparents, and they plan to remain relevant, be fulfilled, and leave legacies. Many will continue to work well into their 70s and 80s, some because they want to, others because they need to.The Retirement Boom is a practical roadmap for making your “retirement years” a time of reinvention, excitement, and fulfillment.The coauthors of this practical guide are four Boomer professionals who have walked the walk and transformed themselves from corporate executives, CEOs, consultants, and national security policy experts into a range of new careers that more closely hew to their passions. They interviewed more than 300 people and 30 organizations in the writing of this book.The Retirement Boom includes tips, stories, exercises, and techniques to help you:Design your own “retirement” and plan for it.Use your time creatively and well.Understand what's changing in the workplace and the workforce today.Make your money last.Renegotiate life at home.Improve and keep your health.Build and leave a legacy.Simplify your life.And much, much more.