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Author: Laurence J. Kotlikoff Publisher: Simon and Schuster ISBN: 1476772290 Category : Business & Economics Languages : en Pages : 336
Book Description
Learn the secrets to maximizing your Social Security benefits and earn up to thousands of dollars more each year with expert advice that you can't get anywhere else. Want to know how to navigate the forbidding maze of Social Security and emerge with the highest possible benefits? You could try reading all 2,728 rules of the Social Security system (and the thousands of explanations of these rules), but Kotlikoff, Moeller, and Solman explain Social Security benefits in an easy to understand and user-friendly style. What you don't know can seriously hurt you: wrong decisions about which Social Security benefits to apply for cost some individual retirees tens of thousands of dollars in lost income every year. How many retirees or those nearing retirement know about such Social Security options as file and suspend (apply for benefits and then don't take them)? Or start stop start (start benefits, stop them, then re-start them)? Or-just as important-when and how to use these techniques? Get What's Yours covers the most frequent benefit scenarios faced by married retired couples, by divorced retirees, by widows and widowers, among others. It explains what to do if you're a retired parent of dependent children, disabled, or an eligible beneficiary who continues to work, and how to plan wisely before retirement. It addresses the tax consequences of your choices, as well as the financial implications for other investments. Many personal finance books briefly address Social Security, but none offers the thorough, authoritative, yet conversational analysis found here. You've paid all your working life for these benefits. Now, get what's yours.
Author: Laurence J. Kotlikoff Publisher: Simon and Schuster ISBN: 1476772290 Category : Business & Economics Languages : en Pages : 336
Book Description
Learn the secrets to maximizing your Social Security benefits and earn up to thousands of dollars more each year with expert advice that you can't get anywhere else. Want to know how to navigate the forbidding maze of Social Security and emerge with the highest possible benefits? You could try reading all 2,728 rules of the Social Security system (and the thousands of explanations of these rules), but Kotlikoff, Moeller, and Solman explain Social Security benefits in an easy to understand and user-friendly style. What you don't know can seriously hurt you: wrong decisions about which Social Security benefits to apply for cost some individual retirees tens of thousands of dollars in lost income every year. How many retirees or those nearing retirement know about such Social Security options as file and suspend (apply for benefits and then don't take them)? Or start stop start (start benefits, stop them, then re-start them)? Or-just as important-when and how to use these techniques? Get What's Yours covers the most frequent benefit scenarios faced by married retired couples, by divorced retirees, by widows and widowers, among others. It explains what to do if you're a retired parent of dependent children, disabled, or an eligible beneficiary who continues to work, and how to plan wisely before retirement. It addresses the tax consequences of your choices, as well as the financial implications for other investments. Many personal finance books briefly address Social Security, but none offers the thorough, authoritative, yet conversational analysis found here. You've paid all your working life for these benefits. Now, get what's yours.
Author: Mark Novak Publisher: Routledge ISBN: 1317347080 Category : Social Science Languages : en Pages : 1093
Book Description
Opportunities and optimism in Aging. Issues in Aging, 3rd edition takes an optimistic view of aging and human potential in later life. This book presents the most up-to-date facts on aging today, the issues raised by these facts, and the societal and individual responses that will create a successful old age for us all. Mark Novak presents the full picture of aging--exhibiting both the problems and the opportunities that accompany older age. The text illustrates how generations are dependent on one another and how social conditions affect both the individual and social institutions. Learning Goals -Upon completing this book, readers will be able to: -Understand how large-scale social issues--social attitudes, the study of aging, and demographic issues--affect individuals and social institutions -Identify the political responses to aging and how individuals can create a better old age for themselves and the people they know -Separate the myths from the realities of aging -Recognize the human side of aging -Trace the transformation of pension plans, health, and opportunities for personal expression and social engagement to the new ecology of aging today
Author: Philip Moeller Publisher: Simon and Schuster ISBN: 1501124013 Category : Business & Economics Languages : en Pages : 304
Book Description
A coauthor of the New York Times bestselling guide to Social Security Get What’s Yours authors an essential companion to explain Medicare, the nation’s other major benefit for older Americans. Learn how to maximize your health coverage and save money. Social Security provides the bulk of most retirees’ income and Medicare guarantees them affordable health insurance. But few people know what Medicare covers and what it doesn’t, what it costs, and when to sign up. Nor do they understand which parts of Medicare are provided by the government and how these work with private insurance plans—Medicare Advantage, drug insurance, and Medicare supplement insurance. Do you understand Medicare’s parts A, B, C, D? Which Part D drug plan is right and how do you decide? Which is better, Medigap or Medicare Advantage? What do you do if Medicare denies payment for a procedure that your doctor says you need? How do you navigate the appeals process for denied claims? If you’re still working or have a retiree health plan, how do those benefits work with Medicare? Do you know about the annual enrollment period for Medicare, or about lifetime penalties for late enrollment, or any number of other key Medicare rules? Health costs are the biggest unknown expense for older Americans, who are turning sixty-five at the rate of 10,000 a day. Understanding and navigating Medicare is the best way to save health care dollars and use them wisely. In Get What’s Yours for Medicare, retirement expert Philip Moeller explains how to understand all these important choices and make the right decisions for your health and wealth now—and for the future.
Author: Laurence Kotlikoff Publisher: Little, Brown Spark ISBN: 0316541877 Category : Business & Economics Languages : en Pages : 283
Book Description
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: Jane Bryant Quinn Publisher: Simon and Schuster ISBN: 1416553525 Category : Business & Economics Languages : en Pages : 1266
Book Description
Named the best personal finance book on the market by Consumers Union, Jane Bryant Quinn's bestseller Making the Most of Your Money has been completely revised and updated to provide a guide to financial recovery, independence, and success in the new economy. Getting your financial life on track and keeping it there -- nothing is more important to your family and you. This proven, comprehensive guidebook steers you around the risks and helps you make smart and profitable decisions at every stage of your life. Are you single, married, or divorced? A parent with a paycheck or a parent at home? Getting your first job or well along in your career? Helping your kids in college or your parents in their older age? Planning for retirement? Already retired and worried about how to make your money last? You'll find ideas to help you build your financial security here. Jane Bryant Quinn answers more questions more completely than any other personal-finance author on the market today. You'll reach for this book again and again as your life changes and new financial decisions arise. Here are just a few of the important subjects she examines: • Setting priorities during and after a financial setback, and bouncing back • Getting the most out of a bank while avoiding fees • Credit card and debit card secrets that will save you money • Family matters -- talking money before marriage and mediating claims during divorce • Cutting the cost of student debt, and finding schools that will offer big "merit" scholarships to your child • The simplest ways of pulling yourself out of debt • Why it's so important to jump on the automatic-savings bandwagon • Buying a house, selling one, or trying to rent your home when buyers aren't around • Why credit scores are more important than ever, plus tips on keeping yours in the range most attractive to lenders • Investing made easy -- mutual funds that are tailor-made for your future retirement • What every investor needs to know about building wealth • How an "investment policy" helps you make wise decisions in any market • The essential tax-deferred retirement plans, from 401(k)s to Individual Retirement Accounts -- and how to manage them • How to invest in real estate at a bargain price (and how to spot something that looks like a bargain but isn't) • Eleven ways of keeping a steady income while you're retired, even after a stock market crash • Financial planning -- what it means, how you do it, and where to find good planners Page by page, Quinn leads you through the pros and cons of every decision, to help you make the choice that will suit you best. This is the single personal-finance book that no family should be without.
Author: Laurence J. Kotlikoff Publisher: Simon and Schuster ISBN: 1416579672 Category : Business & Economics Languages : en Pages : 337
Book Description
Rich or poor, young or old, high school or college grad, this book, written by economist Laurence J. Kotlikoff and syndicated financial columnist Scott Burns, can change your life for the better! If you follow the advice in this book, it will raise your living standard (possibly by a lot), improve your lifestyle, and help you spend 'til the end. And it will completely transform your financial thinking, turning every bit of conventional financial wisdom on its head. If this sounds like a revolution in financial planning, you got it. So do The New York Times, The Washington Post, The Wall Street Journal, USA Today, Time, Consumer Reports, and other top publications that have been featuring the authors' economics-based "consumption smoothing" approach to financial planning. Spend 'Til the End substitutes economic wisdom for the "rules of dumb" that currently pass for financial advice. In the process it indicts the investment and financial-planning industry for giving most people saving and insurance targets that are much too high and then convincing them to invest in risky mutual funds and expensive insurance policies. The result is that most people are scrimping and saving during the years when they could be spending and enjoying their money -- and with no sure payoff. Easy to read, this book is packed with practical and often shocking advice on whether to work, how to pick a career, which job to take, where to live, what sort of house to buy, how much to save, when to retire, which kind of retirement account to use, whether to have kids, whether to divorce, when to take Social Security, how fast to spend down your assets in retirement, and how to invest.
Author: Bob Carlson Publisher: Simon and Schuster ISBN: 1684511186 Category : Business & Economics Languages : en Pages : 262
Book Description
RETIRE WITHOUT REGRETS What’s the biggest retirement mistake you can make? Not taking full advantage of your Social Security benefits. And it’s a mistake that almost every retiree makes. If you’re like most people, you would have to be a millionaire to earn as much from your investments as you can from Social Security. But Social Security also comes with pitfalls, and the wrong choice can leave you poorer for the rest of your life. Luckily, America’s #1 retirement expert, Bob Carlson, editor of the popular Retirement Watch newsletter and website, is here to help with an easy-to-follow guide to getting the most out of your Social Security benefits. You’ll learn: • The right time to claim your benefits—and why timing is key • Whether you should take a lump sum benefit • How to minimize your total tax bill with smart Social Security choices • Why working can sometimes decrease your benefits • How to calculate your “longevity risk” so you never run out of money • When you can change your benefits claim, and when you can’t • Why you can’t depend on the Social Security Administration for good advice—or even correct information • And much, much more! Millions of Americans have come to regret their Social Security decisions. If you want to avoid the same mistakes, you need Where’s My Money? Secrets to Getting the Most out of Your Social Security.
Author: Luis Carlos Montalvan Publisher: Hachette Books ISBN: 1401303765 Category : Biography & Autobiography Languages : en Pages : 251
Book Description
A heartwarming dog story like no other: Tuesday, a lovable golden retriever, changes a former soldier’s life forever. A highly decorated captain in the U.S. Army, Luis Montalván never backed down from a challenge during his two tours of duty in Iraq. After returning home from combat, however, his physical wounds and crippling post-traumatic stress disorder began to take their toll. He wondered if he would ever recover. Then Luis met Tuesday, a sensitive golden retriever trained to assist people with disabilities. Tuesday had lived among prisoners and at a home for troubled boys, and he found it difficult to trust in or connect with a human being–until Luis. Until Tuesday is the story of how two wounded warriors, who had given so much and suffered the consequences, found salvation in each other. It is a story about war and peace, injury and recovery, psychological wounds and spiritual restoration. But more than that, it is a story about the love between a man and dog, and how, together, they healed each other’s souls.
Author: Andrew W. Mayoras Publisher: Rj Communications ISBN: 9780615551173 Category : Business & Economics Languages : en Pages : 290
Book Description
NEWLY UPDATED 2ND EDITION! The highly-publicized estate battles of celebrities cast a bright spotlight on the importance of having the proper estate planning. You'll have a front row seat in the courtroom while Trial and Heirs: Famous Fortune Fights! replays the "tabloid drama" and points out what went wrong in these riveting cases. Legacy Expert Attorneys Andrew W. Mayoras and Danielle B. Mayoras are your guides - with research and court records in one hand, and juicy celebrity stories in the other. These include Michael Jackson, Whitney Houston, Princess Di, Anna Nicole Smith, Heath Ledger, Ray Charles, Jimi Hendrix, Frank Sinatra, Martin Luther King Jr., Brooke Astor, Rosa Parks... and many others! This easy-to-follow guide is complete with Tips to Avoid a Family Fight and Ideas to Spark Family Discussion. The tips alone could save you thousands (or more!) in legal fees. Discover how to steer clear of the same celebrity estate "errors" as you protect yourself and your "heirs."
Author: Abigail Thomas Publisher: Houghton Mifflin Harcourt ISBN: 0156033232 Category : Biography & Autobiography Languages : en Pages : 197
Book Description
Author Abigail Thomas shares the story of how she started a new life after an accident left her husband brain damaged and institutionalized.
Author: Laurence J. Kotlikoff
Author: Laurence J. Kotlikoff
Author: Mark Novak
Author: Philip Moeller
Author: Laurence Kotlikoff
Author: Jane Bryant Quinn
Author: Laurence J. Kotlikoff
Author: Bob Carlson
Author: Luis Carlos Montalvan
Author: Andrew W. Mayoras
Author: Abigail Thomas