By Eric Tyson, Bob Carlson
Manage your funds on your golden years—enjoy your retirement!
Numerous lifestyles alterations include the territory of having older—as we are reminded on a daily basis through anti-aging campaigns—but one switch the media does not usually point out is the necessity for a moving method of own monetary administration. Personal Finance For Seniors For Dummies, 2nd Edition bargains the exact info you want to make trained judgements concerning your investments, spending, and the way to most sensible shield your wealth. you have got labored all your lifestyles on your nest egg—why no longer deal with it as successfully as attainable?
Enjoying your golden years hinges in your skill to reside the lifestyles you have got dreamed of, and that is impossible except you deal with your funds hence. the ideal monetary judgements may possibly suggest the variation among a condominium in a extra tropical weather and 5 extra years of shoveling snow, so why depart them to likelihood?
- Explore monetary suggestion that is specific to the desires of your generation
- Understand how alterations in executive courses can effect your retirement
- Consider the consequences of tax legislation updates, and the way to most sensible guard your resources whilst filling out tax kinds every one year
- Navigate your saving and funding techniques, and decide the techniques that top healthy the industrial environment
Whether you are heading into your senior years or your mom and dad are becoming older and also you are looking to aid them look after their funds, Personal Finance For Seniors For Dummies, 2nd Edition deals the perception you must preserve monetary issues at the correct track!
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Extra resources for Personal Finance For Seniors For Dummies
The answers are simple. If you want to protect your future employment income, an LTD plan is one of the best ways to do so. Here are some reasons you should get LTD: Chapter 2: Protecting Your Employment Income and Your Health ✓ Life is uncertain. You can’t know when and what type of disability you may suffer. That’s because many disabilities are caused by medical problems (arthritis, cerebral palsy, diabetes, glaucoma, multiple sclerosis, muscular dystrophy, stroke, and so on) and accidents (head injuries, spinal injury, loss of limb, and so on).
Pensions (check out Chapter 7 for more info) differ from other sources of income, such as 401(k)s, IRAs, profit-sharing plans, and employee stock ownership plans (ESOPs), mainly in that only pensions guarantee you a fixed payment backed by your employer. With other types of retirement savings, the amount you receive in retirement depends on the amount you contribute and how you invest the account. See Chapter 5 for more info on other retirement accounts. Leaving an employer and deciding what to do with your retirement account money When you change jobs, get laid off, or retire, you often are faced with choices about when and how to withdraw money from retirement accounts — such as 401(k)s or 403(b)s — and minimizing the 13 14 Part I: Working toward Retirement tax hit from doing so.
You can find this number on your tax return or W-2 form from the past year. ) 2. Determine the amount of money you need in order to replace your income for the appropriate number of years. You can find this amount by simply using the information in Table 2-1. 3. Consider your overall financial situation and whether you need to replace all your income over the time period you chose in Step 2. High income earners who live well beneath their means may not want or need to replace all their income. If you’re in this category and determine that you don’t need to replace all your income, apply an appropriate percentage.
Personal Finance For Seniors For Dummies by Eric Tyson, Bob Carlson