These six books offer some great advice and practical tips on how to chart your own path. This AARP book helps you assess your current life and determine what you want to do next. I found the book excels in a lot of the advice it provides, such as helping you decide what activities might give your life meaning or whether you should keep your house.
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- Mercury as a Global Pollutant: Human Health Issues: Fourth International Conference, August 4-8 1996,Hamburg, Germany!
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- Nobody Loves Me.
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- Simbolismo e arte sacra: Il linguaggio segreto dellAntelami (Italian Edition);
Astor also includes a number of helpful lists for the reader — what subjects to cover when talking to the kids about your life affairs, for example, or how to ask your doctor about a new prescription. In about pages, this book does a brilliant job of answering two critical questions: How much money will you need to retire, and what financial choices should you make?
Piper demonstrates a real knack for taking complex subjects and simplifying them.
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- Origine du prénom Antony (Oeuvres courtes) (French Edition).
- In the Crosshairs.
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If retirement decisions make your brain hurt, this book will get you going. Piper also blogs at obliviousinvestor. For those who have spent their whole career accumulating assets, this book will show you how to transform those funds into a steady paycheck for the rest of your life. Vernon discusses four main goals for older people: This fourth edition of the New York Times business best-seller has been updated. Hinden takes you through 12 critical decisions, from determining whether you are ready for retirement to how you can age successfully.
- Ready, Set, Retire;
- Orphan Justice: How to Care for Orphans Beyond Adopting;
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- Invisible Year?
- Ready, Read, Retire.
But he started thinking seriously about making the break seven years ago, after he attended a four-day, government-sponsored seminar on retirement that covered everything from investments and health care to how to spend your extra time. His wife, Melody Sands, expects to retire next year after 31 years as a federal-government employee. By then, their youngest son, Luc, will have graduated from college, and they'll be close to paying off their mortgage.
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Like many dual-career couples, Zeigler and Sands did not plan retirement as a simultaneous event. But she's eager to join him so they can travel and enjoy life without the daily grind. And with college bills behind them and two pensions, retiree health benefits, personal savings and a paid-off mortgage, they have a lot to look forward to. The federal government has been offering retirement-transition seminars to employees for years.
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Now, corporate America is waking up to the fact that as workers shoulder more of the burden of providing for retirement, they need more help figuring out how to do it. IBM, the venerable U. Times have changed, and so has Big Blue. In conjunction with its decision to freeze its traditional pension and cash-balance plans and move to a k -only strategy next year, IBM recently launched an innovative Money Smart educational program to help employees make the transition from work to retirement. The program offers comprehensive preretirement seminars, presented on site during business hours, that cover all the moving parts of a 21st-century retirement, including how to estimate future expenses and decide on an appropriate withdrawal strategy to make your savings last a lifetime.
Seminar leaders also discuss Social Security options and what to do about health coverage before Medicare kicks in at age Once the money is gone, retirees are on their own. He has logged 30 years with IBM, so he'll qualify for a full pension. And he and his wife, Elaine Case, 52, a global marketing executive with IBM, have contributed the maximum to their k plans every year since the plans became available. An engineer by training, Wiktor is big on planning. He has already taken advantage of IBM's offer of free, one-on-one advice sessions with Fidelity Investment counselors.
As a result, he has tweaked his investments to a slightly more conservative mix, now that he is three to seven years away from retiring. Workers nearing retirement face a conundrum. You need to keep a large portion of your investments in stocks so that your portfolio continues to grow and can support you for as long as 30 years. But you also need to scale back risk because a major market drop just before or during your early retirement years could devastate your nest egg once you start taking withdrawals.
Reducing your stock holdings and increasing your bond holdings will add stability to your portfolio, but your blended rate of return is likely to be lower. If you have a company pension or another source of guaranteed retirement income, you can afford to take more risk with your investments.
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Yoshikami says the biggest mistake many pre-retirees make is not knowing when they've reached the finish line. If you are in your final decade on the job, you may be closer to your financial target than you realize. To figure out how many years it will take to double your money, divide 72 by your rate of return.
The result -- in this case, nine -- is the number of years it will take your principal to double. He has a Master's Degree in psychology and counseling and a Ph.
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6 Retirement Books You Should Read Now
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