We all know the scene: Dorothy is transported from the flat terrain of Kansas to the bizarre land of Oz. Her cry, "Toto, I don't think we're in Kansas anymore," may be the best line to describe how people feel about the retirement landscape. It’s one teeming with challenges, from the impact of corporate downsizing on individuals to battered 401(k)s, precarious Social Security, and cuts in pensions and health care benefits for retirees. Many people are intimidated and delay thinking about retirement. That’s a mistake.
We're Not in Kansas Anymore is the only guide you need to learn how to deal with the Oz-like reality that is retirement planning today. Walter Updegrave shows how to cut through the clutter, assess your finances, and become your own personal pension manager.
• Get real about retirement. Neither your employer nor the government will adequately feather your retirement nest. You're on your own. Only you can take action and responsibility for your life after work. Walter Updegrave shows how to start now.
• Develop a simple, direct, empowering retirement plan. Cut through the alphanumeric soup of 401(k)s, IRAs, Keoghs, and SEPs, get a grip, and execute a personal plan that makes sense given your circumstances.
• Create a realistic investing strategy and get the most out of your 401(k) and other retirement accounts.
• Ensure that your money lasts a lifetime.
The Tin Man wanted to experience life with passion and emotion. Likewise, you'll improve your chances of creating the kind of retirement you want if you bring some passion and emotion into your retirement plan and then save enough to make it a reality. The Scarecrow thought his life would be better if he "only had a brain." It was the Scarecrow, however, who came up with the best ideas to get Dorothy out of her jams. Similarly, Updegrave shows that any reasonably intelligent person can execute a successful retirement plan and, like the Cowardly Lion, show some courage by having the discipline, willpower, and conviction to follow it through.
We're Not in Kansas Anymore is the best, most thorough, and most empowering retirement guide in print today. Don't leave Kansas--or anywhere else for that matter--without it.
From the Hardcover edition.
But in a time when the socks have been knocked off Wall Street, when the world's economy is taking a shocking battering, and when everybody seems to have a horror story about a neighbor or a friend, it's easy to start wondering if your savings will still be there when you need them.
Yes, you could spend hours combing magazines and websites, looking for advice that suits your situation. But what you need right now is trustworthy information, all in one place. And you need it to be short, easy to read, and free of all that banker jargon.
IF YOU WANT TO BE SURE YOUR MONEY STAYS SAFE...
...then rely on this all-new book from acclaimed financial author Peter Passell, Where to Put Your Money NOW. In this down-to-earth guide, you will discover:
• Whether you really need to pay to have someone manage your money
• Specific lists of funds and accounts you can trust
• Reliable websites where you can learn more
• A complete index to all the savings options in the book
Money courses through just about every corner of our lives and has an impact on the way we live today and how we’ll be able to live in the future. Understanding your money, and getting it to work for you, has never been more important than it is today, as more and more of us are called upon to manage every aspect of our financial lives, from managing day-to-day living expenses to planning a college savings fund and, ultimately, retirement. From The Wall Street Journal, the most trusted name in financial and money matters, this indispensable book takes the mystery out of personal finance. Start with the basics, learn how they work, and you’ll become a better steward of your own money, today and in the future. Consider The Wall Street Journal Complete Personal Finance Guidebook your cheat sheet to the finances of your life. This book will help you:
• Understand the nuts and bolts of managing your money: banking, investing, borrowing, insurance, credit cards, taxes, and more
• Establish realistic budgets and savings plans
• Develop an investment strategy that makes sense for you
• Make the right financial decisions about real estate
• Plan for retirement intelligently
Also available—the companion to this guidebook: The Wall Street Journal Personal Finance Workbook, by Jeff D. Opdyke
Get your financial life in order with help from The Wall Street Journal. Look for:
• The Wall Street Journal Complete Money and Investing Guidebook
• The Wall Street Journal Complete Identity Theft Guidebook
• The Wall Street Journal Complete Real Estate Investing Guidebook
From the Trade Paperback edition.
In the same upbeat, user-friendly style that made Charles Schwab's Guide to Financial Independence a bestseller, You're Fifty- Now What? offers a mix of clear and workable advice, simple worksheets, and a healthy dose of encouragement. In addition to learning how to accumulate and grow their money, readers will even find help with estate planning and charitable giving.
His message is that the goal is not just financial security, but financial peace of mind. The way to get there is not by being a spectator, but a participant. It doesn't take special talent or advanced degrees; it just takes attention and a little time. With baby-boomers living longer and spending more time in retirement, the need is clear. Charles Schwab's You're Fifty- Now What? is the perfect place to get started.
IF YOU ARE IN YOUR 20s OR 30s: Your Money Ratios will tell you how to get started and what you need to do over the next 35 years to stay on track. If you are lucky enough to read this book when you are young, you will have a clear vision for where you need to go throughout your working career. By setting yourself on the right path, you won’t have to work so hard later in life to meet your goals.
IF YOU ARE IN YOUR 40s: You can benchmark your own financial circumstances against the ratios and see how you are doing with respect to your savings, debt, investments and insurance. You have plenty of time to make adjustments if necessary and plot out your path to retirement.
IF YOU ARE IN YOUR 50s: The formula will provide you with a realistic assessment of your ability to retire. It will help you make the important decisions about how to allocate your financial resources over the next 10 to 15 years, and how to put on the final push for retirement.
You don’t need to be an expert analyst, a star stock-picker, or a rocket scientist to have better investment results than most other investors. You just need to allocate your assets in the right way, and have the conviction to stick with that allocation.
The big secret behind asset allocation — the secret that most sophisticated investors know and use to their benefit — is that it’s really not all that hard to do.
Asset Allocation For Dummies serves as a comprehensive guide to maximizing returns and minimizing risk — while managing taxes, fees and other costs — in putting together a portfolio to reflect your unique financial goals.
Jerry A. Miccolis (Basking Ridge, NJ), CFA®, CFP®, FCAS, MAAA is a widely quoted expert commentator who has been interviewed in The New York Times and the Wall Street Journal, and appeared on CBS Radio and ABC-TV. He is a senior financial advisor and co-owner of Brinton Eaton Wealth Advisors (www.brintoneaton.com), a fee-only investment management, tax advisory and financial planning firm in Madison, N.J. Dorianne R. Perrucci (Scotch Plains, NJ) is a freelance writer who has been published in The New York Times, Newsweek, and TheStreet.com, and has collaborated on several financial books, including I.O.U.S.A, One Nation, Under Stress, In Debt (Wiley, 2008).
A lot has changed since Investing from Scratch first appeared, and this revised edition takes it all into account for those in their 20s and 30s who are hoping to invest their way to wealth. In a straightforward style backed by useful charts and graphs, finance expert James Lowell makes it clear that you don’t need to be rich to become that way in the market. Readers will learn how to:
• create a budget they can live and invest with
• select the most appropriate investments
• design a mutual fund portfolio, and much more
With easy-to-understand definitions of essential terms, up-to-date post–“Internet bubble” strategies, and fully revised charts and graphs, Investing from Scratch is an invaluable resource for future investors.
Do your kids understand your money values?
Do you and your mate agree on how you spend and invest your money?
Do you know if your parents are financially secure?
These are the questions that Carrie Schwab-Pomerantz and her father, Charles Schwab, ask at the beginning of this invaluable family financial primer. The authors acknowledge that these are difficult questions but stress that families must grapple with them and come up with answers.
Despite the proliferation of the financial news media, money remains a taboo subject in most families. Often the mere thought of talking about money with a family member causes enormous personal stress and confusion. But it doesn’t have to be that way. The goal of this father-daughter collaboration is to bring solid financial advice into the context of family, where it can be explored, understood, and implemented to the benefit of everyone.
The first essential thing that must happen is conversation, and It Pays to Talk is filled with advice about how to start talking. The authors are both working parents with a combined sixty-five years of knowledge and experience in the investment field. In this book they present a road map that every family can follow as they develop and implement an investment strategy and money-management plan.
They begin by covering the fundamental principles that every investor needs to understand in order to succeed for the long term, and then they move on to cover joining forces in marriage; building your family’s wealth regardless of market conditions; investing for your children’s future and raising money-savvy kids; retirement planning; estate planning for you and your parents; and dealing with the unexpected—insurance, divorce, and investing a windfall. Throughout the book, the authors offer advice about how to start the often difficult conversations that lead to smart decision-making, as well as how to talk gently, intelligently, and respectfully about the many issues that define and shape our attitudes about money.
It does pay to talk. This valuable and expert book will get you started and help you at every stage of your family’s investment career.
From the Hardcover edition.
A Family's Guide to the Military For Dummies is for the millions of military dependents, family members, and friends who are looking for straightforward guidance to take advantage of the benefits and overcome the challenges unique to life in the military. This comprehensive guide covers such key topics as introducing military life to readers new to the armed forces, financial planning, relocation, deployment, raising kids alone while a partner is away, and taking advantage of the available benefits. It offers tips and advice for dealing with emotions that surround events like deployments, deciphering the acronyms used in daily military life, forming support groups, keeping track of a loved one's whereabouts, and surviving on a military base in a foreign country.