Aquest lloc utilitza galetes per a oferir els nostres serveis, millorar el desenvolupament, per a anàlisis i (si no has iniciat la sessió) per a publicitat. Utilitzant LibraryThing acceptes que has llegit i entès els nostres Termes de servei i política de privacitat. L'ús que facis del lloc i dels seus serveis està subjecte a aquestes polítiques i termes.
Most people realize that the quality of life they want for their future depends on their contributions in the present. Most would probably agree that they want to retire with personal and financial peace of mind-without stress for either themselves or their families. The question you have to ask yourself, however, is will you have enough money to fund your desired lifestyle in retirement? And this is where it gets tricky, because there are so many variables to consider. And this is where The Complete Idiot's Guide to Retirementcomes to the rescue. It helps your to answer the required questions so that you set up a sound plan for retirement.… (més)
Informació del coneixement compartit en anglès.Modifica-la per localitzar-la a la teva llengua.
For Judy, Meghan, and Nathan, for patience and understanding above and beyond the call.
Primeres paraules
Informació del coneixement compartit en anglès.Modifica-la per localitzar-la a la teva llengua.
Retirement is on the way.
Citacions
Informació del coneixement compartit en anglès.Modifica-la per localitzar-la a la teva llengua.
There's no getting around it—if you opt to receive Social Security before you reach full retirement age, the amount of benefit you receive is permanently reduced. More specifically, the reduction translates to 5/9 of 1 percent for every month you retire early—6.67 percent for every year.
A complete life expectancy table can be found online at www.ssa.gov/OACT/STATS/table4c6.html.
To gauge this, look for the fund's tax-adjusted return. This lays out just how much a fund earns after taxes. Another gauge is a fund's tax efficiency ratio. This ratio is figured by dividing after-tax returns by pretax returns. The scale generally runs from 100, which represents the greatest tax efficiency, on down. A solid tax efficiency benchmark is 90 percent.
Twenty or more years to retirement. As a rule, this is when you can afford to be most aggressive. That means heavily weighted with stocks; go with the more aggressive stock funds we mentioned earlier in this chapter. You have the time to ride out corrections and open yourself up to significant long-term growth potential. At the least, consider a fund—or mix of funds—that's at least 80 percent stock heavy. Ten to 20 years to go. Here, you should be a bit less aggressive. Look for a mix of roughly 65 percent stocks, with the remaining 35 percent divvied between bonds and cash (say, 25 percent bonds, 10 percent cash). The thinking here is that you still want to be somewhat aggressive in terms of growth, but not so aggressive as a longer time frame might comfortably afford. Less than 10 years to go. Here, preservation of what you've accumulated is more important than growth. Look for 40 percent stocks, 40 percent bonds, and 20 percent cash.
These funds can be suited to someone on the verge of retiring—10 or so years off—who wants to play it safe but doesn't want to sacrifice all potential for growth.
go with any bond you may be considering that pays 5.3 or better.
—in reference to investing in municipal bonds
These offer an interesting twist so far as payback is concerned. They pay interest, but in a lump sum when the bond matures. The advantage to that is you can buy these bonds at a deep discount—50 to 80 percent of their face value, depending on how long a maturity date the bonds carry.
—in reference to investing in zero coupon bonds
Generally, a rating of Baa or better is "investment grade."
—in reference to bond ratings and bond types
Bonds may be predictable, but over time, they don't compare favorably with stocks. Since the 1920s, long-term government bonds have returned an average slightly in excess of 5 percent. Stocks have topped 10 percent.
When it comes to offsetting the effects of inflation, stocks have historically enjoyed more success than bonds.
For more information about TreasuryDirect, go to www.savingsbonds.gov.
Want to see how we as Americans spend our money? You can download the entire 2005 Consumer Expenditure Survey at www.bls.gov/cex.
The brokerage house T. Rowe Price provides an online calculator (www3.troweprice.com/ric/RIC) that lets you play with various scenarios to figure what sort of portfolio mix provides the return you'll need.
—to calculate how soon you would exhaust your savings
For help with the issue of debt, have a look at Consumer Credit Counseling Services at www.cccsintl.org.
For a chart listing all state sales tax rates with a partial breakdown by item, go to www.taxadmin.org/FTA/rate/sales.html.
Interested in how the states stack up with regard to overall tax burden? Go to www.taxfoundation.org/research/topic/9.html.
AARP provides a program called Tax-Aide—the nation's largest volunteer-run tax preparation and assistance service. Taking in some 32,000 volunteers, Tax-Aide provides free preparation and assistance to millions of low- and middle-income taxpayers. The program places particular emphasis on persons age 60 and older. More information is available at www.aarp.org/money/taxaide.
The Internal Revenue Service offers the Tax Counseling for the Elderly (TCE) Program. Like AARP's Tax-Aide, TCE offers free tax assistance to persons age 60 and up. For more information on TCE, call 1-800-829-1040. Additionally, the IRS provides a variety of publications geared specifically to the tax concerns of older Americans. A complete list is available at www.irs.gov/individuals/retirees/article/0,,id=120167,00.html.
http://taxes.about.com. This is a straightforward, helpful tax site. www.taxmama.com. Comprehensive and witty tax advice and discussion. http://articles.moneycentral.msn.com/taxes/home.aspx. This is MSN Money's Tax center. www.irs.gov/individuals/article/0,,id=109959,00.html. An interactive glossary of tax terminology. www.el.com/elinks/taxes. A terrific one-stop destination that provides links to a host of tax sites.
—in reference to tax-related websites and resources
If the facility is licensed by the state, ask if you can see the latest inspection report. If any issues or problems are identified, ask what they've done about them.
—in reference to retirement communities
♦ Long-term care insurance can also prove expensive. As a rule, don't consider it unless you have less than $200,000 or more than $1.5 million in assets.
♦ Don't consider long-term care coverage until you're 65 or so, except for people with chronic conditions.
♦ Shop for coverage carefully. Consider the financial strength of the insurer, any limitations the coverage may have, and whether you can genuinely afford it (premiums that are no greater than 5 to 6 percent of your income).
■ RetirementJobs.com (www.retirementjobs.com)—Provides job leaders for people 50 and older. Positions range from accounting to marketing sales jobs. ■ Jobs 4.0 (www.jobs4point0.com)—For job seekers 40 and older. ■ Senior Job Bank (www.seniorjobbank.org)—Geared specifically to job seekers 50 and up. ■ Retired Brains (www.retiredbrains.com)—A site suited to older boomers, seniors, and retirees. ■ Seniors4Hire (www.seniors4hire.com)—For job seekers 50 and over. ■ YourEncore (www.yourencore.com)—This site is designed to bring older scientists, engineers, and product developers together with interested technology companies and other concerns.
At many of these and other sites, not only can you sort through available job listings, you can also post a profile of yourself that prospective employers can access.
■ AARP National Employer Team (www.aarp.org/money/careers/findingajob/featuredemployers)—These employers have hooked up with AARP to actively seek out older workers with experience and leadership skills. ■ AARP Best Employers for Workers Over 50 (www.aarp.org/money/careers/employerresourcecenter/bestemployers)—This annual compilation lists the top 50 companies in the United States that, by their practices and policies, provide some of the best places for people aged 50 and up to work. ■ AARP Foundation Senior Community Service Employment Program (www.aarp.org/money/careers/findingajob/jobseekers/a2005-01-03-job_training_placement.html)—This program helps people with lower income with training and job placement.
For more information on senior cooperatives, including a list of senior cooperative properties throughout the country, go to www.seniorcoops.org.
For more information on senior cooperatives, including a list of senior cooperative properties throughout the country, go to www.seniorcoops.org.
For more information on cohousing, check out the Cohousing Association of America at www.cohousing.org.
For more information on shared housing, check out the National Shared Housing Resource Center at www.nationalsharedhousing.org.
Additional information on ECHO housing and other options can be found at www.seniorresource.com.
Informació del coneixement compartit en anglès.Modifica-la per localitzar-la a la teva llengua.
Living abroad is becoming more popular for retirees due to affordability, among other factors. But research any potential destination carefully to ensure that it fits you in other ways as well.
Most people realize that the quality of life they want for their future depends on their contributions in the present. Most would probably agree that they want to retire with personal and financial peace of mind-without stress for either themselves or their families. The question you have to ask yourself, however, is will you have enough money to fund your desired lifestyle in retirement? And this is where it gets tricky, because there are so many variables to consider. And this is where The Complete Idiot's Guide to Retirementcomes to the rescue. It helps your to answer the required questions so that you set up a sound plan for retirement.
Google Books — S'està carregant…
(4)
1