Two Piles of Money for Retirement and the Difference discusses the concepts of taxable versus tax-free money, the difference between Retirement Savings and Retirement Investments, and strategies you can use to have a safe retirement account.
401(k)-The Path to a Prosperous Retirement: Avoid the Traps. Find the Money. presents the fundamental information that will help individuals understand the various types of retirement accounts that take their category name-the 401(k)-from the Internal Revenue Service provision that authorizes them. Widely used by people who desire to prepare for their retirement years, the 401(k) can become, as the title suggests, "the path to a prosperous retirement." In this plainly worded guide, Vivian R. McDougle covers the topics one needs to understand both to "avoid the traps" and to "find the money." 401(k)-The Path to a Prosperous Retirement covers subjects like the workings of the stock market, the characteristics of a 401(k) account, the types of retirement accounts, the management of job changes, the workable retirement plan, and the best arrangements for getting the most out of one's accounts. If you know that you plan to retire, but have felt intimidated by the prospects of setting up a 401(k) and beginning a savings plan, then 401(k)-The Path to a Prosperous Retirement will give you just the right level of detail to get you started on the path to a retirement in which you have the funds to do what you plan for those years after your work is ended.
Rescuing Retirement offers a solution to one of America's biggest challenges--and a path to financial security for millions of retirees. Over the next two decades, almost 10,000 Americans will reach retirement age every single day. They deserve to live their older years in dignity. Instead, they will experience a dramatic drop in their standard of living. Our country is on a path that will lead to rates of impoverishment for senior citizens not seen since the Great Depression. The reality is America's retirement system is broken. Rescuing Retirement charts a visionary, bipartisan, and surprisingly simple way to solve this problem:
Upon college graduation Mary Jane Madison accepted a teaching position in Mayfair, Virginia, and ventured to the foothills of the Blue Ridge Mountains not so far from Shenandoah Valley in Western Virginia. It was a move born by a feature story in National Geographic accompanied with glossy photos that called to her.On a most uneventful day, she went picking berries for a recipe, and paused before a cave when she heard a dog crying inside the cave. She guessed the dog had either wandered in the cave and couldn't find its way out or was hurt in some fashion. With a little can of mace in her hand, she walked into the cave calling for the dog. Looking for a dog she was totally unprepared for what she encountered; something like a bear that was on her in a flash grabbing her with big hairy hands. It picked her off the ground in a bear hug, and it was then she remembered the mace, and shot the animal it in the eyes. What she thought to be a bear threw her down, and she started running down the road as the animal could be heard jumping in the lake in the cave. She made her way to the town square two miles away where she sat down on a park bench still holding her pail, wondering what she should do.
The Southwestern United States continues to attract retirees seeking a great place to retire. It is easy to understand why. Abundant sunshine, striking natural landscapes and a relaxed lifestyle are hallmarks of this part of the country. Unfortunately, many towns in the Southwest are expensive. Places such as Flagstaff, Arizona and Georgetown, Texas are often hailed as great places to retire, but they have living costs that are above the national average. Here, though, we have eighteen Southwestern towns that are worth considering for retirement. Each has living costs equal to or below the national average. Some of these towns are fairly well known, while others are still off the national radar. All of these places have safe neighborhoods, recreational and/or cultural amenities, a local or nearby public library, local or nearby accredited medical facilities and some sort of water conservation plan. Each also has a welcoming quality that makes it a desirable place to live. No one place is perfect, however, so we take a look at each town's drawbacks as well.