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:
"We cursed the little dark green, high-wing aeroplanes. We knew that one of them in the area would precede a barrage and we tried our hardest to shoot them down. We dreaded those little observation aeroplanes- they were the angels of death to us." -Captured German Officer, 10th SS Panzer, after Falaise. The average pilot, despite sometimes having a swaggering exterior, is entirely capable of such feelings as love, affection, intimacy and caring. However, these feelings rarely involve anyone else.
Financially speaking, life is a football game and you are the quarterback. You and your team have moved the ball all the way from your own end zone to the 10 yard line on the opposite end of the field. The twin uprights of the goalpost are right in front of you. The score is close. You must score a touchdown and an extra point to win the game. The clock is a big factor. Call the wrong play here and you could lose the ball. At the beginning of the game, time was unimportant because you had plenty of it. Now, however, every second counts. What do you do? Run? Pass? It's a big decision. The coach calls timeout and you jog with your teammates to the sideline. Coach is a veteran of many such games and has seen this same situation many times before. Fortunately, he has a game-winning strategy. It fits the situation perfectly. Now you are confident you can win the game. Successful retirement is no game, but it does require strategy. And, like many game situations, a wrong call at the wrong time can end in financial disaster. The right call can provide decades of worry-free retirement. If you are near your retirement "end zone," you have worked hard, saved diligently and invested with care. Soon, you will move from the workaday world to enjoying the fruits of your labor, living life on your own terms at last - IF, that is, you don't fumble the ball. You can call your own plays, or YOU CAN READ THIS BOOK AND SEE WHAT AN EXPERIENCED RETIREMENT COACH HAS TO SAY!