Social Security Programs and Retirement around the World: Fiscal Implications of Reform (National Bureau of Economic Research Conference Report)
September 28, 2008
Drawing on the work of an international group of noted economists, the editors argue that social security programs provide strong incentives for workers to leave the labor force by retiring and taking the benefits to which they are entitled. By penalizing work, social security systems magnify the increased financial burden caused by aging populations, thus contributing to the insolvency of the system. This book is a model of comparative analysis that evaluates the effects of illustrative policies for countries facing the impending rapid growth of social security benefits. Its insights will help inform one of the most pressing debates.
2000 Planning for Retirement Distributions: Tax, Financial, and Personal Aspects (With CD-ROM)
September 28, 2008
2000 Planning for Retirement Distributions: Tax, Financial, and Personal Aspects (With CD-ROM) In this bok you will learn how to lay out the context of the problem carefully; remain extremely sensitive to the emotions clients attach to their retirement assets; follow clients when they lead you off the track to other planning areas that concern them; lead clients to those other areas when they don’t make their own connections; and, master all the technical information to get clients through the retirement maze successfully.
When you master these steps, you will undoubtedly deepen the value clients perceive in your advice and expand your range of influence in their decision-making. The bottom line for advisors is that stepping up to this problem proactively and thoroughly will not only solve the problems but will make you the advisor the clients depend on first. That is the real intention of the book–not only to address the technical aspects of tax law and planning strategies but also to focus on how to communicate the full impact of the problem and the value of the solutions to the client.
Customer Review: 2000- Planning for Retirement Distributions
This is a great reference book for anyone who gives financial planning advice to clients. The authors detail the best ways in which to set up, and make changes to IRAs, in order to get the best result for the IRA owner and beneficiaries.
A lot of real world experience is evident from the author’s explanations of the methods recommended for use in dealing with individuals and families, and their retirement planning. Technical issues are dealt with comprehensively as well as the human element, which is often overlooked in a technical publication.
How IRA money is best used in estate planning is covered in detail. For estate planning the authors also give a very detailed explanation of how life insurance can be used to pay estate taxes, leaving the bulk of a large estate intact. The chapter goes into great detail about the life insurance industry, types of policies and the pros and cons of life insuranace illustations.
The Joy of Retirement: Finding Happiness, Freedom, and the Life You’ve Always Wanted
September 28, 2008
The Joy of Retirement: Finding Happiness, Freedom, and the Life You’ve Always Wanted
The IRA Explanation: A User’s Guide to the Individual Retirement Account
September 28, 2008
The IRA Explanation: A User’s Guide to the Individual Retirement Account
Retirement security for working Americans: Hearing before the Subcommittee on Employment, Safety, and Training of the Committee on Health, Education, Labor … February 21, 2002 (St. Paul, MN.) (S. hrg)
September 28, 2008
This is Not Your Parents’ Retirement: A Revolutionary Guide for a Revolutionary Generation
September 25, 2008
This is Not Your Parents’ Retirement: A Revolutionary Guide for a Revolutionary Generation
The world has changed. Shouldn’t your retirement strategy follow suit?
You’re destined for a longer, more active retirement than any generation before you – and you want the cash to do it in style. Forget nest eggs. There’s a revolution afoot in retirement planning, and expert Patrick Astre divulges the investment secrets that create multiple income streams for life.
This is more than a retirement book. Astre names names – the best mutual funds, stocks, bonds, insurance products, tax strategies and more! He becomes your personal financial advisor. Follow his advice and accumulate million to ensure your financial freedom.
Customer Review: Good view of the modern situation
I think he really means grand parents, not parents. Or, then again, what he is really referring to is perhaps only a dream of what should have been. At any rate, the old story is going to work for a giant company, working your entire life for that same company, married (forever, no divorcing), 2.4 kids, retiring at 65 and kicked the bucket five years later.
Instead, my parents worked for the same company for 30 years, the company got sold, both companies had too many people and my father was out of a job in his late fifties. His company retirement plan was out the window. You had best plan for a life with some ups and downs like this. And Mr. Astre does an excellent job of presenting you with the options that exist in today’s world. He talks about all the different kinds of investing, the implications of the IRS being your partner for life, basically he covers the classical approach to financial planning the will work for some people.
I particularly like his twelve ‘Prosperity Points.” These are things like protecting yourself from Lawsuits, Audit-Proofing your Tax Return. My only complaint would be that it doesn’t go quite far enough. He needs a few more points. I’d suggest:
13. Divorce - If you’re male, your savings, retirement, etc. get wiped out. If you’re female, you don’t get anything. Sound stupid, go talk to ten divoced people.
14. You plan to spend your retirement driving around the country in your motor home. Today oil is $67 a barrel. Suppose it goes to $200 and fuel is $10 a gallon, do you still like that motor home?
15. Retirement is fun. Nursing homes for the last few weeks/months/years are not, and they are very expensive.
16. Can you retire? I can’t. I started my own business and work 50-60 hours a week, but then take off 3-4 months a year. I haven’t touched savings.
Grangaard Strategy: Invest Right During Retirement
September 25, 2008
Grangaard Strategy: Invest Right During Retirement The Grangaard Strategy equips retirees-and those contemplating retirement-with 12 powerful principles for managing assets during every phase of retirement, including the crucial pre-retirement years.
Based on a groundbreaking new asset management theory presented by renowned financial educator Paul Grangaard, this book explains how to maintain inflation-proof income throughout retirement, without significantly depleting retirement assets. Readers will learn to:
? Replace paychecks with retirement Income Ladders
? Calculate how much they can afford to put into higher-return stock market investments
? Avoid the worst advice in the financial markets
? Understand compounding, investment returns, and holding periods
? Take advantage of tax-deferral and protect retirement income against inflation
? Prepare a flexible plan for dealing with the unexpected
? Confidently choose the best financial advisor
Customer Review: Informercial in book form and not much else
Buy this book to see how someone can effectively mount a very good marketing program. But don’t expect to find anything other than platitudes when it comes to financial planning. The material is quite elementary.
I’m guessing somewhat here but I’ll bet that Mr. Grangaard’s approach to building his business includes:
- Go onto TV and sell his book.
- Load the book review input with 5 stars.
- Get the book buyers to sign up for Grangaard trained financial planners.
- Sell the poor saps that to go these planners Grangaard sponsored products.
Don’t waste you money or your time on this.
Customer Review: Forget it !
This book not only is worthless but actually it is risky ,to say the least;if you follow the recommendations of the author.
It reminds me of that famous book in the 80’s “No Money Down”,that made people (naive people) believe that not only could you buy real state with no money down and no credit ,but that actually you could walk away with money in your pocket!!!
Anyhow,I read at least 1 or 2 books a month on investment as well as on retirement;this book only enphasizes that you have to get a financial planner to “survive” ;obviously, the guy is a CPA himself,other than that,it is plain rubbish.There are tons of better and more informative books out there.
Estate & Retirement Planning Answer Book, 2006 Edition
September 25, 2008
Estate & Retirement Planning Answer Book, 2006 Edition Estate and Retirement Planning Answer Book (2006 Edition) provides quick and authoritative answers to help the estate planning professional decide how to integrate the receipt of retirement plan distributions with clients’ estate plans, how to choose and design the type of retirement plan that best suits the client’s needs, and how to comply with the growing number of federal requirements and tax rules that apply to these plans. Discussion includes such topics as the final minimum distribution rules for individual retirement accounts, qualified plan distributions, usage of insurance as a qualified plan asset, and changes in the law to reflect the latest legislation. In addition, coverage includes numerous examples that illustrate specific applications and situations as well as practice pointers that highlight recent interpretations of IRS regulations and provide cautions concerning common pitfalls. Highlights of 2006 Edition include: · An expanded discussion of the effects of divorce on the division of pension plan assets.
· An expanded discussion of gift splitting.
· New questions taking into account the new Section 401(k) plan regulations.
· Information regarding the latest Department of Labor guidance on the location of missing plan participants.
· Discussion of new Code Section 409A and its effect on non-qualified deferred compensation plans.
· Expanded discussion of living wills and medical durable powers of attorney.
· An appendix listing by name the major laws effecting employee benefits and their bill numbers.
Georgia retirement systems: How they compare, 1994
September 25, 2008
Georgia retirement systems: How they compare, 1994
The Tools & Techniques of Employee Benefit and Retirement Planning (Tools and Techniques of Employee Benefit and Retirement Planning)
September 25, 2008
The Tools & Techniques of Employee Benefit and Retirement Planning (Tools and Techniques of Employee Benefit and Retirement Planning) Customer Review: Worse than the Worst PowerPoint Presentation
If ever you’ve sat through a presentation in which the speaker followed a PowerPoint template and asked yourself, “Could anything be worse than this?”, this book is the answer and the answer is “Yes, much worse!”
Stephan Leimberg may know something about employee-benefit and retirement planning but his writing skills might best be used to torture prisoners at Abu Ghraib.
For chapter after chapter, he follows the same deadly template: “What is it?, When is it indicated?, Advantage, Disadvantages, Design Features.” For paragraph after paragraph, he follows the same hackneyed formula: Bland, meaningless string- I can’t say sentence; so I have to resort to computer language to describe the assemblages of words he puts between periods- followed by another string that begins with “however”, “although”, or “but.” Apparently he didn’t write this book; he word processed it. Having conjured up an incoherent notion, he characteristically begins the next sentence with something along the lines of “This can often….” What the “this” refers to, not even he could figure out. As if all these travesties were not awful enough, he greatly prefers the passive over the active voice.
Besides being useful in the war on terror, the book might serve well for beginning courses on “How to Edit Pitiful Writing.” Almost every sentence contains at least one example of how not to write.
Well, now I’ve told the truth and feel guilty for trashing the book and its author. Is there something nice I can say about Stephan Leimberg? The nicest thing I can think of to say is this: Maybe he didn’t actually write the book.
Customer Review: Not for average consumer
I do not recommend this book as a main source of information for the average reader. It is informational, but probably incomplete and not useful in deciding which plan to implement. It is used as a supplement (not even the main textbook) in an advanced Certified Financial Planning (CFP) course. Students in this course already have proven knowledge of key concepts regarding taxes, investments, risk management-insurance, etc. This is tough education/training that is being undertaken by people who’s main job is (will be) to advise on these subjects.
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