About this product: -- How would you spend an extra $4,000 a year for the next twenty-five years?
-- How much more secure would your retirement be with an extra $100,000 or more?
-- How much more time could you spend at your family dinner table if you could work an hour less each day?
-- What would you do in retirement if you could retire three years earlier?
Your 401(k) plan is probably one of your most important future sources of financial security. This book makes it easy for you to take the five steps needed to add more than $100,000 to your retirement nest egg without taking more risk or saving more money. This can allow you to improve your lifestyle, increase your benefits, identify the hidden costs and also improve your standing within your company by proactively helping your employer to take needed action.
About this product: Corporate pensions are disappearing. Social Security is in trouble. And the sizable postwar generation is reaching retirement age. With the futures of millions of Americans at stake, Ed Slott, the country’s foremost retirement planning adviser, now offers expert advice on weathering the perfect storm of financial instability that looms on the horizon. Your Complete Retirement Planning Road Map provides clear step-by-step directions through the highways and byways of IRAs, 401(k)s, 403(b)s, and other major accounts.
In five focused sections, Slott combines crucial facts with checklists and questionnaires to teach investors and beneficiaries alike the best way to save and to maximize an inheritance. Inside you’ll discover
• an overview of every retirement savings account you own–from what it is and where it is to who gets it and how, plus where to put important data • how to properly fill out retirement account beneficiary forms so that money goes to whomever you choose and not to relatives who pop up out of nowhere • what to do when you inherit so that you won’t lose any tax benefits or make a mistake that could wipe out an inherited fortune that took years to build up • how to handle out-of-the-box issues such as divorce or incapacity; tax issues for unmarried partners; decisions about trusts • how to determine whether your professional retirement adviser is really up to the task of preserving and protecting your money • the most up-to-date information on tax laws, including the Pension Protection Act, which provides major new retirement incentives that you can take advantage of
Your Complete Retirement Planning Road Map is an indispensable planning solution that is sure to become the standard how-to on a complex subject that is becoming relevant to more people every day.
“IRA savant Ed Slott [helps] you make the most of your retirement earnings or inherited account.” –USA Today
“Ed Slott knows more about the care and feeding of IRAs than anybody else.” –Newsday
About this product: WHAT COLOR IS YOUR PARACHUTE? is still the best-selling job-hunting book in the world. A favorite of job hunters and career changers for more than three decades, it continues to be a mainstay on best-seller lists, from Amazon.com to Business Week to the New York Times, where it has spent more than six years, and has been translated into 12 languages. The 2008 edition is an even more useful book, with its updated, inspiring, and detailed plan for changing readers' lives. With new examples, instructions, and cautionary advice, PARACHUTE is, to quote Fortune magazine, "the gold standard of career guides."
About this product: The premier guide for retirement and investment planning by Americas IRA Expert (Mutual Funds magazine)fully updated to reflect the recent tax rule changes
With the possible e xception of home property, the most valuable asset for most Americans is their retirement fund. Yet most people dont know that the IRS is waiting to grab up to 90 percent of their hard-earned retirement savings. Now, in this fully updated edition of The Retirement Savings Time Bomb, renowned tax advisor Ed Slott explains in clear-cut laymans terms what people need to know to keep their money and pass it on to their families.
About this product: The guide readers need to retire richerfrom the international bestselling author of The Smartest Investment Book Youll Ever Read.
In this New York Times bestselling guide, author Daniel R. Solin takes issue with the commonly held belief that participating in defined contribution retirement plans is a no-brainer because of the employer match.
While providing readers with comprehensive, accessible information on the most common deferred compensation plans, annuities, and other retirement-based investments, he shows the 70 million participants currently in those plans how to create the best portfolio with often limited options.
In his straight-forward, no-nonsense style, Solin offers the new rules for investing for retirement and shows readers how to quickly and simply determine their own needs, get control of their assets, avoid scams and sucker bets, discover untapped resources at retirement, and eventually get income out of tax deferred plansthe smart way.
About this product: In The Four Agreements, don Miguel Ruiz reveals the source of self-limiting agreements that rob people of joy and create needless suffering. Based on ancient Toltec wisdom, the Four Agreements offer a powerful code of conduct that can rapidly transform anyone's life to a new experience of freedom, true happiness, and love. These agreements are deceptively simple: Be impeccable with your word (speak with integrity; say only what you mean); Don't take anything personally (nothing others do is because of you); Don't make assumptions (find the courage to ask questions and express what you really want); Always do your best (and you will avoid self-judgment, self-abuse, and regret). Peter Coyote's resonant reading emphasizes the power in these remarkable tenets.
About this product: It's the phenomenon: 1,000 Places to See Before You Die has 2.2 million copies in print and has spent 144 weeks and counting on The New York Times bestseller list.
Now, shipping in time for the tens of millions of travelers heading out for summer trips, comes 1,000 Places to See in the U.S.A. & Canada Before You Die. Sail the Maine Windjammers out of Camden. Explore the gold-mining trails in Alaska's Denali wilderness. Collect exotic shells on the beaches of Captiva. Take a barbecue tour of Kansas City—from Arthur Bryant's to Gates to B.B.'s Lawnside to Danny Edward's to LC's to Snead's. There's the ice hotel in Quebec, the Great Stalacpipe Organ in Virginia, cowboy poetry readings, what to do in Louisville after the Derby's over, and for every city, dozens of unexpected suggestions and essential destinations.
The book is organized by region, and subject-specific indices in the back sort the book by interest—wilderness, great dining, best beaches, world-class museums, sports and adventures, road trips, and more. There's also an index that breaks out the best destinations for families with children. Following each entry is the nuts and bolts: addresses, websites, phone numbers, costs, best times to visit.
About this product: Anna Karenina tells of the doomed love affair between the sensuous and rebellious Anna and the dashing officer, Count Vronsky. Tragedy unfolds as Anna rejects her passionless marriage and must endure the hypocrisies of society. Set against a vast and richly textured canvas of nineteenth-century Russia, the novel's seven major characters create a dynamic imbalance, playing out the contrasts of city and country life and all the variations on love and family happiness. While previous versions have softened the robust, and sometimes shocking, quality of Tolstoy's writing, Pevear and Volokhonsky have produced a translation true to his powerful voice. This award-winning team's authoritative edition also includes an illuminating introduction and explanatory notes. Beautiful, vigorous, and eminently readable, this Anna Karenina will be the definitive text for generations to come.
About this product: America's No. 1 estate planning book with interactive CD-ROM software helps you create a will, living trust, living will -- and much more .
Help protect your family and your assets, and save on legal fees! Quicken WillMaker Plus Estate Planning Essential 2008 Edition provides the legal forms you need. So comprehensive, the CD-ROM assembles your forms from among 40,000 document possibilities -- but so easy to use, you'll have them finished in minutes.
Quicken WillMaker Plus Estate Planning Essential 2008 Edition includes a full "health care power of attorney." Dictate the health care you wish to receive if you can't speak for yourself, and be assured that your loved ones won't have to second-guess themselves!
Create your own:
Will
Living Trusts, including an AB Trust
Health Care Directive: Living Will Health Care Power of Attorney
Financial Powers of Attorney
Final arrangements document
Important documents for executors
The CD-ROM also provides forms you can use every day, such as authorizations and agreements, child and elder care forms, promissory notes and documents to help you repair your credit.
For each document, Quicken WillMaker Plus Estate Planning Essentials 2008 Edition takes you through a step-by-step interview. Your documents will automatically reflect the laws of your state. If you have any questions, simply check out the comprehensive onscreen legal manual. Expert tech support is also available.
Need to know more? Here are in-depth details about what you can do with Quicken WillMaker Plus Estate Planning Essentials 2008 Edition:
Your Will
Provide for family, friends and charities. Name a personal guardian to care for young children. Specify the executor (or "personal representative") of your estate. Select a trusted person to manage property left to young people. Revise and update your will whenever you like.
Your Living Trust
Make a basic trust, whether you're married or single. If married, you can create a AB trust (or bypass trust) and spare your heirs from potentially heavy estate taxes. Create subtrusts for minor children and young adults. Name custodians for property left to children. Change or revoke your trust at any time.
Your Health Care Directive lets people who care for you make important decisions about your life and health when you can't. Create a:
Health Care Power of Attorney Permit a loved one to make important medical decisions for you if you are unable to do so yourself.
Living Will
Specify whether you want your life prolonged through artificial means. Appoint someone to make sure your wishes are carried out.
Your Financial Power of Attorney
Name someone to make your financial decisions, in case you are medically incapacitated. Don't worry, you can grant as much authority as you wish.
Your Final Arrangements
Plan a funeral or other ceremony. Clarify whether you want a cremation or burial. Select someone to oversee your final arrangements -- and more!
Documents for Your Executor
Make sure your executor ("personal representative" in some states) has all the forms and instructions he or she needs to do the job: Checklists, letters, notices, claim forms -- and more.
Personal Finance Documents
Over a dozen forms that let you handle financial situations you might face on any given day, such as disputing a credit card charge, lending or borrowing money to friends or family, creating bills of sale -- and more!
Home & Family Documents
Whether you need to authorize someone to travel with your child to another country, want to lend your car to a friend, or create an agreement with a trusted person to take care of your elderly parent, Quicken WillMaker Plus can handle all these family situations -- and many more!
About this product: The bestselling author of Pioneering Portfolio Management, the definitive template for institutional fund management, returns with a book that shows individual investors how to manage their financial assets.
In Unconventional Success, investment legend David F. Swensen offers incontrovertible evidence that the for-profit mutual-fund industry consistently fails the average investor. From excessive management fees to the frequent "churning" of portfolios, the relentless pursuit of profits by mutual-fund management companies harms individual clients. Perhaps most destructive of all are the hidden schemes that limit investor choice and reduce returns, including "pay-to-play" product-placement fees, stale-price trading scams, soft-dollar kickbacks, and 12b-1 distribution charges.
Even if investors manage to emerge unscathed from an encounter with the profit-seeking mutual-fund industry, individuals face the likelihood of self-inflicted pain. The common practice of selling losers and buying winners (and doing both too often) damages portfolio returns and increases tax liabilities, delivering a one-two punch to investor aspirations.
In short: Nearly insurmountable hurdles confront ordinary investors.
Swensen's solution? A contrarian investment alternative that promotes well-diversified, equity-oriented, "market-mimicking" portfolios that reward investors who exhibit the courage to stay the course. Swensen suggests implementing his nonconformist proposal with investor-friendly, not-for-profit investment companies such as Vanguard and TIAA-CREF. By avoiding actively managed funds and employing client-oriented mutual-fund managers, investors create the preconditions for investment success.
Bottom line? Unconventional Success provides the guidance and financial know-how for improving the personal investor's financial future.
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