Moneysense: A Commonsense Road to Financial Security and Early Retirement

Book Description

Moneysense: A Commonsense Road to Financial Security and Early Retirement covers retirement planning from a unique perspective. Most retirement planning books provide the reader with information on how to invest money. This book also examines the investment issue, along with several other important variables related to daily living that have a direct impact on investment strategies. These variables are Lifestyles, Investing Money, Saving Money, Taxes, Expense Monitoring and Reduction, Debt Reduction. A person's ability to understand and control these variables will dictate the financial success of their retirement.

Customer Reviews:

Excellent Primer.......2004-08-16

This book is great, not only is it written in a very easy to
understand way but it comes with software. The software is easy
to use and has all the information discussed in the book
available in the softrware package. The software uses simple
excel spreadsheets to track your finances.

Book Description

After working hard to build your nest egg, you are finally making plans for your retirement years. But will you be free to make your own choices when those golden years finally arrive? Or will you fall victim to ruinously expensive involuntary conservatorship/guardianship proceedings and be stripped of your rights, your money, your independence -- for the rest of your life?

In an onimous trend that threatens America's successfully aging population, state judges are imposing an increasing number of unwanted conservators and guardians upon allegedly incompetent men and women to manage their property and personal affairs. The results are grim. In New York alone, judges appointed over 32,000 guardianships during 1997, up from 15,000 in 1992, and Michigan's guardianship petitions have more than quadrupled since 1981.

These little-known state laws were originally created to safeguard the rights of "infants and lunatics." Today, involuntary conservatorship and guardianship laws are being used by calculating heirs to seize control of their parents' assets and by protectors in the social welfare community to control the vulnerable elderly themselves. And who is "elderly"? To be declared incompetent on the basis of age you only have to be 62.

Drawing on sadly typical cases from courtrooms across America, Dr. Armstrong shows how competent elders can be victimized by arbitrary conservatorships and guardianships. She describes the historical roots of our codes and shows how they function in today's courts, highlighting concepts that are problematic and suggesting appropriate changes. Dr. Armstrong summarizes every state's conservatorship/guardianship statutes and provides contact numbers for national services, legal organizations, state offices of aging, and other resources for the elderly. Most importantly, her breakthrough book gives YOU the tools you will need to protect yourself or someone you love when your retirement years usher in the real threat of predatory litigation.

Customer Reviews:

Finally the real truth about this national disgrace!.......2004-08-27

This is a must read book about the truth of the rampant fraud and abuse of conservators and guardians. While this author writes about family members trying to get "Granny's dough", she does touch on another perverse type of guardian, that is a "court appointed" guardian. In Florida, and in many other states, they only require a high school education and a 40 hour course. But whether educated or not, from the lawyers/guardians in the recent New York case, to the high-school educated sociopaths here in Pinellas County, Florida, they are getting away with fraud and abuse.
To avoid a guardianship in the State of Florida should be of paramount importance. Find out how to protect yourself and your loved ones with alternatives: health care surrogate, durable power of attorney, mediation and more. Consider that if you leave your parents to fend for themselves, and ignore the deterioration associated with aging, a guardian can gain a guardianship over them and their assets, without informing you. That guardianship will nullify the most meticulous of plans. To really cover your aging parents, make sure they create a "Pre-need" guardianship and name someone they trust, this is the only way predators in the retirement homes will not be able to force guardianship on them. Also create an irrevocable trust.

An uncoventional but effective planning guide........2000-08-03

Retirement Nightmare isn't your typical retirement guide on how to save up enough money or make investments: its focus is on how to protect yourself from heirs, and chapters survey involuntary conservatorship and guardianships with an eye to revealing how incapacitated seniors fall victim to the statutes designed to help them in their old age. Advance planning is recommended as the key to avoiding situations such as the author's own experience and those described in courtroom cases.

Thankful for this work.......2000-06-21

Dr. Armstrong has produced a document vital to the safeguarding of personal dignity in today's world. In language accessible by anyone reading the book, she dissects complex legal matters and lays them out in plain view for all to understand. This book should be required reading for all people tasked with ensuring our personal rights within the framework of our various legal systems. It should also be recommended reading for anyone when the natural course of life puts them in a position of reliance on the ethics and goodwill of others...even those 'nearest and dearest' to them. When we are vulnerable... that's when we need help. This book gives us the ammunition to help ourselves. Everyone intends to survive the journey to the retirement years; this book exposes some of the ambushes that others have found there and lays out steps each of us should take to avoid those ambushes. As proof that fact can be scarier than fiction, this book will curl your hair quicker than anything King has ever put on paper.

An Invaluable Source.......2000-06-19

As a lawyer, I found this book to be a tour de force compendium of the guardian and conservatorship laws in our country. For both lay readers and lawyers, it is an invaluable reference tool - comprehensive and clearly written. Full of actual stories of actual individuals, it also makes for eye-opening human interest drama.

Be Informed...Be Prepared!.......2000-06-16

If you are elderly, or even think you may someday become so... then...you need to read this book and keep it close at hand as one of your most valuable reference sources. Dr Armstrong draws on her tragic family experiences with involuntary guardianship litigation and combines that with excellent and scholarly research, to produce a book containing historical background, the law, a broad range of case studies covering most aspects of the subject, and many answers/recommendations concerning this potential problem that we might all someday face. The appendices covering the various state laws and hundreds of resources for the elderly, are alone worth the cost of admission! I found the book to be alarmingly informative and I feel much more knowledgeable and secure now that it is sitting on my research shelf.

Training for Work in the Informal Micro-Enterprise Sector: Fresh Evidence from Sub-Sahara Africa (Technical and Vocational Education and Training: Issues, Concerns and Prospects)

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Training for Work in the Informal Micro-Enterprise Sector: Fresh Evidence from Sub-Sahara Africa (Technical and Vocational Education and Training: Issues, Concerns and Prospects)
Hans Christiaan Haan
Manufacturer: Springer
ProductGroup: Book
Binding: Hardcover

General | Popular Economics | Business & Investing | Subjects | Books

Retirement Planning | Personal Finance | Business & Investing | Subjects | Books

Vocational Guidance | Job Hunting & Careers | Business & Investing | Subjects | Books

High-Tech | Industries & Professions | Business & Investing | Subjects | Books

General | Education | Nonfiction | Subjects | Books

Pedagogy | Education | Nonfiction | Subjects | Books

General | Education | Professional & Technical | Subjects | Books

All Titles | Qualifying Textbooks - Fall 2007 | Stores | Books

Business & Investing | Qualifying Textbooks - Fall 2007 | Stores | Books

Nonfiction | Qualifying Textbooks - Fall 2007 | Stores | Books

Professional | Qualifying Textbooks - Fall 2007 | Stores | Books
ASIN: 1402038275

Book Description

In Sub-Sahara Africa, the sector of informal micro-enterprises (IMEs) is already employing a large share of the labour force in both urban and rural areas. This study reviews the ways in which the owners and workers of IMEs have acquired their vocational and management skills. It reviews the contributions of all the different training providers, including public sector training institutes, private sector training providers, and training centres run by NGOs and other non-profit organizations. The study finds that informal apprenticeship training is by far the most common source of various skills - in some countries it is likely to be responsible for 80-90% of all ongoing training efforts. Informal apprenticeship training presents a number of important advantages. At the same time it has a number of limitations. The study concludes that there is a major challenge to improve the transfer of relevant skills to IME operators, both through pre-employment training and skills upgrading. In view of the scope of the challenge to provide hundreds of thousands IME owners and workers, as well as large numbers of out of school youths with relevant practical and management skills, it suggests to build upon the strengths of the existing practices of informal apprenticeship training and to remedy its weaknesses by involving professional training providers in upgrading its training organization and delivery, quality and efficiency, and final training outcomes. It reviews the results of a number of innovative interventions in different African countries that are working in this direction. Finally, the study suggests that there is an interesting potential in ‘business-embedded training’ provided by private companies as part of their regular business operations.

Transitions from Work to Retirement: Developing a New Social Contract (Transitions After 50 Series)

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Transitions from Work to Retirement: Developing a New Social Contract (Transitions After 50 Series)
Chris Phillipson
Manufacturer: Policy Pr
ProductGroup: Book
Binding: Paperback

Workplace | Organizational Behavior | Business & Investing | Subjects | Books

General | Social Sciences | Nonfiction | Subjects | Books

Retirement Planning | Aging Parents | Parenting & Families | Subjects | Books
ASIN: 1861344570

How to Enjoy Your Retirement, Second Edition: Activities from A to Z (How to Enjoy Your Retirement)

Average customer rating:

Not the best resource.
Fun, quirky book
Excellent resource!
This book is a keeper!

How to Enjoy Your Retirement, Second Edition: Activities from A to Z (How to Enjoy Your Retirement)
Patricia Wagner
Manufacturer: Vanderwyk & Burnham
ProductGroup: Book
Binding: Paperback

General | Personal Finance | Business & Investing | Subjects | Books

Retirement Planning | Personal Finance | Business & Investing | Subjects | Books

General | Health, Mind & Body | Subjects | Books

Retirement Planning | Aging Parents | Parenting & Families | Subjects | Books
Similar Items:

101 Secrets for a Great Retirement : Practical, Inspirational, & Fun Ideas for the Best Years of Your Life!
The New Retirement: The Ultimate Guide to the Rest of Your Life
How to Retire Happy, Wild, and Free: Retirement Wisdom That You Won't Get from Your Financial Advisor
How to Love Your Retirement: Advice from Hundreds of Retirees (Hundreds of Heads Survival Guides)
What You Don't Know About Retirement: A Funny Retirement Quiz

Accessories:

Braun IRT 4020 ThermoScan Ear Thermometer
RESPeRATE Blood Pressure Lowering Device
Philips HeartStart Home Defibrillator (AED)

ASIN: 1889242160

Book Description

A book about retirement that leaves financial worries to other books and simply focuses on enjoyable ways to spend time.

Customer Reviews:

Not the best resource........2007-03-20

I did not find this to be very helpful in planning for my upcoming retirement. To be fair, I have looked at several retirement advice books and not found any to be of much help.

Fun, quirky book.......2007-03-03

Reviewed Kathleen Dowdell for Reader Views (2/07)

"How to Enjoy Your Retirement" is a provocative, well-written book about activities you can do to help you enjoy your retirement. This third edition, published in 2006, keeps pace with constantly changing information that is available at our fingertips. In the introduction, the authors advise taking a personal inventory of what you think you will need or desire in your retirement years. Appendix A contains questions such as: Who Are You?, What Do You Do Well?, Why Are You Retiring?, and How Do You Feel About Retirement? This is a useful tool to evaluate your situation since your life will be dramatically changed with an abundance of free time on your hands (unless you plan on babysitting for the grandchildren). If you do decide to spend lots of time with your grandchildren, Appendix B lists numerous activities that you can do with them. Appendices C through I are broken down into additional resources, activities, tips and suggestions that will aid in the transition into retirement. An appendix dedicated strictly to travel provides names, addresses, and phone numbers of airlines, car rental agencies, cruise lines, hotels, vacation homes, and state visitor bureaus as well as internet sites related to travel. There is a wealth of information in these sections alone.

The meat of the book is found in the list of activities alphabetically listed from A through Z which offers a wide variety of ways to spend free time in retirement. There are over 1000 ideas sure to spark the creative side of any brain. Topics such as Chatty Cathy - "get your Chatty Cathy doll fixed by e-mailing Chatty Cathy's Haven" and Seasonal Contests - "start seasonal contests for guessing when the first measurable snowfall will occur" or this is your life - "make a video for yourself or someone else" are sure to motivate anyone to action for activities and further research.

This is a fun, quirky book that can be used for the serious undertaking of searching for activities to do during retirement or as a book of light reading to pass the time. The book can be used as a resource to brighten your mood on a dreary day or to find further information on the web for a topic you wish to pursue. Authors Tricia Wagner and Barbara Day compiled the A to Z activities from ideas and experiences of friends, family, neighbors as well as themselves because they saw how individuals' perceptions of retirement have changed over the years. They felt a need to address the variety of feelings people approaching retirement experience and to share information to help with these ambivalent feelings. Their success is apparent in this 3rd edition. "How to Enjoy Your Retirement" book would make a nice gift for someone approaching retirement or for someone who has been retired for a few years and wants to add some excitement to life by pursuing new avenues and areas of activities.

Excellent resource!.......2002-07-04

Being newly retired at age 53,I figured I'd better find a way to keep out of trouble.This book is it! There are so many things,even little things,that I had not considered as part of my retirement activities. I have been engrossed in the book since it arrived,and as soon as I get organized,I will be off and running.I would recommend this jewel of a book to anyone who might need a little help getting used to a new life..retirement!!

This book is a keeper!.......2000-04-11

I borrowed this book from the library and liked it so much that I had to buy it. It has ideas, quotes, resource leads, and an index. This book will continue to serve throughout life.

Average customer rating:

Good approach to understanding the transition from work

From Work to Retirement
Marion E. Haynes
Manufacturer: Crisp Publications
ProductGroup: Book
Binding: Paperback

General | Job Hunting & Careers | Business & Investing | Subjects | Books

Financial Planning | Personal Finance | Business & Investing | Subjects | Books

General | Health, Mind & Body | Subjects | Books

RESPeRATE Blood Pressure Lowering Device
Philips HeartStart Home Defibrillator (AED)

ASIN: 1560521457

Book Description

Helps facilitate retirement transition by offering alternatives for fun, work, and education. Over 200 valuable resources provided.

Customer Reviews:

Good approach to understanding the transition from work.......1999-11-09

If you enjoyed and found this book useful, you might like "The Healing Journey Through Retirement" by Phil Rich, Dorothy Sampson, and Dale Fetherling. It provides important and useful information about the transition from work to retirement, and describes 5 transitional stages, and is helps people understand retirement through providing information and ideas, and a journal writing format.

Accommodating older workers' needs for flexible work options.(Reprint) : An article from: Ivey Business Journal Online

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Accommodating older workers' needs for flexible work options.(Reprint) : An article from: Ivey Business Journal Online
Kathleen Christensen , and Marcie-Pitt Catsouphes
Manufacturer: Thomson Gale
ProductGroup: Book
Binding: Digital

General | Business & Investing | Subjects | Books

Book Description

This digital document is an article from Ivey Business Journal Online, published by Thomson Gale on July 1, 2005. The length of the article is 2048 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

Citation Details
Title: Accommodating older workers' needs for flexible work options.(Reprint)
Author: Kathleen Christensen
Publication: Ivey Business Journal Online (Magazine/Journal)
Date: July 1, 2005
Publisher: Thomson Gale
Page: 1(4)

Article Type: Reprint

Distributed by Thomson Gale

"Active living": transforming the organization of retirement and housing in the U.S.: An article from: Journal of Sociology & Social Welfare

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"Active living": transforming the organization of retirement and housing in the U.S.: An article from: Journal of Sociology & Social Welfare
Paul C. Luken , and Suzanne Vaughan
Manufacturer: Western Michigan University, School of Social Work
ProductGroup: Book
Binding: Digital

Retirement Planning | Aging Parents | Parenting & Families | Subjects | Books

Health o Meter HDC100-01 "Grow with Me" Teddy Bear Scale for Babies and Toddlers

ASIN: B0009FKAII
Release Date: 2005-07-31

Book Description

This digital document is an article from Journal of Sociology & Social Welfare, published by Western Michigan University, School of Social Work on March 1, 2003. The length of the article is 5666 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

Citation Details
Title: "Active living": transforming the organization of retirement and housing in the U.S.
Author: Paul C. Luken
Publication: Journal of Sociology & Social Welfare (Refereed)
Date: March 1, 2003
Publisher: Western Michigan University, School of Social Work
Volume: 30 Issue: 1 Page: 145(25)

Distributed by Thomson Gale

After work ... then what? Small businesses offer competitive retirement packages.(Brief Article) : An article from: Hawaii Business

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After work ... then what? Small businesses offer competitive retirement packages.(Brief Article) : An article from: Hawaii Business
Linda Dela Cruz
Manufacturer: Hawaii Business Publishing Co.
ProductGroup: Book
Binding: Digital

General | Business & Investing | Subjects | Books

Management | Management & Leadership | Business & Investing | Subjects | Books

Book Description

This digital document is an article from Hawaii Business, published by Hawaii Business Publishing Co. on August 1, 2002. The length of the article is 515 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

Citation Details
Title: After work ... then what? Small businesses offer competitive retirement packages.(Brief Article)
Author: Linda Dela Cruz
Publication: Hawaii Business (Magazine/Journal)
Date: August 1, 2002
Publisher: Hawaii Business Publishing Co.
Volume: 48 Issue: 2 Page: S9(1)

Article Type: Brief Article

Distributed by Thomson Gale

Ageless aging: the next era of retirement; "Old age" and "retirement" must be rethought and redefined as the baby boomers surge through the later stages ... on aging.: An article from: The Futurist

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Ageless aging: the next era of retirement; "Old age" and "retirement" must be rethought and redefined as the baby boomers surge through the later stages ... on aging.: An article from: The Futurist
Ken Dychtwald
Manufacturer: World Future Society
ProductGroup: Book
Binding: Digital

General | Business & Investing | Subjects | Books

Age Power: How the 21st Century Will Be Ruled by the New Old
The Power Years: A User's Guide to the Rest of Your Life

ASIN: B000ALUNX8
Release Date: 2005-07-25

Book Description

This digital document is an article from The Futurist, published by World Future Society on July 1, 2005. The length of the article is 4513 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

Citation Details
Title: Ageless aging: the next era of retirement; "Old age" and "retirement" must be rethought and redefined as the baby boomers surge through the later stages of life, according to a renowned authority on aging.
Author: Ken Dychtwald
Publication: The Futurist (Magazine/Journal)
Date: July 1, 2005
Publisher: World Future Society
Volume: 39 Issue: 4 Page: 16(6)

Distributed by Thomson Gale

The Anatomy of Distributions from Qualified Retirement Plans & IRA'S

Average customer rating:

A Good Reference for a Difficult Subject
A Good Reference for a Difficult Subject
Accurate but technical

The Anatomy of Distributions from Qualified Retirement Plans & IRA'S
Fred N Cole
Manufacturer: F.N. Cole
ProductGroup: Book
Binding: Paperback

Financial Planning | Personal Finance | Business & Investing | Subjects | Books

General | Personal Finance | Business & Investing | Subjects | Books

Retirement Planning | Personal Finance | Business & Investing | Subjects | Books

General | Taxation | Law | Subjects | Books
ASIN: 1885640374

Book Description

The purpose of this article is topresent rules and regulations in effect as of this writing for making distributions from qualified retirement plans and IRAs in a concixe, organized and coherant format which may serve as a reference resource to all persons concerned with this subject. Be aware that Congress and the IRS have tinkered with these rules for the past twenty-five or more years and will in all likelihood continue to do so.

The presentation is mad in three parts: Part 1: contains anoverview of distribution taxation and details the rules pertaining to required mimimum distributions. Key elements of th Tax Payer Relief Act of 1997 affecting retirement and estate planning are presented;

Part 2: reviews the issues involved in preserving qualified plan and IRA funds in estate planning situations. Planning considerations are also presented;

Part 3: consists of case studies illustrating the results from various distribution options;ie, "running the numbers."

Customer Reviews:

A Good Reference for a Difficult Subject.......2000-07-06

As the previous review suggests, this book is not an easy read. Unfortunately, this is not the author's fault! The rules governing the distribution of retirement plan assets are extremely complex--and purposely so! The more complicated they are, the more likely the "average" joe will make a mistake and have to pay the Government more. But, it is an excellent resource for people trying to make sense of this complex subject. If you are a CPA or other advisor (like me!) trying to help a client, this is an excellent "library" book. If you are John Q. Public, looking for a place to start, this one might be a tough read, but will be well worth the effort.

A Good Reference for a Difficult Subject.......2000-07-06

As the previous review suggests, this book is not an easy read. Unfortunately, this is not the author's fault! The rules governing the distribution of retirement plan assets are extremely complex--and purposely so! The more complicated they are, the more likely the "average" joe will make a mistake and have to pay the Government more. But, it is an excellent resource for people trying to make sense of this complex subject. If you are a CPA or other advisor trying to help a client, this is an excellent "library" book.

Accurate but technical.......2000-03-17

This book is constructed in a way that is very similar to IRS and tax law documents. It does contain accurate and specific information about IRAs, but is not user-friendly. It is difficult to understand (not written for a lay-person) and constructed in an outline type format that is difficult to manuever. If you are looking for a book to help you with IRA withdrawal information, this one is not it.

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