Making Social Security Work for You

Making Social Security Work for You
Author by: Emily Guy Birken
Release: 2016-06-04
Editor: Simon and Schuster
Pages: 256
ISBN: 9781440593383
Language: un
Available :

SUMMARY:

Featured in The Washington Post An up-to-date guide to getting the most out of Social Security under the new regulations that took effect on April 29, 2016. Despite reports of Social Security's impending bankruptcy, Social Security remains an important part of most Americans' retirement plans. But will it be enough? Making Social Security Work for You teaches you what you need to know about Social Security retirement benefits and the options you can choose to help meet your retirement goals. In straightforward, easy-to-understand language, this compact guide provides advice on the advantages and disadvantages of delaying benefits as well as the best ways to maximize your benefits depending on your financial or marital situation. Featuring a glossary of terms to help you better understand Social Security jargon; a full explanation on how the system works under the new regulations that took effect on April 29, 2016; and practical, actionable advice on how and when to save additional retirement funds, this book shows you how to make your retirement the best it can possibly be. "Guy Birken brings her breezy style to explaining a system that can be mind-numbing." --The Washington Post

Get What s Yours

Get What s Yours
Author by: Laurence J. Kotlikoff,Philip Moeller,Paul Solman
Release: 2015-02-17
Editor: Simon and Schuster
Pages: 336
ISBN: 9781476772295
Language: en
Available :

SUMMARY:

Helps those nearing retirement make the best decisions about their Social Security benefits by detailing techniques and options like “file and suspend” and “start stop start” to maximize their benefit income for a variety of different life situations.

The 5 Years Before You Retire Updated Edition

The 5 Years Before You Retire  Updated Edition
Author by: Emily Guy Birken
Release: 2021-05-11
Editor: Simon and Schuster
Pages: 240
ISBN: 9781507213605
Language: un
Available :

SUMMARY:

Learn everything you need to do in the next five years to create a realistic plan for your retirement with clear, practical advice that is sure to set your future up for success. Most people don’t realize they haven’t saved enough for their retirement until their sixties and by then, it’s often too late to save enough for a comfortable retirement. The 5 Years Before You Retire has helped thousands of people prepare for retirement—even if they waited until the last minute. In this new and updated edition, you’ll find out everything you need to do in the next five years to maximize your current savings and create a realistic plan for your future. Including recent changes in financial planning, taxes, Social Security, healthcare, insurance, and more, this book is the all-inclusive guide to each financial, medial, and familial decision. From taking advantage of the employer match your company offers for your 401k to enrolling in Medicare to discussing housing options with your family, you are completely covered on every aspect of retirement planning. These straightforward strategies explain in detail how you can make the most of your last few years in the workforce and prepare for the future you’ve always wanted. Whether you just started devising a plan or have been saving since your first job, The 5 Years Before You Retire, Updated Edition, will tell you exactly what you need to know to ensure you live comfortably in the years to come.

The 5 Years Before You Retire

The 5 Years Before You Retire
Author by: Emily Guy Birken
Release: 2013-12-02
Editor: Simon and Schuster
Pages: 240
ISBN: 9781440569739
Language: un
Available :

SUMMARY:

A comprehensive guide to planning your retirement before it's too late! Even though half of all Americans put money aside for retirement, it isn't until they reach their sixties that many realize that they haven't saved enough. With The Five Years Before You Retire, you'll hone in on what you need to do in the next five years to maximize your current savings and create a realistic plan for your future. This book guides you through each financial, medical, and familial decision, from taking advantage of the employer match your company offers for your 401k program to enrolling in Medicare to discussing housing options with your family. Covering every aspect of retirement planning, these straightforward strategies explain in detail how you can make the most of your last few years in the workforce and prepare for the future you've always wanted. Whether you just started devising a plan or have been saving since your first job, The Five Years Before You Retire will show you what you need to do now to ensure that you live comfortably for years to come.

Get What s Yours for Medicare

Get What s Yours for Medicare
Author by: Philip Moeller
Release: 2016-10-04
Editor: Simon and Schuster
Pages: 304
ISBN: 9781501124013
Language: en
Available :

SUMMARY:

A coauthor of the New York Times bestselling guide to Social Security Get What’s Yours authors an essential companion to explain Medicare, the nation’s other major benefit for older Americans. Learn how to maximize your health coverage and save money. Social Security provides the bulk of most retirees’ income and Medicare guarantees them affordable health insurance. But few people know what Medicare covers and what it doesn’t, what it costs, and when to sign up. Nor do they understand which parts of Medicare are provided by the government and how these work with private insurance plans—Medicare Advantage, drug insurance, and Medicare supplement insurance. Do you understand Medicare’s parts A, B, C, D? Which Part D drug plan is right and how do you decide? Which is better, Medigap or Medicare Advantage? What do you do if Medicare denies payment for a procedure that your doctor says you need? How do you navigate the appeals process for denied claims? If you’re still working or have a retiree health plan, how do those benefits work with Medicare? Do you know about the annual enrollment period for Medicare, or about lifetime penalties for late enrollment, or any number of other key Medicare rules? Health costs are the biggest unknown expense for older Americans, who are turning sixty-five at the rate of 10,000 a day. Understanding and navigating Medicare is the best way to save health care dollars and use them wisely. In Get What’s Yours for Medicare, retirement expert Philip Moeller explains how to understand all these important choices and make the right decisions for your health and wealth now—and for the future.

Social Security Income Planning

Social Security Income Planning
Author by: Mark Orr
Release: 2013-10-02
Editor: CreateSpace
Pages: 128
ISBN: 149293304X
Language: un
Available :

SUMMARY:

Fully UPDATED for 2015This is perhaps the most encompassing, yet easy-to-understand book on the vital and timely topic of Social Security retirement income planning. It is written by an experienced Certified Financial Planner for soon-to-be retirees who want to learn all about the different claiming strategies for couples and for single persons (whether never married, divorced or widowed). Most people have no idea of what some their real benefit options are -- and unfortunately can be prone to miss out on $10,000's.Before describing what readers will find in the book, let me point out that there is purposely nothing written about Social Security DISABILITY income payments or Supplemental Security Income (SSI). The book's sole purpose is to provide people who are about to retire, with all of the information that they need to make the best Social Security benefit decisions based on their own financial circumstances and retirement goals. In this respect it is an essential planning guide and road map.A quick scan of the table of contents gives a glimpse of the scope and amount of powerful information provided. However, what the table of contents does not show is how 95% of Social Security recipients (both couples and many singles) will leave up to $50,000 of benefits sitting on the table that cannot be retrieved. This is money that they are fully entitled to, but these folks did not follow the little-known claiming strategies described in this book. It's your money, you paid into the system your whole life – so don't miss out on getting every dollar that you can.There are many useful examples given to show baby boomers the full range of their filing options and how to maximize their lifetime benefits. Written in plain English, these examples are meant to encourage you to carefully consider how you can get the most total benefits available under the law.Perhaps one of the most unique portions of the book is where the author combines his expertise of Social Security with his knowledge of income taxes to show readers how it is very possible to cut ones taxable income and their subsequent retirement income tax bill by 50%. The story comparing the Early's, the Waite's and the Best's is worth ten times the price of the book, as it explains how a savvy reader can save $1,000's of income tax dollars each year during their retirement.The chapter about the 3 buckets of investment risk and the 3 taxation buckets is the perfect complement to learning about filing strategies since Social Security was never meant to provide for all one's retirement income. Not only is this discussion vital for soon-to-be retirees, it should be required reading for every American adult before they EVER invest a single dime anywhere.Don't let the low cost of the book fool you. While reading the book, it becomes very apparent that Mr. Orr actually works in the retirement income planning field on a daily basis with the non-stop tips, warnings, things to consider and much more. Everything is discussed in “real world” terms, not useless academic theory. “Social Security Income Planning” is well organized, concise and written in a conversational style, yet it's jam-packed with all the information you need to maximize your Social Security benefits. The advanced concepts and planning strategies are made so simple, that you will be able to explain them to your co-workers... or even to your financial advisor (who very likely has just a vague understanding of the strategies you are talking about)! Finally, the book rightfully stresses how your decision to file for your Social Security benefits should not be made on a “standalone basis”. That your claiming decisions should be made in conjunction with your overall retirement income goals, your assets and other income resources, your level of adverseness to risk, your (and your spouse's) likely longevity, etc. Buy this book today and become an educated consumer of your Social Security benefits.

Choose Your Retirement

Choose Your Retirement
Author by: Emily Guy Birken
Release: 2015-09-04
Editor: Simon and Schuster
Pages: 256
ISBN: 9781440586569
Language: un
Available :

SUMMARY:

As seen in Woman's Day, US News & World Report, and Money Magazine Uncover the truth about planning for retirement! From financial advisors and pundits on television to colleagues and family members, everyone has something to say about retirement. But how much of it is true? Whether you're looking to move into a senior living community or travel the world, Choose Your Retirement shows you how to realistically prepare for the future you desire. Inside, you will find expert advice for choosing the best retirement path for you and your family as well as information on common myths like: You will only need 80 percent of your current income in retirement Medicare will cover all your health-care needs Switching investments over to bonds is the safest retirement option Social Security will run out in 2033, leaving millions without their promised benefits Filled with hundreds of facts about retiring, Choose Your Retirement helps you set attainable financial goals and plan for the retirement--and life--you've always wanted.

Understanding SSI Supplemental Security Income

Understanding SSI  Supplemental Security Income
Author by: Anonim
Release: 1998-03
Editor: DIANE Publishing
Pages: 62
ISBN: 078814555X
Language: en
Available :

SUMMARY:

This publication informs advocates & others in interested agencies & organizations about supplemental security income (SSI) eligibility requirements & processes. It will assist you in helping people apply for, establish eligibility for, & continue to receive SSI benefits for as long as they remain eligible. This publication can also be used as a training manual & as a reference tool. Discusses those who are blind or disabled, living arrangements, overpayments, the appeals process, application process, eligibility requirements, SSI resources, documents you will need when you apply, work incentives, & much more.

The Charles Schwab Guide to Finances After Fifty

The Charles Schwab Guide to Finances After Fifty
Author by: Carrie Schwab-Pomerantz,Joanne Cuthbertson
Release: 2014-04-01
Editor: Currency
Pages: 432
ISBN: 9780804137379
Language: en
Available :

SUMMARY:

Here at last are the hard-to-find answers to the dizzying array of financial questions plaguing those who are age fifty and older. The financial world is more complex than ever, and people are struggling to make sense of it all. If you’re like most people moving into the phase of life where protecting—as well as growing-- assets is paramount, you’re faced with a number of financial puzzles. Maybe you’re struggling to get your kids through college without drawing down your life’s savings. Perhaps you sense your nest egg is at risk and want to move into safer investments. Maybe you’re contemplating downsizing to a smaller home, but aren’t sure of the financial implications. Possibly, medical expenses have become a bigger drain than you expected and you need help assessing options. Perhaps you’ll shortly be eligible for social security but want to optimize when and how to take it. Whatever your specific financial issue, one thing is certain—your range of choices is vast. As the financial world becomes increasingly complex, what you need is deeply researched advice from professionals whose credentials are impeccable and who prize clarity and straightforwardness over financial mumbo-jumbo. Carrie Schwab-Pomerantz and the Schwab team have been helping clients tackle their toughest money issues for decades. Through Carrie’s popular “Ask Carrie” columns, her leadership of the Charles Schwab Foundation, and her work across party lines through two White House administrations and with the President’s Advisory Council on Financial Capability, she has become one of America’s most trusted sources for financial advice. Here, Carrie will not only answer all the questions that keep you up at night, she’ll provide answers to many questions you haven’t considered but should.

Privatizing Social Security

Privatizing Social Security
Author by: Martin Feldstein
Release: 2008-04-15
Editor: University of Chicago Press
Pages: 488
ISBN: 0226241823
Language: en
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SUMMARY:

This volume represents the most important work to date on one of the pressing policy issues of the moment: the privatization of social security. Although social security is facing enormous fiscal pressure in the face of an aging population, there has been relatively little published on the fundamentals of essential reform through privatization. Privatizing Social Security fills this void by studying the methods and problems involved in shifting from the current system to one based on mandatory saving in individual accounts. "Timely and important. . . . [Privatizing Social Security] presents a forceful case for a radical shift from the existing unfunded, pay-as-you-go single national program to a mandatory funded program with individual savings accounts. . . . An extensive analysis of how a privatized plan would work in the United States is supplemented with the experiences of five other countries that have privatized plans." —Library Journal "[A] high-powered collection of essays by top experts in the field."—Timothy Taylor, Public Interest

Social Security Understanding the Benefits

Social Security   Understanding the Benefits
Author by: United States Social Security Administration
Release: 2001
Editor: GPO FCIC
Pages: 329
ISBN: 1612210465
Language: en
Available :

SUMMARY:

Provides details on retirement, disability, survivor's benefits, Medicare coverage, Supplemental Security Income, and more.

Automobile Cases

Automobile Cases
Author by: Anonim
Release: 1964
Editor: Unknown
Pages: 329
ISBN: MINN:31951D02288172G
Language: en
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SUMMARY:

How to Make Your Money Last

How to Make Your Money Last
Author by: Jane Bryant Quinn
Release: 2017-01-10
Editor: Simon and Schuster
Pages: 384
ISBN: 9781476743776
Language: en
Available :

SUMMARY:

"With How to Make Your Money Last, you will learn how to turn your retirement savings into a steady paycheck that will last for life. Today, people worry that they're going to run out of money in their older age. That won't happen if you use a few tricks for squeezing higher payments from your assets--from your Social Security account (find the hidden values there), pension (monthly income or lump sum?), home equity (sell and invest the proceeds or take a reverse mortgage?), savings (should you buy a lifetime annuity?), and retirement accounts (how to invest and--critically--how much to withdraw from your savings each year?). The right moves will not only raise the amount you have to spend, they'll stretch out your money over many more years. You will also learn to look at your savings and investments in a new way. If you stick with super-safe choices the money might not last. You need safe money to help pay the bills in your early retirement years. But to ensure that you'll still have spending money 10 and 20 years from now, you have to invest for growth, today. Quinn shows you how. At a time when people are living longer, yet retiring with a smaller pot of savings than they'd hoped for, this book will become the essential guide"--

End Financial Stress Now

End Financial Stress Now
Author by: Emily Guy Birken
Release: 2017-05-09
Editor: Simon and Schuster
Pages: 240
ISBN: 9781440599149
Language: en
Available :

SUMMARY:

End financial stress for good and learn how to manage your money—without a change to income! Studies have shown time and time again that money is a leading cause of stress—but a life free from financial worry isn’t exclusive to the rich and powerful. End Financial Stress Now gives you practical, actionable instructions you need to improve your money management—no matter what your income level is. You can learn how to achieve the mindset of financial flexibility, which can help you navigate any money issues you face. These practical, step-by-step instructions on budgeting can help you track expenses, pay off debt, and save money. Featuring straightforward advice on how to increase self-discipline so you can stick to your budget as well as techniques to help you identity misinformation and false beliefs you have about money, you can follow this guide to create a fulfilling life free of financial stress.

Choosing the Nation s Fiscal Future

Choosing the Nation s Fiscal Future
Author by: National Academy of Public Administration,National Research Council,Division of Behavioral and Social Sciences and Education,Committee on the Fiscal Future of the United States
Release: 2010-01-12
Editor: National Academies Press
Pages: 360
ISBN: 0309150272
Language: en
Available :

SUMMARY:

A mismatch between the federal government's revenues and spending, now and in the foreseeable future, requires heavy borrowing, leading to a large and increasing federal debt. That increasing debt raises a serious challenge to all of the goals that various people expect their government to pursue. It also raises questions about the nation's future wealth and whether too much debt could lead to higher interest rates and even to loss of confidence in the nation's long-term ability and commitment to honor its obligations. Many analysts have concluded that the trajectory of the federal budget set by current policies cannot be sustained. In light of these projections, Choosing the Nation's Fiscal Future assesses the options and possibilities for a sustainable federal budget. This comprehensive book considers a range of policy changes that could help put the budget on a sustainable path: reforms to reduce the rate of growth in spending for Medicare and Medicaid; options to reduce the growth rate of Social Security benefits or raise payroll taxes; and changes in many other government spending programs and tax policies. The book also examines how the federal budget process could be revised to be more far sighted and to hold leaders accountable for responsible stewardship of the nation's fiscal future. Choosing the Nation's Fiscal Future will provide readers with a practical framework to assess budget proposals for their consistency with long-term fiscal stability. It will help them assess what policy changes they want, consistent with their own values and their views of the proper role of the government and within the constraints of a responsible national budget. It will show how the perhaps difficult but possible policy changes could be combined to produce a wide range of budget scenarios to bring revenues and spending into alignment for the long term. This book will be uniquely valuable to everyone concerned about the current and projected fiscal health of the nation.

Economic Information for Ohio Agriculture

Economic Information for Ohio Agriculture
Author by: Anonim
Release: 1949
Editor: Unknown
Pages: 329
ISBN: UIUC:30112107084367
Language: en
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SUMMARY:

What Your Social Security Means to You

What Your Social Security Means to You
Author by: Joseph P. Dunn
Release: 1955
Editor: Unknown
Pages: 62
ISBN: UOM:39015077058520
Language: en
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SUMMARY:

Social Security Strategies

Social Security Strategies
Author by: William R. Reichenstein
Release: 2011
Editor: Unknown
Pages: 116
ISBN: 0615457533
Language: en
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SUMMARY:

Making Sense of Social Security Reform

Making Sense of Social Security Reform
Author by: Daniel Shaviro
Release: 2001-11
Editor: University of Chicago Press
Pages: 177
ISBN: 0226751171
Language: en
Available :

SUMMARY:

The Social Security Act of 1935 must be counted among the most monumental pieces of legislation ever passed by Congress. Today, sixty-five years after its enactment, public support for Social Security remains extremely strong. At the same time, there have been reports that Social Security is in grave danger of financial collapse, and numerous groups across the political spectrum have agitated for its reform. The president has put forward proposals to rescue Social Security, conservatives argue for its privatization, and liberals advocate increases in its funding from surplus tax revenues. But what is the average person to make of all this? How many Americans know where the money for Social Security benefits really comes from, or who wins and loses from the system's overall operations? Few people understand the current Social Security system in even its broadest outlines. And yet Social Security reform is ranked among the most important social issues of our time. With Making Sense of Social Security Reform, Daniel Shaviro makes an important contribution to the public understanding of the issues involved in reforming Social Security. His book clearly and straightforwardly describes the current system and the pressures that have been brought to bear upon it, before dissecting and evaluating the various reform proposals. Accessible to anyone who has an interest in the issue, Shaviro's new work is unique in offering a balanced, nonpartisan account.

International Molders and Foundry Workers Journal

International Molders  and Foundry Workers  Journal
Author by: Anonim
Release: 1956
Editor: Unknown
Pages: 329
ISBN: WISC:89062150677
Language: en
Available :

SUMMARY: