The Hard Times Guide To Retirement Security

A timely guide to overcoming the retirement challenges we all face The Great Recession has placed a wake-up call to America's baby boomers. Many have not saved enough for retirement and have not taken a hard look at how many post-work years they may need to finance. Written in a straightforward and accessible style, The Hard Times Guide to Retirement Security tackles the tough questions about retirement in the new post-crash economy. Page by page, it puts retirement in perspective by touching on important issues such as insuring against the risk of outliving your assets, recalibrating damaged retirement portfolios, managing the risk of health-care expenses in retirement, and career strategies for workers who are 50 years old and up. Reveals how to boost lifetime income through better planning, and working just a few additional years Offers advice on how to hire a financial advisor whose first loyalty is to you, not Wall Street Discusses why you should rethink housing in the wake of the real estate crash Offers detailed advice on career reinvention, the 50+ job market and midlife entrepreneurship Engaging and informative, this practical guide provides the strategies needed for a truly fulfilling and secure retirement.

Since the credit crash, investors have been searching for answers as 401(k) accounts have suffered unprecedented declines. Not only have markets been tumultuous but new regulations and concerns regarding hidden fees have been introduced to an already opaque area of investing. Despite the severe economic retreat in 2008-2009, one thing hasn't changed: 401(k) accounts—because of their tax benefits—are still the best way for most people to invest for retirement. Mary Rowland breaks down how they work, why they're still a smart investment, how to keep an eye out for hidden fees, and why now is the time to start reinvesting in your retirement. As the former personal finance columnist for the Sunday New York Times and the author of three books on investing, Mary Rowland has extensive experience covering the issues that 401(k) investors face when they consider how to best prepare for retirement.

The essential guide for couples to create a happy, healthy, and successful retirement! Retirement can be the best time of your life, but for couples, there's far more to it than cashing in on your 401(k). The most important asset you have during retirement is each other, yet many couples aren't sure where to begin to prepare for retired life or what to consider as they do. The Couple's Retirement Puzzle reveals ten key conversations couples should tackle before retirement to ensure a rewarding second half of life together, including: • Do we have enough money to support the lifestyle we want? • Should we retire simultaneously or separately? • Do we stay put or explore new frontiers? • What's the best way to stay healthy and fit after fifty? • How do we meet new friends and create new interests outside of work? • How will we balance time together and time apart? • And more! Filled with smart practical advice, engaging anecdotes, and helpful exercises,The Couple's Retirement Puzzle will guide you and your partner to a fulfilling retirement you can enjoy and celebrate together.

The how-to guide to finding profitable, fulfilling work after 50 Aimed at workers aged 50+ looking for a new job—whether they have been laid off or taken early retirement, need supplemental income, or want to pursue an encore career—Great Jobs for Everyone 50+ is the definitive guide to finding lasting financial security and personal and professional fulfillment. Opportunities abound—the trick is knowing where to look and what to expect. Whether readers are interested in trying jobs they've long dreamed of doing, or just want something with flexible hours that brings in a little extra income, this book covers all the options. As Americans live longer and healthier lives, the desire to work longer—for the income, the mental engagement, or the chance to give back—has grown. But there is little guidance for the 50+ crowd looking for work and few role models who've blazed a path. In Great Jobs for Everyone 50+, author and personal finance, retirement, and career transitions expert Kerry Hannon shows the way, with compelling stories from people who've been there. Presenting the nitty-gritty details of available job opportunities, wages to expect, typical hours, and the qualifications and savvy needed to get hired, the book is loaded with practical advice on how to prepare both professionally and financially to start out on a new adventure. Shows where the best opportunities for new employment lie Helps readers find profitable and rewarding jobs to save for retirement Understands that different workers want different things from their jobs and shows how to cast a wide net to find an opportunity that fits Provides incredible insights into working after 50 from Kerry Hannon, a nationally renowned expert in personal finance, retirement, and career transitions Motivational, inspirational, and thoroughly practical, Great Jobs for Everyone 50+ explains how to find part-time, temporary, work-at-home, or seasonal employment in profitable, rewarding jobs.

Until recently, most Americans equated the end of a successful career with the beginning of retirement. No more. Now they want to stay in the game (or better, change the game). They want to leave a mark. Make a difference—and continue to make money. From Encore.org, the leading organization in the field, comes a road map to every step of the encore career journey. Here’s how to plan the transition. How much you need to make. The pros and cons of going back to school. When to volunteer, and when to intern. How to network effectively and harness the power of social media. Who’s hiring and for what jobs? (Check out the Encore Hot List of 35 viable careers). A comprehensive, nuts-and-bolts guide, filled with inspiring stories and answering—in extensive FAQ sections—the concerns of its readers, this book is everything you need to help you strike a balance between doing good and doing well--in a way that will sustain you through this new stage of life.

Plan Now for the Life You Want Today’s economic realities have reset our expectations of what retirement is, yet there’s still the promise for what it can be: a life stage filled with more freedom and potential than ever before. Given the new normal, how do you plan for a future filled with prosperity, health, and happiness? As a companion to What Color Is Your Parachute?, the world’s best-selling career book, What Color Is Your Parachute? for Retirement offers both a holistic, big-picture look at these years as well as practical tools and exercises to help you build a life full of security, vitality, and community. This second edition contains updates throughout, including a section on Social Security, an in-depth exercise on values and how they inform your retirement map, and the one-of-a-kind resource for organizing the sea of information on finances and mental and physical health: the Retirement Well-Being Profile. More than a guide on where to live, how to stay active, or which investments to choose, What Color Is Your Parachute? for Retirement helps you develop a detailed picture of your ideal retirement, so that—whether you’re planning retirement or are there already—you can take a comprehensive approach to make the most of these vital years.

As the demands of work grow more intense, personal life can get shoved to the side. But resolving the job-versus-life conflict doesn't require the kind of big, disruptive, scary transformation that so many time-management "experts" recommend. In Tweak it, Cali Williams Yost proves that a comfortable work+life fit can be achieved through making small, consistent, everyday changes -- tweaks -- that, cumulatively, will optimize job performance and well-being. This engaging, practical book, filled with case studies of people who've tweaked their way to professional success and personal satisfaction, guides readers through an easy-to-implement program that can be tailored to suit any individual's life, both on off the job.

For millions of Americans, the COVID shock has brought retirement saving to an abrupt halt—now it’s time to get back on track. Even before the pandemic, a large share of households by Americans over age 50 faced the threat that their living standards would decline sharply in retirement. In the wake of COVID-19, these numbers will surely worsen. In Retirement Reboot: Commonsense Financial Strategies for Getting Back on Track, finance writer and regular New York Times retirement contributor Mark Miller offers practical strategies for Americans to improve their retirement prospects. If you’re nearing retirement age and worry you haven’t saved enough, Retirement Reboot will walk you through the core decisions to make now to improve your retirement outcomes—even if retirement is just a few years away. You’ll learn how to make a plan, think through the timing of retirement, optimize Social Security, navigate Medicare, build savings, and tap home equity. You’ll also explore ongoing strategies, such as careful budgeting, generating income from work even after retirement, planning for long-term care, and leveraging special assistance aimed at low-income workers. If you have low savings, or none at all, Miller’s simple steps can help you make the most of your remaining working years and reboot the retirement you always imagined.