Your Retirement Smile

Transform YOUR FINANCIAL FUTURE In today's world, financial advice in every medium may make you believe that people fall into two groups when it comes to money: savers and spenders. But the truth is, money isn't an either/or thing. You can save and spend--you can invest for the future, enjoy your life, AND fully replace your income in retirement. So--what are the first steps you can make today toward a golden retirement? In Your Retirement Smile: The Treatment Plan for Pay-Cut Prevention in Your Golden Years, Dr. Mart G. McClellan and Tim Streid bring you knowledge to show that the "same old, same old" or "cookie cutter" approach when it comes to financial and retirement planning does not have to be accepted-- nor should it be. No one wants to fail or struggle when it comes to personal finances, but they will when they choose to accumulate their wealth versus accelerate their wealth. It's time to take action and realize your maximum financial potential to smile in retirement!

Retirement is different for many people. Most people look at retirement as the remaining 20 to 30 years of their lives. Brian Gray and Ray Stein will take you through a series of retirement topics and show you why living your life in five year increments is so important. Many hidden retirement pitfalls can derail the best laid plans and strategies. They discuss these pitfalls in simple easy to understand language. This book can help guide you towards a retirement without limits versus one that may have boundaries. Learning to live your life in five year increment can help you from missing your bucket list window. Avoid those potential pitfalls so you can live your life without regret.

-What do you think - When you hear the word Retirement? -Do you see yourself spending weeks at a time with your grandchildren? -Do you see fulfilling your Wishlist or Bucket list? or -Do you see Traveling to remote vacation spots you have always wanted to visit? Those dreams simply do not line up with the reality for many working Indians. Rather than packing their bags for a month-long escape, many retirees will be packing their lunch for an eight-hour shift. And it is not because they want to; it is because they are broke. They are not financially free! In My Retirement Formulas, Parag explains that retirement is not an age; it is a financial number-an amount you need to live the life in retirement that you have always dreamed of. Whether you are twenty-five or fifty-five, you can start now. Parag will prepare you to follow these Golden Rules to make your own investing decisions. You don't have to retire broke, stressed or work long hours. You can retire happily with a smile on your face! Or worse yet, like most retirees, maybe you are fearful of dying broke? Fear, frustration, and anxiety over retirement planning are all normal emotions, but they do not have to be! In this book author explains how you can turn these retirement crushing pitfalls into massive money goldmines! If you implement the Rules & strategies described, you'll get 100X the cost of this book in value at a minimum! So, roll up your sleeves and get ready to live the memorable-and purposeful-retirement you have always dreamed of!

Written by Sonia Davidson Illustrated by Victoria DeMarco Sonia and Victoria are friends and neighbours and are retired after successful careers in teaching. They live in Toronto and enjoy travelling, entertaining and volunteering. In retirement they both find they have...lots to do, lots to do... The ideas and illustrations in this book are designed to put a smile on your face as you embrace your retirement.

Three crushing financial tidal waves are racing toward us, potentially crushing hopes for a secure and comfortable retirement! Learn how to protect your retirement funds from the devastation of: * Rising taxes* Rising interest rates* Rising inflation Instead, become a Smiling Retiree and learn how to increase your income to enjoy the lifestyle you want.Author Navi J. Dowty, CFA(r) is a nationally-recognized Financial Educator, Author, Speaker, and Retirement Income Planning Specialist, who has been interviewed on radio and TV, including NBC, CBS and FOX affiliates.

Teacher Notebook or Journal to Write in (Teacher Gifts from Student) A beautiful, bright, fun notebook, makes a great gift for your favorite teacher. Ideal for taking notes, jotting lists, brainstorming, writing in as a diary. Makes an excellent thank you gift for your teacher. Perfectly sized at 8.5" x 11" 110 page Softcover bookbinding Paperback Beautiful design

No one really likes change? and retirement is about as much of a change as any of us will ever experience. Trying to figure out how you can afford to retire, what you will do with all the extra time and where you will live? stressful stuff.Smells Like Retirement is a guide to help you figure out how to create an amazing retirement - a retirement that will put a smile on your face every single day. Practical steps that will lead you to surprising solutions and put you on a path to the best retirement you can possibly imagine. This insightful book will:Get you thinking about your retirementGet you thinking about a retirement that is extraordinary, and that becomes the best part of your lifeGive you some tools and ways of thinking that aid decision-making about your future, and get you ready to be retiredGive you confidence about your futureGive busy people like you a quick read about making retirement decisions

“Filled with tongue-in-cheek humor…a gently fantastical world brimming with teen shenanigans.” —Publishers Weekly Perfect for fans of Geekerella and Jenn Bennett, this charming, sparkly rom-com follows a wish-granting teen forced to question if she’s really doing good—and if she has the power to make her own dreams come true. Charity is a fairy godmother. She doesn’t wear a poofy dress or go around waving a wand, but she does make sure the deepest desires of the student population at Jack London High School come true. And she knows what they want even better than they do because she can glimpse their perfect futures. But when Charity fulfills a glimpse that gets Vindhya crowned homecoming queen, it ends in disaster. Suddenly, every wish Charity has ever granted is called into question. Has she really been helping people? Where do these glimpses come from, anyway? What if she’s not getting the whole picture? Making this existential crisis way worse is Noah—the adorkable and (in Charity’s opinion) diabolical ex of one of her past clients—who blames her for sabotaging his prom plans and claims her interventions are doing more harm than good. He demands that she stop granting wishes and help him get his girl back. At first, Charity has no choice but to play along. But soon, Noah becomes an unexpected ally in getting to the bottom of the glimpses. Before long, Charity dares to call him her friend…and even starts to wish he were something more. But can the fairy godmother ever get the happily ever after?