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Preparing for retirement is one of the most difficult and confusing challenges that a person faces during their lifetime. And these days, there isn't a shortage of resources available that someone can turn to. Between the internet, cable television, and countless financial magazines, it seems like there is "information overload." With so many choices, and with so many different opinions available, what is a person to do? In this book, Chris Scalese brings what he has learned from over 20 years of helping individuals prepare for a comfortable retirement. He'll break down the fundamentals of retirement planning into clear, easy-to-follow language and show you that it doesn't have to be near as difficult as a lot of "experts" would like you to believe. Use the principals that Chris talks about in this financial training guide, and you'll have the information to help you reach the finishing line of retirement without worrying about "hitting the wall."
A New Way of Looking at Retirement Preparing for retirement is one of the most difficult and confusing challenges that a person faces during their lifetime. And these days, there isn't a shortage of resources available that someone can turn to. Between the internet, cable television, and countless financial magazines, it seems like there is "information overload". With so many choices, and with so many different opinions available, what is a person to do? In this book, Chris Scalese brings what he has learned from over 20 years of helping individuals prepare for a comfortable retirement. He'll break down the fundamentals of retirement planning into clear, easy to follow language and show you that it doesn't have to be near as difficult as a lot of "experts" would like you to believe. Use the principals that Chris talks about in this financial training guide, and you'll be sure to reach the finish line of retirement without worrying about "hitting the wall".
You are in a race, but it is not a sprint. It is a marathon. The most important factor is whether you finish the race. Looking around at other racers can break your concentration and trip you up, and you are aiming for your personal best.Retirement is much the same. Your financial race is about the planning and preparation, your performance over time, and individual goals. In The Retirement Race, Thomas Michael Rauchegger shares his years of financial planning and retirement planning experience to help get you to the retirement finish line.In The Retirement Race, you will learn:Strategies to plan and save for retirementHow to build a strong financial estateRisk-adjusted investing to combat volatile marketsThe importance of income planning in retirementTax-reducing investment strategiesHow to find the right financial professional for you. . . and much more!Are you ready to begin your retirement race?
"Early Retirement Simplified: Planning Your Financial Freedom" offers a comprehensive blueprint for those aspiring to retire ahead of the conventional timeline. The book breaks down the seemingly complex world of early retirement planning into digestible and actionable steps. Highlights include: The fundamentals of financial independence and what it truly means to retire early. Effective strategies for saving, investing, and building a robust financial nest egg. Insightful budgeting techniques to accelerate your journey to financial freedom. A detailed exploration of common retirement pitfalls and how to sidestep them. Case studies of real individuals who have successfully transitioned into early retirement, sharing their stories and lessons learned. With a balanced approach, this guide addresses both the financial and emotional aspects of planning for early retirement. Readers are equipped not just with the knowledge, but also with the mindset required to make informed decisions, stay disciplined, and remain motivated throughout their journey. "Early Retirement Simplified" isn't just a guide—it's an invitation to reimagine your future, break free from the constraints of the 9-to-5 grind, and embrace a life of freedom, purpose, and fulfillment. Whether you're in your twenties, thirties, or even forties, it's never too late (or too early!) to begin plotting your path to early retirement. Equip yourself with the wisdom and tools packed in this book and take the leap towards your dream life.
You've got the 401k, the back porch overlooking a pond stocked with bass, the grandkids, the wife, sunrises and sunsets, so what do you do now? The only constant you need worry about is time. No more eight am meetings, traffic gridlock, stained white shirts from leaky pens, spam emails, and cute greeting cards reminding you that you're a year older. You sit on the back porch with your wife of forty years sippin' on Starbucks dark roasted Columbia blend as the sun casts an orange hue over the pond rippling with large-mouth bass enjoying the morning cool air in the Sandia Mountains. Route 66 and Albuquerque can be seen in the distance as the purple shadows grow shorter and the morning dew evaporates from the Yaupon on your five-acre spread.
DON'T PANIC. RULE! Market turbulence has made opening monthly 401(k) statements shocking rather than reassuring. Michael "Waxie" Parness can help. The standard strategies and advice regarding your retirement accounts are NOT working. Many people's 401(k)s are now 201(k)s, and it may get worse. YOU need to take control of your retirement, and your life. Rule Your Freakin' Retirement, through practical and pragmatic advice and examples, will teach you alternatives to the "buy, hold, and pray" strategies most investment advisers give. In today's world you need fresh ideas, and this book gives you the tools you need to not only protect what you have in your IRA, but to grow it in an aggressive, time-tested, yet easily managed way. And, yes, a safer way! Building on his successful Rule the Freakin' Markets, master trader and motivational speaker Michael Parness applies the same aggressive strategies to normally ignored or undermanaged 401(k), IRA, and other retirement accounts. Contrary to conventional wisdom, Parness argues that no matter what age you are, NOW is the time to adopt active, aggressive, and controlled strategies to ensure a fully funded, real retirement on your own terms, not subject to market gyrations out of your control. He outlines, in plain language, bold but practical strategies emphasizing research and tailoring approaches to individual needs. With record numbers of baby boomers entering or nearing retirement, and succeeding generations caught by a volatile economy, Rule Your Freakin' Retirement offers tangible, proven, no-nonsense advice that all can profit from, in the engaging Waxie style.
Consider the age-old question of how much you should save to enjoy a comfortable retirement: Are your knees knocking? Are you nervously biting your nails? In The Rule of 30 personal finance expert Frederick Vettese provides a surprising — and hopeful — answer. Through conversations between a young couple and their neighbor, a retired actuary, the couple and the reader discover: • How they would have fared had they been saving over various periods in the past, and how the future investment climate will differ • The problem with saving a constant percentage of pay • The Rule of 30 and why it is a more rational way to save • Whether investing in real estate is a viable alternative to investing in stocks The Rule of 30 changes the mindset from saving the same flat percentage of pay to saving when it is most convenient to your situation. In most cases, it means less saving early on while mortgage payments are high and children are costly, and more saving later. Saving for retirement is a high priority, but it is not the only priority in life. It is time to dispense with old myths like “just save 10% of your take-home pay.” The truth is we should save differently throughout our pre-retirement years — and The Rule of 30 is a road map for doing so.
The Government established NEST as a low-cost pension scheme to help deliver the auto-enrolment programme and to address a market failure in the pensions industry which meant that many employers and employees were unable to access low-cost, good quality pension provision. However, the Committee believes that certain restrictions placed on NEST will create complexity for employers and will disadvantage some employees. The Committee's report recommends that, if state aid rules allow, the Government should remove the following restrictions: the cap on the annual contributions an individual can make to a NEST scheme; and the ban on individuals transferring existing pension pots into NEST. The Committee further urges the Government to proceed with its plans for State Pension reform, introducing a flat-rate State Pension and reducing the level of means-testing without delay. The report also highlights the difficulties and complexity employers and employees currently face in comparing the fees and charges applied by pension providers and recommends that, from 2013 onwards, if some auto-enrolment schemes still have hidden charges, or charges that represent poor value for money, the Government should use its powers to intervene. Auto-enrolment will impose new costs and may be particularly challenging for small employers however the Committee considers that the Government has taken appropriate steps to minimise the impact on businesses through its gradual and flexible approach ("staging and phasing") to implementation. Exempting small employers would create significant complexity, as well as excluding many employees from the benefits of workplace pension saving