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Retirement planning isn't something that happens at a specific point in time or at a specific age - we are all affecting our retirement plans every day with every decision we do or don't make. Canadians are living longer, and the average retiree in the future may have as much as 30 years of retirement to plan for, and there are many simple things that will impact our eventual retirement life. 52 Ways to Wreck Your Retirement identifies 52 things we do that could wreck our retirement, explains why it puts your retirement at risk, and provides the strategy to correct the mistake, or better still, avoid it entirely. The book is organized under several key areas of the planning process, including: Starting to Plan for Retirement Mistakes around Investing Mistakes around Debt Saving for Retirement Pensions Living in Retirement Spending in Retirement New Realities about Retirement 52 Ways to Wreck Your Retirement is not a feel-good book about how wonderful retirement will be or an alarming fear-mongering book about dying broke, nor is it a get-rich-late-retirement solution. Quite simply, it is an easily-accessible and practical guide written for Canadians of all ages that gives you the tools you need to better manage the financial and personal aspects of your retirement.
From inheritances and divorce and insurance settlements to retirement payouts and the most recent phenomenon of stock options, the largest transfer of wealth in the history of America is now taking place. For some, this welcome event is relatively stress-free. But for those who are inexperienced in dealing with large sums of money, a windfall can be an overwhelming, even losing, situation. What is the difference between those who build on their financial gains and those who end up worse off than before? In this much-needed, one-of-a-kind book, top financial planner Susan Bradley gets to the heart of the matter by examining the emotional complexity of the windfall experience and how to manage it-and your newfound money-successfully. Whatever the sum involved, the impact of one's emotional state on the way money is handled--or mishandled--cannot be underestimated. In addition to the legal intricacies of receiving sudden money, the element of surprise that catches people unprepared also often leaves them there. Here, at last, is a type of "owner's manual" to sudden money that demystifies the process for recipients and their financial planners. Based on her work with countless clients, many of whose stories appear in this book, Bradley has developed a step-by-step program for moving safely through the three phases of building a solid financial foundation: Preparation and Planning Investing Monitoring, Giving, and Sharing Giving individual attention to each possible windfall event, Bradley addresses their distinct tax consequences, insurance and estate planning considerations, as well as the crucial emotional component. She also shares advice on how to put together the proper team of advisors, including an attorney and a therapist. When correctly handled, an unexpected windfall can provide expected benefits that will continue far beyond the lifetime of the initial recipient---and turn sudden money into lasting wealth. Turn Sudden Money into Lasting Wealth Maximize your wealth and minimize your stress and confusion with this unique, indispensable guide to handling a sudden financial windfall. Written by nationally recognized financial planner Susan Bradley, Sudden Money provides a complete program for successfully managing newfound wealth. Discover ways to: Stay calm and not make decisions based on your emotions Seek experienced, professional advice Avoid pressure from others Create and execute the best financial plan for you Most important, Sudden Money provides you with easy-to-implement, proven ways to ensure that your financial gains are more than fleeting good fortune. "A 'must read' for financial advisors and for clients who have received financial windfalls. Susan Bradley has detailed--in an easy-to-apply way--a new financial planning discipline that is sure to become a vital part of discussions about the burgeoning wealth in this country." —Ronni Burns, Wall Street consultant "This book is essential for anyone who receives a financial windfall. It's an easy read and packed with useful advice." —Don Phillips, CEO, Morningstar "Reading this book is like having a trusted friend explain what to expect, what to do, and what not to do at a happy time that can also be overwhelming and stressful. This book has been extraordinarily helpful to me." —Marci Shimoff, coauthor, Chicken Soup for the Soul "Women in particular are often ill prepared to manage a financial windfall. Without careful planning, it could turn into a pitfall. Susan Bradley's book is a sensible guide on how to handle instant wealth." —Jennifer Openshaw, CEO, WFN.com, Financial Network for Women
Advice on achieving success and satisfaction in life away from the work place.
Retirement planning isn't something that happens at a specific point in time or at a specific age - we are all affecting our retirement plans every day with every decision we do or don't make. Canadians are living longer, and the average retiree in the future may have as much as 30 years of retirement to plan for, and there are many simple things that will impact our eventual retirement life. 52 Ways to Wreck Your Retirement identifies 52 things we do that could wreck our retirement, explains why it puts your retirement at risk, and provides the strategy to correct the mistake, or better still, avoid it entirely. The book is organized under several key areas of the planning process, including: Starting to Plan for Retirement Mistakes around Investing Mistakes around Debt Saving for Retirement Pensions Living in Retirement Spending in Retirement New Realities about Retirement 52 Ways to Wreck Your Retirement is not a feel-good book about how wonderful retirement will be or an alarming fear-mongering book about dying broke, nor is it a get-rich-late-retirement solution. Quite simply, it is an easily-accessible and practical guide written for Canadians of all ages that gives you the tools you need to better manage the financial and personal aspects of your retirement.
Your Next Chapter: A Woman's Guide To A Successful Retirement You are on the threshold of Your Next Chapter. Hopefully, it will be an exciting and satisfying one. This book will help you navigate the unfamiliar waters on both an emotional and financial level. Written by women for women, Your Next Chapter focuses on the issues you need to address so you can have a sustainable and rewarding future. YOUR NEXT CHAPTER provides important information to help you make the necessary decisions you now face. To illustrate these concerns, the authors present detailed scenarios of four hypothetical women in various situations in different geographic locations as they approach retirement. Among the topics examined: - What retirement means for you - How you should revise your investment and estate plans - How your emotional and physical health will be impacted by retirement - Why your planning should be flexible and adaptable as your needs and desires change
Winner of the 2008 Agatha Award for Best First Novel From deep in the heart of his eighteenth century English manor, millionaire Sir Adrian Beauclerk-Fisk writes mystery novels and torments his four spoiled children with threats of disinheritance. Tiring of this device, the portly patriarch decides to weave a malicious twist into his well-worn plot. Gathering them all together for a family dinner, he announces his latest blow—a secret elopement with the beautiful Violet...who was once suspected of murdering her husband. Within hours, eldest son and appointed heir Ruthven is found cleaved to death by a medieval mace. Since Ruthven is generally hated, no one seems too surprised or upset—least of all his cold-blooded wife Lillian. When Detective Chief Inspector St. Just is brought in to investigate, he meets with a deadly calm that goes beyond the usual English reserve. And soon Sir Adrian himself is found slumped over his writing desk—an ornate knife thrust into his heart. Trapped amid leering gargoyles and stone walls, every member of the family is a likely suspect. Using a little Cornish brusqueness and brawn, can St. Just find the killer before the next-in-line to the family fortune ends up dead? Death of a Cozy Writer was chosen by Kirkus Reviews as a Best Book of 2008, nominated for a Left Coast Crime award (the Hawaii Five-O for best police procedural), short-listed for the Macavity Award for Best First Mystery, nominated for the Anthony Award for Best First Novel and was a finalist for the David G. Sasher, Sr. Award for Best Mystery Novel. Praise: "Fans of English detective work will welcome Malliet's droll debut, the first in a new series."—Publishers Weekly "Malliet's debut combines devices from Christie and Clue to keep you guessing until the dramatic denouement."—Kirkus Reviews "Malliet's skillful debut demonstrates the sophistication one would expect of a much more established writer. I'm looking forward to her next genre-bender, Death and the Lit Chick."—Mystery Scene "Almost every sentence is a polished, malicious gem, reminiscent of Robert Barnard...the book is perfect for the lover of the classical detective story or the fan of great sentences."—Deadly Pleasures "In her series debut, Malliet, who won a Malice Domestic Grant to write this novel, lays the foundation for an Agatha Christie—like murder mystery."—Library Journal "An affectionate homage to the Golden Age of British crime fiction by a skilled writer rapidly attracting attention."—The Sherbrook Record "This tale cleverly adds modern touches to an Agatha Christie style classic house mystery."—Mystery Women Magazine "Wicked, witty and full of treats!"—Peter Lovesey, recipient of Lifetime Achievement Awards from the Crime Writer's Association and Malice Domestic "The traditional British cozy is alive and well. Delicious. I was hooked from the first paragraph."—Rhys Bowen, award-winning author of Her Royal Spyness "Death of a Cozy Writer is a romp, a classic tale of family dysfunction in a moody and often humourous English country house setting."—Louise Penny, author of the award-winning Armand Gamache series of murder mysteries "The connections made by St. Just are nothing short of Sherlock Holmes at his most coherent. A most excellent first mystery!"—Midwest Book Review