{"title":"Retirement Planning","description":null,"products":[{"product_id":"your-money-ratios-8-simple-tools-for-financial-security-at-every-stage-of-life","title":"Your Money Ratios: 8 Simple Tools for Financial Security at Every Stage of Life","description":"\u003cp\u003eA leading financial adviser offers a groundbreaking and simple approach to tackling personal finance by breaking down formulas used by the most successful businesses.\u003c\/p\u003e\n\n\u003cp\u003eA troubled economy calls for answers. People need sound, easy-to-follow financial advice that can be implemented immediately. For the first time, a leading financial adviser has developed a remarkable set of guidelines to give individuals the same kind of objective insight into their personal finances that successful businesses have. Your Money Ratios will help readers effectively manage debt, invest prudently, and develop a realistic and effective savings plan to ensure both financial success and security. Readers need only plug their income and age into Farrell's ratios to get an instant picture of their savings status and overall financial health, as well as a road map for the important choices for the future. Some key ratios include:\u003c\/p\u003e\n\n\u003cp\u003e? The Capital-to-Income Ratio: how much capital (savings) you should have if you plan to retire at 65\u003cbr\u003e\n? The Mortgage-to-Income Ratio: the maximum mortgage debt you should carry and still have sufficient capital left for comfortable savings\u003cbr\u003e\n? The Education-to-Average-Income Ratio: the amount of education- related debt you can safely incur based on anticipated average earnings after obtaining your degree, ISBN13: 9781583334164 ISBN10: 1583334165 Material Type: paperback\u003c\/p\u003e","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":46111757664419,"sku":"A_STR_H0000FRS","price":12.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0607\/9227\/5107\/files\/71YXMoX8w8L.jpg?v=1754639182"},{"product_id":"how-to-retire-early-and-live-well-with-less-than-a-million-dollars","title":"How To Retire Early And Live Well With Less Than A Million Dollars","description":"\u003cp\u003eOutlines both simple and advanced investment strategies for achieving steady returns and offers tips on reducing living expenses and taxes., ISBN13: 9781580622011 ISBN10: 1580622011 Material Type: paperback\u003c\/p\u003e","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":46111767167139,"sku":"A_STR_H0000DUD","price":7.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0607\/9227\/5107\/files\/51sxPna7JTL.jpg?v=1754639588"},{"product_id":"thinking-outside-the-money-box-the-best-concepts-for-a-worry-free-retirement-are-off-the-beaten-path","title":"Thinking Outside The Money Box: The Best Concepts For A Worry-Free Retirement Are Off The Beaten Path","description":"\u003cp\u003eThinking outside the box is one of those catchphrases that started popping up in business conversations a few years ago. It is a colorful metaphor that means to think differently, unconventionally, or from a new perspectives. To think outside the MONEY box requires taking a fresh look at many of the financial challenges facing retirees in the 21st Century. Many investment strategies that worked in the decades of the 1980s and 1990s simply don't work today. And yet many, even in the financial advisory community, are still living in the past. In this book, you will find several specific examples of new-era strategies and concepts that solve the retirement challenges that are unique to baby boomers today. Thinking Outside the Box not only shines the spotlight of logic and rational thought on \"mainstream\" concepts that simply do not work anymore, but also provides the clear vision you need to see what does work and why. Endorsements “Mark Lumia has provided a much needed retirement security blanket. He shows you how to avoid bumps in the road ahead by planning with useful “What if” scenarios and examples. You'll also find a wealth of smart retirement income strategies to increase cash flow by optimizing your Social Security and retirement benefits, while minimizing taxes. The result is more income, less taxes, less investment risk and most important, less worry about retirement.” -Ed Slott, CPA Retirement expert and Founder of www.irahelp.com and www.theslottreport.com “Thinking Outside the Money Box will help baby boomers make a critical shift in the way they think about money. As boomers move from the accumulation phase of retirement planning to the distribution phase, they will face many issues they've never had to face before: how to maximize Social Security benefits, how to shelter retirement income from taxes, and that all-important question of how not to run out of money. Mark Lumia explains, through solid research and plenty of numbers, how boomers can navigate this new landscape and avoid making mistakes before it's too late.” -Elaine Floyd, CFP® Director of Retirement and Life Planning, Horsesmouth, LLC “Mark joins an illustrious group of RMA graduates who have written valuable books on retirement planning. In his book, he also refers to a paper published by fellow RMAs (Sean Ciemiewicz and Christine Russell) in the Retirement Management Journal (RMJ). Mark's additional insights, based on the paper, advance our collective understanding. I was particularly interested in his focus and clear explanations on the various types of annuities. This is another valuable book written by a fellow RMA and I am pleased to write this recommendation.” -Francois Gadenne Chairman of the Board and Executive Director Retirement Income Industry Association, ISBN13: 9781499238457 ISBN10: 1499238452 Material Type: paperback\u003c\/p\u003e","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":46111939395747,"sku":"A_H0000CJG","price":23.76,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0607\/9227\/5107\/files\/51nS41db2sL.jpg?v=1754644557"},{"product_id":"it-wasnt-on-my-calendar-13-lessons-in-working-through-elder-care-and-alzheimers","title":"It Wasn't on my Calendar!: 13 Lessons in Working Through Elder Care and Alzheimer's","description":"\u003cp\u003eMost people do not plan for a medical, mental or aging crisis for a parent—or themselves, and if such a crisis is not on your calendar, prepare now. None of us know what we don’t know, and when a loved one’s health and\/or mind are failing, this is no time to have a crash-course in learning. •Who do I turn to for advice? •What kind of questions do I ask? •Do I plan a loved one’s care for this immediate crisis—or make a plan that includes future needs as conditions worsen? •How do I respond to the many needs: place to live (kinds of facilities), care (who provides and what kinds), costs (and how to pay them), and advisors (finding the right people to handle finances and elder planning). If you have more questions than answers, this first-hand guidebook, written by a CPA\/ financial planner about his dad’s situation, will provide answers. Now you will be able to deal with your own situation with more knowledge and focus. Cummings divides his experiences into 13 lessons; some that are chocked full of practical advice for family members, caregivers and professionals: How Do We Respond? What Resources are Available? It Is Not About You Getting the Right Medical Help Know If and When to Move Him From His Home Know the Best Place for Your Loved One to Live Know All of Your Options on How to Pay for it Selecting the Right Financial Advisor Get the Right Financial Advice Proper Estate Planning, ISBN13: 9781499101713 ISBN10: 1499101716 Material Type: paperback\u003c\/p\u003e","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":46111939494051,"sku":"TN-STR_UBD_H0000MK5","price":10.15,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0607\/9227\/5107\/files\/7148m5IKfgL.jpg?v=1754644560"},{"product_id":"the-wealth-code-how-the-rich-stay-rich-in-good-times-and-bad","title":"The Wealth Code: How the Rich Stay Rich in Good Times and Bad.","description":"\u003cp\u003eWe entrusted the experts with our financial security and now we’re reeling from the economic crisis. How do we get back on our feet…and invest wisely? In The Wealth Code: How the Rich Stay Rich in Good Times and Bad, financial planner and investment strategist Jason Vanclef delivers straight answers…and solutions. According to Vanclef, True Asset Class Diversification is the best way to build that solid financial base for your secure future. From an analysis of the downside of conventional thinking to the secrets of the Fortune 400, from diversification tactics to estate planning and improving returns on investments, Vanclef delivers a straightforward, hands-on plan not to cut your losses, but to maximize your investments. Do you truly have a handle on the bond market, stocks and mutual funds? How much of your assets belong in real estate, oil\/gas, gold or other tangible investments? Insurance pitfalls not discussed? For the answers…and a sardonic poke at Wall Street…this is the book., ISBN13: 9781439254479 ISBN10: 1439254478 Material Type: paperback\u003c\/p\u003e","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":46112189579427,"sku":"05-30-25_H0000G4Z","price":12.86,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0607\/9227\/5107\/files\/41_KKKQYZjL.jpg?v=1754646586"},{"product_id":"plan-your-prosperity-the-only-retirement-guide-youll-ever-need-starting-now-whether-youre-22-52-or-82","title":"Plan Your Prosperity: The Only Retirement Guide You'll Ever Need, Starting Now--Whether You're 22, 52 or 82","description":"\u003cp\u003eWhether you’re in retirement, just getting ready to retire, or 5, 10, or 40 years out, this book can help you invest smarter your whole life and yes, plan better for retirement.\u003cbr\u003e\nHarmful mythology abounds about retirement investing. Many retirees or soon-to-be retirees have heard a plethora of advice. Take 100 (or 120) and subtract your age to get your equity allocation, put the rest in bonds or cash. Buy only bonds. Buy only high dividend stocks. Or some combination! Buy equity-indexed annuities or some “guaranteed” income product. All examples of a potentially harmful myth many folks believe to be smart, strategic moves.\u003cbr\u003e\nInvestors believe preparing for retirement requires a radically different set of tools or a dizzying array of products. Navigating the world of retirement products and services can be a full-time job. But investing for retirement is, in practice, not much (if at all) different from investing. In Your Retirement Plan, Ken Fisher will give readers a workable strategy to either develop their own retirement investing plan or work more successfully with a professional to increase the likelihood of achieving long-term goals while avoiding common pitfalls. The book will include easy-to-follow steps like How to think, correctly, about investing time horizon. How to better figure how much income you need How to determine if a portfolio can provide that income How to figure how much to save each year to achieve retirement goals What pitfalls to avoid And more. . . .\u003cbr\u003e\nIn this retirement planning book that's not just for retirees, Fisher will hand readers the tools and confidence they need to better plan for the future., ISBN13: 9781118431061 ISBN10: 1118431065 Material Type: hardcover\u003c\/p\u003e","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":46112299810979,"sku":"A-STR_UBD_H0000PFR","price":9.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0607\/9227\/5107\/files\/61L4cQwsMcL.jpg?v=1754650747"},{"product_id":"living-in-san-miguel-the-heart-of-the-matter","title":"Living in San Miguel: The Heart of the Matter","description":"\u003cp\u003eThinking about living in Mexico? Perhaps you've heard it's cheaper, warmer, and the culture is rich. Places like San Miguel de Allende have support communities of expatriates (about 8,000) to make you feel at home. But this is a big change. Thinking about it can keep you awake nights. You ask yourself: *How do other people make this work? *How do I avoid making a mistake? *What are the real costs of living there? *How do I arrange for healthcare and an English-speaking physician? *If I buy a house what am I really getting? *How do I transfer and handle my money intelligently? *Is the U.S. media telling the truth about crime in Mexico? What if you were prepared? What if you knew the answers to these questions and many others before you decided to try it? This book provides answers to the vital questions you must ask to make a move like this successfully. Plus, it also provides lists of resources for further research., ISBN13: 9780990655107 ISBN10: 0990655105 Material Type: paperback\u003c\/p\u003e","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":46112314720419,"sku":"A.11.5 F_04-09-25_ART_H000040S","price":23.27,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0607\/9227\/5107\/files\/91kUA8q8coL.jpg?v=1754651200"},{"product_id":"the-smartest-retirement-book-youll-ever-read","title":"The Smartest Retirement Book You'll Ever Read","description":"\u003cp\u003eFollow the advice in The Smartest Retirement Book You'll Ever Read and you will: Find simple strategies to maximize your retirement nest egg Steer clear of scams that rob you of your hard-earned savings Ensure that your money lasts longer than you do Avoid the common mistakes that can leave your spouse impoverished Discover financial lifelines no matter how desperate the economy\u003cbr\u003e\n\"If you want a handy guide that provides information in small chunks, Solin's book is it.\" -Newark Star-Ledger, ISBN13: 9780399535208 ISBN10: 0399535209 Material Type: hardcover\u003c\/p\u003e","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":46124939182243,"sku":"FA_06-09-25_UBD_20000IV3","price":12.95,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0607\/9227\/5107\/files\/91JJM4QnkqL.jpg?v=1754832857"},{"product_id":"parlay-your-ira-into-a-family-fortune-3-easy-steps-for-creating-a-lifetime-supply-of-tax-deferred-even-tax-free-wealth-for-you-and-your-family","title":"Parlay Your IRA into a Family Fortune: 3 EASY STEPS for creating a lifetime supply of tax-deferred, even tax-free, wealth for you and your family","description":"\u003cp\u003e\"America 's IRA expert\"(Mutual Funds magazine) Ed Slott shows readers how to make the most out of their retirement plans.\u003c\/p\u003e\n\n\u003cp\u003e? Achieve unlimited tax-free income after retirement and keep assets in the family\u003cbr\u003e\n? Protect retirement funds from creditors, divorce, bankruptcy, lawsuits, or other problems that could expose it to loss\u003cbr\u003e\n? Use a Roth IRA to build a tax-free fortune Slott's three-step strategy cuts through the tax laws and provides simple, easy-to-follow instructions for managing IRAs and other retirement income., ISBN13: 9780143115168 ISBN10: 0143115162 Material Type: paperback\u003c\/p\u003e","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":46126619066531,"sku":"A_STR_H0000FDF","price":10.69,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0607\/9227\/5107\/files\/717oAyTkKOL.jpg?v=1754896304"},{"product_id":"retirement-places-rated-what-you-need-to-know-to-plan-the-retirement-you-deserve","title":"Retirement Places Rated: What You Need to Know to Plan the Retirement You Deserve","description":"\u003cp\u003eWhether you're considering retirement or scouting out the best location for a second home, Retirement Places Rated is an invaluable sourcebook. For more than 20 years, people have turned to author David Savageau for help in choosing the perfect location, and now that the number of Americans who are reaching retirement age is greater than ever, this information is more valuable than ever before. Nearly 200 top retirement areas in the United States, both traditional and newly discovered, are profiled.They're ranked and compared for cost of living, climate, health care, economic factors, crime, services, cultural life, and recreation. Included are climate graphs, maps of retirement regions, comparison charts, and demographic profiles of each area. A special section on relocation resources helps you set your plans in motion once you've chosen where to live.This completely updated edition includes new locations and factors in the latest statistics., ISBN13: B006G8BIOW ISBN10: B006G8BIOW Material Type: paperback\u003c\/p\u003e","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":46127049736355,"sku":"CH_11-20-24_PHA_601KGB","price":43.2,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0607\/9227\/5107\/files\/51VE4Z5Z34L.jpg?v=1754906357"},{"product_id":"youve-earned-it-dont-lose-it-mistakes-you-cant-afford-to-make-when-you-retire-1","title":"You've Earned It, Don't Lose It: Mistakes You Can't Afford to Make When You Retire","description":"\u003cp\u003eIt's Your Money. What Happens To It Will Directly Affect The Quality Of Your Life.\u003cbr\u003e\n\"You don't want to become a story in one of my books, and you don't have to,\" says financial advisor Suze Orman, who goes beyond the usual financial primer to describe how to safeguard your financial future, illustrated with stories of ordinary, real-life people who faced misfortune because of naiveté, procrastination, or misinformation. So that you can avoid making similar mistakes and so you an better protect the money you have earned and saved, Orman gives you this easy-to-understand guide to eight vital areas essential for your security and well-being. With simplicity and clarity, complete with resource lists and glossary, she covers: Choosing and assessing financial advisors. Trusts, wills, gifts, joint tenancy: Which is right for you? Early retirement: What to do and how to avoid penalties when receiving your retirement money. Joint and survivor benefits: Making sure you protect those you love. Long-term care insurance: How to choose the right policy and what you should pay for it. Estate taxes and probate costs: How to avoid them. Durable power of attorney: How it works and why you should have one. Minimizing expenses and maximizing income: getting the most for your health-care money; getting the most for your life.\u003cbr\u003e\nAs featured on QVC, CNN, FOX, and more.\u003cbr\u003e\nA selection of The Book-of-the-Month Club., ISBN13: 9781557043221 ISBN10: 1557043221 Material Type: hardcover\u003c\/p\u003e","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":46129486528675,"sku":"09-15-23_PHA_300WNV","price":7.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0607\/9227\/5107\/files\/51l9tP5MICL.jpg?v=1754981705"},{"product_id":"youve-earned-it-dont-lose-it-mistakes-you-cant-afford-to-make-when-you-retire","title":"You've Earned It, Don't Lose It: Mistakes You Can't Afford to Make When You Retire","description":"\u003cp\u003eIt's Your Money. 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Learn how to:\u003cbr\u003e\n- build a foundation to survive financial downturns and life emergencies;\u003cbr\u003e\n- determine what you really want to spend your time doing;\u003cbr\u003e\n- design a life based around positive cash flow;\u003cbr\u003e\n- invest your money so that it works to grow over time; and\u003cbr\u003e\n- protect and keep more of what you earn.\u003cbr\u003e\nThe book also explores how to maximize savings in an individual retirement account or 401(k) plan, active investments versus passive investments, fundamental versus technical analysis, annuities, social security, Medicare, and more.\u003cbr\u003e\nCrews' collection of simple but powerful principles which can help you succeed no matter what career you choose or where you live. 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Turn to the#1 guide to Social Security retirement and medical benefits to discover the benefits you're entitled to and how to claim them as easily as possible.\u003cbr\u003e\nCompletely updated for 2013, the book covers how to:\u003cbr\u003e\n. determine the amount of Social Security and other benefits you're entitled to\u003cbr\u003e\n. qualify and apply for Medicare, including Part D prescription drug coverage\u003cbr\u003e\n. understand medigap insurance and managed care and choose what’s best for you\u003cbr\u003e\n. claim earned government pensions and veterans' benefits\u003cbr\u003e\n. time your retirement to get the best results\u003cbr\u003e\n. help your senior parents file essential forms online\u003c\/p\u003e\n\n\u003cp\u003eThe latest edition includes 2013 benefit numbers for Social Security, Medicare, and SSI, and fully up-to-date resources, and the impact of recent court rulings on your benefits., ISBN13: 9781413318456 ISBN10: 1413318452 Material Type: paperback\u003c\/p\u003e","brand":"CheapBookDepot","offers":[{"title":"Default Title","offer_id":46129604624547,"sku":"RARE-FA_09-12-24_PHA_601HB5","price":17.7,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0607\/9227\/5107\/files\/812h5DljPDL.jpg?v=1754985865"},{"product_id":"the-gospel-of-roth-the-good-news-about-roth-ira-conversions-and-how-they-can-make-you-money","title":"The Gospel of Roth: The Good News About Roth IRA Conversions and How They Can Make You Money","description":"\u003cp\u003eTHE ROTH CONVERSION OPTION if you follow my advice in the next few pages, you may increase your retirement spendable assets by over 40 percent! 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