IRAs, 401(k)s & Other Retirement Plans

Strategies for Taking Your Money Out

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Author: Twila Slesnick,John C. Suttle

Publisher: Nolo

ISBN: 1413323936

Category: Business & Economics

Page: 408

View: 8286

When you want or need to take money out of a retirement plan—whether you’ve inherited the plan or you’re retiring, buying a house, or just in need of money—this book will help you make the best financial choices. Anyone who is approaching retirement, retiring early, changing jobs, or wondering what to do with an inherited plan will benefit from the advice in this book.

Home Business Tax Deductions

Keep What You Earn

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Author: Stephen Fishman

Publisher: Nolo

ISBN: 1413325750

Category: Business & Economics

Page: 488

View: 7444

Understanding tax deductions is an essential part of any home business—without the money saved by taking deductions, many home businesses couldn’t get started or operate profitably. Home Business Tax Deductions covers all you need to know about the new tax laws to make sure you that you are taking advantage of all the tax deductions to which you are entitled. Practical and organized by chapter into the most commonly used home business tax deductions, this book shows how to plan for and take advantage of the tax breaks available to home business owners. From home office expenses to start-up expenses to health care costs to travel, and meals, this book shows home business owners how to deduct their business-related expenses and pay less to the IRS.

How to Probate an Estate in California

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Author: Julia Nissley,Lisa Fialco

Publisher: Nolo

ISBN: 1413324894

Category: Law

Page: 464

View: 1553

Handle probate yourself - and save time and money When you've lost a loved one, the inevitable legal matters can seem difficult and confusing. But in most cases, probate involves little more than routine paperwork to transfer assets to family members and other beneficiaries. How to Probate an Estate in California explains, step-by-step, how to wrap up a basic estate. Whether you do it yourself or work with a lawyer, you'll save money and time. With this easy-to-follow guide, you'll learn how to: read and understand a will or trust determine who inherits if there is no will pay bills and taxes complete and file all necessary court paperwork collect life insurance and other death benefits transfer real estate, securities, vehicles, and other assets to heirs and beneficiaries transfer some assets without probate Even if you hire a lawyer to do some of the paperwork, this book demystifies the process so that you can make informed decisions and communicate intelligently with the attorney about the estate--and save cash in the process. Why pay a lawyer over $15,000 to probate a $500,000 estate, when you can do much of it on your own? Every page of this new edition has been reviewed and revised by a practicing probate lawyer. It provides fresh and accurate information about probating an estate in California.

The Executor's Guide

Settling a Loved One's Estate or Trust

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Author: Mary Randolph

Publisher: Nolo

ISBN: 1413324819

Category: Law

Page: 520

View: 7529

The Executor's Guide shows someone who's wrapping up a loved one's estate how to proceed, step by step. It explains what must be done right away and what can wait, and guides readers through a land of unfamiliar legal procedures and terminology. It covers: preparing for the job of executor or trustee the first steps to take claiming life insurance, Social Security, and other benefits making sense of a will what to do if there is no will how to determine whether probate is necessary--it may not be! managing assets a child inherits taxes an overview of probate court proceedings what you can do to avoid disputes with family members handling trusts looking up your state's laws, and working with lawyers, appraisers, accountants and other experts. The Executor's Guide contains tables that outline key points of each state's laws, the latest information on estate tax laws, and helpful worksheets.

Pensionless

The 10-Step Solution for a Stress-Free Retirement

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Author: Emily Brandon

Publisher: Simon and Schuster

ISBN: 1440590753

Category: Business & Economics

Page: 222

View: 7910

"Provides tips on using a variety of sources, including Social Security, Medicare, and 401(k)s, to build a retirement income"--

Smartest 401(k) Book You'll Ever Read

Maximize Your Retirement Savings...the Smart Way!

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Author: Daniel R. Solin

Publisher: Penguin

ISBN: 1101458046

Category: Business & Economics

Page: 240

View: 2123

This book will change the way you think about and invest in your retirement savings plan-forever. Internationally bestselling author and consumer advocate Dan Solin challenges some basic and misguided assumptions about traditional retirement plans to reveal that: ? 401(k) and 403(b) plans are laden with Porky Pig fees, poor investment choices, and conflicts of interest. You may be better off just saying "No!" ? There is a simple way to make smart choices in these plans- and this book shows you exactly what to do and which funds to avoid. ? There is one investment that could be the key to a successful retirement plan. You can do it yourself, with pre-tax or after-tax money. Create your own, inflation-proof pension plan that is guaranteed to provide you with monthly income for as long as you live, and beyond! Smart Investing is not complicated. You have the power to make meaningful changes to your retirement savings plan-no matter what your age or financial status. "If you haven't taken a recent look at what your own retirement investments are doing and-perhaps even more important-how they are put together, reading Solin's smart little book might provide the impetus for action." -Miami Herald

Keynes's Way to Wealth: Timeless Investment Lessons from The Great Economist

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Author: John F. Wasik

Publisher: McGraw Hill Professional

ISBN: 0071815473

Category: Business & Economics

Page: 195

View: 6981

"How John Maynard Keynes became one of the greatest stock investors of all time--and how you can replicate his successKeynes was not only one of the most influential economists of the 20th Century but also a savvy investor who financially advised Winston Churchill and FDR.Keynes's Way to Wealth presents the legendary economist's most powerful investment principles and strategies, including buying quality stocks and holding them, trading commodities, ignoring short-term news, building portfolios with opposed risks, the upside to being a contrarian, and the power of dividends.Including original research from the Keynes Archive at King's College, the book dissects what Keynes owned, how he bought and sold, and how his theories guided his decisions throughout his life. Ultimately, this is a guide to the portfolio management style of the most successful investors in the world, such as Benjamin Graham, Warren Buffett, and Charles Munger--all of whom have adopted similar methods as Keynes.John Wasik has covered investor protection issues for more than a quarter century and won 18 awards for his work, most of it for investigations conducted during his 15-year tenure as a special projects editor at Consumers Digest magazine. "--

The Complete Guide to IRAs and IRA Investing

Wealth-Building Strategies Revealed

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Author: Martha Maeda

Publisher: Atlantic Publishing Company

ISBN: 1601382022

Category: Business & Economics

Page: 360

View: 8296

As more and more baby boomers prepare to retire and as people seem to be retiring at an earlier age, the importance of saving for retirement has become increasingly apparent. Many people find themselves worrying that they will not be able to maintain their current life style once they retire. However, the strategies provided in this book will help you turn your IRA into a wealth-building tool. The Complete Guide to IRAs and IRA Investing will show you how to take control of your investment future and make sure your investments are performing for you. You will learn about Roth IRAs, traditional IRAs, SEP IRAs, SIMPLE IRAs, and self-directed IRAs, and you will learn how to choose the right plan for you. You will learn about the Economic Growth and Tax Relief Reconciliation Act of 2001, rules regarding distribution, rollovers, transfers, conversions between accounts, valid adjustments, adjusted gross income, annual contribution limits, the advantages and disadvantages of the various IRAs, potential penalties, tax deductible contributions, myths and truths about IRA investing, and IRS guidelines. In addition, we will show you how to open an IRA; how to choose the right financial advisor for you; how to manage vital information and deadlines; how to set up your account with a custodian or IRA administrator to deal with the day-to-day activities, such as depositing contributions and executing and settling transactions; and how to use your IRA to invest in mutual funds and stocks. You will also read about the specific rules relating to life insurance, collectibles, foreign investments, and real estate and find the answers to common questions, such as How do rate returns affect my retirement income? When should I begin saving? What IRA am I eligible for? This new book will provide you with all the information you need to know about IRAs and IRA investing. The Complete Guide to IRAs and IRA Investing combines essentials, insight, and insider secrets to help you secure financial victory after retirement.

AARP Retire Secure!

Pay Taxes Later--The Key to Making Your Money Last

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Author: James Lange

Publisher: John Wiley & Sons

ISBN: 111824138X

Category: Business & Economics

Page: 336

View: 4263

AARP Digital Editions offer you practical tips, proven solutions, and expert guidance. A comprehensive and easy-to-understand guide to maximizing the benefits of IRAs and retirement assets. Retire Secure, Second Edition offers unbeatable recommendations for addressing the #1 fear facing most readers: Running Out of Money. Retire Secure, Second Edition also shows baby boomers nearing retirement how they can save tens of thousands to over one million dollars by paying taxes later. This practical guide delivers straight forward accumulation and distribution strategies for IRAs, Roth IRAs, the new Roth 401(k) and other retirement plans. More specifically, Lange gives readers tips on how to prepare for expected tax changes in 2010, details on converting to Roth IRAs, New Roth 401(k) and Roth 403(b) rules, and when IRA and retirement plan owners should consider second to die life insurance. Further, this book describes Lange's exceptional estate plan--a plan that has been featured in The Wall Street Journal and many other fine financial journals. This definitive guide enjoys glowing endorsements from Charles Schwab, Larry King, Ed Slott and 60 other financial authors and experts.

Solve Your Money Troubles

Strategies to Get Out of Debt and Stay That Way

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Author: Amy Loftsgordon,Cara O'Neill

Publisher: Nolo

ISBN: 1413323820

Category: Business & Economics

Page: 392

View: 8080

Are you overwhelmed by debt? Facing collection calls, a wage garnishment, car repossession, or lawsuit? Solve Your Money Troubles is a comprehensive guide that provides the practical information you need to take financial control of your life. Learn how to: prioritize debts & create a budget stop harassment by debt collectors negotiate with creditors deal with wage garnishment, car repossession and foreclosure reduce student loan payments know what to expect if a creditor sues decide if bankruptcy is the right option for you, and rebuild your credit. The new edition of Solve Your Money Troubles is updated with the latest legal developments in the world of debt, credit, and bankruptcy. You’ll also find sample letters you can use when negotiating with creditors, worksheets to help you create a plan to repay your debt, and other practical forms to help you get out of debt and make a fresh start.

The Tax and Legal Playbook

Game-Changing Solutions to Your Small-Business Questions

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Author: Mark J. Kohler

Publisher: Entrepreneur Press

ISBN: 161308305X

Category: Business & Economics

Page: 224

View: 8372

The Tax and Legal Playbook: Strategies that Save You Time and Money CPA and Attorney Mark J. Kohler answers the leading tax and legal questions facing small business owners, across all stages of business, and delivers a comprehensive playbook of clear-cut truths, thought-provoking advice, and underutilized solutions to save you time, money, and heartache. You can read this book straight through or as a reference guide—reading the chapters as needed to answer the questions as they arise. You’ll come away wiser and better equipped to make the best decisions for your business, your family, and yourself. Covers: • The ins and outs behind fundamental business decisions • Underutilized tax and legal strategies that can save you thousands • Picking the right legal entity for your business • Common legal scams and deceptions to avoid • Protecting your assets and planning for retirement • Issues are illustrated with entertaining, real-world examples

401(k)s For Dummies

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Author: Ted Benna,Brenda Watson Newmann

Publisher: John Wiley & Sons

ISBN: 1118069803

Category: Business & Economics

Page: 288

View: 4841

Get the most out of your 401(k) in any economy Filled with sample 401(k) portfolios for every stage of life Invest your 401(k) money wisely and make the most of your retirement Want to know what kind of investment mix you need to make your retirement money grow? Don't know what to do with a 401(k) account from your last job? Worried that your company's 401(k) plan doesn't cut it? Relax! This simple, plain-English guide shows you how to manage your accounts, minimize your risks, and maximize your returns. The Dummies Way * Explanations in plain English * "Get in, get out" information * Icons and other navigational aids * Tear-out cheat sheet * Top ten lists * A dash of humor and fun

Estate Planning for Blended Families

Providing for Your Spouse & Children in a Second Marriage

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Author: Richard E. Barnes

Publisher: Nolo

ISBN: 1413310184

Category: Law

Page: 346

View: 3363

Targeting parents in second marriages who want to provide for their current spouse and their children from both marriages, the author provides sample estate plans and covers such topics as estate and gift taxes in a second marriage, choosing executors and trustees, the latest federal and state laws, and much more. 15,000 first printing. Original.

How to Make Your Money Last

The Indispensable Retirement Guide

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Author: Jane Bryant Quinn

Publisher: Simon and Schuster

ISBN: 1476743789

Category: Business & Economics

Page: 384

View: 5103

Turn your retirement savings into a steady paycheck that will last for life with Jane Bryant Quinn’s “‘how to’ book that covers every phase of retirement finance. Bottom line, anyone on the retirement track or in retirement should own this book” (Huffington Post). Today, people worry that they’re going to run out of money in their older age. That won’t happen if you use a few tricks for squeezing higher payments from your assets—from your Social Security account (find the hidden values there), pension (monthly income or lump sum?), home equity (sell and invest the proceeds or take a reverse mortgage?), savings (should you buy a lifetime annuity?), and retirement accounts (how to invest and—critically—how much to withdraw from your savings each year?). The right moves will not only raise the amount you have to spend, they’ll stretch out your money over many more years. With this book, financial expert Jane Bryant Quinn, “America’s dean of personal finance” (Forbes), explains how to turn your retirement funds into a paycheck that will last for life. She also shows how to look at your savings and investments in a new way. If you stick with super-safe choices the money might not last. You need safe money to help pay the bills in your early retirement years. But to ensure that you’ll still have spending money ten and twenty years from now, you have to invest for growth, today. Quinn shows you how. At a time when people are living longer, yet retiring with a smaller pot of savings than they’d hoped for, this book will become the essential guide—“a hugely valuable resource for readers, wherever they are on their personal financial timeline” (Publishers Weekly, starred review).

The New Money Book of Personal Finance

Saving, Planning, Investing, and Borrowing -- All the Information You Need in One Easy-to-Follow Guide

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Author: Money® Magazine

Publisher: Business Plus

ISBN: 0446554871

Category: Business & Economics

Page: 496

View: 5920

Since its publication, the original Money Book of Personal Finance has become America's definitive, all-in-one guide to total financial well-being at every stage of life. Now, from the nation's foremost magazine on everyday money management, comes an authoritative reference that's newer, bigger, and even better. Fully revised and updated with fresh information for a new economy and packed with helpful, easy-to-understand tables, charts, and quizzes, it will show you how to: Take control of your finances-compute your assets, your liabilities, and your net worth Invest with confidence-learn the six golden rules that keep you in check and on track Lower your taxes-conserve your earnings with an easy, can't-fail game plan that works for almost every tax bracket Buy the life insurance policy right for you-solidify your personal finances with this important move Get a first mortgage by borrowing-learn what to do when you don't have the cash for the down payment Slash your homeowners insurance costs-discover the eight little tips that make a big difference

Managing Your Money All-In-One For Dummies

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Author: Consumer Dummies

Publisher: John Wiley & Sons

ISBN: 9780470481486

Category: Business & Economics

Page: 696

View: 7729

Want to take control of your finances once and for all? Managing Your Money All-in-One For Dummies combines expert money management with personal finance tips. From credit cards and insurance to taxes, investing, retirement, and more, seven mini-books show you how to improve your relationship with money — no matter your age or stage of life. This easy-to-understand guide shows you how to assess your financial situation, calculate debt, prepare a budget, trim spending, boost your income, and improve your credit score. You’ll find ways to run a money-smart household, reduce waste, and cut medical and transportation expenses as you tackle your debt head-on and develop good saving habits. You’ll even get help choosing the right mortgage and avoiding foreclosure, saving for college or retirement, and determining your home-, car-, and life insurance needs. Discover how to: Take charge of your finances Manage home and personal finances Lower your taxes and avoid tax audits Plan a budget and scale back on expenses Deal with debt and negotiate with creditors Save and invest safely for college or retirement Protect your money and assets from fraud and identity theft Ensure a comfortable retirement Plan your estate and safeguard a will or trust Managing Your Money All-in-One For Dummies brings you seven great books for the price of one. Can you think of a better way to start managing your money wisely?

Nolo's Essential Retirement Tax Guide

Your Health, Home, Investments & More

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Author: John Suttle

Publisher: Nolo

ISBN: 1413315488

Category: Business & Economics

Page: 416

View: 4899

Retire and keep your hard-earned cash! When you retire, your potential tax deductions change considerably -- and if you're a baby boomer on your way to retirement, you'll want to keep your hands on as much of your money as possible. That's why you need Nolo's Essential Retirement Tax Guide, the first book of its kind that helps boomers and their parents understand their tax benefits in plain English. Find out how to save on taxes, step by step, by: doing volunteer work accounting for increased medical expenses buying a boat, RV or second home making charitable donations paying for a grandchild's education living off your investments selling or renting out a home starting a business giving financial help to your family With Nolo's Essential Retirement Tax Guide, you get winning strategies and the legal information you need to keep the tax collector happy while saving you a bundle -- so you can have enough money to enjoy your golden years.

The Retirement Savings Time Bomb . . . and How to Defuse It

A Five-Step Action Plan for Protecting Your IRAs, 401(k)s, and Other Retirement Plans from Near Annihilation by the Taxman

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Author: Ed Slott

Publisher: Penguin

ISBN: 1101589965

Category: Business & Economics

Page: 416

View: 1412

The best source of IRA advice" (The Wall Street Journal), extensively revised and updated for new tax rules With the possible exception of home property, the most valuable asset for most Americans is their retirement fund. Yet most people don't know how to avoid the costly mistakes that cause a good chunk of those savings to be lost to needless and excessive taxation. Now, in this fully updated edition of The Retirement Savings Time Bomb, renowned tax advisor Ed Slott explains in clear-cut layman's terms what people need to know to keep their money and pass it on to their families. This book is for every American with savings who is planning to retire.