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Rating Your Postretirement Revenues | |
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What's Enough? | |
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How Long Will You Live? | |
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Playing the Odds | |
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What's Up Your Family Tree? | |
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Do You Have Champagne or Ginger Ale Tastes? | |
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What Did You Expect? | |
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Expenses You Can Kiss Goodbye | |
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How Long Will Your Money Last? | |
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The Certainty of Inflation and Taxes | |
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Emptying Your Nest Egg | |
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Putting It All Together | |
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The Least You Need to Know | |
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Richer Than You Think? | |
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Income, Income Everywhere | |
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Retirement's Your Rainy Day | |
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Pensions and IRAs | |
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Social Security | |
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Putting Your Income Together | |
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Income on Demand | |
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Schedule of Income | |
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The Least You Need to Know | |
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Social Security Benefits: Now or Later? | |
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ABCs of Social Security | |
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What's Coming to You | |
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Retirement Age | |
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Applying for Benefits | |
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The Sooner the Better for Benefits | |
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Delayed Gratification Has Its Reward | |
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For Better or For Worse, In Sickness and In Health | |
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Spousal Benefits | |
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Widows and Widowers | |
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Those Who Are Divorced | |
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What Does the Government Take Back in Taxes? | |
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The Least You Need to Know | |
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Remaining in the Rat Race...at Least a Little Longer | |
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Working...The Second Time Around | |
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It's Your Right to Work | |
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If You've Been Discriminated Against | |
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Protection for Your Disability | |
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Does It Pay to Work? | |
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Medical Coverage at 65 | |
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Medicare Means Minimum Protection | |
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Close the Gap With a "Medigap" Policy | |
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Medicare-HMOs | |
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Medicare+Choice | |
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Getting What's Yours | |
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Build Up Your Pension | |
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Plenty of Perks | |
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Tax Cost or Savings From Employer-Paid Perks | |
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The Least You Need to Know | |
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Part-Time Work for Full-Time Rewards | |
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Old Gray Mare Ain't What She Used to Be | |
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Set Your Own Hours | |
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Finding Part-Time Work | |
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Temping | |
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Do You Have the Temperament to Temp? | |
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Benefits and Burdens of Temping | |
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Join the Ranks of Consultants | |
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Keeping Consulting to a Limit | |
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Marketing Your Services | |
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Drawing Up a Consulting Agreement | |
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The Least You Need to Know | |
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Starting Over With Second (and Third) Careers | |
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Preplanning for Your Postretirement Career | |
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What Do You Want to Do When You Grow Up? | |
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Assess Your Strengths and Weaknesses | |
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Get Help | |
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Turn Volunteer Work Into a Paid Job | |
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Retooling Your Job Skills | |
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Getting the Job You Want | |
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Locating Openings | |
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A Winning Resume and Cover Letter | |
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An Interview They'll Remember | |
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The Least You Need to Know | |
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Starting Your Own Business at Home | |
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Is Working From Home for You? | |
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Good Reasons for Working at Home | |
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Drawbacks to Working From Home | |
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Businesses You Can Easily Run From Home | |
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Do Market Research Before You Begin | |
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What It Costs to Get Started | |
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Tax Savvy for Your Home Business | |
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Getting Your Business Started | |
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Make a Business Plan | |
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Finding the Cash to Get Started | |
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Setting Up Your Business Space | |
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A Place of Your Own | |
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Zoning Restrictions Can Cost You | |
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Insurance Needs | |
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Selling Yourself | |
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The Least You Need to Know | |
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Buying a Packaged Business | |
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What's Franchising All About? | |
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What a Franchise Can Do for You | |
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Is Franchising for You? | |
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Finding a Perfect Match | |
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Before You Sign on the Dotted Line | |
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Turnkey Businesses Aren't Turkeys | |
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Buying an Existing Business | |
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Finding the Business You Want to Buy | |
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Investigating the Business | |
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Negotiating the Sale | |
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Getting the Keys to the Company | |
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"Business Opportunities" Beckon | |
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Finding a Business Opportunity | |
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Look Out for Scams | |
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The Least You Need to Know | |
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Turn Your Leisure Time Into Dollars | |
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Combining Your Business With Pleasure | |
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Finding the Business Within Your Hobby | |
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Setting Up Your Hobby as a Business | |
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To Market, To Market | |
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Trade Shows and Flea Markets | |
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Hang Ten on the Web | |
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Spread the Word | |
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Keeping Out of Tax Hot Water | |
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Heads, Uncle Sam Wins; Tails, You Lose | |
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Proving You're in It for the Money | |
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Be Presumptuous | |
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The Least You Need to Know | |
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Making Your Investments Work for You | |
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Asset Allocation After Retirement | |
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Reworking Your Portfolio | |
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Going for Growth or Income or Both | |
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You Need Growth | |
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You Need Income | |
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You Need to Consider Taxes | |
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Asset Allocation Models | |
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| |
Relying on Professional Financial Advice | |
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Study and Learn | |
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Financial Planners Can Serve a Purpose | |
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| |
Stockbrokers Are Not All Created Equal | |
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Reading the Fine Print | |
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The Least You Need to Know | |
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Turn Your Home Into Retirement Income | |
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More Than Just a Place to Live | |
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Downsizing | |
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What You'll Save | |
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Tax Rules Favor Downsizing | |
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Mortgaging Options to Consider | |
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Reverse Mortgages | |
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Other Home Equity Conversion Options | |
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Traditional Mortgages May Be the Ticket | |
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The Least You Need to Know | |
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Be a Landlord | |
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Owning a Two-Family Home | |
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Being a Landlord | |
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Tax Savings to Pocket | |
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Getting Income From Your Vacation Home | |
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Your Down Time Is Up-Rental Time | |
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Tax Angles to Renting Your Vacation Home | |
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Investing in Real Estate | |
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Investing Through a REIT | |
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Investing Through a Limited Partnership | |
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Other Real Estate Investments May Be for You | |
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The Least You Need to Know | |
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Getting an Annuity | |
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Commercial Annuities: What They Can Do for You | |
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Getting the Best of Both Worlds With Private Annuities | |
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'Tis Better to Give, but You'll Also Receive | |
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| |
Charitable Remainder Trusts | |
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Pooled Income Funds | |
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Charitable Gifts of Your Home | |
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Deferred Gift Annuity | |
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The Least You Need to Know | |
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Pensions Plus | |
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Quick Thinking When You Get a Pink Slip | |
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Early Retirement: Take It or Leave It | |
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| |
How Good Is Good? | |
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Health Benefits | |
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| |
Doing the Math | |
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| |
Look at the Big Picture | |
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| |
Retirement Plan Options | |
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Take 'Em Now or Take 'Em Later | |
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| |
IRAs and Early Retirement | |
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| |
The Least You Need to Know | |
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| |
Pension Payout Options for Married Couples | |
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| |
Protection for Your Spouse | |
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| |
Joint and Survivor Annuities | |
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| |
Your Financial Situation | |
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| |
Remembering Inflation | |
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| |
Preretirement Survivor Annuities | |
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| |
Waiving Spousal Protection | |
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Should You Waive This Protection? | |
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How to Waive This Protection | |
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What's the Tax Bite on Your Benefits? | |
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| |
What Happens If You Divorce? | |
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The Least You Need to Know | |
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Pay Now or Pay Later | |
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When Your Benefits Begin | |
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Early Benefits | |
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Delayed Benefits | |
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If You Get a Lump Sum | |
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Paying Tax Now | |
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Employer Stock Included in Your Distribution | |
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| |
Rolling Over Your Benefits to an IRA | |
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| |
Tax Implications of a Rollover | |
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| |
Should You Make a Rollover? | |
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| |
Inheriting Retirement Benefits | |
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| |
Inheriting Benefits From a Spouse | |
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Inheriting Benefits From Someone Other Than a Spouse | |
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| |
The Least You Need to Know | |
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Making Your IRA Last As Long As You Want | |
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| |
Making Your IRA Grow | |
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| |
Re-Examining Your IRA Accounts | |
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| |
Building Up Your IRA If You Have a Postretirement Job | |
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| |
Taking Money Out of Your IRA | |
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When You Can or Must Take Money from Your IRA | |
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| |
59 1/2 | |
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70 1/2 | |
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| |
Effective Withdrawal Strategies You Can Follow | |
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| |
Roth IRAs: Retirement Saver for Any Age | |
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| |
Inheriting an IRA | |
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The Least You Need to Know | |
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Avoiding Catastrophe | |
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Keeping Spending in Line | |
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Budgeting So You Won't Go Broke | |
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| |
Crafting Your Budget | |
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| |
Stick to Your Budget | |
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| |
Keeping Your Spending in Line | |
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Money Saving Ideas | |
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Insurance Costs | |
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| |
Food | |
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| |
Credit Card Smarts | |
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| |
Entertainment | |
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| |
Strategies to Help With Monthly Spending | |
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| |
Hanging Up on Telemarketing Frauds and Other Scams | |
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| |
Spotting the Scam Before It Gets You | |
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| |
Dealing With Suspected Fraud | |
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| |
The Least You Need to Know | |
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| |
Planning for Long-Term Health Care Needs | |
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| |
Why You'd Better Plan for Long-Term Care | |
| |
| |
Insuring for Nursing Home (or In-Home) Care | |
| |
| |
Choosing a Policy | |
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| |
Deducting Your Costs | |
| |
| |
Choosing a Living Arrangement for the Long Term | |
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| |
Understanding When Uncle Sam Will Pay for Nursing Home Bills | |
| |
| |
Medicaid | |
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| |
Veteran's Benefits | |
| |
| |
Living Wills and Other Advance Medical Directives | |
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| |
The Least You Need to Know | |
| |
| |
Using Life Insurance for Protection | |
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| |
Life Insurance Primer | |
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| |
Shopping for Life Insurance | |
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| |
Paying for Life Insurance | |
| |
| |
Reviewing Your Insurance Needs | |
| |
| |
Downsizing Your Insurance Coverage | |
| |
| |
Increasing Your Coverage | |
| |
| |
Using Life Insurance While You're Alive | |
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| |
Borrowing on Your Life Insurance | |
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| |
Accelerating Death Benefits | |
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| |
The Least You Need to Know | |
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| |
Money Management: Keeping Things Out of Court | |
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| |
Letting Someone Else Manage Your Assets | |
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| |
Joint Accounts | |
| |
| |
Durable Powers of Attorney | |
| |
| |
Naming an Agent | |
| |
| |
Powers Under a Durable Power of Attorney | |
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| |
Living Trusts | |
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| |
What Living Trusts Can and Can't Do for You | |
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| |
How Living Trusts Stack Up | |
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| |
Other Arrangements for Handling Your Money in Different Circumstances | |
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| |
The Least You Need to Know | |
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| |
It Pays to Be Old | |
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| |
Discounts for Seniors | |
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| |
Saving on Housing Costs | |
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| |
Bringing Down Your Real Estate Tax Bill | |
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| |
Special Assistance With Fuel and Home Improvements | |
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| |
Cashing in on Your Age | |
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| |
Calendar of Discounts for Seniors | |
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| |
Banking on Your Age | |
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| |
The Least You Need to Know | |
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| |
Special Income Tax Breaks for Seniors | |
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| |
Taking a Higher Standard Deduction | |
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| |
Take Credit for Being Older | |
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| |
Find Your Base Amount | |
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| |
Reduce the Base Amount by Certain Income | |
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| |
Apply the 15% Credit to Your Final Base Amount | |
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| |
Writing Off Your Doctor's Bills and Other Medical Expenses | |
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| |
What's Deductible | |
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| |
What's Not Deductible | |
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| |
Ideas for Getting the Most Tax Mileage From Your Medical Expenses | |
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| |
Estimated Tax Penalty Relief for Retirees | |
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| |
Tax Rules You Can (or Must) Use | |
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| |
The Least You Need to Know | |
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| |
Leaving Something to Your Heirs | |
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| |
Where There's a Will | |
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| |
Why You Need a Will | |
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| |
Will Speak | |
| |
| |
What You Want Your Will to Do | |
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| |
Passing Property Properly | |
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| |
Naming Names | |
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| |
Other Clauses You Might Include in Your Will | |
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| |
Making Things Easier When You Die | |
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| |
Instructions for Your Family About Your Funeral | |
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| |
Getting Things in Order | |
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The Least You Need to Know | |
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| |
Beyond Wills | |
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| |
Will Alternatives | |
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| |
Joint Ownership | |
| |
| |
Joint Bank Accounts | |
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| |
Joint Brokerage Accounts | |
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| |
Joint Stocks, Bonds, and Mutual Fund Shares | |
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| |
Real Estate Held Jointly | |
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| |
Beneficiary Designation | |
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| |
Life Insurance | |
| |
| |
Annuities | |
| |
| |
Retirement Accounts | |
| |
| |
Put Your Trust in Trusts | |
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| |
What a Living Trust Can Do for You | |
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| |
What a Living Trust Won't Do for You | |
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| |
The Least You Need to Know | |
| |
| |
Estate Planning for the Rich and Not-So-Rich | |
| |
| |
Everything You Need to Know About Estate Taxes | |
| |
| |
Sizing Up Your Estate | |
| |
| |
Projecting Your Tax Liability | |
| |
| |
Give Now, Save Later | |
| |
| |
Double Your Pleasure | |
| |
| |
Special Gift Giving Ideas | |
| |
| |
Tax Saving Ideas You Can Use | |
| |
| |
Married People Have Special Planning Options | |
| |
| |
Getting Life Insurance Out of Your State | |
| |
| |
Skipping Generations | |
| |
| |
The Least You Need to Know | |
| |
| |
Retiree Resources | |
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Glossary | |
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| |
Index | |