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