“How Long Can You Survive Living the Life Style You’re Used to If You Should Live to be 70, 80 or even 90 Years Old?”

Will You Outlive Your Money, or… Will Your Money Outlive You?
Americans are living longer. It’s not uncommon to see people living into their 80s, 90s, and even reaching the century mark. In fact, 100-year olds are the fastest-growing age group in the nation.

Those who say goodbye to the 9-to-5 grind at age 65 may have 20, 30 or more years in retirement.

Trouble is, they’ll also need more in the retirement kitty to support that new lifestyle. The monthly check from Social Security will help, but it likely won’t take care of everything.

That old standby, the traditional company pension paid for by your company, continues to disappear from the financial landscape. Increasingly, the onus is on you to prepare for your golden years to make sure they are golden.

How you handle your finances will determine you’re not only your dreams but your lifestyle as well!

How well you manage your finances will determine whether you have the means to fulfill the dreams that you finally have time to pursue, be it traveling, spending more time with family, continuing your education, or moving into that beachfront property you’ve always wanted.

On the other hand, you could wind up impoverished. According to a recent report from the American Association of Retired Persons (AARP), 40 percent of Americans over age 60, regardless of their current economic circumstances, will experience poverty at some point in their later years. It’s an ominous statistic.

Don’t be one of the millions living in retirement poverty.

You don’t want to be one of the millions of Americans in poverty. Neither do most people. With approximately 76 million Americans now age 50 and over, retirement is suddenly not so far away. It’s not surprising, then, that retirement has become such a hot topic. A plethora of information is available-from books, Web sites, seminars, magazines, newsletters, and software. You don’t have to search hard to find advice on the subject.

According to many surveys, for the most part people are not saving or not saving enough for retirement, because they are operating blindly- they haven’t calculated how much money they need to save.

Many are consumed with instant gratification, whereas others are trying to make ends meet and think they can’t afford to look beyond today to tomorrow.

Take a reality check…

What seems to have gotten lost in all the retirement hubbub is that you can start small. Even saving $20 a week, or $1,040 a year, has the potential of growing to $50,000 in 25 years, assuming a 5 percent rate of return. Most everyone can salt away 20 bucks a week if they really want to.

What’s important is to get started saving-and the sooner the better. Time works like magic, growing your money in ways you might never imagine, thanks to the wonders of compounding.

But the truth is that even late starters-those in their mid-50s-are better off than those who don’t plan or put aside any savings.

We’ve put together a step-by-step process you need to follow if you want to retire with the most money possible!

It is a step-by-step process you should follow to get the most money at the time of retirement as possible. And, because we know that half the battle is having the right resources at your fingertips, we’ve included lots of comprehensive tables and a host of invaluable books, software programs, associations, and Web sites you can turn to along the way.

Specifically, this book will show you:

• How to give yourself a Financial Check-up.
• Where you are, where you’re going and how will you get there.
• How to set Goals.
• Creating a budget that works for you.
• How to put a long-term financial goal and Investing plan into action.
• How to increase the money your money makes you.
• Who should take risk and why.
• Your risk tolerance.
• and much more!

Everyone’s Money Book On Retirement Planning will teach you step-by-step, chapter-by-chapter, everything you need to know about money and why you need a plan now! Just take a look:

Figuring Out What You Need (Chapter 1)

Getting Started
The Impact of Inflation
Where Will the Money Come From?
What if You Come Up Short

Social Security (Chapter 2)

When to Tap Social Security
How to Avoid Unpleasant Tax Surprises
Supplemental Security Income (SSI)
Disability Benefits
Survivors Benefits

Pensions (Chapter 3)

The Lowdown on Pensions
When a Pension Plan Terminates with Insufficient Funds: Are You Protected?
Payout Options
Cash Balance Plans
Cash Balance versus Traditional Defined Benefit Plans

Defined Contribution Plans (Chapter 4)

Types of Plans and How They Work
New Minimum Withdrawal Rules
Why You Should Participate in Your Employer’s Plan
Taking Money Out
Choosing Investments
Asset Allocation
High-Risk Funds
Moderate-Risk Funds
Low-Risk Funds
Self Directed Options
Guidelines for Dividing the Investment Pie
A Look at 403(B)s and 457 Plans

Self-Employed Pension Plans (Chapter 5)

Keogh Plans
Defined Contribution
Defined Benefit
Other Keogh Rules
Simplified Employee Pension (SEP) Plans
Simple IRA
SEP IRA
Making the Choice
Setting Up Your Plan
Shopping Wisely
Rules, Rules, and More Rules: How To Stay Out of Trouble

Individual Retirement Accounts (Chapter 6)

When Contributions are Deductible
Nondeductible IRAs
Roth IRAs
Transferring IRA Funds
The New Rollovers Under Changes in the Law
Why You Can’t Beat an IRA
IRA Withdrawal Rules
Investing IRA Funds
Choosing a Custodian

Where You Should Invest beyond Tax-Sheltered Accounts (Chapter 7)

Stocks
Categories of Stocks
Bonds
How Bond Prices Move
The Meaning of Yield
Types of Bonds: Choosing the Best for You
Government Agency Securities
Mortgage Backed Securities
Municipal Bonds
Corporate Bonds
Zero-Coupon Bonds
Convertible Bonds
Junk Bonds
Mutual Funds
Load versus No-Load Funds
Selecting a Fund within a Category
Certificates of Deposit (CDs)
Annuities
Fixed versus Variable Annuities
Annuity Fees and Expenses
Getting the Right Mix
The Investment Risk Pyramid

Evaluating an Early Retirement Offer (Chapter 8)

Tough Question to Ask
Home Sweet Home
Making the Choice: It’s All Yours

Getting the Best Deal on Insurance (Chapter 9)

Types of Insurers
Stock Companies
Mutual Companies
Cooperatives
Government Entities
Insurance Ratings Systems
Different Ways Insurance is Offered
Life Insurance
How much is enough
Types of Life Insurance
Health Insurance
Disability Insurance
Long-Term Care Insurance
What to look for in a policy

Enjoying Retirement (Chapter 10)

Investing and Spending During Retirement
Housing Options Here and Abroad
The Fun Stuff
Continuing Education
Hobbies
Volunteering
Traveling

Overview:

As you can see, 10 chapters of vital information that will make a dramatic difference in dealing with your retirement planning needs.

Hundreds of resources will help you turn concepts into action. Names, addresses, phone numbers, websites and email addresses all waiting to help you in obtaining our ultimate financial dream.

Everyone’s Money Book On Retirement Planning gives you practical tools to help you begin right now analyzing and strategizing your financial needs.

Includes step-by-step instructions on everything you need to know about retirement and much more.

38 worksheets, charts and graphs including;

• Monthly Budgeting Worksheet
• Retirement Expenses Worksheets
• Capital Accumulation Worksheet
• Annual Savings Worksheet
• Request for Earnings and Benefit Estimate Statement
• Sample Summary Annual Report
• Investment Risk Pyramid
• Death Expense Worksheet
• Survivors Worksheet
• Disability Income Worksheet
• and Much More!

Use Everyone’s Money Book On Retirement Planning to help establish a solid retirement plan for your financial success! Order your copy today!

100% Satisfaction Guarantee!

As with all of our products we offer a 100% Satisfaction Guarantee! If you are not convinced the information you receive in Everyone’s Money Book On Retirement Planning is worth the purchase price of the product, just contact us within 30 days and we’ll refund 100% of your purchase price. No questions asked.

The good news is that you’re reading this page and that’s a valuable first step.When you invest $15.95 for this book, your next move will be more challenging.

First, you have to set goals. What’s the best-case scenario? How would you really like to spend your retirement years? What matters most? Perhaps the biggest questions are: How much will it take to finance your dreams and where will the money come from?

And if there’s a shortfall, what are your options? For many people, investing is still a mystery. How do you choose the right savings vehicles? What are the risks and potential rewards? How do you tap your investments once you’ve retired? I’ll help you answer the many questions surrounding your retirement. There is much to be considered.

If you’re given an early retirement offer, do you accept it? What are the financial implications? Once you’re no longer under your employer’s wing, how will you continue to protect yourself through life, health, disability, and long-term care insurance? How much will you need, and where can you find the best deals? What can you expect from Medicare and Medicaid?

Retire with Style!

Then there’s the whole issue of quality of life-enjoying retirement.

One of the biggest questions is: Where will you live? There are a host of housing options. I’ll explain the advantages and limitations of each so you can decide for yourself which is likely to be your best bet.

Retirement is also a time of opportunity-to continue your education, explore hobbies, volunteer, travel, or do whatever else makes you happy. I’ll explore those areas, too.

Without question, the notion of retirement is exhilarating and overwhelming at the same time. There’s much to be sorted out. That’s what this book is for. Each chapter is written simply and contains additional resources, such as links to organizations, Web sites, and publications that will help you along.

I trust that this retirement book is unlike any other you find on the market in its comprehensiveness and ability to help you meet your retirement goals.

Why do you need Everyone’s Money Book On Financial Planning?

Regardless you old you are, you need to start a solid retirement plan. No one except for you can plan your financial success or failure. You need the Everyone’s Money Book On Retirement Planning, your children need it and your children’s children will need it. It’s solid financial advice that will help you achieve a solid financial plan.

With all this in mind, get ready to take control of your financial destiny. It starts now. No one will ever care about your personal financial situation as much as you do!

This is your chance to make the best of your financial potential. Take the next step and order!