How Much Is Enough?
Balancing Today′s Needs with Tomorrow′s Retirement Goals
Paperback Engels 2013 9781118493632Samenvatting
The numerical and emotional aspects of planning for retirement
This hands–on resource demystifies financial planning by giving the Enough number: an exact figure specific to personal goals, which can be a target number to aim for in retirement. It shows what changes will help to achieve the number, and offers an understanding of hidden motivations when it comes to spending money. It also provides an overview of the multitudes of investments available and provides conservative guidelines that will help make money, save taxes, and sleep at night.
Offers a clear understanding of the different attitudes toward money and includes strategies to achieve goals
Includes the tools needed to save for later and enjoy rewards today
Contains a method for tracking money to help get your finances where you want them to be
Covers the details of what it takes to work effectively with a financial advisor
Written by Diane McCurdy, a noted financial planner, speaker, author, and founder of McCurdy Financial Planning
This hands–on guide walks you through a proven program that is designed to keep you on the right track to financial success.
Specificaties
Lezersrecensies
Inhoudsopgave
<p>Acknowledgements xiii</p>
<p>Introduction xvii</p>
<p>PART ONE: WHAT IS ENOUGH?</p>
<p>Chapter 1: Your Money and Your Life 3</p>
<p>How Did You Score? 8</p>
<p>Two Attitudes, One Family 15</p>
<p>Money Myths 17</p>
<p>Chapter 2: Where It Goes 21</p>
<p>Tracking Your Cash Flow 22</p>
<p>Chapter 3: What You Want 37</p>
<p>What Do You Want, Anyway? 38</p>
<p>Wish List Favourites 45</p>
<p>Yearly Goals 49</p>
<p>Chapter 4: What s Enough for You 55</p>
<p>The Magic Number 55</p>
<p>Crunching the Numbers 56</p>
<p>What Your Enough Number Means 72</p>
<p>PART TWO: GETTING ENOUGH</p>
<p>Chapter 5: Getting on Track 77</p>
<p>Needs vs. Wants 78</p>
<p>Budgeting I ll Try to Be Gentle 81</p>
<p>Chapter 6: Finding Financial Advice 95</p>
<p>Finding a Good Financial Advisor 96</p>
<p>Trust, Two Ways 98</p>
<p>Your Risk Profi le 104</p>
<p>Chapter 7: How to Make Your Money Grow 109</p>
<p>Loaners 110</p>
<p>Owners 115</p>
<p>Owner Investments: The Basics 119</p>
<p>Some Rules for Investing 134</p>
<p>Chapter 8: Registered Plans 137</p>
<p>Registered Retirement Savings Plans 138</p>
<p>Registered Education Savings Plans (RESPs) 148</p>
<p>Tax–Free Savings Accounts (TFSAs) 152</p>
<p>Saving Outside the Government Plans 157</p>
<p>Chapter 9: Ages and Stages 161</p>
<p>Age 20 35 161</p>
<p>Age 35 50 170</p>
<p>Age 50 65 Plus 172</p>
<p>Chapter 10: Family Finances 183</p>
<p>Teaching Kids the Value of Money 183</p>
<p>The Money Challenge 184</p>
<p>Chapter 11: I ve Got Enough (Now What?) 193</p>
<p>A Changing Concept of Retirement 194</p>
<p>Retirement: The Financial Side 203</p>
<p>Chapter 12: Estate Planning 227</p>
<p>What Happens if I Don t Have a Will? 228</p>
<p>Laying the Groundwork 231</p>
<p>What Happens to My Business? 240</p>
<p>How Do I Choose My Executor? 243</p>
<p>How to Save Tax and Probate on Your Estate 244</p>
<p>Chapter 13: Tips and Thoughts to Make It Work 245</p>
<p>Twenty Thoughts to Help You Stay on Track 246</p>
<p>Twenty Tips to Help You Save Money 247</p>
<p>Appendix: Financial Planning Professional Designations 249</p>
<p>Index 251</p>
<p>About the Author 261</p>
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