Financial Planning for Older People

A Comprehensive Guide to Decision Making

Author: Harry D. Kerrigan,John Kerrigan

Publisher: N.A

ISBN: 9781845861124

Category: Law

Page: 250

View: 4434

A guide to the legal issues surrounding money and finances for older people or those planning for older age Many of us leave it all too late to plan for retirement, or are caring for elderly relatives and face difficult decisions. The legal complexities are daunting. This guide by John Kerrigan, a professional solicitor, is written for law students and lawyers, financial advisors and individuals who are planning for retirement, retired or caring for retired people. It clearly explains the issues and sets you on the path to sound financial advice in the context of the law.

Essential Retirement Planning for Solo Agers

A Retirement and Aging Roadmap for Single and Childless Adults

Author: Sara Zeff Geber, PhD

Publisher: Mango Media Inc.

ISBN: 1633537692

Category: Business & Economics

Page: N.A

View: 8664

Over fifty, retiring and childless? Are you among the fifteen million Americans over fifty and childless? Solo aging gracefully and a happy retirement can be yours! Baby Boomers retiring: American Baby boomers are aging and fifteen million of them never had children. Who will take care of them? Unprecedented in U.S. history, this demographic will create challenges for these individuals as well as for society. Essential Retirement Planning for Solo Agers is a passionate exploration of the path ahead for “Solo Agers.” It includes choices in housing, relationships, legal arrangements, finances and more – and urges the solo ager to plan for the future as though their life and well-being depended on it, as author Sara Zeff Geber believes it will! Solo Agers aging well: In Essential Retirement Planning for Solo Agers, Sara Zeff Geber, a Ph.D. in Counseling and Human Behavior and a Certified Retirement Coach, coins the term “Solo Ager” to refer to the segment of society that either does not have adult children or is single and believes they will be on their own as they grow older. However, it’s not just the Solo Ager that can learn from this book. Financial advisors, elder law and estate attorneys, senior care managers, and others whose clientele is on the far side of sixty will benefit as well. Retirement and good living: With a compelling and readable style, Gerber takes her readers on a journey, starting with the choice for childlessness and why so many boomers were able to make that decision. She then reviews the role of adult children in an aging parent’s world and suggests ways in which Solo Agers can mitigate the absence of adult children by relationship building and rigorous planning for their future. Geber shares her expertise on what constitutes a fulfilling older life and how Solo Agers can maximize their opportunities for financial security, physical health, meaning and purpose in the second half of life and, finally, planning for the end game. Retirement guide: Through stories and narrative, the author explores housing choices, relationships, and building a support system. You will learn about: • different levels of care and independence in various types of living arrangements • how to initiate discussions among friends and relatives about end-of-life treatment • ‘what if’ scenarios • who to talk to about legal and financial decisions Geber's stories of Solo Agers are gleaned from friends and clients in a variety of circumstances. Each one demonstrates decisions and choices these people have made and illustrates the importance of thinking ahead and taking action now. Essential Retirement Planning for Solo Agers is pragmatic and provocative, but softened with humor. Many of the chapters include worksheets or checklists, encouraging the reader to go beyond imagining and begin his or her own planning for the voyage ahead.

The Money Book for Freelancers, Part-timers, and the Self-employed

The Only Personal Finance System for People with Not-so-regular Jobs

Author: Joseph D'Agnese,Denise Kiernan

Publisher: Crown Business

ISBN: 0307453669

Category: Business & Economics

Page: 306

View: 1543

Shares strategies for accumulating real-world wealth while staying independently employed, distilling lessons from a variety of sources effectively used by the authors during the recent financial crisis.

California Guide to Tax, Estate & Financial Planning for the Elderly

Author: Stuart D. Zimring,Donna R. Bashaw

Publisher: LexisNexis

ISBN: 1579118852

Category: Law

Page: 1292

View: 3733

The first baby boomers are approaching retirement age. They are mapping out their own future, providing for children and grandchildren, and caring for aging parents. And they all have lots of questions - about financial planning, health care, charitable gifts, nursing homes, housing and a host of issues related to aging. You also need to meet the needs of your current elderly clients by keeping abreast of this rapidly evolving area of practice. Now, thanks to California Guide to Tax, Estate & Financial Planning for the Elderly, you'll be able to answer their questions and act in their behalf, whether you specialize in elder law and estate planning or maintain a general practice. This newly published compendium from LexisNexis places the range of issues facing the elderly in the context of California law. It's your single source for in-depth discussions of such issues as: • Medi-Cal • Conservatorships • Wills and trusts • Income and estate taxes • Estate planning • Nursing homes and home health care agencies • Planning for incapacity California Guide to Tax, Estate & Financial Planning for the Elderly has been specifically designed to help increase your effectiveness and productivity. • A glossary of acronyms at the beginning of the book will help you identify state and federal agencies and initiatives. • A section of common client questions that begins each chapter will lead you directly to the information you'll use most often. • Hundreds of practice notes throughout the text provide useful tips and suggestions, while cautionary notes alert you to areas of special concern. • Checklists at the end of each chapter will help ensure that you have addressed your client's needs methodically and completely.

A Comprehensive Guide to Geriatric Rehabilitation

[previously entitled Geriatric Rehabilitation Manual]

Author: Timothy L. Kauffman,Ronald W. Scott,John O. Barr,Michael L. Moran

Publisher: Elsevier Health Sciences

ISBN: 0702060585

Category: Medical

Page: 528

View: 7392

Now in its third edition, this trusted clinical guide enables both the busy practitioner and student to review or to learn about a range of pathologies, conditions, examinations, diagnostic procedures, and interventions that can be effectively used in the physical rehabilitation of older people. It presents a broad overview of age-related physiological changes as well as specific professional discipline perspectives. Organized into eleven distinct and interrelated units, the first unit begins with key anatomical and physiological considerations seen with aging which have significant impact on the older person. The second and third units go on to review important aging-related conditions and disorders of the musculoskeletal and neuromuscular/neurological systems respectively. Neoplasms commonly encountered in older people are the focus of the fourth unit; while aging-related conditions of the cardiovascular, pulmonary, integumentary and sensory systems are presented in units five through seven. Unit eight highlights a range of specific clinical problems and conditions commonly encountered with older patients. Critically, all of these units emphasize important examination and diagnostic procedures needed for a thorough evaluation and stress interventions that can be of significant benefit to the older patient. The ninth unit presents select physical therapeutic interventions that are especially important in managing rehabilitative care. Key societal issues related to aging are discussed in the tenth unit. Finally, the concluding eleventh unit focuses on the successful rehabilitation team that includes both professional and non-professional caregiver members. A trusted guide to the conditions and problems faced when evaluating and treating geriatric patients Extensive coverage over 84 chapters, each written by an expert in the field Includes imaging, vision and the aging ear Cross-referenced - providing the complexity and inter-relatedness of co-morbidities common to aging patients Collaborative international perspective Chapters on the aging spine; frailty; safe pilates for bone health; health care for older people Additional renowned editor - Ronald W. Scott Revised title to reflect the comprehensive scope of content covered (previously entitled Geriatric Rehabilitation Manual)

The Complete Idiot's Guide to Success as a Personal Financial Planner

Author: John P. Napolitano

Publisher: Penguin

ISBN: 1440626405

Category: Business & Economics

Page: 352

View: 1790

Building a successful career in a red-hot field. Financial planning is one of the fastest growing careers in America today. Written by a veteran certified financial planning expert, this invaluable book tells aspiring and new CFPs everything you need to know about the certification process, setting up private practice, self-marketing techniques, client management and expansion, and much more. -Includes a comprehensive resource section

Your Complete Guide to Early Retirement

A Step-By-Step Plan for Making It Happen

Author: Sandy Baker

Publisher: Atlantic Publishing Company

ISBN: 0910627932

Category: Business & Economics

Page: 285

View: 4993

Tired of commuting? Fed up with your boss? Bored with your job? There is a solution: Start living and doing what you want to do. Lie in a hammock or on a beach, swing your golf club, or hit the open road. Get control of your life, become financially independent, and RETIRE EARLY. If you want to retire early - before age 65 - you are not alone. In a survey of workers ages 30 to 50, more than half plan to retire at 60 or younger and only 6 percent plan to work past 65. There are three things you need to do to retire early: 1) Manage your expenses and reduce or eliminate debt, 2) accumulate capital, and 3) save and invest wisely. It is easy, but requires patience and self-control, and with the guidance of this new book you will be on your way to achieving this goal. You will learn how to take control of your life, set realistic long-term goals, choose appropriate lifestyle trade-offs, and learn effective savings techniques and simple investing strategies. You will learn how to calculate how much you need to retire early, get the most from your investment portfolio, reduce your taxes, use retirement planning tools, increase your income while retired, reduce living expenses, deal with inflation and deflation, and calculate social security and pension payments. This book will be your road map to turn the dream of early retirement into reality. Atlantic Publishing is a small, independent publishing company based in Ocala, Florida. Founded over twenty years ago in the company presidentâe(tm)s garage, Atlantic Publishing has grown to become a renowned resource for non-fiction books. Today, over 450 titles are in print covering subjects such as small business, healthy living, management, finance, careers, and real estate. Atlantic Publishing prides itself on producing award winning, high-quality manuals that give readers up-to-date, pertinent information, real-world examples, and case studies with expert advice. Every book has resources, contact information, and web sites of the products or companies discussed.

The Practical Guide to Aging

What Everyone Needs to Know

Author: Christine K. Cassel

Publisher: NYU Press

ISBN: 9780814715161

Category: Education

Page: 340

View: 3179

An authoritative, illustrated, practical guide explains the normal processes of aging, what medical problems are likely, how the law affects the elderly, and similar topics, and offers a comprehensive list of organizations that deal with aspects of aging. UP.

Dave Ramsey's Complete Guide to Money

The Handbook of Financial Peace University

Author: Dave Ramsey

Publisher: Ramsey Solutions Incorporated

ISBN: 9781937077204

Category: Business & Economics

Page: 330

View: 323

"This is the official handbook for Financial Peace University. If you are following Dave?s teaching, you already know what is in this book. But if you?re new to Dave this is the book for you."--Publisher's website.

Clinical Manual of Geriatric Psychiatry

Author: Mugdha E. Thakur,Dan G. Blazer,David C. Steffens

Publisher: American Psychiatric Pub

ISBN: 1585625272

Category: Medical

Page: 314

View: 4130

Clinical Manual of Geriatric Psychiatry provides the most current information on psychiatric diagnoses seen in older patients in a concise format. Each chapter is broken into easily understandable, increasingly focused sections, and contains an extensive array of tables, references, and suggested readings. Chapters include clinically relevant information and evidence-based treatments for a wide range of topics and disorders: The psychiatric interview of older adults, including history, family assessment, mental status examination, rating scales and standardized interviews, and effective communication techniques. Psychopharmacology, including information on antidepressants, psychostimulants, antipsychotic medications, mood stabilizers, anxiolytics and sedative-hypnotics, and cognitive enhancers. Diagnosis and treatment of delirium, dementia, mood disorders, schizophrenia, anxiety disorders, sleep disorders, and substance use disorders, including coverage of definition, epidemiology, clinical features, risk factors, diagnosis and differential diagnosis, prevention and management, and treatment guidelines. Individual and group psychotherapy strategies, including individual and group-based cognitive-behavioral therapies, interpersonal psychotherapies, relaxation training, cognitive stimulation therapy, and behavioral therapies. Clinical psychiatry in the nursing home, with a focus on cognitive disorders and behavioral disturbances, depression, treatment progress in this setting, and relevant federal regulations. Written by experts in geriatric psychiatry, this clinical manual provides a much-needed "field guide" for the care of nursing home patients and older adults. Busy clinicians, as well as researchers, residents, fellows, clinical psychologists, and social workers, will find this compact volume to be of the utmost value, as will anyone seeking to update their knowledge of geriatric psychiatry.

The Sandwich Generation's Guide to Eldercare

Author: Danielle Schultz Dresden, MEd, CRC,Phillip D. Rumrill, Jr., PhD, CRC,Kimberly McCrone Wickert, MRC, CRC

Publisher: Demos Medical Publishing

ISBN: 161705142X

Category: Family & Relationships

Page: 246

View: 6924

Gold Winner, 2013 Foreword Reviews IndieFab Book of the Year Awards, Family & Relationships Category A practical, accessible, and comprehensive guide to the legal, financial, emotional and daily living challenges of caring for aging parents while raising your own family. If you are caring for an elderly loved one while raising a child, you may feel overwhelmed and unprepared. The Sandwich Generationís Guide to Eldercare, written by three experts with extensive professional and personal experience with eldercare, provides the information and resources you need to make important decisions, balance your responsibilities, and ensure your elders well-being as well as your own. It includes how to: Create a good eldercare plan and the key financial, healthcare, and legal documents you should have executed Choose the right level of care and ease the transition, including how to avoid the most common mistakes people make in this process Find the best ways to help elderly loved ones maintain their independence and dignity Navigate the maze of government agencies and benefits Involve other family members while minimizing tension or conflict Prevent caregiver burnout and deal with the strain on family life, children, and relationships With useful checklists, worksheets, step-by-step action plans, lists of questions to ask, and a robust resources section, you'll have everything you need to care for your family.

Caring for Your Parents

The Complete Family Guide

Author: Hugh Delehanty,Elinor Ginzler,Mary Bray Pipher

Publisher: Sterling Publishing Company, Inc.

ISBN: 140275857X

Category: Family & Relationships

Page: 238

View: 6387

"Practical advice you can trust from the experts at AARP"--Cover.

The Family Guide to Aging Parents

Answers to Your Legal, Financial, and Healthcare Questions

Author: Carolyn Rosenblatt

Publisher: Familius

ISBN: 9781939629579

Category: Family & Relationships

Page: 280

View: 3005

There are more than 43 million adult family caregivers caring for their aging parents and family members in the United States alone. While Boomers are about to enjoy retirement and the freedoms that come with a life well lived, the responsibility of caring for their aging parents is a key issue they unexpectedly face. The Boomer’s Guide to Aging Parents is the complete guide to help the caregiver understand the issues and be prepared for the realities. Covering everything from legal issues to what to do when your aging parent still wants to drive, The Boomer's Guide provides clear counsel for giving loving care and enjoying life after retirement.

How to Care for Aging Parents

Author: Virginia Morris

Publisher: Workman Publishing

ISBN: 0761134263

Category: Family & Relationships

Page: 691

View: 3261

Thoroughly updated and expanded, a compassionate, single-volume reference to the many emotional, legal, financial, medical, and logistical issues associated with caring for aging parents covers such areas as nursing homes, finances, finding a good doctor, legal arrangements, redefining parental relationships, and handling emotional challenges. Original.

Essential Guide To Safe Investing

Author: N.A

Publisher: Lightbulb Press, Inc.

ISBN: 1933569093

Category: Consumer protection

Page: 16

View: 5706

A comprehensive, 138 page guide on all aspects of personal finance, including financial planning, taxes, credit, insurance, and home finance.

Die Broke

A Radical Four-Part Financial Plan

Author: Stephen Pollan,Mark Levine

Publisher: Harper Collins

ISBN: 9780061846977

Category: Business & Economics

Page: 320

View: 7271

From America's most trusted financial advisor comes a comprehensive guide to a new and utterly sane financial choice. In Die Broke, you'll learn that life is a game where the loser gives his money to Uncle Sam at the end. There are four steps to the process: Quit Today No, don't tell your boss to shove it...at least not out loud. But in your head accept that from this day on you're a free agent whose number one workplace priority is your personal bottom line. Pay Cash You should be as conscious of spending as you are of saving. Credit should be a rarely used tool for those few times (buying homes and cars) when paying cash is impossible. Don't Retire Your work life should be a journey up and down hills, rather than a climb up a sheer cliff that ends with a jump into the abyss. Die Broke It sounds terrifying, the one intolerable outcome to your financial life. And yet, in truth, dying broke might be your best option for a life without fear: fear of failure and privation now, fear of impoverishment in the long run.

Your Money Milestones

A Guide to Making the 9 Most Important Financial Decisions of Your Life

Author: Moshe A. Milevsky Ph.D.

Publisher: FT Press

ISBN: 0137067720

Category: Business & Economics

Page: 224

View: 6316

A Whole New Way to Look at Your Money…and Make It Grow! “Here is a lively new guide that offers fresh and actionable ways to approach everyday financial problems. Whether you’re rich or just getting by, starting your career or winding down, you’ll benefit from the author’s insightful observations and suggestions—all delivered with warmth and wit.” —Evan Cooper, Deputy Editor, InvestmentNews “The author’s unique gift is to make complex ideas from the world of high finance simple to understand, and his new book gently coaches readers in how to think about their personal finances. Best of all, readers can use Milevsky’s financial calculators online to test these ideas, so they can make choices with confidence. Investing in this book might be the wisest financial decision you make this year.” —Gil Weinreich, Editor, Research Magazine “The author has accomplished the near impossible. He has made the complicated, confusing, and often contradictory world of personal financial planning easy to understand. More importantly, he’s made it easy to act on his ground-breaking advice and guidance and has made it easy for readers to address their most important financial decisions in a thoughtful, practical, and painless manner.” — Robert Powell, Editor, Retirement Weekly and Retirement Columnist, www.MarketWatch.com/retirement “What are the nine crucial financial decisions every person must make over the course of a lifetime? If you don’t know, read this book. The author’s nine choices revolve around his core concept of human capital and how it must be gradually converted to financial capital to achieve a successful retirement.” —Jonathan Chevreau, National Post Columnist and Author of Findependence Day “Your Money Milestones helps just about anyone see life’s most important money decisions in a fresh and completely rational light. If you want a smart, practical roadmap to a financially sound future, you need this book.” —Eric Schurenberg, Editor-in-Chief, BNET Your Money Milestones illustrates how four principles inspired by basic arithmetic can be applied to manage the most important financial decisions (money milestones) people face over their entire financial lifecycles. Addition: Identify the true value all of your financial resources. Subtraction: Budget for the hidden liabilities in your future. Division: Spend your total resources evenly over time. Multiplication: Prepare for many alternative and unexpected universes. This book offers a complete framework for thinking about money that’s every bit as provocative as Freakonomics. Drawing on the newest research into psychology and personal finance, Milevsky helps you identify the true value all of your resources; budget for hidden liabilities in your future; plan to spend your total resources smoothly over time; and prepare for unexpected events that could upend even the most careful planning. You’ll discover why children are short-term investment liabilities but may be long-term pension assets, why winning the lottery may increase your chances of going bankrupt, and why giving up control of your retirement nest egg might actually make you happier. The insights are fascinating and useful throughout your life whether you're deciding what to study, contemplating your first home purchase, deciding whether to keep contributing to your 401(k), or considering when and whether to retire.

Cannabis for Seniors

Author: Beverly A. Potter, PhD

Publisher: Ronin Publishing

ISBN: 1579512437

Category: Self-Help

Page: 200

View: 6752

CANNABIS FOR SENIORS is written for independent seniors - as well as for family members and caretakers seeking ways to manage their everyday health concerns without resorting to powerful, habit-forming, potentially dangerous medications. CANNABIS FOR SENIORS reviews the latest scientific research regarding the health effects of marijuana and the effectiveness of various cannabis strains for managing specific health conditions. It also presents anecdotal reports on cannabis use by seniors – so readers can learn about people “just like them” who have tried medical marijuana and had good results. It addresses the myths and worries that many seniors have about marijuana use showing which concerns are founded in fact and which are simply based on inadequate or partial information. CANNABIS FOR SENIORS discusses various methods of administering medical marijuana, explaining which conditions are best handled by smoking, eating, or using skin patches containing active medicinal cannabis components. It deals in detail with the major conditions that cannabis can help: • Sleep issues • Depression • Alzheimer’s disease • Chronic pain • Anxiety • Digestive disorders • Cancer • Glaucoma • Multiple sclerosis • Parkinson’s disease • Concussions • Stroke • …….and many more For each condition, CANNABIS FOR SENIORS explains the scientific research and personal anecdotes supporting use of medical marijuana; helping seniors decide for themselves, or with the help of a caregiver, how best to cope with their personal health situations. CANNABIS FOR SENIORS also discusses social elements of life that are facilitated by marijuana. Research shows that seniors who remain connected to friends, family members and community live longer, happier and healthier lives. The book shows how medical marijuana can help with these important social connections.

How to Make Your Money Last

The Indispensable Retirement Guide

Author: Jane Bryant Quinn

Publisher: Simon and Schuster

ISBN: 1476743789

Category: Business & Economics

Page: 384

View: 6823

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).