Don't Buy Your Retirement Home Without Me!. Avoid the Traps and Get the Best Deal When Buying a Home in a Retirement Community

DO EVERYTHING YOU WANT, AND STILL COVER EVERYTHING YOU NEED, IN RETIREMENT. Buying Time begins where most other retirement books end. Instead of covering how to accumulate money for your retirement, it gives you direction from that point forward-how to draw upon your assets most efficiently to create the income you will need throughout retirement. It provides an integrated approach to planning your income in retirement, so that you can do everything you want and still cover everything you need. Buying Time will help you to make better use of your resources, and make the best of your prime retirement years. Explains how to set your lifestyle objectives and plan for the best use of your money in retirement. Cover different strategies for different stages of retirement, so that you can make the best of your prime years while still providing for contingencies and long-term health considerations. Fully updated, this revised edition includes information on: adjustments in tax rates and tax credits; new and amended tax legislation; major changes to the pension income-splitting rules; new financial products and investment options for people in retirement; and more. A proven, integrated, four-part approach to retirement planning: structuring and planning income, investing during retirement, health-risk management, and wealth transfer. Offers advice on how to work with an advisor to create and implement a plan that's right for you. Includes practical examples, illustrations, forms, and checklists. Buying Time offers practical, proven strategies that readers can apply at every stage of retirement, from the "golden years' to the «olden years.»

No-one obsesses over property quite like the British, even though buying and selling a home can be a personal headache and a financial lucky-dip. British newspapers groan under the weight of property supplements; TV reports constantly track house prices; young people fret about getting on the property ladder, while established homeowners worry about how to increase the value of their home or the market crashing. Buying a property is rarely straightforward and can be very time-consuming. There are numerous choices to make, from the style of building and location, to proximity to schools and other amenities. Most of all, there are plenty of opportunities to make the wrong decisions. Selling your home is also fraught with stress; from deciding to move and evaluating your property’s worth to finding an estate agent and putting your home on the market, every step comes with it’s own difficulties. Plus the advent of the Home Information Packs has also created a new headache for potential vendors. Buying and Selling a Home For Dummies, 2nd Edition covers everything from finding a property and getting a mortgage to preparing your home for sale and moving on. It is also one of the few guides to cover England, Wales and Northern Ireland as separate entitles from Scotland, and to cover the Scottish property market. This updated guide also contains coverage of HIPS (Home Information Packs), which were made compulsory in September 2007 and apply to all properties with three or more bedrooms.

Saving for retirement is a difficult task, especially during these challenging economic times. Individuals who participate in their retirement plans are being charged billions in fees annually—and no one is looking out for their best interests—even though the laws say both plan sponsors and employers should be held responsible for acting in their employees’ best interests. The fact is that unless individuals are willing to stand-up and secure their financial future, they’re likely to face less money in their retirement plan accounts and have to work longer to accumulate the funds they need for retirement. In Stop the Retirement Rip-off, author David Loeper provides the necessary tools for readers to take action and make the most of their retirement plans. It offers a road map for employees to understand the fees and costs associated with their plans; as well as improve their standing within their company by proactively helping their employer to take needed action. The book features a non confrontational positive approach to bringing your retirement plan problems to the attention of your employer. Written in a straightforward and accessible style, Stop the Retirement Rip-off provides readers with sensible strategies for making the most of their retirement funds, and will put them back in control of their financial future.

Computing for the Older & Wiser is a simple-to-follow user friendly guide aimed at the older generation introducing the basics of mastering a computer. Covering the latest release of Windows Vista Home Premium(TM) and Windows XP(TM), this book is designed for people who want straightforward instructions on how to use their home PC. Written in plain English, using no unintelligible 'computer speak' Adrian guides you step-by-step through the basics of computing including chapters on: Use of the keyboard and mouse Email and the Internet Customising your desktop Word processing Digital photography Useful websites and much more Useful tips and tricks and a question and answer revision section in each chapter will build your confidence, get you up-to-date and technologically savvy in no time! If you want to learn how to search and shop online, email or chat to family and friends, and you have the enthusiasm to learn a new skill then this book is for you. With explanatory screenshots in full colour Easy to read font Supplementary website – including additional exercises to help improve your PC skills, further online hints and tips, and a directory of useful resources. www.pcwisdom.co.uk «Computing for the Older & Wiser will take readers comfortably through getting started on their home PC. The content is similar to what we would take our clients through if they were to attend a class, which is exactly the right level.» —Faye Lester, Computer Training Coordinator, Age Concern Camden, UK «I have not had so much fun for years» —Renee Moore, 79, pupil at Age Concern, Colchester, UK

The 800 years of scientific breakthroughs that will help salvage your retirement plans Physics, Chemistry, Astronomy, Biology; every field has its intellectual giants who made breakthrough discoveries that changed the course of history. What about the topic of retirement planning? Is it a science? Or is retirement income planning just a collection of rules-of-thumb, financial products and sales pitches? In The 7 Most Important Equations for Your Retirement…And the Stories Behind Them Moshe Milevsky argues that twenty first century retirement income planning is indeed a science and has its foundations in the work of great sages who made conceptual and controversial breakthroughs over the last eight centuries. In the book Milevsky highlights the work of seven scholars—summarized by seven equations—who shaped all modern retirement calculations. He tells the stories of Leonardo Fibonnaci the Italian businessman; Benjamin Gompertz the gentleman actuary; Edmund Halley the astronomer; Irving Fisher the stock jock; Paul Samuelson the economic guru; Solomon Heubner the insurance and marketing visionary, and Andrey Kolmogorov the Russian mathematical genius—all giants in their respective fields who collectively laid the foundations for modern retirement income planning. With baby boomers starting to hit retirement age, planning for retirement income has become a hot topic across the country Author Moshe Milevsky is an internationally-respected financial expert with the knowledge you need to assess whether you are ready to retire or not Presents an entertaining, informative narrative approach to financial planning Understanding the ideas behind these seven foundation equations—which Moshe Milevsky explains in a manner that everyone can appreciate—will help baby boomers better prepare for retirement. This is a book unlike anything you have ever read on retirement planning. Think Suze Orman meets Stephen Hawking. If you ever wondered what the point of all that high school mathematics was, Moshe Milevsky's answer is: So that you can figure out how to retire…while you can still enjoy your money.

Buying and selling a home are the biggest financial transactions most people will ever tackle. Well, help has arrived. This revised edition of Buying and Selling a Home For Canadians For Dummies prepares you to get what you need and want when buying a new home or selling the one you're in. Everything from arranging your finances and hiring an agent, to inspecting prospective homes and assessing home values, to making or fielding offers is presented in a clear and humorous way to help you get the most out of the process.

If you've ever bought, owned, or sold a home–or are about to–you know how exciting and how daunting it can be. Buying, Owning and Selling a Home in Canada, Second Edition, completely revised and updated, tells you absolutely everything you need to know about the joys and headaches of owning a home. Complete on-volume reference on every stage of owning a home. Covers shopping for a mortgage; negotiating your agreement of purchase and sale; signing contracts with renovators, movers, and others; understanding those mpenetrable insurance policies; dealing with problem neighbours and much more. Your «operating manual» for legal issues as well as the everyday problems of home ownership. Written in plain English that's easy to understand. Includes helpful, practical checklists and forms. Tells you what you need to know to prevent and solve many problems on your own. What you need to ask lawyers and other professionals–it may even help to reduce the fees you'll have to pay. Completely revised and updated including: how to look for a home on the Internet and how you can use your home to save, or get more money. Expand information on such topics as: condominium ownership, making offers on a home, and homeowner's insurance, to name just a few.

Negotiate a great price Find your best mortgage Discover applications and checklists online Get the Best Deal on Your New Home! When it comes to buying a home, it's hard to know where to begin. You want to buy at a fair price at the right time—not always easy in a fast-changing market. The updated Home Buying Kit has all you need: strategies to secure the optimal deal, the ins and outs of home financing, how to evaluate rent vs. buy, and the latest on regulations around mortgage interest and property tax. Whether a first-time buyer or veteran homeowner, this book will help you make the smart decisions that move you into your dream home in no time! Inside… Get your finances in order Improve your credit score Choose the right mortgage Build your real estate team Maximize your financial health Inspect and protect your home Understand and minimize closing costs

Completely expanded and updated, Live it Up Without Outliving Your Money! Second Edition is the financial roadmap that people are looking for. Based on the author's experience in the financial services sector since the mid-1960s, including more than 30 years as an investment advisor and money manager, this plain-talking book gives readers simple strategies to add between $1,000 and $10,000 to their monthly income in retirement, and without taking any of the dumb risks of the past. This reliable resource motivates readers to take the first steps to change their financial situation; presents multiple strategies for withdrawing money during retirement; and exposes the marketing tricks perpetrated by financial institutions. This book also includes added focus on newer issues such as ETFs, REITs, estate planning, IRA withdrawals, and updated allocation strategies. Live it Up Without Outliving Your Money! : • Allows readers to tailor a financial plan for retirement that takes into account the amount of risk they’re willing to tolerate • Provides multiple strategies for withdrawing money once in retirement while also building an estate for children and other survivors • Exposes the marketing tricks and emotional ploys perpetrated by financial institutions and the personal finance media that keep investors from making the best decisions – and provide real-world examples of these deceptions • Motivates readers to take the first steps to change their financial situation, which is the most difficult part of the strategy • Includes a dozen worksheets to help readers grapple with retirement planning

Pay a lower commission-and keep more of your money! Most homeowners assume that everyone pays the same six percent on Realtor commissions. But, in fact, some people pay much less and some people pay much more. And with today's overheated housing market, it seems like most homes practically sell themselves. Is it really worth paying a Realtor tens of thousands of dollars to find a buyer for a home that's in high demand? There are actually many ways to lower the commission you pay-all it takes is knowledge of the selling process and basic negotiating skills. In this helpful, comprehensive guide, Robert Irwin teaches you everything you need to know to get a better deal. He presents a detailed, precise explanation of how the commission system works, and proven strategies and tactics for keeping more of your equity. You'll learn how to lower-and even eliminate-the commission by taking advantage of such little known options as: * Using a discount agent * Negotiating for rebates or reduced rates * Offering flat fees or cash bonuses * Basing commissions on speed of sale and other factors * Creating your own listing agreement * Paying for services rendered rather than percentage * Finding a buyer yourself and paying only for the closing Six percent doesn't sound like much. But for many homeowners, six percent is a fortune better spent on something else. In a booming real estate market, it pays to consider the alternatives-and you'll find them all in this handy, helpful guide.