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Index
Cover
Table of Contents
Introduction
About This Book
Foolish Assumptions
Icons Used in This Book
Beyond the Book
Where to Go from Here
Book 1: Managing Your Career and Retirement
Chapter 1: Finding a New Job after 50
Recognizing the Need for and Value of Experienced Workers
Tallying the Benefits of Staying in the Workforce
Reorienting Yourself to Today’s Job-Search Realities
Deciding What (Else) You Want Out of Work
Pursuing Your Passion and Finding Purpose
Putting Proven Success Strategies into Practice
Dealing with Ageism
Chapter 2: Dealing with Changes in Employment
Filing for Unemployment Benefits
Getting Your Financial House in Order
Financing Any Additional Education and Training
Writing Off Your Job-Hunt Expenses
Accounting for Social Security Benefits Reductions When You Work
Taking Advantage of Additional Public Benefits
Providing Benefits for Yourself
Chapter 3: Joining the Ranks of the Self-Employed
Working on Contract
Launching Your Own Business
Becoming a Social Entrepreneur
Exploring Franchising Opportunities
Chapter 4: Tracking Small Business Revenues and Costs
Establishing an Accounting System for Your Business
Keeping Good Tax Records for Your Small Business
Chapter 5: Estimated Taxes and Self-Employment Taxes
Form 1040-ES: Estimated Tax for Individuals
Keeping Current on Your Employees’ (and Your Own) Tax Withholding
Schedule SE: Self-Employment Tax
Form 8889: Health Savings Accounts (HSAs)
Chapter 6: Developing a Retirement Plan
Deciding When to Retire
Knowing How Much You Really Need for Retirement
Eyeing the Components of Your Retirement Plan
When Setting Up Your Couples Plan
Crunching the Numbers
Making Plans for Nonfinancial Matters
Chapter 7: Grasping Retirement Accounts and Their Rules
Eyeing the Characteristics of Retirement Accounts
Identifying the Different Types of Retirement Accounts
Rolling Over Retirement Balances
Choosing Beneficiaries for Your Retirement Accounts
Taking Required Minimum Distributions, or RMDs
Book 2: Getting Your Affairs in Order
Chapter 1: Ensuring That Your Last Wishes Are Honored
What Can Happen When You Don’t Plan Your Estate
Reaping the Benefits of Planning Your Estate
Looking Out for Common Pitfalls
Realizing What Happens If You Don’t Have an Estate Plan
Creating Your Will or Trust
Chapter 2: Planning Your Bequests
Calculating Your Assets
Determining Your Intended Heirs and Beneficiaries
Thinking about Your Family Circumstances
Estate Planning for Second Families
Estate Planning for Your Business
Appointing the People Who Will Carry Out Your Estate Plans
Finding Professionals to Assist You
Chapter 3: Providing for Your Children and Dependents
Choosing a Guardian
Managing Your Child’s Assets
Providing for Your Child’s Needs
Chapter 4: Writing and Signing a Will
Deciding Whether a Will Serves Your Needs
Exploring the Types of Wills
Elements of a Will
Executing a Valid Will
Book 3: Dealing with Insurance
Chapter 1: Seven Guiding Principles of Insurance
Keep It Simple
Don’t Risk More than You Can Afford to Lose
Don’t Risk a Lot for a Little
Consider the Odds
Risk a Little for a Lot
Avoid Las Vegas Insurance
Buy Insurance Only as a Last Resort
Chapter 2: Buying Insurance
Understanding What Makes a Balanced Insurance Program
Customizing Each Policy to Meet Your Unique Needs
Choosing Your Professional Adviser
Choosing an Insurance Company
Chapter 3: Getting the Most Out of Medicare
Starting Medicare: A Broad Overview of Enrollment Deadlines
Understanding Part A
Exploring Parts B and C
Qualifying for Prescription Drug Coverage with Part D
Eyeing a Medicare Supplement
Resolving Some Sticky Issues
Chapter 4: Introducing the Personal Umbrella Policy
Discovering the Umbrella Policy’s Major Coverage Advantages
Coordinating an Umbrella with Your Other Insurance
Determining How Many Millions to Buy
Book 4: Handling Budgets and Investments
Chapter 1: Protecting Your Employment Income
Assessing Your Need for Life Insurance
Protecting Your Employment Income: Disability Insurance
Investing In and Protecting Your Health
Chapter 2: Managing Budgets and Expenses
Pointing Out Some Retirement Worries You May Have
Spending Your Nest Egg
How Spending Really Changes in Retirement
Managing Your Expenses
Chapter 3: Guiding Investments and Distributions in Retirement
Guiding Your Investments through Retirement
Looking Closer at Annuities
Choosing Your Pension Options
Eyeing Withdrawal Strategies for Your Investment Accounts
Chapter 4: Making Your Best Choices under Social Security
The Lowdown on Social Security
Determining When You’re Eligible for Benefits
Taking a Closer Look at Spouses’ and Survivor Benefits
Identifying When You May Need to Receive Benefits
Noting How Working Reduces Benefits
Preserving Your Benefits
Being Aware of Potential Income Taxes on Your Benefits
Changing Your Mind: A Do-Over
Looking at What the Future Holds for Social Security
Book 5: Planning Your Estate
Chapter 1: Yes, You Have an Estate
What Is an Estate?
Why You Need to Plan Your Estate
Why Your Estate-Planning Goals Are Different from Your Neighbors’
The Critical Path Method to Planning Your Estate
Getting Help with Your Estate Planning
Chapter 2: Bean Counting: Figuring Out What You’re Worth
Calculating the Value of Your Real Property
Calculating the Value of Everything Else: Your Personal Property
Dead Reckoning: Subtracting Your Debts from Your Assets
Giving Gifts throughout Your Life to Reduce Your Estate’s Value
Calculating Adjustments in Your Estate’s Value Due to Life Changes
Chapter 3: Probate and How to Dodge It
Probing Probate: What You Should Know
Knowing the Good, the Bad, and the Ugly of Probate
Streamlining the Probate Process
Appointing Your Person in Charge
Thinking Things Through When Someone Asks You to Be a Personal Rep
Understanding Will Substitutes
Sorting through the List of Will Substitutes
Identifying Some Less Common but Worthy Will Substitutes
Chapter 4: Understanding Trusts
Defining Trusts, Avoiding Hype
Trust Power — Making Your Beneficiaries Smile
Sorting Out Trusts — from Here to Eternity
Chapter 5: Minimizing Estate-Related Taxes
Figuring Out Where You Are Today
Fortune-Telling: Picturing the Future as Best You Can
Hmmm … Deciding on Strategies and Trade-Offs
Putting Together a Comprehensive Estate-Related Tax Plan
Book 6: Tapping Into Your Home’s Value
Chapter 1: Making Important Housing Decisions
Analyzing Moving
Tapping Your Home’s Equity: Reverse Mortgages
Looking at Tax Issues Regarding Your Housing Decisions
Chapter 2: Reverse Mortgages for Retirement Income
Grasping the Reverse Mortgage Basics
Shopping for a Reverse Mortgage
Deciding Whether You Want a Reverse Mortgage
Chapter 3: Deciding to Sell
Figuring Out if You Really Need to Sell
Knowing the Health of Your Housing Market
Chapter 4: Exploring the Economics of Selling
Estimating Proceeds of Sale
Assessing the Financial Feasibility of a Move
Chapter 5: Determining Your House’s Value
Defining Cost, Price, and Value
Determining Fair Market Value (FMV)
Using a Comparable Market Analysis
Bidding Wars
About the Authors
Connect with Dummies
Index
End User License Agreement
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