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Index
Introduction About This Book Conventions Used in This Book What You're Not to Read Foolish Assumptions How This Book Is Organized Part I: Working toward Retirement Part II: Making Money Decisions in Retirement Part III: Dealing with Government Programs Part IV: Estate Planning: It's More than Just Dead People and Lawyers Part V: The Part of Tens Icons Used in This Book Where to Go from Here Part I Chapter 1: Looking Ahead to Your Future Planning for the Longer Term Identifying long-term planning issues Taking personal responsibility for your financial future Saving and planning sooner and smarter pays off Eyeing Keys to Successful Retirement Planning Saving drives wealth Keeping your balance Understanding that planning is a process Chapter 2: Protecting Your Employment Income and Your Health Assessing Your Need for Life Insurance Understanding the purpose of life insurance Determining your life insurance need Assessing your current life coverage Figuring out what type to buy Choosing where to buy life insurance Shielding Your Employment Income: Disability Insurance Why most people lack disability insurance and why you need it Identifying needed disability coverage Shopping for disability coverage Investing In and Protecting Your Health Take care of your ticker Exercise (and sweat)! Hydrate with good-quality H2O Include fiber in your diet Manage your stress Get your calcium Chapter 3: Developing a Retirement Plan Deciding When to Retire Knowing How Much You Really Need for Retirement Figuring out what portion of income you need Grasping what the numbers mean Eyeing the Components of Your Retirement Plan Social Security retirement benefits Pensions Investments Your home's equity When Setting Up Your Plan Crunching the Numbers Understanding assumptions and how they work Making the numbers work Dealing with excess money Making Plans for Nonfinancial Matters Personal connections Personal health Activities, hobbies, interests Chapter 4: Identifying Retirement Investments and Strategies Defining Investments Understanding risk Eyeing your returns Considering how investments are susceptible to inflation Being aware of tax consequences Monitoring sensitivity to currency and economic issues What You Need to Do Before You Select and Change Investments Knowing your time horizon Factoring some risk into your investment plan Keeping the bigger picture in mind Allocating your assets Surveying Different Investments Comparing lending investments to ownership investments Looking into stocks Investing in mutual funds and ETFs Comparing investments and risks Managing Investment Portfolios Funds of funds and target-date funds Index and exchange-traded funds Assessing and changing your portfolio Chapter 5: Grasping Retirement Accounts and Their Rules Eyeing the Characteristics of Retirement Accounts Focusing on the tax benefits Being aware of restrictions and penalties Identifying the Different Types of Retirement Accounts Employer-sponsored retirement accounts Self-employed retirement savings plans Individual Retirement Accounts (IRAs) Rolling Over Retirement Balances Deciding what road to take Choosing a custodian and rolling over your balance to an IRA Choosing Beneficiaries for Your Retirement Accounts Taking Required Minimum Distributions, or RMDs Calculating your RMD for an IRA Computing the RMD for other retirement plans Part II Chapter 6: Managing Budgets and Expenses Pointing Out Some Retirement Worries You May Have Running out of money Supporting others Addressing your worries Spending Your Nest Egg Considering the 4 percent rule Naming the factors affecting your use of retirement assets How Spending Really Changes in Retirement Managing Your Expenses Bigger-picture issues Taxes Housing Utilities and communication Food Transportation Personal care and fashion Travel and fun Health care Insurance Children and grandchildren Chapter 7: Guiding Investments and Distributions in Retirement Guiding Your Investments through Retirement Estimating your investment income Rebalancing your investments Looking Closer at Annuities Annuities: A cross between a retirement account and insurance Contributing in your working years Annuitizing in your retirement years Choosing Your Pension Options Selecting between a lump sum or monthly payments Deciding among monthly payment options Eyeing Withdrawal Strategies for Your Investment Accounts Chapter 8: Making Important Housing Decisions Analyzing Moving Considering the pros and cons of moving Eyeing the options for where you can move Tapping Your Home's Equity: Reverse Mortgages Defining terms and costs Determing whether a reverse mortgage is right for you Searching for more information on reverse mortgages Looking At Tax Issues Regarding Your Housing Decisions Being aware of capital gains exclusion rules Converting your home to a rental: Yes or no? Chapter 9: Considering Your Long-Term Care Insurance Needs and Options Understanding Long-Term Care Naming the types of long-term care Predicting who will need long-term care Estimating how much long-term care will cost Planning to Pay for LTC Considering LTC Insurance Knowing the basic features of LTCI Checking out two more important LTCI factors Financing LTC Yourself Figuring out whether you can finance your own LTC Deciding when to buy LTCI Comparing tax-qualified and nonqualified policies Opting for life insurance instead of LTCI Taking advantage of the reverse mortgage Evaluating Employer and Group Coverage Examining Combination Policies Reviewing the new policies Evaluating the new policies Combining LTCI and Self Insurance Part III Chapter 10: Making Your Best Choices under Social Security The Lowdown on Social Security Determining When You're Eligible for Benefits Reviewing your earnings history Defining when you can retire Taking a Closer Look at Spouses' and Survivor Benefits Understanding the choices for spousal benefits Ensuring spouses are taken care of: Survivor's benefits Identifying When You May Need to Receive Benefits What are your cash flow needs? Will waiting pay off? What other income do you have? Do you want to continue to work? What are the potential income taxes on benefits? What's your life expectancy? Noting How Working Reduces Benefits Taking the penalty for exceeding the annual income limit Determining the penalty on a monthly basis The penalty isn't always bad Preserving Your Benefits Deferring income Using your corporation Considering exempt income Relying on special income Being Aware of Potential Income Taxes on Your Benefits Understanding how modified adjusted gross income works Reducing taxes on benefits Changing Your Mind: A Do-Over Deciding whether you should take a do-over Doing the do-over Looking at What the Future Holds for Social Security Chapter 11: Getting the Most Out of Medicare Starting Medicare: A Broad Overview of Enrollment Deadlines Understanding Part A Seeing who's eligible and signing up for Part A Defining Part A coverage Exploring Parts B and C Scoping out Part B Probing Part C: Medicare Advantage Qualifying for Prescription Drug Coverage with Part D Examining Part D plans Enrolling in a Part D plan Eyeing a Medicare Supplement Understanding Medigap policies Standardizing Medigap policies Choosing a Medigap policy Obtaining quotes for Medigap insurance Resolving Some Sticky Issues Changing plans Monitoring changes at work Making a foreign move Chapter 12: The State Health Care System Backup: Medicaid Discovering What Medicaid Is Considering Medicaid Eligibility Establishing Functional Eligibility Meeting Financial Requirements Understanding income limits Understanding asset limits Examining Planning Strategies Spending down Creating a life estate Setting up trusts Buying an immediate annuity Going the spousal refusal route Recognizing the downsides of Medicaid eligibility strategies Using Both Medicare and Medicaid Eyeing Reasons Not to Seek Medicaid Part IV Chapter 13: The Basics on Estate Planning Understanding Estate Planning Studying Some Strategies Before Starting Your Estate Plan Finish your plan no matter what Keep track of your estate Estimate cash flow Don't wait for the perfect plan Carefully choose executors and trustees Anticipate conflicts Answering Key Questions to Gather Critical Information Who's in charge? How much should I give now? Should I apply controls and incentives? Should heirs get equal shares? Should I exclude someone? How should my blended family be handled? Should I leave only money? Should my wealth stay in the family? Knowing How Estate Taxes Work Reviewing the estate tax Considering state taxes Finding Good, Affordable Advice Doing it yourself Using an expert: Yes or no? Chapter 14: Eyeing Wills and Other Legal Documents Writing Your Will Pointing out some important details Facing the limits of wills Excluding family members Avoiding things you can't do with your will Assigning a Financial Power of Attorney Recognizing the importance of a POA Choosing the right POA Delegating Medical Decisions Understanding living wills Signing DNRs Assigning a health care proxy or POA Authorizing HIPAA Combining documents Passing Other Assets Naming beneficiaries for your assets Examining the special case of IRAs Looking Closer at Probate Avoiding probate: Yeah or nay? Considering joint tenancy Making use of living trusts Chapter 15: Tackling the Federal Estate Tax When You Have Too Much Money Understanding the Estate Tax Examining how your estate tax is calculated Decreasing your estate taxes Tallying Your Assets Making sure you don't overlook certain factors Assessing included assets Reducing Your Estate Considering strategies to lower your estate's value Maximizing tax-free gifts Taking Deductions Looking at the marital deduction Giving charitable gifts Choosing Family Estate Strategies Equalizing estates Using the bypass trust Taking advantage of marital deduction trusts Putting the strategies together Contemplating Life Insurance Paying obligations with life insurance Purchasing life insurance to enhance inheritances Avoiding the Tax on Gifts to Grandkids: The GSTT Chapter 16: Focusing on Estate Taxes and the Many Types of Trusts Identifying the Cast of Characters Naming the Types of Trusts Looking at when trusts take effect Revoking or retaining rights Determining how income is distributed Addressing the trustee's powers Using Trusts in Estate Planning Donating to charity with charitable trusts Opting for retained income trusts Taking care of special needs with SNTs Spreading the wealth through dynasty trusts Creating life insurance trusts Part V Chapter 17: Ten Common Retirement and Estate Planning Mistakes Not Having at Least a Basic Financial Plan Procrastinating About Estate Planning Underestimating Life Expectancy Miscalculating Inflation Believing You'll Retire When You Expected To Ignoring Nonfinancial Planning Failing to Coordinate with Your Spouse Expecting to Age in Place Thinking Most Medical Expenses Will Be Covered Missing the Initial Enrollment for Medicare Plans Chapter 18: Ten Things to Know About Working in Retirement Some Work Is Good for You The Social Security (Tax) Impact Can Be Huge Number Crunching Can Show You How Different Scenarios Work Do What You Love Investing in Education Can Boost Your Employment Value Some Employers Are More User-Friendly for Older Workers Taking Some Employment Risk Is Important Examine Starting/Buying a Small Business Your Spouse May Not Want What You Want Volunteering Makes You Happy and Benefits Your Community Chapter 19: Ten (or So) Tips to Know About Caring for Your Aging Parents Leverage Off Others' Experiences Ask for Professional Help Invest in Their Health Get Your Parents' Affairs in Order Examine Housing and Medical Care Options Use Caregiver Agreements Separate Living Spaces if Parents Are Going to Move In Take Care of Your Family Take Care of Yourself
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