The Hard Times Guide to Retirement Security: Practical Strategies for Money, Work, and Living

Overview

A timely guide to overcoming the retirement challenges we all face

The Great Recession has placed a wake-up call to America's baby boomers. Many have not saved enough for retirement and have not taken a hard look at how many post-work years they may need to finance.

Written in a straightforward and accessible style, The Hard Times Guide to Retirement Security tackles the tough questions about retirement in the new post-crash economy. Page by ...

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Overview

A timely guide to overcoming the retirement challenges we all face

The Great Recession has placed a wake-up call to America's baby boomers. Many have not saved enough for retirement and have not taken a hard look at how many post-work years they may need to finance.

Written in a straightforward and accessible style, The Hard Times Guide to Retirement Security tackles the tough questions about retirement in the new post-crash economy. Page by page, it puts retirement in perspective by touching on important issues such as insuring against the risk of outliving your assets, recalibrating damaged retirement portfolios, managing the risk of health-care expenses in retirement, and career strategies for workers who are 50 years old and up.

  • Reveals how to boost lifetime income through better planning, and working just a few additional years
  • Offers advice on how to hire a financial advisor whose first loyalty is to you, not Wall Street
  • Discusses why you should rethink housing in the wake of the real estate crash
  • Offers detailed advice on career reinvention, the 50+ job market and midlife entrepreneurship

Engaging and informative, this practical guide provides the strategies needed for a truly fulfilling and secure retirement.

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Editorial Reviews

From the Publisher
"The Hard Times Guide to Retirement Security aims to help baby-boomers with retirement planning. Author Mark Miller covers topics such as managing health-care costs and becoming a midlife entrepreneur." (Kiplinger's Retirement Report, August 2010).

"Miller is an expert on aging and retirement...it shows in his careful reporting on the ominous subject of retirement. He is diligent about listing detailed notes in each chapter to support facts and figures. He paints the picture: "Real estate values and retirement portfolios are depressed, and job security has evaporated...the need to build retirement security has never been greater." He offers ways to build long-term retirement security and boost knowledge on an array of topics from money issues, such as 401(k) plans and managing health care expenses to ways to navigate the 50-plus job market. There are several chapters on the 50-plus job market – how to find a job, start your own business, even how to hire a career coach to help with career transitions. Each chapter concludes with a wealth of resources and suggestions for further reading. The listings are ample guidance, worth keeping close at hand for help along the retirement route." (USA Today, July 25, 2010)

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Product Details

  • ISBN-13: 9781576603628
  • Publisher: Wiley
  • Publication date: 6/15/2010
  • Series: Bloomberg Series , #48
  • Edition number: 1
  • Pages: 223
  • Sales rank: 662,276
  • Product dimensions: 6.00 (w) x 9.00 (h) x 0.70 (d)

Meet the Author

Mark J. Miller

Mark Miller is an expert on aging, retirement, business, and economics. He writes the syndicated weekly column "Retire Smart," contributes to CBS Moneywatch.com and the Huffington Post, and publishes RetirementRevised.com, which was named the best retirement planning site on the web by Money magazine. Miller speaks regularly at conferences on aging and retirement. He can be reached at markmiller@hardtimesretirement.com.

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Table of Contents

Acknowledgments ix

1 Rethinking Retirement in Hard Times 1

Money 13

2 The Great Wake-Up Call 15

3 Getting the Most from Social Security 19

4 The Old-Fashioned Pension on Life Support 31

5 Income Annuities: Another Way to Get a Guarantee 41

6 Resuscitating the 401(k) 49

7 Managing Your Health-Care Expense Burden 65

8 Taxes and Retirement 83

9 Coping with Post-Bubble Real Estate 91

10 How to Hire a Financial Adviser 105

Work 115

11 How Working Longer Helps 117

12 The Fifty-Plus Job Market: Good News, Bad News 125

13 Six Rules for Job Hunting 133

14 Fifty-Plus Enterpreneurs: Launching a Lifestyle Business 145

15 How to Hire a Career Coach 159

Living 167

16 Making a Difference: Encore Careers 169

17 Volunteering in Retirement: Getting Engaged 183

18 Learning and the Path to Brain Fitness 199

About the Author 211

Index 213

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