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Biblioteca

MARC Lista (tabellare)
Building wealth and fostering independence : creating opportunities to save : hearing before the Special Committee on Aging, United States Senate, One Hundred Seventeenth Congress, first session, Washington, DC, July 15, 2021
Building wealth and fostering independence : creating opportunities to save : hearing before the Special Committee on Aging, United States Senate, One Hundred Seventeenth Congress, first session, Washington, DC, July 15, 2021
Pubbl/distr/stampa Washington : , : U.S. Government Publishing Office, , 2021
Descrizione fisica 1 online resource (iii, 41 pages)
Collana S. hrg.
Soggetto topico Retirement - United States - Planning
People with disabilities - Medical care - United States
Retirement income - United States
Finance, Personal - Decision making
People with disabilities - Medical care
Retirement income
Retirement - Planning
Soggetto genere / forma Legislative hearings.
Formato Materiale a stampa
Livello bibliografico Monografia
Lingua di pubblicazione eng
Altri titoli varianti Building wealth and fostering independence
Record Nr. UNINA-9910717009103321
Washington : , : U.S. Government Publishing Office, , 2021
Materiale a stampa
Lo trovi qui: Univ. Federico II
Opac: Controlla la disponibilità qui
Control your retirement destiny [[electronic resource] ] : achieving financial security before the big transition / / Dana Anspach
Control your retirement destiny [[electronic resource] ] : achieving financial security before the big transition / / Dana Anspach
Autore Anspach Dana
Pubbl/distr/stampa Berkeley, CA, : Apress, 2013
Descrizione fisica 1 online resource (316 p.)
Disciplina 332.024014
Soggetto topico Retirement - Planning
Finance, Personal
ISBN 1-4302-5023-2
Formato Materiale a stampa
Livello bibliografico Monografia
Lingua di pubblicazione eng
Nota di contenuto Cover; Title Page; Copyright Page; Apress Business: The Unbiased Source of Business Information; Dedication Page; Table of Contents; About the Author; Acknowledgments; Preface; CHAPTER 1 Your FinancesWhy It's Different over 50; Challenge One: Longevity-An Unknown Time Horizon; Learning to Use the Right Tool; What Do the Odds Tell You?; Challenge Two: Sequence Risk-The Gas Mileage Question; Challenge Three: Inflation; Challenge Four: Overspending; A Note on Estimating Taxes; Summary; CHAPTER 2 Starting with Planning Basics Balance Sheet, Income Timeline, and Spending Plan
Your Personal Balance SheetYour Income Timeline; Drawing Your Timeline; A Word of Caution; If You're Close to Leaving the Workforce: Adjusting Your Timeline for What-ifs; If You're Still Planning on Working for Quite Some Time; Your Spending Plan; Honing Your Spending Plan; What to Watch Out For; Mortgage; Health Care Expenses; Credit/Debit Cards; Monthly, Annual, and Fixed vs. Flex; Items That Conspicuously Go Missing; Pre- and Post-Work Spending; Your Spending Timeline; Your Coverage Ratio; Using Your Coverage Ratio to Make Better Investment Decisions; Making It Better; Summary
CHAPTER 3 Social Security How to Make the Most of ItWhat Your Benefits Are Worth; Social Security Basics; Your Social Security Statement; Age When You Begin Benefits; Starting Benefits Before or After Full Retirement Age; Starting After Full Retirement Age; Working and Collecting Benefits Before Full Retirement Age; Social Security for Married Couples; File and Suspend; File a Restricted Application; Spousal Benefits; Your Spouse and Collecting Benefits Before Full Retirement Age; Widow/Widowers Benefits; If you start benefits after your full retirement age
If you have not started your benefits yet and have not reached your full retirement ageIf you have not started your benefits yet and you are full retirement age or older; If you and your spouse have both already started your benefits; If I'm the survivor and have not started my benefits yet; Social Security for Ex-Spouses; Social Security for Single People; Social Security When You Have a Pension from Work Not Covered By Social Security; Windfall Elimination Provision; Government Pension Offset; Social Security When You Have Dependents
Help! I Already Started Social Security-Can I Change My Mind?Option 1: Pay It Back; Option 2: Go Back to Work; Option 3: Voluntarily Suspend; Option 4: Maximize Benefits for your Spouse who has not yet elected.; Social Security Software and Calculators; Taxes on Your Social Security Benefits; What If Social Security Goes Away?; Summary; CHAPTER 4 Investing How Much Risk to Take; Measuring Risk; Benchmarking Against a Risk-Free Choice; I Bonds; TIPS: Treasury Inflation-Adjusted Securities; Owning Individual Bonds vs. a Bond Fund; Inflation-Adjusted Immediate Annuities
Don't Fall for the Big Investment Lie
Record Nr. UNINA-9910887888403321
Anspach Dana  
Berkeley, CA, : Apress, 2013
Materiale a stampa
Lo trovi qui: Univ. Federico II
Opac: Controlla la disponibilità qui
The current state of retirement security in the United States : hearing before the Subcommittee on Economic Policy of the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred Fifteenth Congress, first session ... April 5, 2017
The current state of retirement security in the United States : hearing before the Subcommittee on Economic Policy of the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred Fifteenth Congress, first session ... April 5, 2017
Pubbl/distr/stampa Washington : , : U.S. Government Publishing Office, , 2017
Descrizione fisica 1 online resource (iii, 243 pages) : color illustrations
Collana S. hrg.
Soggetto topico Retirement income - United States
Defined benefit pension plans - Government policy - United States
Retirement - United States - Planning
Retirees - United States - Finance, Personal
Saving and investment - United States
Individual retirement accounts - United States
Postemployment benefits - United States
Defined benefit pension plans - Government policy
Individual retirement accounts
Postemployment benefits
Retirees - Finance, Personal
Retirement income
Retirement - Planning
Saving and investment
Soggetto genere / forma Legislative hearings.
Formato Materiale a stampa
Livello bibliografico Monografia
Lingua di pubblicazione eng
Altri titoli varianti Current state of retirement security in the United States
Record Nr. UNINA-9910706589003321
Washington : , : U.S. Government Publishing Office, , 2017
Materiale a stampa
Lo trovi qui: Univ. Federico II
Opac: Controlla la disponibilità qui
The effects of recent turmoil in financial markets on retirement security [[electronic resource] ] : statement of Peter R. Orzag, director, before the Committee on Education and Labor, U.S. House of Representatives
The effects of recent turmoil in financial markets on retirement security [[electronic resource] ] : statement of Peter R. Orzag, director, before the Committee on Education and Labor, U.S. House of Representatives
Autore Orszag Peter R
Pubbl/distr/stampa Washington, D.C. : , : U.S. Congressional Budget Office, , [2008]
Descrizione fisica 8 pages : digital, PDF file
Collana Congressional Budjet Office testimony
Soggetto topico Finance, Personal - United States
Investments - United States
Retirement - Planning
Formato Materiale a stampa
Livello bibliografico Monografia
Lingua di pubblicazione eng
Altri titoli varianti Effects of recent turmoil in financial markets on retirement security
Record Nr. UNINA-9910697633103321
Orszag Peter R  
Washington, D.C. : , : U.S. Congressional Budget Office, , [2008]
Materiale a stampa
Lo trovi qui: Univ. Federico II
Opac: Controlla la disponibilità qui
Engineering your retirement / / Mike Golio
Engineering your retirement / / Mike Golio
Autore Golio John Michael <1954->
Pubbl/distr/stampa Hoboken, New Jersey : , : Wiley, , 2007
Descrizione fisica 1 online resource (226 p.)
Disciplina 646.79
646.790885
Soggetto topico Engineers - Retirement
Scientists - Retirement
Professional employees - Retirement
Retirement - Planning
ISBN 0-470-65393-0
1-280-72192-8
9786610721924
0-470-11247-6
0-470-11246-8
Formato Materiale a stampa
Livello bibliografico Monografia
Lingua di pubblicazione eng
Nota di contenuto Preface. -- Acknowledgments. -- 1. Retire On Your Schedule. -- 1.1. Retirement Options. -- 1.2. Is There a Retirement Crisis? -- 1.3. How Much Do I Need to Retire? -- 1.4. How Long Will it Take Me to Save Enough Money? -- 1.5. Learning Your Own Life Values. -- 2 Analysis Tools and Calculations. -- 2.1. Predictions Based on Average Returns and Inflation. -- 2.2. Spending Models. -- 2.3. Historical Data. -- 2.4. Monte Carlo Simulation. -- 2.5. Historical Simulation and the 4% Rule. -- 3 Live Below Your Means (LBYM). -- 3.1. Spending. -- 3.2. Breaking the Relationship Between Earning and Spending. -- 3.3. Establishing Budget Projections. -- 3.4. Credit Cards. -- 3.5. Increasing Earnings. -- 4 Emergency Funds and Insurance (First Take Care of Stability). -- 4.1. Medical Insurance and Healthcare Budgets. -- 4.2. Emergency Fund. -- 4.3. Personal Financial Concerns. -- 4.4. Documents. -- 5 Investment Instruments. -- 5.1. Bonds. -- 5.2. Stocks. -- 5.3. Real Estate. -- 5.4. Annuities. -- 5.5. Defined Benefit Plans (Pensions). -- 5.6. Cash and Certificates of Deposit. -- 5.7. Social Security. -- 5.8. Mutual Funds. -- 5.9. Exchange-Traded Funds (ETFs). -- 5.10. Commodities. -- 6 Your Investment Plan. -- 6.1. Eliminate "Bad́ Debt. -- 6.2. Investment Issues. -- 6.3. Tax-Advantaged Accounts and Free Money. -- 6.4. Taxable Investments. -- 6.5. House--Purchase or Rent? -- 6.6. Mortgage Payoff Decision. -- 6.7. Taxes. -- 7 What Will I Do When I Retire? -- 7.1. Work Part-Time. -- 7.2. Travel. -- 7.3. Volunteer. -- 7.4. Recreation and Leisure. -- 7.5. Health and Self-Improvement. -- 8 Final Issues. -- 8.1. Before You Leave the Building. -- 8.2. Where to Live. -- 8.3. Sources of Income. -- 8.4. Taxes. -- 8.5. Rebalancing. -- 8.6. Heirs. -- Appendix A: Web Site URLs: Information, Online Calculators and Software. -- Appendix B: Fundamental Financial Equations. -- Appendix C: Longevity Table. -- Index. -- About the Author.
Record Nr. UNINA-9910143414503321
Golio John Michael <1954->  
Hoboken, New Jersey : , : Wiley, , 2007
Materiale a stampa
Lo trovi qui: Univ. Federico II
Opac: Controlla la disponibilità qui
Engineering your retirement / / Mike Golio
Engineering your retirement / / Mike Golio
Autore Golio John Michael <1954->
Pubbl/distr/stampa Hoboken, New Jersey : , : Wiley, , 2007
Descrizione fisica 1 online resource (226 p.)
Disciplina 646.79
646.790885
Soggetto topico Engineers - Retirement
Scientists - Retirement
Professional employees - Retirement
Retirement - Planning
ISBN 0-470-65393-0
1-280-72192-8
9786610721924
0-470-11247-6
0-470-11246-8
Formato Materiale a stampa
Livello bibliografico Monografia
Lingua di pubblicazione eng
Nota di contenuto Preface. -- Acknowledgments. -- 1. Retire On Your Schedule. -- 1.1. Retirement Options. -- 1.2. Is There a Retirement Crisis? -- 1.3. How Much Do I Need to Retire? -- 1.4. How Long Will it Take Me to Save Enough Money? -- 1.5. Learning Your Own Life Values. -- 2 Analysis Tools and Calculations. -- 2.1. Predictions Based on Average Returns and Inflation. -- 2.2. Spending Models. -- 2.3. Historical Data. -- 2.4. Monte Carlo Simulation. -- 2.5. Historical Simulation and the 4% Rule. -- 3 Live Below Your Means (LBYM). -- 3.1. Spending. -- 3.2. Breaking the Relationship Between Earning and Spending. -- 3.3. Establishing Budget Projections. -- 3.4. Credit Cards. -- 3.5. Increasing Earnings. -- 4 Emergency Funds and Insurance (First Take Care of Stability). -- 4.1. Medical Insurance and Healthcare Budgets. -- 4.2. Emergency Fund. -- 4.3. Personal Financial Concerns. -- 4.4. Documents. -- 5 Investment Instruments. -- 5.1. Bonds. -- 5.2. Stocks. -- 5.3. Real Estate. -- 5.4. Annuities. -- 5.5. Defined Benefit Plans (Pensions). -- 5.6. Cash and Certificates of Deposit. -- 5.7. Social Security. -- 5.8. Mutual Funds. -- 5.9. Exchange-Traded Funds (ETFs). -- 5.10. Commodities. -- 6 Your Investment Plan. -- 6.1. Eliminate "Bad́ Debt. -- 6.2. Investment Issues. -- 6.3. Tax-Advantaged Accounts and Free Money. -- 6.4. Taxable Investments. -- 6.5. House--Purchase or Rent? -- 6.6. Mortgage Payoff Decision. -- 6.7. Taxes. -- 7 What Will I Do When I Retire? -- 7.1. Work Part-Time. -- 7.2. Travel. -- 7.3. Volunteer. -- 7.4. Recreation and Leisure. -- 7.5. Health and Self-Improvement. -- 8 Final Issues. -- 8.1. Before You Leave the Building. -- 8.2. Where to Live. -- 8.3. Sources of Income. -- 8.4. Taxes. -- 8.5. Rebalancing. -- 8.6. Heirs. -- Appendix A: Web Site URLs: Information, Online Calculators and Software. -- Appendix B: Fundamental Financial Equations. -- Appendix C: Longevity Table. -- Index. -- About the Author.
Record Nr. UNINA-9910830414203321
Golio John Michael <1954->  
Hoboken, New Jersey : , : Wiley, , 2007
Materiale a stampa
Lo trovi qui: Univ. Federico II
Opac: Controlla la disponibilità qui
Engineering your retirement : retirement planning for technology professionals / / Mike Golio
Engineering your retirement : retirement planning for technology professionals / / Mike Golio
Autore Golio John Michael <1954->
Pubbl/distr/stampa Hoboken, N.J., : J. Wiley & Sons, c2007
Descrizione fisica 1 online resource (226 p.)
Disciplina 646.79
646.790885
Soggetto topico Engineers - Retirement
Scientists - Retirement
Professional employees - Retirement
Retirement - Planning
ISBN 0-470-65393-0
1-280-72192-8
9786610721924
0-470-11247-6
0-470-11246-8
Formato Materiale a stampa
Livello bibliografico Monografia
Lingua di pubblicazione eng
Nota di contenuto Preface. -- Acknowledgments. -- 1. Retire On Your Schedule. -- 1.1. Retirement Options. -- 1.2. Is There a Retirement Crisis? -- 1.3. How Much Do I Need to Retire? -- 1.4. How Long Will it Take Me to Save Enough Money? -- 1.5. Learning Your Own Life Values. -- 2 Analysis Tools and Calculations. -- 2.1. Predictions Based on Average Returns and Inflation. -- 2.2. Spending Models. -- 2.3. Historical Data. -- 2.4. Monte Carlo Simulation. -- 2.5. Historical Simulation and the 4% Rule. -- 3 Live Below Your Means (LBYM). -- 3.1. Spending. -- 3.2. Breaking the Relationship Between Earning and Spending. -- 3.3. Establishing Budget Projections. -- 3.4. Credit Cards. -- 3.5. Increasing Earnings. -- 4 Emergency Funds and Insurance (First Take Care of Stability). -- 4.1. Medical Insurance and Healthcare Budgets. -- 4.2. Emergency Fund. -- 4.3. Personal Financial Concerns. -- 4.4. Documents. -- 5 Investment Instruments. -- 5.1. Bonds. -- 5.2. Stocks. -- 5.3. Real Estate. -- 5.4. Annuities. -- 5.5. Defined Benefit Plans (Pensions). -- 5.6. Cash and Certificates of Deposit. -- 5.7. Social Security. -- 5.8. Mutual Funds. -- 5.9. Exchange-Traded Funds (ETFs). -- 5.10. Commodities. -- 6 Your Investment Plan. -- 6.1. Eliminate "Bad́ Debt. -- 6.2. Investment Issues. -- 6.3. Tax-Advantaged Accounts and Free Money. -- 6.4. Taxable Investments. -- 6.5. House--Purchase or Rent? -- 6.6. Mortgage Payoff Decision. -- 6.7. Taxes. -- 7 What Will I Do When I Retire? -- 7.1. Work Part-Time. -- 7.2. Travel. -- 7.3. Volunteer. -- 7.4. Recreation and Leisure. -- 7.5. Health and Self-Improvement. -- 8 Final Issues. -- 8.1. Before You Leave the Building. -- 8.2. Where to Live. -- 8.3. Sources of Income. -- 8.4. Taxes. -- 8.5. Rebalancing. -- 8.6. Heirs. -- Appendix A: Web Site URLs: Information, Online Calculators and Software. -- Appendix B: Fundamental Financial Equations. -- Appendix C: Longevity Table. -- Index. -- About the Author.
Record Nr. UNINA-9910877380903321
Golio John Michael <1954->  
Hoboken, N.J., : J. Wiley & Sons, c2007
Materiale a stampa
Lo trovi qui: Univ. Federico II
Opac: Controlla la disponibilità qui
ESOPs : savvy strategy for tax management, succession, and continuity / / Scott D. Miller
ESOPs : savvy strategy for tax management, succession, and continuity / / Scott D. Miller
Autore Miller Scott D. <1949->
Edizione [1st edition]
Pubbl/distr/stampa New York, NY : , : American Institute of Certified Public Accountants, , [2012]
Descrizione fisica 1 online resource (1 volume) : illustrations
Soggetto topico Employee stock options
Employee stock options - Taxation - United States
Employee ownership - Taxation - Law and legislation - United States
Stock options - Accounting
Retirement - Planning
Baby boom generation - Retirement - United States
Soggetto genere / forma Electronic books.
ISBN 1-119-44938-3
1-937350-54-1
Formato Materiale a stampa
Livello bibliografico Monografia
Lingua di pubblicazione eng
Record Nr. UNINA-9910270934303321
Miller Scott D. <1949->  
New York, NY : , : American Institute of Certified Public Accountants, , [2012]
Materiale a stampa
Lo trovi qui: Univ. Federico II
Opac: Controlla la disponibilità qui
ESOPs : savvy strategy for tax management, succession, and continuity / / Scott D. Miller
ESOPs : savvy strategy for tax management, succession, and continuity / / Scott D. Miller
Autore Miller Scott D. <1949->
Edizione [1st edition]
Pubbl/distr/stampa New York, NY : , : American Institute of Certified Public Accountants, , [2012]
Descrizione fisica 1 online resource (1 volume) : illustrations
Soggetto topico Employee stock options
Employee stock options - Taxation - United States
Employee ownership - Taxation - Law and legislation - United States
Stock options - Accounting
Retirement - Planning
Baby boom generation - Retirement - United States
ISBN 1-119-44938-3
1-937350-54-1
Formato Materiale a stampa
Livello bibliografico Monografia
Lingua di pubblicazione eng
Record Nr. UNINA-9910678113303321
Miller Scott D. <1949->  
New York, NY : , : American Institute of Certified Public Accountants, , [2012]
Materiale a stampa
Lo trovi qui: Univ. Federico II
Opac: Controlla la disponibilità qui
The essential retirement guide : a contrarian's perspective / / Frederick Vettese
The essential retirement guide : a contrarian's perspective / / Frederick Vettese
Autore Vettese Fred <1953->
Pubbl/distr/stampa Hoboken, New Jersey : , : Wiley, , 2016
Descrizione fisica 1 online resource (229 p.)
Disciplina 332.024/014
Soggetto topico Retirement - Planning
Finance, Personal
ISBN 1-119-11113-7
1-119-11114-5
1-119-12542-1
Classificazione BUS050040
Formato Materiale a stampa
Livello bibliografico Monografia
Lingua di pubblicazione eng
Nota di contenuto Machine generated contents note: Preface Acknowledgments Chapter 1 The Road to Retirement Detours Chapter 2 Doubts about the 70 percent retirement income target Niggling doubts Saving for retirement is a 2-dimensional problem The macro case against 70 percent Low-income workers Conclusions Notes Chapter 3 Honing in on the Real Target Setting the ground rules Howard and Barb Steve and Ashley 1.0 Steve and Ashley 2.0 Expressing consumption in dollars Conclusions Chapter 4 A New Rule of Thumb Guiding principles Retirement income targets under different scenarios General rule of thumb Conclusions Notes Chapter 5 Quantifying Your Wealth Target A rough and ready estimate A more actuarial approach Notes Chapter 6 Why Interest Rates Will Stay Low (And Why You Should Care) The rise of the savers The Japan experience Applicability to the US and Canada Possible remedies Implications Notes Chapter 7 How Spending Decreases with Age Doubts Quantifying the decline in consumption Why does consumption decline? Next steps Notes Chapter 8 Death Takes a Holiday Present day life expectancy Dispersion of deaths Who is benefiting the most? Why is mortality improving? The future Conclusions Notes Chapter 9 Estimating Your Own Life Expectancy Conclusions Notes Chapter 10 Is long-term care in your future? Long-term care (LTC) What does LTC entail? What are the chances you will need LTC? How long is LTC usually required? Conclusions Notes Chapter 11 Paying for Long-term Care Typical LTC insurance contract Does the math work? The verdict The consequences of not insuring LTC Notes Chapter 12 Putting It All Together New wealth targets Buffers Conclusion Notes Chapter 13 Picking a Savings Rate Historical performance Lessons learned What the future holds Generalizing the results Notes Chapter 14 Optimizing Your Savings Strategy The goal Strategy 1: Simple Strategy 2: Simple Lifecycle approach Strategy 3: Modified Lifecycle Strategy 4: Variable contribution Strategy 5: The SMART approach Conclusions The Third Lever Methodology Chapter 15 A Gentler Approach to Saving Path 1 - Pain now, gain later on Path 2 - Smooth and steady improvement A comparison in dollar terms Conclusions Chapter 16 Rational Roulette Call to action Watch out for your children Notes Chapter 17 Revisiting the 4 Percent Rule The 4 percent rule Problems with the 4 percent rule A more rational spending rule A Monte Carlo simulation Conclusions Chapter 18 Why people hate annuities (but should still buy one) Why annuities should be popular The psychology behind the unpopularity Tontines The insured annuity strategy Indexed annuities? Forget it Conclusions Notes Chapter 19 How Workplace Pension Plans fit in Why employers offer workplace plans Getting the most out of your workplace plan How a workplace pension plan affects your dollar target Online forecast tools Chapter 20 Bubble Trouble Why worry about financial bubbles? Examples of recent financial bubbles Common Characteristics The everything bubble Notes Chapter 21 Carpe Diem The numbers Healthy life years Trends Personal genome testing Notes Chapter 22 A Life Well Lived Retirement and happiness Final thoughts Notes Appendix A Similarities between the US and Canada Social Security programs High-level comparison of retirement vehicles A tax comparison Appendix B Social Security in the US and Canada Name of Social Security pension plan Purpose of Social Security Earnings base for pension calculation How pension is calculated How the plans are funded Normal retirement age Early retirement age Delayed retirement Indexation Other government-sponsored pension plans Taxability Appendix C Retirement income targets under other scenarios Appendix D About the assumptions used in the book Thoughts on Conservatism Assumptions used to estimate personal consumption Assumptions used to calculate future retirement savings Assumptions used to estimate the historical accumulation of savings Couple contemplating long-term care insurance Assets needed to cover long-term care (LTC) About the Author Index .
Record Nr. UNINA-9910131533103321
Vettese Fred <1953->  
Hoboken, New Jersey : , : Wiley, , 2016
Materiale a stampa
Lo trovi qui: Univ. Federico II
Opac: Controlla la disponibilità qui