Saving for Retirement will relieve confusion and barriers to action for Americans who are increasingly worried about retirement. The book removes everything from the readers' path that typically trips people up and hits the sweet spot for everyone aged 18 to 60. Using new figures (including troubling new projections of healthcare and long-term care costs), Gail MarkJarvis helps readers calculate exactly how much money they'll need and how to get there. She presents easy, proven investing strategies for anyone at any age that will transform pocket change into hundreds of thousands of dollars. Packed with her readers' personal stories, this book teaches powerful professional financial planning principles - but makes them simple enough for anyone to apply on their own.

Saving for Retirement will relieve confusion and barriers to action for Americans who are increasingly worried about retirement. The book removes everything from the readers’ path that typically trips people up and hits the sweet spot for everyone aged 18 to 60. Using new figures (including troubling new projections of healthcare and long-term care costs), Gail MarkJarvis helps readers calculate exactly how much money they’ll need and how to get there. She presents easy, proven investing strategies for anyone at any age that will transform pocket change into hundreds of thousands of dollars. Packed with her readers’ personal stories, this book teaches powerful professional financial planning principles — but makes them simple enough for anyone to apply on their own.

You must be aware of the value, potential return and risk of your human capital: your job, career and what you do for a living. Human capital is the most valuable asset that you will own over your lifecycle. You need to balance financial decisions with the characteristics of your human capital. The key trends identified in Are You a Stock or a Bond? include the decline of Defined Benefit (DB) pension provision, the continued increase in human longevity and the risk of personal inflation, and they are as relevant today as they were five years ago. The financial crisis has taught us that all types of capital -- human, financial and even social -- are key to a secure financial future. If your career has "stock-like" growth and risk characteristics, Milevsky helps you balance your "portfolio" by tilting investments towards safer "bonds." ¿ Saving for Retirement will relieve confusion and barriers to action. It acquaints readers with people like them, and step-by-step addresses what's likely confusing them. Instead of starting with some lofty financial planning theory, it walks individuals through the process everyone goes through with IRAs and 401 (k)s -- leaving no basic questions unanswered. Instead of telling readers to open an IRA-as many books do-it tells them how to open one: where to go, what the forms mean, how to decide how to invest, the essential first steps. The book removes everything from the reader's path that typically trips people up and hits the sweet spot for everyone from aged 18 to 60. Using new figures (including troubling new projections of healthcare and long-term care costs), she helps readers calculate exactly how much money they'll need. Next, she presents optimal asset allocations for each stage of life -- and shows how these allocations would've protected typical investors through the past five tumultuous years. Packed with her readers' personal stories, this book teaches powerful professional financial planning principles -- but makes them simple enough for anyone to apply on their own.

Pulliam Weston (Your Credit Score), columnist for MSN Money and author of the nationally syndicated column "Money Talk," provides a practical, easy-to-understand guide to taking control of personal finances and establishing financial security. Like most financial advice books, this collection covers the basics, such as creating a financial toolkit, investing, planning for retirement and saving for college. While Pulliam Weston provides insights into these areas-especially for those without a financial background-she also charts new territory with her "60 Percent Solution" and "50/30/20 Plan," both aimed at spending control, as well as getting the most out of your credit cards and what to do if you've overspent on a car purchase. An advocate of online banking, Pulliam Weston maps out the right way to pay bills and advocates account aggregation and consolidation. She also provides a useful resource guide for finding a financial planner, a tax professional and an estate planning attorney. Checklists are included in each chapter, as well as helpful charts and tables that aid in getting and staying organized. This book will be a valuable guide on the path to financial control and security. --Publishers Weekly “If you want to simplify your life and make solid decisions—fast—this book is your answer. It’s one more reason Liz remains one of America’s most trusted financial columnists. Quick, easy, and empowering!” —Jennifer Openshaw, Author of The Millionaire Zone and CEO, WinningAdvice.com “As usual, Liz cuts to the chase to provide readers with practical, easy to implement tips for living a rich life. If you follow only half of her on-the-money recommendations you’ll be exponentially better off tomorrow than you are today.” —Lois P. Frankel, Ph.D., Author of Nice Girls Don’t Get Rich and Nice Girls Don’t Get the Corner Office Simplify your financial life... now and forever! • By the Internet’s #1 personal finance expert, MSN’s Liz Pulliam Weston • Stop feeling overwhelmed by your finances: take control, the easy way! • Save time, avoid mistakes, and help secure your future Common sense. Easy solutions. Plain English. Best selling author, Liz Pulliam Weston, takes on the problem everyone has, and nobody talks about: the sheer hassle of managing your money! Weston offers practical guidance and easy checklists for every decision: investments, credit cards, insurance, mortgages, retirement, college savings, and more! Discover how to consolidate, delegate, and automate your finances...save time and money...and live a more rewarding, secure life! www.lizweston.com

A brand new collection of up-to-the-minute personal finance guidance from award-winning columnist Liz Weston… 4 authoritative books, now in a convenient e-format, at a great price! All the realistic, trustworthy money advice you need! 4 up-to-date books from Liz Weston, America’s #1 personal finance columnist Money! Debt. Credit Scores. Investments. Retirement. College. You need answers you can understand, trust, and actually use! That’s where Liz Weston comes in. In this amazing 4 book collection, America’s #1 personal finance columnist helps you create and execute your own action plan for long-term financial security. No hype, no lectures, no nonsense: just realistic, up-to-the minute help delivered in plain English. Start with the latest edition of Weston’s nationwide best-seller, Your Credit Score, Fourth Edition – complete with brand-new information on protecting (or rebuilding) the 3-digit number that rules your financial life. Learn how today’s credit scores work… exactly how much skipped payments, bankruptcies, and other actions will lower your score… how companies can and can’t use your score against you. Get crucial new information on “FAKO” alternative scores, short sales, foreclosures, FICO 8 mortgage scores, new credit risks from social networking and mobile banking, and how to fight score-related credit limit reductions or higher rates. Next, in Easy Money, learn how to simplify and take control of your financial life, now and forever! Weston takes on the problem everyone has: the sheer hassle of managing money! You’ll find practical guidance and easy checklists for investments, credit cards, insurance, mortgages, retirement, college savings, and more! Discover how to consolidate, delegate, and automate your finances…save time and money…and live a more rewarding, secure life. In Deal With Your Debt, Updated & Revised Edition , Weston offers up-to-the-minute help on averting disaster, recovering from serious money setbacks, getting real help, and taking action that works. Weston reveals why it’s simply impractical to “live forever debt free” - and why trying to do so can actually make you poorer. You’ll find up-to-the-minute strategies for calculating how much debt is safe, and assessing and paying off the right debts first... and if you’re too far in debt, Weston will gently and non-judgmentally guide you back into your “safety zone.” Finally, in There Are No Dumb Questions About Money, Weston offers up-to-date, common sense answers to the financial questions people ask most often. You’ll find quick, sensible advice on setting priorities… choosing investments… saving for college, home-buying, retirement, or other major expenses… getting past the pain, arguments, and guilt surrounding money, and doing what works! From award-winning personal finance expert Liz Weston

Is it possible to have a music teaching career that is meaningful, artistically fulfilling, and financially self-supporting? The Savvy Music Teacher unveils a clear, realistic, dollar-for-dollar blueprint for earning a steady income as a music teacher, increasing impact and income simultaneously. This comprehensive resource reveals an entrepreneurial process with lessons that cannot be found anywhere else. Armed with Cutler's expert guidance, readers will learn to develop: - A thriving studio with a transformative curriculum - Multiple income/impact streams - Innovation strategies for every aspect of business and art - Powerhouse marketing - Time management skills - Financial literacy and independence - An inspired career outlook A must-read for music students, aspiring studio owners, early career instructors, and established gurus, The Savvy Music Teacher is packed with actionable advice written in accessible language. Real-life experiences from successful teacher-entrepreneurs are featured throughout.

What do we do with our freedom once our working years are over? Here's the first scientifically backed, foolproof prescription for a happy, fulfilling retirement.