The Value Of Debt In Retirement
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📒The Value Of Debt In Retirement ✍ Thomas J. Anderson
✏The Value of Debt in Retirement Book Summary : Increase the odds you won't run out of money in retirement– using debt! Conventional wisdom is wrong – being debt free inretirement may actually increase your risk. The Value ofDebt in Retirement teaches you how incorporating debt into yourretirement strategy may increase your return, lower your taxes andactually lower your risk. You read that right. If handledcorrectly, debt—that thing we've all been taught toavoid—can play an integral role in your life,especially in retirement. New York Times Best Selling Authorand nationally acclaimed financial expert Tom Anderson shows youhow to use the time tested strategies of the best companies and theultra rich to retire comfortably, minimize taxes, buy the thingsyou have always wanted to have and do the things you have alwayswanted to do. Thought provoking and against the grain, Anderson explains whyyour risk tolerance doesn't matter, why being debt free mayactually increase your risk and why rushing to pay off yourmortgage may be a financial disaster. Full of shocking revelationsand tricks high- net-worth individuals have used for years, TheValue of Debt in Retirement opens the world to a new approach towealth management in retirement, one that factors in both sides ofthe balance sheet as an integrated ecosystem. Real-world case studies illustrate how informed debt strategiescan lead to a happier, healthier retirement. See how an individualwith a net worth of more than $5 million can spend $20,000 permonth - after taxes - and pay less than $5,000 per year in taxes,how it is possible to increase your rate of return by 50%, and howa lower risk portfolio with debt could increase the chances you donot run out of money. Specifically written to Baby Boomers, practical guides andchecklists show how to use debt strategies to fund primary andsecondary properties, refinance credit card debt, and financehobbies, such as cars and boats and recreational vehicles.Additional guides show how you can help your children, help yourparents and leave a bigger legacy for your heirs and favoritecharities. Regardless of your net worth, The Value of Debt inRetirement provides tools to use to apply these concepts toyour personal situation. There is no free lunch: the book delivers a balanced perspectivefocusing on the potential risks and benefits of the strategiesdiscussed. A discussion on economic history highlights some of theshocks the economy may face and provides important warnings thatyou should factor into your retirement plan. Anderson not onlyshows that your life expectancy may be longer than you think, butalso illustrates that many investors may be on track to averagereturns well under 4% for the next ten years – a potentiallydevastating combination. Irrespective of your beliefs about debt,The Value of Debt in Retirement proves risk is moreimportant than return for retirees and provides suggestions on waysto minimize that risk. Not all debt is good and high levels of debt are bad. TheValue of Debt in Retirement is about choosing the right debt,in the right amounts, at the right time. Perhaps most importantly,this book isn't for everybody. This book requires responsibleactions. If you can't handle the responsibility associated with theideas then this book then it isn't for you. If you need a rate ofreturn under 3% from your investments then you may not need thisbook. But if you can handle the responsibility and if you need areturn above 3%, this book may offer insights into the best (andpotentially only) way to achieve your goals.
📒The Value Of Debt ✍ Thomas J. Anderson
✏The Value of Debt Book Summary : A New York Times bestseller and one of the Ten Best Business Books of 2013 by WealthManagement.com, this book brings a new vision of the value of debt in the management of individual and family wealth In this groundbreaking book, author Tom Anderson argues that, despite the reflex aversion most people have to debt—an aversion that is vociferously preached by most personal finance authors—wealthy individuals and families, as well as their financial advisors, have everything to gain and nothing to lose by learning to think holistically about debt. Anderson explains why, if strategically deployed, debt can be of enormous long-term benefit in the management of individual and family wealth. More importantly, he schools you in time-tested strategies for using debt to steadily build wealth, to generate tax-efficient retirement income, to provide a reliable source of funds in times of crisis and financial setback, and more. Takes a "strategic debt" approach to personal wealth management, emphasizing the need to appreciate the value of "indebted strengths" and for acquiring the tools needed to take advantage of those strengths Addresses how to determine your optimal debt ratio, or your debt "sweet spot" A companion website contains a proprietary tool for calculating your own optimal debt ratio, which enables you to develop a personal wealth balance sheet Offering a bold new vision of debt as a strategic asset in the management of individual and family wealth, The Value of Debt is an important resource for financial advisors, wealthy families, family offices, and professional investors.
📒The Value Of Debt In Building Wealth ✍ Thomas J. Anderson
✏The Value of Debt in Building Wealth Book Summary : "The Value of Debt in Building Wealth will greatly expand upon and go beyond the ideas presented in The Value of Debt by framing out debt strategies for individuals who are generally between 25 and 40 years old and in the first stages of accumulating debt. Topics discussed in the book include: - Debt-to-Asset versus Debt-to-Income ratios: where they intersect, how they tend to move over time, and how these ratios can help guide individuals and families - Rent versus buy; a detailed discussion and analysis - A discussion of student debt and what to do with it - Debt overlay vis-. is one's investment portfolio: where should you direct your cash flow funds? A debate, discussion, and flow chart - Maximizing retirement-related investment opportunities--starting early matters - Saving for children's college and graduate education - The importance of liquidity, and why individuals should be willing to pay for it - The importance of lines of credit including asset based portfolio loans - Fixed vs. floating debt; what you are really paying for, and whether it is worth it - Investment basics and important simple concepts to understand as you move forward"--
✏Compendium of City Government Finances in Book Summary :
📒Baby Boomers In Retirement ✍ United States. Congressional Budget Office
✏Baby Boomers in Retirement Book Summary :
📒The Value Of Money ✍ Susan McCarthy
✏The Value of Money Book Summary : One of our nation’s leading financial advisors and the “Soul Authority on Money Management” reveals that while emotions can make financial decisions difficult, our emotional relationship with our money can also lead to not just greater wealth and financial security but amazing personal growth as well. As a financial advisor for the past twenty-five years, Susan McCarthy has firsthand knowledge of the surprising degree to which emotion can govern important financial transactions. But, time and again, she also has seen her clients emerge from challenging financial situations with a newfound sense of purpose in their lives. Says McCarthy: “The world of money is a world of emotion; a stage on which we play out all of our dramas. The lessons it has to teach us go well beyond the financial. They reach deep into our emotional and even our spiritual lives. Money is one of our greatest teachers.” According to McCarthy, for many of us the world of money reaches deep into our psyches, setting off fears and uncertainties we often don’t even know we harbor. In The Value of Money, she gives readers the tools they need to see past this tumultuous aspect of money to achieve not just greater wealth and financial security but personal insights as well. Presenting various “money types” she has observed in her work, McCarthy helps readers to determine what type (or combination of types) they are and how each typically responds to life’s most challenging financial events—taking financial responsibility for the care of a child or elderly parent, the death of a spouse, retirement— and how to turn around any self-defeating responses to the events. This wise book outlines a path not just to a richer future financially but spiritually as well.
📒Estate Retirement Planning Answer Book 2009 ✍ William D. Mitchell
✏Estate Retirement Planning Answer Book 2009 Book Summary : Estate and Retirement Planning Answer Book (2009 Edition) provides expanded coverage of financial and estate planning strategies for implementing individualized solutions for the special problems associated with retaining accumulated wealth for retirement and estate planning purposes. With its comprehensive two-part approach to the complex issues that link retirement planning and estate planning, Estate and Retirement Planning Answer Book (2009 Edition), includes coverage of such topics as the final minimum distribution rules for individual retirement accounts and qualified plan distributions, the use of insurance as a qualified plan asset, and changes in the law to reflect the latest legislation.
✏Baby Boom Generation Retirement of Baby Boomers is Unlikely to Precipitate Dramatic Decline in Market Returns but Broader Risks Threaten Retire Security Book Summary :
✏1992 Census of Governments Book Summary :
📒I M In Debt Over 40 With No Retirement Savings Help ✍ John L. White
✏I m in Debt Over 40 with No Retirement Savings Help Book Summary : How would you like to be debt free? Do you wish you had some money set aside for retirement? Instead of just wishing about it, you can make it happen! Unlike most financial books, this one is based on real life experience, not some financial advisor's theories. All of the strategies are from the author's real life experiences, and they are guaranteed to work--even if you're not over 40.