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Buckets of Money Retirement by Raymond J Lucia: New
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A book that has been read but is in good condition. Very minimal damage to the cover including scuff marks, but no holes or tears. The dust jacket for hard covers may not be included. Binding has minimal wear. The majority of pages are undamaged with minimal creasing or tearing, minimal pencil underlining of text, no highlighting of text, no writing in margins. No missing pages.
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Located in: Waterford, Michigan, United States
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eBay item number:226691655834
Item specifics
- Condition
- Pages
- 240
- Publication Date
- 2010-08-09
- ISBN
- 9780470581575
About this product
Product Identifiers
Publisher
Wiley & Sons, Incorporated, John
ISBN-10
0470581573
ISBN-13
9780470581575
eBay Product ID (ePID)
102833124
Product Key Features
Book Title
Buckets of Money Retirement Solution : the Ultimate Guide to Income for Life
Number of Pages
240 Pages
Language
English
Topic
Personal Finance / General, Personal Finance / Retirement Planning
Publication Year
2010
Illustrator
Yes
Genre
Business & Economics
Format
Hardcover
Dimensions
Item Height
0.8 in
Item Weight
14.9 Oz
Item Length
9.3 in
Item Width
6.3 in
Additional Product Features
Intended Audience
Trade
LCCN
2010-026713
Dewey Edition
22
TitleLeading
The
Dewey Decimal
332.024014
Table Of Content
Foreword by Ben Stein xi Acknowledgments xv Introduction xvii Part I Regain Your Balance Chapter 1 Adapt to the Changing Landscape 3 The End of Easy 3 The Lessons 9 A Final Word 10 Chapter 2 Prepare for Whatever the Future Holds 11 Rebuild Your Savings 12 Rethink Your Retirement Years 17 Retool Your Retirement Savings Plans 23 Reinvent Your Strategy 26 A Final Word 28 Part II Forge a New Plan Chapter 3 Grasp the Buckets of Money Concept 33 Put Time on Your Side 34 Other Risks 35 Wall Street's Answer 38 Flawed Analyses 40 Main Street's Myopia 41 "Reverse Dollar-Cost Averaging" 42 Proper Allocation 44 Proper Location 45 A Final Word 47 Chapter 4 Choose the Proper Investments 49 Bucket 1: The Income Bucket 49 Bucket 2: The Relative Safety Bucket, Mid-term Investments 58 Bucket 3: The Growth Bucket, Long-Term Investments 68 A Final Word 76 Chapter 5 Execute the Buckets of Money Strategy 77 First, Check Goals 77 Art and Science 78 Filling the Buckets 79 Bucket 1 80 Bucket 3A 81 Planning for Inflation 82 Bucket 3B 83 The Bottom Line 85 The Fate of the Heirs 85 Another Scenario 86 How Much Risk? 87 How to Allocate 88 The Importance of Bucketizing Now 89 A Final Word 90 Part III Refine the Plan Chapter 6 Take Another Look at Annuities 93 What's an Annuity? 93 Predicting the Future 102 Good Evidence 102 What Academia Says 103 Recovery Strategy 104 Risks and Opportunities 105 A Final Word 106 Chapter 7 See What REITs Can Do for You 109 What Exactly Is a REIT? 110 Combining the Best Features 110 Public versus Nontraded REITs 113 Another Advantage 114 The Lowdown on Loads 116 Are All REITs Low-Leveraged? 118 What Kinds of Properties Are Best? 120 Differs from Homes 124 The Role of REITs in a Portfolio 124 What Should You Look For? 125 Getting Help 128 My Personal Bias 129 A Final Word 131 Chapter 8 Play It Smart When It Comes to Personally Owned Real Estate 133 Your Home and Your Future 133 Buying Other Real Estate 147 A Final Word 153 Chapter 9 Give Uncle Sam His Fair Share--But No More 155 Tax-Free Municipal Bonds 156 Tax Management of Stock Portfolios 157 Real Estate 157 Roth Conversion 159 Incorporating Your Business 162 Tax-Credit Investing 164 Choosing Smart Location of Assets 166 A Final Word 168 Part IV Live Happily Ever After Chapter 10 Craft a Workable Withdrawal Strategy 173 Beware of Averages 174 Pitfalls Abound 176 Getting Set Up 177 Drawing Down Your Total Retirement Resources 179 Keeping Taxes Low 183 A Few More Thoughts about Stocks 187 A Final Word 191 Epilogue Keep Your Eye on Enjoyment 193 About the Authors 197 Recommended Resources 199 Index 203
Synopsis
Investors, shell-shocked by the "Great Recession" of 2008-2009, are looking for answers, for something fresher than the old 'buy-and-hold' mantra. They hunger for stability, yet yearn for growth to rejuvenate their battered portfolios. Ray Lucia's The Buckets of Money Retirement Solution: The Ultimate Guide to Income for Life provides just that--a reassuring and scientifically proven strategy that gives investors both growth and income. Lucia, a Certified Financial Planner who's helped thousands of people invest more than $2 billion, explains how to spend down 'safe' buckets (containing, for example, Treasuries, CDs, bonds), while leaving a riskier bucket (real estate, stocks and alternative investments) to grow long-term. This strategy shields investors from the short-term ups and downs of the market. And it gives them the courage and discipline to stay invested no matter what the future holds. Written in a breezy, accessible style and loaded with tons of examples and clear, specific calculations, the book explains how to set your financial goals, divvy up your money accordingly, and then invest intelligently. With this book as your guide, readers will learn how to achieve both income and growth while at the same time reducing risk. "All in all," Lucia writes, "this plan is akin to a sports car that seats six, approximating the best of both worlds. In this case by being a conservative strategy that's also growth-oriented." Almost every kind of investment--stocks, bonds, commodities, real estate--plunged in the past year or two, turning off millions of investors who'd been planning for and counting on a reasonably comfortable retirement. These retirees or near-retirees need solutions ... something fresher than the old 'buy-and-hold' mantra. Yet here's what they hear from the financial-services industry: Set up an asset-allocation model, then take a systematic withdrawal to support your retirement ... remembering, of course, to rebalance the accounts to remain in sync with the model. Wrong! That maximizes the advisors' fees but doesn't protect the investors' assets during the tough times., Investors, shell-shocked by the "Great Recession" of 2008-2009, are looking for answers, for something fresher than the old 'buy-and-hold' mantra. They hunger for stability, yet yearn for growth to rejuvenate their battered portfolios. Ray Lucia's The Buckets of Money Retirement Solution: The Ultimate Guide to Income for Life provides just that--a reassuring and scientifically proven strategy that gives investors both growth and income. Lucia, a Certified Financial Planner who's helped thousands of people invest more than $2 billion, explains how to spend down 'safe' buckets (containing, for example, Treasuries, CDs, bonds), while leaving a riskier bucket (real estate, stocks and alternative investments) to grow long-term. This strategy shields investors from the short-term ups and downs of the market. And it gives them the courage and discipline to stay invested no matter what the future holds. Written in a breezy, accessible style and loaded with tons of examples and clear, specific calculations, the book explains how to set your financial goals, divvy up your money accordingly, and then invest intelligently. With this book as your guide, readers will learn how to achieve both income and growth while at the same time reducing risk. "All in all," Lucia writes, "this plan is akin to a sports car that seats six, approximating the best of both worlds. In this case by being a conservative strategy that's also growth-oriented." Almost every kind of investment--stocks, bonds, commodities, real estate--plunged in the past year or two, turning off millions of investors who'd been planning for and counting on a reasonably comfortable retirement. These retirees or near-retirees need solutions ... something fresher than the old 'buy-and-hold' mantra. Yet here's what they hear from the financial-services industry: Set up an asset-allocation model, then take a systematic withdrawal to support your retirement ... remembering, of course, to rebalance the accounts to remain in sync with the model. Wrong That maximizes the advisors' fees but doesn't protect the investors' assets during the tough times., Investors, shell-shocked by the Great Recession of 2008-2009, are looking for answers, for something fresher than the old 'buy-and-hold' mantra. They hunger for stability, yet yearn for growth to rejuvenate their battered portfolios. Ray Lucia's The Buckets of Money Retirement Solution: The Ultimate Guide to Income for Life provides just that--a reassuring and scientifically proven strategy that gives investors both growth and income. Lucia, a Certified Financial Planner who's helped thousands of people invest more than $2 billion, explains how to spend down 'safe' buckets (containing, for example, Treasuries, CDs, bonds), while leaving a riskier bucket (real estate, stocks and alternative investments) to grow long-term. This strategy shields investors from the short-term ups and downs of the market. And it gives them the courage and discipline to stay invested no matter what the future holds. Written in a breezy, accessible style and loaded with tons of examples and clear, specific calculations, the book explains how to set your financial goals, divvy up your money accordingly, and then invest intelligently. With this book as your guide, readers will learn how to achieve both income and growth while at the same time reducing risk. All in all, Lucia writes, this plan is akin to a sports car that seats six, approximating the best of both worlds. In this case by being a conservative strategy that's also growth-oriented. Almost every kind of investment--stocks, bonds, commodities, real estate--plunged in the past year or two, turning off millions of investors who'd been planning for and counting on a reasonably comfortable retirement. These retirees or near-retirees need solutions ... something fresher than the old 'buy-and-hold' mantra. Yet here's what they hear from the financial-services industry: Set up an asset-allocation model, then take a systematic withdrawal to support your retirement ... remembering, of course, to rebalance the accounts to remain in sync with the model. Wrong That maximizes the advisors' fees but doesn't protect the investors' assets during the tough times., Many people head into retirement assuming they will have enough money to live on for the rest of their lives. But when issues such economic disaster come into play, their financial cushion can become so thin that they may have to cut back drastically on their standard of living or go back to work just to survive., Raymond Lucias The Buckets of Money Retirement Solution "Ray Lucia has always been great on radio and TV. When you read The Buckets of Money Retirement Solution, youll know why he is one of the nations top retirement experts." Sean Hannity , radio/TV host and New York Times bestselling author of Conservative Victory "If Albert Einstein were alive, he might have invented something as good as or better than Buckets of Money. Hes not, so I think this is one of the best things you can do." Ben Stein , economist "Buckets of Money is the most useful and comprehensive guide to retirement I have ever read." Neil Cavuto , Fox Business News "The simple truth is that Ray Lucia probably knows more about retirement planning than anyone on the planet. For anyone who wonders how he or she is going to pay for retirement, The Buckets of Money Retirement Solution comes just in time. As the Zen master said, The answer is in your hands." Phil DeMuth , coauthor of The Little Book of Bulletproof Investing "Ray Lucias strategies of bucketizing your money have proven to be effective and easy to implement, no matter if the economy and market are soaring or plunging. This book gives you the road map you need to bucketize your money and to be able to ignore all the harmful noise that makes it difficult for most investors to succeed." Jordan E. Goodman , "Americas Money Answers Man" and author of Everyones Money Book "If the past few years have tripped up your retirement plans, The Buckets of Money Retirement Solution provides a time-tested, commonsense approach to help you regain your balance and get your investments back on solid footing." Brent Burns , President, Asset Dedication "Many financial books are either too technical or too simplistic, but Ray manages to walk the delicate line to achieve the best of both approaches. He backs everything up with statistics and facts. But he writes in such a conversational, breezy manner that you get the concept without really having to work at it. Wall Street hopes you will not read this book." Stephen J. Huxley , PhD, Professor of Finance and Quantitative Analytics, University of San Francisco
LC Classification Number
HG179.L825 2010
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