دانلود کتاب Saving for Retirement without Living Like a Pauper or Winning the Lottery

Award-winning personal finance columnist read by millions of people each week   The Incredibly Simple, Step-by-Step Guide to Investing Money for Your Future!   “A cover-to-cover must-read for everyone 16 to 60 who wants to live the American Dream. The earlier we choosetosave®, the sooner we can stop saving, and the later we start saving the more we need to know in order to catch up. What you need to know; where you can find the answers; how you can take action. It is all here.”  –Dallas Salisbury, CEO, Employee Benefit Research Institute and American Savings Education Council (www.choosetosave.org)   “Bookstores are full of tomes advising people how to save for retirement, yet millions of people are still hopelessly confused about what they should do. Gail MarksJarvis breaks it down into simple steps that anyone can do to ensure a more comfortable retirement. Read this book and prosper!” –Liz Pulliam Weston, MSN Money Personal finance columnist and best-selling author of Your Credit Score   “This book offers a sensible, sophisticated approach for tackling the daunting challenge of saving for retirement. The good news? You can retire–without living on canned food or buying lottery tickets–if you follow Gail’s realistic strategies for saving, investing, and ultimately spending money in retirement.” –Susan Tompor, Detroit Free Press   “You can wallpaper a warehouse with all of the awful investment advice offered up every year in newspapers, magazines, and books. One of the most difficult tasks is to separate the get-rich-quick hype from the truly worthwhile knowledge that will make you wealthy over time. I’m thrilled to say that Gail MarksJarvis has cut through the claptrap of investment cacophony and provided not only a solid plan for retirement saving, but a realistic, common-sense approach to personal finance in general. This is a triumph.” –John F. Wasik, Bloomberg News personal finance columnist and author, The Merchant of Power     Drawn from responses to questions from over 20,000 readers of the author’s personal finance columns.   Over the years, Chicago Tribune financial columnist Gail MarksJarvis has taken the time to listen and respond to thousands of her readers about the issues, questions, and concerns that are most important to them. Saving and investing for retirement has never been more important...and with this book, it’s never been clearer what you need to do and how to do it.    Don’t wait another day! Discover…   How much you’ll need and how to get there…even if you’ve fallen behind Exactly how to set up IRAs, 401(k)s, or 403(b)s in minutes and pocket your tax money How to harness the money-making power of the stock market How to pick the right mutual funds confidently with simple strategies and specific recommendations Incredibly easy, safe investing strategies based on professional money-management techniques "Gimmick-free" investing shortcuts that won’t backfire on you How to keep debt from making you poor How to get reliable help if you need it…and avoid incompetents or scam artists How the new 2006 pension laws affect you  MarksJarvis eliminates the insider jargon, confusion, and math…takes the mystery out of the stock market…simplifies investing techniques…answers all your questions…clears away every obstacle in your way so you make money without taking foolish risks.  She’s already done it for millions, in the nation’s top newspapers and most popular financial radio and TV shows. Now, she’ll do it for you, too!   Introduction 1             Start Investing Early, or Start Now  1 2             Know What You'll Need  9 3             Savings on Steroids: Use a 401(k) and an IRA  39 4             An IRA—Every American’s Treasure Trove  59 5             IRA Decisions: How to Start, Where to Go  65 6             Why the Stock Market Isn't a Roulette Wheel  89 7             What's a Mutual Fund?  105 8             Making Sense of Wacky Mutual Fund Names  115 9             Know Your Mutual Fund Manager's Job  127 10           The Only Way that Works: Asset Allocation  151 11           Do This  163 12           How to Pick Mutual Funds: Bargain Shop  181 13           Index Funds: Get What You Pay For  189 14           Simple Does It: No-Brainer Investing with Target-Date Funds  209 15           Do You Need a Financial Adviser?  219 Index  229