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• Cover
• Introduction
• About This Book
• Foolish Assumptions
• Icons Used in This Book
• Beyond the Book
• Where to Go from Here
• Book 1: Managing Your Career and Retirement
• Chapter 1: Finding a New Job after 50
• Recognizing the Need for and Value of Experienced Workers
• Tallying the Benefits of Staying in the Workforce
• Reorienting Yourself to Today’s Job-Search Realities
• Deciding What (Else) You Want Out of Work
• Pursuing Your Passion and Finding Purpose
• Putting Proven Success Strategies into Practice
• Dealing with Ageism
• Chapter 2: Dealing with Changes in Employment
• Filing for Unemployment Benefits
• Getting Your Financial House in Order
• Financing Any Additional Education and Training
• Writing Off Your Job-Hunt Expenses
• Accounting for Social Security Benefits Reductions When You Work
• Taking Advantage of Additional Public Benefits
• Providing Benefits for Yourself
• Chapter 3: Joining the Ranks of the Self-Employed
• Working on Contract
• Launching Your Own Business
• Becoming a Social Entrepreneur
• Exploring Franchising Opportunities
• Chapter 4: Tracking Small Business Revenues and Costs
• Establishing an Accounting System for Your Business
• Keeping Good Tax Records for Your Small Business
• Chapter 5: Estimated Taxes and Self-Employment Taxes
• Form 1040-ES: Estimated Tax for Individuals
• Keeping Current on Your Employees’ (and Your Own) Tax Withholding
• Schedule SE: Self-Employment Tax
• Form 8889: Health Savings Accounts (HSAs)
• Chapter 6: Developing a Retirement Plan
• Deciding When to Retire
• Knowing How Much You Really Need for Retirement
• Eyeing the Components of Your Retirement Plan
• When Setting Up Your Couples Plan
• Crunching the Numbers
• Making Plans for Nonfinancial Matters
• Chapter 7: Grasping Retirement Accounts and Their Rules
• Eyeing the Characteristics of Retirement Accounts
• Identifying the Different Types of Retirement Accounts
• Rolling Over Retirement Balances
• Choosing Beneficiaries for Your Retirement Accounts
• Taking Required Minimum Distributions, or RMDs
• Book 2: Getting Your Affairs in Order
• Chapter 1: Ensuring That Your Last Wishes Are Honored
• What Can Happen When You Don’t Plan Your Estate
• Reaping the Benefits of Planning Your Estate
• Looking Out for Common Pitfalls
• Realizing What Happens If You Don’t Have an Estate Plan
• Creating Your Will or Trust
• Chapter 2: Planning Your Bequests
• Calculating Your Assets
• Determining Your Intended Heirs and Beneficiaries
• Thinking about Your Family Circumstances
• Estate Planning for Second Families
• Estate Planning for Your Business
• Appointing the People Who Will Carry Out Your Estate Plans
• Finding Professionals to Assist You
• Chapter 3: Providing for Your Children and Dependents
• Choosing a Guardian
• Managing Your Child’s Assets
• Providing for Your Child’s Needs
• Chapter 4: Writing and Signing a Will
• Deciding Whether a Will Serves Your Needs
• Exploring the Types of Wills
• Elements of a Will
• Executing a Valid Will
• Book 3: Dealing with Insurance
• Chapter 1: Seven Guiding Principles of Insurance
• Keep It Simple
• Don’t Risk More than You Can Afford to Lose
• Don’t Risk a Lot for a Little
• Consider the Odds
• Risk a Little for a Lot
• Avoid Las Vegas Insurance
• Buy Insurance Only as a Last Resort
• Chapter 2: Buying Insurance
• Understanding What Makes a Balanced Insurance Program
• Customizing Each Policy to Meet Your Unique Needs
• Choosing Your Professional Adviser
• Choosing an Insurance Company
• Chapter 3: Getting the Most Out of Medicare
• Starting Medicare: A Broad Overview of Enrollment Deadlines
• Understanding Part A
• Exploring Parts B and C
• Qualifying for Prescription Drug Coverage with Part D
• Eyeing a Medicare Supplement
• Resolving Some Sticky Issues
• Chapter 4: Introducing the Personal Umbrella Policy
• Discovering the Umbrella Policy’s Major Coverage Advantages
• Coordinating an Umbrella with Your Other Insurance
• Determining How Many Millions to Buy
• Book 4: Handling Budgets and Investments
• Chapter 1: Protecting Your Employment Income
• Assessing Your Need for Life Insurance
• Protecting Your Employment Income: Disability Insurance
• Investing In and Protecting Your Health
• Chapter 2: Managing Budgets and Expenses
• Pointing Out Some Retirement Worries You May Have
• Spending Your Nest Egg
• How Spending Really Changes in Retirement
• Managing Your Expenses
• Chapter 3: Guiding Investments and Distributions in Retirement
• Guiding Your Investments through Retirement
• Looking Closer at Annuities
• Choosing Your Pension Options
• Eyeing Withdrawal Strategies for Your Investment Accounts
• Chapter 4: Making Your Best Choices under Social Security
• The Lowdown on Social Security
• Determining When You’re Eligible for Benefits
• Taking a Closer Look at Spouses’ and Survivor Benefits
• Identifying When You May Need to Receive Benefits
• Noting How Working Reduces Benefits
• Preserving Your Benefits
• Being Aware of Potential Income Taxes on Your Benefits
• Changing Your Mind: A Do-Over
• Looking at What the Future Holds for Social Security
• Book 5: Planning Your Estate
• Chapter 1: Yes, You Have an Estate
• What Is an Estate?
• Why You Need to Plan Your Estate
• Why Your Estate-Planning Goals Are Different from Your Neighbors’
• The Critical Path Method to Planning Your Estate
• Getting Help with Your Estate Planning
• Chapter 2: Bean Counting: Figuring Out What You’re Worth
• Calculating the Value of Your Real Property
• Calculating the Value of Everything Else: Your Personal Property
• Dead Reckoning: Subtracting Your Debts from Your Assets
• Giving Gifts throughout Your Life to Reduce Your Estate’s Value
• Calculating Adjustments in Your Estate’s Value Due to Life Changes
• Chapter 3: Probate and How to Dodge It
• Probing Probate: What You Should Know
• Knowing the Good, the Bad, and the Ugly of Probate
• Streamlining the Probate Process
• Appointing Your Person in Charge
• Thinking Things Through When Someone Asks You to Be a Personal Rep
• Understanding Will Substitutes
• Sorting through the List of Will Substitutes
• Identifying Some Less Common but Worthy Will Substitutes
• Chapter 4: Understanding Trusts
• Defining Trusts, Avoiding Hype
• Trust Power — Making Your Beneficiaries Smile
• Sorting Out Trusts — from Here to Eternity
• Chapter 5: Minimizing Estate-Related Taxes
• Figuring Out Where You Are Today
• Fortune-Telling: Picturing the Future as Best You Can
• Hmmm … Deciding on Strategies and Trade-Offs
• Putting Together a Comprehensive Estate-Related Tax Plan
• Book 6: Tapping Into Your Home’s Value
• Chapter 1: Making Important Housing Decisions
• Analyzing Moving
• Tapping Your Home’s Equity: Reverse Mortgages
• Looking at Tax Issues Regarding Your Housing Decisions
• Chapter 2: Reverse Mortgages for Retirement Income
• Grasping the Reverse Mortgage Basics
• Shopping for a Reverse Mortgage
• Deciding Whether You Want a Reverse Mortgage
• Chapter 3: Deciding to Sell
• Figuring Out if You Really Need to Sell
• Knowing the Health of Your Housing Market
• Chapter 4: Exploring the Economics of Selling
• Estimating Proceeds of Sale
• Assessing the Financial Feasibility of a Move
• Chapter 5: Determining Your House’s Value
• Defining Cost, Price, and Value
• Determining Fair Market Value (FMV)
• Using a Comparable Market Analysis
• Bidding Wars
• About the Authors
• Connect with Dummies
• Index
• End User License Agreement