Don't Die Broke: Taking Money Out of Your IRA, 401(k), or Other Savings Plan

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Don't believe the subtitle

A Solid Effort!

A practical, step-by-step, effective approach

This book is a lifeline...highly recommend it

Excellent Treatise On A Very Complicated Topic

Don't Die Broke: Taking Money Out of Your IRA, 401(k), or Other Savings Plan - and Creating Lasting Retirement Income
Margaret A. Malaspina
Manufacturer: Bloomberg Press
ProductGroup: Book
Binding: Paperback

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Amazon.com

Don't Die Broke: How to Turn Your Retirement Savings into Lasting Income, by personal-finance writer and financial-education specialist Margaret A. Malaspina, offers a fresh take on one of today's hottest money matters by outlining ways to tap most effectively into the retirement nest egg that you're currently nurturing. While most such guides concentrate on actually amassing those future fiscal resources in the first place, Malaspina shows instead how to maximize what you're (hopefully) already building so you'll (hopefully) always have what you need. "Most people find themselves making decisions about retirement plan distributions with little guidance," she writes. "Few people understand the consequences of their choices--or, indeed, what choices they have." In clear, highly focused chapters, she offers solid suggestions for creating a lasting retirement income, lowering potential taxes, and building an estate worth passing along. --Howard Rothman

Book Description

The book that picks up where other retirement planning books leave off. People spend years saving for retirement. But how can they find out exactly what to do with the money they've accumulated? What are the various and complicated options they need to know about so they don't risk big tax hits? How can this hard-earned money be turned into lasting income? Don't Die Broke, in hardcover format, went to a third printing within four months of publication. As baby boomers are faced with financial questions they've never had to think about, they can turn to author Margaret Malaspina for her expert financial advice. Peter Lynch says, "There's not another book like it." Here's how one reader describes Don't Die Broke: "This book was a great surprise. I didn't expect to like it, mostly because I hate the very thought of retirement planning and I approach the subject kicking and screaming. Yet it is time, and this book has been an enormous help. It makes the subject at least accessible, if not downright friendly." There are hundreds of books on saving for retirement and investing in retirement. This book is different. Don't Die Broke picks up where most retirement planning leaves off--and sets the standard for reader-friendly information on a complicated topic.

Smart Strategies:
* Creating a retirement paycheck that will last a lifetime
*Choosing the right withdrawal option
* Lowering the tax bill on retirement savings
* Avoiding dead-end or irrevocable choices
* Building an estate plan that preserves tax benefits for heirs
* Finding professional help and additional resources

Customer Reviews:

Don't believe the subtitle.......2002-07-11

The subtitle is "Taking Money out of your IRA, 401(k), or other savings plan-- and creating lasting retirement income, but there's precious little useful how-to here. There's basically one chapter (9) that deals with the details of setting up a withdrawal plan and the advice boils down to "go find an investment advisor". Most of the book is spent explaining 401ks, IRAs, workplace plans, etc.

It's my own fault, though. Next time I'll read the TOC before buying!

A Solid Effort!.......2001-03-17

Many rules and regulations govern pension plans. The technicalities are complicated and change constantly. People can make irrevocable errors doing something as simple as moving assets from one plan to another. Margaret A. Malaspina cuts through retirement plan red tape and explains the jargon. She shows you how to get to your money after you have worked hard to save it. This book demystifies your options and clarifies the consequences of your choices. The author makes reading about taxes relatively painless. We at getAbstract recommend this book to anyone planning retirement, switching retirement plans, or withdrawing retirement funds. However, because of its discussion of United States tax law, it is not useful to those in other countries.

A practical, step-by-step, effective approach.......2001-02-17

In Don't Die Broke, Margaret Malaspina offers a careful, practical, step-by-step, effective approach to ensuring proper and profitable management of money. Here is a wealth of useful advice and counsel on making money last, avoiding the need to spend retirement years worrying about financial security. The reader will learn how to turn assets into income; create a monthly paycheck from savings, stocks, and other financial resources; avoid making irreversible mistakes with retirement savings; understand a company's retirement plans, individual retirement accounts (such as the new Roth IRAs); transfer wealth to heirs; and minimize taxes on retirement savings. Don't Die Broke is "must" reading for anyone seeking relief from financial stress in their retirement and eventually being able to leave something to loved ones.

This book is a lifeline...highly recommend it.......2000-02-07

Like so many of my friends, my husband's and my focus has been all about reaching some magic number that would say, ok,now it's safe to retire without going broke... We gave not a thought to how we'd manage the money afterwards. But then we began to hear rumors ... you must do this, you can't do that, and panic set in. Finally, after reading Ms. Malaspina's book, we understand what's really going on (better than we did after talking to our accountant!). I've given this book to friends and even a cousin who was 69-1/2 and didn't have a clue about the need to start drawing on certain retirement savings. This book should be required reading for anyone over 50. Thanks, Bloomberg Press!

Excellent Treatise On A Very Complicated Topic.......2000-02-07

Margaret Malaspina has done an incredible service to the taxpaying world in her book. As a Certified Public Accountant, I can attest to fact that dealing with the Internal Revenue Service Code is an extremely difficult process. She has consistently dealt with this complicated and very confusing subject and de-mystified it in a way that heretofore has never been done. As more and more assets of American citizens are finding their way into retirement accounts, the timing of this book is perfect. What might appear to be some type of simple election or investment decision can backfire in terms of significant additional taxes. She attempts and succeeds in identifying these problems and proposing appropriate solutions. I have read it thoroughly and have recommended it to my clients and friends.

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INVENTORY MANAGEMENT AND PURCHASING: TALES AND TECHNIQUES FROM THE AUTOMOTIVE AFTERMARKET
PETE KORNAFEL
Manufacturer: 1st Books Library
ProductGroup: Book
Binding: Hardcover

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Discretionary Justice in Europe and America
Kenneth Culp Davis , Joachim Herrmann , Karl Matthias Meessen , A. A. M. F. Staatsen , Lars Busck , Sabino Cassese , Christian Merlin , J. A. J. Scheffers , A. B. Ringeling , and R. P. Wolters
Manufacturer: University of Illinois Press
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ASIN: 0252005791

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Discretionary Justice in Europe and America
Kenneth Culp et al. Davis
Manufacturer: Univ of Illinois Pr
ProductGroup: Book
Binding: Hardcover
ASIN: B000S5WNJ8

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Discretionary Justice in Europe and America

Manufacturer: Univ of Illinois Pr
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Binding: Hardcover
ASIN: B000I98V7M

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Ioffe and Nefedova provide a geographical perspective of Russia in modern times.

Book Description

This new edition is fully updated to address and include: significant changes in hospital environments, including managed care delivery methodologies, how Medicare and Medicaid work, and the role of nurse practitioners, physician assistants, and other ancillary hospital personnel; patient screening recommendations from agencies such as the U.S. Preventive Services Task Force and the American Cancer Society; convenient lists of common drug reactions and commonly used alternative and complementary medicine treatment modalities; and expanded, commonly used medical abbreviations and acronyms. Students benefit from a convenient handbook that offers a crucial link between basic sciences years and the hospital experience, and are aided in achieving mastery of proper physical diagnosis and medical work-up for accurate diagnosis. Includes concise disease pathophysiology reviews.

Customer Reviews:

Great guide for medical students starting clinical rotations.......2004-03-24

Great relatively pocket-sized guide for medical students who are beginning their clinical rotations. This book has guides on how to perform the physical exam and patient history, how to write up a patient note, as well as a review of pathophysiology of many common diseases students will see on their medicine rotations, and great appendices with lists of commonly used
drugs and drug classes, normal lab values, clinical signs, and common drug-drug interactions. This book was originally written by other students, so it has the fundamentals of becoming a clinician in today's medical environment. I think this book will be absolutely indispensable when I start my 3rd year rotations. It has all of the essentials with many tables
and figures to help guide the patient work-up experience. I like the examples of patient write ups and figures of radiography and ECGs. The only thing I would change about the book if I could would be to make the book dimensions more amenable to carrying around in a coat pocket. Otherwise,
it's a great student resource.

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Fundamentals of Introductory Chemistry
Darrell D. Ebbing , and R. A. D. Wentworth
Manufacturer: Houghton Mifflin Company
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For full description, see catalog entry for Ebbing/Wentworth, Introductory Chemistry, 2/e.

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Fundamentals of Polymer Science: An Introductory Text, Second Edition
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Now in its second edition, this widely used text provides a unique presentation of today's polymer science. It is both comprehensive and readable. The authors are leading educators in this field with extensive background in industrial and academic polymer research. The text starts with a description of the types of microstructures found in polymer materials. This forms the basis of understanding some of the key features of the various mechanisms of homopolymerization and copolymerization that are discussed in following chapters. Also discussed in these chapters are the kinetics and statistics of polymerization with a separate chapter on the characterization of chain structure by spectroscopic methods. The next part of the text deals with chain conformation, structure and morphology, leading to a discussion of crystallization, melting and glass transition. The discussion then moves from solid state to solution properties where solution thermodynamics is introduced. This provides the basis for discussion of the measurement of molecular weight by various solution methods. The final chapter deals with mechanical and rheological properties, which are discussed from a phenomenological continuum approach and then in terms of a fundamental molecular perspective. Altogether, the text provides a comprehensive, lucid introduction to today's polymer science as a foundation to the R&D of polymeric materials. More than 200 schematics and other figures illustrate key concepts and important aspects of polymeric materials. The text will be useful as an update for polymer and other materials scientists in industry, and as an introduction to engineers working with polymeric materials who would benefit from a better understanding of polymer science basics.

COMPLETE SOLUTIONS MANUAL: INTRODUCTORY CHEMISTRY AND FUNDAMENTALS OF INTRODUCTORY CHEMISTRY

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COMPLETE SOLUTIONS MANUAL: INTRODUCTORY CHEMISTRY AND FUNDAMENTALS OF INTRODUCTORY CHEMISTRY
Bookin; Ebbing; Wentworth
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Fundamentals of Introductory Chemistry and Study Guide and Laboratory Manual, First and Second Editions

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Ebbing
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Study Guide Introductory Chemistry and Fundamentals of Introductory Chemistry

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Book Description

Explores the pros and cons of privatizing the postal service.

Customer Reviews:

Should be named: Mail @ 1998.......2001-08-24

The opening sentence of Acknowledgements succinctly summarizes this book: "The papers in this volume are from the . . . conference . . . held December 2, 1998." Well, a lot has changed since then. Most importantly, the USPS surpluses of that time have turned into severe deficits. Therefore, If you're not familiar with USPS issues, do read this. If you are, for example, if you have read Hudgin's previous book on USPS, this contains little that is new.

Great book on a monopoly that needs to go.......1999-04-22

Have you ever wondered why the cost of stamps keeps going up, even as technology brings the cost of so many other goods and services down?

Have you wondered why, at so many post offices, service is poor and employees have a surly attitude?

The simple answer is that the USPS is a monopoly. This book does a good job of explaining the problems of this government monopoly, why a private mail carrier would do the work more efficiently and at less cost, and how to get from here to there.

Book Description

...a solid piece of research...important...certainly recommended to all in the LIS community who have any interest in government information policy. --LIBRARY QUARTERLY ...a major contribution to understanding the impact of the privatization of government information..offers valuable insights that would be useful when other government information privatization schemes are examined or contemplated. --JOURNAL OF GOVERNMENT INFORMATION ...powerful...it deserves to be carefully read by those who will be making future decision on U.S. technology and information policy. --JOURNAL OF ACADEMIC LIBRARIANSHIP

Book Description

If one is looking for a quick way to convert heartache into humor, look no more. Harvie turns every opportunity he can into a way of exploiting those around him, in turn teaching us not to take life so serious. The eye of the hurricane remains solid as everyone is left to wonder what it is exactly he just said? Like the New Testament, this book is part two of my barbers bible.

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