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IRAs, 401(k)s & Other Retirement Plans: Taking Your Money Out Paperback – July 27, 2007

ISBN-13: 978-1413306965 ISBN-10: 1413306969 Edition: 8th

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Product Details

  • Paperback: 304 pages
  • Publisher: NOLO; 8th edition (July 27, 2007)
  • Language: English
  • ISBN-10: 1413306969
  • ISBN-13: 978-1413306965
  • Product Dimensions: 8.9 x 7 x 0.8 inches
  • Shipping Weight: 15.2 ounces
  • Average Customer Review: 4.5 out of 5 stars  See all reviews (55 customer reviews)
  • Amazon Best Sellers Rank: #738,424 in Books (See Top 100 in Books)

Editorial Reviews

Amazon.com Review

IRA's, 401(k)s & Other Retirement Plans, by financial specialists Twila Slesnick and John C. Suttle, is a solid self-help legal look at a critical back-end issue that most of us blissfully ignore until we absolutely must confront it. The authors themselves admit it is not a compelling page-turner, but rather a comprehensive resource that at some point should prove indispensable to everyone with a retirement plan. They describe the various plans available--including Roth IRAs, to which an entire chapter is devoted--focusing on distribution rules, associated taxes, and potential penalties. They offer details on early distributions used to pay higher-education expenses or health-insurance premiums (which are not subject to taxes, under certain explicit conditions), distributions you must take during your lifetime (when they begin, how they're computed, what happens if your beneficiary changes), and distributions made after an account holder dies (largely concentrating on administrative procedures that could help you avoid unnecessary financial loss). Helpful appendices include relevant IRS forms, notices, and schedules as well as life-expectancy tables. --Howard Rothman --This text refers to an out of print or unavailable edition of this title.

Review

"Belongs on the bookshelf of anyone with an IRA, 401(k) or other type of qualified retirement plan. When the inevitable questions come up, here's where you'll find the answers." -- Kiplinger's Personal Finance

"Few resources are as valuable when it comes to financial planning in later life." -- The Wall Street Journal

"An explanation of the complicated rules on withdrawal, written for ordinary people." -- Hank Ezell, Atlanta Journal Constitution

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Customer Reviews

4.5 out of 5 stars
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See all 55 customer reviews
The book is written in a clear and easy to read manner.
J. White
Keep as much of your hard earned savings as possible for as long as possible by reading this book several times then saving it for future reference.
Shelby Ellis
Yes the book gives you good advice on what you need to be aware of when it comes to retiring and withdrawing money for your retirement plans.
M.L.

Most Helpful Customer Reviews

103 of 104 people found the following review helpful By Catherine Michael on May 5, 2005
Format: Paperback Verified Purchase
The reviewer plugging the "MarketBuster" book has totally missed the point of this NOLO book, which is given in the subtitle: Taking Your Money Out. The reviewer is talking about strategies for growing your account.

When you're in the savings/growing mode you're in a whole different situation than you're in when you're having to withdraw and/or live off your account. Going from one to the other requires a major change in strategy and, more important, a MAJOR change in mindset and, often, life style.

You're confronted with a whole new set of regulations, whether the reason for the change is retirement, inheriting an account, etc. The biggest change in mindset is that instead of the pleasant pre-retirement situation of watching the money accumulate, you have to recognize that you're now going to be watching it DECLINE. And unless you've got a tremendously more than sufficient account, you're going to have to live with the knowledge that you could outlive the account, possibly due to your own mistakes, some of which this book can help you avoid.

Four years ago I was confronted with making this shift a whole lot sooner than I'd planned, and with getting control of my retirement accounts under conditions where I had little help. Without the previous edition of this NOLO book, I would have been totally lost and probably made serious mistakes.

Now, one caveat: This book does not tell you how to MANAGE your withdrawals and account so as to produce INCOME; as one should expect from NOLO press as a LEGAL advice publishing house, it deals with the nuts, bolts, traps and hazards of the PROCESS of getting the money out.
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49 of 50 people found the following review helpful By A Customer on December 30, 1998
Format: Paperback
I do taxes. I have been a "tax professional," working for a reputable CPA firm, for eighteen years.
I imagine that most people think that we always read the most obscure laws, regulations and treatises on tax subjects before we make our decisions and recommendations. The fact is that most professionals are delighted to find publications which make good information easy to find. This book does that.
"How to Take Your Money Out" gives thorough coverage to a very complicated subject. Equally important is that it is almost enjoyable to read and that finding what you are looking for is easy. It is well organized and well indexed. When I looked for answers, I found them, on the first shot.
There are plenty of people, both professionals and taxpayers, who are wondering what to do about IRA and other retirement plan distributions. Having this book on the shelf will give you confidence that you'll know where to look when you need the answers.
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42 of 42 people found the following review helpful By A Customer on January 14, 2000
Format: Paperback
In my career, I work almost exclusively with retirees, and I have found this book to be the best resource for Retirement Distributions. It explains the rules in a concise manner, and includes the special rules for Roth IRAs. This is an especially good reference book for advisors because it goes in depth- not just the basics.
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39 of 40 people found the following review helpful By A Customer on May 15, 2000
Format: Paperback Verified Purchase
IRS rules for withdrawing money from IRAs are pretty complicated. This book, like others from Nolo Press, offers very specific coverage of these rules. I was looking for information on how IRAs can relate to Living Trusts, and I found it here. You have to pay attention, but the book is written in easy-to-understand English as opposed to legalese.
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75 of 82 people found the following review helpful By Jerry Eveleth on December 12, 1999
Format: Paperback
I purchased this book for clarification of "normal" removal of money from tax-deferred accounts. Unfortunately, the money spent was a complete waste for that purpose. I could find no mention, not a single comment, about this all important topie. "Normal" removal in my definition is removing reasonable sums of deferred money from accounts, between the ages of 59 1/2 and 70 1/2. While I have since discovered what I needed to know, I find it most odd that there is no mention of this topic.
That said, IF you wish information on the topic of either removing deferred money BEFORE 59 1/2 or AFTER 70 1/2, I would rate the book a 3 star on those issues. However even there, I would dig for details on some topics and find only general information.
As they say "the devil is in the details" and that certainly is true when it comes of tax-deferred investments and the IRS. While I have been happy with Nolo Press books in the past, I would keep looking before buying this one.
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16 of 16 people found the following review helpful By jpgreaney@sbcglobal.net on May 12, 2000
Format: Paperback
One important area of the tax law has changed since this book was last revised in October 1998. Table S on Page A/30 has been revised for the year 2000 by the IRS -- make sure you get a copy of the updated table. Or see if the Nolo Press offers a newly revised edition.
Everything else is great -- 5 stars
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14 of 14 people found the following review helpful By Charles G. McMaster on January 12, 2000
Format: Paperback
I find this book to be a vital part of my search for a strategy to make IRA minimum required distributions at age 70 1/2. The section on inherited IRAs is especially enlightening. I wish more had been said about non-spouse beneficiaries and the need to express a need for per stirpes clauses when the IRA owner selects such beneficiaries per the standard form of many trustees whereby the beneficiary's share goes to the surviving beneficiary if said beneficiary dies before the IRA owner. By per stirpes the deceased beneficiary's share goes to his/her children not to the living beneficiary (s). Sorry this is not clear but there is a need for some clarification in this area of beneficiary designation. CGM
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