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Saving for Retirement without Living Like a Pauper or Winning the Lottery [Kindle Edition]

Gail MarksJarvis
4.6 out of 5 stars  See all reviews (58 customer reviews)

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Book Description

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...



Editorial Reviews

Review

“Leading financial columnist MarksJarvis presents the everyman’s guide to saving for retirement. The idea of navigating the world of 401Ks and Roth IRAs leaves many people scared, cold, or both. This book will help reduce the confusion, anxiety and avoidance that many people associate with saving for retirement. Informed by thousands of calls and emails from readers over the years, MarksJarvis understands exactly what people want and need to know about managing their personal finances. Here, she provides guidance and answers common questions in an organized and reader-friendly style. Readers will learn how to calculate what they’ll need for their nest egg, how to open an IRA, make sense of mutual funds and when to consult a financial advisor. Sensible–but not stuffy–this book will convince young people to start saving now, and will help ensure that panicked middle-aged readers will not be spending their golden years in the poor house." --Kirkus Reports

From the Back Cover

Award-winning personal finance columnist read by millions of people each week

 

TheIncredibly Simple, Step-by-Step Guideto 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 ofYour 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 Tribunefinancial 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 therightmutual 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…answersallyour questions…clears awayeveryobstacle 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

 

See all Editorial Reviews

Product Details

  • File Size: 714 KB
  • Print Length: 275 pages
  • Page Numbers Source ISBN: 0132271907
  • Simultaneous Device Usage: Up to 5 simultaneous devices, per publisher limits
  • Publisher: FT Press; 1 edition (February 27, 2007)
  • Language: English
  • ASIN: B000RH0DTO
  • Text-to-Speech: Enabled
  • X-Ray:
  • Word Wise: Not Enabled
  • Lending: Not Enabled
  • Amazon Best Sellers Rank: #537,944 Paid in Kindle Store (See Top 100 Paid in Kindle Store)
  •  Would you like to give feedback on images?


Customer Reviews

Most Helpful Customer Reviews
93 of 100 people found the following review helpful
3.0 out of 5 stars Basic info is good, but assumptions are very outdated October 11, 2011
Format:Kindle Edition|Verified Purchase
It's interesting to read a book that was written prior to the financial collapse. It's almost like a snapshot in time. On the one hand, this book had lots of basic, good advice for people who don't understand how to go about creating savings. For anyone who is already a saver/investor, this book will be too basic for you, but there are large numbers of people out there who do need this sort of advice and I thought the book was very good at explaining things at a level that would be useful for beginners. For that, I would give it 5 stars.

The problem is that the assumptions the author used for her examples of compounding are so outdated that they are almost dangerous. She consistently used an 8 -10% expected return on investment to illustrate how small amounts of money could grow over time. Years ago, that may have been a reasonable rate of return, but not in this decade, and most "experts" think that you will be lucky to earn 5% return on your money in the future, especially if you want to keep your risk at reasonable levels. The problem with using 8-10% is that it gives a completely unrealistic view of how much money you will need to save to reach your goals, and how long it will take you to get there. Given the current state of the economy, if you rely on optimistic projections such as these, you are liable to fall far short of your goals, and by the time you realize that, it will be too late to make it up in your savings. Plus, someone who is unsophisticated enough about money to need this book will also not recognize that these assumptions are outdated. Because of that, I have to mark the book down. Therefore I'm giving it 3 stars.
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26 of 27 people found the following review helpful
5.0 out of 5 stars Simply a must read for financial wisdom April 13, 2007
Format:Paperback
Being in retirement already, I found this book still very enlightening and very easy to read. A chatty, warm style lets the reader feel as if a knowlegeable friend is giving advice without making the reader feel as if he/she missed out and can never catch up. A non daunting approach to investing makes the MarksJarvis book interesting, worthwhile, informative with good links to investment calculations.

Grandparents would serve their grandchildren well to forgo taking the kids on fancy trips and put the money into the kid's IRA account at a young age.

I sent a copy to my daughter because there is something here for every age group.

Marie Taylor
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11 of 11 people found the following review helpful
5.0 out of 5 stars Excellent Book! April 17, 2007
Format:Paperback
I'm sure I can speak for many who have read this book when I say I wish it would have come out ten years ago. Not only is it incredibly educational, its light hearted style doesn't make you feel bad even if you are starting from square one with regards to saving and investing. It's simple and direct when dealing with an intimidating subject and I am certainly going to put into place the advice Gail so clearly lays out for her readers. KUDOS!

I do not come from a family who is good with money. I have already told my parents and siblings to read this book. It is more beneficial to us than you can even imagine. Thanks.

Zach Barber
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10 of 10 people found the following review helpful
Format:Paperback
Every once in awhile a 'self help' book comes out that might actually work. This is one of them. No hype. No secret formulae. No scolding.

Although I haven't finished reading it, Marksjarvis' book hits the mark with its practical examples and straightforward explanations about 'what to do and how to do it'. The book also links the reader to her website, [...] that contains the latest links to excellent online calculators that make it very easy to play out various saving scenarios.

I plan on checking out our savings plan against this book as well as buying a couple copies for our adult children and see that they get them on April 15 -- that one time of year when Uncle Sam requires us to do an accounting of our yearly income.
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13 of 14 people found the following review helpful
5.0 out of 5 stars Excellent plain english guide July 16, 2007
Format:Paperback|Verified Purchase
After purchasing several retirement books, this book stands out for the no nonsense approach to retirement. The books also provides web links with up to date tools and calculators that make it even more practical. One especially great feature of this book is that regardless of your age, income, or current retirement knowledge, it provides a way for all to get in the game and get on track to retire. I highly recommend this book.
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7 of 7 people found the following review helpful
5.0 out of 5 stars GREAT FOR COLLEGE GRADS April 25, 2007
Format:Paperback
No one ever tells college students how important it is to start saving for retirement early. This book stresses that goal and makes it really easy to achieve. It offers up easy ways to begin saving while not affecting your budget. I recommend it highly to anyone of any age, but especially those young professionals who are looking for ideas about how to start putting away a few bucks. A MUST READ!
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14 of 17 people found the following review helpful
Format:Paperback
First, thanks to Gail for writing such a wonderful book. I learned more in one week reading "Saving for Retirement" than I have my entire investing life.

After reading the book I have reworked our 401K accounts and have contacted Gail to get her professional opinion on what I had done:

Currently my spouse and myself have saved $190,000 towards retirement.

I am 38 and my spouse is 36 and we both work for for the same company.

Our total income is $113,000

We had been contributing 6% each pay check and after reading your book I changed to 12%.

Gail emailed back the very next day and is going to look over my changes that I made to my 401K.

This book should be manditory reading for anyone who is enrolled in a 401K or about to start an IRA. I also would love to see it used in schools, if I would have had this information in school I would be in AWESOME shape for retirment. As it is I am in much better shape than I thought and the book helped me to realize a lot of mistakes we were making (fees, loads, etc.).

Do yourself a favor and read this book at least a few times you will thank yourself when you are retired and enjoying life instead of wondering why you have no retirement. IT IS NEVER TO LATE TO FIX YOUR MISTAKES.. Start today...

THANKS GAIL.
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Most Recent Customer Reviews
5.0 out of 5 stars loved it
loved it
Published 2 months ago by Nay
4.0 out of 5 stars Four Stars
makes sense
Published 2 months ago by Sharleen Taira
1.0 out of 5 stars don't waste your time
Not great - she's anti-financial planners and plugs her own companies that she has investments with. Very repetitive and doesn't have good explanations of basic concepts.
Published 3 months ago by Whitney B. Smith
4.0 out of 5 stars Great starter read for anyone wanting to learn about saving for...
This was e-book was one of the first I decided to read on finances. It is easy to follow, gave different ideas on how to invest depending on how much time you wished to spend on... Read more
Published 8 months ago by andrew whitford
5.0 out of 5 stars If you want to be ahead of the rat race, read this.
Easy read. Thorough. Step by step. Plain. I wish I had read this when I was 25. I will make this REQUIRED reading for my kids when they enter the workforce.
Published 9 months ago by Jason Gabriel
3.0 out of 5 stars ebook
This is one of over 100 free ebooks I felt compelled to download the first month I had my Kindle. So many books, this one included, sounded so good. Read more
Published 10 months ago by Beverly
5.0 out of 5 stars Complex information presented in an easy-to-understand way
I downloaded this book for free on my Kindle. What a steal! So much good info here. I especially liked the simple way in which the author breaks down how you should diversify your... Read more
Published 13 months ago by readerinfairfax
5.0 out of 5 stars A+++
We can all be millionaires if we work at it. And it doesnt take rich parents or an awesome job to make it happen! Great book
Published 20 months ago by NA
5.0 out of 5 stars Very informative read
This book was written in 2008 before the crash, but still has all the stuff that got me back into the market.
Published 20 months ago by Michelle Marie Recker
3.0 out of 5 stars Lots of good ideas
A good book for anyone to read. Excellent real life, practical suggestions for many areas of life. Recommended for men and women at all stages leading up to retirement.
Published 20 months ago by Lisa Downey
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