{"product_id":"the-new-savage-number-isbn-9780470538760","title":"The New Savage Number","description":"\u003cp\u003eNationally known personal finance expert Terry Savage helps you answer the most important retirement questions\u003c\/p\u003e \u003cp\u003eDuring a time when looking to the future is more important than ever, author Terry Savage offers street smart advice for the many soon-to-be retirees wondering how much longer they will have to work to make up for the losses in their retirement accounts. \u003ci\u003eThe New Savage Number\u003c\/i\u003e provides the strategic guidance and hands-on techniques necessary to plan a successful, satisfying retirement.\u003c\/p\u003e \u003cp\u003eThroughout the book, Savage helps you figure out how much money you need to retire-your savage number-and how to invest to reach that goal. Then, as retirement looms, she guides you through the process of planning withdrawals so the money lasts your entire lifetime. In between, Savage offers practical advice on everything from getting personal finances organized to insuring retirement plans against the disastrous need for long-term care. An informative, engaging book that future retirees of every age can utilize, \u003ci\u003eThe New Savage Number\u003c\/i\u003e\u003cbr\u003e \u003c\/p\u003e \u003cul\u003e \u003cli\u003eContains updated chapters reflect the current economy including changes to the mortgage market and stock market performance\u003c\/li\u003e \u003cli\u003eTakes issues such as social security, long term insurance, and new investment risks into consideration\u003c\/li\u003e \u003cli\u003eOffers guidance on continuing to earn income in retirement\u003c\/li\u003e \u003c\/ul\u003e \u003cp\u003eWritten with every retirement bound individual in mind, \u003ci\u003eThe New Savage Number, Second Edition\u003c\/i\u003e provides you with the tools needed to rescue your retirement.\u003c\/p\u003e Preface to New Edition.  \u003cp\u003e\u003c\/p\u003e Introduction: Can You Retire?  \u003cp\u003e\u003c\/p\u003e \u003cb\u003ePart 1 Retro-Retirement.\u003c\/b\u003e  \u003cp\u003e\u003c\/p\u003e \u003cb\u003e1 The Savage Number.\u003c\/b\u003e  \u003cp\u003e\u003c\/p\u003e Shaping Retirement Reality.  \u003cp\u003e\u003c\/p\u003e Avoiding Generation Warfare.  \u003cp\u003e\u003c\/p\u003e Hoping for a Miracle?  \u003cp\u003e\u003c\/p\u003e You're Not Alone.  \u003cp\u003e\u003c\/p\u003e The Likely Solution: Retro-Retirement.  \u003cp\u003e\u003c\/p\u003e The Starting Point.  \u003cp\u003e\u003c\/p\u003e \u003cb\u003e2 Time Is Money.\u003c\/b\u003e  \u003cp\u003e\u003c\/p\u003e Consuming Time and Money.  \u003cp\u003e\u003c\/p\u003e Running Out of Time.  \u003cp\u003e\u003c\/p\u003e What's Your Time Worth?  \u003cp\u003e\u003c\/p\u003e The Time Value of Money.  \u003cp\u003e\u003c\/p\u003e How to Avoid Wasting Time (and Money).  \u003cp\u003e\u003c\/p\u003e \u003cb\u003e3 The 10 Key Questions.\u003c\/b\u003e  \u003cp\u003e\u003c\/p\u003e How Long Will I Live?  \u003cp\u003e\u003c\/p\u003e What Will Inflation Do to the Value of My Savings?  \u003cp\u003e\u003c\/p\u003e How Can I Save Enough?  \u003cp\u003e\u003c\/p\u003e How Should I Invest the Money I've Saved for Retirement?  \u003cp\u003e\u003c\/p\u003e How Much Will I Spend to Live in Retirement?  \u003cp\u003e\u003c\/p\u003e How Much Can I Withdraw Each Month without Running Out of Money?  \u003cp\u003e\u003c\/p\u003e What's the Biggest Danger to My Retirement Plans?  \u003cp\u003e\u003c\/p\u003e How Can I Earn Money during Retirement?  \u003cp\u003e\u003c\/p\u003e How Can I Retain Control of My Financial Life?  \u003cp\u003e\u003c\/p\u003e What If I Have Money Left Over When I Die?  \u003cp\u003e\u003c\/p\u003e Getting the Answers.  \u003cp\u003e\u003c\/p\u003e Getting Your “Ballpark Estimate”.  \u003cp\u003e\u003c\/p\u003e \u003cb\u003ePart 2 Monte Carlo Your Money.\u003c\/b\u003e  \u003cp\u003e\u003c\/p\u003e \u003cb\u003e4 The Savage Answer: \u003cst1:place w:st=\"on\"\u003eMonte Carlo\u003c\/st1:place\u003e Modeling.\u003c\/b\u003e  \u003cp\u003e\u003c\/p\u003e Monte Carlo Modeling—How It Works.  \u003cp\u003e\u003c\/p\u003e Beware of Averages.  \u003cp\u003e\u003c\/p\u003e Monte Carlo Modeling and Retirement Planning.  \u003cp\u003e\u003c\/p\u003e Monte Carlo and You .  \u003cp\u003e\u003c\/p\u003e Do-it-Yourself Monte Carlo.  \u003cp\u003e\u003c\/p\u003e \u003cb\u003e5 Saving Up, Drawing Down.\u003c\/b\u003e  \u003cp\u003e\u003c\/p\u003e Accumulation Phase.  \u003cp\u003e\u003c\/p\u003e Withdrawal Phase.  \u003cp\u003e\u003c\/p\u003e The Right Balance.  \u003cp\u003e\u003c\/p\u003e Seven Best Ways to Save for Retirement.  \u003cp\u003e\u003c\/p\u003e \u003cb\u003e6 Getting It All Together.\u003c\/b\u003e  \u003cp\u003e\u003c\/p\u003e Online, On Paper, On Your Computer.  \u003cp\u003e\u003c\/p\u003e Free Online Money Management.  \u003cp\u003e\u003c\/p\u003e The Basics: Paying Bills Online.  \u003cp\u003e\u003c\/p\u003e Organizing Your Online Financial Life.  \u003cp\u003e\u003c\/p\u003e A Credit Check-up.  \u003cp\u003e\u003c\/p\u003e Portfolio Tracking.  \u003cp\u003e\u003c\/p\u003e Moving beyond Tracking—To Advice.  \u003cp\u003e\u003c\/p\u003e Resources for Getting It Together.  \u003cp\u003e\u003c\/p\u003e \u003cb\u003e7 A Road Map to Monte Carlo.\u003c\/b\u003e  \u003cp\u003e\u003c\/p\u003e The Best Routes.  \u003cp\u003e\u003c\/p\u003e Arriving in Monte Carlo.  \u003cp\u003e\u003c\/p\u003e Choosing a Financial Adviser.  \u003cp\u003e\u003c\/p\u003e \u003cb\u003ePart 3 Investing for Retirement.\u003c\/b\u003e  \u003cp\u003e\u003c\/p\u003e \u003cb\u003e8 Stocks, Bonds, and Chicken Money.\u003c\/b\u003e  \u003cp\u003e\u003c\/p\u003e Realistic Stock Market Expectations.  \u003cp\u003e\u003c\/p\u003e Understanding Bonds.  \u003cp\u003e\u003c\/p\u003e Keep Your Nest Eggs Safe with Chicken Money.  \u003cp\u003e\u003c\/p\u003e A Minute on Mutual Funds.  \u003cp\u003e\u003c\/p\u003e Resources for Stocks, Bonds, and Chicken Money.  \u003cp\u003e\u003c\/p\u003e \u003cb\u003e9 Beyond the Basics.\u003c\/b\u003e  \u003cp\u003e\u003c\/p\u003e Exchange-Traded Funds.  \u003cp\u003e\u003c\/p\u003e Real Estate Investment Trusts.  \u003cp\u003e\u003c\/p\u003e Gold and Natural Resources.  \u003cp\u003e\u003c\/p\u003e Options.  \u003cp\u003e\u003c\/p\u003e Futures.  \u003cp\u003e\u003c\/p\u003e The U.S. Dollar.  \u003cp\u003e\u003c\/p\u003e Hedge Funds.  \u003cp\u003e\u003c\/p\u003e Resources for Investing.  \u003cp\u003e\u003c\/p\u003e \u003cb\u003e10 One-Step Retirement Investing.\u003c\/b\u003e  \u003cp\u003e\u003c\/p\u003e Buying the “Whole” Market.  \u003cp\u003e\u003c\/p\u003e Retirement Investing Made Easy: Targeted Retirement Funds.  \u003cp\u003e\u003c\/p\u003e Starting Small—No Excuses!  \u003cp\u003e\u003c\/p\u003e Make the Call.  \u003cp\u003e\u003c\/p\u003e \u003cb\u003ePart 4 Streams of Retirement Income.\u003c\/b\u003e  \u003cp\u003e\u003c\/p\u003e \u003cb\u003e11 Where Will the Money Come From?\u003c\/b\u003e  \u003cp\u003e\u003c\/p\u003e The Balancing Act: Income versus Principal.  \u003cp\u003e\u003c\/p\u003e Gainful Employment in Retirement.  \u003cp\u003e\u003c\/p\u003e Withdrawals from Retirement Accounts.  \u003cp\u003e\u003c\/p\u003e Generating Income from Your Portfolio.  \u003cp\u003e\u003c\/p\u003e Income Resources.  \u003cp\u003e\u003c\/p\u003e 12 \u003cb\u003eAnnuities for Income and Tax-Deferred Growth.\u003c\/b\u003e  \u003cp\u003e\u003c\/p\u003e Immediate Annuities.  \u003cp\u003e\u003c\/p\u003e Tax-Deferred Annuities.  \u003cp\u003e\u003c\/p\u003e The Latest Annuity Products.  \u003cp\u003e\u003c\/p\u003e Tax-Deferred Annuity Withdrawals.  \u003cp\u003e\u003c\/p\u003e Tax-Deferred Annuity Exchanges  \u003cp\u003e\u003c\/p\u003e Your IRA Inside an Annuity?  \u003cp\u003e\u003c\/p\u003e Annuities: The Real Risk Factor.  \u003cp\u003e\u003c\/p\u003e Annuity Information and Pricing\/Insurance Company Safety Ratings.  \u003cp\u003e\u003c\/p\u003e \u003cb\u003e13 Social Security and Medicare.\u003c\/b\u003e  \u003cp\u003e\u003c\/p\u003e Social In-Security.  \u003cp\u003e\u003c\/p\u003e Medicare.  \u003cp\u003e\u003c\/p\u003e A Final Thought about Social Security and Medicare.  \u003cp\u003e\u003c\/p\u003e Government Benefit Resources.  \u003cp\u003e\u003c\/p\u003e \u003cb\u003e14 How to Turn Your Home into Your Pension.\u003c\/b\u003e  \u003cp\u003e\u003c\/p\u003e Reverse Mortgages.  \u003cp\u003e\u003c\/p\u003e More Income from Your House Using Trusts.  \u003cp\u003e\u003c\/p\u003e Reverse Mortgage Resources.  \u003cp\u003e\u003c\/p\u003e \u003cb\u003ePart 5 Long-Term Care: The Greatest Risk of All.\u003c\/b\u003e  \u003cp\u003e\u003c\/p\u003e \u003cb\u003e15 Long-Term Care Insurance: Who Needs It\u003c\/b\u003e?  \u003cp\u003e\u003c\/p\u003e The Government’s Role in Long-Term Care.  \u003cp\u003e\u003c\/p\u003e Insurance for Your Retirement.  \u003cp\u003e\u003c\/p\u003e Our Parents, Ourselves.  \u003cp\u003e\u003c\/p\u003e Long-Term Care Insurance: A Woman’s Issue.  \u003cp\u003e\u003c\/p\u003e What If You Don’t Use It?  \u003cp\u003e\u003c\/p\u003e Long-Term Care—The Facts.  \u003cp\u003e\u003c\/p\u003e \u003cb\u003e16 How to Understand Long-Term Care Coverage.\u003c\/b\u003e  \u003cp\u003e\u003c\/p\u003e Rising Demand, Soaring Costs.  \u003cp\u003e\u003c\/p\u003e When to Buy? While You Can!  \u003cp\u003e\u003c\/p\u003e How Do I Use My Policy?  \u003cp\u003e\u003c\/p\u003e What Should My Long-Term Care Policy Cover?  \u003cp\u003e\u003c\/p\u003e Key Elements of a Long-Term Care Insurance Policy.  \u003cp\u003e\u003c\/p\u003e \u003cb\u003e17 Buying Your Long-Term Care Policy.\u003c\/b\u003e  \u003cp\u003e\u003c\/p\u003e Which Insurance Company Should You Choose?  \u003cp\u003e\u003c\/p\u003e What Should It Cost?  \u003cp\u003e\u003c\/p\u003e 10-Pay: Controlling Price Risk.  \u003cp\u003e\u003c\/p\u003e Long-Term Care Policies and Income Taxes.  \u003cp\u003e\u003c\/p\u003e Paying for Long-Term Care with Life Insurance and Annuities.  \u003cp\u003e\u003c\/p\u003e Employee Group Long-Term Care Policies.  \u003cp\u003e\u003c\/p\u003e The Federal Long-Term Care Insurance Program.  \u003cp\u003e\u003c\/p\u003e Long-Term Care Insurance from Affinity Programs.  \u003cp\u003e\u003c\/p\u003e A Final Argument: The Cost of Not Having.  \u003cp\u003e\u003c\/p\u003e Long-Term Care Insurance.  \u003cp\u003e\u003c\/p\u003e Resources for Purchasing Long-Term Care Insurance.  \u003cp\u003e\u003c\/p\u003e \u003cb\u003ePart 6 Estate Planning: The Price of Success\u003c\/b\u003e  \u003cp\u003e\u003c\/p\u003e \u003cb\u003e18 What’s Left?\u003c\/b\u003e  \u003cp\u003e\u003c\/p\u003e What Could Happen?  \u003cp\u003e\u003c\/p\u003e What Is Your Estate?  \u003cp\u003e\u003c\/p\u003e What Are Estate Taxes?  \u003cp\u003e\u003c\/p\u003e What Is Probate?  \u003cp\u003e\u003c\/p\u003e What Is a Revocable Living Trust?  \u003cp\u003e\u003c\/p\u003e Health-Care Power of Attorney.  \u003cp\u003e\u003c\/p\u003e Durable Power of Attorney.  \u003cp\u003e\u003c\/p\u003e Living Will.  \u003cp\u003e\u003c\/p\u003e Naming Retirement Plan Beneficiaries.  \u003cp\u003e\u003c\/p\u003e What Else Should You Consider?  \u003cp\u003e\u003c\/p\u003e Moving Assets Out of Your Estate.  \u003cp\u003e\u003c\/p\u003e Life Insurance and Your Estate.  \u003cp\u003e\u003c\/p\u003e Spouses and Estate Planning.  \u003cp\u003e\u003c\/p\u003e Choosing an Estate Planner.  \u003cp\u003e\u003c\/p\u003e Estate Planning Checklist.  \u003cp\u003e\u003c\/p\u003e Conclusion.  \u003cp\u003e\u003c\/p\u003e Acknowledgments.  \u003cp\u003e\u003c\/p\u003e Index.  \u003cp\u003eTerry Savage has financial expertise that comes from experience. She started her career as a stockbroker and became a founding member of—and the first woman trader on—the Chicago Board Options Exchange. Terry is a nationally known expert on personal finance and is a regular TV investment and financial markets commentator. She is the nationally syndicated Chicago Sun-Times personal finance columnist and author of three bestselling books. Terry has won numerous awards, including the National Press Club Award, and received two Emmys for her television work.\u003c\/p\u003e   \u003cp\u003eThe New Savage Number\u003c\/p\u003e \u003cp\u003eHow Much Money Do You really Need to Retire?\u003c\/p\u003e \u003cp\u003eSecond Edition\u003c\/p\u003e \u003cp\u003eTerry Savage\u003c\/p\u003e \u003cp\u003eBestselling Author Of The Savage Truth On Money\u003c\/p\u003e \u003cp\u003ePersonal Finance\u003c\/p\u003e \u003cp\u003ePraise for the Previous Edition\u003c\/p\u003e \u003cp\u003e\"At last, there is one source for retirement savings and all of its implications. Terry Savage has done it again: put it in plain English for the millions of people who need to know what awaits them financially in their golden years. I get thousands of questions each week about this topic. Now I have the answers, from someone I would trust with my financial life. Great job, Terry!\"\u003cbr\u003e —James J. Cramer, markets commentator, TheStreet.com, and CNBC author of Jim Cramer's Real Money: Sane Investing in an Insane World\u003c\/p\u003e \u003cp\u003e\"It is astonishing how little most of us plan ahead for retirement. Terry has done it all for us in this book.\"\u003cbr\u003e —Jim Rogers, author of Adventure Capitalist and Hot Commodities\u003c\/p\u003e \u003cp\u003e\"The Savage Number greets you with cold realities and then shows you the path down the yellow brick road. It is a comprehensive and compelling guide to taking control of your financial future. The bottom line: you can plan and choose to save, or you can work forever.\"\u003cbr\u003e —Dallas L. Salisbury, President and CEO, Employee Benefit Research Institute\u003c\/p\u003e \u003cp\u003eNationally known personal finance expert Terry Savage\u003c\/p\u003e \u003cp\u003ehelps you answer the most important retirement questions\u003c\/p\u003e \u003cp\u003eWill you ever be able to retire? How much money will you need? And how will you be able to reach your Savage Number? Financial expert and author Terry Savage offers street-smart advice for those hoping to retire. Whether you're approaching retirement age, just starting out, or in the middle of your career, Savage helps you create a long-term plan for financial security.\u003c\/p\u003e \u003cp\u003eThe New Savage Number provides the strategic guidance and hands-on techniques necessary to plan a successful retirement. Savage helps you figure out how much money you need to retire—your Savage Number—and how to invest to reach that goal. Then, as retirement looms, she guides you through the process of planning withdrawals. Savage offers advice on everything from getting personal finances organized to hedging against inflation to protecting against the devastating costs of long-term care.\u003c\/p\u003e","brand":"Wiley","offers":[{"title":"Default Title","offer_id":47990299328741,"sku":"NP9780470538760","price":16.95,"currency_code":"USD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1842\/7735\/files\/9780470538760.jpg?v=1761787257","url":"https:\/\/k12savings.com\/es\/products\/the-new-savage-number-isbn-9780470538760","provider":"K12savings","version":"1.0","type":"link"}