Your Guide to Finding a New Home After 50

Your Guide to Finding a New Home After 50
Author: Peter Keers
Publisher: Cantissimo Senior Living
Total Pages: 42
Release:
Genre: Self-Help
ISBN:

As we age, it seems a “sense of place” takes on greater significance. In our younger years, we may have moved around after leaving the family home. That nomadic pattern, perhaps, was symbolic of our search for a path in life. Once settling into a consistent lifestyle, we found ourselves living for longer stretches of time in one location or another. Then comes the time in later life when for various reasons, we consider (or are forced to consider) yet another relocation. This Cantissimo Senior Living eBook looks from various angles at moving after age 50. Whether you want to “age in place” in your current residence, desire a new home, or are compelled by circumstances to move, this eBook will help as you ponder the pros and cons in the decision-making process.

Divorce After 50

Divorce After 50
Author: Janice Green
Publisher: Nolo
Total Pages: 393
Release: 2016-02-04
Genre: Law
ISBN: 141332228X

A road map for late-life divorce Divorce can be emotionally devastating at any time, but the emotional and financial challenges are even greater for people who divorce later in life and can face complicated issues of blended families, health care concerns, and retirement planning. Attorney Janice Green brings 30-plus years of experience as a divorce lawyer, and in particular her experience counseling clients over 50, to Divorce After 50. She addresses: • Divorce options (including mediation and collaborative divorce) • How to receive the best guidance from lawyers and professional advisers • Dividing marital property fairly • Retirement plan rules • Spousal support (alimony) • How divorce affects estate planning • Keeping good health care (updated to include new rules under the Affordable Care Act) The book also includes divorce survival stories that illustrate your options and provide encouragement. They got through it, and with the help of Divorce After 50, you can, too.

The Charles Schwab Guide to Finances After Fifty

The Charles Schwab Guide to Finances After Fifty
Author: Carrie Schwab-Pomerantz
Publisher: Crown Currency
Total Pages: 434
Release: 2014-04-01
Genre: Business & Economics
ISBN: 0804137374

Here at last are the hard-to-find answers to the dizzying array of financial questions plaguing those who are age fifty and older. The financial world is more complex than ever, and people are struggling to make sense of it all. If you’re like most people moving into the phase of life where protecting—as well as growing-- assets is paramount, you’re faced with a number of financial puzzles. Maybe you’re struggling to get your kids through college without drawing down your life’s savings. Perhaps you sense your nest egg is at risk and want to move into safer investments. Maybe you’re contemplating downsizing to a smaller home, but aren’t sure of the financial implications. Possibly, medical expenses have become a bigger drain than you expected and you need help assessing options. Perhaps you’ll shortly be eligible for social security but want to optimize when and how to take it. Whatever your specific financial issue, one thing is certain—your range of choices is vast. As the financial world becomes increasingly complex, what you need is deeply researched advice from professionals whose credentials are impeccable and who prize clarity and straightforwardness over financial mumbo-jumbo. Carrie Schwab-Pomerantz and the Schwab team have been helping clients tackle their toughest money issues for decades. Through Carrie’s popular “Ask Carrie” columns, her leadership of the Charles Schwab Foundation, and her work across party lines through two White House administrations and with the President’s Advisory Council on Financial Capability, she has become one of America’s most trusted sources for financial advice. Here, Carrie will not only answer all the questions that keep you up at night, she’ll provide answers to many questions you haven’t considered but should.

Making the Most of Your Money Now

Making the Most of Your Money Now
Author: Jane Bryant Quinn
Publisher: Simon and Schuster
Total Pages: 1266
Release: 2009-12-29
Genre: Business & Economics
ISBN: 1416553525

Named the best personal finance book on the market by Consumers Union, Jane Bryant Quinn's bestseller Making the Most of Your Money has been completely revised and updated to provide a guide to financial recovery, independence, and success in the new economy. Getting your financial life on track and keeping it there -- nothing is more important to your family and you. This proven, comprehensive guidebook steers you around the risks and helps you make smart and profitable decisions at every stage of your life. Are you single, married, or divorced? A parent with a paycheck or a parent at home? Getting your first job or well along in your career? Helping your kids in college or your parents in their older age? Planning for retirement? Already retired and worried about how to make your money last? You'll find ideas to help you build your financial security here. Jane Bryant Quinn answers more questions more completely than any other personal-finance author on the market today. You'll reach for this book again and again as your life changes and new financial decisions arise. Here are just a few of the important subjects she examines: • Setting priorities during and after a financial setback, and bouncing back • Getting the most out of a bank while avoiding fees • Credit card and debit card secrets that will save you money • Family matters -- talking money before marriage and mediating claims during divorce • Cutting the cost of student debt, and finding schools that will offer big "merit" scholarships to your child • The simplest ways of pulling yourself out of debt • Why it's so important to jump on the automatic-savings bandwagon • Buying a house, selling one, or trying to rent your home when buyers aren't around • Why credit scores are more important than ever, plus tips on keeping yours in the range most attractive to lenders • Investing made easy -- mutual funds that are tailor-made for your future retirement • What every investor needs to know about building wealth • How an "investment policy" helps you make wise decisions in any market • The essential tax-deferred retirement plans, from 401(k)s to Individual Retirement Accounts -- and how to manage them • How to invest in real estate at a bargain price (and how to spot something that looks like a bargain but isn't) • Eleven ways of keeping a steady income while you're retired, even after a stock market crash • Financial planning -- what it means, how you do it, and where to find good planners Page by page, Quinn leads you through the pros and cons of every decision, to help you make the choice that will suit you best. This is the single personal-finance book that no family should be without.

Your New House

Your New House
Author: Alan Fields
Publisher:
Total Pages: 360
Release: 1999
Genre: Business & Economics
ISBN: 9781889392059

Offers advice on selecting contractors and home builders, as well as discussing mortgages, site selection, environmental concerns, consumer rights, and contracts, and identifies unethical practices.

How to Get Approved for the Best Mortgage Without Sticking a Fork in Your Eye

How to Get Approved for the Best Mortgage Without Sticking a Fork in Your Eye
Author: M. S. Elysia Stobbe
Publisher:
Total Pages: 226
Release: 2015-06-25
Genre:
ISBN: 9780986162008

Did you know that over 50% of mortgages don't close? Do you know how much home you can buy? Do you know how much paperwork in involved? Most people don't know how much home purchasing power they have, how much to expect for closing costs (varies by state), or how much paperwork is involved when applying for a home loan. Most people have no idea the difference between loan programs from bank to bank, lender to lender, or broker to broker- or what the differences are between the main types of residential mortgage providers. Most people have no criteria for choosing a lender, the type of loan to seek, or how much down payment is best for them. For example, are there differences between the types of property that may affect down payment? The mortgage industry is packed with nuance, which can lead to confusion for the consumer. While trying to buy a home, you may have people from many different professions telling you what you should do and how to make decisions-who should you listen to in which situations? Your most personal financial information is critical to the mortgage process and yet do you know who you are sending it to? What about mortgage insurance? Why is it required and when? The two questions I most often hear are: "What's the payment?" and, "What's the interest rate?" While these questions are important, there are several other questions that are just as critical: what is the right loan type for me; is there an up-front funding fee for this loan; what are the differences in available mortgage insurance; how will property type restrictions affect my loan; what are the pros and cons of this loan; what is the down payment requirement with this loan choice over another; what are the closing costs associated with each loan type; and, who is allowed to pay the closing costs? Successfully navigating the maze of questions, regulations, and requirements ultimately leads to a mortgage closing. Through over ten years of experience, thousands of clients, hundreds of Realtor and builder transactions (time line constraint purchases), and, as a licensed loan originator in 9 states and the District of Columbia, I have developed a wealth of knowledge about regulations and requirements. My commitment to client service and caring about their home buying experience has driven my passion for the individual personal experience in the mortgage industry and how the regulations and requirements affect real people in real time. With this book I'm privileged and excited to share my knowledge and experience with you. After reading this book, you will have an understanding of the big corporations that loan money to homebuyers, what other options you have and how to navigate government regulations and requirements to your advantage. I feel that an educated consumer is my best customer and I am happy to share these mortgage tools and tips with you in the hopes that you educate yourself and find the best mortgage and the mortgage professional that is right for you. In addition, I want you to know what to expect, what to ask, and, who to ask to get the answers you want and to understand what those answers really mean. With each chapter I will guide you through the mortgage process, from choosing between different loan types, to understanding the difference between a Good Faith Estimate and an Itemized Fee Worksheet, to the necessity of submitting certain documents in a particular method, and finally how to enter Closing Day stress-free and knowing that you have gotten the mortgage that makes the most financial sense for your future. The goal is to help you get the best mortgage possible for your individual needs and get to closing on time, stress free!

Suddenly Single After 50

Suddenly Single After 50
Author: Barbara Ballinger
Publisher: Rowman & Littlefield
Total Pages: 215
Release: 2016-07-08
Genre: Self-Help
ISBN: 1442256532

A stressful, protracted divorce. A difficult, painful death of a beloved husband. And suddenly, after age 50, you’re on your own again. Your children have moved out, your parents are aging fast or deceased, your friends’ lives continue onward, seemingly unchanged. Being suddenly single after age 50 can be terrifying, but eventually it can also be liberating. It can be fraught with worry and decisions you’re unprepared initially to make, but it can also be a time to reevaluate, reestablish, and reinvent. It can be financially and emotionally unstable at times, but it can be the start of a new chapter, or the discovery of someone you didn’t know you were, or could become, after the grief of a loss so difficult. Long-time friends and authors Barbara Ballinger and Margaret Crane have a lot in common. Both lived in the same city for years. Both are writers. Both married their husbands right out of college. Both are mothers of grown children who have left home. And both had aging parents when these difficult journeys began. Both found themselves alone, husbands lost to divorce and death, two separate situations that were equally traumatic— for Barbara, a divorce that took four years to end, and for Margaret, a five-year, gut-wrenching siege of myriad cancers that ended in death. Barbara and Margaret struggled but discovered not only that their new lives were, indeed, worth living, but that the insight gleaned from their experiences could help other people in similar straits. The result is Suddenly Single After 50, an honest and riveting, yet funny and poignant guide that provides advice for those who find themselves divorced, widowed, or otherwise suddenly single just about the time they start getting those AARP cards in the mail and while many of their friends are gleefully discussing retirement plans and toasting milestone wedding anniversaries. Suddenly Single After 50 is told with authenticity, wit, and compassion. They discuss living alone, attending social events alone, eating by themselves, sleeping alone, walking and traveling alone, then how they also came to feel they were not alone, not really, with loyal friends and family. They share how their once right-sized houses suddenly felt empty, too big, and too full of stuff that no longer made sense. They write about all the legal and accounting woes that befell them. And they tell readers what it’s like to be over 50 and dating again—after decades out of that scene, which had changed in unfathomable yet often hilarious ways. Suddenly Single After 50 addresses what life is really like when it’s suddenly shaped as single. It helps readers understand the grief, frustration, and sadness alongside reawakening into the world. Anyone who finds themselves suddenly single in middle age and beyond--or knows someone who is--will find in these pages both advice and reflection, support, and a way forward.

Your Guide to Passing the AMP Real Estate Exam

Your Guide to Passing the AMP Real Estate Exam
Author: Joyce Bea Sterling
Publisher: Dearborn Real Estate
Total Pages: 270
Release: 2001
Genre: Business & Economics
ISBN: 9780793145133

A complete preparation guide for the "AMP Real Estate Exam," the book and enclosed CD-ROM contain over 700 practice questions, with rationales included for every question. Content throughout the book is aligned with the new AMP content outline. Thirty new broker practice questions have been added to the book. This is the LATEST and most COMPREHENSIVE tool available to help students prepare for the "AMP Real Estate Exam." Features topics related to, and in the order of, the latest "AMP Examination Content Outline." With more questions and answers than any other AMP guide on the market, it features over 700 AMP-style questions, with rationales to help schools and students improve pass rates. A new CD-ROM has been packaged with this edition, containing 50 new salesperson and 50 new broker practice questions.

Home Buying 101

Home Buying 101
Author: Jon Gorey
Publisher: Simon and Schuster
Total Pages: 256
Release: 2022-02-15
Genre: Business & Economics
ISBN: 1507217404

"Buying a first home can be both exciting and nerve-wracking. Will you qualify for a mortgage? Is your dream home achievable? How do you make sure your offer will beat others? Don't worry-now you can arm yourself with the information you need to know before you begin the hunt! In Home Buying 101, you will learn all the skills you need to find the right house at the right price, with financing that fits your budget. Full of nuts-and-bolts advice and organized in an easy-to-read format, this book will teach you all the basics of: deciding the right time to buy; getting your finances in order; deciphering the MLS/reading the listings for clues; types of mortgage loans; and much more! With the help of this guide, you'll learn how to find the house of your dreams at a price you can afford!"--