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Go Roth! Your Guide to the Roth IRA, Roth 401k and Roth 403b | 
 enlarge | Author: Kaye A. Thomas
Publisher: Fairmark Press Inc.
Category: Book
List Price: $19.95
Buy New: $12.68
You Save: $7.27 (36%)
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Rating:  4 reviews
Sales Rank: 201111
Media: Paperback
Edition: 2008
Pages: 276
Number Of Items: 1
Shipping Weight (lbs): 0.7
Dimensions (in): 8.3 x 5.5 x 0.7
ISBN: 0979224810
Dewey Decimal Number: 332
EAN: 9780979224812
ASIN: 0979224810
Publication Date: November 12, 2007
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Product Description
This book makes it easy to learn how you can get the most from Roth accounts, including Roth IRAs and Roth accounts in 401k and 403b plans. In plain language it covers: Choices. Deciding whether a Roth account is best for you. Building wealth. Using contributions and conversions to build your account. Managing the account. A sound investment approach for long-term growth without excessive risk. Distributions. How to withdraw money from your Roth account without paying tax or penalties. Go Roth! is a complete, authoritative guide to Roth accounts, covering all the rules and explaining strategies that will help you build and preserved retirement wealth.
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| Customer Reviews:
 Go Roth! October 18, 2008
M. Jovanovic (Bay Area, USA)
3 out of 3 found this review helpful
All you ever need and want to know about Roth IRA. Lots of examples. However, since rules change almost every year, it may be a bit overwhelming for anyone who is not a tax professional. Also, it's not as entertaining as Ed Slott's books!
There is always more to learn... March 19, 2008
Tracy Foote (New York City)
7 out of 7 found this review helpful
I knew I would enjoy this book as I am a big fan of the Roth IRA, especially encouraging kid's to begin their own. It's not just the tax-free wealth the Roth provides, but also the flexibility of withdrawing contributions in a true emergency, plus the treasure you can pass on to your heirs that make the Roth very exciting!
This book is a winner! It definitely has some technical sections but they are certainly easier to read than the IRS publication. (There are also mathematical sections to demonstrate and back up statements -- for those of you might have a "show me the numbers" attitude.)
Perhaps you have already started your Roth because you believe in a tax-free investment. Will this book teach you something new? It seems there is always more to learn when it comes to the Roth IRA. For example: this was the first book I've read that has a section devoted to Social Security benefits. Depending on your income, the taxable amount of Social Security benefits can be impacted by your choice of a Traditional or a Roth IRA. There is a lot of discussion on conversions as well, which will help maximize your Roth balance. I honestly can't imagine anyone reading this book and claiming they learned nothing new.
Go Roth is a book to own, a book to highlight. You cannot just borrow it from the library because you will be using it again and again as your Roth IRA passes through the different possible phases (contributions, conversions, early withdrawals, distributions, or inheritance).
My assumption is that we are all smart enough to start a Roth (once we know what one is), but we still need to be educated on how to handle it, how to maximize it, and how to pass on what we don't use to our heirs. In addition to the IRS publications, this book will be our little reference guide.
Everything you need to know about the Roth IRA November 26, 2007
Frisky (OC, CA)
5 out of 5 found this review helpful
I have read both this latest revision as well as the 2004 edition of this book and both times have found it to be an easy to read and understand explanation of the ins-and-outs of the Roth IRA. The latest edition is updated with all of the latest changes to the Roth. Being a financial layman and not very financially savvy even in comparison with my peers, I found this books layout to be well-organized and presented in a manner that one with the least knowledge of finances can understand. It covers the basics of the Roth as well as many details all in one convenient location compared to most of the information that can be found in bits and pieces here and there. I would definitely recommend this book to anyone and has convinced me to start a Roth account ASAP.
Excellent! November 24, 2007
K. Kenney (in Colorado)
5 out of 5 found this review helpful
Before I read GO ROTH!, I was tired of finding a single paragraph on the Roth IRA in other wealth-building books. In GO ROTH! I found all the many reasons why a Roth is a superior IRA for me and would be superior for many investors. I learned why I might wish to convert and how to do it. Equally important to me, I believe the information is reliable, coming from a tax expert. My investment advisers were unable to answer my questions on the Roth IRA, but this book answered them all.
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| Worthwhile Reading | Three Tips to Help Planning Retirement
By Brenda Cyr
Thinking about retirement is not usually on the top of our list of things to do. Then suddenly we reach the point in out life when retirement is close to becoming a reality. At that point, you really need help in planning your retirement. Sure, we think about it from time to time, but never take any action on our thoughts. Don't let lack of action destroy your retirement, and leave you working well into your seventies. Use these three tips to help plan your retirement and to get started today.
1. Be Realistic about Retirement. Most people don't take the time to sit down and figure out how much money they will need for their retirement. Here is an easy way to plan what you'll need for retirement. Take the amount of money you are now living on per year, and subtract the amount of money you can save once the kids move out, and you downsize to a smaller home and car. Take that amount and multiply it by how many years you think you will need to live on your savings. The average life expectancy is 80 years.
2. Make a Budget. This will be one of the biggest helpers for planning retirement finances. Take out a sheet of paper and write down all your monthly expenses. Include your utilities, credit cards, groceries, and everything that you spend money on through the month. Make sure that you add a set amount for retirement savings. The next step is to subtract this amount from your take home income. Do you have anything left over? If you do, that is excellent. You can use these savings for a rainy day account.
3. Cut Back on Expenses. You already knew this was coming. You have a budget, and know what you are spending; now it's time to see where you can cut back so you can put more money into your retirement account. You don't have to cut out all the luxuries in your life, but you might find that by renting movies more often, rather than taking the family to the theater will let you enjoy more luxuries when you retire.
These three tips will help you get started saving for your retirement. Of course, there are many resources available to help planning for retirement. There are many aspects of retirement to consider as well- your health, your social life, your leisure activities and hobbies. By following these three tips, you will be taking action to help you plan for the best retirement possible.
Are you really ready to retire? Get our free report- How to Supercharge Your Retirement, and make sure you can enjoy the retirement you deserve. Visit http://www.RetirementPlanningHandbook.com today.
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| | Retirement Facts | | Whether a worker is offered and participates in a retirement plan at work depends greatly on what type of worker the person is:
• Public-sector workers have the highest level of participation in a retirement plan (75.8% in 2004), while parttime workers typically are not offered a retirement plan or rarely participate when they are.
• Among all workers, less than half (41.9% in 2004) participate in a retirement plan.
• Among full-time, full-year wage and salary workers, more than half (56.6% in 2004) participate in a retirement plan.
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