Read what the media has to say about Sylvia and her books...

"For those within spitting distance of retirement - early or otherwise - a good hands-on guide to planning it is Finances After 55 ..."

Jonathan Chevreau, Financial Post Columnist

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Year-end 2012 tax saving tips
Tax savings should be on the top of everyone’s list for the year-end. There’s no better time to start then now, before the holiday season is upon us. A few minutes in planning today may add some tax dollar savings to your coffers for 2012.Want some ideas?

Click here to read: Year-end 2012 tax saving tips.

Personal Budgeting Kit (2nd edition)
ISBN 1-55180-654-1

More about the "Simple Essential Personal Budgeting Kit"


Do you find yourself living from paycheck to paycheck? Do you wonder why you make a good living and yet have no money left at the end of the month? Do you feel helpless when you try to think about planning for your financial future? Most important, do you feel overwhelmed at the idea of coming up with a personal budgeting plan?

If the answer is yes to any or all of these questions, this kit is for you. It’s a step-by-step guide to help you organize your finances and stay on track financially for the rest of your life.

The national best seller, formerly titled Personal Budgeting Kit is now in a convenient 6? x 9? format. All worksheets, forms, and checklists are included on a CD-ROM for use on a Windows-based PC. This allows you to print out as many copies as needed.

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Did you know that according to statistics, the rate of inflation is different for retiree households than it is for all other households? This is because there are different rates of inflation on various consumables. Retirees spending patterns are also different. They are likely to spend proportionately more on travel, reading materials, utilities and cable subscriptions; and less on alcohol, entertainment and clothing as compared to all other households.

Based on recent studies, most retirees need only 60% of their pre-retirement level of income to adequately maintain their existing lifestyle. Exception would be for low income retirees who will need a higher % of their pre-retirement level income to get by. But most retirees can realistically adjust their % based on their individual circumstances.

If your retirement plan includes additional activities that will cost money, like an expensive hobby or travel, make sure you budget for them ahead of time. However, you need to keep in mind that these items are not considered essentials and they can be realistically scaled back or eliminated altogether for a year or two if retirement finances are off.

Lastly, keep yourself up-to-date on changes concerning retirement and investment incomes taxation. Remember the recently adopted income split for seniors and revisions to CPP contributions rules? They may be of benefit to you and knowing the rules will help you save your tax dollars for your future retirement years.

Finances After 55
ISBN 1-55180-582-0

More about thebook "Finances After 55"

Make the Transition from Earning a Living to Retirement Living: "Finances After 55" is a book for people who are already retired or who will be retiring in the next decade.

This is not a 'retire rich, stay rich' book. It's a pre-retirement and in-retirement guide that shows readers how to take what they already have saved and manage their money and assets to live a full and successful retired life.

Finances After 55 provides you with all the help, advice, and information you will need to plan for a successful retirement."

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