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Richard Andrews Dont Buy Your Retirement Home Without Me!. Avoid the Traps and Get Best Deal When Buying a in Community


Invaluable advice for making a sensible purchase on a retirement home Like most retirees, youve worked hard your whole life and now youre looking forward to starting a new chapter of your life in a retirement home community. However, purchasing a retirement home can be a daunting experience and the cost of making a bad decision can impact your entire family. Thats where this helpful book comes in. Retirement-savvy author Richard Andrews offers straightforward advice on making wise financial and lifestyle decisions that could change your life for the better. Covering everything from what to expect from your lawyer and accountant to negotiating with retirement home community operators, this guide dives into the basics of purchasing a home in a retirement home village, and adapting to your new lifestyle. Walks you through complicated retirement village contracts and what they mean Offers useful tips for choosing a retirement village that suits your needs Includes suggestions for selling your current home, downsizing your possessions and adjusting to a new life Looks at the perks of living in a retirement village community: great company, security, and homes that are designed for easy living

2510.01 РУБ

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Kenneth Fisher L. Plan Your Prosperity. The Only Retirement Guide Youll Ever Need, Starting Now--Whether Youre 22, 52 or 82


Whether you’re in retirement, just getting ready to retire, or 5, 10, or 40 years out, this book can help you invest smarter your whole life and yes, plan better for retirement. Harmful mythology abounds about retirement investing. Many retirees or soon-to-be retirees have heard a plethora of advice. Take 100 (or 120) and subtract your age to get your equity allocation, put the rest in bonds or cash. Buy only bonds. Buy only high dividend stocks. Or some combination! Buy equity-indexed annuities or some “guaranteed” income product. All examples of a potentially harmful myth many folks believe to be smart, strategic moves. Investors believe preparing for retirement requires a radically different set of tools or a dizzying array of products. Navigating the world of retirement products and services can be a full-time job. But investing for retirement is, in practice, not much (if at all) different from investing. In Your Retirement Plan, Ken Fisher will give readers a workable strategy to either develop their own retirement investing plan or work more successfully with a professional to increase the likelihood of achieving long-term goals while avoiding common pitfalls. The book will include easy-to-follow steps like How to think, correctly, about investing time horizon. How to better figure how much income you need How to determine if a portfolio can provide that income How to figure how much to save each year to achieve retirement goals What pitfalls to avoid And more. . . . In this retirement planning book thats not just for retirees, Fisher will hand readers the tools and confidence they need to better plan for the future.

1780.12 РУБ

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Carol Becker, Norman Shawchuck Leading Women. How Church Women Can Avoid Leadership Traps and Negotiate the Gender Maze


Книга "Leading Women. How Church Women Can Avoid Leadership Traps and Negotiate the Gender Maze".

2227 РУБ

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Jim Jorgensen Retire Tax Free. Avoid the IRA Trap and Win Retirement Game


Книга "Retire Tax Free. Avoid the IRA Tax Trap and Win the Retirement Game".

1814 РУБ

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Tina Vito Di 52 Ways to Wreck Your Retirement. ...And How Rescue It


Retirement planning isnt something that happens at a specific point in time or at a specific age – we are all affecting our retirement plans every day with every decision we do or dont make. Canadians are living longer, and the average retiree in the future may have as much as 30 years of retirement to plan for, and there are many simple things that will impact our eventual retirement life. 52 Ways to Wreck Your Retirement identifies 52 things we do that could wreck our retirement, explains why it puts your retirement at risk, and provides the strategy to correct the mistake, or better still, avoid it entirely. The book is organized under several key areas of the planning process, including: Starting to Plan for Retirement Mistakes around Investing Mistakes around Debt Saving for Retirement Pensions Living in Retirement Spending in Retirement New Realities about Retirement 52 Ways to Wreck Your Retirement is not a feel-good book about how wonderful retirement will be or an alarming fear-mongering book about dying broke, nor is it a get-rich-late-retirement solution. Quite simply, it is an easily-accessible and practical guide written for Canadians of all ages that gives you the tools you need to better manage the financial and personal aspects of your retirement.

1717.37 РУБ

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Paul Merriman Live it Up without Outliving Your Money!. 10 Steps to a Perfect Retirement Portfolio


Live It Up without Outliving Your Money! «Paul Merrimans new book is a rich and meaty guide to achieving real retirement security. Its full of wise, easy-to-follow advice that will stand the test of time.» –Knight Kiplinger, Editor in Chief, Kiplingers Personal Finance Magazine and The Kiplinger Letter «Read, Live It Up! Not only does Paul Merriman know the secret to making your money work as hard as you do, he loves helping people achieve their goals and dreams.» -Paul B. Farrell, author of The Millionaire Code, The Winning Portfolio and The Lazy Persons Guide to Investing An educational and motivational guide to retiring without running out of money No one understands this better than Paul Merriman. For four decades, Merriman has helped and watched people manage their money–both before and during retirement. Now, in Live It Up without Outliving Your Money!, Merriman distills what he has learned into a sound, time-tested approach to creating a portfolio that will fulfill your unique retirement needs. Based on Merrimans popular retirement workshops, Live It Up without Outliving Your Money! offers ten straightforward steps to creating and maintaining the perfect retirement portfolio. From determining how much you will need to live on after retirement to recognizing and controlling the expenses of investing, the easy-to-understand strategies outlined within these pages can help you regain confidence in your retirement plan. Stay current! visit www.wiley.com/go/paulmerriman

1515.91 РУБ

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Peter Mazonas Double Your Retirement Income. Three Strategies for a Successful Retirment


As corporations and the government continue to shift the responsibility for retirement savings to workers, employees at all economic levels must develop a personal plan to ensure a financially secure retirement. In Double Your Retirement Income, financial professional Peter Mazonas provides readers with the tools and information needed to overcome retirement obstacles. Beginning with a broad overview of the economic realities readers will face, this comprehensive guide helps them take a step back and make an honest assessment of what it’s going to take to retire on their terms. Filled with in-depth insight, expert advice, and illustrative charts and graphs, Double Your Retirement Income shows readers how to effectively manage Defined Contribution Plans, understand Defined Benefit Pension Plans, buy and hold a balanced portfolio of no-load, and much more.

1977.62 РУБ

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David Trahair Enough Bull. How to Retire Well without the Stock Market, Mutual Funds, or Even an Investment Advisor


The one book your bank REALLY does not want you to read. More than ever before, Canadians are frightened and stressed out about their retirement and financial future. With the mortgage, car payments and credit card bills, there never seems to be enough to pay the current bills let alone save thousands in RRSPs. At the same time, the large financial institutions are bombarding us with fearful messages of destitution unless we maximize our RRSP contributions. The stock market crash of 2008 has proven one thing: traditional retirement planning advice simply doesnt work. The risks are too enormous. Throwing money into RRSPs and trusting the stock market is like gambling with your familys future. But how do you plan for retirement without risking everything? In Enough Bull, David Trahair explains: How to invest only in 100% safe investments that will never decline How to get out of mutual funds and the stock market – forever The «Tax Turbo-Charged RRSP strategy» – why you should wait until you are over 50 to start your RRSP Exactly what age to elect to receive the CPP pension How to avoid the scams that lead to personal financial disaster Easy to understand and simple to apply, Enough Bull shows Canadians how to avoid all the traps and why doing the exact opposite of what they have been told will leave them much further ahead. www.enoughbull.ca

1453.16 РУБ

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Paula Jhung How to Avoid Housework. Tips, Hints and Secrets Show You Have a Spotless Home Without Lifting


Книга "How to Avoid Housework. Tips, Hints and Secrets to Show You How to Have a Spotless Home Without Lifting".

1439 РУБ

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Larry E. Swedroe, Kevin Grogan Your Complete Guide to a Successful and Secure Retirement


This is your one-stop, definitive resource as you prepare for a secure and comfortable retirement.Investment and personal finance experts Larry Swedroe and Kevin Grogan present uniquely comprehensive coverage of every important aspect you need to think about as you approach retirement, including:Social Security, Medicare, investment planning strategy, portfolio maintenance, preparing your heirs, retirement issues faced by women, the threat of elder financial abuse, going beyond financials to think about your happiness, and much more.These topics are explained with the help of specialists in each subject. And everything is based on the “science of investing” – evidenced with studies from peer-reviewed journals.Overall, this adds up to a complete retirement guide, packed with the latest and best knowledge. Don’t enter your retirement without it.

1702 РУБ

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David Loeper B. Stop the Retirement Rip-off. How to Avoid Hidden Fees and Keep More of Your Money


Saving for retirement is a difficult task, especially during these challenging economic times. Individuals who participate in their retirement plans are being charged billions in fees annually—and no one is looking out for their best interests—even though the laws say both plan sponsors and employers should be held responsible for acting in their employees’ best interests. The fact is that unless individuals are willing to stand-up and secure their financial future, they’re likely to face less money in their retirement plan accounts and have to work longer to accumulate the funds they need for retirement. In Stop the Retirement Rip-off, author David Loeper provides the necessary tools for readers to take action and make the most of their retirement plans. It offers a road map for employees to understand the fees and costs associated with their plans; as well as improve their standing within their company by proactively helping their employer to take needed action. The book features a non confrontational positive approach to bringing your retirement plan problems to the attention of your employer. Written in a straightforward and accessible style, Stop the Retirement Rip-off provides readers with sensible strategies for making the most of their retirement funds, and will put them back in control of their financial future.

1581.3 РУБ

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Stephan Mardyks M. Trap Tales. Outsmarting the 7 Hidden Obstacles to Success


Outsmart the traps that are holding you back from success! Trap Tales is your guide to avoiding the seven obstacles that ensnare people every day. We all fall into traps, and we often don’t even realize it until we’re deeply entrenched. Like quicksand, traps are easy to step into, but difficult to escape—it seems that the harder we try to climb out, the deeper we sink. But what if there were another way? What if we knew the right strategies to escape the traps we have fallen into? What if we could spot traps from a distance, and avoid them entirely? In this book, authors David M. R. Covey and Stephan M. Mardyks train you in the art of Trapology. You’ll meet Alex and Victoria, who have fallen into traps you’re sure to recognize. As you read their stories, you’ll learn about the seven most common traps in life and work, and how even the smartest and seemingly most accomplished people find themselves stuck and unable to see their way out. Traps are masters of disguise, but there are telltale signs that give them away every time. If you discover that you’re trapped right now, consider this book your lifeline—the lessons contained in Trap Tales will teach you how to escape these traps and how to sidestep them in the future. This book, unlike most books, offers counter-intuitive strategies and unconventional wisdom to: • Learn the seven biggest traps in life and work that catch people unaware • Identify the traps that are holding you back right now • Discover your escape route and climb out of the quicksand • Become a “Trapologist” and avoid traps altogether The core message of Trap Tales is hope—the belief that anybody can change the trajectory of their life, at any stage of their life. Stop letting traps steal your time, money, energy, and happiness—Trap Tales provides survival training of a different sort, allowing you to write your own tale of success.

1651.32 РУБ

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Carolyn Castleberry Its about Time!. 10 Smart Strategies to Avoid Time Traps and Invest Yourself Where It Matters


Книга "It's about Time!. 10 Smart Strategies to Avoid Time Traps and Invest Yourself Where It Matters".

1414 РУБ

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Larry Miller Management Traps. Signs Managers Miss


Do you struggle making sure your staff does the right thing, in the right way, and at the right time? Managing people can be a daunting task, even for those managers who have had good and extensive management training. Anyone can accidentally fall into hard-to-recognize traps when communicating performance goals or process improvements to co-workers and staff. As our high-tech environment creates a greater need for social and communication skills in the workplace, avoiding these traps is becoming more critical. In this guide, Larry Miller, a human resources expert, walks you through how to: • confront people to solve problems; • repeat critical messages to promote action and results; • question assumptions when deciding who to hire; and • measure the right things when evaluating employees. The author also explores how to lead by example, communicate well with others, avoid hasty conclusions, and choose the right words to inspire improved performance. Regardless of the size of company, type of company, or requirements and duties of any job, management traps occur. Avoid or resolve these traps and improve your bottom line in the process with the lessons in this guide.

1052 РУБ

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Car Stickers WARNING TO AVOID SERIOUS INJURY DONT TELL ME HOW DO MY JOB Motorcycle Decor sticker

FASP WARNING TO AVOID SERIOUS INJURY DONT TELL ME HOW DO MY JOB 3D Car Motorcycle Sticker JDM Decal 8.5*7.5cm

Paul Merriman Live It Up Without Outliving Your Money!. Getting the Most From Investments in Retirement


Completely expanded and updated, Live it Up Without Outliving Your Money! Second Edition is the financial roadmap that people are looking for. Based on the authors experience in the financial services sector since the mid-1960s, including more than 30 years as an investment advisor and money manager, this plain-talking book gives readers simple strategies to add between $1,000 and $10,000 to their monthly income in retirement, and without taking any of the dumb risks of the past. This reliable resource motivates readers to take the first steps to change their financial situation; presents multiple strategies for withdrawing money during retirement; and exposes the marketing tricks perpetrated by financial institutions. This book also includes added focus on newer issues such as ETFs, REITs, estate planning, IRA withdrawals, and updated allocation strategies. Live it Up Without Outliving Your Money! : • Allows readers to tailor a financial plan for retirement that takes into account the amount of risk they’re willing to tolerate • Provides multiple strategies for withdrawing money once in retirement while also building an estate for children and other survivors • Exposes the marketing tricks and emotional ploys perpetrated by financial institutions and the personal finance media that keep investors from making the best decisions – and provide real-world examples of these deceptions • Motivates readers to take the first steps to change their financial situation, which is the most difficult part of the strategy • Includes a dozen worksheets to help readers grapple with retirement planning

1648.02 РУБ

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Gary Eldred W. The 106 Common Mistakes Homebuyers Make (and How to Avoid Them)


Everything first-timers need to know to avoid the most common mistakes homebuyers make Written especially for first-timers, this eye-opening guide turns you into an educated consumer, ensuring that the home or condo you buy is both a comfortable place to live and a great investment for the future. Compiled from the experience of hundreds of homebuyers, real estate agents, home builders, and mortgage lenders, it shows you the most common mistakes buyers make and illustrates them in practice so you dont fall into the same traps. Now revised and updated for todays hot real estate market, this invaluable resource covers everything from negotiating with sellers and making the down payment to shopping for the best mortgage and handling the closing. The new Fourth Edition also includes totally up-to-date guidance on using the Internet to find properties, secure financing, and collect important data. If youre thinking about buying a home in this overheated market, dont make these mistakes: Researching selling prices and still overpaying Believing everything your agent tells you Buying into an upscale neighborhood thats moving downscale Underestimating utilities and other costs Allowing your agent to negotiate for you Letting fear get the better of you and not buying at all Written by one of the nations leading real estate experts and packed with hundreds of valuable tips and suggestions, The 106 Common Mistakes Homebuyers Make, Fourth Edition will give you the confidence–and the wisdom–to buy the right home at the right price.

1343.51 РУБ

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James E. Fox I Love Annuities...and You Should Too!. See How the Modern Annua Can Fit into Your Retirement Portfolio and Other Ideas


Книга "I Love Annuities...and You Should Too!. See How the Modern "Annua" Can Fit into Your Retirement Portfolio and Other Retirement Ideas".

2389 РУБ

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Кашемир от Andre Maurice! - Eat Dress Travel

23 мар. 2015 г. - Я уже писала о итальянском бренде Andre Maurice! ... и уже в 1979 году компания стала лидером по производству одежды из шерсти и ...

Andre Maurice: одежда, женская одежда, аксессуары, женские ...

Коллекция Andre-Maurice в наличии в интернет-магазине Cashmere. ... Ватикана, компания получила известность и путевку в большой модный бизнес.

ANDRE MAURICE популярный Джемпер из хлопка с шелковой ...

Начало > Женская одежда > джемперы и водолазки > ANDRE MAURICE популярный Джемпер из хлопка с шелковой вставкой ... Производитель: Италия.

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Женские Трикотажный топ из шелка с хлопком ANDRE MAURICE Канаты и цена покупки ZZpW7eO3. ... Производитель: Италия. Материал: 53% шелк ...

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Производство находится буквально за соседней дверью ... согласятся, Andre Maurice это оптимальное соотношение цена-качество.

Аутлет Серравалле (Serravalle) из Милана

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Купить свитер Andre Maurice 7916826 с доставкой по Украине ...

Свитер Andre Maurice 7916826 купить в интернет-магазине TheFind.com.ua. Доставка по всей Украине, узнайте цены и отзывы на свитер Andre Maurice ...

Каталог известных брендов: лучшие мировые бренды одежды и ...

Известные бренды-производители сумок, а также интернет магазины, ... Компания Andre Maurice из Италии представляет одежду для женщин и ...

женщина Кашемировые перчатки ANDRE MAURICE Канаты и ...

женщина Кашемировые перчатки ANDRE MAURICE Канаты и цена покупки ... Бренд: Италия Производитель: Италия Материал: 100% кашемир ...

Женские свитеры и кардиганы Hanita — купить на Яндекс.Маркете

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Женские Кардиган из шелка ANDRE MAURICE специальное предложение H3qzrgII. ... Бренд: Италия. Производитель: Италия. Материал: 100% шелк.

Бренды — Cалон европейской одежды «Kashemir Luxury», г. Томск

На сегодняшний день компания производитель Аbrо считается одним из ... Визитной карточкой Andre Maurice стали уютные, нежные изделия из 100% ...

Andrè Maurice для Женщин - YOOX Россия

Покупай Andrè Maurice для Женщин онлайн на Yoox. Открой для себя мир Yoox. 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Thomas Anderson J. The Value of Debt in Retirement. Why Everything You Have Been Told Is Wrong


Increase the odds you wont run out of money in retirement – using debt! Conventional wisdom is wrong – being debt free in retirement may actually increase your risk. The Value of Debt in Retirement teaches you how incorporating debt into your retirement strategy may increase your return, lower your taxes and actually lower your risk. You read that right. If handled correctly, debt—that thing weve all been taught to avoid—can play an integral role in your life, especially in retirement. New York Times Best Selling Author and nationally acclaimed financial expert Tom Anderson shows you how to use the time tested strategies of the best companies and the ultra rich to retire comfortably, minimize taxes, buy the things you have always wanted to have and do the things you have always wanted to do. Thought provoking and against the grain, Anderson explains why your risk tolerance doesnt matter, why being debt free may actually increase your risk and why rushing to pay off your mortgage may be a financial disaster. Full of shocking revelations and tricks high- net-worth individuals have used for years, The Value of Debt in Retirement opens the world to a new approach to wealth management in retirement, one that factors in both sides of the balance sheet as an integrated ecosystem. Real-world case studies illustrate how informed debt strategies can lead to a happier, healthier retirement. See how an individual with a net worth of more than $5 million can spend $20,000 per month – after taxes – and pay less than $5,000 per year in taxes, how it is possible to increase your rate of return by 50%, and how a lower risk portfolio with debt could increase the chances you do not run out of money. Specifically written to Baby Boomers, practical guides and checklists show how to use debt strategies to fund primary and secondary properties, refinance credit card debt, and finance hobbies, such as cars and boats and recreational vehicles. Additional guides show how you can help your children, help your parents and leave a bigger legacy for your heirs and favorite charities. Regardless of your net worth, The Value of Debt in Retirement provides tools to use to apply these concepts to your personal situation. There is no free lunch: the book delivers a balanced perspective focusing on the potential risks and benefits of the strategies discussed. A discussion on economic history highlights some of the shocks the economy may face and provides important warnings that you should factor into your retirement plan. Anderson not only shows that your life expectancy may be longer than you think, but also illustrates that many investors may be on track to average returns well under 4% for the next ten years – a potentially devastating combination. Irrespective of your beliefs about debt, The Value of Debt in Retirement proves risk is more important than return for retirees and provides suggestions on ways to minimize that risk. Not all debt is good and high levels of debt are bad. The Value of Debt in Retirement is about choosing the right debt, in the right amounts, at the right time. Perhaps most importantly, this book isnt for everybody. This book requires responsible actions. If you cant handle the responsibility associated with the ideas then this book then it isnt for you. If you need a rate of return under 3% from your investments then you may not need this book. But if you can handle the responsibility and if you need a return above 3%, this book may offer insights into the best (and potentially only) way to achieve your goals.

1978.28 РУБ

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J. Moore Thomas Last Chance to Get It Right!. How Avoid Eight Deadly Mistakes Made with Money


Praise for Last Chance to Get It Right! «Tom Moore is one of the capable professionals who made me look good in the last thirty years of my forty-five year career at A.G. Edwards & Sons. He has put together a primer which should help both new and veteran investors understand financial markets and alternatives, and gain a direction and common-sense approach to their estate planning.» -Benjamin F. Edwards III, Chairman Emeritus A. G. Edwards & Sons «Tom Moores grasp of the problems of retirement planning is superb; his methods of solving those problems unrivalled.» -Richard Austin, past president of Templeton Funds Annuity Company currently a Retirement Income Planning Consultant «Tom has spelled out in plain English, just what it takes to create and implement a successful retirement plan. Boomers and non-boomers alike, will find his step-by-step road map very helpful.» -M. Ellen Simmons, JD, CPA Between Social Security uncertainty and uneasiness in the stock market, Americans today face a more uncertain financial future than at any time in decades. Ironically, our response to this growing emergency is to spend more, save less, and put off necessary preparations until tomorrow. Buckle up, because tomorrow has arrived. Last Chance to Get It Right! outlines a step-by-step program designed to help you: * Increase the size of your nest egg-for a long, enjoyable retirement * Slash your income tax bill-both today and throughout your life * Reduce your estate taxes-to preserve the assets you fought so hard to build Are you truly prepared for the financial future facing you and your family? Let Last Chance to Get It Right! give you the knowledge and tools you need to stop making financial mistakes today-and put more money in your pocket tomorrow.

1977.62 РУБ

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Alex Warrington Ph.D., Asia Moore Maine Coon Cat. From bringing your kitten home to comforting senior age companion


Wouldn’t it be great if an expert Felinologist and Author teamed up with an established Researcher to publish the most complete, breed-specific and detailed book in the market on Maine Coons? Well, here it is, just grab a copy.If you haven’t chosen your kitten yet, you will discover: How to choose a reputable breeder and what questions to ask them The main US and UK Clubs and Registries for the breed What are the largest Shelters and Rescues in the US and UK for adopting a kitten How will a Maine Coon behave around your kids or your other pets What are the average kitten prices Why you should avoid breeding farms What questions to ask yourself to decide if a Maine Coon would fit into your lifestyle How to check if a kitten is healthy and how to pick one out of a litter How to decide whether to get one kitten or more What is the best age to buy a kitten What to consider to choose a male or female kitten What items you should buy before bringing your kitten home and how much they costOnce you bring your kitten home, you will find clear step-by-step instructions on: How to kitten proof your home and back yard eliminating all possible sources of danger What to do during the first day your kitten is home How to get your kitten settled into their new routine during the first weeks and common mistakes to avoid How to start bonding with your Maine Coon kitten How to potty train or toilet train your kitten and electronic devices in the market to help you do thatIf you are already the ...

1577 РУБ

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John L. Bisol SURVIVOR - The House Sale


A humorous revelation of the "truth" behind selling a home and buying a new home. Based on actual events; it is an odyssey that captures all the insanity, silliness and downright lies that were endured during one house Purchase and Sale. Not a "Reality TV" storyline but a "snarky" telling of the truth. Many are "hoisted with their own petard." (If you cannot "take the heat," buy a "happy book.")There are twists and turns in what should be a straightforward process. Just when everything seems under control, there are breaks in the continuum.Fortunately, there are plenty of tips on how to anticipate and perhaps avoid the traps set by "everyone."

1402 РУБ

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Frederick Vettese The Essential Retirement Guide. A Contrarians Perspective


Retirement planning is difficult enough without having to contend with misinformation. Unfortunately, much of the advice that is dispensed is either unsubstantiated or betrays a strong vested interest. In The Essential Retirement Guide, Frederick Vettese analyses the most fundamental questions of retirement planning and offers some startling insights. The book finds, for example that: Saving 10 percent a year is not a bad rule of thumb if you could follow it, but there will be times when you cannot do so and it might not even be advisable to try. Most people never spend more than 50 percent of their gross income on themselves before retirement; hence their retirement income target is usually much less than 70 percent. Interest rates will almost certainly stay low for the next 20 years, which will affect how much you need to save. Even in this low-interest environment, you can withdraw 5 percent or more of your retirement savings each year in retirement without running out of money. Your spending in retirement will almost certainly decline at a certain age so you may not need to save quite as much as you think. As people reach the later stages of retirement, they become less capable of managing their finances, even though they grow more confident of their ability to do so! Plan for this before it is too late. Annuities have become very expensive, but they still make sense for a host of reasons. In addition, The Essential Retirement Guide shows how you can estimate your own lifespan and helps you to understand the financial implications of long-term care. Most importantly, it reveals how you can calculate your personal wealth target – the amount of money you will need by the time you retire to live comfortably. The author uses his actuarial expertise to substantiate his findings but does so in a jargon-free way.

1780.12 РУБ

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Shelley Giordano MA W The Deal With Reverse Mortgages.


What retirement income experts can teach you about your largest asset.Longevity potentiates volatility or, in other words, the longer you live, the greater probability something bad will happen. Since we do not know how long we will live, we must be prepared for the long game. Deploying the home asset strategically and early in retirement converts an illiquid, indivisible asset into a shock absorber for the future.The fully updated and expanded second edition to What’s The Deal With Reverse Mortgages? explains in simple language how to safely and effectively include the home in retirement planning. Shelley Giordano shares: A clear roadmap to use the HECM (Home Equity Conversion Mortgage) to solve financial challenges 4 vital pieces of information (the 4 Nevers ) that demolish the negative lore that attends reverse mortgages How reverse mortgages have changed, and why retirement experts recommend a new approach to them A thorough review of evolving reverse mortgage safeguards over the years and how retirement income experts recommend themIf you are a financial professional working with retirees, you will want to share this book with your clients. If you are a retiree overseeing your own retirement spending, you will want do the same with whomever it is giving you retirement advice.

2352 РУБ

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Dick Diamond Buying Time. Trading Your Retirement Savings for Income and Lifestyle in Prime Years


DO EVERYTHING YOU WANT, AND STILL COVER EVERYTHING YOU NEED, IN RETIREMENT. Buying Time begins where most other retirement books end. Instead of covering how to accumulate money for your retirement, it gives you direction from that point forward-how to draw upon your assets most efficiently to create the income you will need throughout retirement. It provides an integrated approach to planning your income in retirement, so that you can do everything you want and still cover everything you need. Buying Time will help you to make better use of your resources, and make the best of your prime retirement years. Explains how to set your lifestyle objectives and plan for the best use of your money in retirement. Cover different strategies for different stages of retirement, so that you can make the best of your prime years while still providing for contingencies and long-term health considerations. Fully updated, this revised edition includes information on: adjustments in tax rates and tax credits; new and amended tax legislation; major changes to the pension income-splitting rules; new financial products and investment options for people in retirement; and more. A proven, integrated, four-part approach to retirement planning: structuring and planning income, investing during retirement, health-risk management, and wealth transfer. Offers advice on how to work with an advisor to create and implement a plan thats right for you. Includes practical examples, illustrations, forms, and checklists. Buying Time offers practical, proven strategies that readers can apply at every stage of retirement, from the golden years to the «olden years.»

2215.41 РУБ

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Andrew Trim Real Estate Dangers and How to Avoid Them. A Guide Making Smarter Decisions as a Buyer, Seller Landlord


Essential information for anyone with property Real Estate Dangers and How to Avoid Them is a must-read guide for anyone thinking of buying or selling property, or becoming a landlord. Whether you’re looking for your dream home, to sell a property, or to invest, flip or rent out an existing investment, this book is packed with the insider information you need to avoid getting ripped off. By shining a light on the flawed and unnecessary aspects of the real estate industry, this book will help you make smarter decisions based on knowledge rather than “advice,” saving you time, money and headache. Stories of those who have seen the dangers highlight the ways in which this outdated system takes advantage of first-timers and experienced investors alike—and expert guidance shows you how to steer clear of the traps and pitfalls lurking around every transaction. Nearly everyone will have their hands in real estate at some point, and the real estate industry can be intimidating—after all, you rarely make financial transactions this large. But the truth is that the industry can be quite simple and can go quite smoothly, if you eliminate the distractions and focus on making smart decisions. This book shows you the real truth about the industry, helping you: Avoid the traps that rip off buyers and sellers Make smart decisions, minimise financial risk and let the system work for you Identify unnecessary add-ons and bogus charges Learn the tricks of the trade so you can save your money Become a smarter landlord and attract quality tenants. With clear, no-nonsense advice for buyers, sellers, landlords, and flippers, Real Estate Dangers and How to Avoid Them arms you with the knowledge you need to succeed in the property business.

1714.07 РУБ

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Barbara Smith Self Managed Superannuation Fund Handbook. A Practical Guide to Starting and Managing Your Own


In The Self Managed Superannuation Fund Handbook, tax and superannuation specialists Barbara Smith and Dr Ed Koken show you how to take advantage of the simplified do-it-yourself superannuation and pension rules, and how to get the best out of your investments in the most tax-friendly way. This practical handbook covers: why you should set up and run your own fund investment options and strategies taxation tips and traps in running your fund accessing your retirement savings as pension This book is full of information for investors setting up or already running an SMSF, and professionals who provide superannuation and retirement planning advice to clients with SMSFs.

3170.53 РУБ

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Alex Warrington Ph.D., Asia Moore Persian Cat. From Kitten to Senior Age


Wouldn’t it be great if an expert Felinologist and Author teamed up with an established Researcher to publish the most complete, breed-specific and detailed book in the market on Persians? Well, here it is, just grab a copy.If you haven’t chosen your kitten yet, you will discover: How to choose a reputable breeder and what questions to ask them The main US and UK Clubs and Registries for the breed What are the largest Shelters and Rescues in the US and UK for adopting a kitten How will a Persian behave around your kids or your other pets What are the average kitten prices Why you should avoid breeding farms What questions to ask yourself to decide if a Persian would fit into your lifestyle How to check if a kitten is healthy and how to pick one out of a litter How to decide whether to get one kitten or more What is the best age to buy a kitten What to consider to choose a male or female kitten What items you should buy before bringing your kitten home and how much they costOnce you bring your kitten home, you will find clear step-by-step instructions on: How to kitten proof your home and back yard eliminating all possible sources of danger What to do during the first day your kitten is home How to get your kitten settled into their new routine during the first weeks and common mistakes to avoid How to start bonding with your Persian kitten How to potty train or toilet train your kitten and electronic devices in the market to help you do thatIf you are already the happy guardi...

1489 РУБ

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Trevor A. Winchell Daily Guidance from God. Providing Godly . Perspective for Your Life Circumstances.


And you shall know the truth, and the truth shall make you free (John 8:32 NKJV). All the devotional writings that are written in this book were given to me from God to write for every person who needs to read them. I truly believe with all my heart that every single word that God gave me to write was given to me to help, inspire, direct, guide, lead, and strengthen people who are facing difficult situations and to serve a specific purpose in their life. In my devotional writings, I might say things that a lot of people dont agree with, or I might say a lot of things that people dont like. But the fact of the matter is that every single word I write is given to me by God, not because people want to hear it but because people need to hear it. The truth of Gods Word is undeniable in every way, and only the truth of Gods Word will set you free in the end. So those who want everything sugarcoated to their satisfaction and according to their standards will keep them in denying the truth. As most of you know, I dont sugarcoat anything, and I dont tell people what they want to hear. I tell people what they need to hear based on the words God has given me. Is it easy to tell people what they dont want to hear? Of course not, but when God commands me to write the words he gives me, I must obey him regardless if people are going to like it or not. The truth and only the truth of Gods words will set you free in the end. The devotionals that I write are 70 percent scripture context, 30 p...

3639 РУБ

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Alan Roadburg The Perfect Retirement. Retirement Lifestyle Readiness


The Perfect Retirement provides truly unique insights, practical guidance, and strategies to ensure that your retirement will be worthwhile and enjoyable. It is based on our exclusive research among 1,450 retirees (your retirement mentors) who share their experiences, impressions and advice on retirement. It also includes our exclusive Life Goal Planning Workshop to ensure that satisfactions lost from work will be met in retirement. In addition, it provides the crucial link between Life Goal and financial planning, to truly personalize your financial plan, and much more. It is an easy-to-read and practical workbook that reflects the needs of today's retirees and elevates retirement lifestyle planning to a new standard.

1677 РУБ

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David Kennedy End of the Retirement Age. Embracing pursuit meaning, purpose and prosperity


Your retirement is fast approaching. It should be a time of celebration, but you have more questions than answers.Will you struggle to fill your days with meaningful activities? Will you lose your sense of identity and purpose? Will you outlive your money?The combination of longer life expectancies, declining government support, and a reduction in job security means you need to completely rethink your approach to this phase of life.Fortunately, there is hope.In End of the Retirement Age, David Kennedy presents an optimistic exploration of the forces shaping the retirement landscape, the surprising economic opportunity of an ageing population, and the inspiring ways a generation is redefining retirement in pursuit of meaning, purpose and prosperity.You’ll discover: Why retirement in its current form is redundant. How you can adapt to the changing retirement landscape, including tips and strategies to help you prepare. Why older Australians hold the key to Australia’s economic prosperity. Inspiring stories from a broad cross-section of retirees.If you are serious about planning for life after work, this book will help you understand the challenges and opportunities of the new retirement playing field, while providing insights, stories and strategies to help you adapt and thrive in this new reality.The retirement age is over. What takes its place has the potential to be transformational.

3002 РУБ

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Raymond Lucia J. Buckets of Money. How to Retire in Comfort and Safety


A proven way to financially prepare for retirement Are you wondering if you can make your retirement savings last? Concerned about inflation reducing your purchasing power? Worried about the stock markets violent swings? In Buckets of Money: How to Retire in Comfort and Safety, nationally recognized Certified Financial PlannerTM and radio personality Ray Lucia offers you a smart and conservative way to protect and grow your nest egg-so you can enjoy a comfortable retirement without worrying about your money running out. Developed by Lucia over his thirty-year career as a financial planner, the «Buckets of Money» technique is a proven way to achieve both income and growth, while guarding against the ravages of inflation. Buckets of Money is filled with in-depth insights and practical advice that will help you assess your retirement situation, save the money you need to last your entire lifetime, and adjust your plan to good times and bad. Regardless of your age, income, net worth, or investment experience, you need to have a solid plan for your retirement years. Buckets of Money provides you with such a plan, and shows you the best way to implement it.

1977.62 РУБ

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Cassandra Francis Verses and Views. Love . Adventure Hope Vision


Combining two deeply held passions, Verses and Views intertwines author Cassandra Franciss love of writing and of photography. She presents a collection of her original poetry and pictures taken during her travels and during everyday life. Through verses that flow and paint vivid pictures, she offers her perspective on the world and her place in it.StrugglingStruggling to be, in a society that wants this and that.Why dont you do this?Why dont you be this?Why is it decisions are being made for me not by me?Dont I know what I can do?Dont you think I can do it?Just think maybe, Im the right one to make my own decisions!Stop making decisions for me!

1002 РУБ

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David Loeper B. Stop the Retirement Rip-off. How to Keep More of Your Money for


A detailed guide for avoiding the pitfalls of retirement funding In Stop the Retirement Rip-Off, author David Loeper provides the necessary tools for investors to take action and make the most of their retirement plans. It offers a road map for employees to understand the fees and costs associated with their plans; document the excesses in a presentation to management; then organize themselves to protest and, if necessary, bring the documentation to the Labor Department in a complaint. Written in a straightforward and accessible style, this book is filled with sensible strategies for making the most of retirement funds and putting future retirees back on the right financial track. Filled with strategies that can help employees stand up and secure their financial future Addresses how to make the most of your money, and your life, after fixing your retirement plan Outlines a practical approach to understanding your organizations retirement plan and overcoming its potential inefficiencies This important book contains the much-needed information that employees need to plan for retirement and ensure a secure financial future.

1317.75 РУБ

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Consumer Dummies Managing Your Money All-In-One For


Want to take control of your finances once and for all? Managing Your Money All-in-One For Dummies combines expert money management with personal finance tips. From credit cards and insurance to taxes, investing, retirement, and more, seven mini-books show you how to improve your relationship with money – no matter your age or stage of life. This easy-to-understand guide shows you how to assess your financial situation, calculate debt, prepare a budget, trim spending, boost your income, and improve your credit score. You’ll find ways to run a money-smart household, reduce waste, and cut medical and transportation expenses as you tackle your debt head-on and develop good saving habits. You’ll even get help choosing the right mortgage and avoiding foreclosure, saving for college or retirement, and determining your home-, car-, and life insurance needs. Discover how to: Take charge of your finances Manage home and personal finances Lower your taxes and avoid tax audits Plan a budget and scale back on expenses Deal with debt and negotiate with creditors Save and invest safely for college or retirement Protect your money and assets from fraud and identity theft Ensure a comfortable retirement Plan your estate and safeguard a will or trust Managing Your Money All-in-One For Dummies brings you seven great books for the price of one. Can you think of a better way to start managing your money wisely?

2377.24 РУБ

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Max Newnham Funding Your Retirement. A Survival Guide


Are you worried about how you?re going to fund your retirement? Will you be able to afford the lifestyle you deserve? Many Australians are nearing or in retirement and many are not financially prepared. Funding Your Retirement: A Survival Guide will help you secure your financial future so you can enjoy the retirement you?ve dreamed of. This comprehensive guide is packed with strategies, from salary sacrificing and making superannuation contributions to consolidating debt and building a balanced investment portfolio. Topics covered include: ? planning your retirement ? understanding retirement and taxation rules ? managing your superannuation ? determining if a self managed superannuation fund is right for you ? implementing wealth-creation strategies ? ensuring your funds last as long as they need to.

2510.01 РУБ

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Mitch Anthony The New Retirementality. Planning Your Life and Living Dreams...at Any Age You Want


Stop making a living and start making a life with The New Retirementality When Mitch Anthony first presented the concept of a new way of thinking about retirement in 2000, it was novel and many critics didnt buy into it. Originally written to get the attention of baby boomers who were approaching 55, Mitch started a revolution by showing people why they needed to have a new attitude about retirement–a «new retirementality.» More than a decade later, most of us are facing a very different retirement reality than previous generations–failing pensions, an endangered social security system, and inadequate savings. We have been forced to face the reality of a retirement that may never happen, or one that will take place much later in life than ever expected. Circumstances are redefining what it means to retire, and The New Retirementality, Fourth Edition is your roadmap. While most books focus on a «number,» this reliable resource shows you that attitude is also an essential part of the equation–if you want to succeed you need both means and meaning. Includes new research and studies on the latest retirement realities, as well as introduce readers to Mitchs newest concept, investing toward a greater Return on Life™ Discusses what it means to retire on purpose, the expanding role of work in retirement, and how to self-direct your future by becoming your own benefits director Written by top financial planner Mitch Anthony Filled with engaging anecdotes and inspirational suggestions, this book will motivate you to rethink the meaning of retirement and put you in a better position to enjoy the new retirementality you deserve.

1515.91 РУБ

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