A timeless business classic, Who Moved My Cheese? uses a simple parable to reveal profound truths about dealing with change so that you can enjoy less stress and more success in your work and in your life.
It would be all so easy if you had a map to the Maze.
If the same old routines worked.
If they'd just stop moving "The Cheese."
But things keep changing...
Most people are fearful of change, both personal and professional, because they don't have any control over how or when it happens to them. Since change happens either to the individual or by the individual, Dr. Spencer Johnson, the coauthor of the multimillion bestseller The One Minute Manager, uses a deceptively simple story to show that when it comes to living in a rapidly changing world, what matters most is your attitude.
Exploring a simple way to take the fear and anxiety out of managing the future, Who Moved My Cheese? can help you discover how to anticipate, acknowledge, and accept change in order to have a positive impact on your job, your relationships, and every aspect of your life.
Kathryn Petersen, Decision Tech's CEO, faces the ultimateleadership crisis: Uniting a team in such disarray that itthreatens to bring down the entire company. Will she succeed? Willshe be fired? Will the company fail? Lencioni's utterly grippingtale serves as a timeless reminder that leadership requires as muchcourage as it does insight.
Throughout the story, Lencioni reveals the five dysfunctions whichgo to the very heart of why teams even the best ones-oftenstruggle. He outlines a powerful model and actionable steps thatcan be used to overcome these common hurdles and build a cohesive,effective team. Just as with his other books, Lencioni has writtena compelling fable with a powerful yet deceptively simple messagefor all those who strive to be exceptional team leaders.
A valuable discussion of where paper assets fit (and do not fit) in the context of Rich Dad principles and its place among the other assets classes such as real estate business and commodities.
The bulk of the book educates investors on "Andy's 4 pillars of stock market income" and effectively simplifies the four concepts to help investors begin to harness their power.
The book concludes with ideas for an individual action plan suited to the goals of the reader
Get What’s Yours has proven itself to be the definitive book about how to navigate the forbidding maze of Social Security and emerge with the highest possible benefits. It is an engaging manual of tactics and strategies written by well-known financial commentators that is unobtainable elsewhere. You could try reading all 2,728 rules of the Social Security system (and the thousands of explanations of these rules), but academia’s Kotlikoff, the popular press’s Moeller, and public television’s Solman explain the Social Security system just as comprehensively, and a lot more comprehensibly. Moreover, they demonstrate that what you don’t know can seriously hurt you: wrong decisions about which Social Security benefits to apply for cost individual retirees tens of thousands of dollars in lost income every year. (Some of those people are even in the book.)
Changes to Social Security that take effect in 2016 make it more important than ever to wait as long as possible (until age 70, if possible) to claim Social Security benefits. The new law also has significant implications for those who wish to claim divorced spousal benefits (and how many Social Security recipients even know about divorced spousal benefits?). Besides addressing these and other issues, this revised edition contains a chapter explaining how Medicare rules can shape Social Security decisions.
Many other personal-finance books briefly address Social Security, but none offers the full, authoritative, yet conversational analysis of Get What’s Yours.
Get What’s Yours explains Social Security benefits through basic strategies and stirring stories. It covers the most frequent benefit scenarios faced by married retired couples; by divorced retirees; by widows and widowers. It explains what to do if you’re a retired parent of dependent children; disabled; an eligible beneficiary who continues to work. It addresses the tax consequences of your choices, as well as the financial implications for other investments. It does all this and more.
There are more than 52 million Americans aged 54 to 69. Ten thousand of them reach Social Security’s full retirement age of 66 every day. For all these people—and for their families and friends—Get What’s Yours has proven to be an invaluable, and therefore indispensable, tool.
—Bob Clark, Editor-in-Chief, Dow Jones Investment Advisor
Ric Edelman, America’s most successful financial advisor, has revised and updated his classic personal finance bestseller to reflect the new global economic outlook. In his 4th edition of The Truth About Money, Edelman tells you everything you need to know about money—an essential, yet delightfully breezy and accessible, must-read manual for anyone who may have previously sought the financial wisdom of Suze Orman and Jean Chatzky. The Truth About Money is an indispensible guide to money matters from the man whom Barrons named the #1 independent financial advisor in the country.
—Burton Malkiel, author of A RANDOM WALK DOWN WALL STREET
TV analysts and money managers would have you believe your finances are enormously complicated, and if you don’t follow their guidance, you’ll end up in the poorhouse.
When University of Chicago professor Harold Pollack interviewed Helaine Olen, an award-winning financial journalist and the author of the bestselling Pound Foolish, he made an offhand suggestion: everything you need to know about managing your money could fit on an index card. To prove his point, he grabbed a 4" x 6" card, scribbled down a list of rules, and posted a picture of the card online. The post went viral.
Now, Pollack teams up with Olen to explain why the ten simple rules of the index card outperform more complicated financial strategies. Inside is an easy-to-follow action plan that works in good times and bad, giving you the tools, knowledge, and confidence to seize control of your financial life.
Everyone knows that investing in your retirement is important. Yet only half of all eligible Americans contribute to a retirement plan. That’s because 401(k)s, 403(b)s, 457s, and IRA plans are complicated, confusing, and costly. New York Times bestselling author and acclaimed financial advisor Ric Edelman has counseled thousands of savers and retirees, and has accumulated his advice in this book.
Edelman has created a step-by-step guide. With illuminating examples and simple explanations, he shares everything you need to know as a plan participant: how much you need to retire comfortably, how to make wise choices among your investment options, and how to maximize the benefits of your 401(k). Along the way, he debunks the myths and clears up the confusion.
It's no secret that hundreds of companies have been slashing pensions and health coverage earned by millions of retirees. Employers blame an aging workforce, stock market losses, and spiraling costs- what they call "a perfect storm" of external forces that has forced them to take drastic measures.
But this so-called retirement crisis is no accident. Ellen E. Schultz, award-winning investigative reporter for the Wall Street Journal, reveals how large companies and the retirement industry-benefits consultants, insurance companies, and banks-have all played a huge and hidden role in the death spiral of American pensions and benefits.
A little over a decade ago, most companies had more than enough set aside to pay the benefits earned by two generations of workers, no matter how long they lived. But by exploiting loopholes, ambiguous regulations, and new accounting rules, companies essentially turned their pension plans into piggy banks, tax shelters, and profit centers.
Drawing on original analysis of company data, government filings, internal corporate documents, and confidential memos, Schultz uncovers decades of widespread deception during which employers have exaggerated their retiree burdens while lobbying for government handouts, secretly cutting pensions, tricking employees, and misleading shareholders. She reveals how companies:Siphon billions of dollars from their pension plans to finance downsizings and sell the assets in merger deals Overstate the burden of rank-and-file retiree obligations to justify benefits cuts while simultaneously using the savings to inflate executive pay and pensions Hide their growing executive pension liabilities, which at some companies now exceed the liabilities for the regular pension plans Purchase billions of dollars of life insurance on workers and use the policies as informal executive pension funds. When the insured workers and retirees die, the company collects tax-free death benefits Preemptively sue retirees after cutting retiree health benefits and use other legal strategies to erode their legal protections.
Though the focus is on large companies-which drive the legislative agenda-the same games are being played at smaller companies, non-profits, public pensions plans and retirement systems overseas. Nor is this a partisan issue: employees of all political persuasions and income levels-from managers to miners, pro- football players to pilots-have been slammed.
Retirement Heist is a scathing and urgent expose of one of the most critical and least understood crises of our time.
Whatever your current financial situation, you must continue tostrive for a viable retirement plan by finding the most effectiveways to save, the best accounts to save in, and the right amount tosave, as well as understanding how to insure against setbacks andhandle the uncertainties of a shaky economy.
Fortunately, the Bogleheads, a group of like-minded individualinvestors who follow the general investment and business beliefs ofJohn C. Bogle, are here to help. Filled with valuable advice on awide range of retirement planning issues, including some pearls ofwisdom from Bogle himself, The Bogleheads' Guide to RetirementPlanning has everything you need to succeed at thisendeavor.Explains the different types of savings accounts and retirementplansOffers insights on managing and funding your retirementaccountsDetails efficient withdrawal strategies that could help youmaintain a comfortable retirement lifestyleAddresses essential estate planning and gifting issues
With The Bogleheads' Guide to Retirement Planning, you'lldiscover exactly what it takes to secure your financial future,today.
With the possible exception of home property, the most valuable asset for most Americans is their retirement fund. Yet most people don't know how to avoid the costly mistakes that cause a good chunk of those savings to be lost to needless and excessive taxation. Now, in this fully updated edition of The Retirement Savings Time Bomb, renowned tax advisor Ed Slott explains in clear-cut layman's terms what people need to know to keep their money and pass it on to their families. This book is for every American with savings who is planning to retire.
Twenty-three-year-old Zac Bissonnette—the author of Debt-Free U—knows exactly what you’re going through. He demystifies the many traps young people fall victim to in their post-college years. He offers fresh insights on everything from job hunting to buying a car to saving for retirement that will give you a foundation for a secure, stable, and happy life. In the process, he reveals why FICO scores are overrated, online job applications are a waste of time, car loans are for suckers, and credit card rewards are a scam.
With detours to discuss wine connoisseurs, Really Broke Housewives, and Lenny Dykstra, Zac shows you how to make better choices today so you can be richer, smarter (and better-looking!) for years to come.
RETHINK YOUR RETIREMENT
For many people, retirement is no longer a trifecta of golf, grandkids, and gardening—it’s an opportunity for new pursuits that involve both earning income and exploring personal passions. If you’re planning for retirement or already at “retirement age” but want to continue working—whether to supplement your income or to stay mentally and physically active—veteran career coach Nancy Collamer shows how to identify your favorite interests and expertise and repackage them into more than fifty ways to earn income. These second acts range from the traditional (part-time employment, consulting) to newer Internet-based options (teaching online, writing a blog). With a prescriptive approach to securing second-act careers that are flexible, fulfilling, and fun, this book offers a wide variety of income-generating examples as well as exercises to clarify your lifestyle goals and help you plan for your next move. Second-Act Careers shows how to create a profitable and meaningful semi-retirement on your own terms and in your own way.
In today’s troubling economic times, the quality of our retirement depends upon our own portfolio management. But for most of us, investing can be stressful and confusing, especially when supposedly expert predictions fail. Enter The 3% Signal. Simple and effective, Kelly’s plan can be applied to any type of account, including 401(k)s—and requires only fifteen minutes of strategizing per quarter. No stress. No noise. No confusion.
By targeting three percent growth and adjusting holdings to meet that goal, even novice investors can level the financial playing field and ensure a secure retirement free from the stress of noisy advice that doesn't work. The plan's simple technique cuts through the folly of human emotion by reacting intelligently to price changes and automatically buying low and selling high. Relayed in the same easy-to-understand language that has made The Neatest Little Guide to Stock Market Investing such a staple in the investing community, The 3% Signal is sure to become your most trusted guide to investing success.
From the Trade Paperback edition.
If you’re one of the 25 million single women over the age of 45 living in the United States today, AARP’s The Single Woman’s Guide to Retirement is your new best friend. Walking you through the challenges of retired or pre-retired life, from managing your finances to staying healthy in body, mind, and spirit, dealing with divorce, and even looking for love or work, the book covers the issues that really matter to you. Whether you’re looking for a retirement home or planning a cruise, this book is packed with specific details to help take the guesswork out of retirement. Author and retirement expert Jan Cullinane has gathered real-life stories from women just like you to illustrate your options and give you fresh new ideas about how to make the most of your retirement years.
In this fully revised and updated edition, Swensen, author of the bestselling personal finance guide Unconventional Success, describes the investment process that underpins Yale's endowment. He provides lucid and penetrating insight into the world of institutional funds management, illuminating topics ranging from asset-allocation structures to active fund management. Swensen employs an array of vivid real-world examples, many drawn from his own formidable experience, to address critical concepts such as handling risk, selecting advisors, and weathering market pitfalls.
Swensen offers clear and incisive advice, especially when describing a counterintuitive path. Conventional investing too often leads to buying high and selling low. Trust is more important than flash-in-the-pan success. Expertise, fortitude, and the long view produce positive results where gimmicks and trend following do not.
The original Pioneering Portfolio Management outlined a commonsense template for structuring a well-diversified equity-oriented portfolio. This new edition provides fund managers and students of the market an up-to-date guide for actively managed investment portfolios.
Whether she feels entitled to retire at age 65, hopes she'll be able to stop working someday, or is convinced she'll never be able to retire, every woman will find real help in these pages. With her signature no-nonsense, energetic style, Hunt assures women that it's only too late if they don't start now. She clearly covers every aspect of retirement planning during every season of a woman's life, giving women the confidence they need to shape their futures.
Filled with sample 401(k) portfolios for every stage of life
Invest your 401(k) money wisely and make the most of yourretirement
Want to know what kind of investment mix you need to make yourretirement money grow? Don't know what to do with a 401(k) accountfrom your last job? Worried that your company's 401(k) plan doesn'tcut it? Relax! This simple, plain-English guide shows you how tomanage your accounts, minimize your risks, and maximize yourreturns.
The Dummies Way
* Explanations in plain English
* "Get in, get out" information
* Icons and other navigational aids
* Tear-out cheat sheet
* Top ten lists
* A dash of humor and fun
"The keys that Wes Moss identifies to having a happy retirement are simple but brilliant. Read this book." -- Clark Howard, #1 New York Times bestselling author of Living Large in Lean Times
“Financial planner Wes Moss offers you something different — not just a plan to retire, but a way to do it sooner and to be happy when you do." – Atlanta Journal Constitution
If you think you need to win the lottery or work until you’re 75 to retire with financial stability, Money Matters host Wes Moss has very good news for you. You Can Retire Sooner Than You Think reveals the secrets for ensuring a successful retirement—sooner rather than later.
After conducting an intensive study of happy retirees to learn the financial practices they hold in common, Moss discovered that it doesn't take financial genius, millions of dollars, or sophisticated investment skills to ensure a safe, solid retirement. All it takes is five best practices:Determine what you want and need your retirement money for Figure out how much you need to save Create a plan to pay off your mortgage in as little as five years Develop an income stream from multiple sources Become an income investor
Getting on the fast track to a great retirement is a lot simpler than the retirement professionals would have you believe. You Can Retire Sooner Than You Think provides the proven-effective, five-step formula for creating the retirement of your dreams.
General information about the Social Security Administration, plus additional data about Medicare and SSI (Supplemental Security Insurance) is given. Questions and answers are then divided into categories such as:
Additional questions and answers are also included, relating to:
--Calculations of benefits
--Necessary timelines for application of benefits
Inside are twenty major financial decisions which could profoundly impact your lifestyle over the next forty years. For many retirees, these decisions come as a surprise and must be made hastily without proper consultation. But by reading the expert, commission-free advice in this book, you'll learn how to manage your assets and prepare for the best possible retirement.Do I have enough money to retire now? How will I cover my medical expenses during retirement? When should I begin taking Social Security? How much should I invest in stocks, bonds, and cash? What criteria should I use to identify the best investments? Should I cancel my life insurance policy? Should I pay off my mortgage at retirement?
Ray E. LeVitre is a Certified Financial Planner with nearly twenty years of experience in the financial services industry, working for Fidelity, CitiCorp, Mutual of New York, and Merrill Lynch before starting his own firm. He has been featured in the Chicago Tribune, Money magazine, Newsweek, and Kiplinger's. A fee-only advisor, Ray does not receive commission from any product or service he recommends.
The International Living Guide to Retiring Overseas on aBudget provides a detailed guide to one of the least-known butmost effective retirement strategies in today's chaotic economicenvironment: retiring abroad. The premise is simple: Enjoy ahappier, healthier, more fulfilling retirement than you couldpossibly afford in the U.S. or Canada by finding the right overseasretirement haven. The book reveals those affordable havens and thestrategies for successfully making the move that could save yourretirement. Aimed at retirees and near-retirees in the U.S. andCanada, this book's strategies apply just as well to younger peopleand people with families who are looking for ways to improve theirquality of life while at the same time lowering their cost ofliving. It includes solutions for the challenges of continuing towork and earn money abroad, too.
As long-time contributors to the acknowledged leader in thefield, International Living, authors Suzan Haskins andDan Prescher have at their disposal more than thirty years ofInternational Living experience and expertise in the topic. They'vebeen writing about living overseas for more than 12 years and havecreated their own broad and deep body of work, including regularblogs on the topic for Huffington Post and AARP. The authorsinclude information and strategies that can be successfully appliedby anyone regardless of their political or economic opinions. Foranyone who wants a happier, healthier, more affordable life, TheInternational Living Guide to Retiring Overseas on a Budgetshows you how to enjoy the romance and excitement of living abroadon an affordable budget.
CPA and Attorney Mark J. Kohler answers the leading tax and legal questions facing small business owners, across all stages of business, and delivers a comprehensive playbook of clear-cut truths, thought-provoking advice, and underutilized solutions to save you time, money, and heartache.
You can read this book straight through or as a reference guide—reading the chapters as needed to answer the questions as they arise. You’ll come away wiser and better equipped to make the best decisions for your business, your family, and yourself.
• The ins and outs behind fundamental business decisions
• Underutilized tax and legal strategies that can save you thousands
• Picking the right legal entity for your business
• Common legal scams and deceptions to avoid
• Protecting your assets and planning for retirement
• Issues are illustrated with entertaining, real-world examples
A baby boomer turns fifty every seven seconds, creating what will soon be the largest and most influential senior generation in history. These dynamic seniors have both a desire and a need to continue their working lives past the age when their parents retired.
Boomers have been the primary buyers of more than one million self-employment guides by Paul and Sarah Edwards-and they now have the perfect handbook to take them into the second half of life.
The Best Home Businesses for People 50+ features seventy comprehensive profiles that show how to select, start, run, and build a home-based business suited to the needs, talents, and ideals of the over-fifty generation. Each business listing-for careers ranging in diversity from Makeup Artist to Tax Preparer to Information Broker-addresses the concerns of boomers and seniors, including:
- Businesses that people 50+ can continue working in for 10-15 years.
- Businesses that supplement your retirement income.
- Businesses adaptable to a wide variety of locations.
- Businesses with flexible hours to allow for family, travel, and other priorities.
- Businesses suited to a broad range of health and wellness needs.
Profiles of successful business owners and a treasury of online and easy-to-access resources round out The Best Home Businesses for People 50+ to create an indispensable resource for this new generation of career-oriented seniors.
If you need to wrap up the affairs of a loved one who has died, you may feel overwhelmed—especially when you’re grieving. But you can do it, and this book will show you how.
A roadmap to follow. The Executor’s Guide will lead you through an unfamiliar land of legal procedures and terminology. You’ll learn what to do right away and what can wait. Find help on: • preparing for the job of executor or trustee
• the first steps to take
• claiming life insurance, Social Security and other benefits
• making sense of a will
• what to do if there is no will
• how to determine whether probate is necessary
• filing taxes
• probate court proceedings
• dealing with family members
• handling simple trusts
• working with lawyers, appraisers, accountants, and other experts State-specific information. The 7th edition contains updated tables outlining key points of each state’s laws, the latest information on estate taxes, plus worksheets that help you stay organized.
Applies in all states except Louisiana.
If this sounds like a revolution in financial planning, you got it. So do The New York Times, The Washington Post, The Wall Street Journal, USA Today, Time, Consumer Reports, and other top publications that have been featuring the authors' economics-based "consumption smoothing" approach to financial planning.
Spend 'Til the End substitutes economic wisdom for the "rules of dumb" that currently pass for financial advice. In the process it indicts the investment and financial-planning industry for giving most people saving and insurance targets that are much too high and then convincing them to invest in risky mutual funds and expensive insurance policies. The result is that most people are scrimping and saving during the years when they could be spending and enjoying their money -- and with no sure payoff.
Easy to read, this book is packed with practical and often shocking advice on whether to work, how to pick a career, which job to take, where to live, what sort of house to buy, how much to save, when to retire, which kind of retirement account to use, whether to have kids, whether to divorce, when to take Social Security, how fast to spend down your assets in retirement, and how to invest.
The silver lining is that “who” problems are easily preventable. Based on more than 1,300 hours of interviews with more than 20 billionaires and 300 CEOs, Who presents Smart and Street’s A Method for Hiring. Refined through the largest research study of its kind ever undertaken, the A Method stresses fundamental elements that anyone can implement–and it has a 90 percent success rate.
Whether you’re a member of a board of directors looking for a new CEO, the owner of a small business searching for the right people to make your company grow, or a parent in need of a new babysitter, it’s all about Who. Inside you’ll learn how to
• avoid common “voodoo hiring” methods
• define the outcomes you seek
• generate a flow of A Players to your team–by implementing the #1 tactic used by successful businesspeople
• ask the right interview questions to dramatically improve your ability to quickly distinguish an A Player from a B or C candidate
• attract the person you want to hire, by emphasizing the points the candidate cares about most
In business, you are who you hire. In Who, Geoff Smart and Randy Street offer simple, easy-to-follow steps that will put the right people in place for optimal success.
From the Hardcover edition.
Are You Ready for Your Life Reimagined Moment?
Are you at a point in your life where you're asking, “What's next?” You've finished one chapter and you have yet to write the next one. Many of us face these transitions at midlife, but they can happen at any point. It's a time full of enormous potential, and it defines a whole new phase of life. It's called Life Reimagined.
Here is your map to guide you in this new life phase. You can use the powerful practices and insights—enhanced with online tools and exercises at AARP's LifeReimagined.org website—to help you uncover your own special gifts, connect with people who can support you, and explore new directions.
You'll be inspired by meeting ordinary people who have reimagined their lives in extraordinary ways. You'll also read the stories of pioneers of the Life Reimagined movement such as Jane Pauley, James Brown, and Emilio Estefan. They show us that this journey of discovery can help us find fulfillment in surprising new places.
One of the profound truths that underlies this book is the liberating notion that each of us is “an experiment of one,” free to find our own path in this new phase of our lives. No old rules, no outdated societal norms, no boundaries of convention or expectation. Let Life Reimagined help you discover your new life possibilities!
? Achieve unlimited tax-free income after retirement and keep assets in the family
? Protect retirement funds from creditors, divorce, bankruptcy, lawsuits, or other problems that could expose it to loss
? Use a Roth IRA to build a tax-free fortune Slott's three-step strategy cuts through the tax laws and provides simple, easy-to-follow instructions for managing IRAs and other retirement income.
IF YOU ARE IN YOUR 20s OR 30s: Your Money Ratios will tell you how to get started and what you need to do over the next 35 years to stay on track. If you are lucky enough to read this book when you are young, you will have a clear vision for where you need to go throughout your working career. By setting yourself on the right path, you won’t have to work so hard later in life to meet your goals.
IF YOU ARE IN YOUR 40s: You can benchmark your own financial circumstances against the ratios and see how you are doing with respect to your savings, debt, investments and insurance. You have plenty of time to make adjustments if necessary and plot out your path to retirement.
IF YOU ARE IN YOUR 50s: The formula will provide you with a realistic assessment of your ability to retire. It will help you make the important decisions about how to allocate your financial resources over the next 10 to 15 years, and how to put on the final push for retirement.
Whether you're a manger looking to implement employee appraisalsfor the first time, concerned with improving the quality andeffectiveness of the appraisal process, or simply trying to savetime and mental anguish Performance Appraisals & Phrases ForDummies provides the tools you need to save time and energywhile presenting fair and accurate evaluations that foster employeegrowth.
This convenient, portable package includes a full-lengthappraisal phrasebook featuring over 3,200 spot-on phrases andplenty of quick-hitting expert tips on making the most out of theprocess. You'll also receive online access to writable,customizable sample evaluation forms other timesavingresources.Includes more than 3,200 phrases for clear, and helpfulevaluationsHelps make evaluations faster, more effective, and far lessstressfulOffers far more advice and coaching than other performanceappraisal booksServes as an ideal guide for managers new to the appraisalprocess
With expert advice from Ken Lloyd, a nationally recognizedconsultant and author, Performance Appraisals and Phrases ForDummies makes the entire process easier, faster, and moreproductive for you and your employees.
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.
There are three things you need to do to retire early: 1) Manage your expenses and reduce or eliminate debt, 2) accumulate capital, and 3) save and invest wisely. It is easy, but requires patience and self-control, and with the guidance of this new book you will be on your way to achieving this goal.
You will learn how to take control of your life, set realistic long-term goals, choose appropriate lifestyle trade-offs, and learn effective savings techniques and simple investing strategies. You will learn how to calculate how much you need to retire early, get the most from your investment portfolio, reduce your taxes, use retirement planning tools, increase your income while retired, reduce living expenses, deal with inflation and deflation, and calculate social security and pension payments. This book will be your road map to turn the dream of early retirement into reality.
Atlantic Publishing is a small, independent publishing company based in Ocala, Florida. Founded over twenty years ago in the company presidentâe(tm)s garage, Atlantic Publishing has grown to become a renowned resource for non-fiction books. Today, over 450 titles are in print covering subjects such as small business, healthy living, management, finance, careers, and real estate. Atlantic Publishing prides itself on producing award winning, high-quality manuals that give readers up-to-date, pertinent information, real-world examples, and case studies with expert advice. Every book has resources, contact information, and web sites of the products or companies discussed.
You may not be a millionaire now or in six months, but you can become one if you change your mindset and adopt proven financial strategies that have helped countless others become true millionaires.
There's no need to live frugally to achieve financial freedom in the future. Instead, you should focus on making smart choices based on your personal needs and wants. Of course, you can't avoid spending some money but you'll want to figure out how to put aside funds and accumulate wealth for later years.
Based on advice from the acclaimed newsletter, The Franklin Prosperity Report, you will learn how to:
• Maximize your Social Security income
• Make money in real estate without risking your investment
• Reduce your income tax payments
• Acquire income-producing dividend stocks
• Start your own business
It's the end of work as we know it. Career paths look nothing like they did in the days before phones got smart. We work more hours at more jobs for more years than ever before. So it's vital that we know how to find work that allows us to remain true to who we are in the deepest sense, work that connects us to something larger than ourselves—in short, our “calling.” We all have one, and bestselling authors Richard Leider and David Shapiro can help you uncover yours.
Through a unique Calling Card exercise that features a guided exploration of fifty-two “natural preferences” (such as Advancing Ideas, Doing the Numbers, Building Relationships, and Performing Events), Leider and Shapiro give us a new way to uncover our gifts, passions, and values and find work that expresses them. Along the way, they mix in dozens of inspiring true stories about people who have found, or are in the process of finding, their own callings.
Uncovering your calling enables you to experience fulfillment in all aspects and phases of your life. And here's the even better news: you'll never have to work again. When you choose to do what you are called to do, you're always doing what you want to do. Work Reimagined offers an enlightening, effective, and entertaining approach to discovering what you were born to do, no matter your age or stage of life.
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.