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The 5 Years Before You Retire

Author: Emily Guy Birken
Publisher: Simon and Schuster
ISBN: 1440569738
Size: 27.35 MB
Format: PDF
View: 1833
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A comprehensive guide to planning your retirement before it's too late! Even though half of all Americans put money aside for retirement, it isn't until they reach their sixties that many realize that they haven't saved enough. With The Five Years Before You Retire, you'll hone in on what you need to do in the next five years to maximize your current savings and create a realistic plan for your future. This book guides you through each financial, medical, and familial decision, from taking advantage of the employer match your company offers for your 401k program to enrolling in Medicare to discussing housing options with your family. Covering every aspect of retirement planning, these straightforward strategies explain in detail how you can make the most of your last few years in the workforce and prepare for the future you've always wanted. Whether you just started devising a plan or have been saving since your first job, The Five Years Before You Retire will show you what you need to do now to ensure that you live comfortably for years to come.

Designing Adult Services Strategies For Better Serving Your Community

Author: Ann Roberts
Publisher: ABC-CLIO
ISBN: 1440852553
Size: 14.97 MB
Format: PDF
View: 5415
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Focusing on adult patrons ages 19 through senior citizens, this book explains how libraries can best serve this busy portion of their community's population at different life stages and foster experiences that are "worth the trip"—whether actual or virtual. • Helps librarians make their libraries the go-to places in the community for both information and recreation • Enables librarians to accurately analyze the demographics of their communities and identify the services needed • Offers simple suggestions to help librarians with limited resources provide age-appropriate services • Describes information and resources most likely needed during each life stage, making it easier to target the audience for both programming and publicity

Der Kreidemann

Author: C.J. Tudor
Publisher: Goldmann Verlag
ISBN: 3641214157
Size: 18.15 MB
Format: PDF, Docs
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Alles begann an dem Tag, an dem sie auf den Jahrmarkt gingen. Als der zwölfjährige Eddie den Kreidemann zum ersten Mal traf. Der Kreidemann war es auch, der Eddie auf die Idee mit den Zeichnungen brachte: eine Möglichkeit für ihn und seine Freunde, sich geheime Botschaften zukommen zu lassen. Und erst einmal hat es Spaß gemacht – bis die Figuren sie zur Leiche eines jungen Mädchens führten. Das ist dreißig Jahre her, und Eddie dachte, die Vergangenheit liegt hinter ihm. Dann bekommt er einen Brief, der nur zwei Dinge enthält: ein Stück Kreide und die Zeichnung eines Strichmännchens. Und als die Geschichte beginnt, sich zu wiederholen, begreift Eddie, dass das Spiel nie zu Ende war ...

The Engineer S Career Guide

Author: John A. Hoschette
Publisher: John Wiley & Sons
ISBN: 0470503505
Size: 50.92 MB
Format: PDF, Kindle
View: 3070
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The complete, one-stop career resource guide for engineers, engineering managers, and human resources personnel Every engineer needs strong career-planning strategies in order to survive and get ahead in corporate America. Whether you are a recent graduate, mid-career, or looking ahead to retirement, The Engineer's Career Guide offers proven, commonsense advice for navigating all stages of your engineering career. Packed with real-world tips supported by actual work experiences and examples, this book gives you step-by-step guidance in handling a multitude of career issues. The author draws upon more than three decades of experience to cover every aspect of an engineer's career, helping you build the skills you need to: Develop a career plan that leads to success Successfully transition from university to industry ahead of your peers Improve your job performance and stand out from your peers Deal with difficult people at work, from supervisors to coworkers Negotiate a raise or promotion Recover from a career setback or job loss Get on the fast track for advancement Manage your finances throughout your career Plan for your retirement Learn how corporate America operates and promotes engineers The Engineer's Career Guide is an excellent resource for any practicing engineer or engineering student who is interested in getting ahead in corporate America.

Getting Started In A Financially Secure Retirement

Author: Henry K. Hebeler
Publisher: John Wiley & Sons
ISBN: 0470130423
Size: 35.70 MB
Format: PDF, Kindle
View: 6176
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PRE- AND POST-RETIREMENT PLANNING THAT MAKES SENSE GETTING STARTED IN A FINANCIALLY SECURE RETIREMENT If you want to make the most of your retirement years, you have to seriously think about the retirement lifestyle you want and the path that will get you there. In order to do this, you need reliable retirement information that will allow you to properly chart your course. Nobody knows this better than author Henry Hebeler, who retired from the corporate world more than fifteen years ago--and quickly discovered that much of the retirement planning advice available wasn't helping people accomplish their goals. Now, with Getting Started in a Financially Secure Retirement, Hebeler shares his experience in this field with you and reveals what it really takes to achieve the retirement you want. Written in a straightforward and accessible style, Getting Started in a Financially Secure Retirement dismisses the assumptions that many popular retirement planning methods make and addresses some of today's most important retirement issues, including everything from planning with realistic economic inputs to neglected subjects such as replacement budgeting, reverse dollar cost averaging, and the need for resiliency when encountering surprise events. Filled with in-depth insights, practical advice, and helpful retirement planning tools, Getting Started in a Financially Secure Retirement will allow you to apply Hebeler's proven principles to your own specific situation--whether you're already retired or still working--and make more informed financial decisions as you plan for the years ahead.

How To Retire Happy The 12 Most Important Decisions You Must Make Before You Retire Third Edition

Author: Stan Hinden
Publisher: McGraw Hill Professional
ISBN: 0071712984
Size: 44.11 MB
Format: PDF, Mobi
View: 6514
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"Want excellent insights on retirement planning from a professional who’s actually experienced retirement himself? You’ll get just that from Stan Hinden’s book, How to Retire Happy, now in its third edition. Stan was a Washington Post financial reporter for 20 years, and after he retired, he wrote the Post’s 'Retirement Journal' column for which he was nominated for a Pulitzer Prize. What I like about Stan’s book is that it combines good financial planning information with his story about his own retirement. He’s candid about the mistakes he made and how he’d do things differently with the benefit of hindsight." --Steve Vernon, columnist, CBSMoneyWatch.com “Everyone in the workforce today should read this book!” —Horace B. Deets, former Executive Director, AARP Award-winning Washington Post retirement columnist Stan Hinden’s bestselling How to Retire Happy helps you decide if you can retire now, or whether you have to stay on the job for a few more years. This trusted guide has been fully updated to address the stomachchurning issues created by financial market volatility and the economic recession. Will you have enough money for health care? Do you need—and can you afford—a longterm care policy? How much income can your savings produce? The third edition of How to Retire Happy provides answers to these questions—plus all-new information about: A new menu of Medigap insurance policies New strategies for maximizing Social Security income Making your money last through a long retirement Apply Hinden’s reliable, easy-to-understand advice and experience a happy, healthful retirement for years and years to come.

Personal Financial Planning

Author: Lawrence J. Gitman
Publisher: Cengage Learning
ISBN: 128563313X
Size: 65.14 MB
Format: PDF, Mobi
View: 5981
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Knowing what to do with your money is more important than ever. Gitman/Joehnk/Billingsley’s market-leading PERSONAL FINANCIAL PLANNING, 13E, provides students with the tools, techniques, and understanding they need to define and achieve their financial goals. The book follows a life-cycle approach--addressing financial plans, assets, credit, insurance, investment, and retirement--as individuals and families progress through life. The latest updates reflect the most recent financial developments and research--from new tax laws and the latest financial data to professional financial advice that considers the impact of the recent global financial crisis. The 13th edition is packed with new information relevant to today’s students--for example, changing spending habits for the better, knowing the right questions to ask a financial adviser, using tips on budgeting and planning for retirement, knowing what to look for when choosing a bank, knowing whether to buy or lease a car, knowing what’s important when buying your first home, and choosing the right credit card. All-new features teach you to use today’s critical financial tools and technology, including financial planning software. CFP practice questions provide valuable practice. The CengageNOW online learning system helps you complete your homework and achieve the grade you want. Important Notice: Media content referenced within the product description or the product text may not be available in the ebook version.

Making Social Security Work For You

Author: Emily Guy Birken
Publisher: Simon and Schuster
ISBN: 1440593388
Size: 34.48 MB
Format: PDF, Mobi
View: 7090
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Featured in The Washington Post An up-to-date guide to getting the most out of Social Security under the new regulations that took effect on April 29, 2016. Despite reports of Social Security's impending bankruptcy, Social Security remains an important part of most Americans' retirement plans. But will it be enough? Making Social Security Work for You teaches you what you need to know about Social Security retirement benefits and the options you can choose to help meet your retirement goals. In straightforward, easy-to-understand language, this compact guide provides advice on the advantages and disadvantages of delaying benefits as well as the best ways to maximize your benefits depending on your financial or marital situation. Featuring a glossary of terms to help you better understand Social Security jargon; a full explanation on how the system works under the new regulations that took effect on April 29, 2016; and practical, actionable advice on how and when to save additional retirement funds, this book shows you how to make your retirement the best it can possibly be. "Guy Birken brings her breezy style to explaining a system that can be mind-numbing." --The Washington Post

Plan Your Prosperity

Author: Kenneth L. Fisher
Publisher: John Wiley & Sons
ISBN: 1118516095
Size: 34.86 MB
Format: PDF, ePub, Mobi
View: 4850
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Whether you’re in retirement, just getting ready toretire, or 5, 10, or 40 years out, this book can help you investsmarter your whole life and yes, plan better forretirement. Harmful mythology abounds about retirement investing.Many retirees or soon-to-be retirees have heard a plethora ofadvice. Take 100 (or 120) and subtract your age to get your equityallocation, put the rest in bonds or cash. Buy only bonds.Buy only high dividend stocks. Or some combination! Buyequity-indexed annuities or some “guaranteed” incomeproduct. All examples of a potentially harmful myth many folksbelieve to be smart, strategic moves. Investors believe preparing for retirement requires a radicallydifferent set of tools or a dizzying array of products. Navigatingthe world of retirement products and services can be a full-timejob. But investing for retirement is, in practice, not much (if atall) different from investing. In Your Retirement Plan, KenFisher will give readers a workable strategy to either developtheir own retirement investing plan or work more successfully witha professional to increase the likelihood of achieving long-termgoals while avoiding common pitfalls. The book will includeeasy-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 retirementgoals What pitfalls to avoid And more. . . . In this retirement planning book that's not just for retirees,Fisher will hand readers the tools and confidence they need tobetter plan for the future.