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Author: Laurence J. Kotlikoff
Publisher: Simon and Schuster
Published: 2015-02-17
Total Pages: 336
ISBN-13: 1476772290
DOWNLOAD EBOOK →Helps those nearing retirement make the best decisions about their Social Security benefits by detailing techniques and options like “file and suspend” and “start stop start” to maximize their benefit income for a variety of different life situations.
Author: Philip Moeller
Publisher: Simon and Schuster
Published: 2016-10-04
Total Pages: 304
ISBN-13: 1501124013
DOWNLOAD EBOOK →A coauthor of the New York Times bestselling guide to Social Security Get What’s Yours authors an essential companion to explain Medicare, the nation’s other major benefit for older Americans. Learn how to maximize your health coverage and save money. Social Security provides the bulk of most retirees’ income and Medicare guarantees them affordable health insurance. But few people know what Medicare covers and what it doesn’t, what it costs, and when to sign up. Nor do they understand which parts of Medicare are provided by the government and how these work with private insurance plans—Medicare Advantage, drug insurance, and Medicare supplement insurance. Do you understand Medicare’s parts A, B, C, D? Which Part D drug plan is right and how do you decide? Which is better, Medigap or Medicare Advantage? What do you do if Medicare denies payment for a procedure that your doctor says you need? How do you navigate the appeals process for denied claims? If you’re still working or have a retiree health plan, how do those benefits work with Medicare? Do you know about the annual enrollment period for Medicare, or about lifetime penalties for late enrollment, or any number of other key Medicare rules? Health costs are the biggest unknown expense for older Americans, who are turning sixty-five at the rate of 10,000 a day. Understanding and navigating Medicare is the best way to save health care dollars and use them wisely. In Get What’s Yours for Medicare, retirement expert Philip Moeller explains how to understand all these important choices and make the right decisions for your health and wealth now—and for the future.
Author: Laurence Kotlikoff
Publisher: Little, Brown Spark
Published: 2022-01-04
Total Pages: 283
ISBN-13: 0316541877
DOWNLOAD EBOOK →Increase your spending power, enhance your standard of living, and achieve financial independence with this “must-read” guide to money management (Jane Bryant Quinn). Laurence Kotlikoff, one of our nation’s premier personal finance experts and coauthor of the New York Times bestseller Get What’s Yours: The Secrets to Maxing Out Your Social Security, harnesses the power of economics and advanced computation to deliver a host of spellbinding but simple money magic tricks that will transform your financial future.Each trick shares a basic ingredient for financial savvy based on economic common sense, not Wall Street snake oil. Money Magic offers a clear path to a richer, happier, and safer financial life. Whether you’re making education, career, marriage, lifestyle, housing, investment, retirement, or Social Security decisions, Kotlikoff provides a clear framework for readers of all ages and income levels to learn tricks like: How to choose a career to maximize your lifetime earnings (hint: you may want to consider picking up a plunger instead of a stethoscope). How to buy a superior education on the cheap and graduate debt-free. Why it’s smarter to cash out your IRA to pay off your mortgage. Why delaying retirement for two years can reap dividends and how to lower your average lifetime tax bracket. Money Magic’s most powerful act is transforming your financial thinking, explaining not just what to do, but why to do it. Get ready to discover the economics approach to financial planning—the fruit of a century’s worth of research by thousands of cloistered economic wizards whose now-accessible collective findings turn conventional financial advice on its head. Kotlikoff uses his soft heart, hard nose, dry wit, and flashing wand to cast a powerful spell, leaving you eager to accomplish what you formerly dreaded: financial planning.
Author: Mike Piper
Publisher: Simple Subjects
Published: 2017-03-01
Total Pages: 130
ISBN-13: 9780997946512
DOWNLOAD EBOOK →Find all of the following, explained in plain-English: How your Social Security retirement benefits, spousal benefits, and widow/widower benefits are calculated How your benefits are affected if you have a government pension or if you continue working while claiming Social Security How to decide when is the best age for you (and your spouse, if you're married) to claim Social Security in order to get the most out of your benefits Whether or not it makes sense to take Social Security early in order to invest the money How to check your earnings record on the Social Security Administration's website to make sure you're getting the full benefit you deserve How Social Security benefits are taxed and how this affects retirement tax planning Please note that this book does not cover Social Security disability benefits or Supplemental Security Income (SSI).
Author: Rachel Botsman
Publisher: Harper Collins
Published: 2010-09-14
Total Pages: 310
ISBN-13: 0062014056
DOWNLOAD EBOOK →“Amidst a thousand tirades against the excesses and waste of consumer society, What’s Mine Is Yours offers us something genuinely new and invigorating: a way out.” —Steven Johnson, author of The Invention of Air and The Ghost Map A groundbreaking and original book, What’s Mine is Yours articulates for the first time the roots of "collaborative consumption," Rachel Botsman and Roo Roger's timely new coinage for the technology-based peer communities that are transforming the traditional landscape of business, consumerism, and the way we live. Readers captivated by Chris Anderson’s The Long Tail, Van Jones’ The Green Collar Economy or Malcolm Gladwell’s The Tipping Point will be wowed by this landmark contribution to the evolving ecology of commerce and sustainability.
Author: Laurence J. Kotlikoff
Publisher: Simon and Schuster
Published: 2008-06-10
Total Pages: 337
ISBN-13: 1416579672
DOWNLOAD EBOOK →Rich or poor, young or old, high school or college grad, this book, written by economist Laurence J. Kotlikoff and syndicated financial columnist Scott Burns, can change your life for the better! If you follow the advice in this book, it will raise your living standard (possibly by a lot), improve your lifestyle, and help you spend 'til the end. And it will completely transform your financial thinking, turning every bit of conventional financial wisdom on its head. 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.
Author: Laurence J. Kotlikoff
Publisher: MIT Press
Published: 2005-01-18
Total Pages: 279
ISBN-13: 0262250152
DOWNLOAD EBOOK →How to avoid a fiscal crisis in the next generation— and how to protect yourself if the government acts too late: policy recommendations and individual strategies to protect against skyrocketing tax rates, drastically reduced health and retirement benefits, high inflation, and a ruined currency. In 2030, as 77 million baby boomers hobble into old age, walkers will outnumber strollers; there will be twice as many retirees as there are today but only 18 percent more workers. How will America handle this demographic overload? How will Social Security and Medicare function with fewer working taxpayers to support these programs? According to Laurence Kotlikoff and Scott Burns, if our government continues on the course it has set, we'll see skyrocketing tax rates, drastically lower retirement and health benefits, high inflation, a rapidly depreciating dollar, unemployment, and political instability. The government has lost its compass, say Kotlikoff and Burns, and the current administration is heading straight into the coming generational storm. But don't panic. To solve a problem you must first understand it. Kotlikoff and Burns take us on a guided tour of our generational imbalance, first introducing us to the baby boomers—their long retirement years and "the protracted delay in their departure to the next world." Then there's the "fiscal child abuse" that will double the taxes paid by the next generation. There's also the "deficit delusion" of the under-reported national debt. And none of this, they say, will be solved by any of the popularly touted remedies: cutting taxes, technological progress, immigration, foreign investment, or the elimination of wasteful government spending. So how can the United States avoid this demographic/fiscal collision? Kotlikoff and Burns propose bold new policies, including meaningful reforms of Social Security, and Medicare. Their proposals are simple, straightforward, and geared to attract support from both political parties. But just in case politicians won't take the political risk to chart a new direction, Kotlikoff and Burns also offer a "life jacket"—guidelines for individuals to protect their financial health and retirement. This paperback edition of The Coming Generational Storm has been revised and updated and includes a new foreword by the authors.
Author: Naima Coster
Publisher: Hachette UK
Published: 2021-03-04
Total Pages: 288
ISBN-13: 1398703354
DOWNLOAD EBOOK →'What's Mine and Yours is a book about parents who try and fail and then try again. An extraordinary cast of characters, nuanced and full of insight. Read this book.' -ANGIE CRUZ, author of Dominicana In the Piedmont of North Carolina, two families' paths become unexpectedly intertwined over twenty years. Jade and Lacey May are two mothers determined to give their children the opportunities they never had. After a harrowing loss, Jade wants to hand down the tools her son, Gee, will need to survive in America as a sensitive young Black man. Meanwhile, Lacey May, having left the husband she loves, strives to protect her three half-Latina daughters from their charming father's influence. When a county initiative draws students from the largely Black east side of town into a predominantly white high school on the west, each mother stands on different sides of the integration debate. Gee meets Lacey May's daughter Noelle during the school play, and their families begin to form deeply knotted, messy ties that will shape the trajectory of their adult lives. And their mothers make choices that will haunt them for decades to come. What's Mine and Yours is an expansive yet intimate multigenerational tapestry of motherhood, identity, and the legacies we inherit. It explores the unique organism that is every family: what breaks them apart and how they come back together.
Author: Simon Sinek
Publisher: Penguin
Published: 2017-09-05
Total Pages: 258
ISBN-13: 0143111728
DOWNLOAD EBOOK →Start With Why has led millions of readers to rethink everything they do – in their personal lives, their careers and their organizations. Now Find Your Why picks up where Start With Why left off. It shows you how to apply Simon Sinek’s powerful insights so that you can find more inspiration at work -- and in turn inspire those around you. I believe fulfillment is a right and not a privilege. We are all entitled to wake up in the morning inspired to go to work, feel safe when we’re there and return home fulfilled at the end of the day. Achieving that fulfillment starts with understanding exactly WHY we do what we do. As Start With Why has spread around the world, countless readers have asked me the same question: How can I apply Start With Why to my career, team, company or nonprofit? Along with two of my colleagues, Peter Docker and David Mead, I created this hands-on, step-by-step guide to help you find your WHY. With detailed exercises, illustrations, and action steps for every stage of the process, Find Your Why can help you address many important concerns, including: * What if my WHY sounds just like my competitor’s? * Can I have more than one WHY? * If my work doesn’t match my WHY, what should I do? * What if my team can’t agree on our WHY? Whether you've just started your first job, are leading a team, or are CEO of your own company, the exercises in this book will help guide you on a path to long-term success and fulfillment, for both you and your colleagues. Thank you for joining us as we work together to build a world in which more people start with WHY. Inspire on! -- Simon
Author: Stephanie Scott
Publisher: Anchor
Published: 2020-06-23
Total Pages: 352
ISBN-13: 0385544715
DOWNLOAD EBOOK →"Each chapter of this enrapturing novel is elegantly brief and charged with barely contained emotion." --New York Times Book Review A gripping debut set in modern-day Tokyo and inspired by a true crime, for readers of Everything I Never Told You and The Perfect Nanny, What's Left of Me Is Yours charts a young woman's search for the truth about her mother's life--and her murder. In Japan, a covert industry has grown up around the "wakaresaseya" (literally "breaker-upper"), a person hired by one spouse to seduce the other in order to gain the advantage in divorce proceedings. When Satō hires Kaitarō, a wakaresaseya agent, to have an affair with his wife, Rina, he assumes it will be an easy case. But Satō has never truly understood Rina or her desires and Kaitarō's job is to do exactly that--until he does it too well. While Rina remains ignorant of the circumstances that brought them together, she and Kaitarō fall in a desperate, singular love, setting in motion a series of violent acts that will forever haunt her daughter's life. Told from alternating points of view and across the breathtaking landscapes of Japan, Stephanie Scott exquisitely renders the affair and its intricate repercussions. As Rina's daughter, Sumiko, fills in the gaps of her mother's story and her own memory, Scott probes the thorny psychological and moral grounds of the actions we take in the name of love, asking where we draw the line between passion and possession.
