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OVER 300,000 COPIES IN PRINT, WITH A NEW CHAPTER ON THE 2018 TAX CUTS. There's a massive freight train bearing down on the average American investor, and it's coming in the form of higher taxes. The United States Government has made trillions of dollars in unfunded promises for programs like Social Security and Medicare—and the only way to deliver on these promises is to raise taxes. Some experts have even suggested that tax rates will need to double, just to keep our country solvent. Unfortunately, if you're like most Americans, you've saved the majority of your retirement assets in tax-deferred vehicles like 401(k)s and IRAs. If tax rates go up, how much of your hard-earned money will you really get to keep? In The Power of Zero, McKnight provides a concise, step-by-step roadmap on how to get to the 0% tax bracket by the time you retire, effectively eliminating tax rate risk from your retirement picture. Now, in this expanded edition, McKnight has updated the book with a new chapter on the 2017 Tax Cuts and Jobs Act, showing readers how to navigate the new tax law, and how they can extend the life of their retirement savings by taking advantage of it now. The day of reckoning is fast approaching. Are you ready to do what it takes to experience the power of zero?
Fully UPDATED for 2018 and the NEW TAX LAW. Mark J. Orr has been a practicing Certified Financial Planner(tm) (CFP(r)) since July 2000 for clients across the country and has also earned the RICP(r) designation (Retirement Income Certified Professional). His financial planning practice is centered on the firm beliefs that 1) people should not pay a dime more in taxes that the law requires... 2) nor should they take an ounce more risk than they need to in order to reach their financial goals. Get Me to ZERO(tm) describes seven synergistic tax strategies to help Americans legally get their future assets and cash-flow off the IRS's radar screen and pay as little as ZERO income taxes during retirement - while simultaneously slashing their investment risks. This book fully explains how implementing these proven tax strategies can offer up to 20%-40% more spendable retirement income than traditional 401Ks, TSPs, 403Bs and IRAs. Judge Learned Hand said, "Anyone may arrange his affairs so that his taxes shall be as low as possible; he is not bound to choose that pattern which best pays the treasury. There is not even a patriotic duty to increase one's taxes. Over and over again the Courts have said that there is nothing sinister in so arranging affairs as to keep taxes as low as possible. Everyone does it, rich and poor alike and all do right, for nobody owes any public duty to pay more than the law demands". That, in a nutshell is the legal basis for the Get Me to ZERO(tm) strategy - proactively and systematically arranging our financial affairs so that our future income taxes will be as low as possible. The whole aim of the Get Me to ZERO(tm) strategy is to make as much of your retirement cash-flow legally "invisible" to the IRS using the full tax code. And the more sources of "invisible" retirement cash-flow - the better. This book is not about tax loopholes! Author Tom Wheelwright, CPA says, "After all, the tax law is really a map - a treasure map. As you follow this map, your taxes go down". If we can't eliminate future income taxes in retirement, we at least want to minimize them by becoming fully informed and proactively using the tax code as it is written and intended. Using the letter and the spirit of our current and longstanding tax laws for future legal "tax avoidance"... NOT "tax evasion" is simply being tax savvy. Whose retirement are you planning for, YOURS... OR Uncle Sams? Wall Street doesn't like the TRIPLE ZERO(tm) plan at all, nor they have embraced ROTH conversions (or even ROTH contributions). Why doesn't Wall Street like ROTH conversions? Because when you convert a traditional IRA to a ROTH, income taxes get paid to the IRS and perhaps your state. That reduces the amount left that Wall Street (your broker or advisor) can make money on (fees and commissions). ROTH conversions give them a 20%-45% pay cut! Showing people how to implement a holistic and comprehensive planning approach that employs several diverse strategies to help people become more financially confident and secure today, while preparing for an extraordinary retirement is the primary goal of this book. Does your current retirement planning include future income tax planning? Do you have a tax-savvy exit strategy for your traditional retirement investments, so you can spend and enjoy more of your hard-earned savings... and pay the IRS less? A quick look at the Table of Contents and reading the first few pages ought to give you a good idea if this book should be on your reading list. It certainly should be if you would like to reduce your taxes in retirement to the lowest amount allowed by law, avoid taxation of your Social Security and enhance you're your overall financial position both today and tomorrow. Pay the IRS less. Keep more and have a better life!
"A ... new philosophy and ... guide to getting the most out of your money--and out of life--for those who value memorable experiences as much as their earnings"--
A New York Times Editor’s Choice As a young girl, Katya Geller learned from her mother that math was the answer to everything. Now, approaching forty, she finds this wisdom tested: she has lost the love of her life, she is in the middle of a divorce, and has just found out that her mother is dying. Nothing is adding up. With humor, intelligence, and unfailing honesty, Katya traces back her life’s journey: her childhood in Soviet Russia, her parents’ great love, the death of her father, her mother’s career as a renowned mathematician, and their immigration to the United States. She is, by turns, an adrift newlywed, an ESL teacher in an office occupied by witches and mediums, a restless wife, an accomplished writer, a flailing mother of two, a grieving daughter, and, all the while, a woman caught up in the most common misfortune of all—falling in love. Award-winning author Lara Vapnyar delivers an unabashedly frank and darkly comic tale of coming of age in middle age. Divide Me by Zerois almost unclassifiable—a stylistically original, genre-defying mix of classic Russian novel, American self-help book, Soviet math textbook, sly writing manual, and, at its center, a universal story with unforgettable lessons for us all.
When you’re a new parent, the miracle of life might not always feel so miraculous. Maybe your latest 2:00 a.m., 2:45 a.m., and 3:30 a.m. wake-up calls have left you wondering how “sleep like a baby” ever became a figure of speech—and what the options are for restoring your sanity. Or your child just left bite marks on someone, and you’re wondering how to handle it. First-time mom Tracy Cutchlow knows what you’re going through. In Zero to Five: 70 Essential Parenting Tips Based on Science (and What I’ve Learned So Far), she takes dozens of parenting tips based on scientific research and distills them into something you can easily digest during one of your two-minute-long breaks in the day. The pages are beautifully illustrated by award-winning photojournalist Betty Udesen. Combining the warmth of a best friend with a straightforward style, Tracy addresses questions such as: Should I talk to my pregnant belly / newborn? Is that going to feel weird? (Yes, and absolutely.) How do I help baby sleep well? (Start with the 45-minute rule.) How can I instill a love of learning in my child? (By using specific types of praise and criticism.) What will boost my child’s success in school? (Play that requires self-control, like make-believe.) My baby loves videos and cell-phone games. That’s cool, right? (If you play, too.) What tamps down temper tantrums? (Naming emotions out loud.) My sweet baby just hit a playmate / lied to me about un-potting the plant / talked back. Now what? (Choose one of three logical consequences.) How do I get through an entire day of this? (With help. Lots of help.) Who knew babies were so funny? (They are!) Whether you read the book front to back or skip around, Zero to Five will help you make the best of the tantrums (yours and baby’s), moments of pure joy, and other surprises along the totally-worth-it journey of parenting.
Build the financial future you deserve with tax-effective investing The government wants your help, and it's willing to pay handsomely. You just need to know what to do. In The Win-Win Wealth Strategy: 7 Investments the Government Will Pay You to Make, celebrated entrepreneur, investor, and bestselling author Tom Wheelwright, CPA transforms the way you think about building wealth and challenges the paradigm that tax incentives are immoral loopholes. Backed by deep research in 15 countries, he identifies seven investing strategies that are A-OK with governments worldwide and will fatten your wallet while making the world a better place. You’ll learn: How to tax-effectively invest in business, technology, energy, real estate, insurance, agriculture, and retirement accounts How to use tax incentives to help pay for your next car, house, or tuition bill Why “the rich” are not “a drain on society” and, more importantly, how to become one of them An indispensable and startlingly insightful exploration of straightforward investing strategies, The Win-Win Wealth Strategy improves your confidence in tax-effective investing, so you make better decisions with your money and supercharge your family’s generational wealth while creating jobs, developing technology and improving access to food, energy and housing.
For fans of 13 Reasons Why and Girl in Pieces, this is a novel that shows the path to hope and life for a girl with mental illness. Seventeen-year-old Catherine Pulaski knows Zero is coming for her. Zero, the devastating depression born of Catherine’s bipolar disorder, almost triumphed once; that was her first suicide attempt. And so, in an old ballet-shoe box, Catherine stockpiles medications, preparing to take her own life before Zero can inflict his living death on her again. Before she goes, though, she starts a short bucket list. This bucket list, combined with the support of her family, new friends, and a new course of treatment, begins to ease Catherine’s sense of isolation. The problem is, her plan is already in place, and has been for so long that she might not be able to see a future beyond it. This is a story of loss and grief and hope, and how some of the many shapes of love—maternal, romantic, and platonic—affect a young woman’s struggle with mental illness and the stigma of treatment.
The relationship teacher, coach, and founder of The Relationship School reveals the origins of conflict styles, how to stop avoiding difficult conversations, and how to resolve conflict in our most important relationships. Conflicts in our closest relationships are scary because so much is at stake. If the conflict doesn't go well, we could lose our marriage, our family or our job, all connected to our security and survival. So we do just about anything not to lose those relationships, including avoid conflict, betraying ourselves or becoming dishonest. Unresolved conflict affects every single aspect of our lives, from self-confidence to physical and mental health. Jayson Gaddis is a personal trainer for relationships and one of the world’s leading authorities on interpersonal conflict. For almost two decades, Gaddis has helped individuals, couples, and teams get to the bottom of their deepest conflicts. He helps people see the wisdom in conflict and how to get to zero—which means we have successfully worked through our conflict and have nothing in the way of a good connection. In Getting to Zero, Gaddis shows the reader how to stop running away from uncomfortable conversations and instead learn how to work through them. Through funny personal stories, uncomfortable examples, and effective tools and skills, he shows the reader how to move from disconnection to connection, acceptance, and understanding. This method upgrades the old tired and static conflict resolution approaches and offers a fresh, street-level, user-friendly road map on exactly how to work through conflict with the people you care most about.
The follow-up to the bestselling The Power of Zero, providing a blueprint to build a guaranteed, tax-free income stream that lasts for the long run. American retirees face a looming crisis. We are living longer than ever before, and most experts predict a dramatic rise in tax rates within the next ten years. The hard truth is that no matter how much you save, you are likely to outlive your money or watch it be taxed into oblivion. But when traditional retirement distribution strategies won't provide sufficient income in the face of higher taxes, what can you do? Tax-Free Income for Life lays out a comprehensive, step-by-step roadmap for a secure retirement. McKnight shows how the combination of guaranteed, inflation-adjusted lifetime income and a proactive asset-shifting strategy can shield you from longevity risk and the cascade of unintended consequences that result from higher taxes. It's an innovative and proven strategy that maximizes return while effectively neutralizing the two biggest risks to retirement savings. If ever there were a solution for the American retiree, it's guaranteed tax-free income for life.