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The great thing about retirement options today is there are many new and exciting opportunities to choose from. Did you know, for example, that nearly as many 'oldies' are taking gap years as students? And, retirement villages and retirement apartments are now becoming the way of the future. They offer independence, security and 24 hour help, along with many other facilities for older people to enjoy. These developments embrace the concept that growing older doesn't mean compromising on your lifestyle. As with any important decision, retirement choices have to be all about research and the more you know the better off you will be. So take your time and explore all the options, as what you decide to do later, could affect your planning now. CONTENTS: Introduction 1. Young at heart 2. Where to live 3. Travel in retirement 4. Hobbies and learning 5. Retirement overseas - living the dream 6. Health, fitness and looking good 7. Finance 8. Special treats 9. Working and retirement 10. Building your dream retirement home 11. Property development in retirement 12. Taking up a sport 13. Retirement homes and holiday lets 14. Staying put or moving on? Epilogue
Social sciences.
"A startling new philosophy and practical guide to getting the most out of your money-and out of life-for those who value memorable experiences as much as their earnings"--
Written by a practicing emergency physician, The White Coat Investor is a high-yield manual that specifically deals with the financial issues facing medical students, residents, physicians, dentists, and similar high-income professionals. Doctors are highly-educated and extensively trained at making difficult diagnoses and performing life saving procedures. However, they receive little to no training in business, personal finance, investing, insurance, taxes, estate planning, and asset protection. This book fills in the gaps and will teach you to use your high income to escape from your student loans, provide for your family, build wealth, and stop getting ripped off by unscrupulous financial professionals. Straight talk and clear explanations allow the book to be easily digested by a novice to the subject matter yet the book also contains advanced concepts specific to physicians you won't find in other financial books. This book will teach you how to: Graduate from medical school with as little debt as possible Escape from student loans within two to five years of residency graduation Purchase the right types and amounts of insurance Decide when to buy a house and how much to spend on it Learn to invest in a sensible, low-cost and effective manner with or without the assistance of an advisor Avoid investments which are designed to be sold, not bought Select advisors who give great service and advice at a fair price Become a millionaire within five to ten years of residency graduation Use a "Backdoor Roth IRA" and "Stealth IRA" to boost your retirement funds and decrease your taxes Protect your hard-won assets from professional and personal lawsuits Avoid estate taxes, avoid probate, and ensure your children and your money go where you want when you die Minimize your tax burden, keeping more of your hard-earned money Decide between an employee job and an independent contractor job Choose between sole proprietorship, Limited Liability Company, S Corporation, and C Corporation Take a look at the first pages of the book by clicking on the Look Inside feature Praise For The White Coat Investor "Much of my financial planning practice is helping doctors to correct mistakes that reading this book would have avoided in the first place." - Allan S. Roth, MBA, CPA, CFP(R), Author of How a Second Grader Beats Wall Street "Jim Dahle has done a lot of thinking about the peculiar financial problems facing physicians, and you, lucky reader, are about to reap the bounty of both his experience and his research." - William J. Bernstein, MD, Author of The Investor's Manifesto and seven other investing books "This book should be in every career counselor's office and delivered with every medical degree." - Rick Van Ness, Author of Common Sense Investing "The White Coat Investor provides an expert consult for your finances. I now feel confident I can be a millionaire at 40 without feeling like a jerk." - Joe Jones, DO "Jim Dahle has done for physician financial illiteracy what penicillin did for neurosyphilis." - Dennis Bethel, MD "An excellent practical personal finance guide for physicians in training and in practice from a non biased source we can actually trust." - Greg E Wilde, M.D Scroll up, click the buy button, and get started today!
You've worked hard, lived carefully, and saved diligently. You've reached major milestones and accumulated more assets than you dreamed possible, and yet you hesitate. ""Can I retire?"" This book will help answer that question by showing you.... The tools you need to live a secure and independent retirement, without worrying about money What you must know before leaving a career behind How much it will cost you to live in retirement, and how to manage your cash flow The current choices for retirement health care, including lesser-known but effective options The threat from inflation: two secrets that politicians and bankers will never admit A realistic assessment of the impact that income taxes will have on your retirement Social Security's role in your retirement: when you should claim and how much it's worth to you How to construct and manage an investment portfolio for income and growth in retirement About immediate annuities and why you need multiple sources of retirement income The key variables and unknowns in your retirement withdrawal equation Reviews of the best retirement calculators, and tips for how to use them accurately Beyond the simplistic 4% Rule to the latest research on safe withdrawal rates Realistic bracketing of your retirement savings needs, without over caution or overconfidence The history of economic cycles and the related asset classes for optimal retirement security A survey of strategies plus original research for how to orchestrate your retirement distributions A practical "retirement fuel gauge" alerting you to problems while you still have time to act Backup plans: the "lifeboat strategies" for ensuring you'll never be without essential income The 6 crucial questions to answer before you can retire The one, simple, powerful, non-financial reason that you can and should retire earlier than later
Leaving children with a substantial amount of money can be a boon or a burden. High-net-worth parents need to give their children an education to navigate today’s complex world. The question becomes how to raise children with a sense of reality and balance, imparting a strong work ethic, and making them good stewards of their wealth. Kids, Wealth, and Consequences enlightens high-net-worth parents about the unique issues they need to explore. The book addresses the ”hard” financial issues, such as investing and estate planning, as well as the “soft” emotional issues relating to values, family, and communication. Morris and Pearl detail strategies and techniques to help parents raise children who appreciate and know how to manage the wealth they inherit. Richard Morris spent many years working for his family's multimillion dollar business, and learned firsthand the challenges of business ownership and family wealth. Jayne Pearl is an experienced journalist who writes about families, family businesses, and money.
Bestselling author and New Zealand's most trusted financial expert on how to make your money work in the real world Getting richer doesn't just mean accumulating more money. It's about building your knowledge of the different ways money works, so you can navigate around whatever comes your way: family complications, following your dreams, relationship issues, house price fluctuations, being braver in retirement, helping your children - young and older, getting the best mortgage for you, saving too little - or too much! Sometimes the best path to a richer you is to learn from the mistakes and triumphs of others. This book features 184 of those situations, to help make your financial journey smoother and all the more rewarding. 'IF YOU READ ONE BOOK TO HELP YOURSELF FINANCIALLY THIS YEAR, MAKE IT THIS ONE.' - JANE WRIGHTSON, COMMISSION FOR FINANCIAL CAPABILITY
Congratulations! You may have just finished up your student-teaching and landed your first teaching position. You begin to think about your first year with your new students. Student teaching was a great experience, but now you may be searching for answers of how to get started running your own classroom. This practical and inspirational daily guide for teachers was comprised over many years and through interviews of teachers at all grade levels. The collective years of teaching experience interviewed was over 500 years of experience from K-12 educators both in private and public schools across the country! Teaching for God’s Glory is a daily walk with the new teacher to help the new educator plan for their first years of teaching. The first section, Before the School Year Begins, gives practical advice on ways to set up your classroom, communication with parents and students, as well as orienting yourself with your new surroundings. The rest of the year is divided into quarters of the year with applicable and inspiring advice and wisdom that new teachers can use right away in their classrooms. At the end of each school week, there is a place for reflection on what worked well that week, areas for growth, and prayer requests for you or your students. This book makes the perfect gift for those starting their own career in education. Years later, they will be able to look back and reflect on how much they have grown in their craft! Tyler Harms has over a decade of experience serving students and families at the elementary and secondary levels. He graduated from Calvin College with a BA in Education and went on to get two Master’s Degrees in Special Education and Mathematics. Tyler spent many hours interviewing master teachers across the country and reflecting on his own journey as an educator. Teaching for God’s Glory is the book we all wish we had read in college before becoming a teacher. The book gives practical advice and inspiration to those who are in the trenches each day educating our future leaders.
AUTHORS’ DISCLAIMER: We are not in any way experts on parenting children with disabilities. Our goal is simply to share strategies that have worked for each of us in the event it may help those in a similar situation. If you’re different from us (i.e., you are bright or of the perfect persuasion), we advise you not to try the following at home. On a “perfection-preoccupied planet,” sisters Gina and Patty dare to speak up about the frustrations, sadness, and stigmas they face as parents of children with disabilities (one with Asperger’s syndrome, the other with bipolar disorder). This refreshingly frank book, which will alternately make you want to tear your hair out and laugh your head off, should be required reading for parents of disabled children. Shut Up About Your Perfect Kid provides wise and funny advice about how to: • Find a support group—either online or in your community • Ensure that your child gets the right in-school support • Deal with people—be they friends, family members, or strangers—who say or do insensitive things to you or your child • Find fun, safe, and inclusive extracurricular activities for your child • Battle your own grief and seek professional help if you need it • Keep the rest of the family intact in moments of crisis
A revolutionary new argument from eminent Yale Law professor Daniel Markovits attacking the false promise of meritocracy It is an axiom of American life that advantage should be earned through ability and effort. Even as the country divides itself at every turn, the meritocratic ideal – that social and economic rewards should follow achievement rather than breeding – reigns supreme. Both Democrats and Republicans insistently repeat meritocratic notions. Meritocracy cuts to the heart of who we are. It sustains the American dream. But what if, both up and down the social ladder, meritocracy is a sham? Today, meritocracy has become exactly what it was conceived to resist: a mechanism for the concentration and dynastic transmission of wealth and privilege across generations. Upward mobility has become a fantasy, and the embattled middle classes are now more likely to sink into the working poor than to rise into the professional elite. At the same time, meritocracy now ensnares even those who manage to claw their way to the top, requiring rich adults to work with crushing intensity, exploiting their expensive educations in order to extract a return. All this is not the result of deviations or retreats from meritocracy but rather stems directly from meritocracy’s successes. This is the radical argument that Daniel Markovits prosecutes with rare force. Markovits is well placed to expose the sham of meritocracy. Having spent his life at elite universities, he knows from the inside the corrosive system we are trapped within. Markovits also knows that, if we understand that meritocratic inequality produces near-universal harm, we can cure it. When The Meritocracy Trap reveals the inner workings of the meritocratic machine, it also illuminates the first steps outward, towards a new world that might once again afford dignity and prosperity to the American people.