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Retirement planning guidebook: navigatin, Wade Pfau, Pfau


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Цена: 27540.00T
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Автор: Wade Pfau, Pfau
Название:  Retirement planning guidebook: navigatin
ISBN: 9781945640094
Классификация:


ISBN-10: 194564009X
Обложка/Формат: Paperback
Страницы: 476
Вес: 0.63 кг.
Дата издания: 07.09.2021
Серия: The retirement researcher`s guide series
Язык: English
Иллюстрации: Illustrations, unspecified
Размер: 22.86 x 15.24 x 2.44 cm
Читательская аудитория: General (us: trade)
Подзаголовок: Navigating the important decisions for retirement success
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Поставляется из: США
Описание:

The Retirement Planning Guidebook helps you navigate through the important decisions to prepare for your best retirement. You will have the detailed knowledge and understanding to make smart retirement decisions:

- Understand your personal retirement income style, which can then help you navigate through the conflicting opinions about retirement strategies to choose your right path.

- Learn about investment and insurance tools that may best resonate with your personal style.

- Determine if you are financially prepared for retirement by quantifying your financial goals (annual spending, legacy, and reserves for the unexpected) and comparing them to your available assets.

- Make smart decisions for when to start Social Security benefits, which could potentially support an additional $100,000 or more of lifetime income from Social Security.

- Develop a plan for making the best initial and ongoing choices from the alphabet soup of Medicare options, as well as how to find health coverage if you retire before Medicare eligibility.

- Assess where you wish to live in retirement and whether there are helpful ways to incorporate housing wealth into your retirement strategy.

- Decide how to manage your long-term care risk between self-funding, Medicaid, or private insurance, and take steps to support living at home for as long as possible.

- Understand how to manage your taxes to pay less, to avoid common pitfalls, and to have more for your lifetime and your legacy. You will be able to apply tax diversification, asset location, tax bracket management, and Roth conversions to enhance the sustainability of your retirement assets.

- Get your finances organized and understand how to get your estate and incapacity planning documents in order, including your will, account titling, beneficiary designations, financial power of attorney, and advance health care directives.

- Identify whether there is a role for trusts in your estate plan for reasons related to avoiding probate, controlling how and when assets are disbursed, obtaining creditor protections, or helping to manage estate taxes.

- Prepare for the non-financial aspects of retirement, including the need to find purpose and passion, to understand if there is a role for work in retirement, to enhance relationships and social connections, and to maintain an active and healthy lifestyle.

Retirement has an entire vocabulary associated with it. Well demystify the 4% rule, sequence-of-return risk, time segmentation and buckets, reverse mortgages, income annuities, variable annuities, fixed index annuities, long-term care insurance, living trusts, irrevocable trusts, budgeting, the funded ratio, Medicare Advantage, Medicare supplements, diversified investment portfolios, Roth conversions, the hazards of the Social Security tax torpedo and increased Medicare premiums, buffer assets, 401(k) plans and IRAs, the rollover decision, distribution options for defined-benefit company pensions, required minimum distributions, qualified charitable distributions, aging in place, cognitive decline, and so much more.

The Retirement Planning Guidebook does not let important matters fall through the cracks. This is a comprehensive look at the key retirement decisions to achieve financial and non-financial success. You will have the foundation to make the most of your retirement years, and I hope youll be able to do something great!


A Matter of Complexity: Subordination in Sign Languages

Автор: Roland Pfau, Markus Steinbach, Annika Herrmann
Название: A Matter of Complexity: Subordination in Sign Languages
ISBN: 1501511335 ISBN-13(EAN): 9781501511332
Издательство: Walter de Gruyter
Цена: 123910.00 T
Наличие на складе: Есть у поставщика Поставка под заказ.
Описание: Since natural languages exist in two different modalities – the visual-gestural modality of sign languages and the auditory-oral modality of spoken languages – it is obvious that all fields of research in modern linguistics will benefit from research on sign languages. Although previous studies have provided important insights into a wide range of phenomena of sign languages, there are still many aspects of sign languages that have not yet been investigated thoroughly. The structure of subordinated clauses is a case in point. The study of these complex syntactic structures in the visual-gestural modality adds to our understanding of linguistic variation in the domain of subordination. Moreover, it offers new empirical and theoretical evidence concerning possible structures and functions of subordination in natural languages. And last but not least, it answers the question to what extent the corresponding morphosyntactic and prosodic strategies depend on the modality of articulation and perception. This volume represents the first collection of papers by leading experts in the field investigating topics that go beyond the analysis of simple clauses. It thus contributes in innovative ways to recent debates about syntax, prosody, semantics, discourse structure, and information structure and their complex interrelation.

Last word is love

Автор: Pfau, Ruth
Название: Last word is love
ISBN: 0824523695 ISBN-13(EAN): 9780824523695
Издательство: Неизвестно
Рейтинг:
Цена: 21110.00 T
Наличие на складе: Есть у поставщика Поставка под заказ.
Описание: From Karachi to Islamabad, Dr. Pfau fights to heal leprosy, criss-crosses wild mountain ranges, operates in 100 degrees, and risks friendship where the world drops bombs.

Medieval Communities and the Mad: Narratives of Crime and Mental Illness in Late Medieval France

Автор: Pfau Aleksandra Nicole
Название: Medieval Communities and the Mad: Narratives of Crime and Mental Illness in Late Medieval France
ISBN: 9462983356 ISBN-13(EAN): 9789462983359
Издательство: NBN International
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Цена: 156290.00 T
Наличие на складе: Нет в наличии.
Описание: This book analyses the collaboration between local communities and greater authorities in medieval France which grants us unusual insight into the period`s concept of madness.

School Fundraising: So Much More Than Cookie Dough

Автор: Englund Sandra Pfau
Название: School Fundraising: So Much More Than Cookie Dough
ISBN: 0997087803 ISBN-13(EAN): 9780997087802
Издательство: Неизвестно
Цена: 13790.00 T
Наличие на складе: Есть у поставщика Поставка под заказ.
Описание:

In School Fundraising: So Much More than Cookie Dough, Sandra Pfau Englund, Esq. turns her 20+ years of experience working with nonprofit groups into a comprehensive, easy-to-read, guide to the profits to be made - and the pitfalls to avoid - volunteering for your school's fundraising group. It's More than Cookie Dough is a must-have book for school administrators who work with the fundraising groups, and the for the volunteers who manage them.

School Fundraising: So Much More than Cookie Dough includes:

  • More than 50 quick takeaways summarizing the do's and don'ts of school fundraising
  • Over 20 "recipes for success" containing Sandy's insider tips for avoiding the pitfalls of starting and maintaining a school booster club, including how to get IRS 501(c)(3) status, what to if your group gets its exemption revoked, or you find out the booster club has never filed taxes
  • Appendices chock full of sample documents and guidelines, form donation letters and receipts, budget worksheets and suggested financial

The book's companion website, www.morecookiedough.com, provides even more tools, tips and bonus material to make managing school fundraising groups easier than ever before.


Rescue Me: Your Step-By-Step Guide to Starting an Animal Rescue

Автор: Englund Sandra Pfau
Название: Rescue Me: Your Step-By-Step Guide to Starting an Animal Rescue
ISBN: 099708782X ISBN-13(EAN): 9780997087826
Издательство: Неизвестно
Цена: 13750.00 T
Наличие на складе: Есть у поставщика Поставка под заказ.

SignGram Blueprint: A Guide to Sign Language Grammar Writing

Автор: Josep Quer, Carlo Cecchetto, Caterina Donati, Carlo Geraci, Meltem Kelepir, Roland Pfau, Markus Steinbach
Название: SignGram Blueprint: A Guide to Sign Language Grammar Writing
ISBN: 1501518968 ISBN-13(EAN): 9781501518966
Издательство: Walter de Gruyter
Рейтинг:
Цена: 48290.00 T
Наличие на складе: Есть у поставщика Поставка под заказ.
Описание: We gratefully acknowledge the financial support of COST (European Cooperation in Science and Technology), funded by the Horizon 2020 Framework Programme of the European Union. Current grammatical knowledge about particular sign languages is fragmentary and of varying reliability, and it appears scattered in scientific publications where the description is often intertwined with the analysis. In general, comprehensive grammars are a rarity. The SignGram Blueprint is an innovative tool for the grammar writer: a full-fledged guide to describing all components of the grammars of sign languages in a thorough and systematic way, and with the highest scientific standards. The work builds on the existing knowledge in Descriptive Linguistics, but also on the insights from Theoretical Linguistics. It consists of two main parts running in parallel: the Checklist with all the grammatical features and phenomena the grammar writer can address, and the accompanying Manual with the relevant background information (definitions, methodological caveats, representative examples, tests, pointers to elicitation materials and bibliographical references). The areas covered are Phonology, Morphology, Lexicon, Syntax and Meaning. The Manual is endowed with hyperlinks that connect information across the work and with a pop-up glossary. The SignGram Blueprint will be a landmark for the description of sign language grammars in terms of quality and quantity.

Автор: Roland Pfau, Markus Steinbach, Bencie Woll
Название: Sign Language: An International Handbook
ISBN: 3112146727 ISBN-13(EAN): 9783112146729
Издательство: Walter de Gruyter
Цена: 569020.00 T
Наличие на складе: Невозможна поставка.
Описание: Sign language linguists show here that all questions relevant to the linguistic investigation of spoken languages can be asked about sign languages. Conversely, questions that sign language linguists consider - even if spoken language researchers have not asked them yet - should also be asked of spoken languages. The HSK handbook Sign Language aims to provide a concise and comprehensive overview of the state of the art in sign language linguistics. It includes 44 chapters, written by leading researchers in the field, that address issues in language typology, sign language grammar, psycholinguistics, neurolinguistics, sociolinguistics, and language documentation and transcription. Crucially, all topics are presented in a way that makes them accessible to linguists who are not familiar with sign language linguistics.

SignGram Blueprint: A Guide to Sign Language Grammar Writing

Автор: Josep Quer, Carlo Cecchetto, Caterina Donati, Carlo Geraci, Meltem Kelepir, Roland Pfau, Markus Steinbach
Название: SignGram Blueprint: A Guide to Sign Language Grammar Writing
ISBN: 1501515705 ISBN-13(EAN): 9781501515705
Издательство: Walter de Gruyter
Цена: 185890.00 T
Наличие на складе: Невозможна поставка.
Описание: We gratefully acknowledge the financial support of COST (European Cooperation in Science and Technology), funded by the Horizon 2020 Framework Programme of the European Union. Current grammatical knowledge about particular sign languages is fragmentary and of varying reliability, and it appears scattered in scientific publications where the description is often intertwined with the analysis. In general, comprehensive grammars are a rarity. The SignGram Blueprint is an innovative tool for the grammar writer: a full-fledged guide to describing all components of the grammars of sign languages in a thorough and systematic way, and with the highest scientific standards.The work builds on the existing knowledge in Descriptive Linguistics, but also on the insights from Theoretical Linguistics. It consists of two main parts running in parallel: the Checklist with all the grammatical features and phenomena the grammar writer can address, and the accompanying Manual with the relevant background information (definitions, methodological caveats, representative examples, tests, pointers to elicitation materials and bibliographical references). The areas covered are Phonology, Morphology, Lexicon, Syntax and Meaning. The Manual is endowed with hyperlinks that connect information across the work and with a pop-up glossary.The SignGram Blueprint will be a landmark for the description of sign language grammars in terms of quality and quantity.

The Magnificent Immeasurable Kingdom of God the Father

Автор: Pfautsch George E.
Название: The Magnificent Immeasurable Kingdom of God the Father
ISBN: 1728319722 ISBN-13(EAN): 9781728319728
Издательство: Неизвестно
Рейтинг:
Цена: 12630.00 T
Наличие на складе: Есть у поставщика Поставка под заказ.

The Miracle of the Eucharist

Автор: Pfautsch George E.
Название: The Miracle of the Eucharist
ISBN: 1546234462 ISBN-13(EAN): 9781546234463
Издательство: Неизвестно
Рейтинг:
Цена: 12630.00 T
Наличие на складе: Есть у поставщика Поставка под заказ.

Belden, the White Chief: Or, Twelve Years Among the Wild Indians of the Plains

Автор: Belden George Pfauts
Название: Belden, the White Chief: Or, Twelve Years Among the Wild Indians of the Plains
ISBN: 1340585030 ISBN-13(EAN): 9781340585037
Издательство: Неизвестно
Цена: 49430.00 T
Наличие на складе: Невозможна поставка.

How Much Can I Spend in Retirement?: A Guide to Investment-Based Retirement Income Strategies

Автор: Pfau Wade D.
Название: How Much Can I Spend in Retirement?: A Guide to Investment-Based Retirement Income Strategies
ISBN: 1945640022 ISBN-13(EAN): 9781945640025
Издательство: Неизвестно
Цена: 25850.00 T
Наличие на складе: Есть у поставщика Поставка под заказ.
Описание: How much can you spend in retirement? Naturally, this is an essential question for those approaching this important life transition. Essentially, if you wish to retire one day, you are increasingly responsible for figuring out how to save during your working years and convert your savings into sustainable income for an ever-lengthening number of retirement years. The nature of risk also changes in retirement, as the lifestyle of retirees become more vulnerable to the impacts of market volatility, unknown longevity, and spending shocks. Retirees have one opportunity to build a successful plan. It is not an easy task, but it is manageable.

This book focuses on sustainable spending from investments, which is an important piece of any retirement plan. People want to know if they have saved enough to be able to fund their lifestyle in retirement. In this book, I explain the findings of a large body of financial planning research regarding sustainable spending from investment portfolios in the face of a variety of retirement risks.

That body of research tends to begin with the 4 percent rule of thumb for retirement spending. I explain how and why it was developed, what it means, and when it may or may not be appropriate for retirees. William Bengen's 1994 study gave us the concept of the SAFEMAX, which is the highest sustainable spending rate from the worst-case scenario observed in the US historical data. The Trinity study added portfolio success rates from the historical data for different spending strategies. Both studies suggest that for a thirty-year retirement period, a 4 percent inflation-adjusted withdrawal rate using a 50-75 percent stock allocation should be reasonably safe.

I have reservations about the 4 percent rule. It may be too aggressive for current retirees for reasons including increasing longevity, historically low interest rates coupled with higher than average stock market valuations, the impact of the international experience with the 4 percent rule casting a different light than 20th century US historical data, the need to maintain a rather aggressive asset allocation to have the best shot at success, and because the 4 percent rule assumes that investors do not pay any fees or otherwise underperform the underlying market indices.

However, other factors suggest that sustainable spending may be even higher than traditional studies imply. Reasons for this include that actual retirees may tend to reduce their spending with age, that they build more diversified portfolios than used in the basic research studies, that real-world retirees may be willing to adjust spending for realized portfolio performance, and that some retirees may have the capacity and tolerance to accept higher portfolio failure probabilities because they have other sources of income from outside their portfolios. Related to these points, I also analyze nine variable spending strategies for retirees as well as the use of strategies that support short-term spending needs with individual bonds and longer-term spending needs with stocks.

Retirees need to weigh the consequences between spending too little and spending too much-that is, being too frugal or running out of assets. This book is about implementing what I call the "probability-based" school of thought for retirement planning. It is especially relevant for people who plan to fund their retirements using an investment portfolio and those who are hesitant about using income annuities or other insurance products. I will explore annuities and insurance more extensively in later volumes since I do believe in the value of risk pooling as an additional source of returns to more efficiently meet retirement spending goals. But for now, we have plenty to discuss within the world of sustainable spending from an investment portfolio in retirement. The book concludes with a discussion about how to put these ideas together into a retirement spending plan.


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