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Get What's Yours - Revised & Updated by Laurence J. Kotlikoff,Philip Moeller,Paul Solman Pdf
"In 2016, Social Security rules changed radically. Do you know how - and how these changes might apply to you? Americans have left literally billions of Social Security dollars on the table - benefits we have earned, are eligible to take, but simply aren't aware of. Fully revised and carefully updated in light of the new law, Get What's Yours is the indispensable guide to collecting the maximum Social Security benefits possible."--Page 4 of cover.
Get What's Yours by Laurence J. Kotlikoff,Philip Moeller,Paul Solman Pdf
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.
Get What's Yours for Medicare by Philip Moeller Pdf
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.
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.
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).
Take Charge of Your Life by William Glasser, MD Pdf
“A game changer for anyone ready to become the captain of their own ship.” —Dr. Phil McGraw, host of the nationally syndicated series Dr. Phil “Take Charge of Your Life urges readers to stop blaming and start accepting responsibility for choices.” —Jeannine Chartier Hanscom, ForeWord Reviews Are you seeking a happier and more satisfying life? In Take Charge of Your Life, author Dr. William Glasser explains choice theory—a science of human behavior and principles for regaining and maintaining a life you control—and how it can help you find personal freedom from relationship-destroying external control. Take Charge of Your Life, a revision of his 1984 book Control Theory, explains choice theory using personalized examples and illustrative stories that allow you to learn how to improve your relationships and take charge of your actions. Topics include marital and relationship problems, parenthood, addictions, pain management, and psychosomatic disorders. For each situation, Dr. Glasser ties behavior to the pictures people create in their minds of what they want. He explains how the pictures got there and how people can choose new behaviors to get what they really want. In Take Charge of Your Life, Glasser offers a real model of empowerment. He shows how you can become a part of the equation that adds happiness and connection to the world in which you live now and to the world of future generations.
The inspiring, life-changing bestseller by the author of LEADERS EAT LAST and TOGETHER IS BETTER. In 2009, Simon Sinek started a movement to help people become more inspired at work, and in turn inspire their colleagues and customers. Since then, millions have been touched by the power of his ideas, including more than 28 million who’ve watched his TED Talk based on START WITH WHY -- the third most popular TED video of all time. Sinek starts with a fundamental question: Why are some people and organizations more innovative, more influential, and more profitable than others? Why do some command greater loyalty from customers and employees alike? Even among the successful, why are so few able to repeat their success over and over? People like Martin Luther King Jr., Steve Jobs, and the Wright Brothers had little in common, but they all started with WHY. They realized that people won't truly buy into a product, service, movement, or idea until they understand the WHY behind it. START WITH WHY shows that the leaders who've had the greatest influence in the world all think, act, and communicate the same way -- and it's the opposite of what everyone else does. Sinek calls this powerful idea The Golden Circle, and it provides a framework upon which organizations can be built, movements can be led, and people can be inspired. And it all starts with WHY.
The tenth-anniversary edition of the book that changed lives in profound ways, now with a new foreword and afterword. In 2006, a groundbreaking feature-length film revealed the great mystery of the universe—The Secret—and, later that year, Rhonda Byrne followed with a book that became a worldwide bestseller. Fragments of a Great Secret have been found in the oral traditions, in literature, in religions and philosophies throughout the centuries. For the first time, all the pieces of The Secret come together in an incredible revelation that will be life-transforming for all who experience it. In this book, you’ll learn how to use The Secret in every aspect of your life—money, health, relationships, happiness, and in every interaction you have in the world. You’ll begin to understand the hidden, untapped power that’s within you, and this revelation can bring joy to every aspect of your life. The Secret contains wisdom from modern-day teachers—men and women who have used it to achieve health, wealth, and happiness. By applying the knowledge of The Secret, they bring to light compelling stories of eradicating disease, acquiring massive wealth, overcoming obstacles, and achieving what many would regard as impossible.
Work Your Career by Loleen Berdahl,Jonathan Malloy Pdf
"The supposed extinction of the Indigenous Beothuk people of Newfoundland in the early nineteenth century is a foundational moment in Canadian history. Increasingly under scrutiny, non-Indigenous perceptions of the Beothuk have had especially dire and far-reaching ramifications for contemporary Indigenous people in Newfoundland and Labrador. Tracing Ochre reassesses popular beliefs about the Beothuk. Placing the group in global context, Fiona Polack and a diverse collection of contributors juxtapose the history of the Beothuk with the experiences of other Indigenous peoples outside of Canada, including those living in former British colonies as diverse as Tasmania, South Africa, and the islands of the Caribbean. Featuring contributions of Indigenous and non-Indigenous thinkers from a wide range of scholarly and community backgrounds, Tracing Ochre aims to definitively shift established perceptions of a people who were among the first to confront European colonialism in North America."--
You Say More Than You Think by Janine Driver,Mariska van Aalst Pdf
Now You’re Talking! Do you want to be bulletproof at work, secure in your relationship, and content in your own skin? If so, it’s more important than ever to be aware of what your body is saying to the outside world. Unfortunately, most of what you’ve heard from other body language experts is wrong, and, as a result, your actions may be hurting, not helping, you. With sass and a keen eye, media favorite Janine Driver teaches you the skills she used every day to stay alive during her fifteen years as a body-language expert at the ATF. Janine’s 7-day plan and her 7-second solutions teach you dozens of body language fixes to turn any interpersonal situation to your advantage. She reveals methods here that other experts refuse to share with the public, and she debunks major myths other experts swear are fact: Giving more eye contact is key when you’re trying to impress someone. Not necessarily true. It’s actually more important where you point your belly button. This small body shift communicates true interest more powerfully than constant eye contact. The “steeple” hand gesture will give you the upper hand during negotiations and business meetings. Wrong. Driver has seen this overbearing gesture backfire more often than not. Instead, she suggests two new steeples that give you power without making you seem overly aggressive: the Basketball Steeple and the A-OK Two-Fingered Steeple. Happy people command power and attention by smiling just before they meet new people. Studies have shown that people who do this are viewed as Beta Leaders. Alpha leaders smile once they shake your hand and hear your name. At a time when every advantage counts—and first impressions matter more than ever—this is the book to help you really get your message across.
Stupid Things I Won't Do When I Get Old by Steven Petrow Pdf
For fans of David Sedaris and Nora Ephron, here is a humorous, irreverent, and poignant look at the gifts, stereotypes, and inevitable challenges of aging, based on the wildly popular New York Times essay from award-winning journalist Steven Petrow. Soon after his 50th birthday, Steven Petrow began assembling a list of “things I won’t do when I get old”—mostly a catalog of all the things he thought his then 70-something year old parents were doing wrong. That list, which included “You won’t have to shout at me that I’m deaf,” and “I won’t blame the family dog for my incontinence,” became the basis of this rousing collection of do’s and don’ts, wills and won’ts that is equal parts hilarious, honest, and practical. The fact is, we don’t want to age the way previous generations did. “Old people” hoard. They bore relatives—and strangers—with tales of their aches and pains. They insist on driving long after they’ve become a danger to others (and themselves). They eat dinner at 4pm. They swear they don’t need a cane or walker (and guess what happens next). They never, ever apologize. But there is another way . . . In Stupid Things I Won’t Do When I Get Old, Petrow candidly addresses the fears, frustrations, and stereotypes that accompany aging. He offers a blueprint for the new old age, and an understanding that aging and illness are not the same. As he writes, “I meant the list to serve as a pointed reminder—to me—to make different choices when I eventually cross the threshold to ‘old.’” Getting older is a privilege. This essential guide reveals how to do it with grace, wisdom, humor, and hope. And without hoarding.
Continuing Bonds by Dennis Klass,Phyllis R. Silverman,Steven Nickman Pdf
First published in 1996. This new book gives voice to an emerging consensus among bereavement scholars that our understanding of the grief process needs to be expanded. The dominant 20th century model holds that the function of grief and mourning is to cut bonds with the deceased, thereby freeing the survivor to reinvest in new relationships in the present. Pathological grief has been defined in terms of holding on to the deceased. Close examination reveals that this model is based more on the cultural values of modernity than on any substantial data of what people actually do. Presenting data from several populations, 22 authors - among the most respected in their fields - demonstrate that the health resolution of grief enables one to maintain a continuing bond with the deceased. Despite cultural disapproval and lack of validation by professionals, survivors find places for the dead in their on-going lives and even in their communities. Such bonds are not denial: the deceased can provide resources for enriched functioning in the present. Chapters examine widows and widowers, bereaved children, parents and siblings, and a population previously excluded from bereavement research: adoptees and their birth parents. Bereavement in Japanese culture is also discussed, as are meanings and implications of this new model of grief. Opening new areas of research and scholarly dialogue, this work provides the basis for significant developments in clinical practice in the field.
Making the Most of Your Money Now by Jane Bryant Quinn Pdf
Named the best personal finance book on the market by Consumers Union, Jane Bryant Quinn's bestseller Making the Most of Your Money has been completely revised and updated to provide a guide to financial recovery, independence, and success in the new economy. Getting your financial life on track and keeping it there -- nothing is more important to your family and you. This proven, comprehensive guidebook steers you around the risks and helps you make smart and profitable decisions at every stage of your life. Are you single, married, or divorced? A parent with a paycheck or a parent at home? Getting your first job or well along in your career? Helping your kids in college or your parents in their older age? Planning for retirement? Already retired and worried about how to make your money last? You'll find ideas to help you build your financial security here. Jane Bryant Quinn answers more questions more completely than any other personal-finance author on the market today. You'll reach for this book again and again as your life changes and new financial decisions arise. Here are just a few of the important subjects she examines: • Setting priorities during and after a financial setback, and bouncing back • Getting the most out of a bank while avoiding fees • Credit card and debit card secrets that will save you money • Family matters -- talking money before marriage and mediating claims during divorce • Cutting the cost of student debt, and finding schools that will offer big "merit" scholarships to your child • The simplest ways of pulling yourself out of debt • Why it's so important to jump on the automatic-savings bandwagon • Buying a house, selling one, or trying to rent your home when buyers aren't around • Why credit scores are more important than ever, plus tips on keeping yours in the range most attractive to lenders • Investing made easy -- mutual funds that are tailor-made for your future retirement • What every investor needs to know about building wealth • How an "investment policy" helps you make wise decisions in any market • The essential tax-deferred retirement plans, from 401(k)s to Individual Retirement Accounts -- and how to manage them • How to invest in real estate at a bargain price (and how to spot something that looks like a bargain but isn't) • Eleven ways of keeping a steady income while you're retired, even after a stock market crash • Financial planning -- what it means, how you do it, and where to find good planners Page by page, Quinn leads you through the pros and cons of every decision, to help you make the choice that will suit you best. This is the single personal-finance book that no family should be without.
Find Your Why by Simon Sinek,David Mead,Peter Docker Pdf
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