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Author: Dan Keppel Publisher: Createspace Independent Pub ISBN: 9781482350821 Category : Business & Economics Languages : en Pages : 210
Book Description
$Most of us are overpaying for insurance, investments, taxes, etc$We are confused about what products/services we need to buy.$Our “advisors” are NOT acting as real fiduciaries. $We “waste” $3,000 or more each year. $$Overcharges cost us $100,000 eventually Most of us are wasting more than $3,000 every year. If we invested that $3,000 a year, we could have all the assets we need to protect our families and futures. We even waste our largest savings amount: our tax refund—they average about $3,022 a year. Every year that we overpay for services costs us $100,000 eventually. Our wasted money could be compounding at the highest rates for long-term growth. And most of us do NOT use an account that makes our earnings and withdrawals tax-FREE. For example, if our retirement funds earn 11% but the hidden fees and charges take 3%, we are going to end up with $780,000 not $1,900,000 by retirement. Adjusted for inflation, that means an income of about $1,466 a month instead of $3,333 a month. Plus, if we don't use a tax-FREE account, our pension income will be taxed at 25% or more. And don't think a company-paid pension or Social Security will save you! TowersWatson found pension underfunding is rampant. Social Security will exhaust its funds in about 2033. We know that income taxes will continue to climb to pay off two wars and two tax cuts. My conclusion is that we need to develop our own “lifestyle security”—a growing asset fund we can't outlive and that is not dependent on the government or employers. $Using the checklist below, I will help you stop the bleeding.
Author: Dan Keppel Publisher: Createspace Independent Pub ISBN: 9781482350821 Category : Business & Economics Languages : en Pages : 210
Book Description
$Most of us are overpaying for insurance, investments, taxes, etc$We are confused about what products/services we need to buy.$Our “advisors” are NOT acting as real fiduciaries. $We “waste” $3,000 or more each year. $$Overcharges cost us $100,000 eventually Most of us are wasting more than $3,000 every year. If we invested that $3,000 a year, we could have all the assets we need to protect our families and futures. We even waste our largest savings amount: our tax refund—they average about $3,022 a year. Every year that we overpay for services costs us $100,000 eventually. Our wasted money could be compounding at the highest rates for long-term growth. And most of us do NOT use an account that makes our earnings and withdrawals tax-FREE. For example, if our retirement funds earn 11% but the hidden fees and charges take 3%, we are going to end up with $780,000 not $1,900,000 by retirement. Adjusted for inflation, that means an income of about $1,466 a month instead of $3,333 a month. Plus, if we don't use a tax-FREE account, our pension income will be taxed at 25% or more. And don't think a company-paid pension or Social Security will save you! TowersWatson found pension underfunding is rampant. Social Security will exhaust its funds in about 2033. We know that income taxes will continue to climb to pay off two wars and two tax cuts. My conclusion is that we need to develop our own “lifestyle security”—a growing asset fund we can't outlive and that is not dependent on the government or employers. $Using the checklist below, I will help you stop the bleeding.
Author: Liz Davidson Publisher: HMH ISBN: 0544633342 Category : Business & Economics Languages : en Pages : 256
Book Description
Protect your money with this “accessible and practical” guide to hiring and working with financial advisors (Publishers Weekly, starred review). Hiring a trained expert to safeguard and grow your wealth seems like a foolproof decision, but it can go awry for many people. You should never blindly trust that your advisor has your best interests at heart—and while there are many benefits to working with a financial pro, there are some things you should know first. Drawing on her insider’s knowledge of how the financial advice profession really works, Liz Davidson shows how to judge whether an advisor is going to help or harm your savings. This no-nonsense guide covers questions such as: How should you decide if you really need an advisor? What financial moves can you make without their help? What important questions should you ask before trusting them with your money? What are the red flags you should run from? What does all their jargon really mean? Learn how to take control of your financial well-being—either with a financial advisor or without one. “This book is mandatory reading for anyone who wants a better understanding of how to manage their money.” —Mary Beth Franklin, InvestmentNews “Valuable tools for managing one’s personal finances for maximum results.” —Publishers Weekly, starred review
Author: Damian Birkel Publisher: AMACOM ISBN: 0814432921 Category : Self-Help Languages : en Pages : 272
Book Description
It’s been a long time since you had to search for a new job. You may be wondering, How did I get this last one so many years ago? What has changed since I last hit the job market? Have I since gathered more knowledge and experience that qualifies me for something better this time around? Where does one get started? The Job Search Checklist is your saving grace! This indispensable guide covers everything from dealing with the emotional impact of being laid off to rebuilding your professional identity. Within these pages, you’ll find solid advice on: • Developing a career plan by taking stock of your experience, abilities, and goals • Crafting an effective résumé and building Internet-friendly documents • Creating a “personal marketing plan” to promote yourself to potential employers • Finding the hidden job market through in-person and online networking• And much more!Complete with downloadable templates, sample cover letters, a range of effective résumé formats, and helpful checklists throughout the book, this invaluable resource gets you on the right path toward your next career and keeps you there.
Author: Lisa Duncan Publisher: ISBN: 9781699061459 Category : Languages : en Pages : 102
Book Description
Do you wish someone had taught you about money when you were younger? Don't blame your parents or school. It's hard to learn about money management when you don't have any money. Now you are in your twenties, earning a salary, and ready to make smart moves for financial success. With easy to follow checklists and a simple-is-best strategy, you will soon be saying: * My debt is under control. * I am building a good credit rating. * I am ready for a cash emergency. * I have a clear criteria for what I can afford to buy. * I am saving for my next big goal. * I've made great retirement savings choices. * I am prepared for when I become wealthy. Whether you are struggling with your budget or confused by the alphabet soup of your 401(k) choices, this book will help you. Successful money management doesn't require a fat bank account or expensive advisor. You have all the skills required to manage your own finances. Today is a great day to start.
Author: Marie Burns Publisher: Suzy Pruddden ISBN: 9780999651926 Category : Languages : en Pages : 46
Book Description
Your Amazing Itty Bitty(R) "Before" Financial Checklist 15 Important Actions to Complete Before the Loss of a Loved One Get financially organized, update your documents, and have peace of mind that your wishes will be carried out as cost effectively as possible. Whether you: - are starting to help your aging parents... - are retired and beginning to think about the end of your life... - have been through a rough estate settling process and vowed to never put your family through the same experience... - are any age and trying to get your financial house in order... ...then this book is for you. If you want to save time, stress, money and preserve family relationships in the end, pick up a copy of this helpful Itty Bitty Book today!
Author: Alan Bonham Publisher: Pearson UK ISBN: 0273741268 Category : Business & Economics Languages : en Pages : 230
Book Description
GET THE RESULTS YOU WANT IN FINANCE. FAST. Whatever your main functional role as a manager, if you ignore the financial side of your job, you will start to lose control and you won’t deliver the business results you need to get ahead. On the other hand, if you can read and understand financial accounts and management accounts – and if you know the difference between them – you will be far better placed to make the right decisions. When you can combine your functional skills with a clear knowledge of the financial consequences of your decisions, you will be well on the way to success as a manager. Fast Track to Success: Finance gives you the knowledge you need and shows you how to use it to best effect. This practical, career-oriented book gets you up to speed on finance quickly. It demystifies finance and talks you through everything you need to know about financial measures of business performance. It gives you: Finance in a nutshell - a series of frequently-asked-questions to give you a concise overview of the subject The top 10 tools and techniques you can use to help you develop your approach to finance Simple checklists to help you identify the strengths and weaknesses of your capabilities and those of your team Advice on leading your team – how to decide your leadership style and build your team Tips on how to progress your career, whether it’s your first 10 weeks in the job or whether you’re looking to get right to the top Don’t get left behind, set out on the Fast Track today. For more resources, log on to the series website at www.fast-track-me.com. EVERYTHING YOU NEED TO ACCELERATE YOUR CAREER The Fast Track books provide you with a complete resource to get ahead as a manager – faster. They bring together the latest business thinking, cutting edge online material and all the practical techniques you need to fast track your career. Specially designed to help you learn what you need to know and to develop the skills you need to get ahead, each book in the series is broken down into 4 key areas: Awareness - find out where you are now and what you need to do to improve Business building - the tools and techniques you need to build up your skills Career development- learn the steps you should take now if you want to get ahead Director’s toolkit - tips to get you to the top. And make sure you stay there! Fast Track features include: The Fast Track Top 10 – a concise, cutting edge summary of the information you need to shine Quick Tips and FAQs – a short cut to practical advice from people who have been there before you and succeeded Real life stories to give examples of what works – and critically, what doesn’t Practical career guidance including a framework of objectives for your first 10 weeks in a new role Expert Voices – to give you the state of the art view from today’s leading experts Visit the companion web-site www.Fast-Track-Me.com to learn more about the books and explore the business methods, tools and techniques contained in each book – log on now to get on the Fast Track today.
Author: Tanya R. Davis Publisher: Atlantic Publishing Company ISBN: 1601380046 Category : Technology & Engineering Languages : en Pages : 288
Book Description
A detailed guide to the planning and execution of home building or renovation, with tips on design, pouring foundations, installing floors, walls, and roofing, hiring subcontractors; and includes checklists on an accompanying CD-ROM.
Author: Simone Janson Publisher: Best of HR - Berufebilder.de® ISBN: 3965965158 Category : Psychology Languages : en Pages : 92
Book Description
What the 2nd edition brings you: You support climate protection, quickly receive compact information and checklists from experts (overview and press comments in the book preview) as well as advice that has been tested in practice, which also leads to success step by step thanks to AddOn. Because success is always the result of structured processes that you can check off as on a checklist - a plan for winners. Unfortunately, many people do the opposite: namely, they simply do not achieve goals because they set priorities incorrectly in everyday life and go through unstructured decision-making processes. Often, uncomfortable tasks in particular are postponed rather than completed immediately. And we often don't dare to clearly prioritize things that are important to us and to communicate this accordingly. Yet good, correct decisions are extremely important in everyday life and in the professional world. This book shows how to tackle the problem and thus helps to organize one's own workday in a better, more productive and structured way using a checklist and to achieve important goals. We give you the best possible help on the topics of career, finance, management, personnel work and life assistance. For this purpose, we gather in each book the best experts in their field as authors - detailed biographies in the book - , who give a comprehensive overview of the topic and additionally offer you success planner workbooks in printed form. Our guidebooks are aimed primarily at beginners. Readers who are looking for more in-depth information can get it for free as an add-on with individual content in German and English as desired. This concept is made possible by a particularly efficient, innovative digital process and Deep Learning, AI systems that use neural networks in translation. Moreover, we give at least 5 percent of our proceeds from book sales to social and sustainable projects. For example, we endow scholarships or support innovative ideas as well as climate protection initiatives and in some cases also receive government funding for this. With our translations from German into English we improve the quality of neural machine learning and thus contribute to international understanding. You can find out more on the website of our Berufebilder Yourweb Institute. Publisher Simone Janson is also a bestselling author as well as one of the 10 most important German bloggers according to the Blogger-Relevance-Index, furthermore she was a columnist and author of renowned media such as WELT, Wirtschaftswoche or ZEIT - more about her in Wikipedia.
Author: Marco Kpeglo Publisher: iUniverse ISBN: 1462052096 Category : Business & Economics Languages : en Pages : 180
Book Description
Get the information you need to become financially literate; this guidebook provides resources and tools so you can get out of debt, save money, and accomplish your most important financial objectives. Marco LeRoc, founder of the Retool Money Club, helps you build a plan so you can shop smarter and better; protect yourself from identity theft; cash in on the latest trends; develop a personal financial checklist; choose the right investment and insurance options. Stop fretting over the fancy words you see in contracts for financial products and services. By learning how to manage your money, you'll be equipping yourself with strategies that allow you to escape financial difficulties.
Author: Paul Labarge Publisher: eBookIt.com ISBN: 1456624725 Category : Business & Economics Languages : en Pages : 146
Book Description
"How to take control of your finances and your life!" As a nation, we are wealthier and more prosperous than our parents could have ever dreamed. Yet for the vast majority, money remains a source of stress and uncertainty in our lives. Even those of us who are fortunate enough to earn a decent living can suddenly wake up to find ourselves asset rich but cash poor. Ask yourself—do you ever find yourself: Living from paycheck to paycheck? Making only the minimum payment on your credit cards? Struggling to keep up with debt payments, car loans or even mortgage payments on your home? Uncertain of how much you spend each month—or where the money goes? Sound familiar? Whether you are a millionaire or make less than $40,000 a year, the Copperjar System will give you the tools you need to achieve your financial goals, become financially fit and take control of your finances—and your life! "Your Blueprint for Financial Fitness" is the first book in the Copperjar Series of books.