Скачать книгу - The Essential Retirement Guide. A Contrarian's Perspective

Retirement planning is difficult enough without having to contend with misinformation. Unfortunately, much of the advice that is dispensed is either unsubstantiated or betrays a strong vested interest. In The Essential Retirement Guide, Frederick Vettese analyses the most fundamental questions of retirement planning and offers some startling insights. The book finds, for example that: Saving 10 percent a year is not a bad rule of thumb if you could follow it, but there will be times when you cannot do so and it might not even be advisable to try. Most people never spend more than 50 percent of their gross income on themselves before retirement; hence their retirement income target is usually much less than 70 percent. Interest rates will almost certainly stay low for the next 20 years, which will affect how much you need to save. Even in this low-interest environment, you can withdraw 5 percent or more of your retirement savings each year in retirement without running out of money. Your spending in retirement will almost certainly decline at a certain age so you may not need to save quite as much as you think. As people reach the later stages of retirement, they become less capable of managing their finances, even though they grow more confident of their ability to do so! Plan for this before it is too late. Annuities have become very expensive, but they still make sense for a host of reasons. In addition, The Essential Retirement Guide shows how you can estimate your own lifespan and helps you to understand the financial implications of long-term care. Most importantly, it reveals how you can calculate your personal wealth target – the amount of money you will need by the time you retire to live comfortably. The author uses his actuarial expertise to substantiate his findings but does so in a jargon-free way.

Revision Tables. Students' Grammar Guide. Грамматика английского языка в таблицах. Учебное пособие

Автор: М. Г. Кожаева

Год издания:

Основы фонетики английского языка. The Essentials of English Phonetics. Учебное пособие

Автор: Н. А. Курашкина

Год издания:

The power of religion on the mind in retirement, affliction and at the approach of death

Автор: Lindley Murray

Год издания:

Полный вариант заголовка: «The power of religion on the mind in retirement, affliction and at the approach of death : exemplified in the testimonies and experience of persons distinguished by their greatness, learning, or virtue / by Lindley Murray».

Russian business law: the essentials

Автор: Группа авторов

Год издания:

This publication is intended to provide you with accurate and authoritative information concerning the subject matter covered. However, this publication is not a substitute for the advice of an attorney. If you require a legal or other expert advice, you should seek the services of a competent attorney or other professional.

Quick & Painless Business Writing: An Essential Guide to Clear and Powerful Communication

Автор: Susan F. Benjamin

Год издания:

Want to send an E-mail your boss will open right away? Need a knock-out proposal to seal a deal? Want to create a Web site that no customer can resist? Quick & Painless Business Writing will show you how. Yes, you can improve your writing without memorizing endless rules, perusing checklists of do’s and don’ts, or revisiting the lessons of high school. Quick & Painless Business Writing reveals secrets that will eliminate business-writing phobias and faux pas and help you create outstanding documents that get optimal results. First, you’ll learn that grammar is not a collection of stagnant rules you’d better follow (or else), but an ever-changing set of principles with plenty of choices. Then you’ll discover secrets about writing your English teachers never told you: the secret power of nouns, the destructive force of innocent-seeming verbs, and the way sentence structure can elicit certain responses. You’ll happily replace what you learned about «structure» with an altogether new understanding of how to open, develop, and close your messages. Even better, you’ll learn how to build a cohesive message quickly, with little need for rewriting. But business writing cannot live on words alone. That’s why this book explores the review process – whether your reviewer is an in-house editor, a client, a boss, or even a spouse – and help you learn strategic ways to approach and manage them. With this information, you’ll do more than write well. You’ll be able to craft strategic messages that get the right response from your reader, whether you want a colleague to send important information now or a customer to say «yes» to your proposal. Have to address a difficult situation? Confront a co-worker? Defend yourself to your boss? Give a bad employee bad news? This book will show you how to do that and more…quickly and painlessly. Хотите отправить грамотное письмо по электронной почте с плохими новостями вашему боссу? Нужно одним сообщением убедить клиента заключить с вами сделку? Хотите узнать секрет неотразимого для посетителей веб-сайта? Книга расскажет вам, как это сделать. Да, именно здесь вы можете научиться улучшать свои деловые сообщения без запоминания бесконечных правил, просмотра контрольных списков и уроков, подобных тем, что дают в школе. Автор раскрывает секреты по ликвидации страха перед написанием писем и бестактности в сообщении и помогает вам научиться создавать документы, достигающие оптимальных результатов в короткие сроки. Вы узнаете, что грамматика – не коллекция устоявшихся правил, которым необходимо следовать, а постоянно меняющийся набор принципов, где каждый подходит для конкретного случая. Вы откроете для себя секретный потенциал существительных, разрушительную силу глаголов, украшающее текст изящество прилагательных. Вы также узнаете, насколько сильно зависит впечатление, производимое текстом, от структуры предложений, содержащихся в нем. Вы поймёте, как можно быстро и легко построить грамотное сообщение, которое потом не придется переписывать по 10 раз. Однако единого правила на любой случай жизни не существует. Именно поэтому в книге рассмотрены самые разнообразные вариации сообщений: для вашего клиента, для босса, для редактора… и даже для вашей второй половинки. Обладая этой информацией, вы будете не просто хорошо писать тексты, вы сможете вырабатывать стратегию сообщений, способную получить согласие практически от любого вашего читателя. Нужно решить трудную ситуацию? Противостоять коллеге? Защитить себя перед начальством? Сообщить сотрудникам плохую новости. Книга покажет вам, как это сделать.