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

    

    But is it really as simple as that? Kevin Rodgers has his doubts, and in this fascinating inside account of the financial world over the past three decades, he explains why. Taking us from the days when traders still shouted their deals down the phone to the silent modern world of computer trading, he shows how, far more than the pursuit of personal gain, it has been the pursuit of ever-more sophisticated systems, algorithms and financial models that has undermined banking and made it chronically unstable. He also shows how, by their very nature, the computers on which modern finance now so completely depend are hopelessly ill-equipped to forestall a future crash. Both a very personal and evocative account of how banking has changed since the 1980s, and a masterclass in how it actually works, Why Aren't They Shouting also offers a nuanced, if alarming, glimpse into its likely future.

    Perhaps you thought of grocery stores or something sexy like internet retailing, but chances are you didn’t think of banking. Yet, most likely you interact with a bank every time you’re paid and when you pay your bills. Banks facilitate the flow of money through the economy and even if you don’t interact with a bank daily, the businesses you deal with on a daily basis do. For all the interaction people have with banks, few understand how they work or why they work. Even fewer understand why they should consider including bank stocks in their investment portfolio. There are a lot of misconceptions about banks, including understanding what they are and what they do. For many people the word “bank” evokes images of receiving a toaster upon opening an account, or thoughts of security related to the storing of precious items in a safety deposit box. Others might go further and tap their inner Michael Moore and talk about how banks are greedy and evil. It’s our belief that banks aren’t just places to store idle savings (on which you receive virtually nothing in interest) or to cash checks, but that they should be an integral part of an investor’s portfolio. The goal of this book is to provide you with a foundation and framework with which you can both begin to understand banks, but also learn the basic tools used to analyze banks as investments.

    

    Like so many good stories, it got its start from a time of great turmoil and ended in a dramatic fashion. What happened between 1920 and 1929 has passed beyond history and has become legend. The lessons of the 1920s are still relevant today. Many of the debates and issues of the era are still part of the national conversation. Economic policies, consumer behaviors and mass culture of the 1920s are reflected in our culture almost 100 years later. By understanding the past, we can better prepare for the future and this new captivating history book is all about giving you that knowledge. This book includes topics such as: World War One and the 1920s Fear of the Other Old Causes Finishing Business The Cost of Prohibition A New World African-Americans Politics and Policies How Did It All End? And much, much more! Scroll to the top and download the book now for instant access!

    In Confessions of a Subprime Lender: An Insider's Tale of Greed, Fraud, and Ignorance, he reveals the truth about how the subprime lending business spiraled out of control, pushed home prices to unsustainable levels, and turned unqualified applicants into qualified borrowers through creative financing. Learn about the ways the mortgage industry can be fixed with his twenty suggestions for critical change.

    They were not the best answer, but they were the first attempts at finding a practical system. Many children that would have died, lived to have children and grandchildren. It has been calculated that over two million descendants have come from these children. The trains gave the children a fighting chance to grow up." – D. Bruce Ayler By the middle of the 19th century, New York City’s population surpassed the unfathomable number of 1 million people, despite its obvious lack of space. This was mostly due to the fact that so many immigrants heading to America naturally landed in New York Harbor, well before the federal government set up an official immigration system on Ellis Island. At first, the city itself set up its own immigration registration center in Castle Garden near the site of the original Fort Amsterdam, and naturally, many of these immigrants, who were arriving with little more than the clothes on their back, didn’t travel far and thus remained in New York. Of course, the addition of so many immigrants and others with less money put strains on the quality of life. Between 1862 and 1872, the number of tenements had risen from 12,000 to 20,000; the number of tenement residents grew from 380,000 to 600,000. One notorious tenement on the East River, Gotham Court, housed 700 people on a 20-by-200-foot lot. Another on the West Side was home, incredibly, to 3,000 residents, who made use of hundreds of privies dug into a fifteen-foot-wide inner court. Squalid, dark, crowded, and dangerous, tenement living created dreadful health and social conditions. It would take the efforts of reformers such as Jacob Riis, who documented the hellishness of tenements with shocking photographs in How the Other Half Lives, to change the way such buildings were constructed. While the Melting Pot nature of America is one of its most unique and celebrated aspects, the conditions also created a humanitarian crisis of sorts. In the 19th century, child labor was still the norm, especially for poor families, and no social welfare systems were in place to provide security for people. As a result, if a child was abandoned or orphaned, they were at the mercy of an ad hoc system of barely tolerable orphanages with little to no centralization. Minorities and immigrants were also discriminated against on the basis of ethnicity and religion. Into this issue stepped the Children’s Aid Society, led by Charles Loring Brace, who determined he could improve abandoned kids’ futures by helping relocate them further to the West, which would also help Americans settle the frontier. By coordinating with train companies, Brace was able to transport dozens of children at a time to places in the heartland of America or further out west, where they would end up in new homes, decades before the existence of foster care. Genealogist Roberta Lowrey, a descendant of one of these orphans, noted that the situations for many of those on the Orphan Trains were vastly different, but in all, the system worked: “Many were used as strictly slave farm labor, but there are stories, wonderful stories of children ending up in fine families that loved them, cherished them, [and] educated them. They were so much better off than if they had been left on the streets of New York. ... They were just not going to survive, or if they had, their fate would surely have been awful.

    This highly accessible book is aimed at anyone who wants to improve their financial situation, from the financial novice who needs clear basic guidelines on how to deal with money to those who are more financially savvy but want to supplement their knowledge. Covering a range of topics, from saving, investing, debt management, buying a house to blunders to avoid, Become Your Own Financial Advisor provides people of all ages and levels of wealth with practical information on how to improve their finances. And, in the process, proves that financial freedom is possible for everyone.

     Because these bonds serve as the foundation of our current financial system, when they are in a bubble, it means that all risk assets (truly EVERYTHING), are in a bubble, hence our title, The Everything Bubble. In this sense, the Everything Bubble represents the proverbial end game for central bank policy: the final speculative frenzy induced by Federal Reserve overreach. The Everything Bubble book is the result of over a decade of research and analysis of the financial markets and economy by noted investment analyst, Graham Summers, MBA. As such, this book is intended for anyone who wants to understand how the US financial system truly operates as well as those interested in the Federal Reserve’s future policy responses when the Everything Bubble bursts. To that end, The Everything Bubble is divided into two sections: How We Got Here and What’s to Come. Combined, these sections represent a blueprint for all things finance and money-related in the United States. This knowledge is now yours.

    Implementing these Five Secrets in your life could radically change not only your current financial situation, but the financial future of your children and grandchildren.

    During the summer of his senior year at college, while earning a B.A. in Economics and Political Science, David P. Spears spent eighty hours undercover as a panhandler. Systematically recording every transaction at the exit ramp, Spears captured a rarely seen picture of how modern urban charity works.This book is the record of his adventures, part economic research, part investigative journalism. Both the numbers and the stories behind the numbers provide answers to the questions we’ve all been wondering: Who gives more to panhandlers—men or women? What percentage of drivers roll down their windows to donate? And most important of all, how much can a panhandler earn per hour?Get out your bi-weekly pay stub—by the end of this book you’ll know if you make more or less than the guy with the cardboard sign.

    The Asylum is a stunning exposé by a seasoned Wall Street journalist that once and for all reveals the truth behind America’s oil addiction in all its unscripted and dysfunctional glory.In the tradition of Too Big to Fail and Liar’s Poker, author Leah McGrath Goodman tells the amazing-but-true story of a band of struggling, hardscrabble traders who, after enduring decades of scorn from New York’s stuffy financial establishment, overcame more than a century of failure, infighting, and brinksmanship to build the world’s reigning oil empire—entirely by accident.

    Army as a two-tour helicopter pilot in Vietnam. It is a true-life story of a pilot who fought for freedom and often his very life. Vietnams Saga is also a story about the meaning of life. Standing back from his war experience, Stan reflects on his ever-present faith and how it carried him through this challenging period of his life. Originally written as a legacy to Stan Corvin’s family- something that will be passed down for many generations-Vietnam Saga is now an opportunity for you to share in the legacy and the personal recollections, memories, thoughts, fears and shed tears of a decorated and dedicated American military pilot. The book also contains numerous photos.

    The monograph vociferouslydemanded that socialism be sacrificed for a competitive market economic system, so India cangrow at 10 per cent per year, achieve self-reliance, full employment and produce nuclear weaponry.The then Prime Minister Indira Gandhi denounced the plan as dangerous.Fifty years later, Swamy redefines his path-breaking ideas on India-specific economic developmentin his seminal work, Reset. It undertakes a nuanced analysis of the manner in which the highlyprosperous Indian economy witnessed a long, accelerated decline due to persistent British imperialistaggression, and compares the distinctive manner in which Asian giants—India and China—sufferedat the hands of imperialism. He critically analyses the highs and lows of the Nehruvian model ofcentralized economic planning borrowed from the Soviet Union, and the debilitating circumstancesthat impelled him, as Commerce Minister in Prime Minister Chandra Shekhar’s government, todraw up a blueprint for economic reforms.