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.

    The demand for vintage trailers-the smaller the better-has risen dramatically in recent years, with the most in-demand trailers being "teardrops," first manufactured in the 1930s and containing just indoor sleeping space and an outdoor exterior kitchen. Also profiled in the book are "canned ham" trailers, whose shape resembles the profile of a can of ham; small-size examples of America's most beloved vintage trailer, the Airstream; miniscule gypsy caravans in Europe; and fiberglass trailers made in Canada. Two hundred color photographs showcase these trailers' sleek exteriors, retro-styled interiors, and, in many cases, the restored classic cars that tow them. Teardrops and Tiny Trailers includes a resource section chock-full of places to locate vintage trailers, clubs to join, and rallies to attend.

    

    From humorous fishing excursions and frightening bear encounters to snow blinding blizzards and quirky characters, they come face to face with the unpredictable Mother Nature and learn the value of friendship, survival, and solitude in a picturesque but harsh life by the sea. Packed with adventures, challenges, and true Alaskan lifestyle.

    [Penguin Reader Level 2]

     The world is at a turning point similar to the fall of communism. Then, many focused on the collapse itself, and failed to see that a bigger trend, globalization, was about to take hold. The benefits of globalization--through the freer flow of money, people, ideas, and trade--have been many. But rather than a world that is flat, what has emerged is one of jagged peaks and rough, deep valleys characterized by wealth inequality, indebtedness, political recession, and imbalances across the world's economies. These peaks and valleys are undergoing what Michael O'Sullivan calls "the levelling"--a major transition in world economics, finance, and power. What's next is a levelling-out of wealth between poor and rich countries, of power between nations and regions, of political accountability from elites to the people, and of institutional power away from central banks and defunct twentieth-century institutions such as the WTO and the IMF.O'Sullivan then moves to ways we can develop new, pragmatic solutions to such critical problems as political discontent, stunted economic growth, the productive functioning of finance, and political-economic structures that serve broader needs.The Levelling comes at a crucial time in the rise and fall of nations. It has special importance for the US as its place in the world undergoes radical change--the ebbing of influence, profound questions over its economic model, societal decay, and the turmoil of public life.

    But company values stay relatively steady. This insight is the basis of value investing, the capital management strategy that performs best over the long term. With Good Stocks Cheap, you can get started in value investing right now. Longtime outperforming value investor, professor, and international speaker Kenneth Jeffrey Marshall provides step-by-step guidance for creating your own value investing success story. You’ll learn how to: •Master any company with fundamental analysis•Distinguish between a company’s stock price from its worth•Measure your own investment performance honestly•Identify the right price at which to buy stock in a winning company•Hold quality stocks fearlessly during market swings•Secure the fortitude necessary to make the right choices and take the right actions Marshall leaves no stone unturned. He covers all the fundamental terms, concepts, and skills that make value investing so effective. He does so in a way that’s modern and engaging, making the strategy accessible to any motivated person regardless of education, experience, or profession. His plain explanations and simple examples welcome both investing newcomers and veterans. Good Stocks Cheap is your way forward because the Value Investing Model turns market gyrations into opportunities. It works in bubbles by showing which companies are likely to excel over time, and in downturns by revealing which of these leading businesses are the most underpriced. Build a powerful portfolio poised to deliver outstanding outcomes over a lifetime. Put the strength of value investing to work for you with Good Stocks Cheap.

    Today, he is the owner of a flourishing taxi service business and is scouting around to buy a Mercedes Benz...not on a loan but with the wealth he has amassed over the years! How did he get from being a driver to a millionaire? Three simple secrets - he had the courage to dream big, learn about financial planning and implement what he learnt. Now, while you don't need anyone to help you to dream big, here is a book that will teach you everything that Vaibhav learnt. All you have to do is find the tenacity to implement it. Everything, from the importance of saving and investing and the need for life and health insurance to various investment products like mutual funds, SIP, PPF etc. that can enable you to build wealth, is explained in this book in simple and jargon free language. It helps you to choose instruments that are most suitable for you and explains why you would be better off without others. Dream Big simplifies and breaks down common financial planning principles such as risk profiling, asset allocation, portfolio construction, rebalancing etc. and explains the tax implications of various investment decisions. It also contains sections on planning for retirement and a legacy, and financial planning for women, divorced individuals, defence employees, senior citizens, etc.

    David Frum urges a Republican party that is culturally modern, economically inclusive, and environmentally responsible - a party that can meet the challenges of the Obama years and lead a diverse America to a new age of freedom and prosperity.

    What's most important in each story is the unassuming, ordinary, everyday guru who popped into his life and offered the perfect life-lesson for the moment. Rob shares these very interesting life lessons, which helped him gain insights that proved to be superb starting points for a new life.

    This book provides a practical guidebook for those seeking to understand and defeat the Alinsky tactics used by the Obama Administration, Occupy Wall Street, and other far-Left organizations.

    Life was a despairing time in the 1950s, as Veronica sought desperately to keep away from his cruelty. Astonishingly, to her and her mother, she won a scholarship to Ackworth Boarding School where she began to shine above her class-mates. A champion in all sports, Veronica at last found some happiness until her brother-in-law came into her life. It was as if she had stepped from the frying pan into the re: he took over control of her life removing her from the school she adored, two terms before she was due to take her GCEs, so he could put her to work as a cheap option on his market stall. Abused for many years by these two men, Veronica eventually ran away and applied to the Prison Service, knowing it was the only safe place she could trust. This is the astonishing, and true story of Veronica Bird who rose to become a Governor of Armley prison. Given a ‘basket case’ in another prison, contrary to all expectations, she turned it around within a year, to become an example for others to match. During her life inside, her ‘bird’, she met many Home Secretaries, was honoured by the Queen and was asked to help improve conditions in Russian Prisons. A deeply poignant story of eventual triumph against a staggeringly high series of setbacks, her story is filled with humour and compassion for those inside.

    Originally published in 1960, this compact book tells the true story of a German soldier: from his early childhood during the First World War, through to his harrowing experiences on the frontline during the Word War II, culminating in his capture by the Red Army on 20 December 1942…An astonishing first-hand account.

    Daysearlier, while traversing the Straits of Sicily the crew had discovered a crack in one ofthe nuclear reactor pipes, requiring the immediate shutting down of the reactor toprevent a potential reactor accident, an operation never before conducted on a Britishsubmarine at sea.Th e previous six days had been a difficult time for the crew of the submarine. Initialindications of a nuclear reactor defect had quickly escalated into a full scale potential nuclearreactor accident at sea, requiring decisive action by the crew to make the reactor safe, toidentify the defect and attempt to repair the reactor, and then to surface the submarine andto sail her safely back to the nearest safe harbor using emergency propulsion machinerydesigned for very limited use. The resulting lack of electrical power resulted in the crewhaving to sacrifice lighting, air-conditioning, bathing facilities and even hot food until theirreturn to harbor, and to suffer in the excessively hot interior of the boat. Throughout,there remained the fear of exposure to deadly radiation and the uncertainty that the reactormight still be one step away from a major accident.For one man onboard, this episode formed the culmination of a 25 year navalengineering career almost fated for this moment. Charge Chief Stephen Bridgman,the senior nuclear propulsion technician, had needed all of his engineering knowledgeand experience in the identification and eventual repair of the submarine reactor,subsequently being awarded an MBE together with a colleague for his services to navalengineering for his actions.This book provides an insight into a remarkable naval career starting as a 16 year oldStoker on the final proper British aircraft carrier HMS Ark Royal in 1977, throughthe Falklands War, being selected for naval technician training and submarine service,submarine training, submarine patrols in the supposed post cold-war period, theKosovo conflict, progression through the ranks, submarine refi t and refueling throughto the nuclear reactor accident onboard HMS Tireless.While there are countless accounts of naval life during wartime, this book tells theunique story of life as a British naval rating in the modern era, starting from the lowestlevel at a time of decline for the Royal Navy in the late 1970s, and paralleling the majorpolitical and military events of the 1980s and 1990s.

    A potpourri of musings assembled with a hint of practical spirituality, to be savoured passably as an oracle of hearts to the many answers, whose questions our minds are yet to comprehend. Ivory Gleam is split into three chapters of learning, longing and loving. Each chapter is a journey traversing a different road to the ultimate destination of self-reflection.