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.

    It is Charged meets Evicted, focusing on that touchstone issue of the criminal justice reform movement: the insidious use of fines and fees to raise money for broken government budgets off the backs of the poor, and the partnership those governments have formed with for-profit companies that are getting rich on the backs of people incarcerated for minor crimes.In a feat of exceptional reporting, Profit and Punishment reveals a familiar reality to the nation's poor, anchored by the stories of three single mothers living in poverty, one in Oklahoma, one in Missouri, and one in South Carolina, who are abused by a judicial system more focused on debt collection than public safety.All over the country, similar schemes are criminalizing the vulnerable and the poor, with the full support of politicians in both parties. The geography is Missouri, South Carolina, and Oklahoma. The story is American.

     What if the detour signs you are following are a trap? Sharon Perez is finally getting her big break to become a reporter for the Chicago Tribune. Kevin, a seasoned crime reporter has offered to share a breaking news story with her in hopes of sparking a relationship. As Sharon races toward the seedier side of town her GPS guides her to Exit 141. An exit where she is kidnapped, drugged and next in line to face an unspeakable horror. Detectives Nick Stryker and Jen Taylor are called to a crime scene at an abandoned brewery. They find themselves standing over a young family entombed in blue hazmat body bags. The condition of their remains a testament to the evil they had encountered. This highly organized team of killers made two mistakes. The first was leaving a clue as to their identity; the second was committing murder in Detective Nick Stryker's jurisdiction. Nick and Jen frantically follow the one clue they have into a vapor trail of evidence and a storm of violence. As they peel through the layers of horror in the case they realize that Sharon is in the hands of the killers. With time running out and the forces of money and power aligned against them, Nick and Jen fight their way to the twisted and shocking truth.

    Killing demons, reading people's auras, hiding my daddy issues--easy peasy. I'm even good at the hard stuff, like working at a cake shop while staying fit and escaping my mom's wrath on a daily basis. But the one thing I always excelled at was not breaking rules. Until I do. My dad taught me everything I know before he died. I know his many rules by heart. Never let a demon escape after he's seen your face. Never get caught unprepared. And never, ever, ever fraternize with the enemy. Well, Dad, you better take a seat wherever you are, because I'm about to break rules like they're going out of style.

    Innovations rarely come from "experts." Elon Musk was not an "electric car person" before he started Tesla. When it comes to improbable innovations, which are the only innovations that really matter, a legendary tech VC told Sebastian Mallaby, the future can't be predicted, it can only be discovered, through iterative venture-backed experiments. It is the nature of the game that most of these experiments will fail, but a very few successes will succeed at such a scale that they will more than make up for everything else. That extreme ratio of success and failure is the power law that drives the VC sector, and all of Silicon Valley, and the wider tech sector shaped in its image. The implications of that power law echo around the world.In The Power Law, Sebastian Mallaby has parlayed unprecedented access to the most successful venture capitalists of all time - the key figures at Sequoia, Kleiner Perkins, Accel, Benchmark, and Andreessen Horowitz, among others--into a riveting blend of storytelling and analysis that unfurls the whole history of incubating tech companies, in the Valley and ultimately all over the world​. We learn the unvarnished truth, often for the first time, about some of the most iconic successes and infamous disasters in Valley history​, from the comedy of errors that was the birth of Apple to the avalanche of venture money that fostered hubris at WeWork and Uber. We're taken inside the different strategic models of the storied ​venture firms, their virtues and drawbacks​. We see the impact of culture, within VC​ partnerships and the companies they nurture--the importance of consciously tending it, and the disasters that ensue when power is concentrated in the wrong hands.​VCs' relentless search for power-law ​grand slams brews an obsession with the ideal of the lone entrepreneur-genius, and companies seen as potential unicorns are given intoxicating amounts of power, with sometimes disastrous ​results. On a deeper, more systemic level, the need to make outsized bets on unproven talent ​reinforces bias that ​channels money and support to, e.g., a certain kind of white guy from Stanford, with women and minorities still represented, within VCs themselves and the companies they support, at woefully low levels. This doesn't just have social justice implications: China's homegrown VC sector, having learned at the Valley's feet, is exploding, and in short order now has far more women VC heads than America has ever had. Still and all, Silicon Valley VC remains the most successful and influential incubator of business innovation in the world: it is not where ideas come from so much as where they go, to become the products and companies that create the future. Of all the people in the world gambling on the future, this group has made, not just a science of it, but many competing sciences, and The Power Law, by taking us so deeply inside their game, give us the be​nefit of thinking more keenly about our own future through their eyes.

    Researcher and Professor Yong Zhao unlocks the secrets to cultivating independent thinkers who are willing and able to create jobs and contribute positively to the globalized society. This book shows how teachers, administrators and even parents can:Understand the entrepreneurial spirit and harness it Foster student autonomy and leadership Champion inventive learners with necessary resources Develop global partners and resources

    

     The more tools you have at your disposal, the more likely you'll use the right tool for the job — and get it done right. The same is true when it comes to your thinking. The quality of your outcomes depends on the mental models in your head. And most people are going through life with little more than a hammer. Until now. The Great Mental Models: General Thinking Concepts is the first book in The Great Mental Models series designed to upgrade your thinking with the best, most useful and powerful tools so you always have the right one on hand. This volume details nine of the most versatile, all-purpose mental models you can use right away to improve your decision making, productivity, and how clearly you see the world. You will discover what forces govern the universe and how to focus your efforts so you can harness them to your advantage, rather than fight with them or worse yet— ignore them. Upgrade your mental toolbox and get the first volume today!

    Buffett Praise for Common Sense on Mutual Funds "Invoking both Thomas Paine and Benjamin Graham, Jack Bogle outlines a supremely logical plan not only to better investors' returns, but to improve the whole fund industry. This isn't just the best book yet by Bogle, it may well be the best book ever on mutual funds." -DON PHILLIPS, President & CEO, Morningstar, Inc. "Buffett cannot teach you or me how to become a Warren Buffett. Bogle's reasoned precepts can enable a few million of us savers to become in twenty years the envy of our suburban neighbors-while at the same time we have slept well in these eventful times."-PAUL A. SAMUELSON, Massachusetts Institute of Technology Department of Economics "After a lifetime of picking stocks, I have to admit that Bogle's arguments in favor of the index fund have me thinking of joining him rather than trying to beat him. Bogle's wisdom and his commonsense way of explaining things make this book indispensable reading for anyone trying to figure out how to invest in this crazy stock market."-JAMES J. CRAMER, Money Manager and Senior Columnist for TheStreet.com "Written in his characteristic forthright and visionary style, Bogle penetrates the myths and jargon to shed a powerful light on the central issues that confront every investor, no matter what their level of experience or sophistication." -MARTIN L. LEIBOWITZ, Vice Chairman and Chief Investment Officer, TIAA-CREF "Jack Bogle is one of the great pioneer/visionaries of the investment business. In this book, he shares his knowledge, experience, and judgment to enable us to become better investors. The final philosophical chapters provide insights that may help some of us become better people." -BYRON R. WIEN, Chief U.S. Investment Strategist Morgan Stanley Dean Witter

    Howard Farran shows that running a business isn’t all that complicated—if, you’re focusing on the right three areas: •People: maximizing the potential of employees, customers, and yourself.•Time: mastering the efficiency that helps a business turn the biggest profit possible.•Money: learning to love the numbers that function as the business’s scorecard.With simplicity, good humor, and plenty of stories Dr. Farran reveals the actions that can lead anyone to bigger profits, happier people, and a more fulfilling life.

    The science of complexity studies how single elements, such as a species or a stock, spontaneously organize into complicated structures like ecosystems and economies; stars become galaxies, and snowflakes avalanches almost as if these systems were obeying a hidden yearning for order. Drawing from diverse fields, scientific luminaries such as Nobel Laureates Murray Gell-Mann and Kenneth Arrow are studying complexity at a think tank called The Santa Fe Institute. The revolutionary new discoveries researchers have made there could change the face of every science from biology to cosmology to economics. M. Mitchell Waldrop's groundbreaking bestseller takes readers into the hearts and minds of these scientists to tell the story behind this scientific revolution as it unfolds.

    Auditing is perhaps our single best defense in ensuring the integrity of our financial reporting system. That's why this new Eighth Edition of Boynton and Johnson's Modern Auditing focuses on decision making and the critical role auditors play in providing assurance about the integrity of the financial reporting system. Known for its clear writing and accessibility, this text provides comprehensive and integrated coverage of current developments in the environment, standards, and methodology of auditing. Features * Real-world examples relate issues discussed in the chapter to ethics, audit decision making, and the integrity of the financial reporting system. * Focus on Audit Decisions sections highlight key factors that influence an auditor's decisions. * Includes discussion of the role of the Public Company Accounting Oversight Board (PCAOB) Auditing Standards, and a chapter feature highlights PCAOB standards that differ from Generally Accepted Auditing Standards for private companies. * Expanded case material related to the integrated audit case (Mt. Hood Furniture) provides a variety of databases that allow students to utilize generalized audit software (IDEA) to accomplish various audit tasks. Multiple databases allow the case to be reused with different data from term to term. * A flowchart style chapter preview begins each chapter. * Chapter summaries reinforce important audit decisions included in the chapter. * End-of-chapter material organized by audit decisions provides a clear link between audit decisions discussed in each chapter and the problem material.

     Discover what happens to Max and Ellie in His End Game. Find out why Piper is running from Gage in Not Letting Go. Watch Dillon finally meet his match in One More Time. Read about the whole gang in Right Side Up. Learn why Cas has commitment issues in Keep It Simple. And say goodbye in The Last Call. But wait! It's not over yet. Make sure and check out the bonus chapters at the end!

    In an effort to escape from a loveless future, she tries to convince her mother to let her marry the man that has been courting her instead. However, Rachel’s world collapses when he betrays her, and she is forced to follow her parents’ wishes, although finding love seems impossible to her. She is determined not to give her heart away a second time, as she isn’t ready to trust anyone, especially Lee, her husband-to-be. Although a bit reserved and homesick upon their first meeting, she can't help but notice a connection and considers giving him a chance. Is their blooming love strong enough to thaw her heart and help her overcome the doubts that threaten to keep her from happiness?Left with no other choice than to quit being a bounty hunter, Lee decides to settle down in Texas as a cattle farmer. His life is turned upside down once again, when his fiancée abandons him two days before their wedding, leaving him betrayed and heartbroken. Falling in love is now out of the question for Lee, but in a moment of weakness, he writes to a mail-order bride agency and before he knows it, Rachel is on her way. She is hard-working, caring, and kind, and he finally dares to dream of a happy future with her. How can he surpass his deep wounds and accept that being with Rachel might be his only chance for love, while his past is coming for revenge?What started as a simple business partnership for Rachel and Lee, soon becomes a mutual attraction, challenging their limits and plans. When secrets from the past surface and they are forced to deal with them, will they be able to trust each other and accept their feelings? Or will they let second thoughts and mistrust come between them and tear them apart?

    Through his simple 5-Step Action Plan, Ed Slott�s down-to-earth, clear-cut, and often humorous approach shows everyday investors how to distribute, roll over, withdraw, and secure their retirement savings (and their inherited nest eggs) against Uncle Sam.