This book provides the quintessential information needed to understand the financial side of the retirement planning coin. You’ll begin by learning about the various plan types employers may offer their employees. Topics related to compliance testing will be thoroughly discussed as well as strategies used to legally shift benefits in favor of highly compensated employees (HCEs). However, some employers do not sponsor a plan; and when this happens, retirement savers will need to understand the options available within the world of individual retirement accounts (IRAs). This book is not intended to provide investment advice, but rather to explore how different retirement savings vehicles function and how they can be effectively deployed. This book also discusses non-investment-related topics such as housing options, Social Security planning, Medicare planning, and a few other basic insurance-based issues faced by all retirees.
This book provides the quintessential information needed to understand the financial side of the retirement planning coin. The reader will begin by learning about the various plan types employers may offer their employees. Topics related to compliance testing will be thoroughly discussed as well as strategies used to legally shift benefits in favor of highly compensated employees (HCEs). However, some employers do not sponsor a plan. In this instance, retirement savers will need to understand the options available within the world of individual retirement accounts (IRAs). This book is intended to serve as a guide to how different retirement savings vehicles function and how they can be effectively deployed. Many financial professionals find that their clients ask questions about all aspects of their financial life. For this reason, this book also discusses non-investment-related topics such as housing options, Social Security planning, Medicare planning, and a few other basic insurance-based issues faced by all retirees.
Ancestral Presence tells a history that has more than one history in it while also telling the story of the relation between worlds. For the Fuyuge people of the Papuan highlands, the past is not ‘history’ in a conventional sense. For them, the world and its history derive from a creator force called Tidibe which is central to Fuyuge cosmology: the Fuyuge are at the ‘centre of the world’. But Fuyuge people are part of another history, too: they have experienced decades of mission and government influence from centres of power located elsewhere, to which their mountain home is marginal and remote. Through a detailed exploration of Fuyuge myth, changes to ritual life and cosmology, Eric Hirsch weaves an account of the relationship between these two histories. He documents the real changes wrought by colonialism, government and Christianity from the late nineteenth century to the turn of the millennium. Yet this is not a story of ‘continuity and change’. Hirsch demonstrates how transformation was always central to Fuyuge life: changes brought by missionaries and government were processes they themselves initiated in the ancestral past through Tidibe, the cosmological creator force. Engaging in debates that have been pivotal to Melanesian anthropology, the book presents an ethnographically rich account of a distinctive world, cosmology and ideas of historical change. It also raises questions regarding assumptions central to Western History, its worldview and ideas of historical time.
POST is a look at how post-hardcore/emo music developed since its unintentional inception in the mid-1980s. With each chapter broken up by influential band or label, it focuses on a broad style of independent music that developed because of the Do-It-Yourself (DIY) ethic. Focusing on bands like Fugazi, Jawbox, Jawbreaker, Sunny Day Real Estate, Braid, the Promise Ring, Hot Water Music, the Get Up Kids, At the Drive-In, and Jimmy Eat World, as well as labels like Dischord, Jade Tree, and Vagrant, these bands and labels came from the ideas of DIY and sustained them. In turn, they inspired plenty that came after them. Looking at the surroundings and circumstances from where they came, this a look at the bonds that formed and the music that came out. ". . . a gripping, Our Band Could Be Your Life-style narrative," - Aaron Burgess, writer for Alternative Press and Revolver.
Thirty pediatrics physical therapy cases sharpen students’ critical thinking skills and prepare them for real-world practice This unique review features case studies that help physical therapy students successfully transition from coursework to clinical work. Each of the more than thirty cases includes a discussion of the health condition, examination, evaluation, diagnosis, plan of care, and interventions, evidence-based practice recommendations, and references. NPTE-style review questions accompany each case, reinforcing students’ learning. These case studies give students practical experience before they actually work with patients and helps build the confidence they need to succeed in real-world clinical practice. Analysis of the case includes remediation material, making the book almost completely self-contained Spares instructors from having to create their own cases as is often done
The interaction between biology and evolution has been the subject of great interest in recent years. Because evolution is such a highly debated topic, a biologically oriented discussion will appeal not only to scientists and biologists but also to the interested lay person. This topic will always be a subject of controversy and therefore any breaking information regarding it is of great interest.The author is a recognized expert in the field of developmental biology and has been instrumental in elucidating the relationship between biology and evolution. The study of evolution is of interest to many different kinds of people and Genomic Regulatory Systems: In Development and Evolution is written at a level that is very easy to read and understand even for the nonscientist. * Contents Include* Regulatory Hardwiring: A Brief Overview of the Genomic Control Apparatus and Its Causal Role in Development and Evolution * Inside the Cis-Regulatory Module: Control Logic and How the Regulatory Environment Is Transduced into Spatial Patterns of Gene Expression* Regulation of Direct Cell-Type Specification in Early Development* The Secret of the Bilaterians: Abstract Regulatory Design in Building Adult Body Parts* Changes That Make New Forms: Gene Regulatory Systems and the Evolution of Body Plans
The first ever comprehensive field guide dedicated to the birds of the Netherlands Antilles. Located in the southern Caribbean off the coast of Venezuela, the islands of Aruba, Curaçao and Bonaire are popular tourist destinations. This compact, portable guide is designed to help identify the many wonderful birds that live there. The book features colour illustrations and descriptions of every species known to occur naturally on the islands. - First-ever comprehensive field guide to the birds of the western Lesser Antilles - Complete coverage of the islands including residents, migrants and vagrants - 1,000 illustrations on 71 colour plates, depicting every species and most plumages and races - Concise text on facing pages highlights key identification features, including voice, habitat, behaviour and status
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