The Bogleheads are back-with retirement planning advice for those who need it! Whatever your current financial situation, you must continue to strive for a viable retirement plan by finding the most effective ways to save, the best accounts to save in, and the right amount to save, as well as understanding how to insure against setbacks and handle the uncertainties of a shaky economy. Fortunately, the Bogleheads, a group of like-minded individual investors who follow the general investment and business beliefs of John C. Bogle, are here to help. Filled with valuable advice on a wide range of retirement planning issues, including some pearls of wisdom from Bogle himself, The Bogleheads' Guide to Retirement Planning has everything you need to succeed at this endeavor. Explains the different types of savings accounts and retirement plans Offers insights on managing and funding your retirement accounts Details efficient withdrawal strategies that could help you maintain a comfortable retirement lifestyle Addresses essential estate planning and gifting issues With The Bogleheads' Guide to Retirement Planning, you'll discover exactly what it takes to secure your financial future, today.
In Counterterror Offensives for the Ghost War World: The Rudiments of Counterterrorism Policy, Richard J. Chasdi has written a groundbreaking quantitative analysis that provides new insight into which types of counterterror practices work best and which types perform poorly in particular operational environments and circumstances. For Chasdi, "effectiveness" is defined as the capacity of counterterror practices to work with "stealth"-namely, without eliciting high amounts of related follow-up terrorist assaults. He moves beyond individual country analyses to tackle an analysis of counterterror practice effectiveness based on the type of political system of the country carrying out counterterror offensives and the power level of that country within the international political system. Chasdi furthermore provides essential qualitative descriptions of national security institutions, stakeholders, and processes to frame his quantitative results in ways that tie those findings to historical and contemporary political developments.
Author Richard A. Schaefer was a lifelong communicator, fascinated by stories and, like any good journalist, dug for the facts and verified sources, exploring nagging questions such as "Is creation or evolution more credible, based on science and expert opinions?" This book truly represented a personal passion of looking at all sides of the CREATION vs. EVOLUTION issue. He called on many experts and theorists-including Charles Darwin himself. Surprisingly, Darwin was far more skeptical of his own theories than are many PhDs today, and admitted to significant holes in his logic. Read for yourself, as great thinkers explore the pros and cons of both theories and their variants.
Investing for a Lifetime is designed to make saving and investing understandable to the investor. Wharton Professor Richard C. Marston, 2014 recipient of the Investment Management Consultants Association’s prestigious Matthew R. McArthur Award, guides an investor through the main investment decisions throughout a lifetime. Investing for a Lifetime shows: how younger investors can set savings goals how both younger and older investors can choose investment portfolios to achieve these goals how investors can sustain spending once reaching retirement. Younger and older investors alike should understand savings goals that will provide enough income to sustain spending in retirement. They should devise rates of saving that allow them to reach their goals by the time of retirement. Though retirement is often the main goal of investing, it’s not the only one. Marston discusses how funding a child’s education or saving for a down payment for a home affects overall saving. Sensible investing is also necessary for savings goals to be realized. Investing need not be complicated, but Marston explains that a diversified portfolio should include a mix of different types of U.S. stocks, foreign stocks, real estate as well as bonds. He describes each of these asset classes and shows how they fit in an investor’s portfolio. He shows how investors can monitor the performance of their portfolios by establishing benchmarks for each asset class to judge how well their investments are doing. He focuses particular attention on those investors nearing retirement. In today’s low interest rate environment, he discusses whether it is possible to fund retirement from interest and dividends alone. He shows how savings combined with Social Security can fund retirement spending. And he asks how the “New Normal” of lower returns might force investors to save more than in past decades, and to spend less in retirement than in the past. Investing for a Lifetime is for investors who want to understand more about the savings and investment process, particularly those who worry about whether their retirement savings will last a lifetime.
This volume in the Greenwood Guides to Biomes of the World: series covers the freshwater biomes that exist in wetlands, ponds and lakes, and rivers and streams, examining all aspects that define these biomes: Vegetation, Geographical Distribution, Challenges posed by the environment, Adaptation of the plants and animals to the environment.
Legal Ways to Save Taxes Offshore and Onshore is an annotated checklist of tax reduction methods that are sanctioned by the U.S. tax law and will work offshore or onshore. Each method includes an indication of whether it is affected by the alternative minimum tax. Reduction methods are organized in the sequence of the personal form 1040.
This companion to Kryger et al.'s PRINCIPLES AND PRACTICE OF SLEEP MEDICINE focuses on the diagnosis and treatment of a full range of sleep disorders in children. Recognized leaders in the field offer definitive guidance on virtually all of the sleep-associated problems encountered in pediatrics, from sleep and colic...to obstructive sleep apnea, neurological disorders, and hypersomnias...to sleep-related enuresis. Presents up-to-date information of the field's hottest topics in chapters on Pharmacology of Sleep in Children · Epidemiology of Sleep Disorders During Childhood · Circadian Rhythm Disorders: Diagnosis and Treatment · and Differential Diagnosis of Pediatric Sleep Disorders. Organizes information into separate sections covering normal and abnormal sleep, for quick reference. Makes further investigation easy with abundantly referenced chapters. Addresses both medical and psychiatric sleep disorders. Features the expertise of Drs. Sheldon, Kryger and Ferber - renowned authorities in the field of sleep medicine.
In this insightful book, now in its third edition, you will discover several investment strategies and techniques designed to teach you how to invest wisely for long-term financial success. With wit and humor, Richard Everett presents the basic toolkit and knowledge you need to become a great investor. Colored with biblical wisdom and direct financial advice from God's Word, Everett's honest, straightforward, and often humorous anecdotes clearly guide you in making God-honoring decisions with your wealth. RICHARD EVERETT has worked in the financial arena for over 35 years. Named Financial Planner of the Year, Richard has taught financial courses to thousands of people via his radio and television shows, his books and in person. Richard is also an internationally known speaker. He has presented biblical-based financial principles in churches, conferences, Bible colleges and universities, including The Yale University School of Management Believers in Business Conference. Topics include: Stocks and the Stock Market, Bonds, Mutual Funds and Exchange Traded Funds (ETFs), Real Estate Investment Trusts (REITs), Annuities, Portfolio building, and more! Richard was named Financial Planner of the Year in 1996 by First Financial Planners.
The American Villain: Encyclopedia of Bad Guys in Comics, Film, and Television seeks to provide one go-to reference for the study of the most popular and iconic villains in American popular culture. Since the 1980s, pop culture has focused on what makes a villain a villain. The Joker, Darth Vader, and Hannibal Lecter have all been placed under the microscope to get to the origins of their villainy. Additionally, such bad guys as Angelus from Buffy the Vampire Slayer and Barnabas Collins from Dark Shadows have emphasized the desire for redemption—in even the darkest of villains. Various incarnations of Lucifer/Satan have even gone so far as to explore the very foundations of what we consider "evil." The American Villain: Encyclopedia of Bad Guys in Comics, Film, and Television seeks to collect all of those stories into one comprehensive volume. The volume opens with essays about villains in popular culture, followed by 100 A–Z entries on the most notorious bad guys in film, comics, and more. Sidebars highlight ancillary points of interest, such as authors, creators, and tropes that illuminate the motives of various villains. A glossary of key terms and a bibliography provide students with resources to continue their study of what makes the "baddest" among us so bad.
Chasdi (peace and conflict studies and political science, Wayne State U.) investigates the empirical behavior of different types of Middle East terrorist groups active during the period, identifying particular types of targeting behavior and event attributes. He also looks at the formative processes of terrorist groups, their splintering, and their decline, focusing on why they form and evolve the way they do. Annotation copyrighted by Book News, Inc., Portland, OR
Therapy in Sleep Medicine, by Drs. Teri J. Barkoukis, Jean K. Matheson, Richard Ferber, and Karl Doghrami, provides the clinically focused coverage you need for rapid diagnosis and effective treatment of sleep disorders. A multidisciplinary team of leading authorities presents the latest on sleep breathing disorders (including obstructive sleep apnea), neuropharmacology, parasomnias, neurologic disorders affecting sleep, sleep therapy for women, sleep therapy in geriatric patients, controversies, and future trends in therapy in a highly illustrated, easy-to-follow format. Diagnose and treat patients effectively with complete coverage of the full range of sleep disorders. Find diagnostic and treatment information quickly and easily thanks to a highly illustrated, easy-to-read format that highlights key details. Stay current on discussions of hot topics, including sleep breathing disorders (including obstructive sleep apnea), neuropharmacology, parasomnias, neurologic disorders affecting sleep, sleep therapy for women, sleep therapy in geriatric patients, controversies, and future trends in therapy. Tap into the expertise of a multidisciplinary team of leading authorities for well-rounded, trusted guidance.
For many, retirement has become increasingly difficult to both attain and afford. But there is a way today's 401(k) participant, as well as those contributing to similar retirement savings plans, can turn their retirement dreams into reality. With over twenty-five years of experience consulting on retirement plans, author Richard Schmitt knows what it takes to make the most of them, and now, in 401(k) Day Trading: The Art of Cashing in on a Shaky Market in Minutes a Day, he shows you how. Divided into four comprehensive parts, this reliable resource takes you step-by-step through the environment, rationale, and process of day trading your retirement portfolio in minutes a day. It skillfully outlines an approach to buying low and selling high through daily fund exchanges—that draws on many of the fundamental principles of investment management—to exploit daily market volatility.
This book is for teens and college age individuals to learn how to stay out, or get out, of financial trouble, live within their means and build a solid financial future. Learn strong money habits early and skip the debt habit typically created in the first years of financial (ir)responsibility. Avoid early debt creation by avoiding credit cards and car loans while you learn to spend and save wisely. Create real capital wealth when you learn to save early and grow your savings to income generating wealth. Remove the stress of money from your life, and add the tool of money to your financial arsenal.
Unique in its structure, Federal Income Taxation presents core materials that cover the basics of tax law and also offers “cells” at the end of each chapter that are self-contained units with more in-depth discussion of certain topics. This flexible structure allows professors to customize their tax course by selecting only the additional in-depth materials they want to use. The stellar author team, with years of scholarship and teaching experience, presents a core text that covers the leading cases and explains the substantive tax law that is essential to a basic understanding of federal income tax law and principles. The self-contained, optional units at the end of the book — “cells” —supplement the core text by providing additional material and treat a limited number of topics in greater detail. Notes and questions provide background information and place the cases and statutes in context. More than 150 problems are interspersed throughout the core text and the cells that challenge students to apply the Code, regulations, and income tax theory to specific situations. New to the 6th Edition Legislative developments, including tax provisions contained in the 2020 Coronavirus Aid, Relief, and Economic Security Act, the 2021 American Rescue Plan Act, and the 2022 Inflation Reduction Act. New cases reflecting developments since the previous edition All materials updated to reflect regulatory and other developments since the previous edition interpreting, responding to, or otherwise relating to, the 2017 Tax Cuts and Jobs Act changes. Professors and students will benefit from New cases reflecting developments since the previous edition. Core text (about 500 pages) that covers the leading cases and explains the substantive tax law that is essential to a basic understanding of federal income tax law and principles. Novel "Cells," self-contained, optional units at the end of each chapter that supplement the core text by presenting additional material and treating a limited number of topics in greater detail. Notes and questions providing background information and placing the cases and statutes in context. More than 150 problems throughout the core text and cells that challenge students to apply theory to specific situations. An annual "inflation supplement" that provides updated problems and answers to reflect inflation adjustments for the upcoming year, as well as updated tables where relevant.
Even though terrorism poses an increasing threat to multinational companies, corporate leaders can thwart attacks by learning to navigate the complexities of foreign governments, social unrest, and cultural dissonance. Multinational corporations are on the front lines of terrorism and cyberattacks—two of the world's biggest threats to global security. How can corporate leaders mitigate their organizations' risks and develop an infrastructure that detects and deters a security menace before it happens? This timely reference lays out essential political context and historical background to help executives identify contemporary threats and understand the interconnections between threat dynamics in an increasingly dangerous international environment. This compelling work is organized into seven chapters. The beginning chapters profile the specific risks for multinational companies and detail which global—and regional—factors might propagate violence targeted at American-based businesses. Next, two historical case studies on terrorist assaults at Tigantourine and Mombasa illustrate how counterterrorism can successfully thwart potential attacks against business targets. The final part describes industrial espionage and criminal activity and then outlines a corporate counterterror blueprint to combat the prospect of terrorism, providing specific recommendations for preventative measures.
A new edition with the latest approaches to assessment and treatment of suicidal behavior With more than 800,000 deaths worldwide each year, suicide is one of the leading causes of death. The second edition of this volume incorporates the latest research, showing which empirically supported approaches to assessment, management, and treatment really help those at risk. Updates include comprehensively updated epidemiological data, the role opioid use problems, personality disorders, and trauma play in suicide, new models explaining the development of suicidal ideation, and the zero suicide model. This book aims to increase clinicians' access to empirically supported interventions for suicidal behavior, with the hope that these methods will become the standard in clinical practice. The book is invaluable as a compact how-to reference for clinicians in their daily work and as an educational resource for students and for practice-oriented continuing education. Its reader-friendly structure makes liberal use of tables, boxed clinical examples, and clinical vignettes. The book, which also addresses common obstacles in treating individuals at risk for suicide, is an essential resource for anyone working with this high-risk population.
Long considered the bible of thoracic surgery, this comprehensive two-volume textbook guides you through virtually every open and endoscopic surgical technique with expert commentary by the leaders in thoracic surgery from around the world. Coverage includes extensive sections on lung cancer and other pulmonary tumors. All facets of thoracic disease are covered from anatomy and embryology to diagnostics, including extensive radiological sections. Multidisciplinary contributions on medical treatment, radiation oncology, and surgery and anesthesia are included. Highlights include new material on minimally invasive procedures and thoroughly updated diagnostic and treatment information. Operative checklists are included in procedural chapters, and procedures are presented as bulleted to-do lists wherever possible. A companion Website will offer the fully searchable text with all images and video clips of selected procedures.
The definitive core text in its field, Stroke Recovery and Rehabilitation is a comprehensive reference covering all aspects of stroke rehabilitation ó from neurophysiology of stroke through the latest treatments and interventions for functional recovery and restoration of mobility. This second edition is completely updated to reflect recent advances in scientific understanding of neural recovery and growing evidence for new clinical therapies. The second edition ó which includes free e-book access with every print purchase ó continues to provide in-depth information on the assessment and management of all acute and long-term stroke-related impairments and complications including cognitive dysfunctions, musculoskeletal pain, and psychological issues. It examines risk factors, epidemiology, prevention, and neurophysiology as well as complementary and alternative therapies, functional assessments, care systems, ethical issues, and community and psychosocial reintegration. With contributions from over 100 acknowledged leaders from every branch of the stroke recovery field, this edition features expanded coverage of key issues such as the role of robotics and virtual reality in rehabilitation. New chapters have been incorporated to cover fields of recent exploration including transcranial magnetic stimulation, biomarkers, and genetics of recovery as well as essentials like the use of medication and the survivorís perspective. The up-to-date presentation of scientific underpinnings and multi-specialty clinical perspectives from physical medicine and rehabilitation, neurology, physical therapy, occupational therapy, speech and language pathology, and nursing ensures that Stroke Recovery and Rehabilitation will continue to serve as an invaluable reference for every health care professional working to restore function and help stroke survivors achieve their maximum potential. New to Stroke Recovery and Rehabilitation, Second Edition All chapters are thoroughly revised and updated to reflect advances in scientific understanding of neural recovery and clinical progress Five completely new chapters and expanded coverage of key issues that drive the field forward New contributions from leading stroke specialists from all involved disciplines Includes access to the fully-searchable downloadable ebook
A useful resource for attorneys practicing in the business, commercial and corporate areas, covering such topics as: business formation and organization; business valuation; corporate securities; dividends and distribution; mergers and takeovers; and, S corporation formations and related tax rules.
Rothman-Simeone The Spine helps you achieve optimal outcomes in the clinical practice of spine surgery in adults and children. Drs. Harry N. Herkowitz, Steven R. Garfin, Frank J. Eismont, Gordon R. Bell, Richard Balderston, and an internationally diverse group of authorities help you keep up with the fast-paced field and get the best results from state-of-the-art treatments and surgical techniques, such as spinal arthroplasty and the latest spinal implants and equipment. An all-new full-color design and surgical videos online at www.expertconsult.com make this classic text more invaluable than ever before. Get the best results from the full range of both surgical and non-surgical treatment approaches with guidance from the world’s most trusted authorities in orthopaedic spine surgery. Find important information quickly through pearls, pitfalls, and key points that highlight critical points. Watch experts perform key techniques in real time with videos, on DVD and online, demonstrating minimally invasive surgery: SED procedure; thorascopic techniques; lumbar discectomy; pedicle subtraction osteotomy (PSO); C1, C2 fusion; intradural tumor; cervical laminoforaminoty; and much more. Apply the newest developments in the field thanks to expert advice on minimally invasive surgery, spinal arthroplasty and the latest spinal implants and equipments. See procedures clearly through an all new full-color design with 2300 color photographs and illustrations placed in context. Access the fully searchable contents of text online at www.expertconsult.com.
With the many additions to the campus of Stanford University since the publication of our book, including the Frances Arrillaga Alumni Center by Hoover Associates / The SWA Group, the James H. Clark Center for Bio Sciences & Bio Engineering by Foster and Partners / Peter Walker and Partners, and the Carnegie Institution by Esherik Homsey Dodge and Davis, it is time for a revised edition of our guide. The original 1891 campus, conceived by Frederick Law Olmsted and executed by architects Shepley, Rutan and Coolidge, balances architecture, landscapes, and the natural surroundings in a composition of classic formal beauty. Stanford is a model of university design, from the nineteenth- century Memorial Court and Main Quad to twentieth-century buildings and restorations that respect the historic campus while contributing to modern design. This revised edition features 16 new pages on the additions to the campus and many updated entries with new photography.
Richard Alderman, The People's Lawyer,T cuts through the legal jargon and helps you protect yourself, your family, and your property. This latest, updated edition gives you practical, easy-to-understand answers all kinds of everyday questions about divorce, child support, and child custody; credit, bankruptcy, and debt collection; starting a business; leases and tenant rights; small claims court and lawyers; wills and probate; false advertising and warranties; immigration; and many other important legal concerns.
Could World War I have been averted if Franz Ferdinand and his wife hadn't been murdered by Serbian nationalists in 1914? What if Ronald Reagan had been killed by Hinckley's bullet? Would the Cold War have ended as it did? In Forbidden Fruit, Richard Ned Lebow develops protocols for conducting robust counterfactual thought experiments and uses them to probe the causes and contingency of transformative international developments like World War I and the end of the Cold War. He uses experiments, surveys, and a short story to explore why policymakers, historians, and international relations scholars are so resistant to the contingency and indeterminism inherent in open-ended, nonlinear systems. Most controversially, Lebow argues that the difference between counterfactual and so-called factual arguments is misleading, as both can be evidence-rich and logically persuasive. A must-read for social scientists, Forbidden Fruit also examines the binary between fact and fiction and the use of counterfactuals in fictional works like Philip Roth's The Plot Against America to understand complex causation and its implications for who we are and what we think makes the social world work.
Master the basics of sleep medicine with this easy to read, award-winning text! Fundamentals of Sleep Medicine, 2nd Edition, by Drs. Richard B. Berry, Mary H. Wagner, and Scott M. Ryals, is an ideal resource for sleep medicine fellows and trainees, sleep technicians, and sleep medicine practitioners as a concise, clinically focused alternative to larger references. Beginning with core content, it then proceeds to information useful for everyday practice—all written in a clear, direct style designed for quick and easy access. - Features video content that demonstrates common sleep disorders. - Includes more than 350 updated multiple-choice questions and answers for self-assessment and board preparation. - New! Offers concise Key Points at the end of each chapter, expanding on information from Drs. Berry and Wagner's popular book Sleep Medicine Pearls to enhance your understanding. - Provides updated references to AASM scoring guidelines and diagnostic criteria for sleep disorders. - Illustrated with numerous diagrams, charts, and polysomnograms (sleep studies) to clarify complex concepts. - Any additional digital ancillary content may publish up to 6 weeks following the publication date.
Among the most influential models in contemporary behavioral science, self-determination theory (SDT) offers a broad framework for understanding the factors that promote human motivation and psychological flourishing. In this authoritative work, SDT cofounders Richard M. Ryan and Edward L. Deci systematically review the theory's conceptual underpinnings, empirical evidence base, and practical applications across the lifespan. Ryan and Deci demonstrate that supporting people's basic needs for competence, relatedness, and autonomy is critically important for virtually all aspects of individual and societal functioning."--Jacket.
Richard M. Coe has developed such a “grammar,” one which uses a simple graphic instrument to analyze the meaningful relationships between sentences in a passage and to clarify the function of structure in discourse. Working in the tradition of Christensen’s generative rhetoric, Coe presents a two-dimensional graphic matrix that effectively analyzes the logical relations between statements by mapping coordinate, subordinate, and superordinate relationships. Coe demonstrates the power of his discourse matrix by applying it to a variety of significant problems, such as how to demonstrate discourse differences between cultures (especially between Chinese and English), how to explain precisely what is “bad” about the structure of passages that do not work, and how best to teach structure. This new view of the structure of passages helps to articulate crucial questions about the relations between form and function, language, thought and culture, cognitive and social processes.
MAKE DOLLARS AND SENSE OF THE NEW TAX LAW! The brand new $1.35 trillion tax relief act, which introduced hundreds of changes in United States tax law, is a hundred-page maze of detail. Let the tax experts at PricewaterhouseCoopers, the nation's largest accounting firm, lead you through the often-bewildering reforms and show you how to profit from this new law. In easy, accessible language, they will teach you the best ways to invest your money, organize your small business, save for your kids' education, plan for your retirement, and secure your future. Starting this year, you'll benefit from sweeping changes in areas like estate tax, relief for married couples, dependent care and child tax credits, and contribution limits for retirement plans. But while the 2001 Tax Relief Act offers the largest tax cut in two decades, it creates many tricky issues for taxpayers. Inside you'll find clear answers to hundreds of questions, including: * Should you take advantage of the increased contribution limits to an Education IRA, even though it may hurt your chances of getting financial aid? * Should your new small business be a regular corporation? Or will organizing as an LLC or an S-Corporation save you money? * Will deferring income to a later year when rates are lower trigger the dreaded Alternative Minimum Tax? * Can you deem your stocks to have been sold and repurchased on January 2, 2001 to be eligible for the new super-long-term capital gains rate? * Can you take advantage of additional "catch-up" contributions to a qualified retirement plan? In this comprehensive, easy-to-understand guide, the leading experts at PricewaterhouseCooper provide unique insights, savvy suggestions, and vivid examples that will help you minimize your taxes while maximizing your savings--no matter your income level!
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