Best Retirement Planning
The key to achieving an active and satisfying retirement involves a great deal more than having adequate financial resources; it also encompasses all other aspects of life -- interesting leisure activities, creative pursuits, physical well-being, mental well-being, and solid social support. There are many ingredients of a happy retirement and several retirement planning tools that help retirees plan for their retirement in new and more meaningful ways. How to Retire Happy Wild, and Free helps readers create an active, satisfying, and happy retirement in a way such that they don't need a million dollars to retire. Ernie is the author of the international bestsellers "The Joy of Not Working" (over 250,000 copies sold and published in seventeen languages) and "How to Retire Happy, Wild, and Free" (over 175,000 copies sold and published in nine languages), two life-changing books that have helped hundreds of thousands of individuals around the world live happier and more satisying lives. Ernie's latest books include the inspirational novel "Look Ma, Life's Easy: How Ordinary People Attain Extraordinary Success and Remarkable Prosperity" and its companion "Life's Secret Handbook: Reminders for Adventurous Souls Who Want to Make a Big Difference in This World".
Reviews
Find Best Price at Amazon"The material is important and good since the author really explores the non-financial aspects of retirement – whereas many retirement books are financial in orientation which only a small part of the puzzle."
"Reading this book has set me on a path of investigation, motivation, contemplation and serious planning to escape from the traditional notions of retirement."
"Some interesting comments and several great lists of recommendations and retirement sites, but also a lot of common recommendations and common discussions on retirement."
"Very healthy helpful view or retirement."
"It also cautioned the reader even after retiring there is a temptation to concentrate on the financial aspects to the neglect of considering opportunities that do not necessarily focus on financial gain or loss."
"While I have always known I want to have the fewest regrets at the end, this book gives you common sense advice and encourages fun as well as meaning."
"This book is filled with so many inspirational tips on focusing on the wonderful and positive side of retirement."
"Thought there would be real life examples and actual tips."
This new edition features fresh material on exchange-traded funds and investment opportunities in emerging markets; a brand-new chapter on “smart beta” funds, the newest marketing gimmick of the investment management industry; and a new supplement that tackles the increasingly complex world of derivatives. “Imagine getting a week-long lesson on investing from someone with the common sense of Benjamin Franklin, the academic and institutional knowledge of Milton Friedman and the practical experience of Warren Buffett.
Reviews
Find Best Price at Amazon"I have long ago realized that though I am interested in the workings of the market, I am not going to delve to the minutiae of companies and different trades and try to be smarter than someone else on the other side who thinks he’s doing the same thing. Malkiel and Bogle figured out a way I could get away with making the most return possible with the least effort possible - indexing. I think that the second part is more true than the first, and that’s what this book really digs into, showing you that there are no persistent ways to beat the market. I read this burning through the pages on a long holiday weekend, and I wanted to send it to my parents. Even if the best strategy is to buy and hold a low cost index fund, if everyone did that liquidity and price discovery would drop."
"Its a must read if you plan or already have money in stock market."
"Very informative and a book any and every investor should read (especially the younger investor)."
"Gives a wide variety of information for the user to do with as they please."
"As the author says, 95% of information one reads or obtains is worth nothing."
"A perfect book to guide any investor through the annals of the complicated world of investments, so that you wind up with long-term success by taking your share of market returns while protecting your downside."
"While I am somewhat worried in the current state of the economy and the stock market, I have faith in Malkiel's thesis in that I will be better off holding out through the storms and buying mutual, index funds which will make me better off in the long run."
"It gives wonderful advice that has proven true time and again, but this isn't going to work well in say, a junior high classroom, or used as last-minute reading on a plane."
When you hear the word retirement, you probably don't imagine yourself scrambling to pay your bills in your golden years. Hogan helps people plan for their future and reach their retirement goals through his Retire Inspired Live Event and R:IQ Assessment tool.
Reviews
Find Best Price at Amazon"(basically save small amounts if you are young and if you wait until you get older save LOTS and considering keep working or sell your home). (Like being coddled by a giant teddy bear that keeps you safe and warm..... while yelling at you about retirement). Hope this review helps you, if so please click the "helpful" link below :)."
"The only one who can save you from having to eat dog food to stretch dollars in your golden years (a tragically true Chris Hogan anecdote from the book) is YOU. I appreciated Hogan's inclusion of both offensive (investing) and defensive aspects of retirement (insurances and estate planning), but I don't need to be told that car leases and reverse mortgages are terrible ideas. I understand that there are certain subjects that the Ramsey team does not endorse, such as commodities and annuities, but it would have been nice for more educated readers to hear all sides of these debates. And don't get your hopes up over learning more about passive investing and robo-advisors: Ramsey Solutions has a vested interest in endorsing actively managed mutual funds."
"So I am reviewing this from the perspective of a huge Dave Ramsey fan who is very interested in seeing what his new "Ramsey Personality" (Chris Hogan) has to offer. Chris Hogan is, afterall, a full-fledged "Ramsey Personality" that operates under the Dave Ramsey brand. As such, nearly everything in Retire Inspired is consistent with Dave's advice and brand. In the context of Dave Ramsey's 7 Baby Steps (made famous in his Total Money Makeover book), Retire Inspired is really about steps 4-7. If you want to get anything out of this book, you should already be through steps 1-3 before worrying about your retirement, unless you plan on re-reading this later on when you get there. The foreword of this book (by Dave Ramsey) briefly recaps these seven baby steps and it is important to understand them before delving into Retire Inspired as they are constantly referenced throughout. * Chris Hogan *. Like many, I first heard of Chris Hogan by his many guest appearances on the Dave Ramsey show. Seriously, I would recommend anyone interested in reading Retire Inspired first listen to just ten minutes of him speaking, so that you'll be able to read the entire book in his voice rather than in the voice of a faceless financial guru. I've heard Dave Ramsey mention in jest the fictional book "100 Ways to Prepare Alpo" multiple times, as a deterrent to ignoring retirement planning, but Chris actually recounts a story of someone in his life that had nothing but dog food in their pantry post-retirement. Here are some of the familiar concepts you'll read in Retire Inspired: - Save at least 15% for retirement, but only after all non-mortgage debt is paid off. - Invest in mutual funds, not single stocks or bonds, evenly across these four categories: Growth, Growth & Income, Aggressive Growth, and International. - Get term life & long-term disability insurance, avoid whole life insurance. - Make a plan to have your home paid off before retirement. - Have a will and estate plan. - Retire a millionaire on only a couple hundred bucks a month (if you start early enough). The only thing I noticed different from Dave's advice is all investment projections throughout Retire Inspired use a 10% return assumption instead of Dave's usual 12%. * Summary *. Retire Inspired for me, was reinforcement of many great ideas I have already subscribed to as a big Dave Ramsey fan."
Best Business Education & Reference
develop goals for every reader give students step-by-step strategies for skilled reading guide readers with prompts aligned to the strategies adjust instruction to meet individual needs with Jen's Teaching Tips craft demonstrations and explanations with her Lesson Language learn more with Hat Tips to the work of influential teacher-authors. Whether you use readers workshop, Daily 5/CAFE, guided reading, balanced reading, a core reading program, whole-class novels, or any other approach, The Reading Strategies Book will complement and extend your teaching. Jennifer Serravallo is the author of New York Times bestseller The Reading Strategies Book as well as other popular Heinemann titles, including Teaching Reading in Small Groups; Conferring with Readers; and The Literacy Teacher's Playbook, Grades K - 2 and Grades 3 - 6.
Reviews
Find Best Price at Amazon"Most books about teaching reading require plowing through lots of pages about the author's philosophy and practices before getting to the good stuff...the stuff you can use in the classroom tomorrow. Every teacher, from classroom teachers to reading specialists to literacy coaches to tutors to home-school teachers, from pre serviice teachers to veteran teachers, will quickly and easily be able to find the strategies they need to teach the students in front of them."
"- Jennifer Serravallo, The Reading Strategies Book: Your EVERYTHING Guide to Developing Skilled Readers. Jennifer Serravallo created the ultimate book of reading strategies. - Classroom Teacher: This is truly a comprehensive book to help you develop individual reading goals or goals for reading strategy groups. The book is organized around the following goals (chapters) for developing skilled readers: - Supporting Pre-Emergent and Emergent Readers. - Teaching Reading Engagement: Focus, Stamina, and Building a Reading Life. - Supporting Print Work: Increasing Accuracy and Integrating Sources of Information. - Teaching Fluency: Reading with Paraphrasing, Intonation, and Automaticity. - Supporting Comprehension in Fiction: Understanding Plot and Setting. - Supporting Comprehension in Fiction: Thinking About Characters. - Supporting Comprehension in Fiction: Understanding Themes and Ideas. - Supporting Comprehension in Nonfiction: Determining Maint Topic(s) and Idea(s). - Supporting Comprehension in Nonfiction: Determining Key Details. - Supporting Comprehension in Nonfiction: Getting the Most from Text Features. - Improving Comprehension in Fiction and Nonfiction: Understanding Vocabulary and Figurative Language. - Supporting Students' Conversations: Speaking, Listening, and Deepening Comprehension. - Improving Writing About Reading. Each chapter starts with a research-based explanation of WHY the goal is important to developing skilled readers."
"I am a literacy coach and am so excited to use this book next year with teachers at my school. Here's why: I love how Jennifer compares The Reading Strategies Book to a cookbook, It's a great analogy for the lessons in the book. Jennifer walks you through navigating the book, choosing goals for students, how the book might fit into your current literacy instruction, and supporting strategies with visuals. I think this book should be a required text for college literacy courses and should be a welcome gift to new teachers when hired."
"In the short introduction, Jennifer Serravallo explains how to identify reading goals for students based on a hierarchy of reading needs."
Best Budgeting & Money Management
Hey, if you’re tired of the lies and sick of the false promises, take a look at this—it’s the simplest, most straightforward game plan for completely making over your money habits. Design a sure-fire plan for paying off all debt—meaning cars, houses, everything Recognize the 10 most dangerous money myths (these will kill you) Secure a big, fat nest egg for emergencies and retirement! His seven-step plan includes paying off all debts except the home mortgage at an accelerated speed, creating a financial safety net that covers three to six months' expenses, investing 15 percent of income in a retirement fund, and saving for children's college expenses.
Reviews
Find Best Price at Amazon"The baby steps are pretty straightforward: Baby Step 1 – $1,000 to start an Emergency Fund - you'll find this way easier than you expect to. Baby Step 3 – 3 to 6 months of expenses in savings. Baby Step 4 – Invest 15% of household income into Roth IRAs and pre-tax retirement. Baby Step 5 – College funding for children. Baby Step 6 – Pay off home early. Baby Step 7 – Build wealth and give. The rules are simple: 1) Live and breathe by your budget."
"In 4 months, I paid off my car loan, all credit cards and doctor bills!!!"
"* He lays out his seven Baby Steps and makes them simple to understand. * I really liked the quote, "If you worked for a company called YOU Inc. and you managed money at YOU Inc. the way you manage your own money now, would you fire you?" Dave Ramsey is rich because he is a business owner who can make money from his radio show, books, seminars, programs, etc. It would have been great to get his advice on that, but he probably didn't want to overwhelm the reader with too many topics. College loans can be very appropriate for some people, business loans can be great in the right situation, and his statement that you should put money toward paying down debt rather than getting the company 401(k) match seemed too extreme to me. goals or having an accountability partner, which have been shown to greatly help people achieve all kinds of dreams."
"This book has been adopted for the South African situation, but needs to be extended to other parts of Africa."
"This book is fantastic."
"A must read for all high school and college aged persons."
"If this book doesn’t make you want to change your financial life than you don’t like following simple easy to use steps."
"Just as described and very fast shipping, thank you!!"
Best Credit Ratings & Repair
Hey, if you’re tired of the lies and sick of the false promises, take a look at this—it’s the simplest, most straightforward game plan for completely making over your money habits. Design a sure-fire plan for paying off all debt—meaning cars, houses, everything Recognize the 10 most dangerous money myths (these will kill you) Secure a big, fat nest egg for emergencies and retirement! His seven-step plan includes paying off all debts except the home mortgage at an accelerated speed, creating a financial safety net that covers three to six months' expenses, investing 15 percent of income in a retirement fund, and saving for children's college expenses.
Reviews
Find Best Price at Amazon"The baby steps are pretty straightforward: Baby Step 1 – $1,000 to start an Emergency Fund - you'll find this way easier than you expect to. Baby Step 3 – 3 to 6 months of expenses in savings. Baby Step 4 – Invest 15% of household income into Roth IRAs and pre-tax retirement. Baby Step 5 – College funding for children. Baby Step 6 – Pay off home early. Baby Step 7 – Build wealth and give. The rules are simple: 1) Live and breathe by your budget."
"In 4 months, I paid off my car loan, all credit cards and doctor bills!!!"
"* He lays out his seven Baby Steps and makes them simple to understand. * I really liked the quote, "If you worked for a company called YOU Inc. and you managed money at YOU Inc. the way you manage your own money now, would you fire you?" Dave Ramsey is rich because he is a business owner who can make money from his radio show, books, seminars, programs, etc. It would have been great to get his advice on that, but he probably didn't want to overwhelm the reader with too many topics. College loans can be very appropriate for some people, business loans can be great in the right situation, and his statement that you should put money toward paying down debt rather than getting the company 401(k) match seemed too extreme to me. goals or having an accountability partner, which have been shown to greatly help people achieve all kinds of dreams."
"This book has been adopted for the South African situation, but needs to be extended to other parts of Africa."
"This book is fantastic."
"A must read for all high school and college aged persons."
"If this book doesn’t make you want to change your financial life than you don’t like following simple easy to use steps."
"Just as described and very fast shipping, thank you!!"
Best College & Education Costs
Quite simply, college is far too expensive for many people today, and the confusing mix of federal, state, institutional, and private financial aid leaves countless students without the resources they need to pay for it. Drawing on an unprecedented study of 3,000 young adults who entered public colleges and universities in Wisconsin in 2008 with the support of federal aid and Pell Grants, Goldrick-Rab reveals the devastating effect of these shortfalls. (John Warner Chicago Tribune ). "Ultimately, though, Goldrick-Rab argues that we need a new system, 'a Financial Aid 2.0 that is based on accessible and affordable high-quality public higher education.'. Tennessee already offers tuition-free community college to all, and other states are considering similar programs, so this final recommendation provides a glimmer of hope that investing in our own young people is something a divided nation might eventually agree on. (Diane Ravitch). “A hardworking group of young Americans is struggling with regular hunger, periodic homelessness, constant stress, and unrelenting exhaustion—all this while trying to master organic chemistry, business accounting, and British literature. Through rigorous research and careful analysis, Sara Goldrick-Rab shows how the American Dream is structurally compromised by the exorbitant costs of higher education and a thoroughly dysfunctional financial aid system. (Marc Lamont Hill, author of Nobody: Casualties of America's War on the Vulnerable, From Ferguson to Flint and Beyond). " Paying the Price is a must-read not only for policymakers but also for anyone wanting a better grasp of our nation's college financial aid system. What started out as the promise to enable hardworking students to achieve their hopes of living the American Dream by improving their lot through higher education has morphed over the past five decades into an unwieldy system betraying that very ideal at huge costs to society. We must act now so that the 45 million young people who will turn 18 in the next 10 years don’t face the tough choices that 75 percent of Americans currently confront when they come to grips with the fact that they can’t afford college." The students she profiles through her research represent thousands of individuals who pursue a degree in pursuit of social mobility and the American Dream, only to find themselves unable to make ends meet and often drowning in debt. Goldrick-Rab's scholarship fills a critical void in our conversations about the realities of financial aid policy in the face of rapidly rising tuition and important poignant reminder of the ongoing negative impact of state appropriation reductions in this era."
Reviews
Find Best Price at Amazon"We in higher education have been talking about and feeling the impact of the "perfect storm" (decreased state and federal funding, increased tuition and fees, and more need for college degrees) for almost two decades."
"Sara Goodrick-Rab and colleagues six year longitudinal study of low income students making their way through the financial maze of college completion is a must read for anyone concerned about the future of higher education."
"Bought this for a higher education finance course last semester."
"Dr. Goldrick-Rab focuses on the quantity of students affected by this issue, but more importantly, she focuses on the quality or lack therof of their lives and their education because of the impacts of the issue."
"An important volume that humanizes the struggle of today's college students to pursue not only their education, but their life dreams in the face of dwindling financial support and demoralizing popular narratives of "coddled college students.""
"Every professor or anyone who cares about higher ed should read this book."
"A great read."
"As described and fast shipping."