The Wrong Man For Her
Автор: Kathryn Shay
Год издания: 0000
Never say « Never again» Nick Logan had a gift for counseling teens who came from violent homes, but his job at the Rockford Crime Victims' Center wasn' t easy. Three years ago he and Madelyn Walsh had started out as coworkers and turned into lovers. Until he' d broken their engagement, convinced anyone else would make a better husband.Now Madelyn was « Dr.» Walsh and the boss. Their new relationship was about rules–not romance–and she wasn' t about to let herself fall for him again. But time had taught Nick a thing or two about love–like not worrying too much about being wrong for her if she was right for him….GOING BACKWhat if you discovered that all you ever wanted were the things you left behind?
The wrong war
Автор: Igor Yevtishenkov
Год издания:
Events in Syria in 2015 brought thousands of people from different countries together and caused a clash between them. The reasons why all of them had been there were different, but war and the fear of death always make people equal. The desire to survive forces every human to act and, at times, it is not as he wants and is able. When a terrorist organization gets a weapon that can shoot down airplanes, the militants immediately use it against the American jets.
The Value of Debt in Retirement. Why Everything You Have Been Told Is Wrong
Автор: Thomas Anderson J.
Год издания:
Increase the odds you won't run out of money in retirement – using debt! Conventional wisdom is wrong – being debt free in retirement may actually increase your risk. The Value of Debt in Retirement teaches you how incorporating debt into your retirement strategy may increase your return, lower your taxes and actually lower your risk. You read that right. If handled correctly, debt—that thing we've all been taught to avoid—can play an integral role in your life, especially in retirement. New York Times Best Selling Author and nationally acclaimed financial expert Tom Anderson shows you how to use the time tested strategies of the best companies and the ultra rich to retire comfortably, minimize taxes, buy the things you have always wanted to have and do the things you have always wanted to do. Thought provoking and against the grain, Anderson explains why your risk tolerance doesn't matter, why being debt free may actually increase your risk and why rushing to pay off your mortgage may be a financial disaster. Full of shocking revelations and tricks high- net-worth individuals have used for years, The Value of Debt in Retirement opens the world to a new approach to wealth management in retirement, one that factors in both sides of the balance sheet as an integrated ecosystem. Real-world case studies illustrate how informed debt strategies can lead to a happier, healthier retirement. See how an individual with a net worth of more than $5 million can spend $20,000 per month – after taxes – and pay less than $5,000 per year in taxes, how it is possible to increase your rate of return by 50%, and how a lower risk portfolio with debt could increase the chances you do not run out of money. Specifically written to Baby Boomers, practical guides and checklists show how to use debt strategies to fund primary and secondary properties, refinance credit card debt, and finance hobbies, such as cars and boats and recreational vehicles. Additional guides show how you can help your children, help your parents and leave a bigger legacy for your heirs and favorite charities. Regardless of your net worth, The Value of Debt in Retirement provides tools to use to apply these concepts to your personal situation. There is no free lunch: the book delivers a balanced perspective focusing on the potential risks and benefits of the strategies discussed. A discussion on economic history highlights some of the shocks the economy may face and provides important warnings that you should factor into your retirement plan. Anderson not only shows that your life expectancy may be longer than you think, but also illustrates that many investors may be on track to average returns well under 4% for the next ten years – a potentially devastating combination. Irrespective of your beliefs about debt, The Value of Debt in Retirement proves risk is more important than return for retirees and provides suggestions on ways to minimize that risk. Not all debt is good and high levels of debt are bad. The Value of Debt in Retirement is about choosing the right debt, in the right amounts, at the right time. Perhaps most importantly, this book isn't for everybody. This book requires responsible actions. If you can't handle the responsibility associated with the ideas then this book then it isn't for you. If you need a rate of return under 3% from your investments then you may not need this book. But if you can handle the responsibility and if you need a return above 3%, this book may offer insights into the best (and potentially only) way to achieve your goals.