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Retire Secure!: Pay Taxes Later The Key to Making Your Money Last as Long as You Do - Original PDF
Retire Secure!: Pay Taxes Later The Key to Making Your Money Last as Long as You Do - Original PDF
نویسندگان: James Lange خلاصه: Retire Secure! is written for consumers and advisors who wor-ry about these essential questions: “Will I have enough incomewhen I retire?” and “Will it last as long as I might?” These ques-tions might have additional significance for the wife of a maleretiree because she is statistically likely to survive her husband.Jim has properly identified the three stages of retirementplanning: accumulation, distribution, and estate planning, andreaders will fi nd the organization extremely helpful. They canquickly place themselves along the continuum of the retirementprocess and fi nd excellent recommendations for each stage oftheir journey.Understanding the implications of various retirement plan-ning decisions requires looking at the numbers. There is no get-ting around that. Comparing and contrasting different optionsguides the consumer into making the right choices. Jim takes allthe work out of this by providing numerous comparisons. Gradu-ally the reader is educated and informed—and making the rightchoices becomes easier.An important issue is, “Which account (Roth, IRA, 401(k),403(b), after tax, etc.) is the best to make withdrawals from first?”This is very clearly addressed in the book despite the fact that theexplanation cannot be simple or the response universal. It de-pends on an individual’s particular circumstances, and Jim avoidsgiving the reader the simplified, and often wrong, answer.The mini case studies are a real eye-opener for all readers,both consumers and financial advisors, because they mathemati-cally prove Jim’s assertions. Each comparison and mini case studyis based on several assumptions, which Jim is careful to point outin a clear fashion. I particularly enjoyed Mini Case Study 5.2about the disastrous execution of beneficiary forms and the deci-sion of Junior not to sue the careless estate administrator—hismother
Light (Stop Faking It! Finally Understanding Science So You Can Teach It series) (Robertson, William C. Stop Faking It!,) - PDF
Light (Stop Faking It! Finally Understanding Science So You Can Teach It series) (Robertson, William C. Stop Faking It!,) - PDF
نویسندگان: William C. Robertson خلاصه: Back when I was in college, there was a course titled Physics for Poets. At aschool where I taught physics, the same kind of course was referred to by thestudents as Football Physics. The theory behind having courses like these was thatpoets and/or football players, or basically anyone who wasn’t a science geek, neededsome kind of watered-down course because most of the people taking the coursewere—and this was generally true—SCARED TO DEATH OF SCIENCE.In many years of working in education, I have found that the vast majorityof elementary school teachers, parents who home school their kids, and parentswho just want to help their kids with science homework fall into this category.Lots of “education experts” tell teachers they can solve this problem by justasking the right questions and having the kids investigate science ideas on theirown. These experts say you don’t need to understand the science concepts. Inother words, they’re telling you to fake it! Well, faking it doesn’t work when itcomes to teaching anything, so why should it work with science? Like it or not,you have to understand a subject before you can help kids with it. Ever triedteaching someone a foreign language without knowing the language?The whole point of the Stop Faking It! series of books is to help you under-stand basic science concepts and to put to rest the myth that you can’t under-stand science because it’s too hard. If you haven’t tried other ways of learningscience concepts, such as looking through a college textbook, or subscribing toScientific American, or reading the incorrect and oversimplified science in anelementary school text, please feel free to do so and then pick up this book. Ifyou find those other methods more enjoyable, then you really are a science geekand you ought to give this book to one of us normal folks. Just a joke, okay?
No Perfect People Allowed: Creating a Come-as-You-Are Culture in the Church - PDF
No Perfect People Allowed: Creating a Come-as-You-Are Culture in the Church - PDF
نویسندگان: John Burke خلاصه: People ask me how long it took to write this book. The truth is—aboutfifteen years.I left the business world for campus ministry fifteen years agobecause I wanted to help my generation find authentic faith like I was begin-ning to experience. The first seven years of ministry to America’s first post-modern* generation were discouraging—I almost lost hope. Since then,God has turned my philosophy of church and ministry upside down. I nowbelieve that only a church full of imperfect people, acting as his Body, canbring the hope and healing needed to change our postmodern world for thebetter—one life at a time. That’s why I’ve written this book, because I seeGod powerfully at work in our generation.A year ago I attended a conference about ministry in a postmoderncontext. I found myself terribly discouraged and bothered—and tired ofmodern-church deconstruction! For the past six years, I’ve read numerousbooks, attended conferences, and surfed the blogs about the emergingtrends of new generations and their new ways of thinking. We have decon-structed everything, identified all the problems with the current church,and proclaimed what we knew would not work. We’ve read statisticians likeBarna, Gallup, and Regele warn of the impending doom for our generationand the church in America.
Drug Transporters: Molecular Characterization and Role in Drug Disposition (Wiley Series in Drug Discovery and Development) - PDF
Drug Transporters: Molecular Characterization and Role in Drug Disposition (Wiley Series in Drug Discovery and Development) - PDF
نویسندگان: Guofeng, Ed. You خلاصه: Transporters are membrane proteins that span cellular membranes and are the gate-keepers for all cells and organelles, controlling the intake and efflux of crucial en-dogenous substrates such as sugars, amino acids, nucleotides, and inorganic ions.The specificity of many transporters is not, however, limited to their physiologicalsubstrates, and for some, their physiological substrates remain undiscovered. Xeno-biotics (i.e., drugs, dietary and environmental compounds) have the potential to berecognized by transporters, which crucially influence the absorption, distribution, andelimination of drugs in the body.Due to their hydrophobic nature and relatively low abundance, the molecular iden-tification of transporters had been a difficult task until the development of the expres-sion cloning technique for transporters in the early 1990s. This powerful approach,combined with recent genome analysis, has facilitated the identification and charac-terization of numerous transporters that are important in drug disposition.
You Must Be from the North: Southern White Women in the Memphis Civil Rights Movement - Original PDF
You Must Be from the North: Southern White Women in the Memphis Civil Rights Movement - Original PDF
نویسندگان: Kimberly K. Little خلاصه: Echol Cole and Robert Walker died in a freak accident on 30 January1968 while working for the City of Memphis Sanitation Department.Trapped inside one of the city’s numerous archaic and dilapidated gar-bage packers, these men died a grisly death from injuries sustainedwhile operating the machinery. Their fellow workers staged a walkoutin protest of abysmal working conditions thirteen days later. Strikingsanitation workers believed that a walkout would prove to be their onlybargaining tool in an ongoing struggle between the public works em-ployees and their employer, the city of Memphis, over issues surround-ing better wages and the improvement of working conditions.Mayor Henry Loeb refused to negotiate with the striking workers,due to his belief that the strike was an illegal one. A local court decisionbuttressed Loeb’s belief in the illegality of the strike. According to a billpresented to the Chancery Court of Memphis, the strikers violated aninjunction of 26 August 1966 that prohibited “employees of the PublicWorks Department of the City of Memphis . . . [from] striking against theCity of Memphis.” The ruling also applied to those “influencing, advis-ing, coercing or directing employees of the Public Works Department . . .not to report to work in the usual and customary place and time.” Loeb’slack of sympathy for the striking workers derived not only from hisnotions of the illegality of the strike, but also from his personal racialattitudes toward the overwhelmingly African American sanitation work-ers.1
Everything You Need for an NVQ in Management - Original PDF
Everything You Need for an NVQ in Management - Original PDF
نویسندگان: Julie Lewthwaite خلاصه: Managing a business – or a department within a business – requiresa wide range of skills.You need to manage workloads,both your ownand that of your staff; you need to manage relationships; you need tomanage resources; and you need to manage yourself.Managing yourself is a good place to start.By looking at what you do,how you do it,and what you need to learn to enable you to do it better,you will develop as a manager.When you are acting as a manager,it is impossible to do so in a vacuum.Whatever you do,you will find yourself dealing with other people.Theymay be people within the company – members of staff,peers,or yourown manager(s) – or people from outside – clients,suppliers,or part-ners. No matter who they are, it is your responsibility to ensure thatyou forge a sound business relationship with each and every one.When I was first made responsible for managing people, I had littlework experience and no formal management training. It was tough.I made mistakes. I picked things up as I went along. My experienceechoed that of many people, both before and since.Whilst learningby doing is a recognised learning method, when you are practisingnew skills on people it can be an expensive one. Rather than facinga repair bill for the photocopier or the cost of replacing a spoiled batchof goods, you can be faced with a permanently broken relationship,along with all the upset that entails or,at worst,a gap (or gaps) in yourworkforce,which you then need to fill.Staff,like customers,are moreexpensive to replace than to retain. It follows that choosing to takea more formal approach to learning and developing your managementskills is a sound business decision.
Reasoning of State: Realists, Romantics and Rationality in International Relations (Cambridge Studies in International Relations Book 149) - Epub + Converred Pdf
Reasoning of State: Realists, Romantics and Rationality in International Relations (Cambridge Studies in International Relations Book 149) - Epub + Converred Pdf
نویسندگان: Brian C. Rathbun خلاصه: Reasoning of State: Realists, Romantics and Rationality in International Relations (Cambridge Studies in International Relations Book 149) by Brian C. Rathbun
Right and Wronged in International Relations: Evolutionary Ethics, Moral Revolutions, and the Nature of Power Politics (Cambridge Studies in International Relations) - Epub + Converted Pdf
Right and Wronged in International Relations: Evolutionary Ethics, Moral Revolutions, and the Nature of Power Politics (Cambridge Studies in International Relations) - Epub + Converted Pdf
نویسندگان: Brian C. Rathbun خلاصه: Right and Wronged in International Relations: Evolutionary Ethics, Moral Revolutions, and the Nature of Power Politics (Cambridge Studies in International Relations) by Brian C. Rathbun
Kielhofner's Model of Human Occupation (6th Edition) - Epub + Converted Pdf
Kielhofner's Model of Human Occupation (6th Edition) - Epub + Converted Pdf
نویسندگان: Renee Taylor خلاصه: Kielhofner's Model of Human Occupation Sixth, North American Edition by Dr. Renee Taylor Ph.D. (Author), PATRICIA BOWYER (Author), GAIL FISHER (
Crisis Diplomacy: The Great Powers since the Mid-Nineteenth Century - Scanned Pdf with Ocr
Crisis Diplomacy: The Great Powers since the Mid-Nineteenth Century - Scanned Pdf with Ocr
نویسندگان: James L. Richardson خلاصه: Crisis Diplomacy: The Great Powers since the Mid-Nineteenth Century (Cambridge Studies in International Relations Book 35) by James L. Richardson

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