Kelley stephen j (73 risultati)

Condizione: Good. Item in good condition. Textbooks may not include supplemental items i.e. CDs, access codes etc.

Paperback. Condizione: Good.

paperback. Condizione: Very Good. Has some shelf wear, highlighting, underlining and/or writing. Great used condition. A portion of your purchase of this book will be donated to non-profit organizations.Over 1,000,000 satisfied customers since 1997! Choose expedited shipping (if available) for much faster delivery. Delivery confirmation on all US orders.…

Condizione: As New. Unread book in perfect condition.

Condizione: New.

Condizione: As New. Unread book in perfect condition.

Condizione: New.

Condizione: New.

Paperback or Softback. Condizione: New. Big Machines: Cryptographic Security of the German Enigma, Japanese Purple, and Us Sigaba/Ecm Cipher Machines. Book.

Condizione: New.

Condizione: As New. Unread book in perfect condition.

Paperback. Condizione: New.

Paperback. Condizione: New.

Condizione: As New. Unread book in perfect condition.

Condizione: New.

Condizione: New.

Condizione: As New. Unread book in perfect condition.

Condizione: New. In English.

Condizione: New.

Condizione: As New. Unread book in perfect condition.

Condizione: New. Print on Demand.

Paperback. Condizione: new. Paperback. Do you know how long you are going to live? If not, how can you possibly create an intelligent and accurate retirement plan? The answer is you can't without a great deal of luck. Of the people who try to do this on their own, 80% get it wrong and either run out of money before they die, or die with way too much. This insightful book shows you exactly how to solve this key problem. The author takes you step by step through the "Last Things First" and "More Now, More Later" retirement processes of creating a retirement plan that you can not only count on, but also thrive with. From the book: "Before going on, let me say I get it. I understand why most people don't have professional financial help. The fact is, you don't trust us. And with good reason. There is so much noise and so many conflicting opinions. Everybody, it seems wants only one thing-to separate you from your money. Billions of dollars are spent every year in lobbying Congress and silly advertisements about blue dots, meaningless orange numbers, and green lines (yellow brick road, anyone?). And everyone seems to win except for you." (page 10) "In fact, it received no discussion or debate at all. None. Zero. Nada. I have often said the 401(k) was not something that was done for us. It was done to us. Xerox, Kodak and the rest of corporate America were not the only culprits. Wall Street and the mutual fund industry were also in the thick of things. The industry immediately saw the opportunity and aggressively marketed the plans as a money saving strategy for business, and rapidly pulled corporate America away from pensions and into defined contribution plans." (page 30) "What people often fail to consider, however, is when you defer taxes, you are also deferring the tax rate. In addition, you are growing the balance upon which you will be paying taxes. The trap, of course, is you could be setting yourself up for having to pay a higher tax on more money, not to mention what it can do to things like taxes on your Social Security benefits." (page 37) "How much would that have amounted to on the above-mentioned plan? $191,650. Think of that. You put up all the money, took all the risk, and never, in the entire time you were saving, had access to your money without severe penalty. But they, the people holding your money, took out over 30%, whether they made you money or lost you money. For what?" (page 41) "The reason this works is because of compounding interest. Compound interest happens when you have the ability to earn interest on your interest. This does not happen in the stock market. In the market you simply have whatever a security is worth at any given time." (page 55) "Now that reality has happened, and we've had two total financial meltdowns within a single decade, with another apparently right around the corner, all of that past data is being shown for what it is: nonsense. It turns out that when you have frequent and drastic market downturns income planning isn't so cut and dried. " (page 72) "It turns out that rates of return have very little to do with income planning success. Rather it's sequence of returns that determine success. Should you be lucky enough to have any down years come late in your retirement, chances are much greater that you won't run out of money. However, should those very same negative returns come early, they can do a significant amount of damage." (page 77) "All told, your $250,000 variable annuity has cost you, at a minimum, $115,000 in fees over a ten-year period. Guaranteed. And remember, that's a minimum amount, if you make no money (although, in fairness, it could be less if you lose money, but not much). Variable annuity fees are based on the value of the annuity. So, if you ere lucky, and the annuity contract goes up by, say, 5%our "partners" would receive $163,378. Guaranteed! " (page 92) This item is prin Shipping may be from our UK warehouse or from our Australian or US warehouses, depending on stock availability.…

Hardcover. Condizione: Good. No Jacket. Pages can have notes/highlighting. Spine may show signs of wear. ~ ThriftBooks: Read More, Spend Less.

Paperback. Condizione: New.

303 pp.; 23.5 x 16 cm.; sewn bound; black-and-white & color; edition size unknown; unsigned and unnumbered; offset-printed A history and survey of sound art by Alan Licht. Foreword by Jim O'Rourke. Artists include Harry Bertoia, François Baschet, Bernard Baschet, Jean Tinguely, Michael Snow, Alvin Lucier, Phill Niblock, Paul Panhuysen, Joe Jones, La Monte Young, Yasunao Tone, Hermann Nitsch, Bernhard Leitner, Annea Lockwood, Rolf Julius, Max Neuhaus, Akio Suzuki, Terry Fox, Maryanne Amacher, Charlemagne Palestine, Bill Fontana, Christina Kubisch, Brian Eno, Trimpin, Mike Kelley, Christian Marclay, Carl Michael von Hausswolff, Janet Cardiff, Michael J. Schumacher, Francisco Lopez, Stephen Vitiello, and Steve Roden. Includes a compilation CD with work by Bill Fontana, Steve Roden, Jean Dubuffet, Destroy All Monsters, Anthony Burr and Charles Curtis and Bernhard Gil. Includes artist's biographies, notes, index, and Audio CD Credits. Profusely illustrated in black-and-white and color. Fine. Contents clean and unmarked. Includes Audio CD. Due to large size and weight additional shipping charges will be required for international orders.…

Condizione: New. Print on Demand.

Hardcover. Condizione: New. Brand new book, sourced directly from publisher. Dispatch time is 24-48 hours from our warehouse. Book will be sent in robust, secure packaging to ensure it reaches you securely.

Condizione: New. Print on Demand.

Paperback. Condizione: New.

Condizione: New.