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The essential retirement guide : a contrarian's perspective / (Record no. 208137)

000 -LEADER
fixed length control field 08702cam a2200637 i 4500
001 - CONTROL NUMBER
control field ocn917888626
003 - CONTROL NUMBER IDENTIFIER
control field OCoLC
005 - DATE AND TIME OF LATEST TRANSACTION
control field 20170918135152.0
006 - FIXED-LENGTH DATA ELEMENTS--ADDITIONAL MATERIAL CHARACTERISTICS
fixed length control field m o d
007 - PHYSICAL DESCRIPTION FIXED FIELD--GENERAL INFORMATION
fixed length control field cr |||||||||||
008 - FIXED-LENGTH DATA ELEMENTS--GENERAL INFORMATION
fixed length control field 150810s2015 nju o 001 0 eng
010 ## - LIBRARY OF CONGRESS CONTROL NUMBER
LC control number 2015031133
020 ## - INTERNATIONAL STANDARD BOOK NUMBER
International Standard Book Number 9781119111139
Qualifying information (epub)
020 ## - INTERNATIONAL STANDARD BOOK NUMBER
International Standard Book Number 1119111137
Qualifying information (epub)
020 ## - INTERNATIONAL STANDARD BOOK NUMBER
International Standard Book Number 9781119111146
Qualifying information (pdf)
020 ## - INTERNATIONAL STANDARD BOOK NUMBER
International Standard Book Number 1119111145
Qualifying information (pdf)
020 ## - INTERNATIONAL STANDARD BOOK NUMBER
International Standard Book Number 9781119125426
020 ## - INTERNATIONAL STANDARD BOOK NUMBER
International Standard Book Number 1119125421
020 ## - INTERNATIONAL STANDARD BOOK NUMBER
International Standard Book Number 1119111129
Qualifying information (hardback)
020 ## - INTERNATIONAL STANDARD BOOK NUMBER
International Standard Book Number 9781119111122
Qualifying information (hardback)
020 ## - INTERNATIONAL STANDARD BOOK NUMBER
Canceled/invalid ISBN 9781119111122
Qualifying information (hardback)
029 1# - OTHER SYSTEM CONTROL NUMBER (OCLC)
OCLC library identifier GBVCP
System control number 845213318
029 1# - OTHER SYSTEM CONTROL NUMBER (OCLC)
OCLC library identifier DEBBG
System control number BV043626598
029 1# - OTHER SYSTEM CONTROL NUMBER (OCLC)
OCLC library identifier DEBBG
System control number BV043399094
035 ## - SYSTEM CONTROL NUMBER
System control number (OCoLC)917888626
Canceled/invalid control number (OCoLC)934407993
037 ## - SOURCE OF ACQUISITION
Stock number BCFB278D-EEE1-4D37-B36B-803B611CC361
Source of stock number/acquisition OverDrive, Inc.
Note http://www.overdrive.com
040 ## - CATALOGING SOURCE
Original cataloging agency DLC
Language of cataloging eng
Description conventions rda
-- pn
Transcribing agency DLC
Modifying agency OCLCF
-- YDXCP
-- N$T
-- DG1
-- IDEBK
-- TEFOD
-- RECBK
-- TOH
-- NOC
-- CDX
-- EBLCP
-- COO
-- OCLCQ
-- DEBBG
-- MERUC
042 ## - AUTHENTICATION CODE
Authentication code pcc
049 ## - LOCAL HOLDINGS (OCLC)
Holding library MAIN
050 00 - LIBRARY OF CONGRESS CALL NUMBER
Classification number HQ1062
072 #7 - SUBJECT CATEGORY CODE
Subject category code BUS
Subject category code subdivision 027000
Source bisacsh
082 00 - DEWEY DECIMAL CLASSIFICATION NUMBER
Classification number 332.024/014
Edition number 23
084 ## - OTHER CLASSIFICATION NUMBER
Classification number BUS050040
Number source bisacsh
100 1# - MAIN ENTRY--PERSONAL NAME
Personal name Vettese, Fred,
Dates associated with a name 1953-
245 14 - TITLE STATEMENT
Title The essential retirement guide : a contrarian's perspective /
Statement of responsibility, etc. Fred Vettese.
Medium [electronic resource]
264 #1 - PRODUCTION, PUBLICATION, DISTRIBUTION, MANUFACTURE, AND COPYRIGHT NOTICE
Place of production, publication, distribution, manufacture Hoboken :
Name of producer, publisher, distributor, manufacturer Wiley,
Date of production, publication, distribution, manufacture, or copyright notice 2015.
300 ## - PHYSICAL DESCRIPTION
Extent 1 online resource.
336 ## - CONTENT TYPE
Content type term text
Content type code txt
Source rdacontent
337 ## - MEDIA TYPE
Media type term computer
Media type code c
Source rdamedia
338 ## - CARRIER TYPE
Carrier type term online resource
Carrier type code cr
Source rdacarrier
500 ## - GENERAL NOTE
General note Includes index.
505 0# - FORMATTED CONTENTS NOTE
Formatted contents note The Road to Retirement: Detours -- Doubts about the 70 percent retirement income target: Niggling doubts; Saving for retirement is a 2-dimensional problem; The macro case against 70 percent; Low-income workers -- Honing in on the Real Target: Setting the ground rules; Howard and Barb; Steve and Ashley 1.0; Steve and Ashley 2.0; Expressing consumption in dollars -- A New Rule of Thumb: Guiding principles; Retirement income targets under different scenarios; General rule of thumb -- Quantifying Your Wealth Target: A rough and ready estimate; A more actuarial approach -- Why Interest Rates Will Stay Low (And Why You Should Care): The rise of the savers; The Japan experience; Applicability to the US and Canada; Possible remedies; Implications -- How Spending Decreases with Age: Doubts; Quantifying the decline in consumption; Why does consumption decline?; Next steps -- Death Takes a Holiday: Present day life expectancy; Dispersion of deaths; Who is benefiting the most?; Why is mortality improving?; The future -- Estimating Your Own Life Expectancy -- Is long-term care in your future?: Long-term care (LTC); What does LTC entail?; What are the chances you will need LTC?; How long is LTC usually required? -- Paying for Long-term Care: Typical LTC insurance contract; Does the math work?; The verdict; The consequences of not insuring LTC -- Putting It All Together: New wealth targets; Buffers -- Picking a Savings Rate: Historical performance; Lessons learned; What the future holds; Generalizing the results -- Optimizing Your Savings Strategy: The goal; Strategy 1--Simple; Strategy 2--Simple Lifecycle approach; Strategy 3--Modified Lifecycle; Strategy 4--Variable contribution; Strategy 5--The SMART approach; The Third Lever; Methodology -- A Gentler Approach to Saving: Path 1--Pain now, gain later on; Path 2--Smooth and steady improvement; A comparison in dollar terms -- Rational Roulette: Call to action; Watch out for your children.
505 8# - FORMATTED CONTENTS NOTE
Formatted contents note Revisiting the 4 Percent Rule: The 4 percent rule; Problems with the 4 percent rule; A more rational spending rule; A Monte Carlo simulation -- Why people hate annuities (but should still buy one): Why annuities should be popular; The psychology behind the unpopularity; Tontines; The insured annuity strategy; Indexed annuities?; Forget it -- How Workplace Pension Plans fit in: Why employers offer workplace plans; Getting the most out of your workplace plan; How a workplace pension plan affects your dollar target; Online forecast tools -- Bubble Trouble: Why worry about financial bubbles?; Examples of recent financial bubbles; Common characteristics; The everything bubble -- Carpe Diem: The numbers; Healthy life years; Trends; Personal genome testing; -- A Life Well Lived: Retirement and happiness; Final thoughts Notes -- Appendix A: Similarities between the US and Canada: Social Security programs; High-level comparison of retirement vehicles; A tax comparison -- Appendix B: Social Security in the US and Canada: Name of Social Security pension plan; Purpose of Social Security; Earnings base for pension calculation; How pension is calculated; How the plans are funded; Normal retirement age; Early retirement age; Delayed retirement; Indexation; Other government-sponsored pension plans; Taxability -- Appendix C: Retirement income targets under other scenarios -- Appendix D: About the assumptions used in the book: Thoughts on Conservatism; Assumptions used to estimate personal consumption; Assumptions used to calculate future retirement savings; Assumptions used to estimate the historical accumulation of savings; Couple contemplating long-term care insurance; Assets needed to cover long-term care (LTC).
520 ## - SUMMARY, ETC.
Summary, etc. "A Contrarian Twist to Saving for Your Golden Years The Essential Retirement Guide: A Contrarian's Perspective brings a much-needed shift in thinking to the age-old question of how best to prepare for your retirement. This handbook helps you reject confusing, outdated information and figure out how much wealth youreally need to retire securely. In the process, this groundbreaking text discusses when to save, why to save, how to save, and how much to save--providing new insights in an environment that is cluttered with misinformation about retirement planning. This comprehensive resource explains when you should start saving for your golden years, how to prioritize your retirement saving amid other spending obligations, and how much you can comfortably spend each year once you have retired. Additionally, the text provides hard data that underscores the fragility of humans in spite of ever-increasing lifespans and how that fragility should inform our actions in the earlier stages of our retirement. With baby boomers approaching their golden years, retirement planning has become more popular than ever before. This book offers fresh insights on how to: Dispel some of the inconsistent messages about retirement, such as the conventional retirement income target and the 4 percent rule Determine your lifespan and how it is affected by your lifestyle Consider the possibility of long-term care and how it may affect your retirement planning Prepare for the change in spending habits that typically occurs over the course of retirement The Essential Retirement Guide: A Contrarian's Perspective takes a fresh look at retirement saving strategies and guides you in creating a plan that fits your finances and your lifestyle"--
Assigning source Provided by publisher.
520 ## - SUMMARY, ETC.
Summary, etc. "The Essential Retirement Guide will detail saving for retirement-- when, why, how, and how much. There is much miscommunication and false information about retirement planning. Inconsistences such as retirement target percentages of final pay, the amount of retirement income needed, and the use of proper investment vehicles, most of which cost hundreds of thousands of dollars more than necessary, all add to the mystification of most retirement planning advice. The book will answer: - When should I start to save? - What takes priority: paying off the mortgage or saving for retirement? - What is the most tax-effective investment vehicle during the accumulation phase? - How should I invest? - How much money do I need to retire comfortably? - How much retirement income will I need? - What percentage of my assets can I spend each year in retirement? - How will my spending habits change over the course of my retirement? - Do I need to worry about the cost of long-term care?"--
Assigning source Provided by publisher.
588 0# - SOURCE OF DESCRIPTION NOTE
Source of description note Print version record and CIP data provided by publisher.
650 #0 - SUBJECT ADDED ENTRY--TOPICAL TERM
Topical term or geographic name as entry element Retirement
General subdivision Planning.
650 #0 - SUBJECT ADDED ENTRY--TOPICAL TERM
Topical term or geographic name as entry element Finance, Personal.
650 #7 - SUBJECT ADDED ENTRY--TOPICAL TERM
Topical term or geographic name as entry element BUSINESS & ECONOMICS
General subdivision Personal Finance
-- Retirement Planning.
Source of heading or term bisacsh
650 #7 - SUBJECT ADDED ENTRY--TOPICAL TERM
Topical term or geographic name as entry element Finance, Personal.
Source of heading or term fast
Authority record control number (OCoLC)fst00924449
650 #7 - SUBJECT ADDED ENTRY--TOPICAL TERM
Topical term or geographic name as entry element Retirement
General subdivision Planning.
Source of heading or term fast
Authority record control number (OCoLC)fst01096304
655 #4 - INDEX TERM--GENRE/FORM
Genre/form data or focus term Electronic books.
776 08 - ADDITIONAL PHYSICAL FORM ENTRY
Relationship information Print version:
Main entry heading Vettese, Fred, 1953-
Title Essential retirement guide.
Place, publisher, and date of publication Hoboken : Wiley, 2015
International Standard Book Number 9781119111122
Record control number (DLC) 2015029018
856 40 - ELECTRONIC LOCATION AND ACCESS
Uniform Resource Identifier http://onlinelibrary.wiley.com/book/10.1002/9781119125426
Public note Wiley Online Library
942 ## - ADDED ENTRY ELEMENTS (KOHA)
Source of classification or shelving scheme
Koha item type Books

No items available.

Last Updated on September 15, 2019
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