000			09209cam a2200769 i 4500
001			ocn900159263
003			OCoLC
005			20171025125747.0
006			m o d
007			cr |||||||||||
008			150112s2015 nju ob 001 0 eng
010			_a 2015001397
020			_a9781119020004 (epub)
020			_a111902000X (epub)
020			_a9781119020011 (pdf)
020			_a1119020018 (pdf)
020			_z9781119019985 (hardback)
020			_a9781119030010
020			_a1119030013
020			_a1119019982
020			_a9781119019985
029	1		_aCHVBK _b334095204
029	1		_aCHBIS _b010442492
029	1		_aDEBBG _bBV042683435
029	1		_aDEBBG _bBV042739926
029	1		_aNZ1 _b16095115
029	1		_aDEBSZ _b446586412
029	1		_aGBVCP _b823521605
029	1		_aDEBSZ _b453329039
029	1		_aDEBBG _bBV043616042
029	1		_aDEBBG _bBV043397446
035			_a(OCoLC)900159263 _z(OCoLC)909802461
037			_aCL0500000592 _bSafari Books Online
037			_a31312D92-8F8E-4434-88D8-EBA10F93E575 _bOverDrive, Inc. _nhttp://www.overdrive.com
040			_aDLC _beng _erda _cDLC _dYDX _dN$T _dOCLCF _dDG1 _dE7B _dEBLCP _dCDX _dIDEBK _dYDXCP _dRECBK _dUMI _dTEFOD _dCOO _dDEBBG _dOCLCO _dTEFOD _dDEBSZ
042			_apcc
049			_aMAIN
050	0	0	_aHG179
072		7	_aBUS _x027000 _2bisacsh
082	0	0	_a332.7084/6 _223
084			_aBUS050040 _2bisacsh
100	1		_aAnderson, Thomas J. _c(Certified investment management analyst)
245	1	4	_aThe value of debt in retirement : why everything you have been told is wrong / _cThomas J. Anderson. _h[electronic resource]
264		1	_aHoboken : _bWiley, _c2015.
300			_a1 online resource.
336			_atext _2rdacontent
337			_acomputer _2rdamedia
338			_aonline resource _2rdacarrier
504			_aIncludes bibliographical references and index.
505	0		_aTitle page; Copyright; Dedication; Foreword; Acknowledgments; Introduction; Caution: You Could Burn Your House Down Baking a Cake!; Notes; PART I: BASIC IDEAS AND CORE CONCEPTS; Chapter 1: A Better Path; A Successful but Controversial Debut; The Fifth Indebted Strength; Who Can Benefit from This Book? Not Only Millionaires! (But They Can, Too); Everyday Example #1: Immediately Better Credit Card Debt; Getting beyond the ABLF and Focusing on Retirement; Notes; Chapter 2: Debt in Retirement; What Some Popular Retirement Books Get Right-and Wrong-about Debt; The "Good versus Bad" Debt Camp
505	8		_aBach Where We Started: The Irresolutely "Against Debt" CampThe (Very Small) "Sometimes It's Okay to Have Debt" Camp; Everyday Example #2: A Bridge Loan over Troubled Quarters; Notes; Chapter 3: Why and Whether to Adopt a Holistic Debt-Inclusive Approach in Retirement; A First Look at the Three Main Types of Debt: Oppressive, Working, and Enriching; Seven Rules for Being a Better Debtor; In the Company of Longer Life Spans; Winging Your Way to a Successful Retirement: The "Whole Chicken" Approach; Everyday Example #3: A Holistic Business Recipe for Success; Notes
505	8		_aPART II: THE POWER OF DEBT IN REDUCING TAXES, INCREASING RETURN, AND REDUCING RISKChapter 4: Returning to the Return You Need; Cash Flow and Incoming Money: The Ultimate Key to Resource Management; You Have to Get Your Numbers Right!; Regardless of Your Net Worth, Distributions Are Rarely Constant over Time in Retirement; How Much Can You Safely Take Out?; How You May Be Able to Increase Your Rate of Return; How Is This Possible? A Big-Picture Overview; Risks and Problems; Everyday Example #4: Retiring the "Loan" Survivor; Notes; Chapter 5: The Power of Debt Meets Our Ridiculous Tax Code
505	8		_aSome Brief Preliminaries: Income versus Incoming MoneyThe Websters: A Tale That Taxes the Imagination; Your De Facto Tax Advisor; An Inconvenient Truth; How to Pay Almost No Taxes in Retirement: A Few More Examples; Everyday Example #5: "Auto" You Not Be Sure You Are Getting the Best Loan?; Notes; Chapter 6: Risk Matters More Than Return; Why Your Personal Risk Tolerance May Not Matter; A Simple Understanding of Risk; An Overview: "What Time Is It?"; A Detailed Understanding: "How the Watch Works"; Proof That Debt Can Reduce Your Risk in Retirement
505	8		_aEveryday Example #6: A Lot to Think About? Not ReallyNotes; PART III: HOW TO GET THERE: A GLIDE PATH; Chapter 7: The World Is Full of Risk-Especially Now; Not Your Usual Serious Caution; Learning from What Companies Do-Value Liquidity!; What about Interest Rate Risk? Fixed versus Floating Rate Debt; Investment Risks: It Isn't the Debt That Matters, It Is the Quality of Your Investment Decisions!; Asset Allocation and Investment Considerations; A Six-Step Approach to Diversified Investing in Retirement; Lessons from Math and History Suggest Caution; Be Careful What You Watch!
520			_a"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"-- _cProvided by publisher.
588			_aDescription based on print version record and CIP data provided by publisher.
650		0	_aFinance, Personal.
650		0	_aRetirement _xPlanning.
650		7	_aBUSINESS & ECONOMICS / Personal Finance / Retirement Planning. _2bisacsh
650		7	_aFinance, Personal. _2fast _0(OCoLC)fst00924449
650		7	_aRetirement _xPlanning. _2fast _0(OCoLC)fst01096304
655		0	_aElectronic books.
655		4	_aElectronic books.
776	0	8	_iPrint version: _aAnderson, Thomas J. (Certified investment management analyst) _tValue of debt in retirement _dHoboken : Wiley, 2015 _z9781119019985 _w(DLC) 2014049407
856	4	0	_uhttp://onlinelibrary.wiley.com/book/10.1002/9781119030010 _zWiley Online Library
942			_2ddc _cBK
999			_c207837 _d207837