The Rule of 30

The Rule of 30
Author: Frederick Vettese
Publsiher: ECW Press
Total Pages: 191
Release: 2021-10-19
Genre: Business & Economics
ISBN: 9781773058337

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Consider the age-old question of how much you should save to enjoy a comfortable retirement: Are your knees knocking? Are you nervously biting your nails? In The Rule of 30 personal finance expert Frederick Vettese provides a surprising — and hopeful — answer. Through conversations between a young couple and their neighbor, a retired actuary, the couple and the reader discover: • How they would have fared had they been saving over various periods in the past, and how the future investment climate will differ • The problem with saving a constant percentage of pay • The Rule of 30 and why it is a more rational way to save • Whether investing in real estate is a viable alternative to investing in stocks The Rule of 30 changes the mindset from saving the same flat percentage of pay to saving when it is most convenient to your situation. In most cases, it means less saving early on while mortgage payments are high and children are costly, and more saving later. Saving for retirement is a high priority, but it is not the only priority in life. It is time to dispense with old myths like “just save 10% of your take-home pay.” The truth is we should save differently throughout our pre-retirement years — and The Rule of 30 is a road map for doing so.

All Your Worth

All Your Worth
Author: Elizabeth Warren,Amelia Warren Tyagi
Publsiher: Simon and Schuster
Total Pages: 304
Release: 2006-01-09
Genre: Business & Economics
ISBN: 9780743269889

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A guide to achieving financial stability and prosperity encourages new ways to think about and manage money, discussing such topics as balancing a budget, planning for entertainment, and getting out of debt.

The Rule of Three

The Rule of Three
Author: Eric Walters
Publsiher: Penguin Canada
Total Pages: 416
Release: 2014-01-21
Genre: Young Adult Fiction
ISBN: 9780143191742

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One afternoon, every single machine in sixteen-year-old Adam’s high school computer lab stops working. Outside, cars won’t start, phones are down, and a blackout is widespread. Soon Adam will discover that the problem has paralyzed not just his town but the whole country and beyond. As resources dwindle, crises mount, and chaos descends, he will see that his suburban neighborhood must band together for protection. Violence will erupt and Adam will understand that having a police captain for a mother and a retired government agent living next door are not just the facts of his life but the keys to his survival. Set in the here and now but with a distinctly dystopian feel, this is Eric’s most exciting and commercial title yet!

FLY Financially Literate Youth

FLY  Financially Literate Youth
Author: Marlies Hobbs,Jai Hobbs
Publsiher: Penguin Group Australia
Total Pages: 336
Release: 2021-01-05
Genre: Business & Economics
ISBN: 9781760145446

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FLY: Financially Literate Youth is the perfect handbook for every young person who wants to be armed with the financial knowledge and confidence to set themselves up for success as they chart the course of their life. Whether they are contemplating leaving the nest or are already beginning to spread their wings, this convenient and credible resource will have them prepared for all of life’s milestones, as well as those times when things get rocky or uncertain. And what an uncertain world they’re flying into – but with the right guidance they’ll be prepared to overcome any obstacle and seize every opportunity! From the basics of opening a bank account, living within a budget and understanding debt to saving for those first big-ticket items, starting a job or striking out into the property market, FLY: Financially Literate Youth is the go-to reference guide for every situation life throws up. It also includes an inspirational chapter on mindset and goal-setting, finishing with the Top Ten Tips You Need to Succeed, including, ‘Find Your Tribe’, ‘If You Don’t Know, Ask’, ‘Be Patient, Be Opportunistic’ and, of course, ‘Spread Your Wings and FLY!’

The Rule of Three Fight for Power

The Rule of Three  Fight for Power
Author: Eric Walters
Publsiher: Penguin Canada
Total Pages: 400
Release: 2015-01-20
Genre: Young Adult Fiction
ISBN: 9780143193234

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In a world gone dark, life goes on for Adam and his fortified neighborhood of Eden Mills—even if the extreme steps taken by his battle-hardened mentor Herb, his police chief mom, and the other leaders in the name of security and survival are increasingly wrenching and questionable. But with renewed determination, Adam will follow Herb’s lead: he’ll do what it takes, he’ll make sense of having had to defeat the enemy in such awful ways. All that matters is that their suburban home is safe again—in a blackened world that still feels like a place worth living in. So when the next threat, more deadly and dangerous for being so unexpected, comes from within the walls, Adam isn’t ready for it. And soon the very person in whom this sixteen-year-old has placed all his hopes will pay the price, because of Adam’s mistakes, and mistaken trust.

Retirement Income for Life

Retirement Income for Life
Author: Frederick Vettese
Publsiher: ECW Press
Total Pages: 202
Release: 2020-10-20
Genre: Business & Economics
ISBN: 9781773056418

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Canada’s #1 bestselling retirement income book is now completely revised and updated. Vettese will show you how to mitigate risk and secure your financial future in these unpredictable times. As COVID-19 rocks the economy in an unprecedented black swan event, retirees and those who are preparing to retire need answers to pressing questions about their financial futures. Originally published in 2018, the second edition of Retirement Income for Life, has been completely revised and updated, and now includes: New chapters on early retirement, retiring single, what to do when one spouse dies young, and more. Three strategies for mitigating your personal financial risk in the current downturn in equities and other investment products. Advice on how to plan for (and even benefit from) the coming bear market, resulting from COVID-19, which will create unprecedented equity buying opportunities, possibly as early as 2021. Information on the impact of unbearably low interest rates on annuities and fixed income investments and what to do if you hold them. The reasons retirees should be deferring CPP until age 70 and why the case for this is stronger than ever. Author Frederick Vettese demystifies a complex and often frightening subject and provides practical, actionable advice based on five enhancements the reader can make to mitigate risk and secure their financial future. With over one thousand Canadians turning 65 every day, the cultivation of good decumulation practices — the way in which you draw down assets in retirement, ideally to have a secure income for the rest of your life — has become an urgent matter that no one can afford to ignore.

Model Rules of Professional Conduct

Model Rules of Professional Conduct
Author: American Bar Association. House of Delegates,Center for Professional Responsibility (American Bar Association)
Publsiher: American Bar Association
Total Pages: 216
Release: 2007
Genre: Law
ISBN: 1590318730

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The Model Rules of Professional Conduct provides an up-to-date resource for information on legal ethics. Federal, state and local courts in all jurisdictions look to the Rules for guidance in solving lawyer malpractice cases, disciplinary actions, disqualification issues, sanctions questions and much more. In this volume, black-letter Rules of Professional Conduct are followed by numbered Comments that explain each Rule's purpose and provide suggestions for its practical application. The Rules will help you identify proper conduct in a variety of given situations, review those instances where discretionary action is possible, and define the nature of the relationship between you and your clients, colleagues and the courts.

Rule 1

Rule  1
Author: Phil Town
Publsiher: Crown Currency
Total Pages: 405
Release: 2006-03-21
Genre: Business & Economics
ISBN: 9780307345752

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#1 NEW YORK TIMES BESTSELLER • “The clearest and best book out there to get you on the path to riches. This one’s special!”—Jim Cramer, host of CNBC’s Mad Money “Great tools for anyone wanting to dabble in the stock market.”—USA Today Phil Town is a very wealthy man, but he wasn’t always. In fact, he was living on a salary of $4,000 a year when some well-timed advice launched him down a highway of investing self-education that revealed what the true “rules” are and how to make them work in one’s favor. Chief among them, of course, is Rule #1: “Don’t lose money.” In this updated edition to the #1 national bestseller, you’ll learn more of Phil’s fresh, think-outside-the-box rules, including: • Don’t diversify • Only buy a stock when it’s on sale • Think long term—but act short term to maximize your return • And most of all, beat the big investors at their own game by using the tools designed for them! As Phil demonstrates in these pages, giant mutual funds can’t help but regress to the mean—and as we’ve all learned in recent years, that mean could be very disappointing indeed. Fortunately, Rule #1 takes readers step-by-step through a do-it-yourself process, equipping even the biggest investing-phobes with the tools they need to make quantum leaps toward financial security—regardless of where the market is headed.