LEADER 01659nas 2200385 n 450 001 990008946670403321 005 20240229084238.0 011 $a0045-6454 035 $a000894667 035 $aFED01000894667 035 $a(Aleph)000894667FED01 035 $a000894667 091 $2CNR$aP 00098098 100 $a20161109b19711979km-y0itaa50------ba 101 0 $aeng 102 $aUS 110 $aauu-------- 200 1 $aCRC critical reviews in microbiology 207 1$a1971-1979 210 $aCleveland$cChemical Rubber Co. 440 0$12001$aCritical reviews in microbiology 530 0 $aCRC critical reviews in microbiology 675 $a576 676 $a576/.05 712 02$aChemical Rubber Company 801 0$aIT$bACNP$c20090723 859 4 $uhttp://acnp.cib.unibo.it/cgi-ser/start/it/cnr/dc-p1.tcl?catno=84341&person=false&language=ITALIANO&libr=&libr_th=unina1$zBiblioteche che possiedono il periodico 901 $aSE 912 $a990008946670403321 958 $aBiblioteca. Dipartimento Scienza degli Alimenti. Sez. Microbiologia Agraria. Università Federico II di Napoli (Palazzo Mascabruno)$b1971-1976;$fDAGMI 959 $aDAGMI 996 $aCRC critical reviews in microbiology$9797464 997 $aUNINA AP1 8 $6866-01$aNA138 Biblioteca. Dipartimento Scienza degli Alimenti. Sez. Microbiologia Agraria. Università Federico II di Napoli (Palazzo Mascabruno)$ev. Università,100, Portici (NA)$m08125.39322$nit AP2 40$aacnp.cib.unibo.it$nACNP Italian Union Catalogue of Serials$uhttp://acnp.cib.unibo.it/cgi-ser/start/it/cnr/df-p.tcl?catno=84341&language=ITALIANO&libr=&person=&B=1&libr_th=unina&proposto=NO LEADER 05605nam 22007454a 450 001 9911019605503321 005 20200520144314.0 010 $a9786610721924 010 $a9780470653937 010 $a0470653930 010 $a9781280721922 010 $a1280721928 010 $a9780470112472 010 $a0470112476 010 $a9780470112465 010 $a0470112468 024 7 $a10.1002/0470112476 035 $a(CKB)1000000000354693 035 $a(EBL)281872 035 $a(SSID)ssj0000147581 035 $a(PQKBManifestationID)11160823 035 $a(PQKBTitleCode)TC0000147581 035 $a(PQKBWorkID)10015897 035 $a(PQKB)10372709 035 $a(MiAaPQ)EBC281872 035 $a(CaBNVSL)mat05237441 035 $a(IDAMS)0b0000648109572e 035 $a(IEEE)5237441 035 $a(OCoLC)86221718 035 $a(PPN)271739096 035 $a(Perlego)2759466 035 $a(EXLCZ)991000000000354693 100 $a20070605d2007 uy 0 101 0 $aeng 135 $aur|n|---||||| 181 $ctxt 182 $cc 183 $acr 200 10$aEngineering your retirement $eretirement planning for technology professionals /$fMike Golio 210 $aHoboken, N.J. $cJ. Wiley & Sons$dc2007 215 $a1 online resource (226 p.) 300 $aDescription based upon print version of record. 311 08$a9780471776161 311 08$a0471776165 320 $aIncludes bibliographical references (p. 183-197) and index. 327 $aPreface. -- Acknowledgments. -- 1. Retire On Your Schedule. -- 1.1. Retirement Options. -- 1.2. Is There a Retirement Crisis? -- 1.3. How Much Do I Need to Retire? -- 1.4. How Long Will it Take Me to Save Enough Money? -- 1.5. Learning Your Own Life Values. -- 2 Analysis Tools and Calculations. -- 2.1. Predictions Based on Average Returns and Inflation. -- 2.2. Spending Models. -- 2.3. Historical Data. -- 2.4. Monte Carlo Simulation. -- 2.5. Historical Simulation and the 4% Rule. -- 3 Live Below Your Means (LBYM). -- 3.1. Spending. -- 3.2. Breaking the Relationship Between Earning and Spending. -- 3.3. Establishing Budget Projections. -- 3.4. Credit Cards. -- 3.5. Increasing Earnings. -- 4 Emergency Funds and Insurance (First Take Care of Stability). -- 4.1. Medical Insurance and Healthcare Budgets. -- 4.2. Emergency Fund. -- 4.3. Personal Financial Concerns. -- 4.4. Documents. -- 5 Investment Instruments. -- 5.1. Bonds. -- 5.2. Stocks. -- 5.3. Real Estate. -- 5.4. Annuities. -- 5.5. Defined Benefit Plans (Pensions). -- 5.6. Cash and Certificates of Deposit. -- 5.7. Social Security. -- 5.8. Mutual Funds. -- 5.9. Exchange-Traded Funds (ETFs). -- 5.10. Commodities. -- 6 Your Investment Plan. -- 6.1. Eliminate "Bad? Debt. -- 6.2. Investment Issues. -- 6.3. Tax-Advantaged Accounts and Free Money. -- 6.4. Taxable Investments. -- 6.5. House--Purchase or Rent? -- 6.6. Mortgage Payoff Decision. -- 6.7. Taxes. -- 7 What Will I Do When I Retire? -- 7.1. Work Part-Time. -- 7.2. Travel. -- 7.3. Volunteer. -- 7.4. Recreation and Leisure. -- 7.5. Health and Self-Improvement. -- 8 Final Issues. -- 8.1. Before You Leave the Building. -- 8.2. Where to Live. -- 8.3. Sources of Income. -- 8.4. Taxes. -- 8.5. Rebalancing. -- 8.6. Heirs. -- Appendix A: Web Site URLs: Information, Online Calculators and Software. -- Appendix B: Fundamental Financial Equations. -- Appendix C: Longevity Table. -- Index. -- About the Author. 330 $aA practical retirement planning resource for engineers, scientists, and mathematicians In 1995, Dr. Mike Golio, an electrical engineer, became seriously interested in planning for early retirement. In 2003, at the age of 49, he and his wife achieved their goal of financial independence and retired. Engineering Your Retirement is an outgrowth of his research. Whether retirement is imminent or many years off, this valuable guide's straightforward, analytical approach to financial independence answers the critical questions to achieving successful, comfortable, and meaningful retirement. Written specifically for professionals in the engineering, science, and math fields, Engineering Your Retirement examines such important questions as: * How much money will I need to retire? * How long will it take for me to accumulate it? * What types of post-retirement activities are available to technical professionals? Engineering Your Retirement discusses financial independence from the unique cultural view of the technical professional and features many charts, graphs, analytical tools, and equations to help present the financial nuts-and-bolts of retiring in a logical and analytical manner. It offers practical, firsthand advice from an industry expert on: * Effectively budgeting for investments * Planning for health insurance * Choosing a retirement community * Building up a cash/bond ladder * Considering inflation * Portfolio requirements * Investment allocations * Paying off a mortgage * And much more!. 606 $aEngineers$xRetirement 606 $aScientists$xRetirement 606 $aProfessional employees$xRetirement 606 $aRetirement$xPlanning 615 0$aEngineers$xRetirement. 615 0$aScientists$xRetirement. 615 0$aProfessional employees$xRetirement. 615 0$aRetirement$xPlanning. 676 $a646.79 676 $a646.790885 700 $aGolio$b John Michael$f1954-$01595403 801 0$bMiAaPQ 801 1$bMiAaPQ 801 2$bMiAaPQ 906 $aBOOK 912 $a9911019605503321 996 $aEngineering your retirement$93916348 997 $aUNINA