LEADER 05358nam 2200661 450 001 9910143414503321 005 20211109143509.0 010 $a0-470-65393-0 010 $a1-280-72192-8 010 $a9786610721924 010 $a0-470-11247-6 010 $a0-470-11246-8 024 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(EXLCZ)991000000000354693 100 $a20070326h20152007 uy 0 101 0 $aeng 135 $aur|n|---||||| 181 $ctxt 182 $cc 183 $acr 200 10$aEngineering your retirement /$fMike Golio 210 1$aHoboken, New Jersey :$cWiley,$d2007. 215 $a1 online resource (226 p.) 300 $aDescription based upon print version of record. 311 $a0-471-77616-5 320 $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-$0845686 801 0$bCaBNVSL 801 1$bCaBNVSL 801 2$bCaBNVSL 906 $aBOOK 912 $a9910143414503321 996 $aEngineering your retirement$91887900 997 $aUNINA LEADER 03677nam 2200601 a 450 001 996248106703316 005 20221103135432.0 010 $a0-585-17645-0 010 $a0-520-91191-1 024 7 $a2027/heb04981 035 $a(CKB)111057870437034 035 $a(dli)HEB04981 035 $a(SSID)ssj0000216430 035 $a(PQKBManifestationID)11217413 035 $a(PQKBTitleCode)TC0000216430 035 $a(PQKBWorkID)10214814 035 $a(PQKB)11421266 035 $a(MiU)MIU01000000000000007008882 035 $a(DE-B1597)649399 035 $a(DE-B1597)9780520911918 035 $a(EXLCZ)99111057870437034 100 $a19891127d1989 ub 0 101 0 $aeng 135 $aurmnummmmuuuu 181 $ctxt 182 $cc 183 $acr 200 04$aThe origins of backwardness in Eastern Europe $eeconomics and politics from the Middle Ages until the early twentieth century /$fedited by Daniel Chirot 210 $aBerkeley $cUniversity of California Press$dc1989 215 $a1 online resource (ix, 260 p. ) 300 $aPapers originally presented at a conference in June 1985 at Bellagio, Italy. 311 $a0-520-07640-0 311 $a0-520-06421-6 320 $aIncludes bibliographical references and index. 327 $tFrontmatter -- $tContents -- $tAcknowledgments -- $t1. Causes and Consequences of Backwardness -- $t2. Economic Backwardness in Eastern Europe in Light of Developments in the West -- $t3. Agrarian Systems of Central and Eastern Europe -- $t4. The Polish Economy and the Evolution of Dependency -- $t5. Tradition and Rural Change in Southeastern Europe During Ottoman Rule -- $t6. Imperial Borderlands or Capitalist Periphery? Redefining Balkan Backwardness, 1520-1914 -- $t7. The Social Origins of East European Politics -- $tContributors -- $tIndex 330 $aReaching back centuries, this study makes a convincing case for very deep roots of current Eastern European backwardness. Its conclusions are suggestive for comparativists studying other parts of the world, and useful to those who want to understand contemporary Eastern Europe's past. Like the rest of the world except for that unique part of the West which has given us a false model of what was "normal," Eastern Europe developed slowly. The weight of established class relations, geography, lack of technological innovation, and wars kept the area from growing richer.In the nineteenth century the West exerted a powerful influence, but it was political more than economic. Nationalism and the creation of newly independent aspiring nation-states then began to shape national economies, often in unfavorable ways.One of this book's most important lessons is that while economics may limit the freedom of action of political players, it does not determine political outcomes. The authors offer no simple explanations but rather a theoretically complex synthesis that demonstrates the interaction of politics and economics. 410 0$aACLS Humanities E-Book. 606 $aEconomic History$2HILCC 606 $aBusiness & Economics$2HILCC 607 $aEurope, Eastern$xEconomic conditions$vCongresses 607 $aEurope, Eastern$xPolitics and government$vCongresses 615 7$aEconomic History 615 7$aBusiness & Economics 676 $a330.947 700 $aChirot$b Daniel, $4aut$4http://id.loc.gov/vocabulary/relators/aut$00 701 $aChirot$b Daniel$0158335 712 02$aAmerican Council of Learned Societies. 801 0$bMiU 801 1$bMiU 906 $aBOOK 912 $a996248106703316 996 $aThe Origins of backwardness in Eastern Europe$92419546 997 $aUNISA