Interactive Accounting to Accompany Intermediate Accounting, Ninth Edition Version 1.0

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Love Ben !!

Retirement Planning Made Comfortable

A book that gives you a look at most of the current variables to consider

SAVE MORE NOW!

Full of sound advice

Yes, You Can Still Retire Comfortably!: The Baby-Boom Retirement Crisis and How to Beat It
Ben Stein , and Phil DeMuth
Manufacturer: New Beginnings Press
ProductGroup: Book
Binding: Paperback

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ASIN: 1401903177

Book Description

The specter of retirement is haunting the baby-boom generation. The generation that’s used to having it all is suddenly finding that it doesn’t have enough.

Ben Stein and Phil DeMuth show you how to get back on track. They outline the steps you can take today to assure your future tomorrow. Backed up with facts and figures, they lay out exactly how much you need to save in order to maintain your standard of living, and how to invest your dollars to get the maximum return from your savings. For those already retired, they explain how to tap your nest egg to get the most income while keeping your money safe. This is a survival manual for the difficult but exciting road to retirement security.

Don’t leave middle age without it!

Customer Reviews:

Love Ben !!.......2007-10-01

Really enjoyed this book. I'm an experienced investor and still came away with useful information. For those who believe this was all gloom & doom....WAKE UP ! While I do believe they used a worst case scenerio their messages are right on. Start saving now, live below your means and learn about various investment options so you can take care of yourself in retirement. Great book to help pull peoples head out of the sand. I love Ben !!

Retirement Planning Made Comfortable.......2007-05-19

Ben Stein & Phil DeMuth have a simple rule for the new millennium: "If you're old enough to have sex, you're old enough to save for retirement." The same could be said for reading "YES, YOU CAN RETIRE COMFORTABLY!" Though targeted primarily for Baby Boomers, many facing an immanent retirement crisis, this fact based easily understandable book will benefit every generation old enough to reproduce.

The news is not good. The government does not have the resources to handle the Social Security and Medicare obligations of the soon to retire Baby Boomers let alone the generations that will follow them. Nor is there a plan in place to remedy this impending crisis. So don't count on Uncle Sam. For the 16% of Americans that that receives guaranteed-benefit pensions from their employers, things look a little better, but that's assuming the plan is adequately funded and that you'll ultimately get the benefit. Don't count on that either. According to the authors, "The pension liability has the potential to mushroom into one of the largest financial crises in U.S. history." How about 401 K's, the do it yourself pension alternative? On average 401 K balances are abysmally low. Whoa!

That's a lot of doom and gloom to absorb, and if you're waiting to hear who's coming to the rescue: it's you. Stop spending, start saving and start making wise investment decisions. No quick fixes. Ninety percent of the book is devoted to addressing the problem. The plan you need to follow is laid out in detail. What's more, it's a fun read because Stein and DeMuth write with clarity and humor.

A book that gives you a look at most of the current variables to consider.......2007-03-13

After reading this book, I can't say I felt reassured about "retiring comfortably" but I can say that I learned quite a bit. Stein and his co-author do provide formulas for both the conservative and more risk-tolerant saver and investor, including a "couch potato" formula for the conservative investor. Another point worth thinking about - how much you should have in U.S. investments and how much in international funds, especially in our ever global economy. Stein delves into this quite a bit.
I think the title of this book is a bit misleading and should read, "Yes, you MAY still Retire Comfortably" - IF you are able to save enough, inflation and taxes don't spiral out of control, etc. The ONE point I got from this book is that there are no formulas that guarantee a comfortable retirement but there are guidelines that up the chances of reaching that goal considerably.
Trouble is, if you want to be reasonably sure you'll have enough money for retirement you have to save a LOT more than the average American does and, ideally, carry little to no credit card debt. The figures, I'll admit, shook me up. Most Americans have HUGE mortages, significant credit card deb and are paying off debt (slowly) when they should be saving.
However, as grim as the picture may seem to be, Stein allows for readers to tack in variables such as expected Social Security income, various rates of inflation, etc. If the "best case" scenario occurs, people may not need to save as much. If the "worst case scenario" takes place, watch out!
I think most people reading this book will discover that they need to save FAR more than they think per year, stop counting on Social Security as a "given" , etc. The outlook for Baby Boomers isn't great, IF they don't heed the advice in this book and start thinking carefully about how important that designer outfit is - versus living decently in retirement.

SAVE MORE NOW!.......2007-02-13

A good wake up call. Very good practical advice. An easy read with classic dry Stein humor. Good for family and friends who are not paying attention.

Full of sound advice.......2006-12-04

I was very impressed with this book. It is full of sound advice for both the accumulation phase and distribution phase of investing.

The author's simple 2 Index Fund approach will probably beat most active fund approaches plus you can do other things besides managing your portfolio full time.

The authors also allowed up to a 50:50 split in the stock portion of their asset allocation between domestic and foreign stocks.

I also enjoyed their comparisons of alternative withdrawal strategies during the distribution phase.

The book has an excellent explanation of why companies can give a higher payout ratio to immediate annuity investors versus investors self-annuitizing their portfolio. This magic is due to insurance companies being able to pool their risks and plan for an average lifetime where investors must plan for their maximum versus average lifetime.

I found no flaws in their methodology for planning how much you need to save for retirement. The combination of tables (with spreadsheets on their web site) is a little complex to follow. It would have been nice if they put it together into one financial planning program on their web site.

Last, the authors have reached the same conclusion I have based upon the net worth and US savings rates data: Most Boomers will not save and invest enough to retire when they want to. The only choices that will be left to them are work longer, buy immediate annuities, sell your house using a reverse mortgage, or sell your house and trade down to a smaller house in an area with a lower cost of living.

I would suggest companion books to supplement this book including:
The Richest Man in Babylon
Bogle on Mutual Funds: New Perspectives for the Intelligent Investor
The Millionaire Next Door
The Four Pillars of Investing: Lessons for Building a Winning Portfolio
A Random Walk Down Wall Street: The Time-Tested Strategy for Successful Investing, Ninth Edition
Index Mutual Funds: How to Simplify Your Financial Life and Beat the Pro's
The Coffeehouse Investor: How to Build Wealth, Ignore Wall Street, and Get On With Your Life
The Bogleheads' Guide to Investing
Wealth: Grow It, Protect It, Spend It, and Share It
All About Asset Allocation.

Retirement Plans for Individuals and Small Business

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Retirement Plans for Individuals and Small Business
Nicholas Kaster , and Glenn Sulzer
Manufacturer: CCH Incorporated
ProductGroup: Book
Binding: Paperback

All Titles | Qualifying Textbooks - Fall 2007 | Stores | Books
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Beyond 401(k)s for Small Business Owners: A Practical Guide to Incentive, Deferred Compensation, and Retirement Plans

ASIN: 0808013742

Book Description

Written in an easy-to understand format, Retirement Plans for Individuals and Small Business aids the practitioner in helping clients to choose the appropriate retirement vehicle, set up and maintain the plan, and stay compliant with the rules and regulations. Numerous examples and planning pointers are used throughout.

In addition to CCH explanations, the book contains appendices with the full text of relevant provisions of the Internal Revenue Code, IRS regulations, rulings, and official forms that are needed to comply with the various tax rules. By combining CCH explanations with official documents, this book is useful for both the novice and seasoned professional.

Individuals and small business owners have a variety of retirement planning options from which to choose. Individuals can choose a Roth or traditional IRA and small business owners can incorporate such arrangements into a plan for their employees. Small business owners or sole proprietors can establish a Simplified Employee Pension (SEP) which may be maintained in conjunction with an IRA, or they can start a SIMPLE IRA or SIMPLE 401(k) plan can provide superior tax advantages. High-income small business owners may establish qualified defined benefit or defined contribution plans, often referred to as Keogh plans, which provide the greatest tax benefits but also carry the most administrative complexity. Each of these arrangements has its own set of rules and its own advantages and disadvantages.

Average customer rating:

Good Basic Overview

Too little, too simple

A tough topic tamed

Beyond 401(k)s for Small Business Owners

WOW - so when was this topic easy to understand?

Beyond 401(k)s for Small Business Owners: A Practical Guide to Incentive, Deferred Compensation, and Retirement Plans
Jean D. Sifleet
Manufacturer: Wiley
ProductGroup: Book
Binding: Paperback

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ASIN: 047127268X

Book Description

The ultimate reference on compensation for small business owners

Beyond 401(k)s for Small Business Owners presents strategies for reducing taxes, planning for your retirement, and rewarding high-performing employees. Expert advice from attorney and CPA Jean Sifleet will help small business owners maximize their own rewards and create an environment in which employees know that their hard work will mean a better future for themselves.

In clear, simple language this book helps you figure out what kind of plan you can afford, what your employees want, and what to do. Important tax and insurance issues are covered in detail and step-by-step guidance lets you design a compensation strategy that works for both you and your employees. Case studies, sample plans, and helpful references make this book your one-stop source for complete coverage of alternatives, from cash bonus programs to employee stock option plans (ESOPs) and everything in between. With Beyond 401(k)s for Small Business Owners you'll have all the tools you need to:

Maximize owner benefits, reduce taxes, and enhance your retirement income
Use creative compensation to motivate your employees
Understand qualified and nonqualified plans
Address the unique issues of family businesses
Get the best deal on insurance and benefits for your company
Avoid expensive pitfalls
Measure your progress and keep your plan on track

Download Description

A handy guide for small business owners who need creative ways to compensate employees

A key challenge for successful small business owners is how to compensate employees effectively to achieve company goals. It often takes more than just basic salary, benefits, and vacation time to attract and retain the high-performing employees small businesses need to thrive. Beyond 401(k)s for Small Business offers strategies on rewarding highly motivated employees and creating an environment in which employees know that their hard work will mean a better future for themselves. This is the only up-to-date book on the subject written specifically for small business owners. Attorney and CPA Jean Sifleet's expert advice will help small business owners develop and implement profit-sharing or equity-based incentive compensation plans, as well as the vast array of deferred compensation and pension plans, such as 401(k), Simplified Employee pensions, and ESOP.

Jean D. Sifleet, Esq (Clinton, MA), is an attorney and CPA, as well as the principal of Smart Fast Consulting, which advises small business owners.

Customer Reviews:

Good Basic Overview.......2006-11-12

This book is a good introduction to retirement plans. It explains the pros and cons of each type of plan in plain English. This book is recommended for people who want a good background before they talk with a plan administrator, financial planner or tax professional.

However, for people who want more detailed information on how each plan works, especially if you're a sole proprietor, I would suggest "Creating Your Own Retirement Plan: A Guide to Keoghs and IRAs for the Self-Employed" (Nolo Press, 2002) by Amy Delpo, John C. Suttle and Twila Slesnick instead.

Too little, too simple.......2006-11-07

Not quite enough information or detail for my use. Perhaps useful for the very small business or for a very basic introduction.

A tough topic tamed.......2003-11-24

For business owners, senior execs and their advisors, Jean's book is straight forward reading with valuable charts and graphs. It includes tips and tricks from seasoned advisors and ample references.

Beyond 401(k)s for Small Business Owners.......2003-11-18

This book has a narrow audience and most people would have no interest. But if you, like I, own a small business: buy this book!!! The subject (keeping the money you have earned) is quite complex, with many different plans and programs. This book makes you aware of your options and shows you the steps you need to take to put each plan in action. Perhaps the best benefit of all is a review of the costs and complexity of each plan type. A plan that can shield you from taxes, but costs a fortune to put in place and maintain, has obvious limitations. But the salesperson trying to sell you that type of plan may not give you all the detail on the long term costs. If you own a business and ever plan to retire, buy this book.

WOW - so when was this topic easy to understand?.......2003-10-29

"Mumbo jumbo best left to the professionals" is how I always felt when confronted with decisions on these topics. Atty Sifleet has made this an easy read and so understandable. Even a one-person company techie like me can figure it out. Congratulations Jean!

Average customer rating:

Free Money For Your Retirement
Matthew Lesko , and Mary Ann Martello
Manufacturer: Information USA
ProductGroup: Book
Binding: Paperback

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ASIN: 1878346601

Book Description

You don't have to retire rich to have a rich retirement!

Book Description

This course focuses on rules directly affecting the choice by small businesses of retirement plan products. It combines basic explanations of plan types, with instruction on how to fit a business with a retirement plan that will suit a business owners objectives and circumstances.

Due to the recent passage of the Economic Growth and Tax Relief Reconciliation Act of 2001many Dearborn courses have been affected. A Quick Reference Guide on the Tax Act has been created to explain the impact the Act has on these courses. A quick reference guide will be included with the purchase of this course.

Customer Reviews:

Generalized information ,too little detail.......2003-04-26

This is a good book if you have never owned rabbits and this will be one of a few a books that you plan on reading, because despite the authors experience and education on the subjects in the book he seems as if he is rushing it just a little, granted it is old (last pub date was 1988), and also as if he is preaching his way rather than letting you develop experience through guidance through learning your own way, there are ways to screw up and there are those who get it no matter what. I highly suggest that you do your research before you consider owning rabbits, I disagree with the authors view on raising rabbits primarily for meat, with my animals I raise primarily for the coats and angora wool which I tan the hides and spin with down from my chickens) and sell them locally, meat is mearly a by product for me and believe me it can really help on your grocery bill. Just do yourself and all the rest of us who are in this business a favor, educate yourself first before you even buy a rabbit.

It's old.......2000-01-05

this is a great book but it was revised in 1988. That is hardly the modern way. Actually, most things don't change but I found a few things that are not true (like what kind of hay to feed). Any way, consider all your possibilities before investing in this book.

Not quite enough.......1999-11-03

As beginners, we didn't feel this book gave us enough detailed information to care for the rabbits confidently.

This book is good for commerical and show rabbits........1999-03-28

As a small homstead rabbit rasier, I was disappointed in buying this book. It seemed to be only for the commerical and show rabbit rasiers.

An excellent book about rabbits.......1998-12-01

This is one of the finest books ever written about rabbits . I use mine on an average of weekly,this book is a must have for rabbit raisers and breeders.

Average customer rating:

Raising Rabbits the Modern Way

Manufacturer: Pownal, VT, U. S. A. : Storey Books, 1983
ProductGroup: Book
Binding: Paperback
ASIN: B000HFLK5M

Average customer rating:

Raising Rabbits the Modern Way
Bob Bennett
Manufacturer: Garden Way Pub.
ProductGroup: Book
Binding: Hardcover
ASIN: B000QCV5MY

Product Description

Brown cloth over boards, gilt letters. Index. Illustrated.

Average customer rating:

Raising Rabbits The Modern Way -
Bob Bennett -
Manufacturer: Garden Way Publishing -
ProductGroup: Book
Binding: Paperback
ASIN: B000O08IQY

Average customer rating:

Raising Rabbits the Modern Way -
Bob Bennett -
Manufacturer: Garden Way Press -
ProductGroup: Book
Binding: Paperback
ASIN: B000O0FEEI

Average customer rating:

Raising Rabbits the Modern Way

Manufacturer: Storey Books
ProductGroup: Book
Binding: Paperback
ASIN: B000HFIWZ8

Book Description

Papers presented at the Second International Symposium on Beamed Energy Propulsion demonstrated that this field is getting more active and has advanced considerably since last year. Japan demonstrated a microwave rocket using a 1MW gyrotron and China produced a laser launcher. Topics include: fluid dynamics in laser propulsion; ablative laser propulsion; microwave propulsion; mission proposal and analysis; hybrid systems and new concepts; beam transmission and reception; beam generation.

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