Falling Short


Book Description

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Falling Short


Book Description

The United States faces a serious retirement challenge. Many of today's workers will lack the resources to retire at traditional ages and maintain their standard of living in retirement. Solving the problem is a major challenge in today's environment in which risk and responsibility have shifted from government and employers to individuals. For this reason, Charles D. Ellis, Alicia H. Munnell, and Andrew D. Eschtruth have written this concise guide for anyone concerned about their own - and the nation's - retirement security. Falling Short is grounded in sound research yet written in a highly accessible style. The authors provide a vivid picture of the retirement crisis in America. They offer the necessary context for understanding the nature and size of the retirement income shortfall, which is caused by both increasing income needs-due to longer lifespans and rising health costs-and decreasing support from Social Security and employer-sponsored pension plans. The solutions are to work longer and save more by building on the existing retirement system. To work longer, individuals should plan to stay in the labor force until age 70 if possible. To save more, policymakers should shore up Social Security's long-term finances; make all 401(k) plans fully automatic, with workers allowed to opt out; and ensure that everyone has access to a retirement savings plan. Individuals should also recognize that their house is a source of saving, which they can tap in retirement through downsizing or a reverse mortgage.




Don't Fall For It


Book Description

Learn financial and business lessons from some of the biggest frauds in history Why does financial fraud persist? History is full of sensational financial frauds and scams. Enron was forced to declare bankruptcy after allegations of massive accounting fraud, wiping out $78 billion in stock market value. Bernie Madoff, the largest individual fraudster in history, built a $65 billion Ponzi scheme that ultimately resulted in his being sentenced to 150 years in prison. People from all walks of life have been scammed out of their money: French and British nobility looking to get rich quickly, farmers looking for a miracle cure for their health ailments, several professional athletes, and some of Hollywood’s biggest stars. No one is immune from getting deceived when money is involved. Don’t Fall For It is a fascinating look into some of the biggest financial frauds and scams ever. This compelling book explores specific instances of financial fraud as well as some of the most successful charlatans and hucksters of all-time. Sharing lessons that apply to business, money management, and investing, author Ben Carlson answers questions such as: Why do even the most intelligent among us get taken advantage of in financial scams? What make fraudsters successful? Why is it often harder to stay rich than to get rich? Each chapter in examines different frauds, perpetrators, or victims of scams. These real-life stories include anecdotes about how these frauds were carried out and discussions of what can be learned from these events. This engaging book: Explores the business and financial lessons drawn from some of history’s biggest frauds Describes the conditions under which fraud tends to work best Explains how people can avoid being scammed out of their money Suggests practical steps to reduce financial fraud in the future Don’t Fall For It: A Short History of Financial Scams is filled with engrossing real-life stories and valuable insights, written for finance professionals, investors, and general interest readers alike.




Falling Short


Book Description

"This book examines the defining role of failure and inaction in the history of the bildungsroman in nineteenth- to early twentieth-century Europe"--




Falling Short


Book Description

'Funny, engaging and beautifully written' M. L. Stedman Sometimes getting it wrong is the only way to get it right . . . Frances Pilgrim's father went missing when she was five, and ever since all sorts of things have been going astray: car keys, promotions, a series of underwhelming and unsuitable boyfriends . . . Now here she is, thirty-bloody-nine, teaching Shakespeare to rowdy sixth formers and still losing things. But she has a much more pressing problem. Her mother, whose odd behaviour Frances has long put down to eccentricity, is slowly yielding to Alzheimer's, leaving Frances with some disturbing questions about her father's disappearance, and the family history she's always believed in. Frances could really do with someone to talk to. Ideally Jackson: fellow teacher, dedicated hedonist, erstwhile best friend. Only they haven't spoken since that night last summer when things got complicated . . . As the new school year begins, and her mother's behaviour becomes more and more erratic, Frances realises that she might just have a chance to find something for once. But will it be what she's looking for?




A Fool's Errand


Book Description

Unless you've been living under a rock, you've heard how important it is to set goals. You've probably also heard a million different life hacks to help you reach them: get more sleep, meditate, journal. That's all helpful advice, but when push comes to shove, it won't help you lead a more fulfilling, peaceful life. That's because the key to success is how you pick the best goals...for you. The goals you set must be consistent with your inner core values. As Roy Cook shows, every person has 10-20 core values, unique to them. And when you build a life around your core values, success will follow. In the words of Socrates, "The unexamined life is not worth living." A Fool's Errand is your indispensable guide to self-examination and value-oriented living. You will learn what core values are, how to discover them, and how to use your values to make wise goal choices. You don't need life hacks. All the tools you need are already inside you.




Falling Short of the Glory


Book Description

There is an anointing of God on this book to help believer evolve from stagnant Christians into a royal priesthood. This will encourage people at this present time and for generations to come move into the sanctuary of God and the process depends on each individual. The process of a disciple is a renewed spirit and mind for the glory of God moving the believers from glory to glory. The things they see in others Christians life often distract believers and the people around them that make them believe the process of spiritual growth is over. The process is not over until they are in the Witness Protection Program, their brothers keepers and bringing many souls along with them. The process is continuous and cannot be ignored or overlooked because of the inconvenience that it may and will cause to the individual. The fifth chapter of Matthew, in The Beatitudes, Jesus gives the believers a promise throughout each level of the process with the end is great is your reward in Heaven. This book serves as a reminder to believers that have Fallen Short of the Glory that they can renew their hope and find rest for their souls. Once the believers balance their lives with the Word and enhance it in His presence they can live and love again. The promises of God are true and can be obtained in each believers life if they follow the growth process.




When Tears Fall Short


Book Description

“When Tears Fall Short” is the true story of the life of a young woman ravaged by war and loss, who feels compelled to record her account of World War II. She sees life through the eyes of a human being struggling to stay alive and at the same time blossoming into womanhood. The resilient nature of the human spirit under the worst of circumstances illustrates itself vividly in this book. The reader is blissfully lost in love one moment and feels the writer's despair the next moment; this book toils with your emotions as untold history unfolds. One example of history that the world is not aware of, is the De-Nazification status that the German government gave to Nazis for the equivalent of a $500 charge. After the war, Nazis could legally declare by a government decree that they were not Nazis during the war. The only requirement for this service was to pay a fee. This memoir begins in 1939, in the small Polish village of Nowy Dwor, on the outskirts of Warsaw. It explores the hopes and dreams of a young girl coming of age into an expanding world of abundant possibilities. The events that come into her life alter her entire destiny as she grows up overnight into a world that is unbearable to endure. As the war ends, the author finds herself in the most complex of life’s predicaments. Although, as Jews they have lost their entire families to war, the author, her husband and child are placed as refugees, into the home of a nazi family. The ironies of life are explored in the most unusual and unlikely situation that is, amazingly, at the core of human depth. The book ends ten years later at the eve of the birth of a new Israel and the eve of a new life for the next generation. This eloquent, masterful and unusual memoir is written with simplicity and intelligence that will haunt and provoke the reader’s mind. The journey through history, through the perspective of a little girl and now, a woman of wisdom, will take you to the other side of war. This is the place where future generations can learn from their common lineage of war. This memoir encourages the reader to bear the inheritance of bigotry for the purpose of never having to relive it. As you read the pages in this book, you will see the unwritten message as a warning for what could happen again and a hope for the fruitful destiny of humanity. UPDATE: On September 11, 2001 Halina watched the news of the attack on America all day and all evening. She said "it ́s another Holocaust". She went to sleep and had a fatal stroke. We are interested in filming her life story. Please use www.xlibris.com to obtain contact information if you can assist in any manner. Thank you.




Why Infrastructure Financing Facilities Often Fall Short of Their Objectives


Book Description

To encourage the private funding and provision of infrastructure services, governments have used specialized financing facilities to offer financial support to investors. A study of five cases shows that these facilities have often fallen short of their objectives, for two main sets of reasons. First, the environment was not conducive to private participation in infrastructure. And second, the facility was faulty in design.




Falling Short


Book Description