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How Much Can I Spend in Retirement?: A Guide to Investment-Based ...
by Wade Pfau

Language

English

Pages

Publication Date

October 17, 2017

Product Description
Customer Reviews
How much can you spend in retirement? Naturally, this is an essential question for those approaching this important life transition. Essentially, if you wish to retire one day, you are increasingly responsible for figuring out how to save during your working years and convert your savings into sustainable income for an ever-lengthening number of retirement years. The nature of risk also changes in retirement, as the lifestyle of retirees become more vulnerable to the impacts of market volatility, unknown longevity, and spending shocks. Retirees have one opportunity to build a successful plan. It is not an easy task, but it is manageable. <br />This book focuses on sustainable spending from investments, which is an important piece of any retirement plan. People want to know if they have saved enough to be able to fund their lifestyle in retirement. In this book, I explain the findings of a large body of financial planning research regarding sustainable spending from investment portfolios in the face of a variety of retirement risks.<br />That body of research tends to begin with the 4 percent rule of thumb for retirement spending. I explain how and why it was developed, what it means, and when it may or may not be appropriate for retirees. William Bengen’s 1994 study gave us the concept of the SAFEMAX, which is the highest sustainable spending rate from the worst-case scenario observed in the US historical data. The Trinity study added portfolio success rates from the historical data for different spending strategies. Both studies suggest that for a thirty-year retirement period, a 4 percent inflation-adjusted withdrawal rate using a 50–75 percent stock allocation should be reasonably safe.<br />I have reservations about the 4 percent rule. It may be too aggressive for current retirees for reasons including increasing longevity, historically low interest rates coupled with higher than average stock market valuations, the impact of the international experience with the 4 percent rule casting a different light than 20th century US historical data, the need to maintain a rather aggressive asset allocation to have the best shot at success, and because the 4 percent rule assumes that investors do not pay any fees or otherwise underperform the underlying market indices.<br />However, other factors suggest that sustainable spending may be even higher than traditional studies imply. Reasons for this include that actual retirees may tend to reduce their spending with age, that they build more diversified portfolios than used in the basic research studies, that real-world retirees may be willing to adjust spending for realized portfolio performance, and that some retirees may have the capacity and tolerance to accept higher portfolio failure probabilities because they have other sources of income from outside their portfolios. Related to these points, I also analyze nine variable spending strategies for retirees as well as the use of strategies that support short-term spending needs with individual bonds and longer-term spending needs with stocks. <br />Retirees need to weigh the consequences between spending too little and spending too much—that is, being too frugal or running out of assets.<br />This book is about implementing what I call the “probability-based” school of thought for retirement planning. It is especially relevant for people who plan to fund their retirements using an investment portfolio and those who are hesitant about using income annuities or other insurance products. I will explore annuities and insurance more extensively in later volumes since I do believe in the value of risk pooling as an additional source of returns to more efficiently meet retirement spending goals. But for now, we have plenty to discuss within the world of sustainable spending from an investment portfolio in retirement. The book concludes with a discussion about how to put these ideas together into a retirement spending plan.
The TB12 Method: How to Achieve a Lifetime of Sustained Peak Perf...
by Tom Brady

Language

English

Pages

296

Publication Date

September 19, 2017

Product Description
Customer Reviews
<b>The first book by New England Patriots quarterback Tom Brady—the five-time Super Bowl champion who is still reaching unimaginable heights of excellence at forty years old—a gorgeously illustrated and deeply practical “athlete’s bible” that reveals Brady’s revolutionary approach to sustained peak performance for athletes of all kinds and all ages.</b><BR><BR>In modern sports, some athletes have managed to transcend their competition in a way that no one will ever forget: Jordan. Jeter. Ali. Williams. These elite legends have changed the game, achieved the unthinkable, and pushed their bodies to unbelievable limits. Joining their exclusive ranks is Tom Brady.<BR> <BR>“Brady is the healthiest great champion the NFL has ever had, both physically and mentally” (Sally Jenkins, <i>The Washington Post</i>). The longtime New England Patriots quarterback, who in 2017 achieved his fifth Super Bowl win and fourth Super Bowl MVP award, is widely regarded as an athlete whose training and determination pushed him from a mediocre draft position to the most-revered and respected professional football player of his generation.<BR> <BR>In <i>The TB12 Method</i>, Tom Brady explains how he developed his groundbreaking approach to long-term fitness, presenting a comprehensive, step-by-step guide to his personal practice. Brady offers the principles behind pliability, which is at the heart of a new paradigm shift and movement toward a more natural, healthier way of exercising, training, and living—and one that challenges some commonly held assumptions around health and wellness. Filled with lessons learned from Brady’s own peak performance training, and step-by-step action steps to help readers develop and maintain their own peak performance, <i>The TB12 Method </i>also advocates for more effective approaches to strength training, hydration, nutrition, supplementation, cognitive fitness, recovery, and other lifestyle choices that dramatically decrease the risk of injury while amplifying and extending performance, as well as quality of life.<BR> <BR>After using his methods for over a decade, Brady believes that the TB12 approach has made him—and can make any athlete, male or female, in any sport and at any level—achieve their own peak performance. With instructions, drills, photos, in-depth case studies that Brady himself has used, as well as personal anecdotes and experiences from on and off the field, <i>The TB12 Method</i> is the only book an athlete will ever need, a playbook from Brady himself that will change the game.
It's not about the Broccoli (Broccoli Series Book 1)
by Amanda Midence

Language

English

Pages

Publication Date

October 15, 2017

Product Description
Customer Reviews
"It's not about the broccoli" focuses on a more holistic aspect of mind and body nutrition. It dares us to view food as a secondary source of nourishment and instead, integrate all areas of our lives in our eating experience.
The Blue Zones of Happiness: Lessons From the World's Happiest Pe...
by Dan Buettner

Language

English

Pages

288

Publication Date

October 03, 2017

Product Description
Customer Reviews
<b><i>New York Times</i> best-selling author Dan Buettner reveals the surprising secrets of what makes the world's happiest places—and shows you how to apply these lessons to your own life.</b><br />      In this inspiring guide, you’ll find game-changing tools drawn from global research and expert insights for achieving maximum fulfillment. Along the way, you'll:<br /> • Discover the three strands of happiness—pleasure, purpose, and pride—that feature prominently in the world's happiest places.<br /> • Take the specially designed Blue Zones Happiness Test to pinpoint areas in your life where you could cultivate greater joy, deeper meaning, and increased satisfaction.<br /> • Meet the world's Happiness All-Stars: inspiring individuals from Denmark to the United States who reveal dynamic, practical ways to improve day-to-day living.<br /> • Discover specific, science-based strategies for setting up a “life radius” of community, work, home, and self to create healthier, happiness-boosting habits for the long-term.
Fast Food Genocide: How Processed Food is Killing Us and What We ...
by , Robert Phillips

Language

English

Pages

352

Publication Date

October 17, 2017

Product Description
Customer Reviews
<p><strong>From the #1 <em>New York Times</em> bestselling author of <em>Eat to Live</em> and <em>The End of Diabetes</em>, an unflinching, provocative exploration of how our food is killing us and the ways in which we are unwitting participants in an unprecedented and exploding health crisis. </strong></p><p>Fast food is far more than just the burgers, fries, and burritos served at chain restaurants; it is also the toxic, human-engineered products found in every grocery store across America. These include: cold breakfast cereals; commercial and preserved (deli) meats and cheeses; sandwich breads and buns; chips, pretzels, and crackers; fried foods; energy bars; and soft drinks. Fast foods have become the primary source of calories in the United States and consequently the most far-reaching and destructive influence on our population. The indisputable truth is that our highly processed diet is the source of a national health crisis that is exploding into a genocide with unseen tragic implications.</p><p>Heart attacks, strokes, cancer, obesity, ADHD, autism, allergies, and autoimmune diseases all have the same root cause – our addiction to toxic ingredients. <em>New York Times </em>bestselling author, board-certified physician, nutritional researcher, and leading voice in the health field Joel Fuhrman, M.D., explains why the problem of poor nutrition is deeper, more serious, and more pervasive than anyone imagined.</p><em><p>Fast Food Genocide </em>draws on twenty-five years of clinical experience and research to confront our fundamental beliefs about the impact of what we eat. This book identifies issues at the heart of our country’s most urgent problems. Fast food kills, but it also perpetuates bigotry and derails the American dream of equal opportunity and happiness for all. It leaves behind a wake of destruction creating millions of medically dependent and sickly people burdened with poor-quality lives.</p><p>The solution hiding in plain sight — a nutrientdense healthful diet — can save lives and enable humans to reach their intellectual potential and achieve successful and fulfilling lives. Dr. Fuhrman offers a life-changing, scientifically sound approach that can alter American history and perhaps save your life in the process.</p>
A Beautiful Work In Progress
by Mirna Valerio

Language

English

Pages

336

Publication Date

October 01, 2017

Product Description
Customer Reviews
<p>Runners’ vocabulary is full of acronyms like DNS for “Did Not Start” and DNF for “Did Not Finish,” but when Mirna Valerio stepped up to the starting line, she needed a new one: DNQ for “Did Not Quit.”</p><p>Valerio has tied on her running shoes all across the country, from the dusty back roads of central New Jersey to the busy Route 222 corridor in Pennsylvania to the sweltering deserts of Arizona. When you meet her on the trail, you might be surprised to see she doesn’t quite fit the typical image of a long-distance runner. She’s neither skinny nor white, and she’s here to show just how misguided these stereotypes can be.</p><p>In this prejudice-busting, body-positive memoir told with raw honesty, an adventurous spirit, and a sharp sense of humor, Valerio takes readers along on her journey from first-time racer to ultramarathoner and proves that anyone can become a successful athlete.</p>
Food Can Fix It: The Superfood Switch to Fight Fat, Defy Aging, a...
by Mehmet Oz

Language

English

Pages

368

Publication Date

September 26, 2017

Product Description
Customer Reviews
<b>Includes the 21-Day Weight Loss Jumpstart!</b><BR> Improve your life through your diet with a friendly, non-punishing, and completely authoritative approach to harnessing the healing power of food from Dr. Mehmet Oz, America’s #1 authority on health and well-being.<BR><BR>What if you had an effortless way to improve your mood, heal your body, lose weight, and feel fantastic? What if a cure for everything from fatigue to stress to chronic pain lay at your fingertips? In his groundbreaking new book, Dr. Oz reveals how every meal, snack, and bite we take holds the solution to our health problems.<BR> <BR> In a world of endless choices, determining what to eat and when to eat it can seem overwhelming. Fortunately, it doesn’t have to be this way. In <i>Food Can Fix It</i>, Dr. Oz lays out a simple, easy-to-follow blueprint for harnessing the healing power of food. Through simple modifications and a meal plan filled with nutrient-rich superfoods, Dr. Oz explains how to kickstart weight loss, improve your energy, decrease inflammation, and prevent or alleviate a host of other common conditions—all without medication. His plan also includes stress-free, healthy, and delicious recipes and appealing full-color photographs that show just how easy it can be to improve your well-being through the food you eat. Drawing on responses from thousands of readers of <i>The Good Life</i>, Dr. Oz's popular, prize-winning magazine, <i>Food Can Fix It</i> is the ultimate guide to eating for health, and the ticket to living your best life, starting today.
What to Expect When You're Expecting
by Heidi Murkoff

Language

English

Pages

656

Publication Date

May 31, 2016

Product Description
Customer Reviews
<DIV><B>A completely revised and updated edition of America’s pregnancy bible, the longest-running <I>New York Times</I> bestseller ever.</B><BR /><BR /> With 18.5 million copies in print, <I>What to Expect When You’re Expecting</I> is read by 93% of women who read a pregnancy book and was named one of the “Most Influential Books of the Last 25 Years” by <I>USA Today.</I><BR /><BR /> This cover-to-cover (including the cover!) new edition is filled with must-have information, advice, insight, and tips for a new generation of moms and dads. With <I>What to Expect</I>’s trademark warmth, empathy, and humor, it answers every conceivable question expecting parents could have, including dozens of new ones based on the ever-changing pregnancy and birthing practices and choices they face. Advice for dads is fully integrated throughout the book. All medical coverage is completely updated, including the latest on Zika virus, prenatal screening, and the safety of medications during pregnancy, as well as a brand-new section on postpartum birth control. Current lifestyle trends are incorporated, too: juice bars, raw diets, e-cigarettes, push presents, baby bump posting, the lowdown on omega-3 fatty acids, grass-fed and organic, health food fads, and GMOs. Plus expanded coverage of IVF pregnancy, multiple pregnancies, breastfeeding while pregnant, water and home births, and cesarean trends (including VBACs and “gentle cesareans”).<BR /><BR />  </DIV>
Peace of Cake: The Secret to An Anti-Inflammatory Diet
by Jenny Carr

Language

English

Pages

226

Publication Date

October 02, 2017

Product Description
Customer Reviews
<b>Eat the Foods You Love and Still Follow an Anti-Inflammatory Diet</b><br /><br />Does eating healthy leave you feeling deprived and overwhelmed? <i>Peace of Cake: The Secret to an Anti-Inflammatory Diet</i> offers an easy, long-term solution that doesn’t deprive your taste buds. Anti-inflammatory health coach Jenny Carr has designed a streamlined approach to eating an anti-inflammatory diet by focusing on one, simple food group. The rest of the top inflammatory foods will fall to the wayside, and your healthy lifestyle will simply fall into place! In <i>Peace of Cake</i>, you will find food swap recipes for cakes, cookies, breads, pizza, and more. <br /><br />In these pages, you’ll learn how to:<ul><br /><br /><li>Swap out the top inflammatory ingredients and still eat what you love</li><br /><li>Detox from the foods that have been causing chronic inflammation</li><br /><li>Experience health-based fat loss (no calorie counting or points system here)</li><br /><li>Stop cravings in their tracks</li><br /><li>Melt away inflammation</li><br /><li>Learn how to follow an anti-inflammatory diet while on the road or in the air</li><br /><li>PLUS master over 40 anti-inflammatory food swap recipes free of processed sugar, wheat, cow dairy, inflammatory oils, alcohol, and GMOs</li></ul><br /><br />In this <i>Eat This Not That</i>-style book, you can say goodbye to chronic health issues, including joint pain, loss of energy, poor sleep, inability to lose weight, digestive disorders, auto-immune conditions, diabetes, brain fog, allergies, skin conditions, and more. <br /><br />“Jenny provides the tips, tactics, and game-changing approaches to anti-inflammatory eating that won't leave you feeling deprived. She makes breaking free from a bad diet super easy.” - Vani Hari, Creator of FoodBabe.com and <i>New York Times</i> Bestselling Author of <i>The Food Babe Way</i><br /><br />
The Body Keeps the Score: Brain, Mind, and Body in the Healing of...
by Bessel van der Kolk MD

Language

English

Pages

465

Publication Date

September 25, 2014

Product Description
Customer Reviews
<b>“Essential reading for anyone interested in understanding and treating traumatic stress and the scope of its impact on society.” —Alexander McFarlane, Director of the Centre for Traumatic Stress Studies<br /><br />A pioneering researcher transforms our understanding of trauma and offers a bold new paradigm for healing in this <b><b><b><i>New York Times</i> Science bestseller</b></b></b></b><br /> <br />Trauma is a fact of life. Veterans and their families deal with the painful aftermath of combat; one in five Americans has been molested; one in four grew up with alcoholics; one in three couples have engaged in physical violence. Dr. Bessel van der Kolk, one of the world’s foremost experts on trauma, has spent over three decades working with survivors. In <i>The Body Keeps the Score</i>, he uses recent scientific advances to show how trauma literally reshapes both body and brain, compromising sufferers’ capacities for pleasure, engagement, self-control, and trust. He explores innovative treatments—from neurofeedback and meditation to sports, drama, and yoga—that offer new paths to recovery by activating the brain’s natural neuroplasticity. Based on Dr. van der Kolk’s own research and that of other leading specialists, <i>The Body Keeps the Score </i>exposes the tremendous power of our relationships both to hurt and to heal—and offers new hope for reclaiming lives.

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Gregory RzeczkoIntroduce Yourself
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