Start Where You Are: Retirement Planning in a Changing World

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A prophetess speaks

Simplistic and repetitive

Start Where You Are: Retirement Planning in a Changing World
Ruth L. Hayden
Manufacturer: Kirk House Publishers
ProductGroup: Book
Binding: Paperback

General | Business & Investing | Subjects | Books
Retirement Planning | Personal Finance | Business & Investing | Subjects | Books
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ASIN: 1886513651

Book Description

Whether people have planned for their "golden years" or haven't given them much thought, Ruth Hayden, nationally known educator and financial consultant, says that it is never too early or too late to control one's financial present or create a secure future.

The author notes that the perpetual vacation after age sixty-five will not be the retirement model for most people in the 21st century. She provokes the readers to think about what they really want for their lives—guiding them to create a personal life vision to bring balance to the physical, emotional, spiritual, and financial aspects of life. Ruth encourages the readers to take charge of their lives, developing a realistic plan for a successful, fulfilling retirement.

Ruth assists the reader to, "Start Where You Are—at age thirty, forty, fifty, sixty, seventy or beyond to plan for the rest of your life."

Download Description

"What do you think your life will be like-20 or 30 years or even 40 years from now- say when you're sixty-five, seventy-five, or ninety?" As a financial educator, I have been asking that question of my clients for more than two decades. If you, like many of my clients, are worried that retirement without financial worry seems less and less like a realistic possibility, this book will help you. In this book, I will show you how to plan for a financially safe retirement-whether the stock market is up (a bull market) or the stock market is down (a bear market), whether you are thirty-two or seventy-two, whether you are male or female, whether you are single or coupled.

Customer Reviews:

A prophetess speaks.......2004-09-20

This is a wake-up call to all working Americans. Ms. Hayden challenges us to take retirement planning seriously. Her approach is simple but not simplistic. To get where you want to be when you retire you had better plan. If you are approaching your anticipated age of retirement and it does not look like you are going to have the resources, she suggests you re-plan. It is not too late.

Her realistic evalution of how well Americans have planned for their retirmenent is sobering. This is not a financial planning book. She repeatedly suggests that her readers consult a financial planner. What Ms. Hayden does well is to help you evaluated where you are and take measures to get where you want to be.

My mother outlived her money by one month. Fortunately, her children could cover one month or two. Had it been longer? Read Ms. Hayden's book and plan for the contingencies.

Simplistic and repetitive.......2004-06-21

The advice in this book is not bad, but it is very simplistic and there is nothing new here. If you have listened to any program on retirement or read any recent magazine article on the topic, everthing here will be familiar. You can expect to live longer, work longer and should plan in a holistic way for your retirement to provide for financial, spiritual, emotional and physical well-being. Other than advising diversification and spending less than you earn, Ruth offers no specific financial advice. The book is very short and repetitive and typographical errors are irritating. If you make the same mistake as I did and buy this text, you will be helping Ruth's retirement plan much more than your own.

Book Description

James Polk was President of the United States from 1845 to 1849, a time when slavery began to dominate American politics. Polk's presidency coincided with the eruption of the territorial slavery issue, which within a few years would lead to the catastrophe of the Civil War. Polk himself owned substantial cotton plantations-- in Tennessee and later in Mississippi-- and some 50 slaves. Unlike many antebellum planters who portrayed their involvement with slavery as a historical burden bestowed onto them by their ancestors, Polk entered the slave business of his own volition, for reasons principally of financial self-interest. Drawing on previously unexplored records, Slavemaster President recreates the world of Polk's plantation and the personal histories of his slaves, in what is arguably the most careful and vivid account to date of how slavery functioned on a single cotton plantation. Life at the Polk estate was brutal and often short. Fewer than one in two slave children lived to the age of fifteen, a child mortality rate even higher than that on the average plantation. A steady stream of slaves temporarily fled the plantation throughout Polk's tenure as absentee slavemaster. Yet Polk was in some respects an enlightened owner, instituting an unusual incentive plan for his slaves and granting extensive privileges to his most favored slave. Startlingly, Dusinberre shows how Polk sought to hide from public knowledge the fact that, while he was president, he was secretly buying as many slaves as his plantation revenues permitted. Shortly before his sudden death from cholera, the president quietly drafted a new will, in which he expressed the hope that his slaves might be freed--but only after he and his wife were both dead. The very next day, he authorized the purchase, in strictest secrecy, of six more very young slaves. By contrast with Senator John C. Calhoun, President Polk has been seen as a moderate Southern Democratic leader. But Dusinberre suggests that the president's political stance toward slavery-- influenced as it was by his deep personal involvement in the plantation system-- may actually have helped precipitate the Civil War that Polk sought to avoid.

Customer Reviews:

Fabrication By Alien........2007-03-01

This book was not written by a fan or supporter of this Tennessee president, but released by a Yankee group who hides behind "Oxford" so we might think Mississippi or England. Not so, William Dusinberre must be fuddies with the university professors who tore apart Nathan Bedford Forrest in the same way. Overlooked completely he status and the part these Tennesseans played in the history of this nation. It's best to consider character assassination with the conflicting thins these writers emphasize while leaving out the real story, the facts of the matter. James K. Polk had been Governor of Tehhessee and Speaker of the House of Representatives before becoming U. S. president. It was not a secret that he owned slaves to work on his cotton plantation in Mississippi. We didn't have such in Tennessee, but I have an old post card of the 11th President's bust which stands in the State Capitol in Nashville. We visited Polk's ancestral home in downtown Columbia, Tennessee. It was not out in the country, though a famous one is in that county owned by a female physician. She did not have slaves. Forrest's family were fine, upstanding natives of Chapel Hill, not so far east from Columbia. It infuriates me when I innocently find weird subverted stuff like thos on the public library shelves. I wish the reference librarians who ordered these fiction pretending to be non-fiction before putting them out for just anybody to read. Polk was duly elected and in the White House from 1845 to 1849, before the Civil War. He was not responsible for that war.

This person from Cape Town used the false writings of professor Wayne Cutler when he came to this Republican town, and thought that what he was reading was truth. Polk was a Southern Democrat. What would he write about Huey B. Long, George Wallace, and other governors who stood tall for what the South stands for. The politics of slavery did not have any substance whatsoever in the war which divided this country. It was states' rights -- the Southern states, which Northerners would not understand. I learned more than I had planned that there is a conspiracy going on to deride Southern leaders and presidents. They were statesmen and war heroes and lived to be a part of the history of America. Modern history-writing is all wrong, when the author makes up "facts" as he is inclined, and not factually.

An interesting and biased view of James polk........2003-11-16

I'm not sure if I would have been better off reading a general bio on Polk first, becuase this book is very biased, as the author admits. The argument is that Polk's policy was stronly influenced by him being a slaveowner. That Polk had conflicting interests because he ran several plantations in Tn and Miss and he was using the money from the plantations to secure himself a post-presidential retirement.

The book is organized in an interesting way. It begins by describing Polk's plantations and what it was like for the slaves , plus gives details regarding the overseers,a nd Polk's policies regarding purchasing and selling of slaves. Polk endeavored to hide what he was doing from the general public and his reasons for selling and guying were definitley not always patriarchal, but monetary.

Polk died a few months after leaving office, and none or few of his papers were destroyed, hence we have a record of what ocurred on the plantations.

the second half of the book covers the main aspects of Polk's presidential career --annexation of Tx and the MX War. The author discusses the events through the lens of slavery and tried to argue Polk's descisions were heavily influenced by Polk being a slaveowner. the author presents many what-ifs, discussing a vairety of other scenarios that could have happened during Polk's presidency had he made other choices. I found these diversions to be a strength of the book instead of an irritant. The book gave me a lot to think about,a nd it was particulary interesting to learn the details of what Polk plantation life was like.

Not a page turner, but certainly a worthwhile read........2003-11-08

For American history buffs in general, and Civil War enthusiasts in particular, William Dusinberre has produced a volume worthy of your attention. Dusinberre argues with great vigor that James Polk helped to plant the seeds of civil war while he was President during the late 1840's. While pursuing the Presidency, Polk presented himself as a moderate on the issue of slavery. All the while, he was quietly engaged in the buying and selling of slaves for his Mississippi plantation. Dusinberre argues that throughout his four years in office, Polk advocated policies designed to perpetuate slavery for the forseable future. He cites in particular the annexation of Texas as a major issue. The book also chronicles the appalling working and living conditions many slaves were forced to live under and the total disregard that most slavemasters (Polk included) for the slaves family lives. In most instances, if it was a profitable transaction, slaves were sold off to the highest bidder and families were torn apart. Polk always portrayed himself as the benevolent master but the facts seem to dispute his claims. The book can be slow moving and at times I wondered if I would have the endurance to finish it. But I am glad I did. This book gives us an entirely new perspective on the events of that period and as such is a welcome addition.

Polk as villain.......2003-06-25

James Polk is usually the least familiar president to appear on historiansý top 10 lists. But for William Dusinberre, Polk firmly holds a spot near the very bottom. For Dusinberre, Polk and his ideological brethren set the country on a course that unnecessarily led to the Civil War, the violent fall of the South, and the self-destruction of his own class.

Polk annexed Texas and was the instigator of the Mexican American War, which led to acquisition of most of the southwest for the United States. Polk also took the Oregon territory, which encompassed much of what is now the northwestern United States. Dusinberre suggests that there was a certain inevitability to some of this, but the way it all played out, and the final border results were far from certain. Polkýs overly aggressive expansionism was, to Dusinberre the worst possible way for the country to stretch from sea to shinning sea because it infused militarism and obstinacy into the debate about the future of slavery.

Dusinberre convincingly argues that Polkýs, and the Southern ruling classesý mores about slavery as a tool of social order, southern honor, and states rights were all subservient to the economic benefits reaped by slave owners such as Polk. This economic incentive was so great, that it blinded Polk to what Dusinberre believes to be the inevitable fall of slavery. A more forward-looking advocate of the Southern ruling class could have promoted a plan for a soft landing and perhaps sought alliances with moderates, rather than painting everyone who had any problems with slavery as extreme ýabolitionists.ý

Polkýs military adventurism, intolerance for even discussion of issues related to slavery, and insistence that slave ownersý so-called rights should be expanded (or the South would lose its dominance in the Senate) was coupled by his implicit threat of secession in the event of almost any sort of compromise. Dusinberre argues that before Polk and his war, different gradations of opinion existed in the south, but afterward existed only unithought. The Civil War followed.

SLAVEMASTER PRESIDENT is not really a biography as much as it is a study of how slave ownership may have affected the ideology of pre-Civil War southern Democrats such as and including Polk, and how that ideology in turn contributed to the conditions that led to the Civil War. It is a compelling argument. Dusinberre also achieves a heart-rending description of slave life on the Polk plantation. The book achieves what it set out to do.

Still, I would have liked the book to be a bit more biographical. Dusinberre expains up front that his book ýdoes not discuss Polkýs role as a congressman in President Andrew Jacksonýs war against the Bank of the United States. Nor does it portray President Polkýs part in securing the Tariff of 1846, nor his diplomacy with Britain, which led to the establishment of the northwestern boundary dividing the United States from Canada. These stories,ý explains Dusinberre, ýhave been told elsewhere.ý Maybe they have, but there is remarkably little popular literature on this influential, if wrongheaded president. I am satisfied with Dusinberreýs book such that it is, but it also left me wanting to read more about Polk.

Polk as a short-sighted failure.......2003-06-13

James Polk is usually the least familiar president to appear on historians' top 10 lists. But for William Dusinberre, Polk firmly holds a spot near the very bottom. For Dusinberre, Polk and his ideological brethren set the country on a course that unnecessarily led to the Civil War, the violent fall of the South, and the self-destruction of his own class.

Polk annexed Texas and was the instigator of the Mexican American War, which led to acquisition of most of the southwest for the United States. Polk also took the Oregon territory, which encompassed much of what is now the northwestern United States. Dusinberre suggests that there was a certain inevitability to some of this, but the way it all played out, and the final border results were far from certain. Polk's overly aggressive expansionism was, to Dusinberre the worst possible way for the country to stretch from sea to shinning sea because it infused militarism and obstinacy into the debate about the future of slavery.

Dusinberre convincingly argues that Polk's, and the Southern ruling classes' mores about slavery as a tool of social order, southern honor, and states rights were all subservient to the economic benefits reaped by slave owners such as Polk. This economic incentive was so great, that it blinded Polk to what Dusinberre believes to be the inevitable fall of slavery. A more forward-looking advocate of the Southern ruling class could have promoted a plan for a soft landing and perhaps sought alliances with moderates, rather than painting everyone who had any problems with slavery as extreme "abolitionists."

Polk's military adventurism, intolerance for even discussion of issues related to slavery, and insistence that slave owners' so-called rights should be expanded (or the South would lose its dominance in the Senate) was coupled by his implicit threat of secession in the event of almost any sort of compromise. Dusinberre argues that before Polk and his war, different gradations of opinion existed in the south, but afterward existed only unithought. The Civil War followed.

Still, I would have liked the book to be a bit more biographical. Dusinberre expains up front that his book "does not discuss Polk's role as a congressman in President Andrew Jackson's war against the Bank of the United States. Nor does it portray President Polk's part in securing the Tariff of 1846, nor his diplomacy with Britain, which led to the establishment of the northwestern boundary dividing the United States from Canada. These stories," explains Dusinberre, "have been told elsewhere." Maybe they have, but there is remarkably little popular literature on this influential, if wrongheaded president. I am satisfied with Dusinberre's book such that it is, but it also left me wanting to read more about Polk.

Book Description

This illustrated and fully updated third edition is the most authoritative and international survey of world literature in English available. Covering everything from Old English to contemporary writing from all over the English-speaking world, the new edition has been brought completely up to date with more than 280 new author entries, most of which are for living authors. The general reader will find the volume a fascinating reference to browse through and to discover many new writers and works, while students will find it an invaluable resource for daily use. Previous Edition (1994) 0-521-44086-6

Customer Reviews:

An impressive reference book.......2007-08-10

Since I am the first to review this book, it is important that I let you know just how much information is in here.

Writers - poets, novelists, playwrights, theologians, philosophers, economists, naturalists, scientists, essayists, critics, and historians

Individual plays, poems, novels, and other works

Literary groups or schools - I.E. the Lake Poets, the Beats, the Movement, and the Black Mountain School

Wider literary movements - I.E. neoclassicism, Romanticism, modernism, and post modernism

Critical schools or movements - I.E. the New Criticism, structuralism, post structuralism, deconstruction, and ethical criticism

Literary genres - I.E. comedy, and tragedy, fable, farce and melodrama

Poetic forms and sub-genres of drama and fiction - I.E. acrostic, the elegy, the revenge tragedy, and the Gothic novel

Critical terms - I.E. metaphor, symbol, dialogism, intertextuality, and unreliable narrator

Rhetorical terms - I.E. anaphora, bathos, chiasmus, synecdoche, and zeugma

Theaters and theater companies - I.E. the Globe, the King's Men, the Federal Theater Project, and the Sistren Theater Collective

Literary magazines - I.E. The Quarterly Review and Punch, The New Masses, and Staffrider

So, as you can see, the list is quite extensive, helpful, and interesting.

The Cambridge Dictionary of American Biography

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The Cambridge Dictionary of American Biography
John S. Bowman
Manufacturer: Cambridge University Press
ProductGroup: Book
Binding: Hardcover

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All Titles | Qualifying Textbooks - Fall 2007 | Stores | Books

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ASIN: 0521402581

Book Description

Biography is an endlessly fascinating subject for a wide variety of readers. The Cambridge Dictionary of American Biography is the most up-to-date and comprehensive, single-volume, biographical reference of living and dead Americans available. The book contains 9,000 entries written for general readers in fluid narrative style. Each entry is self-contained and does not assume any historic or geographic knowledge. What sets this book apart is its breadth of coverage--living and dead, famous and forgotten American figures, of diverse careers, from colonial times to the present day--and its attention to women and minority groups. The Dictionary has been originally compiled--not derived from older work--with the help of over one-hundred consultants. It also contains two exceptionally useful indexes: one by occupation and the other by names mentioned in the entries (whether or not they are entries themselves). The Cambridge Dictionary of American Biography is written for anyone interested in owning an eminently readable reference to living contemporaries and their achievements as well as to historically important figures. John Bowman, an accomplished author and editor, has been assisted by an editoral board of distinguished American scholars.

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Simplifying the complicated

Grantseeking: A Step-By-Step Approach
Robert M. Zimmerman
Manufacturer: Zimmerman Lehman
ProductGroup: Book
Binding: Spiral-bound

General | Business & Investing | Subjects | Books
Nonprofit Organizations & Charities | Industries & Professions | Business & Investing | Subjects | Books
ASIN: 0966525906

Book Description

This reference book explains in easy to understand language how to research and write a proposal to a foundation, corporation, government agency or religious donor, with an emphasis on private foundation grantwriting and exploration. It includes details on online and library research on foundation and government funding, a sample foundation research profile, a description of what funders want in a letter of intent with a sample, how to write a successful proposal, how to design a budget for all you need and how to follow up with grantors, and a section on the role of the board of directors in the grantseeking process. Included is an appendix with Zimmerman's Eleven Rules of Fundraising and a list of reference libraries.

Customer Reviews:

Simplifying the complicated.......2000-03-31

This book offers a step-by-step approach to writing grants, written by Robert Zimmerman, one of the principals in a San Francisco-based development consulting firm. The book is geared for all non-profits, with good general information but with no special tips for those in education that seek grants. The second chapter, Who are the Grantors?, defines foundations, corporations, religious donors, and government agencies. The section on Religious Donors highlights a donor group that is frequently overlooked. Zimmerman outlines the methods used to obtain information on the grantor - an important step, since a key to funding is to know what the funder is interested in supporting. He offers information on the key resources: the Foundation Grants Index, the Foundation Directory, the Foundation 1000, annual reports, tax returns, and the foundation libraries, but also features the Foundation Grants Index quarterly and other periodicals, and some tips on obtaining information about corporate giving programs (Taft is really the best resource for this, beyond the corporations themselves). He identifies the elements of a research profile outline, and outlines methods of online research, a relatively new tool for grant writers. Most beginning grant writers make simple mistakes that can be avoided, if only they read the directions and plan their project carefully. Beginners also tend to focus too much on the writing (even worry too much on the writing) and of the entire 48 pages of this book, only 13 are given to the writing of successful proposals. On the one hand, people in search of specific help in writing may consider this a weakness of Zimmerman's guide; on the other hand, his de-emphasis of the writing process focuses attention on the process leading up to the grant should be a good clue to the beginner: the process is key to success in the grants world. The attention paid to detail ahead of time is as important -- possibly more -- as the final product. Finally, if an aspiring grant writer is working in education, for example, running acorporate and foundation relations office or a government grants office at a college or university, this book is very elementary - it will only take the novice a short distance of the total he or she needs to go to learn the profession. However, it is ideal for the small non-profit, looking at writing one or two grants over a period of a couple years.

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Robert Irwin's Pocket Guide for Home Buyers: 101 Questions and Answers for Every Home Buyer
Robert Irwin
Manufacturer: McGraw-Hill Companies
ProductGroup: Book
Binding: Paperback

Buying & Selling Homes | Real Estate | Business & Investing | Subjects | Books
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Tips and Traps When Buying a Home

ASIN: 0070329451

Amazon.com

Buying a home can be one of the more complex, confusing, intimidating, and potentially financially disastrous experiences possible, so every home buyer should arm themselves with the basic knowledge that lets them enter the process knowing what they want and what they're doing. Irwin is a well-known expert in the field of real estate who has published many books on the subject and is in constant demand for his expertise from buyers, sellers, brokers, lenders, and investors. Here he has assembled information on a range of important real estate buying issues in a clear, easy-to-understand book that covers, among other things, where to find a good lender, how much money to put into a down payment, how to improve your credit report, how to choose between a co-op and a condo, what to look for in examining a house, how to judge a new neighborhood, and information on title search and title insurance. It's a truly comprehensive guide for prospective home buyers. --Mark A. Hetts

Book Description

Assembled in this detailed pocket guide is everything you need to know to make home-buying a whole lot easier. Real estate expert and bestselling author Robert Irwin helps put the minds of overwhelmed, jittery homebuyers at ease, taking them through the ins and outs of picking a great agent, examining a house, judging a neighborhood, signing the sales agreement, cutting closing costs, moving in, and more! Picking up where most brokers leave off, this must-have companion helps anyone get a great deal. . .and live "happily ever after." ABOUT THE AUTHOR Robert Irwin (Rancho Palos Verdes, CA) is a successful real estate practitioner and author of the bestselling Tips and Traps When Buying a Home, Tips and Traps When Selling a Home, and How to Find Hidden Real Estate Bargains.

Robert Irwin's Pocket Guide For Home Buyers - 101 Questions And Answers For Every Home Buyer

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Robert Irwin's Pocket Guide For Home Buyers - 101 Questions And Answers For Every Home Buyer
Robert Irwin
Manufacturer: McGraw-Hill Companies
ProductGroup: Book
Binding: Paperback
ASIN: B000OFHHH0

Book Description

Frank Augustyn is a pioneer. The first male graduate of the National Ballet School to become an international dance star, he has performed, both as a principal with the National Ballet of Canada and as a guest artist, in all the dance capitals of the world. Through the late 1970s and the early 1980s, his legendary partnership with Karen Kain was one of the great treasures of Canadian ballet. Their partnership earned them the nickname “The Gold Dust Twins,” referring not only to their stunning artistry, but also to their extraordinary power to draw unprecedented and enthusiastic audiences everywhere they danced.

Frank Augustyn’s years at the National Ballet (1970-1989) were exciting ones for the company as well. These were the years of Rudolf Nureyev’s landmark production of The Sleeping Beauty, and years that saw Frank Augustyn working with some of the great luminaries of dance: Erik Bruhn, Sir Frederick Ashton, Glen Tetley, Rudi van Dantzig, Hans van Manen, Maurice Béjart, and, of course, Nureyev himself – who would have a profound influence on Augustyn.

Opening with his childhood in working-class Hamilton, Ontario, Dancing from the Heart is Augustyn’s account of his active dancing career, and his perspective on Canadian ballet. With humour, insight, and an appreciation of the art form, he talks about fighting the prevailing attitude in Canada that said “real men don’t dance,” and explains the trials and tribulations that the male dancer must sometimes endure at the hands of his ballerinas. He tells lively and revealing stories about the companies, dancers, and choreographers he has known and worked with, and he reflects on marriage, fatherhood, and his post-dance career as a TV producer (Footnotes), as a teacher, and as artistic director of the Ottawa Ballet.

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