save more tomorrow

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Save More Tomorrow

Author : Shlomo Benartzi
ISBN : 9781101580332
Genre : Business & Economics
File Size : 29. 21 MB
Format : PDF
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One of the world’s top experts in behavioral finance offers innovative strategies for improving 401(k) plans. Half of Americans do not have access to a retirement saving plan at their workplace. Of those who do about a third fail to join. And those who do join tend to save too little and often make unwise investment decisions. In short, the 401(k) world is in crisis, and workers need help. Save More Tomorrow provides that help by focusing on the behavioral challenges that led to this crisis inertia, limited self-control, loss aversion, and myopia—and transforms them into behavioral solutions. These solutions, or tools, are based on cutting edge behavioral finance research and they can dramatically improve outcomes by, for example, helping employees: -Save, even if they aren’t ready to do so now, by using future enrollment. -Save more by showing them images of their future selves. -Save smarter by reshuffling the order of funds on the investment menu. Save More Tomorrow is the first comprehensive application of behavioral finance to improve retirement outcomes. It also makes it easy for plan sponsors and their advisers to apply these behavioral tools using its innovative Behavioral Audit process.


Author : Richard H. Thaler
ISBN : 9780300146813
Genre : Business & Economics
File Size : 38. 47 MB
Format : PDF
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Thaler and Sunstein offer a groundbreaking discussion of how to apply the science of choice to nudge people toward decisions that can improve their lives without restricting their freedom of choice.

Money Master The Game

Author : Tony Robbins
ISBN : 9781471148620
Genre : Self-Help
File Size : 85. 78 MB
Format : PDF
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Multimillion-copy bestselling author of Awaken the Giant Withinand Unlimited Power has created a new 7-step blueprint for securing financial freedom. Based on extensive research and one-on-one interviews with more than 50 of the most legendary financial experts in the world - from Carl Icahn, to Warren Buffett, to Jack Bogle and Steve Forbes, Tony Robbins. Robbins has a brilliant way of using metaphor and story to illustrate even the most complex financial concepts - making them simple and actionable.With expert advice on our most important financial decisions, Robbins is an advocate for the reader, dispelling the myths that often rob people of their financial dreams. Tony Robbins walks readers of every income level, through the steps to become financially free by creating a lifetime income plan. This book delivers invaluable information and essential practices for getting your financial house in order. It's the book millions of people have been waiting for.


Author : Richard H Thaler
ISBN : 9780141966151
Genre : Business & Economics
File Size : 48. 52 MB
Format : PDF
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Why are we more likely to forgo the opportunity to sell a £100 bottle of wine rather than actually taking money out our wallet to pay for it, when ultimately the 'opportunity cost' of doing so is the same? Why would the 'endowment effect' mean that we value a free ticket worth hundreds of pounds more than the money we would get from selling it? In this new, ambitious work, Thaler presents his findings in behavioural economics and breaks down the biases and irrational tendancies in our thinking, showing us how to avoid making costly mistakes in life.


Author : Gregory Salsbury
ISBN : 9780137065943
Genre : Business & Economics
File Size : 70. 62 MB
Format : PDF
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Bonus content "What's Your Retirementology I.Q.?" included in this digital edition. Looking ahead to retirement? Depending on your circumstances and your age, you may no longer have any margin for error. And your emotions and irrational behavior could be perpetuating a dangerous cycle of overspending and rising debt that may shatter whatever vision of retirement you still have. Welcome to the world of Retirementology. Retirementology bridges retirement planning with investor psychology and the market Meltdown of 2008 to produce an entirely new way of thinking about how we spend, how we save, how we borrow, and how we invest. Financial mistakes are deeply rooted in human nature, but you may be able to overcome them--if you understand the breakthrough principles of behavioral economics and apply them in your own retirement planning. Dr. Gregory Salsbury identifies some of the classic cognitive biases and behavioral mistakes most of us keep making when it comes to retirement planning. For example: Why will people drive 45 minutes to use a $2.00 coupon? Why won’t people sell a poor performing stock just because they inherited it from grandma? Why do people spend differently with a credit card than they do with cash? Why do people believe that they paid no income taxes because they received a refund? You’ll learn why the financial meltdown has amplified the impact of these all-too-human cognitive mistakes and discover ideas for addressing them. The bottom line for your bottom line is that retirement can no longer be ignored, viewed as a single event, relegated to a “zone,” or romanticized. Instead, you must understand how every spending and financial decision you make from here on can impact the way you will spend your golden years. Retirementology attempts to help you do just that. Retirement planning: right brain versus left brain Why these different areas of the brain impact financial decisions--and what to do about it It’s real money! “De-layering” your finances How to overcome the psychological tricks that separate you from your money Family matters: managing financial support decisions for your extended family Choosing between your family or your retirement Get “long-term smart” How longevity, inflation, volatility, and your own expectations impact your retirement goals

Her Last Tomorrow

Author : Adam Croft
ISBN : 1522792511
Genre :
File Size : 75. 92 MB
Format : PDF, ePub, Mobi
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Could you murder your wife to save your daughter? On the surface, Nick Connor's life is seemingly perfect: a quiet life with his beautiful family and everything he could ever want. But soon his murky past will collide with his idyllic life and threaten the very people he loves the most in the world. When his five-year-old daughter, Ellie, is kidnapped, Nick's life is thrown into a tailspin. In exchange for his daughter's safe return, Nick will have to do the unthinkable: he must murder his wife. With his family's lives hanging in the balance, what will Nick do? Can he and his family survive when the evil that taunts them stems from the sins of his past? Her Last Tomorrow is a gripping, fast-paced thriller which will engross fans of Simon Kernick, Stephen Leather and Mark Edwards. "Adam Croft is one of the best new writers in Britain." - Stephen Leather.Amazon reviews about Adam Croft "Adam's books are getting better and better and are very difficult to put down." "Adam Croft goes from strength to strength." "Adam always comes up with the goods and as always sends you on a roller-coaster ride." "Highly recommend his books. Get them and you'll be completely hooked."

No More Tomorrows

Author : Schapelle Corby
ISBN : 9781845963866
Genre : Biography & Autobiography
File Size : 52. 99 MB
Format : PDF, Mobi
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Tells the story of the author whose two-week holiday to celebrate her sister's birthday ended up a waking nightmare. This book tells how she was arrested at Denpasar airport after marijuana was found in her luggage. It tells how she learnt to survive - in the squalor, discomfort and violence of an Indonesian jail.

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