How Much Is Enough? Balancing Today's Needs with Tomorrow's Retirement Goals

The numerical and emotional aspects of planning for retirement This hands-on resource demystifies financial planning by giving the Enough number: an exact figure specific to personal goals, which can be a target number to aim for in retirement. It shows what changes will help to achieve the number, and offers an understanding of hidden motivations when it comes to spending money. It also provides an overview of the multitudes of investments available and provides conservative guidelines that will help make money, save taxes, and sleep at night. Offers a clear understanding of the different attitudes toward money and includes strategies to achieve goals Includes the tools needed to save for later and enjoy rewards today Contains a method for tracking money to help get your finances where you want them to be Covers the details of what it takes to work effectively with a financial advisor Written by Diane McCurdy, a noted financial planner, speaker, author, and founder of McCurdy Financial Planning This hands-on guide walks you through a proven program that is designed to keep you on the right track to financial success.

How and why the ability to connect with strangers is vital to business success Good communication with colleagues and clients is an important aspect of doing business successfully. But if you're only talking to your associates, you're missing out on half the story and leaving money on the table. Start with «Hello» reveals how the most successful businesspeople and leaders share an overlooked and underappreciated talent—the ability to engage and communicate with strangers in productive, creative ways. Put simply, people like to do business with people they know, like, and trust. So get to know more people! Even if you don't think of yourself as the most outgoing person, you can learn to be more open and engaging to strangers. The book explains simple, key aspects of communication that make it easy to connect with new people, including behavioral styles, body language, and eye contact. Add together simple tips for starting conversations and following-up on them, and you'll be well on your way to making the business connections that count. Features straightforward guidance for anyone who needs help building new connections with new people Written by a high-profile expert and thought leader in the art of relationship building Includes real stories that reveal how often chance meetings and conversations develop into profitable business relationships In a small, hyper-connected world, today's stranger might be tomorrow's client. If you want to boost your business prospects in simple, practical ways, Start with «Hello» is the resource for you.

The world’s most forward-looking CEOs recognize the real challenge facing business today: a fundamental shift in the nature of commerce. While sustainability programs, government action, and nonprofits are all parts of the solution, CEOs and other leaders must focus on social, environmental, and economic benefit—not only because it will make the world a better place, but because it will ensure lasting profitability and success in the business climate of tomorrow. The Breakthrough Challenge is both an inspiring call-to-action and a guide for this transformation, based on the work of The B Team, a major initiative uniting leaders in sustainability. As a founding advisor and member of The B Team, John Elkington and Jochen Zeitz map out an agenda for change. The most important goal for businesses must be redefining the bottom line to account for true long-term costs throughout the supply chain. To achieve this, leaders must rethink everything: what counts on balance sheets, how to incentivize performance, who does what in the C-suite, and even what inspires us. The Breakthrough Challenge draws on over 100 exclusive interviews to show this shift in action, sharing the pioneering work of leaders such as Paul Polman, CEO of Unilever; Arianna Huffington, founder and CEO of The Huffington Post; Peter Brabeck-Letmathe, chairman of the Nestl? Group; and Linda Fisher, pioneering Chief Sustainability Officer at DuPont, among many others. Change-as-usual strategies are not enough to move business from breakdowns to breakthroughs. The Breakthrough Challenge shows leaders how to achieve a true transformation and refocus the definition of profitability on the lasting wellbeing of people and planet—for the lasting success of their business.

A detailed guide for avoiding the pitfalls of retirement funding In Stop the Retirement Rip-Off, author David Loeper provides the necessary tools for investors to take action and make the most of their retirement plans. It offers a road map for employees to understand the fees and costs associated with their plans; document the excesses in a presentation to management; then organize themselves to protest and, if necessary, bring the documentation to the Labor Department in a complaint. Written in a straightforward and accessible style, this book is filled with sensible strategies for making the most of retirement funds and putting future retirees back on the right financial track. Filled with strategies that can help employees stand up and secure their financial future Addresses how to make the most of your money, and your life, after fixing your retirement plan Outlines a practical approach to understanding your organization's retirement plan and overcoming its potential inefficiencies This important book contains the much-needed information that employees need to plan for retirement and ensure a secure financial future.

Innovation isn't something you do after you get your work done. It's how you do your work. Organizations all over the world are shedding jobs in record numbers. Yet today, they are desperately in need of people with the abilities and skills to think ahead of the curve, delight customers, motivate colleagues, slash costs, and achieve unconventional results. In this practical road map to becoming irreplaceable, global innovation guru and bestselling author Robert B. Tucker reveals why honing your I-Skills (Innovation Skills) may be the smartest career move you'll make. Based on interviews with forty-three innovation-adept managers and individual contributors, Innovation Is Everybody's Business guides you in: Mastering the seven essential I-Skills you need to become indispensable Unleashing the “mindset, skillset, and toolset of the innovator” that enable you to anticipate and rise to the challenges your organization faces in a hypercompetitive era Developing your Personal Innovation Strategy to address the critical components of becoming irreplaceable Assaulting your assumptions at the personal, organizational, and industry levels Building tools for work-life balance and creating your own job satisfaction If you're ready to stop talking about innovation and start adding value today – in your job, department or organization – you're ready to read and benefit from the powerful message of Innovation is Everybody's Business.

You know you can do more with your career. And the future is going to demand more of you. The problem is you are so busy keeping up with the day-to-day that you can't prepare for tomorrow. Stretch: How to Future Proof Yourself for Tomorrow's Workplace gives you the confidence and knowledge you need to achieve your goals in an ever-changing world. Karie Willyerd and Barbara Mistick—established experts and the collective winners of dozens of awards in the field of personal development and learning—offer evidence-based guidance on obtaining the skills you will need to thrive in tomorrow's workplace. Built on solid, global research and dozens of personal interviews with people who have achieved new and inspiring goals, Stretch offers advice, valuable insights, anecdotes, and recommendations to make achieving your goals practical and within reach. If you are like other professionals, your biggest worry is becoming obsolete at work. Shifting technologies, fierce competition among corporations, and recruitment occurring on a global level would give anyone concern. To remain relevant in spite of change, you need to know how to: Learn in any situation Open your thinking to a world beyond where you are now Connect to the people who can help you make your future happen Seek experiences that will prepare you for tomorrow Stay motivated through the ups and downs of a career so you can bounce forward Stretch: How to Future Proof Yourself for Tomorrow's Workplace offers five practices to help you start, enhance, and lengthen your career by anticipating the needs of tomorrow's work environment. Don't become obsolete. Instead, stretch to achieve your potential.

Retirement planning isn't something that happens at a specific point in time or at a specific age – we are all affecting our retirement plans every day with every decision we do or don't make. Canadians are living longer, and the average retiree in the future may have as much as 30 years of retirement to plan for, and there are many simple things that will impact our eventual retirement life. 52 Ways to Wreck Your Retirement identifies 52 things we do that could wreck our retirement, explains why it puts your retirement at risk, and provides the strategy to correct the mistake, or better still, avoid it entirely. The book is organized under several key areas of the planning process, including: Starting to Plan for Retirement Mistakes around Investing Mistakes around Debt Saving for Retirement Pensions Living in Retirement Spending in Retirement New Realities about Retirement 52 Ways to Wreck Your Retirement is not a feel-good book about how wonderful retirement will be or an alarming fear-mongering book about dying broke, nor is it a get-rich-late-retirement solution. Quite simply, it is an easily-accessible and practical guide written for Canadians of all ages that gives you the tools you need to better manage the financial and personal aspects of your retirement.

If you're in a diverse team, you know employee differences can cause miscommunication, lower trust, and hurt productivity. . . It doesn't have to be this way! The people you work with may be from a different generation, different culture, different race, different gender, or just a different philosophy toward work and life in general, but you need to work together toward a common goal. How to Work With and Lead People Not Like You explains how to dial down the differences, smooth out the friction, and play upon each other's strengths to become more effective, more productive, and less stressed. The keys are to find the common ground and identify hidden conflicts that are hurting productivity. Many people shudder at the prospect of working with diverse groups of people, but they can't voice their fear or anxiety. At work, it's not OK or politically correct to say, 'I'm uncomfortable with this person.' In fact, if you do say something along those lines, your job may be at risk. Your company may terminate you for not being on the 'diversity bandwagon.' So you keep quiet and you keep your thoughts to yourself. But deep down, you are uncomfortable. If you feel like this, it doesn't mean you're racist, sexist, ageist, homophobic, or any other negative label. It means you're struggling. You're struggling to understand people, cultures, or values that are unfamiliar to you. You're struggling to do your job with teammates and coworkers who may have very different viewpoints or different approaches to communication than you have. You're struggling to overcome differences and pull together to achieve high performance at work. Whether you're leading a diverse team, working in a challenging cross-cultural environment, or simply working with people who are 'not like you,' you need to be able to get along with everyone as a team, to get the work done. This book explains the skills you need to communicate, motivate, and inspire people to collaborate—even if they have very different values, lifestyles, or priorities. Learn key steps that bring cohesion to diversity How to have a constructive conversation about working alongside people who are different The four magic words that make this easier and smooth over friction What not to say—and why Learn to set aside differences and get things done Learn how to handle a racist, sexist, homophobic or offensive remark in a professional way Retain your sanity when colleagues drive you crazy The changing demographics of today's workforce bring conflicting viewpoints, perspectives, approaches, skills, habits, and personalities together in one place; whether that leads to synergy or catastrophe is up to you. How to Work With and Lead People Not Like You helps you turn a hurdle into an advantage so you or your team can do more, achieve more, and enjoy the ride.

There are nine key reasons people fail at retirement—and they’re not what you think. Are you working to avoid these major retirement fails? Every day, people just like you, people who have worked hard and saved carefully for retirement, make decisions that will eventually crack their nest egg. Just because you added to your 401(k) or IRA plan every year, invested wisely, and amassed significant savings, you are not necessarily home free. Ready or not, your decisions all along the retirement path can positively or negatively affect your financial future. In Retirement Fail, top financial advisor Greg Sullivan shares the insights he has gained over his thirty-five-year career in wealth management to help you identify potential pitfalls and learn how to safeguard your hard-earned retirement assets. Because, contrary to what most people think, it is not poor portfolio performance that usually busts your retirement accounts. Rather, it’s the emotional decisions you make that can cause major problems. Whether it’s buying a vacation home that is beyond your reach, subsidizing your adult kids to a degree that is ill advised, or passing on the umbrella insurance your advisor recommended, the choices you make have an enormous effect on whether you’ll be able to enjoy the comfortable retirement you’ve dreamed about. Retirement Fail: Lays out the nine common hazards that trip up otherwise well-prepared retirees, encouraging you to think through your decisions and set a course aligned with your values and your ultimate goals Goes beyond traditional financial advice, using personal stories to illustrate how others have become mired in—or solved—these financial dilemmas Creates a valuable framework you can use to chart your path or begin conversations with your advisor, so that you can act to protect your financial independence The numerical side of financial planning is one thing—the far more difficult task is looking at the way the decisions we make impact our own future and those around us. Whether you are working with a financial advisor or are going it alone, Retirement Fail shows you the points you need to pay attention to and helps you figure out what your priorities are—and what tradeoffs you may have to make in order to achieve them.

Be present, connect more effectively, all while being as productive as possible 5 Gears: How to Be Present and Productive When There Is Never Enough Time teaches you to shift into the right gear at the right time so that you can grow in your relational intelligence and increase your influence. This revolutionary text introduces you to the five different gears, or mindsets, that carry you through various facets of your day. These include: First gear—when you fully rest and recharge Second gear—when you connect with family or friends without the involvement of work Third gear—when you are socializing Fourth gear—when you are working and multi-tasking Fifth gear—when you are fully focused and 'in the zone,' working without interruption Using these gears consistently allows you to bring a new level of relational intelligence to your life that offers a competitive advantage in our task-driven world. All too often people go through life without truly connecting—and can, as a result, miss out on experiences and relationships that have the power to bring them great joy. By understanding how the five gears presented in this engaging book work, you can improve your ability to connect with the world around you. Explore why some people stay disconnected from the people and events around them, and why others always seem to have a deep connection to their friends, family, and surroundings Learn how to set triggers and markers that help you shift into the right gears at the right time, which will increase your relational dynamics and make you more productive Create positive change in the dynamics of your relationships Improve your respect and influence—and learn a sign language that, when used, can change your perspective and your world. 5 Gears: How to Be Present and Productive When There Is Never Enough Time is the perfect resource for anyone who wants to live and lead connected.