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What You Should Know About Your Retirement Plan (2006) - PDF
What You Should Know About Your Retirement Plan (2006) - PDF
نویسندگان: Department of Labor Contributors خلاصه: Your employer’s retirement savings plan is an essential part of your future financial security.It is important to understand how your plan works and what benefits you will receive. Just asyou would keep track of money that you put in a bank or other financial institution, it is in yourbest interest to keep track of your retirement benefits.Those responsible for the management and oversight of your retirement plan must followcertain rules for operating the plan, handling the plan’s money and overseeing the firms thatmanage the money. You should also understand and monitor your retirement plan and yourbenefits. You will find Action Items in each chapter to assist you in doing this.This booklet helps you understand your plan, explains what information you should reviewperiodically and where to go for help with questions. It includes information on:Different types of retirement plans;What information you can get about your plan;When and how you can receive retirement benefits;What to do if you have a question or find a mistake;The responsibilities of those who manage the plan and its investments;Your responsibilities to understand and monitor your plan; andSpecific circumstances such as how a divorce or change of employer ownershipmay affect your retirement benefit.Any terms you see that appear in blue in the text are explained in the Glossary.RETIREMENT PLANS COVERED IN THIS BOOKLETThis booklet covers private retirement plans that are governed by Federal laws and guidelinesin the Employee Retirement Income Security Act of 1974 (ERISA) and the Internal RevenueCode. ERISA is a Federal statute that sets standards for most employer and union sponsoredretirement plans in private industry and imposes responsibilities on those running the plan.Participants in these plans have certain rights as well as responsibilities.The rules discussed in this booklet do not apply to all retirement plans. For example, theinformation does not apply to:State and local government plans, including plans covering public school teachersand school administrators;Most church plans; andPlans for Federal government employees.Also, if you are in a collectively-bargained plan, the rules that apply under ERISA may bedifferent in some cases.The information contained in the following pages answers the most common questionsabout retirement plans. Keep in mind, however, that this booklet is a simplified summary ofparticipant rights and responsibilities, not a legal interpretation of ERISA.
Every Woman's Guide to Diabetes: What You Need to Know to Lower Your Risk and Beat the Odds - Original PDF
Every Woman's Guide to Diabetes: What You Need to Know to Lower Your Risk and Beat the Odds - Original PDF
نویسندگان: Stephanie A. Eisenstat M.D., Ellen Barlow خلاصه: Women have long needed a book devoted to their unique issues with diabetes. This up-to-date and practical guide advocates simple lifestyle changes that can help women reduce their risk of getting diabetes or, if already diagnosed, prevent the disease’s most serious complications. Every Woman’s Guide to Diabetes translates the latest findings from diabetes research into proven strategies busy women can use to stay healthy and gain control over an often overwhelming disease. The authors discuss the nature of diabetes, helping readers through the complex medical decisions involved in diabetes treatment. They highlight strategies to decrease the emotional stress and social isolation that often accompany diagnosis, and offer everyday techniques for managing blood sugar. Key features include: unique aspects of diabetes for women throughout the life cycle timetable of recommended tests and check-ups guide to medications with common dosages charts to help organize diabetes-care tasks and supplies time-management tips for better disease regulation guide to contraceptives available to women with diabetes review of issues critical to women before, during, and following pregnancy advice for overcoming barriers to weight loss and exercise plan for intelligent diet trade-offs while still enjoying meals practical tips for planning exercise strategies to avoid diabetes “burn-out” Written by two physicians, one of whom is a woman living with diabetes, and an experienced medical writer, Every Woman’s Guide to Diabetes recognizes the power that women have in their households to effect lifestyle changes that will benefit themselves and loved ones, including their mothers, daughters, sisters, and partners. This power can reduce the toll of the diabetes epidemic. (20061030)
Some Day You'll Thank Me for This: The Official Southern Ladies' Guide to Being a ''Perfect'' Mother - PDF
Some Day You'll Thank Me for This: The Official Southern Ladies' Guide to Being a ''Perfect'' Mother - PDF
نویسندگان: Gayden Metcalfe, Charlotte Hays خلاصه: Tand we do—every day. Just for starters, we wouldn’thave had the material for our books without Ann Gayden Calland Julia Morgan Hall Hays, our wonderful Southern mothers.We miss them every day, and, whenever we think we might beturning into them, we thank our lucky stars. Both were greatDelta conversationalists, and both gave the lie to William ButlerYeats’ contention that souls are had only by those who are “notentirely beautiful.” They were belles of every ball and quietlycourageous—and they knew all the gossip. (P.S. We never sit onstrange commode seats or say s-t-i-n-k.)We can’t thank our agent Gail Ross enough—without Gailwhat we have come to jokingly refer to as our “pastel trilogy”(our three “Southern lady books” have pastel covers) would notvAcknowledgmentsexist. Gail shaped and sold the idea and has supported usthroughout the process.We have also been fortunate to work with a great team atHyperion. We especially thank Leslie Wells for her deft touchwith prose and because, a Virginian transplanted to New York,she still speaks Southernese—what more could we ask? Well,one more thing you get in Leslie is an editor who is consider-ate of authors and gets back to you so quickly you think she’sable by some mystical means to read your copy almost beforeyou’ve hit the “send” button. Anybody who writes for a livingknows how much this means.We are indebted to a host of friends and relatives who sharedstories about their mothers and allowed us to use their treasuredrecipes; we must also thank Gayden’s witty nephew Hugh Dick-son Gayden Miller for essential help with the sidebars.We originally considered making a list of great Southernmothers we have known, mothers of our friends, mostly, but werealized this was too fraught with peril—we inevitably wouldleave out somebody whose charm and kindness has nourishedus. So let us just say a general thanks to Southern mothers wehave know
Words That Work, Revised, Updated Edition: It's Not What You Say, It's What People Hear - PDF
Words That Work, Revised, Updated Edition: It's Not What You Say, It's What People Hear - PDF
نویسندگان: Frank Luntz خلاصه: This is the part where most authors describe their efforts as a “labor oflove” and then list all the special people who “made this book possible.”I can’t. The truth is, this was the single most difficult task I haveundertaken—and it ensured that I did not get a decent night’s sleep forthe past year.The person most responsible for my lack of fitful rest is my agent,Lorin Rees, from whom I mistakenly took a call on a rare Sunday whenI actually wasn’t working eight hours. He convinced me to use that af-ternoon to write up a book proposal that somehow he managed to sell atexactly the minimum amount I was willing to accept. He has never re-ceived a pleasant e-mail from me during this entire process. At least hemade some money out of it.Next in line is Jonathan Karl, who has spent the last half decade end-lessly nagging me into writing this text. He doesn’t know this but on sev-eral occasions during the more stressful periods I actually thought abouthaving Dr. Kevorkian pay him a visit. I have to be careful not to say any-thing bad about him: He’s one of the best reporters in Washington, D.C.,and he’s liable to go out and dig up dirt on me.
101 Ways You Can Help: How to Offer Comfort and Support to Those Who Are Grieving - PDF
101 Ways You Can Help: How to Offer Comfort and Support to Those Who Are Grieving - PDF
نویسندگان: Joel Saltzman خلاصه: Joel Saltzman teaches readers how to create "surprising, yet inevitable" solutions, no matter the challenge or task at hand. Easily. Consistently. And economically.Shake That Brain! is a collection of creative and inspiring tips and tools for finding solutions in a variety of areas-from sales, marketing, and product creation to ethics, innovation, and the bottom line. Backed by powerful and compelling examples from a wide variety of real-life applications, Joel Saltzman delivers energy, edge-and lots of fun-as he guides readers through a series of proven formulas for creating outstanding solutions, from harnessing the power of opposite thinking to turning your worst ideas into your best ideas ever. Filled with exercises, easy-to-apply formulas, entertaining pop-quizzes, and eye-opening teaching examples from the world of business, technology, advertising, and more, here's a solution-finding guidebook that can be used for succeeding on the job or at home.Joel Saltzman is a professional speaker, consultant, and bestselling author. He has conducted Shake That Brain! programs for Grey Advertising International, Harley Davidson, the U.S. Department of the Treasury, and Warner Bros. Studios. His work has been called "witty and rewarding" by People Magazine and he's the recipient of a national Audie award for "Best Educational and Training Audio." His website is www.shakethatbrain.com
Kissing: Everything You Ever Wanted to Know About One of Life's Sweetest Pleasures - PDF
Kissing: Everything You Ever Wanted to Know About One of Life's Sweetest Pleasures - PDF
نویسندگان: Andrea Demirjian خلاصه: Who doesn't love a great kiss? Every kiss is a cause for celebration, and this book gets the lip-locking party started. This book is for kissing aficionados everywhere. Kissing is a delightful love letter to the magic of this delicious indulgence. Filled with romance, humor, fun suggestions, and joie de vivre, it's a playful guide to puckering up. Readers will find this sweet, sexy guide full of surprising details, including: - Tips and exercises for a "kissing makeover" - Favorite (and least favorite) ways to pucker up - True stories of first, best, worst, most unusual, and just plain unforgettable kisses - The most famous movie kisses, as well as great kisses from literature, art, and history - Kissing customs around the globe - Fun kissing games and new techniques - A candid kissing survey to fill out and share Lovers everywhere will want to get their hands on this book-and each other!
Love You More - PDF
Love You More - PDF
نویسندگان: Lisa Gardner خلاصه: Who do you love?It‟s a question anyone should be able to answer. A question that defines a life, creates afuture, guides most minutes of one‟s days. Simple, elegant, encompassing.Who do you love?He asked the question, and I felt the answer in the weight of my duty belt, the constrictiveconfines of my armored vest, the tight brim of my trooper‟s hat, pulled low over my brow. Ireached down slowly, my fingers just brushing the top of my Sig Sauer, holstered at my hip.“Who do you love?” he cried again, louder now, more insistent.My fingers bypassed my state-issued weapon, finding the black leather keeper that heldmy duty belt to my waist. The Velcro rasped loudly as I unfastened the first band, then thesecond, third, fourth. I worked the metal buckle, then my twenty pound duty belt, complete withmy sidearm, Taser, and collapsible steel baton released from my waist and dangled in the spacebetween us.“Don‟t do this,” I whispered, one last shot at reason.He merely smiled. “Too little, too late.”“Where‟s Sophie? What did you do?”“Belt. On the table. Now.”“No.”“GUN. On the table. NOW!”In response, I widened my stance, squaring off in the middle of the kitchen, duty belt stillsuspended from my left hand. Four years of my life, patrolling the highways of Massachusetts,swearing to defend and protect. I had training and experience on my side.I could go for my gun. Commit to the act, grab the Sig Sauer, and start shooting.Sig Sauer was holstered at an awkward angle that would cost me precious seconds. Hewas watching, waiting for any sudden movement. Failure would be firmly and terribly punished.Who do you love?He was right. That‟s what it came down to in the end. Who did you love and how muchwould you risk for them?“GUN!” he boomed. “Now, dammit!”I thought of my six-year-old daughter, the scent of her hair, the feel of her skinny armswrapped tight around my neck, the sound of her voice as I tucked her in bed each night. “Loveyou, Mommy,” she always whispered.Love you, too, baby. Love you.His arm moved, first tentative stretch for the suspended duty belt, my holstered weapon.One last chance …I looked my husband in the eye. A single heartbeat of time.Who do you love?I made my decision. I set down my trooper‟s belt on the kitchen table.And he grabbed my Sig Sauer and opened fire.
Catch Me If You Can: The True Story of a Real Fake - PDF
Catch Me If You Can: The True Story of a Real Fake - PDF
نویسندگان: Stan Redding, Frank W. Abagnale خلاصه: Frank W. Abagnale, alias Frank Williams, Robert Conrad, Frank Adams, and Robert Monjo, was one of the most daring con men, forgers, imposters, and escape artists in history. In his brief but notorious criminal career, Abagnale donned a pilot's uniform and copiloted a Pan Am jet, masqueraded as the supervising resident of a hospital, practiced law without a license, passed himself off as a college sociology professor, and cashed over $2.5 million in forged checks, all before he was twenty-one. Known by the police of twenty-six foreign countries and all fifty states as "The Skywayman," Abagnale lived a sumptuous life on the lam-until the law caught up with him. Now recognized as the nation's leading authority on financial foul play, Abagnale is a charming rogue whose hilarious, stranger-than-fiction international escapades, and ingenious escapes-including one from an airplane-make Catch Me If You Can an irresistible tale of deceit.The uproarious, bestselling true story of the world's most sought-after con man currently in development as a DreamWorks feature film."I stole every nickel and blew it on fine threads, luxurious lodgings, fantastic foxes, and other sensual goodies. I partied in every capital in Europe and basked on all the world's most famous beaches."
Things you should know about your mate: 1000 Questions for Couples - PDF
Things you should know about your mate: 1000 Questions for Couples - PDF
نویسندگان: Michael Webb خلاصه: You need to use a certain amount of wisdom with these 1,000 questions.Someone who has just begun dating shouldn’t accelerate the relationship bystarting off with questions on marriage and sex. If you don’t think you and yourpartner are quite ready to commit to one another, it would be best to start off withthe questions on personality, your past experiences, favorites and perhaps petsto start. The best relationships are built on a solid friendship so first address thequestions that will help build that base.Some people will want to answer four or five questions in a sitting. Others mightlike to spend several hours and answer 50 or more. Some people will want to putthe questions in letters and mail them to each other on the same day so youranswers don’t influence each other’s. Those with computers might find email tobe a good way to get to know each other (and even keep the emails for futurereference).Do not avoid certain questions just because you find them uncomfortable or evenembarrassing. Break down that communication barrier and learn to be able totalk about those issues with your partner. If someone is unwilling to talk aboutcertain issues, it should throw up a flag for potential problems down the road. Ifyou don’t think a question applies to you, ask it anyway. Your partner might havesome interesting thoughts on the matter.There are questions that are not in the book, for good reason. While it isimportant to talk about your sexual likes and dislikes, giving too much detailabout your sexual pasts can be harmful to a relationship. Your mate needs toknow if you have been sexually active but does not need to know dates, times,locations, positions, etc. Be honest in your answers, but you don’t need to paintvivid details of any of your past mistakes. You have to live with those memories;don’t make your mate have to as well.
It Had to Be You - PDF
It Had to Be You - PDF
نویسندگان: Susan Elizabeth Phillips خلاصه: The Windy City isn't quite ready for Phoebe Somerville -- the outrageous, curvaceous New York knockout who has just inherited the Chicago Stars football team. And Phoebe is definitely not prepared for the Stars' head coach Dan Celebow, a sexist jock taskmaster with a one-track mind. Celebow is everything Phoebe abhors. And the sexy new boss is everything Dan despises -- a meddling bimbo who doesn't know a pigskin from a pitcher's mound.So why is he drawn to the shameless sexpot like a heat-seeking missile? And why does the coach's good ol' boy charm leave cosmopolitan Phoebe feeling awkward, tongue-tied....and ready to fight?The sexy, heartwarming, and hilarious "prequel" to Susan Elizabeth Phillip's This Heart of Mine -- her sensational bestsellng blockbuster -- It Had To Be You is an enchanting story of two stubborn people who believe in playing for keeps.

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