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How Much
Guess How Much I Love You
Guess How Much I Love You
How much will the youngest readers love this board book edition? Now with a refreshed cover in a format perfect for little hands."Guess how much I love you," says Little Nutbrown Hare. Little Nutbrown Hare shows his daddy how much he loves him: as wide as he can reach and as far as he can hop. But Big Nutbrown Hare, who can reach farther and hop higher, loves him back just as much. Well then, Little Nutbrown Hare loves him right up to the moon, but that's just halfway to Big Nutbrown Hare's love for him.

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How Much Is a Million? (Reading Rainbow Books)
How Much Is a Million? (Reading Rainbow Books)
“A jubilant, original picture book.” —Booklist (starred review)Ever wonder just what a million of something means? How about a billion? Or a trillion? Marvelosissimo the mathematical magician can teach you!How Much Is a Million? knocks complex numbers down to size in a fun, humorous way, helping children conceptualize a difficult mathematical concept. It's a math class you'll never forget.This classic picture book is an ALA Notable Book, a Reading Rainbow Feature Selection, and a Boston Globe/Horn Book Honor Book for Illustration.The repackage of this fun look at math concepts includes a letter from the author that features several ways for children to find a million everyday things.

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How Much Can I Spend in Retirement?: A Guide to Investment-Based Retirement Income Strategies
How Much Can I Spend in Retirement?: A Guide to Investment-Based Retirement Income Strategies
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. 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.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.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.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. Retirees need to weigh the consequences between spending too little and spending too much—that is, being too frugal or running out of assets.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.

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How to Get Your Kid to Eat: But Not Too Much
How to Get Your Kid to Eat: But Not Too Much
Answering a multitude of questions—such as What should a parent do with a child who wants to snack continuously? How should parents deal with a young teen who has declared herself a vegetarian and refuses to eat any type of meat? Or What can parents do with a child who claims he doesn't like what's been prepared, only to turn around and eat it at his friend's house?—this guide explores the relationship between parents, children, and food in a warm, friendly, and supportive way.

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PopSockets: Collapsible Grip & Stand for Phones and Tablets - Black
PopSockets: Collapsible Grip & Stand for Phones and Tablets - Black
PopSockets: Expanding Stand and Grip for Smartphones and Tablets - Black

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