Praise for Earnings Magic and the Unbalance Sheet "Gary Giroux brings a breezy, entertaining writing style thatreally helps the reader untangle arcane accounting practices,including stock options, pensions, off-balance sheet items, and therest of his 'dirty thirty.'" —Edward Swanson, Durst Chair and Professor of Accounting,Texas A&M University "Earnings Magic and the Unbalance Sheet provides equityinvestors with clear explanations of today's financial environmenttogether with specific analysis tools to assess the quality ofearnings. Gary Giroux provides a valuable and easy-to-use scoringsystem where investors assign grades to help them in theirinvestment decisions. Earnings Magic is a must-read for anyinvestor in the Dow Jones Industrial Average (Dow 30). Girouxthoroughly analyzes some of the biggest and best knowncompanies." —Andrew McLelland, Assistant Professor of Accounting, AuburnUniversity YOUR KEY TO EVALUATING A COMPANY'S EARNINGS QUALITY Wouldn't you like to know as much as you could about a companybefore you invest in it? Financial information on companies isreadily available, but not necessarily easy to interpret. With shrewd tips and state-of-the-art analytical tools,Earnings Magic and the Unbalance Sheet arms you with the keystrategies and principles to help you evaluate whether a company'sbottom line is headed toward excellence or financial abuse. Thiseye-opening guide expertly walks you through the tangle ofpotentially inflated earnings and misleading accounting disclosuresto determine a company's financial reality.
Pension Magic shows you how to build a big retirement pot by claiming thousands of pounds of extra tax relief on your pension contributions. The guide also provides full details of the new rules that will let you withdraw as much money as you like from your pension. Using lots of real-life examples we show how, under these new rules, it will be possible to save thousands of pounds in tax by timing your pension withdrawals carefully. Other subjects covered include how a couple can increase their retirement income by over 30% by correctly choosing who makes pension contributions, how parents claiming child benefit can receive a tax refund of up to 72 for every 100 they invest in a pension, how to boost your pension pot by over 50,000 with a salary sacrifice pension, why pensions are much more powerful than ISAs, delivering between 42% and 71% more after-tax income, how basic-rate taxpayers can increase their pension pots by 33% and how higher-rate taxpayers can calculate their optimal pension contribution and enjoy the maximum tax relief. It also covers pension strategies for landlords, company directors and other business owners.
This edition brings together specially commissioned reviews of key areas of social policy and considers a range of current issues within the field. The book contains invaluable research, including discussions on modern slavery, childcare and social justice and welfare chauvinism, as well as a chapter centred on the Grenfell Tower fire. Bringing together the insights of a diverse group of experts in social policy, this book examines critical debates in the field in order to offer an informed review of the best in social policy scholarship over the past year. Published in association with the SPA, the volume will be of interest to students and academics in social policy, social welfare and related disciplines.
The great American middle class is dying—and not from natural causes. The Murder of the Middle Class exposes the crime and indicts the conspirators, from the Obama administration to their willing accomplices in big business, big media, and big unions—naming names and pointing out their misdeeds. Bestselling author Wayne Allyn Root doesn't just prove the crime and profile the suspects, he provides bold solutions to save American capitalism, the middle class, the GOP . . . and YOU! This middle class warrior gives you the game plan and the weapons to fight back.
financial markets suggests that factors such as differences in capital requirements, limi tations on size or on the range of financial activities in which firms can engage, govern ment guarantee arrangements for deposits or payments, and reporting or disclosure requirements can have important effects on the efficiency of industrial and commercial firms and thus on the international competitive positions of major sectors of the U.S. economy. Regulatory and tax policies must therefore take into account effects on inter national competitive positions in addition to domestic concerns. The articles in this issue analyze differences in market organization and regulation across countries and examine how efficiency in producing financial services is influenced by these differences. These articles were presented and discussed at a conference sponsored by the Amer ican Enterprise Institute in Washington, D.C., on May 31 and June 1, 1990. This confer ence on International Competitiveness in Financial Services brought to the attention of Washington policy officials these analyses by leading scholars in finance. Publication of these studies and critiques in the Journal of Financial Services Research is intended to stimulate further interest in research on these important issues.
Value of Pensions in Divorce, Fifth Edition provides guidelines for financial advisors, divorce attorneys, and pension actuaries through every stage of the pension valuation process - from preliminary client interview to review of pension valuation reports, drafting of qualified domestic relations orders (QDROs), and cross-examination of expert witnesses. Mathematics are kept to a minimum, and legal principles and concepts of pension valuation are translated into plain English and illustrated with examples, sample court orders, and pension documents. Value of Pensions in Divorce includes detailed explanations and examples, as well as updates on standard topics. It introduces new approaches and new concepts relevant to everyday practice. It also offers practical applications of the values, allocations, and settlements of pensions in marital dissolutions. Features include: Statutory case law and references where appropriate The andquot;whyandquot; and andquot;howandquot; of pensions of all kinds Detailed actuarial valuations of pensions Sample QDROs An extensive Glossary And more!
Will you be a poor senior? Finally, here is a Canadian book for everyone between 15-50 who wants to plan for a rich and happy retirement. By following the easy steps, readers will experience a real buzz as the years roll by and their nest egg grows. Robert Kitea s book addresses the looming problem of the pension shortfall. This book arose out of his personal experience. As he writes, a Twenty years ago I realised that unless we took drastic measures immediately, my wife Polly and I would outlive our money and experience our a senior yearsa in poverty.a Robert adapted a unique plan that he had devised for his professional work and now shares that secret with his readers. The thousands of people who would otherwise face a retirement with despair can now find hope from this book. The financial needs of women in retirement are discussed and single women especially are shown that they too can look forward to a happy retirement on a single income.
Value of Pensions in Divorce, Fourth Edition provides guidelines for financial advisors, divorce attorneys, and pension actuaries through every stage of the pension valuation process - from preliminary client interview to review of pension valuation reports, drafting of qualified domestic relations orders (QDROs), and cross-examination of expert witnesses. Mathematics are kept to a minimum, and legal principles and concepts of pension valuation are translated into plain English and illustrated with examples, sample court orders, and pension documents. Value of Pensions in Divorce includes detailed explanations and examples, as well as updates on standard topics. It introduces new approaches and new concepts relevant to everyday practice. It also offers practical applications of the values, allocations, and settlements of pensions in marital dissolutions. Features include: Statutory case law and references where appropriate The "why" and "how" of pensions of all kinds Detailed actuarial valuations of pensions Sample QDROs An extensive Glossary And more! Value of Pensions in Divorce has been updated to include: Analysis, tables, and sample valuations to reflect the new standards for pension valuation under the Pension Protection Act of 2006 and under the Pension Benefit Guaranty Corporation (PBGC) Detailed explanation of how a present value is calculated Expanded coverage of bright line vs. coverture, including a nationwide survey of bright line states and coverture states Expanded analysis of joint and survivor valuations, including detailed explanation of joint mortality Expanded discussion and case law citations of the subtraction, tracing, and coverture methods of defined contribution valuations New case studies and detailed analyses of the three valuation methods, with explanation of the time-weighted rate of return
This book offers strategies aimed at assisting and monitoring the implementation of the UN's Madrid International Plan of Action on Ageing. Contributions from international experts aim at assisting governments in mainstreaming ageing in their policies and in monitoring this process. The contributors provide an overview of the current situation with respect to population ageing and its consequences and they provide projections for the future. Topics addressed include demography, income and wealth, labour market participation, social protection and financial stability. Geographical converage is the UNECE Member States which include the EU, North American countries as well as countries of the former Soviet Union and former Yugoslavia.
The vast majority of Canadians are blissfully unaware that everyman, woman and child in Canada now owes a $35,000 share ofgovernment debt and must pay this back, with interest! Makeno mistake, this debt will change our country and affect everysingle Canadian in the decades to come. You may think you haveplanned for your retirement and are safe, but the government mustfind a way to recover this borrowed money, and they can only dothat by raising your taxes and reducing your hard-earned benefits.How did this debt come about, and why can't we simply pay it off? Pension Ponzi lays the blame squarely at the feet of thepoliticians who refused to stand up to Canada's public sectorunions. The fact is Canada's public sector, which accounts for 20%of the workforce, has been grossly overpaid relative to theircounterparts in the private sector with cushy pensions paid forwith your taxes and new debt. There is no denying that thecountry does not have the financial resources to ensure that thenext generation of Canadians will have the same standard of livingas the ones before it-or to support our growing seniors population.Meeting our public sector pension obligations will break thecurrent social safety net that is a pillar of the Canadian way. Can you escape this bleak future? Can you afford to live longer?Nationally-recognized pension expert Bill Tufts and award-winningjournalist Lee Fairbanks explore how this catastrophe came aboutand then suggest ways that government can fix what's broken, andhow you as an individual can protect yourself from the financialcalamity that is about to engulf Canada.
Iron and steel workers by United Steelworkers of America
The US public has been led to believe that Social Security is going bankrupt and that our children will be burdened with supporting the elderly unless it is reformed. Benavie will refute these arguments. While it is true that our public pension system can be improved, this book will separate the widely accepted economic facts of the issue from personal value judgements. This book is an invaluable guide to understanding and making informed decisions about one of our most important social welfare systems.