Руководствуясь энциклопедией, юные рукодельницы смогут сделать из бисера много изящных вещиц: забавные игрушки и брелки, оригинальные колье, цепочки, красивые браслеты и серьги. Узнают о том, как расшить разноцветными бусинками маечку или джинсовую куртку, платье, сумочку, босоножки, футлярчик для мобильного телефона…
Следуя от простого к сложному, подробно останавливаясь на каждом этапе работы, автор книги рассказывает о секретах бисероплетения.

словари, справочники

руководства

сделай сам

рукоделие и ремесла

книги для детей

бисероплетение

украшения

развитие творческих способностей

оригинальные поделки

книги для девочек

рукоделие

знания и навыки

Бисер для девочек

Развиваем логику

Учимся читать

Фигурки из бисера

Бисер и стеклярус

Игрушки и цветы из шерсти. Техника валяния

Учимся cчитать

любовные романы

фэнтези

учебная и научная литература

современная русская литература

современные любовные романы

современная зарубежная литература

детективы

об истории серьезно

приключения

книги о приключениях

ужасы / мистика

учебники и пособия для вузов

cтихи, поэзия

книги по психологии

стихи и поэзия

гуманитарные и общественные науки

русская классика

мистика

боевики, остросюжетная литература

публицистическая литература

Guarantee your retirement income with a DIY pension Pensionize Your Nest Egg describes how adding the new approach of «product allocation» to the tried-and-true asset allocation approach can help protect you from the risk of outliving your savings, while maximizing your income in retirement. This book demonstrates that it isn't the investor with the most money who necessarily has the best retirement income plan. Instead, it's the investor who owns the right type of investment and insurance products, and uses product allocation to allocate the right amounts, at the right time, to each product category. This revised second edition is expanded to include investors throughout the English-speaking world and updated to reflect current economic realities. Readers will learn how to distinguish between the various types of retirement income products available today, including life annuities and variable annuities with living income benefits, and how to evaluate the features that are most important to meet their personal retirement goals. Evaluate the impacts of longevity, inflation, and sequence of returns risk on your retirement income portfolio Make sense of the bewildering array of today's retirement income products Measure and maximize your Retirement Sustainability Quotient Learn how your product allocation choices can help maximize current income or financial legacy – and how to select the approach that's right for you Walk through detailed case studies to explore how to pensionize your nest egg using the new product allocation approach Whether you do it yourself or work with a financial advisor, Pensionize Your Nest Egg gives you a step-by-step plan to create a guaranteed retirement income for life.

личные финансы

зарубежная деловая литература

Pensionize Your Nest Egg. How to Use Product Allocation to Create a Guaranteed Income for Life

Increase the odds you won't run out of money in retirement – using debt! Conventional wisdom is wrong – being debt free in retirement may actually increase your risk. The Value of Debt in Retirement teaches you how incorporating debt into your retirement strategy may increase your return, lower your taxes and actually lower your risk. You read that right. If handled correctly, debt—that thing we've all been taught to avoid—can play an integral role in your life, especially in retirement. New York Times Best Selling Author and nationally acclaimed financial expert Tom Anderson shows you how to use the time tested strategies of the best companies and the ultra rich to retire comfortably, minimize taxes, buy the things you have always wanted to have and do the things you have always wanted to do. Thought provoking and against the grain, Anderson explains why your risk tolerance doesn't matter, why being debt free may actually increase your risk and why rushing to pay off your mortgage may be a financial disaster. Full of shocking revelations and tricks high- net-worth individuals have used for years, The Value of Debt in Retirement opens the world to a new approach to wealth management in retirement, one that factors in both sides of the balance sheet as an integrated ecosystem. Real-world case studies illustrate how informed debt strategies can lead to a happier, healthier retirement. See how an individual with a net worth of more than $5 million can spend $20,000 per month – after taxes – and pay less than $5,000 per year in taxes, how it is possible to increase your rate of return by 50%, and how a lower risk portfolio with debt could increase the chances you do not run out of money. Specifically written to Baby Boomers, practical guides and checklists show how to use debt strategies to fund primary and secondary properties, refinance credit card debt, and finance hobbies, such as cars and boats and recreational vehicles. Additional guides show how you can help your children, help your parents and leave a bigger legacy for your heirs and favorite charities. Regardless of your net worth, The Value of Debt in Retirement provides tools to use to apply these concepts to your personal situation. There is no free lunch: the book delivers a balanced perspective focusing on the potential risks and benefits of the strategies discussed. A discussion on economic history highlights some of the shocks the economy may face and provides important warnings that you should factor into your retirement plan. Anderson not only shows that your life expectancy may be longer than you think, but also illustrates that many investors may be on track to average returns well under 4% for the next ten years – a potentially devastating combination. Irrespective of your beliefs about debt, The Value of Debt in Retirement proves risk is more important than return for retirees and provides suggestions on ways to minimize that risk. Not all debt is good and high levels of debt are bad. The Value of Debt in Retirement is about choosing the right debt, in the right amounts, at the right time. Perhaps most importantly, this book isn't for everybody. This book requires responsible actions. If you can't handle the responsibility associated with the ideas then this book then it isn't for you. If you need a rate of return under 3% from your investments then you may not need this book. But if you can handle the responsibility and if you need a return above 3%, this book may offer insights into the best (and potentially only) way to achieve your goals.

The Value of Debt in Retirement. Why Everything You Have Been Told Is Wrong

The Ultimate Guide to Autodesk Revit Architecture 2015 Responding to reader and instructor feedback, the expert author team updated and refreshed the book's content to make it even more useful, complete, and approachable. Mastering Revit Architecture is organized by real-world workflows and features detailed explanations, interesting real-world examples, and practical tutorials to help readers understand Revit and BIM concepts so that they can quickly start accomplishing vital Revit tasks. Part I discusses key BIM and Revit concepts before giving readers a hands-on look at the Revit interface. Part II explores today's Revit workflows and introduces readers to templates, worksharing, and managing Revit projects. Part III dives into modeling and massing and offers detailed information on the crucial Family Editor as well as visualization techniques for various industries. Part IV covers documentation, including annotation and detailing, and explains how to work with complex walls, roofs and floors as well as curtain walls and advanced stair and railings. The companion website features before-and-after tutorial files (metric and Imperial sets), additional advanced content, and an hour of video on crucial techniques. Whether you are a beginner or an advanced Revit user, this book offers the detailed instruction you need to get the most out of this powerful software product.

зарубежная компьютерная литература

Mastering Autodesk Revit Architecture 2015. Autodesk Official Press

Два друга студента, Николай и Петька, возвращаются из неудачного путешествия в Арзамас. На пути из Нижнего Новгорода в Заволжье что-то происходит с электричкой – она проезжает станции и красные сигналы светофора. Времени мало! Им нужно решить: прыгать на ходу поезда или пытаться его остановить своими силами! Что стоит за неисправным составом? Прошлое Николая, или это очередной передел бизнеса контрафактных запчастей?

современные детективы

Поиск по рельсам

Книга о пофигизме. Получилась юмористически-терапевтическая. Открыла автору (то есть мне) чудесный мир отношения к жизни с лёгкой придурью и научила виртуозно расставлять приоритеты. А если этот странный опыт помог мне, то наверняка поможет и другим.

юмористическая проза

легкая проза

Хорошо, когда всё фиолетово

В сборнике представлены стихи, детские размышления о самом любимом и дорогом человеке - бабушке, а также о животных, природе, временах года.

детские стихи

книги для дошкольников

Деткам на заметку! Стихи для детей и их родителей

Поиск себя, философия. открытие внутренних зажимов, снятие барьеров для преодоления сложных ситуаций в жизни.

сказки

возрастная психология

Каменная пустыня

Полная версия

Бисер для девочек

Другие книги автора