Download or read book Save More Tomorrow written by Shlomo Benartzi and published by Penguin. This book was released on 2012-04-12 with total page 288 pages. Available in PDF, EPUB and Kindle. Book excerpt: One of the world’s top experts in behavioral finance offers innovative strategies for improving 401(k) plans. Half of Americans do not have access to a retirement saving plan at their workplace. Of those who do about a third fail to join. And those who do join tend to save too little and often make unwise investment decisions. In short, the 401(k) world is in crisis, and workers need help. Save More Tomorrow provides that help by focusing on the behavioral challenges that led to this crisis inertia, limited self-control, loss aversion, and myopia—and transforms them into behavioral solutions. These solutions, or tools, are based on cutting edge behavioral finance research and they can dramatically improve outcomes by, for example, helping employees: -Save, even if they aren’t ready to do so now, by using future enrollment. -Save more by showing them images of their future selves. -Save smarter by reshuffling the order of funds on the investment menu. Save More Tomorrow is the first comprehensive application of behavioral finance to improve retirement outcomes. It also makes it easy for plan sponsors and their advisers to apply these behavioral tools using its innovative Behavioral Audit process.
Download or read book The Smarter Screen written by Shlomo Benartzi and published by Penguin. This book was released on 2015-10-06 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt: A leading behavioral economist reveals the tools that will improve our decision making on screens Office workers spend the majority of their waking hours staring at screens. Unfortunately, few of us are aware of the visual biases and behavioral patterns that influence our thinking when we’re on our laptops, iPads, smartphones, or smartwatches. The sheer volume of information and choices available online, combined with the ease of tapping "buy," often make for poor decision making on screens. In The Smarter Screen, behavioral economist Shlomo Benartzi reveals a tool kit of interventions for the digital age. Using engaging reader exercises and provocative case studies, Benartzi shows how digital designs can influence our decision making on screens in all sorts of surprising ways. For example: • You’re more likely to add bacon to your pizza if you order online. • If you read this book on a screen, you’re less likely to remember its content. • You might buy an item just because it’s located in a screen hot spot, even if better options are available. • If you shop using a touch screen, you’ll probably overvalue the product you’re considering. • You’re more likely to remember a factoid like this one if it’s displayed in an ugly, difficult-to-read font. Drawing on the latest research on digital nudging, Benartzi reveals how we can create an online world that helps us think better, not worse.
Download or read book Thinking Smarter written by Shlomo Benartzi and published by Penguin. This book was released on 2015-05-12 with total page 128 pages. Available in PDF, EPUB and Kindle. Book excerpt: From the acclaimed behavioral economist Shlomo Benartzi, a powerful new approach to thinking smarter when making important life decisions. Although we’ve been blessed with a very powerful thinking machine—our minds—there’s good evidence that we don’t like to think. In fact, one study shows that many people prefer receiving electric shocks to thinking and reflecting. Other studies show that even when we do think, we tend to think in too narrow and shallow a fashion. With these shortcomings, how can we be smarter when thinking about life situations like retirement? For example, once we have built up a financial nest egg, how can we become better thinkers about what to do in retirement? To help us, behavioral economist Shlomo Benartzi introduces the notion of thinking architecture and thinking tools. In this book, he offers one such thinking tool—a unique seven-step system called the Goal Planning System (GPS)—and explains the science behind it. When applied to retirement planning, this system helps readers identify what they value most, what they want to achieve in retirement, and ultimately, who they really are. By going through GPS, readers will then have a solid foundation upon which to build a tailored action plan that can help them attain their goals. To illustrate the impact GPS can have, Thinking Smarter considers the cases of Phillip and Francesca, actual retirees, and the action plans they developed after using GPS. For example: • Spend More Today: While many people spend too much and outlive their assets, Phillip discovered that he errs on the side of spending too little, so he will plan to spend more on something he values a lot—traveling with his wife. • Claim More Tomorrow: GPS taught Francesca that she places a high value on financial independence. An action plan that makes sense for her is to reap the financial benefit derived from deferring Social Security until she’s seventy, rather than claiming it as soon as she becomes eligible at age sixty-two. Thinking Smarter will become your indispensable guide to making better life decisions and achieving the future you really want.
Download or read book Transform Tomorrow written by Stig Nybo and published by John Wiley & Sons. This book was released on 2013-01-17 with total page 182 pages. Available in PDF, EPUB and Kindle. Book excerpt: A campaign to prepare Americans for their futures Transform Tomorrow investigates why so many Americans are at risk of out-living their savings. Author Stig Nybo draws inspiration from successful behavior change campaigns to identify the drivers of change—context and beliefs—and how they can be successfully employed to boost retirement savings rates. While the retirement savings industry increasingly embraces the contextual drivers of behavior, very little is being done to shape our beliefs to start saving smarter and sooner. Nybo suggests a retirement readiness campaign to inspire and enlist the support of individuals, employers, industry, government, and the media. Explains how society can transition from treating 401(k) as a voluntary benefit to the basis upon which each individual who wants to or needs to can retire comfortably. Details a national, coordinated retirement readiness campaign, along the lines of successful Public Service Advertisements—like "The Crying Indian" and Rosie the Riveter—that will help change behavior and re-shape the culture of our nation Makes a call to action for such a campaign Retirement in America is endangered, but Transform Tomorrow shows a path back from the brink.
Download or read book Misbehaving The Making of Behavioral Economics written by Richard H. Thaler and published by W. W. Norton & Company. This book was released on 2015-05-11 with total page 502 pages. Available in PDF, EPUB and Kindle. Book excerpt: Winner of the Nobel Prize in Economics Get ready to change the way you think about economics. Nobel laureate Richard H. Thaler has spent his career studying the radical notion that the central agents in the economy are humans—predictable, error-prone individuals. Misbehaving is his arresting, frequently hilarious account of the struggle to bring an academic discipline back down to earth—and change the way we think about economics, ourselves, and our world. Traditional economics assumes rational actors. Early in his research, Thaler realized these Spock-like automatons were nothing like real people. Whether buying a clock radio, selling basketball tickets, or applying for a mortgage, we all succumb to biases and make decisions that deviate from the standards of rationality assumed by economists. In other words, we misbehave. More importantly, our misbehavior has serious consequences. Dismissed at first by economists as an amusing sideshow, the study of human miscalculations and their effects on markets now drives efforts to make better decisions in our lives, our businesses, and our governments. Coupling recent discoveries in human psychology with a practical understanding of incentives and market behavior, Thaler enlightens readers about how to make smarter decisions in an increasingly mystifying world. He reveals how behavioral economic analysis opens up new ways to look at everything from household finance to assigning faculty offices in a new building, to TV game shows, the NFL draft, and businesses like Uber. Laced with antic stories of Thaler’s spirited battles with the bastions of traditional economic thinking, Misbehaving is a singular look into profound human foibles. When economics meets psychology, the implications for individuals, managers, and policy makers are both profound and entertaining. Shortlisted for the Financial Times & McKinsey Business Book of the Year Award
Download or read book Empowering Leadership of Tomorrow written by Ryszard Praszkier and published by Cambridge University Press. This book was released on 2018 with total page 267 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book shows how Empowering Leadership (EL) can drive success in business and have an immense social impact.
Download or read book Live for Today Plan for Tomorrow written by Robert Montague and published by Trafford Publishing. This book was released on 2016-12-20 with total page 289 pages. Available in PDF, EPUB and Kindle. Book excerpt: The primary theme from the first edition, written in 2007, is that we must always live a balanced life. A frequent tragedy experienced by many people is working and saving for a lifetime but never fully enjoying the fruits of their labor, reaching retirement with substantial financial resources but unable to enjoy retirement due to an unexpected medical condition or death of a spouse. The message throughout the pages is how to live every moment to its fullestdont postpone a dream for tomorrow because it may not come. Learn about investments, the markets, and the economy, plan, and then implement it with the assistance of a professional, and get on with the wonders of life. Work hard toward success and being your best, but not to the extent you are hurting yourself or your loved ones. Live for today! Plan for tomorrow.
Download or read book Organize Tomorrow Today written by Jason Selk and published by Da Capo Lifelong Books. This book was released on 2015-12-22 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt: Dr. Jason Selk helps well-known professional and Olympic athletes as well as Fortune 500 executives and organizations develop the mental toughness necessary to thrive in the face of adversity and achieve elite-level results. Tom Bartow, following a career as a winning college basketball coach, became one of the country's top financial advisors and is now one of the premier business coaches nationwide. Together, Selk and Bartow reveal the secrets of how both elite athletes and business leaders climb to the top. In Organize Tomorrow Today (OTT), two of the top minds in human performance come together to deliver the pathway to extreme success. Doing more is not the answer and Selk and Bartow walk you through how to achieve more by doing less. There is a huge difference between knowing something and understanding. There is an even wider gap between understanding and doing. Highly successful people never get it all finished in any given day; however, they always get the most important things completed. Selk and Bartow offer the 8 fundamentals of doing what is most important. OTT will show you the performance gains that athletes, executives, and salespeople spend tens of thousands of dollars to achieve.
Download or read book Build for Tomorrow written by Jason Feifer and published by Harmony. This book was released on 2022-09-06 with total page 190 pages. Available in PDF, EPUB and Kindle. Book excerpt: “Build for Tomorrow will change the way you think so you can overcome any obstacle and reach your full potential.”—Jim Kwik, New York Times bestselling author of Limitless The moments of greatest change can also be the moments of greatest opportunity. Adapt more quickly and use the power of change to your advantage with this guide from the editor in chief of Entrepreneur magazine and host of the Build for Tomorrow podcast. We experience change in four phases. The first is panic. Then we adapt. Then we find a new normal. And then, finally, we reach the phase we could not have imagined in the beginning, the moment when we realize that we wouldn’t go back. Build for Tomorrow is designed to accelerate that process—to help you lessen your panic, adapt faster, define the new normal, and thrive going forward. And it arrives as we all, in some way, have felt a shift in our lives. The pandemic forced a moment of collective change, and we are still being forced to make new plans and adjustments to our lives, families, and careers. Many of us will never go back, continuing to work from home, demanding higher wages, or starting new businesses. To help people along this journey, Entrepreneur magazine editor in chief Jason Feifer offers stories, lessons, and concrete exercises from the most potent sources of change in our world. He speaks to the world’s most successful changemakers—from global celebrities like Dwayne “The Rock” Johnson and Maria Sharapova to innovative CEOs and Main Street heroes—to learn how they decide what to protect, what to discard, and how to move forward without fear. He also draws lessons from history, looking at how massive changes across time can help us better understand the opportunities of today. For example, he finds guidance for our post-pandemic realities inside the power shifts that occurred after the Bubonic Plague, and he reveals how the history of innovations like the elevator and even the teddy bear can teach anyone to be more forward-thinking. We cannot anticipate tomorrow’s needs, but it shouldn’t take a crisis to push us forward. This book will show you how to make change on your own terms.
Download or read book Tomorrow Most Likely written by Dave Eggers and published by Chronicle Books LLC. This book was released on 2019-04-02 with total page 41 pages. Available in PDF, EPUB and Kindle. Book excerpt: Every night we say goodnight. But tonight we also ask, "What will tomorrow bring? An odd-sounding song? A worried-looking bug? A mysterious rock?" Most likely, all of the above. In a modern take on the classic goodnight book, rather than focusing on going to bed, this little boy contemplates the next day and all of the wonderful, dreamy, and silly things that are to come. Whimsical, poignant, and hopeful, this sweet book from bestselling author Dave Eggers and award-winning illustrator Lane Smith is a bedtime story for tomorrow ever after.
Download or read book What Investors Really Want Know What Drives Investor Behavior and Make Smarter Financial Decisions written by Meir Statman and published by McGraw Hill Professional. This book was released on 2010-11-19 with total page 305 pages. Available in PDF, EPUB and Kindle. Book excerpt: A pioneer in the field of behavioral finance presents an investment guide based on what really drives investors Perfectly timed to give readers a real edge for investing in post-crash markets Author is a leading authority on the theory and application of behavioral finance and a fixture in The Wall Street Journal and other leading media outlets Poised to become the definitive text on how investors and managers make financial decisions—and how these decisions are reflected in financial markets
Download or read book VERSUS Heritage for Tomorrow written by Correia, Mariana and published by Firenze University Press. This book was released on 2014 with total page 292 pages. Available in PDF, EPUB and Kindle. Book excerpt: Vernacular architecture represents a great resource that has considerable potential to define principles for sustainable design and contemporary architecture. This publication is the result of an overall aim to produce a valuable tool for analysis regarding vernacular heritage through different assessments, in order to define principles to consider for sustainable development. This was possible through a comprehensive reflection on the principles established and the strategies to recognise in different world contexts. The present publication was the result of an in-depth approach by 46 authors from 12 countries, concerned with the analysis and critical assessment of vernacular heritage and its sustainable perspective. The book presents 8 chapters addressing operational definitions and synopses advances, regarding the main areas of vernacular heritage contribution to sustainable architecture. It also presents 15 chapters and 53 case studies of vernacular and contemporary approaches in all the 5 continents, regarding urban, architectural, technical and constructive strategies and solutions. VERSUS, HERITAGE FOR TOMORROW: Vernacular Knowledge for Sustainable Architecture is the result of a common effort undertaken by the partners ESG | Escola Superior Gallaecia, Portugal, as Project leader; CRAterre | École Nationale Supérieure d’Architecture de Grenoble, France; DIDA | Università degli Studi di Firenze, Italy; DICAAR | Università degli Studi di Cagliari, Italy; and UPV | Universitat Politècnica de València, Spain. This is the final outcome of VerSus, an European project developed from 2012 to 2014, in the framework of the Culture 2007-2013 programme.
Download or read book Making Eye Health a Population Health Imperative written by National Academies of Sciences, Engineering, and Medicine and published by National Academies Press. This book was released on 2017-01-15 with total page 587 pages. Available in PDF, EPUB and Kindle. Book excerpt: The ability to see deeply affects how human beings perceive and interpret the world around them. For most people, eyesight is part of everyday communication, social activities, educational and professional pursuits, the care of others, and the maintenance of personal health, independence, and mobility. Functioning eyes and vision system can reduce an adult's risk of chronic health conditions, death, falls and injuries, social isolation, depression, and other psychological problems. In children, properly maintained eye and vision health contributes to a child's social development, academic achievement, and better health across the lifespan. The public generally recognizes its reliance on sight and fears its loss, but emphasis on eye and vision health, in general, has not been integrated into daily life to the same extent as other health promotion activities, such as teeth brushing; hand washing; physical and mental exercise; and various injury prevention behaviors. A larger population health approach is needed to engage a wide range of stakeholders in coordinated efforts that can sustain the scope of behavior change. The shaping of socioeconomic environments can eventually lead to new social norms that promote eye and vision health. Making Eye Health a Population Health Imperative: Vision for Tomorrow proposes a new population-centered framework to guide action and coordination among various, and sometimes competing, stakeholders in pursuit of improved eye and vision health and health equity in the United States. Building on the momentum of previous public health efforts, this report also introduces a model for action that highlights different levels of prevention activities across a range of stakeholders and provides specific examples of how population health strategies can be translated into cohesive areas for action at federal, state, and local levels.
Download or read book Project Hail Mary written by Andy Weir and published by Ballantine Books. This book was released on 2022-10-04 with total page 497 pages. Available in PDF, EPUB and Kindle. Book excerpt: #1 NEW YORK TIMES BESTSELLER • From the author of The Martian, a lone astronaut must save the earth from disaster in this “propulsive” (Entertainment Weekly), cinematic thriller full of suspense, humor, and fascinating science—in development as a major motion picture starring Ryan Gosling. HUGO AWARD FINALIST • ONE OF THE YEAR’S BEST BOOKS: Bill Gates, GatesNotes, New York Public Library, Parade, Newsweek, Polygon, Shelf Awareness, She Reads, Kirkus Reviews, Library Journal • “An epic story of redemption, discovery and cool speculative sci-fi.”—USA Today “If you loved The Martian, you’ll go crazy for Weir’s latest.”—The Washington Post Ryland Grace is the sole survivor on a desperate, last-chance mission—and if he fails, humanity and the earth itself will perish. Except that right now, he doesn’t know that. He can’t even remember his own name, let alone the nature of his assignment or how to complete it. All he knows is that he’s been asleep for a very, very long time. And he’s just been awakened to find himself millions of miles from home, with nothing but two corpses for company. His crewmates dead, his memories fuzzily returning, Ryland realizes that an impossible task now confronts him. Hurtling through space on this tiny ship, it’s up to him to puzzle out an impossible scientific mystery—and conquer an extinction-level threat to our species. And with the clock ticking down and the nearest human being light-years away, he’s got to do it all alone. Or does he? An irresistible interstellar adventure as only Andy Weir could deliver, Project Hail Mary is a tale of discovery, speculation, and survival to rival The Martian—while taking us to places it never dreamed of going.
Download or read book Seismic Acquisition from Yesterday to Tomorrow written by Julien Meunier and published by SEG Books. This book was released on 2011 with total page 251 pages. Available in PDF, EPUB and Kindle. Book excerpt: The rapid development of seismic acquisition, including wide-azimuth surveys, increased channel count, and simultaneous shooting, is made possible by technological advancements today that will enable the production of clearer seismic images tomorrow. The core of this book is the relationship between acquisition parameters and seismic image quality.
Download or read book Aging with a Plan written by Sharona Hoffman and published by Bloomsbury Publishing USA. This book was released on 2015-05-12 with total page 219 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book offers a concise, comprehensive resource for middle-aged readers who are facing the prospects of their own aging and of caring for elderly relativesan often overwhelming task for which little in life prepares us. Everyone ages, and nearly everyone will also experience having to support aging relatives. Being prepared is the best way to handle this inevitable life stage. This book addresses a breadth of topics that are relevant to aging and caring for the elderly, analyzing each thoroughly and providing up-to-date, practical advice. It can serve as a concise and comprehensive resource read start-to-finish to plan for an individual's own old age or to anticipate the needs of aging relatives, or as a quick-reference guide on specific issues and topics as relevant to each reader's situation and needs. Using an interdisciplinary approach, Aging with a Plan: How a Little Thought Today Can Vastly Improve Your Tomorrow develops recommendations for building sustainable social, legal, medical, and financial support systems that can promote a good quality of life throughout the aging process. Chapters address critical topics such as retirement savings and expenses, residential settings, legal planning, the elderly and driving, long-term care, and end-of-life decisions. The author combines analysis of recent research on the challenges of aging with engaging anecdotes and personal observations. By following the recommendations in this book, readers in their 40s, 50s, and early 60s will greatly benefit from learning about the issues regarding aging in the 21st centuryand from investing some effort in planning for their old age and that of their loved ones.
Download or read book Perspectives on the Economics of Aging written by David A. Wise and published by University of Chicago Press. This book was released on 2004-07-10 with total page 560 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book investigates several important issues in the economics of aging, including the accumulation of wealth and the relationship between health and financial prosperity. Examining the changes in savings behavior and investment priorities in the United States over the past few decades, contributors to the volume point to a dramatic shift from employer-managed, defined benefit pensions to employee-controlled retirement savings plans. Further, the legislative reforms of the 1980s and the booming stock market of the 1990s did their share to influence individual wealth accumulation patterns of Americans. These studies also explore the relationship between health status and economic status. Considering issues like pension income and health, mortality, and medical care, contributors present evidence from the United States, Britain, South Africa, and Russia. The volume culminates with wide-ranging discussions on a number of key topics in the field including the innovations that have contributed to a decline in mortality rates; the various medical advances that have benefited populations over time; and the determinants of expenditures on health. The findings with regard to cross-sectional differences in health outcomes and health care utilization also pose troubling questions for policymakers seeking to democratize health care across regions and races.
