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“Very good advice that I will be sharing with my children. Easy to read and great links to other books.” Read more Readers also mention the book includes a good reading list and very good advice that they will be sharing with their children. Download the free Kindle app and start reading Kindle books instantly on your smartphone, tablet or computer – no Kindle device required. “An excellent book for young people. Some practical tips to help young people manage their finance and prepare for retirement.” Read more “I liked its brevity, simplicity and price (free) I look forward to reading his recommended books and his book coming out in june.” Read more “…Overall, I liked the book. It was a quick and easy read so I would recommend it for those who don’t want to spend a lot of time reading but still…” Read more

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“Dr. Bernstein has distilled a lifetime of investing wisdom into a short, practical and easy to read introduction to a life long financial path that…” Read more “…investing for many years but I still found this booklet to be an easy to read and a thoroughly enjoyable guide for not only the millenials but…” Read more “Straightforward, easy to read-approach to personal finance. I’ll recommend this to any young person out there. I’ll have to read this yearly.” Read more

Customers find this book to be a great introduction to managing finances, with simple explanations and straightforward advice that’s easy to understand. Adam Shell is a veteran financial journalist who covers retirement, personal finance, financial markets, and Wall Street. While you might make a killing by buying a single hot stock or going all-in on a cryptocurrency such as Bitcoin, you’re better off spreading your money out among several investments. Net worth offers a window into your investments and the assets you own and also highlights all the financial liabilities, such as money owed on mortgages, student loans and credit cards.

William J. Bernstein

• One weakness of using net worth to track financial health is that it “doesn’t capture the full picture of financial well-being,” Kathleen Coxwell wrote in a blog post for Boldin, a digital financial planning site.
• ’ Maybe they have a lot of money, but maybe they spend a lot, too.”
• “The book has some useful financial advice for the neophyte, though it is obviously written for an American audience….” Read more
• However, wealth can shrink if asset prices decline.
• 5) Recognize the monsters that populate the financial industry.

He was the 2017 recipient of the CFA Institute’s James Vertin Award for financial research.

more copies of this book

All they’ll have to do is to put away 15% of their salaries into a low-cost target fund or a simple three-fund index allocation for 30 to 40 years. First and foremost, this booklet is available for free on my website “efficientfrontier-dot-com,” you’ll have to click through a few links. “Author has come across very straight forward and honest without trying to sell anything. That is very refreshing. Good read.” Read more Customers find the book informative and essential for starting to save.

If you want to grow your net worth, invest in things that make money for you when you’re asleep. “I like to say that stock market history can serve as ‘virtual Valium,’ since it can help if you can how millennials can get rich slowly you sleep better when you know how quickly the market tends to get back to breakeven from declines,” Stovall said. The second part is you have to invest your money. “The first part (of growing your net worth) is you’ve got to save your money. “Your money’s not going anywhere, but it doesn’t do anything for you, either,” says Steffen.

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• “Finding assets that appreciate is really the key to building wealth,” says Tara Lawson, a senior wealth planner at US Bank Private Wealth Management.
• If you want to grow your net worth, invest in things that make money for you when you’re asleep.
• These twin inputs give you a more complete picture of your financial situation.
• This is, in part, due to retirement accounts and assets growing over time.
• As the table shows, older Americans tend to have higher net worth, as they’ve had their entire lives to accumulate such assets as 401(k)s, IRAs, real estate and equity in their own businesses.
• That can help you benchmark how you stack up against your peers and aid in retirement planning.

Total U.S. retirement assets totaled $45.8 trillion at the end of June 2025. Retirement assets accounted for a third (34%) of all household financial assets in the U.S. at the end of June 2025, according to the Investment Company Institute. “This is basic, financial advice for everyone….” Read more These ebooks can only be redeemed by recipients in the US. Used book that is in clean, average condition without any missing pages. And, to repeat, if you just want to read the booklet, it’s available for free.

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But it’s a horrible way to keep wealth, because that home run can turn into a strikeout the next day.” “Putting all your eggs in one basket can be a great way to create wealth if you can hit a home run. For most people, “slow and steady wins the race,” said Steffen. They’re just starting their careers, typically don’t earn as much as older workers, and have yet to start accumulating assets such as stocks and bonds or real estate.

Average net worth by age stats

Customers appreciate the book’s brevity, with one noting it’s the shortest personal finance book, while another mentions it’s long enough to have substance. “…This is a must for personal investment finance for retirees and those working toward a healthy retirement.” Read more “Simple, easy to understand advice for young investors. Anyone following the strategy presented by Dr Bernstein will undoubtedly do well in retirement.” Read more

If You Can: How Millennials Can Get Rich Slowly by William J Bernstein(2014-07- Paperback – July 31 2014

It’s no surprise that younger people have a lower net worth. However, wealth can shrink if asset prices decline. Similarly, the average net worth for homeowners was $1,525,200 compared with $153,500 for renters. The average net worth for those with a college degree was $1,992,900 vs $413,300 for Americans with a high school diploma, Fed data show. “Knowing how all your assets and liabilities fit together is a big part of understanding your net worth,” says Steffen. Knowing your net worth can offer valuable insights into your money habits and future goals, says Tim Steffen, director of advanced planning at Baird Private Wealth Management.

As the table shows, older Americans tend to have higher net worth, as they’ve had their entire lives to accumulate such assets as 401(k)s, IRAs, real estate and equity in their own businesses. The average net worth (which skews to the upside due to folks with extremely high net worth) was $1.06 million, according to the Fed. The net worth data show both the average and the median (a midpoint, with half the values higher and half the values lower). For example, if you have $750,000 in your 401(k), own a home worth $450,000, and drive a BMW worth $50,000, it means you have assets totaling $1,250,000. These twin inputs give you a more complete picture of your financial situation. Net worth is the difference between your assets and your liabilities.

Bernstein, William J

Download the free Kindle app and start reading Kindle books instantly on your smartphone, tablet, or computer – no Kindle device required. It is not designed to meet your personal financial situation – we are not investment advisors nor do we give personalized investment advice. “The book has some useful financial advice for the neophyte, though it is obviously written for an American audience….” Read more

Customers find the book easy to read and understand, describing it as succinct and clear. “This is probably one of the best book about personal finance I have ever read. It tells you what you need to do. All you need is here….” Read more “…has been paving the way for financial education and this is another great book that should be required reading for all professions.” Read more “Great advice. Well written. Long enough to have substance, short enough to be approachable. More people need to read this book.” Read more

Customers find the book informative, useful, and essential for someone starting to save. The optimal strategy for most young people is thus to first max out their 401(k) match, then contribute the maximum to a Roth IRA, then save in a taxable account on top of that. Then, and only then, can you start to save seriously for retirement. Ninety-five percent of what happens in finance is random noise, yet investors constantly convince themselves that they see patterns in market activity. 5) Recognize the monsters that populate the financial industry. “This may be the best book ever written for young first-time investors….” Read more

“It’s not a sexy strategy, but investing for the long term works,” says Lawson. Take advantage of workplace retirement plans. Whatever your risk tolerance is, make sure your money is performing for you.” Make sure your money is working hard for you.

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We want to ensure that all our residents feel at home, whether they are here for residential care or outpatient treatment. Case management services can make the addiction treatment process much easier and connect clients with resources they may not have been able to access otherwise. The first step in moving forward with us in outpatient care is through an initial assessment.

Where does Hazelden Betty Ford offer residential/inpatient treatment?

Treatment facilities range from very basic to luxury, and the costs may vary significantly as well. In general, inpatient rehab is worth the price and a private health insurance policy may cover all or part of a person’s rehab costs. Individuals without insurance can still attend rehab with payment plans that make rehab more affordable. Inpatient treatment involves medical care to further support you as you take your first steps in recovery.

How Does Outpatient Rehab Vary?

• They’re happy to help you review and obtain the out-of-network benefits you may have through your insurance plan.
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• We are honored to be part of the care journey, and we strive to provide the highest level of care.

Thrive’s Clinical staff consists of one doctor, Master-level individuals, and What is Rehab group therapists who specialize in substance abuse and mental health treatment. Our Medical Director is board-certified in Addiction Medicine while our Psychiatrist is board-certified in both General and Addiction Psychiatry. The services at Thrive Treatment can help you overcome the challenges of detox and begin a truly transformative life free from alcohol or drug use.

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The following substance abuse treatment centers were selected based on several criteria, including measures of quality care and treatment options. Stonegate Center is an addiction treatment center that offers a residential program, medical detox, and sober living facilities. The provider is located 25 minutes from Fort Worth and one hour from Dallas. Typically, inpatient rehab is more expensive than outpatient rehab, so take this into consideration when thinking about treatment options.

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• In inpatient care, you can access a range of recreational amenities to improve your physical and mental health.
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• In 1988, the program expanded to provide specialized services for older adults.

Here, clients can access outpatient mental health and substance abuse treatment, sober living facilities, and dual diagnosis treatment for California residents. Haven House is an inpatient drug and alcohol https://dio4d.com/is-addiction-genetic-what-science-says-about/ rehab center that provides medication-assisted treatment (MAT), detoxification, holistic therapies, sober living homes, and more. Alta Centers is a substance abuse treatment program that offers treatment options such as family counseling, medication management, co-occurring disorder care, relapse prevention, and more.

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ответа 2

Можно убрать ЖЕ, можно перед ним добавить ТОЧНО, можно добавить или увидеть союз КАК. ТАК ЖЕ – местоимённое наречие, обозначает действие, совершённое по образцу, похожим способом. Да, действительно, ТАКЖЕ – сочинительный союз, равный по значению союзу ТОЖЕ, обозначает действие, выполненное вслед за кем – то, можно заменить союзом И. Маша так же, как и Катя, говорит по-французски.Это же правило касается правописания слов чтобы, тоже, зато. Также — это сочинительный соединительный союз.Так же — указательное местоимение с частицей.Для проверки нужно попробовать опустить частицу же. Да можно, и очень просто – во всех этих предложениях (с обособлением) сказуемым является пропущенные местоимения «такой, такая, такое», а далее следует обособленный оборот.

И автор, оперируя термином в сокращенном виде (что на самом деле может ввести в ступор, и это уже исправили), не просто хочет получить ответ “да” или “нет”. Кратко ответить не получится. Узнайте, как получать баллы за покупки в Google Play как купить nft на opensea и повышать уровень в программе. Скачивайте приложения и контент на другие устройства Android с помощью любимого устройства.

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Они точно знают, что это необособленное сказуемое во всех случаях. При такой пунктуации мы показываем заминку, подбираем слова для сравнения. Обменивайте баллы Google Play Points на контент в приложениях, скидочные купоны или баланс Google Play. Зарабатывайте баллы и получайте бонусы за покупку цифрового контента (в том числе в приложениях) и скачивание приложений из Google Play. Создайте семейную группу, чтобы управлять покупками и делиться сервисами, например Google One.

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А меня интересует и морфологическая характеристика этого слова. Хлебинская Русский язык 11 класс 2006 год- часть речи не указывает – дефис Греков, Чешко Пособие для старших классов год – союз – через дефис (Автор, книга, часть речи, написание)

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• Лопатин – ПАС – уточняющее слово (в параграфе про однородные члены, в орфографической части упоминания нет) – раздельно.
• Зарабатывайте баллы и получайте бонусы за покупку цифрового контента (в том числе в приложениях) и скачивание приложений из Google Play.
• Узнайте, как получать баллы за покупки в Google Play и повышать уровень в программе.
• Создайте семейную группу, чтобы управлять покупками и делиться сервисами, например Google One.
• Да, действительно, ТАКЖЕ – сочинительный союз, равный по значению союзу ТОЖЕ, обозначает действие, выполненное вслед за кем – то, можно заменить союзом И.

В последнее время даже в учебниках (!) вижу после обобщающего слова перед однородными членами КАК-ТО, через дефис, как будто это наречие! Слова как например, как то употребляются для пояснения предшествующих слов, слова а именно — для указания на исчерпывающий характер последующего перечисления… Для подписки на ленту скопируйте и вставьте эту ссылку в вашу программу для чтения RSS. Нужно сразу после слова вещей поставить двоеточие и начать перечиление.

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А мы по-прежнему уверены, что перед нами необособленный оборот-сказумое. Обособляется здесь оборот, и это не редкость. А как же быть с необособленным оборотом в роли сказуемого. Александр, я только сегодня прочитала ваш ответ, а то бы ситуация заинтересовала меня раньше. Это комментарий на ответ Александр Стрелец А обособленные обороты, как правило, можно удалить без нарушения синтаксического строя.

• При обобщающих словах могут быть уточняющие слова…
• Да можно, и очень просто – во всех этих предложениях (с обособлением) сказуемым является пропущенные местоимения «такой, такая, такое», а далее следует обособленный оборот.
• В последнее время даже в учебниках (!) вижу после обобщающего слова перед однородными членами КАК-ТО, через дефис, как будто это наречие!

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Я привыкла доверять академическим справочникам и должна выбрать раздельное написание. Лопатин – ПАС – уточняющее слово (в параграфе про однородные члены, в орфографической части упоминания нет) – раздельно. Спасибо за вопрос, если честно, не вычитывала досконально Лопатина, и в подобном случае написала бы через дефис. Например, как то, а именно, перед которыми ставится запятая, а после них — двоеточие. Найдите ответ на свой вопрос, задав его. (Влияет ли на постановку запятой с оборотом как его местоположение в предложении?)

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В словарях, которые есть на “Грамоте” – союз – раздельно. Розенталь – все – часть речи не определяет – через дефис (в параграфе про однородные члены и в параграфе про написание частиц) Здесь значение в качестве, но распространенный оборот обособляется, так как занимает удобную для обособления позицию.

ответов 6

Более того, в “Справочнике по правописанию и литературной правке” Розенталя нахожу информацию об обобщающих словах, но уже с КАК-ТО! При обобщающих словах могут быть уточняющие слова… (Может, потому, что оборот с как находится в начале предложения, но ведь здесь значение “в качестве”.)

Как редактор всегда пользуюсь словарем-справочником В.В. Нам часто приходится запоминать правописание слов, в том числе с дефисом. Я тоже стараюсь включать логику, когда пытаюсь объяснить молодежи правописание тех или иных слов, поэтому полностью согласен с Вами, что дефис в КАК ТО в указанном контексте неуместен.

Без оборота с КАК высказывание не имеет законченного смысла. На Грамоте.ру, затертое до дыр, можно найти следующее (Постановка запятой перед союзом КАК). Сравнительный оборот выступает в роли сказуемого. Да, отсутствие запятой позволяет бегло прочитать предложение с главным ударением на последнем слове.

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