Dale: 2055 books

Conventional financial planning wisdom assumes that retirees can withdraw a maximum of an inflation adjusted 4% of their retirement portfolio every year. Some recent research indicates the 4% safe withdrawal rate rule can be increased by following some decision based rules. This short story explores this recent research and illustrates how to maximize the income from a retirement portfolio.

Although Wall Street tries to convince us that financial planning is too complicated for an ordinary Main Street citizen to understand, financial planning is not rocket science. This story provides a process map or flow chart for the entire financial planning process. Each process step in the...

One farmworker tells of the soil that would “bite” him, but that was the chemicals burning his skin. Others developed lupus, asthma, diabetes, kidney failure, or suffered myriad symptoms with no clear diagnosis. Some miscarried or had children with genetic defects, while others developed cancer. In...

The most critical decision involved with your retirement portfolio is the correct asset allocation. This short story reveals the actual asset allocation used by Americans as a function of age group. You can compare your age and your asset allocation with similar age groups and see how you compare.

Many Americans are saving and investing for retirement. One of the key steps in investing is to determine an asset allocation that meets your specific situation. This short story explains whether or not you should include the present value of your pension and Social Security as bonds in your asset allocation plan.

Many Americans work hard and live below their means so they can grow their wealth through saving and investing. Unfortunately, the U.S. has 50% of the world's lawyers. Umbrella insurance is an easy way to protect your hard earned wealth from lawsuits. This short story explains umbrella insurance including how much umbrella insurance you should have.

Build a dynamic system for change! From NCLB to Common Core standards, we are inundated with directives for improving our schools. How can we really create lasting change? By applying the Change Creation system! Learning community pioneers Dale Lick, Karl Clauset, and Carlene Murphy lead teachers,...

Discover Civil War history—and supernatural mystery—in this paranormal tour. Includes photos. Alabama is no stranger to the battles and blood of the Civil War, and nearly every eligible person in the state participated in some fashion. Some of those citizen soldiers may linger still on...

Millions of American families used slides to capture their family memories in the 1960s. These slides are now 50 years old. They are gradually decaying and their precious images will soon be lost forever. This short story chronicles my journey of digitizing 50 year old family slides. Reading this short story will help you decide on how to best preserve your family memories.

Two best friends document their post-college lives in a hilarious, relatable, and powerfully honest epistolary memoir. Fast friends since they met at Brown University during their freshman year, Jessica Pan and Rachel Kapelke-Dale vowed to keep in touch after their senior year through in-depth—and...

During the first decade of the twenty-first century, schools and communities find themselves struggling with concerns of youth violence, child poverty, and race relations in an economy mired in recession. In Schooling for Life, esteemed community educator Dale E. Shuttleworth brings his rich experiences...

As the 67 million Baby Boomers enter retirement, they face a key question. What is the optimum method of converting their retirement portfolio into cash during retirement? This short story explores several alternative methods for converting a retirement portfolio into cash. Reading this short story...

Contributing the maximum amount to your 401K has become the “holy grail” of the financial services industry. Several recent studies suggest that not everyone should max out their 401K. This short story explores whether or not you should max out your 401K.

Many of the 67 million Baby Boomers who turn age 65 in 2011 want to retire. If they have chosen a high-priced financial advisor, their retirement date may be delayed indefinitely. This short story utilizes a real life example of a couple who can never retire due to excessive investment and financial...