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Affiche du document Retraite obligatoire et solutions supplémentaires

Retraite obligatoire et solutions supplémentaires

Gonzague LA FONTA

1h48min45

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145 pages. Temps de lecture estimé 1h49min.
Comment améliorer son pouvoir d’achat immédiat tout en réalisant des placements dans l’objectif de vivre correctement à la retraite ?Il semble en effet de plus en plus difficile de compter uniquement sur sa future pension des régimes obligatoires.Les solutions de capitalisation restent complexes et la règlementation est mouvante. Une vingtaine de lois depuis 2000… On s’éloigne du « pacte de simplification » !Les solutions via l’entreprise sont variées et efficaces, mais encorepeu utilisées et les budgets non extensibles. À titre privé, lapossibilité de verser contre avantage fiscal est limitée. Surtout, une grande majorité des actifs n’en a ni les moyens ni même l’intérêt.Dans ce contexte, comment s’y retrouver ? Quel P.E.R. utiliser, entreprise ou individuel ? L’assurance vie est-elle toujours intéressante ? …Chef d’entreprise, RH ou salarié, ce guide vous apporte tous les éléments nécessaires pour comprendre vos interlocuteurs en épargne salariale et ainsi prendre des décisions en connaissance de cause sur les solutions auxquelles vous pouvez prétendre.88 % des néoretraités regrettent de ne pas avoir agi avant…Même si chaque cas est personnel et qu’il n’existe aucune réponse toute faite, des solutions sont possibles ! QUELQUES DONNÉES SUR LA RETRAITE OBLIGATOIREPérimètre des préconisationsLes régimes obligatoires : c’est du juridique, on acquiert des droitsDes raisons de s’inquiéterComment acquérir des droits à la retraitePoint sur la retraite obligatoire des TNS LA LOI PACTE (SUR LE VOLET RETRAITE)Les principaux objectifs de la loiPrésentation du P.E.R Le P.E.R. dans l’ensemble des solutions d’épargne et de retraite LE MARCHÉ DE L’ÉPARGNE RETRAITELe P.E.R. se développera sur l’entrepriseComprendre la fiscalité sur le revenu en France FONCTIONNEMENT DES DIFFÉRENTS P.E.R.P.E.R. collectif et épargne salarialeLe P.E.R. obligatoire, à cotisation définieLe P.E.R. individuel (hors TNS), réceptacle des versements libresLa solution hors pair (ou OR P.E.R.) : contrat à prestation définie LA LOI PACTE, DES ÉVOLUTIONS QUI POSENT QUESTIONPoints d’étonnement sur les évolutions de 2019 : avis d’expertsLe P.E.R. a-t-il tant de nouveaux atouts ?Synthèse des évolutions produits, différences, gains, pertes LE CŒUR DU RÉACTEUR : COMPRENDRE LES LIMITES FISCALESDes limites fiscales complexes et restreintes BIEN UTILISER LE P.E.R.La retraite par capitalisation : faire avec, une nécessitéLa retraite par capitalisation : un seul enjeu, le volumeComment faire du volume ?L’intérêt d’un versement déductible PERIN à 30 % de TMI ?P.E.R. et IFILe PERIN et la protection du conjointRetraite et résidence principaleLe P.E.R. et l’assurance vieZoom sur les transfertsPrioriser les sources d’alimentationLa gestion financièreLes options de sortiesFaut-il transformer son ancien contrat PERP, MADELIN, ART. 83 ou PERCO?Synthèse des synthèses PARTAGE DE LA VALEUR : NOUVELLE OBLIGATION POUR LES ENTREPRISES DE 11 À 49 SALARIÉSConfusion des termesOn l’a échappé belleDescriptif des évolutions pour TPE de moins de 50 salariésPoint sur le plan de partage de valorisation de l’entrepriseNouvelle obligation = nouvelle charge donc faites le bon choix  
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Affiche du document The Richest Man in Babylon. Illustrated

The Richest Man in Babylon. Illustrated

George S. Clason

1h06min00

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88 pages. Temps de lecture estimé 1h06min.
George S. Clason’s The Richest Man in Babylon is a timeless classic that offers practical wisdom and financial principles wrapped in engaging parables set in ancient Babylon. Through its captivating storytelling, the book provides invaluable lessons on wealth creation, financial independence, and prudent money management that remain relevant in modern times. The narrative unfolds in the prosperous city of Babylon, where readers encounter Arkad, the titular "richest man," who shares his secrets for building and preserving wealth. From the "Seven Cures for a Lean Purse" to the "Five Laws of Gold," each parable is rich with practical advice that is simple to understand and easy to apply. This illustrated edition brings the wisdom of Clason’s teachings to life with beautiful artwork that enhances the reader's journey into the ancient world. The vibrant illustrations not only immerse readers in the grandeur of Babylon but also clarify the principles of frugality, wise investment, and financial discipline. Whether you are looking to save for the future, eliminate debt, or grow your wealth, this book provides a solid foundation of financial literacy and timeless advice. A must-read for anyone seeking prosperity and a deeper understanding of personal finance, The Richest Man in Babylon inspires readers to take control of their financial destiny with clarity and confidence.
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Affiche du document Beyond Wealth

Beyond Wealth

Fernandes John

3h49min30

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306 pages. Temps de lecture estimé 3h49min.
Beyond Wealth: The True Essence of Life” takes readers on an introspective journey through the complexities of modern existence, where the pursuit of wealth often overshadows the more profound aspects of living. In a world where technology and media constantly redefine success and happiness, this book challenges us to reconsider our priorities and the true meaning of life. Through a series of thought-provoking narratives and reflections, the book delves into the often-overlooked aspects of our existence. It highlights the importance of self-reflection, healing, and the intrinsic value of human connections over material possessions. Readers are invited to explore the dichotomy between the relentless chase for financial success and the simple yet profound joys of life that are found in relationships, shared experiences, and the beauty of nature. The stories woven throughout the book depict both the affluent and the impoverished, illustrating the emptiness that can accompany material wealth and the richness of spirit that can flourish even in the most challenging circumstances. Through these narratives, the book offers a call to action: to break free from the chains of materialism and embrace a life of purpose, compassion, and genuine fulfillment. “Beyond Wealth: The True Essence of Life” is not just a critique of modern society’s obsession with money but a guide to rediscovering the wealth that lies within each of us. It is a testament to the resilience of the human spirit and a reminder that true wealth is measured not in currency but in the depth of our relationships and the richness of our experiences. This book is a beacon of hope, urging readers to pause, reflect, and embark on a journey towards a more meaningful and enriched life.
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Affiche du document Seven Things  Beginners Should  Know About  Investing in Cryptocurrency

Seven Things Beginners Should Know About Investing in Cryptocurrency

Alex Fisher

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Is Digital Currency the Future of Finance or the Snake Oil of the 21st Century?You’ve heard about it but you don’t really understand it. Is it something you should ignore or pay attention to? You have heard of people using Crypto Currency as an investment like stocks or real estate, but you have also heard people say they lost money. Alex Fisher has been a private investor for years and has been very successful. To the point where he quit his job and, as he puts it, “Just trades and plays.” That last comment is typical of the casual yet precisely informative style of this engaging book.1. Learn what digital currency is and why we all use some form of it already.2. Did you know there are thousands and thousands of Crypto Currency ATMs across America?3. Exactly what are Cryptocurrency “Miners” mining and how does that affect you?4. How to decide if you should invest – is this something that is right for you?5. How to start investing6. What’s a “Wallet” and is it “Hot,” “Cold,” “Centralized” or “Decentralized”? 7. Is it true you can just lose everything?8. How to make an investment plan/strategy.9. What effect do the recent bankruptcies of FTX and other exchange giants really have on the market?Even if you are afraid of the entire topic of Cryptocurrency you should read this book. The down-to-earth, conversational style makes understanding easy. Even if you never decide to invest, you will be able to join in conversations with friends and family the next time it comes up. Once computers were considered something that only highly technical people could understand and now we all carry around Smart Phones. Like the internet, Cryptocurrency is here to stay.
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Affiche du document Parents solos, héros du cash flow : Comment élever une famille prospère sans partenaire

Parents solos, héros du cash flow : Comment élever une famille prospère sans partenaire

Maude Gauthier Gauthier

39min45

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53 pages. Temps de lecture estimé 40min.
Élever un enfant seul.e et acquérir une propriété, est-ce vraiment possible? Assumer en solo tous les coûts d’une famille et se ménager un coussin d’épargne chaque mois, peut-on seulement en rêver? Parents solos, héros du cash flow explore en détail quatre grandes questions financières des familles monoparentales : l’achat d’une maison, la gestion du crédit et le budget, l’investissement et les avantages fiscaux que peut offrir le gouvernement. Elle-même mère soloparentale, Maude Gauthier démontre, avis d’experts et témoignages à l’appui, que le rôle de parent unique ne nous condamne pas à « survivre d’un chèque de paie à l’autre ». Parfois, on peut même prospérer.Si vous avez du mal à déterminer le scénario le plus payant pour vous, essayez le calculateur en ligne « Propriété : est-il préférable d’acheter ou de louer? » de l’Autorité des marchés financiers (AMF). Il permet de comparer l’achat et la location en fonction du prix d’achat (ou du loyer), de la mise de fonds, du taux d’intérêt, des taxes, de l’augmentation de la valeur avec le temps, des frais d’entretien et d’autres coûts. Bien entendu, il faut faire un peu de recherches pour avoir une idée réaliste des chiffres à inscrire. Le calculateur vous donnera un résultat (acheter ou louer), en plus de générer un tableau et un graphique pour illustrer le gain ou la perte financière. Il faut aussi savoir que, si le résultat est « louer », il est tout indiqué d’investir la différence. Sinon, ça devient totalement désavantageux! Une propriété, c’est de l’épargne forcée. C’est une des raisons pour lesquelles je suis en faveur de l’achat.
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Affiche du document Fast Track to Ownership

Fast Track to Ownership

KYALA WILLIAMS

1h09min00

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92 pages. Temps de lecture estimé 1h09min.
Embark on a Journey to Financial Freedom: Elevate Your Credit Score in Just 90 DaysImagine unlocking the door to your financial dreams with a higher credit score. Fast Track to Ownership: Boost Your Credit in 3 Months is your comprehensive guide to understanding and enhancing your credit in ways you never thought possible. This book is not just a resource; it's a roadmap to financial independence, designed to empower you with the knowledge and tools to take charge of your credit.Begin your journey by diving deep into the fundamentals of credit. Learn the inner workings of credit scores, the pivotal role they play in your financial life, and the difference between FICO and VantageScore. With exclusive insights into the agencies that monitor your credit, you'll gain a newfound understanding of what lies beneath your credit report.But knowledge alone isn't power–action is. Analyze your current credit situation with precision, identify inaccuracies, and set realistic goals. Transform how you view and manage your debt, employing strategies such as the snowball and avalanche methods, to not only repair but also skyrocket your credit score. Discover the secret techniques of credit building, from the strategic use of secured credit cards to the advantages of installing loans, and learn how your credit utilization ratio can dramatically alter your credit landscape.Confront collections and navigate bankruptcy with confidence, understanding their repercussions and learning strategic ways to rebound. Moreover, arm yourself against identity theft and fraud through effective credit monitoring and protection strategies.But this book doesn't stop at repair. It guides you through advanced strategies for continuous improvement and protection of your score, ensuring you're always at the top of your financial game. From understanding how lenders view your creditworthiness to leveraging peer-to-peer lending, Fast Track to Ownership prepares you for future financial success.By the end of this book, you won't just have repaired your credit; you'll have taken ownership of your financial future. Boost your credit, boost your life. Start your transformation today and experience the freedom and opportunities that come with a stellar credit score.
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Affiche du document Cryptocurrency Uncovered

Cryptocurrency Uncovered

Nathan Venture. D

1h15min45

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101 pages. Temps de lecture estimé 1h16min.
Embark on the Ultimate Journey Through the Cryptocurrency RevolutionImagine standing on the precipice of a financial revolution, a landscape brimming with opportunities akin to the legendary gold rushes of yesteryear. "Cryptocurrency Uncovered: Your Guide Through the Digital Gold Rush" is your essential compass through this exhilarating and sometimes mystifying terrain, carefully crafted to guide novices and seasoned investors alike through the world of digital currencies.Upon this journey, you'll uncover the origins and evolution of cryptocurrency, exploring the seismic shift from traditional financial systems to the digital marketplace. Step by step, you'll unlock the secrets behind blockchain technology, a groundbreaking innovation upon which cryptocurrencies build their secure and transparent foundations.Dive deep into the complexities of Bitcoin, Ethereum, and an array of alternative coins that are reshaping the notion of money and investments. With each chapter designed to incrementally build your confidence and expertise, this book transforms the seemingly intricate world of digital currency into an approachable and empowering experience.But it's not just about understanding–this guide navigates you through the practicalities too. From setting up a digital wallet to making astute choices in the maze of trading platforms, you'll take your first foray into cryptocurrency transactions armed with the knowledge to do so securely and sagely.Gain an investor's acumen, dissect market trends, perfect your portfolio, and learn to harvest your own digital gold through the fascinating world of crypto mining. There's no stone left unturned as this book also addresses the all-important aspects of security, regulatory compliance, and the emerging trends that will shape the future of this digital rush.As you turn the final page of "Cryptocurrency Uncovered," you'll not only have grasped the intricacies of blockchain and cryptocurrency, but you'll also be ready to make your mark in the increasingly decentralized financial world that awaits. Are you ready to join the digital gold rush? Your guide awaits.
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Affiche du document La retraite des salariés du secteur privé

La retraite des salariés du secteur privé

Youssef Ghanim

1h53min15

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151 pages. Temps de lecture estimé 1h53min.
Notre système de retraite, régulièrement réformé, est particulièrement complexe : pas moins de 42 régimes existent aujourd’hui !La retraite, longtemps espérée, souvent désirée, parfois incomprise…Quelle est ma date de départ à la retraite ? Combien vais-je percevoir ? Suis-je éligible à une carrière longue ? Ai-je droit au minimum vieillesse ? Quelles sont les démarches nécessaires pour déposer mon dossier ? …Opérationnel et illustré de cas concrets, ce guide répond à ces trois questions principales : quand, comment, combien ?Il présente avec clarté toutes les subtilités de la réglementation en vigueur, pour vous aider à effectuer les meilleurs choix de carrière et à préparer activement votre retraite.Il permettra également aux professionnels des ressources humaines d’avoir une vision précise du système de retraite du secteur privé afin de répondre aux questions des salariés et de les accompagner dans leurs démarches. Le calcul de la pension de retraiteLa retraite du régime généralLa création du régime généralLa formule de calculLe salaire annuel moyenLes trimestres et la durée d’assuranceLe taux et la durée de référencePrise en compte des périodes travaillées à l’étrangerLes prestations minimalesLes majorations de pensionLes départs anticipésLes départs pour carrières longuesLa retraite au titre du handicapLa retraite pour incapacité permanenteLa retraite au titre du C2PLa retraite pour inaptitudeLa retraite au titre de l’exposition professionnelle à l’amiante.La retraite du régime complémentaireFonctionnementCotisation et acquisition de points avant le 01/01/2019Cotisation et acquisition de points après le 01/01/2019Impact de la maladie, invalidité, chômage sur la retraite complémentaireRègle spécifique à l’IrcantecLe calcul de la pensionLes majorations de pensionsLes rachats de trimestresDéfinitionIntérêt du rachatLe rachat auprès du régime général (études supérieures et années incomplètes)Les types de rachats (taux ou durée d’assurance)Les rachats de périodes de stage et d’apprentissageLes autres versements volontaires de cotisations possiblesLa transition emploi-retraiteLa retraite progressiveLa rupture conventionnelle et le chômage avant la retraiteAutres modalités de séparation avec son employeur.Le cumul emploi-retraiteLes démarches pour sa retraiteLes délaisLe paiement des pensions et les pensions de réversionLe paiement de la pensionLes prélèvements sociaux sur ma pension et sa revalorisationLa contestation et les voies de recoursL’imposition de la prime de départLa pension retraite et après ?La revalorisation des pensionsLa pension de réversionNote sur la réforme en cours
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Affiche du document Paradox of Continental Production

Paradox of Continental Production

Barbara Jenkins

3h09min00

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252 pages. Temps de lecture estimé 3h09min.
Should national governments regulate foreign investment? The question is hotly contested in today's international trade debates. Barbara Jenkins here addresses this complex issue in a timely account of market relationships among North American nations.Jenkins provides up-to-date, detailed analyses of foreign investment regulations and policies in Canada, Mexico, and the United States. She identifies inherent contradictions in the general tactic that all three countries have pursued-simply relying on the pressures of the market rather than planning active strategy-and she assesses the likely effects on foreign investment of the recently concluded Canada-U.S. Free Trade Agreement and the potential North American free trade agreement. Free trade and the absence of adjustment policy, she argues, expose key political actors such as business and labor too broadly to market forces. The result is a projectionist reaction on the part of these domestic actors, which ultimately defeats efforts to liberalize trade and investment relations.In current approaches to foreign investment regulation, Jenkins detects divergent trends among the three countries: while Ottawa and Mexico City continue to liberalize their investment strategies, Washington is growing more interventionist. She shows, however, that the interventionism of the United States reflects a nationalistic trend rather than a commitment to a coherent strategy. Cautioning that the conclusion of a North American free trade agreement will only exacerbate the inadequacies of current policies, Jenkins concludes by offering recommendations for future action.The Paradox of Continental Production will be stimulating reading for policymakers, political economists, and other observers of Canadian, Mexican, and U.S. politics.
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Affiche du document Investing in Financial Research

Investing in Financial Research

Strauss Einhorn Cheryl

1h39min45

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133 pages. Temps de lecture estimé 1h40min.
Finalist in the Business/Personal Finance category of the 2019 International Book AwardsEvery day, people around the world make financial decisions. They choose to invest in a stock, sell their holdings in a mutual fund or buy a condominium. These decisions are complex and financially tricky—even for financial professionals. But the literature available on financial research is dated and narrowly focused without any real practical application. Until now there''s been a gap in the literature: a book that shows you how to conduct a step by step comprehensive financial investigation that ends in a decision.This book gives you that how.Investing in Financial Research is a guidebook for conducting financial investigations and lays out Cheryl Strauss Einhorn''s AREA Method—a research and decision-making system that uniquely controls for bias, focuses on the incentives of others and expands knowledge while improving judgement—and applies it to investigating financial situations. AREA is applicable to all sorts of financial sleuthing, whether for investment analysis or investigative journalism. It allows you to be the expert in your own life.The AREA Method provides you with:*Defined tasks that guide and focus your research on your vision of success;*A structure that isolates your sources, giving you insight into their perspectives, biases and incentives;*Investigative resources, tips and techniques to upgrade your research and analysis beyond document-based sources;*Exercises to foster creativity and originality in your thinking;*A sequence and framework that brings your disparate pieces of research together to build your confidence and conviction about your financial decision.
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Affiche du document Investing in Financial Research

Investing in Financial Research

Strauss Einhorn Cheryl

3h06min45

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249 pages. Temps de lecture estimé 3h7min.
Finalist in the Business/Personal Finance category of the 2019 International Book AwardsEvery day, people around the world make financial decisions. They choose to invest in a stock, sell their holdings in a mutual fund or buy a condominium. These decisions are complex and financially tricky-even for financial professionals. But the literature available on financial research is dated and narrowly focused without any real practical application. Until now there's been a gap in the literature: a book that shows you how to conduct a step by step comprehensive financial investigation that ends in a decision.This book gives you that how.Investing in Financial Research is a guidebook for conducting financial investigations and lays out Cheryl Strauss Einhorn's AREA Method-a research and decision-making system that uniquely controls for bias, focuses on the incentives of others and expands knowledge while improving judgement-and applies it to investigating financial situations. AREA is applicable to all sorts of financial sleuthing, whether for investment analysis or investigative journalism. It allows you to be the expert in your own life.The AREA Method provides you with:*Defined tasks that guide and focus your research on your vision of success;*A structure that isolates your sources, giving you insight into their perspectives, biases and incentives;*Investigative resources, tips and techniques to upgrade your research and analysis beyond document-based sources;*Exercises to foster creativity and originality in your thinking;*A sequence and framework that brings your disparate pieces of research together to build your confidence and conviction about your financial decision.
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Affiche du document New Masters of Capital

New Masters of Capital

J. Sinclair Timothy

2h33min00

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204 pages. Temps de lecture estimé 2h33min.
In The New Masters of Capital, Timothy J. Sinclair examines a key aspect of the global economy-the rating agencies. In the global economy, trust is formalized in the daily operations of such firms as Moody's and Standard & Poor's, which continuously monitor the financial health of bond-issuers ranging from private corporations to local and national governments. Their judgments affect unimaginably large sums, approximately $30 trillion in outstanding debt issues, according to a recent Moody's estimate. The difference between an AA and a BB rating may cost millions of dollars in interest payments or determine if a corporation or government can even issue bondsWithout bond rating agencies, there would be no standard means to compare risks in the global economy, and international investment would be problematic. Most observers assume that the agencies are neutral and scientific, and that they interpret their role in narrowly economic terms. But these agencies, by their nature, wield extraordinary power and exert massive influence over public policy. Sinclair offers a highly accessible account of these institutions, their origins, and the rating processes they use to judge creditworthiness. Illustrated with a wide range of cases, this book offers a fresh assessment of the role of an often-overlooked institution in the dynamics of modern global capitalism.
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