Автор: Roland Pfau, Markus Steinbach, Annika Herrmann Название: A Matter of Complexity: Subordination in Sign Languages ISBN: 1501511335 ISBN-13(EAN): 9781501511332 Издательство: Walter de Gruyter Цена: 18586.00 р. Наличие на складе: Есть у поставщика Поставка под заказ.
Описание: Since natural languages exist in two different modalities – the visual-gestural modality of sign languages and the auditory-oral modality of spoken languages – it is obvious that all fields of research in modern linguistics will benefit from research on sign languages. Although previous studies have provided important insights into a wide range of phenomena of sign languages, there are still many aspects of sign languages that have not yet been investigated thoroughly. The structure of subordinated clauses is a case in point. The study of these complex syntactic structures in the visual-gestural modality adds to our understanding of linguistic variation in the domain of subordination. Moreover, it offers new empirical and theoretical evidence concerning possible structures and functions of subordination in natural languages. And last but not least, it answers the question to what extent the corresponding morphosyntactic and prosodic strategies depend on the modality of articulation and perception. This volume represents the first collection of papers by leading experts in the field investigating topics that go beyond the analysis of simple clauses. It thus contributes in innovative ways to recent debates about syntax, prosody, semantics, discourse structure, and information structure and their complex interrelation.
Автор: Pfau, Ruth Название: Last word is love ISBN: 0824523695 ISBN-13(EAN): 9780824523695 Издательство: Неизвестно Рейтинг: Цена: 3166.00 р. Наличие на складе: Есть у поставщика Поставка под заказ.
Описание: From Karachi to Islamabad, Dr. Pfau fights to heal leprosy, criss-crosses wild mountain ranges, operates in 100 degrees, and risks friendship where the world drops bombs.
Описание: This book analyses the collaboration between local communities and greater authorities in medieval France which grants us unusual insight into the period`s concept of madness.
Two fundamentally different philosophies for retirement income planning, which I call probability-based and safety-first, diverge on the critical issue of where a retirement plan is best served: in the risk/reward trade-offs of a diversified and aggressive investment portfolio that relies primarily on the stock market, or in the contractual protections of insurance products that integrate the power of risk pooling and actuarial science alongside investments.
The probability-based approach is generally better understood by the public. It advocates using an aggressive investment portfolio with a large allocation to stocks to meet retirement goals. My earlier book How Much Can I Spend in Retirement? A Guide to Investment-Based Retirement Strategies provides an extensive investigation of probability-based approaches. But this investments-only attitude is not the optimal way to build a retirement income plan.
There are pitfalls in retirement that we are less familiar with during the accumulation years. The nature of risk changes. Longevity risk is the possibility of living longer than planned, which could mean not having resources to maintain the retiree's standard of living. And once retirement distributions begin, market downturns in the early years can disproportionately harm retirement sustainability. This is sequence-of-returns risk, and it acts to amplify the impacts of market volatility in retirement. Traditional wealth management is not equipped to handle these new risks in a fulfilling way. More assets are required to cover spending goals over a possibly costly retirement triggered by a long life and poor market returns. And yet, there is no assurance that assets will be sufficient. For retirees who are worried about outliving their wealth, probability-based strategies can become excessively conservative and stressful.
This book focuses on the other option: safety-first retirement planning. Safety-first advocates support a more bifurcated approach to building retirement income plans that integrates insurance with investments, providing lifetime income protections to cover spending. With risk pooling through insurance, retirees effectively pay an insurance premium that will provide a benefit to support spending in otherwise costly retirements that could deplete an unprotected investment portfolio.
Insurance companies can pool sequence and longevity risks across a large base of retirees, much like a traditional defined-benefit company pension plan or Social Security, allowing for retirement spending that is more closely aligned with averages. When bonds are replaced with insurance-based risk pooling assets, retirees can improve the odds of meeting their spending goals while also supporting more legacy at the end of life, especially in the event of a longer-than-average retirement.
We walk through this thought process and logic in steps, investigating three basic ways to fund a retirement spending goal: with bonds, with a diversified investment portfolio, and with risk pooling through annuities and life insurance. We consider the potential role for different types of annuities including simple income annuities, variable annuities, and fixed index annuities. I explain how different annuities work and how readers can evaluate them. We also examine the potential for whole life insurance to contribute to a retirement income plan.
When we properly consider the range of risks introduced after retirement, I conclude that the integrated strategies preferred by safety-first advocates support more efficient retirement outcomes. Safety-first retirement planning helps to meet financial goals with less worry. This book explains how to evaluate different insurance options and implement these solutions into an integrated retirement plan.
Автор: Asli Goksel, Jana Hosemann, Roland Pfau Название: Our Lives – Our Stories: Life Experiences of Elderly Deaf People ISBN: 3111104621 ISBN-13(EAN): 9783111104621 Издательство: Walter de Gruyter Рейтинг: Цена: 4640.00 р. Наличие на складе: Есть у поставщика Поставка под заказ.
Описание:
Sign languages are non-written languages. Given that the use of digital media and video recordings in documenting sign languages started only some 30 years ago, the life stories of Deaf elderly signers born in the 1930s-1940s have – except for a few scattered fragments in film – not been documented and are therefore under serious threat of being lost. The chapters compiled in this volume document important aspects of past and present experiences of elderly Deaf signers across Europe, as well as in Israel and the United States. Issues addressed include (i) historical events and how they were experienced by Deaf people, (ii) issues of identity and independence, (iii) aspects of language change, (iv) experiences of suppression and discrimination. The stories shared by elderly signers reveal intriguing, yet hidden, aspects of Deaf life. On the negative side, these include experiences of the Deaf in Nazi Germany and occupied countries and harsh practices in educational settings, to name a few. On the positive side, there are stories of resilience and vivid memories of school years and social and professional life. In this way, the volume contributes in a significant way to the preservation of the cultural and linguistic heritage of Deaf communities and sheds light on lesser known aspects against an otherwise familiar background.
This publication has been made possible within the SIGN-HUB project, which has received funding from the European Union’s Horizon 2020 research and innovation programme.
Автор: Wade Pfau, Pfau Название: Retirement planning guidebook: navigatin ISBN: 194564009X ISBN-13(EAN): 9781945640094 Издательство: Неизвестно Рейтинг: Цена: 4131.00 р. Наличие на складе: Нет в наличии.
Описание:
The Retirement Planning Guidebook helps you navigate through the important decisions to prepare for your best retirement. You will have the detailed knowledge and understanding to make smart retirement decisions:
- Understand your personal retirement income style, which can then help you navigate through the conflicting opinions about retirement strategies to choose your right path.
- Learn about investment and insurance tools that may best resonate with your personal style.
- Determine if you are financially prepared for retirement by quantifying your financial goals (annual spending, legacy, and reserves for the unexpected) and comparing them to your available assets.
- Make smart decisions for when to start Social Security benefits, which could potentially support an additional $100,000 or more of lifetime income from Social Security.
- Develop a plan for making the best initial and ongoing choices from the alphabet soup of Medicare options, as well as how to find health coverage if you retire before Medicare eligibility.
- Assess where you wish to live in retirement and whether there are helpful ways to incorporate housing wealth into your retirement strategy.
- Decide how to manage your long-term care risk between self-funding, Medicaid, or private insurance, and take steps to support living at home for as long as possible.
- Understand how to manage your taxes to pay less, to avoid common pitfalls, and to have more for your lifetime and your legacy. You will be able to apply tax diversification, asset location, tax bracket management, and Roth conversions to enhance the sustainability of your retirement assets.
- Get your finances organized and understand how to get your estate and incapacity planning documents in order, including your will, account titling, beneficiary designations, financial power of attorney, and advance health care directives.
- Identify whether there is a role for trusts in your estate plan for reasons related to avoiding probate, controlling how and when assets are disbursed, obtaining creditor protections, or helping to manage estate taxes.
- Prepare for the non-financial aspects of retirement, including the need to find purpose and passion, to understand if there is a role for work in retirement, to enhance relationships and social connections, and to maintain an active and healthy lifestyle.
Retirement has an entire vocabulary associated with it. We'll demystify the 4% rule, sequence-of-return risk, time segmentation and buckets, reverse mortgages, income annuities, variable annuities, fixed index annuities, long-term care insurance, living trusts, irrevocable trusts, budgeting, the funded ratio, Medicare Advantage, Medicare supplements, diversified investment portfolios, Roth conversions, the hazards of the Social Security tax torpedo and increased Medicare premiums, buffer assets, 401(k) plans and IRAs, the rollover decision, distribution options for defined-benefit company pensions, required minimum distributions, qualified charitable distributions, aging in place, cognitive decline, and so much more.
The Retirement Planning Guidebook does not let important matters fall through the cracks. This is a comprehensive look at the key retirement decisions to achieve financial and non-financial success. You will have the foundation to make the most of your retirement years, and I hope you'll be able to do something great!
Автор: Asli Goksel, Jana Hosemann, Roland Pfau Название: Our Lives – Our Stories: Life Experiences of Elderly Deaf People ISBN: 3110702010 ISBN-13(EAN): 9783110702019 Издательство: Walter de Gruyter Рейтинг: Цена: 19144.00 р. Наличие на складе: Нет в наличии.
Описание:
Sign languages are non-written languages. Given that the use of digital media and video recordings in documenting sign languages started only some 30 years ago, the life stories of Deaf elderly signers born in the 1930s-1940s have – except for a few scattered fragments in film – not been documented and are therefore under serious threat of being lost. The chapters compiled in this volume document important aspects of past and present experiences of elderly Deaf signers across Europe, as well as in Israel and the United States. Issues addressed include (i) historical events and how they were experienced by Deaf people, (ii) issues of identity and independence, (iii) aspects of language change, (iv) experiences of suppression and discrimination. The stories shared by elderly signers reveal intriguing, yet hidden, aspects of Deaf life. On the negative side, these include experiences of the Deaf in Nazi Germany and occupied countries and harsh practices in educational settings, to name a few. On the positive side, there are stories of resilience and vivid memories of school years and social and professional life. In this way, the volume contributes in a significant way to the preservation of the cultural and linguistic heritage of Deaf communities and sheds light on lesser known aspects against an otherwise familiar background.
This publication has been made possible within the SIGN-HUB project, which has received funding from the European Union’s Horizon 2020 research and innovation programme.
Автор: Pfautsch George E. Название: The Magnificent Immeasurable Kingdom of God the Father ISBN: 1728319722 ISBN-13(EAN): 9781728319728 Издательство: Неизвестно Рейтинг: Цена: 1895.00 р. Наличие на складе: Есть у поставщика Поставка под заказ.
Автор: Pfautsch George E. Название: The Miracle of the Eucharist ISBN: 1546234462 ISBN-13(EAN): 9781546234463 Издательство: Неизвестно Рейтинг: Цена: 1895.00 р. Наличие на складе: Есть у поставщика Поставка под заказ.
Описание: How much can you spend in retirement? Naturally, this is an essential question for those approaching this important life transition. Essentially, if you wish to retire one day, you are increasingly responsible for figuring out how to save during your working years and convert your savings into sustainable income for an ever-lengthening number of retirement years. The nature of risk also changes in retirement, as the lifestyle of retirees become more vulnerable to the impacts of market volatility, unknown longevity, and spending shocks. Retirees have one opportunity to build a successful plan. It is not an easy task, but it is manageable. This book focuses on sustainable spending from investments, which is an important piece of any retirement plan. People want to know if they have saved enough to be able to fund their lifestyle in retirement. In this book, I explain the findings of a large body of financial planning research regarding sustainable spending from investment portfolios in the face of a variety of retirement risks. That body of research tends to begin with the 4 percent rule of thumb for retirement spending. I explain how and why it was developed, what it means, and when it may or may not be appropriate for retirees. William Bengen's 1994 study gave us the concept of the SAFEMAX, which is the highest sustainable spending rate from the worst-case scenario observed in the US historical data. The Trinity study added portfolio success rates from the historical data for different spending strategies. Both studies suggest that for a thirty-year retirement period, a 4 percent inflation-adjusted withdrawal rate using a 50-75 percent stock allocation should be reasonably safe. I have reservations about the 4 percent rule. It may be too aggressive for current retirees for reasons including increasing longevity, historically low interest rates coupled with higher than average stock market valuations, the impact of the international experience with the 4 percent rule casting a different light than 20th century US historical data, the need to maintain a rather aggressive asset allocation to have the best shot at success, and because the 4 percent rule assumes that investors do not pay any fees or otherwise underperform the underlying market indices. However, other factors suggest that sustainable spending may be even higher than traditional studies imply. Reasons for this include that actual retirees may tend to reduce their spending with age, that they build more diversified portfolios than used in the basic research studies, that real-world retirees may be willing to adjust spending for realized portfolio performance, and that some retirees may have the capacity and tolerance to accept higher portfolio failure probabilities because they have other sources of income from outside their portfolios. Related to these points, I also analyze nine variable spending strategies for retirees as well as the use of strategies that support short-term spending needs with individual bonds and longer-term spending needs with stocks. Retirees need to weigh the consequences between spending too little and spending too much-that is, being too frugal or running out of assets. This book is about implementing what I call the "probability-based" school of thought for retirement planning. It is especially relevant for people who plan to fund their retirements using an investment portfolio and those who are hesitant about using income annuities or other insurance products. I will explore annuities and insurance more extensively in later volumes since I do believe in the value of risk pooling as an additional source of returns to more efficiently meet retirement spending goals. But for now, we have plenty to discuss within the world of sustainable spending from an investment portfolio in retirement. The book concludes with a discussion about how to put these ideas together into a retirement spending plan.
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