save more tomorrow

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Save More Tomorrow

Author : Shlomo Benartzi
ISBN : 9781101580332
Genre : Business & Economics
File Size : 35. 74 MB
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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.

Save More Tomorrow

Author : Shlomo Benartzi
ISBN : 1591844843
Genre : Business & Economics
File Size : 22. 65 MB
Format : PDF, Kindle
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Leverages the relatively new field of behavioral finance to help financial planners and employers encourage people to make the best decisions about their 401(K) plans.

Nudge

Author : Cass R Sunstein
ISBN : 9780141976105
Genre : Business & Economics
File Size : 70. 87 MB
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Every day we make decisions: about the things that we buy or the meals we eat; about the investments we make or our children's health and education; even the causes that we champion or the planet itself. Unfortunately, we often choose poorly. We are all susceptible to biases that can lead us to make bad decisions that make us poorer, less healthy and less happy. And, as Thaler and Sunstein show, no choice is ever presented to us in a neutral way. By knowing how people think, we can make it easier for them to choose what is best for them, their families and society. Using dozens of eye-opening examples the authors demonstrate how to nudge us in the right directions, without restricting our freedom of choice. Nudge offers a unique new way of looking at the world for individuals and governments alike. This is one of the most engaging, provocative and important books you will ever read.

The Smarter Screen

Author : Shlomo Benartzi
ISBN : 9780698194304
Genre : Business & Economics
File Size : 46. 93 MB
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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. From the Hardcover edition.

Misbehaving The Making Of Behavioral Economics

Author : Richard H. Thaler
ISBN : 9780393246773
Genre : Business & Economics
File Size : 35. 91 MB
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Get ready to change the way you think about economics. 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

No More Tomorrows

Author : Kathryn Bonella
ISBN : 9781907195563
Genre : Biography & Autobiography
File Size : 39. 55 MB
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It was meant to be a two-week holiday to celebrate her sister's birthday, but for Schapelle Corby it ended up a waking nightmare. Arrested at Denpasar airport after marijuana was found in her luggage, she became the victim of every traveller's darkest fear. Over four kilograms of drugs had been planted in her bag after she'd checked it in and she was forced to face the consequences of someone else's crime in a country where the penalties for drug smuggling are among the harshest in the world. Her trial and conviction became one of the biggest news stories of the decade and her family watched in horror as she was sentenced to 20 years in jail. Yet despite the huge media coverage, the one voice the public never properly heard was Schapelle's. Now, in this compelling book, she tells her own story: of being wrenched from a carefree holiday and incarcerated in a stinking police cell and of learning to survive - in the squalor, discomfort and violence of an Indonesian jail. It is an account like no other and will be one of the most unforgettable books you'll ever read.

Money Master The Game

Author : Tony Robbins
ISBN : 9781476757872
Genre : Self-Help
File Size : 83. 75 MB
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In his first book in two decades, Anthony Robbins turns to the topic that vexes us all: How to secure financial freedom for ourselves and for our families. “If there were a Pulitzer Prize for investment books, this one would win, hands down” (Forbes.com). Tony Robbins is one of the most revered writers and thinkers of our time. People from all over the world—from the disadvantaged to the well-heeled, from twenty-somethings to retirees—credit him for giving them the inspiration and the tools for transforming their lives. From diet and fitness, to business and leadership, to relationships and self-respect, Tony Robbins’s books have changed people in profound and lasting ways. Now, for the first time, he has assembled an invaluable “distillation of just about every good personal finance idea of the last forty years” (The New York Times). Based on extensive research and interviews with some of the most legendary investors at work today (John Bogle, Warren Buffett, Paul Tudor Jones, Ray Dalio, Carl Icahn, and many others), Tony Robbins has created a 7-step blueprint for securing financial freedom. With advice about taking control of your financial decisions, to setting up a savings and investing plan, to destroying myths about what it takes to save and invest, to setting up a “lifetime income plan,” the book brims with advice and practices for making the financial game not only winnable—but providing financial freedom for the rest of your life. “Put MONEY on your short list of new books to read…It’s that good” (Marketwatch.com).

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