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But What If I Live? The American Retirement Crisis

Author : Gregory Brandon Salsbury
ISBN : CORNELL:31924105229987
Genre : Business & Economics
File Size : 74. 2 MB
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This book is dramatic wake-up call for a generation of overspent and under-saved Americans who face the very real possibility of outliving their money. Yesterdays retirees were supported by guaranteed income sources. Today, baby boomers are looking at a very different picture, one where they are increasingly responsible for generating their retirement income from personal savings while facing a longer life expectancy and astounding leaps in expenses. Key Selling Points: explores the seven key challenges that stand between baby boomers and a successful retirement; helps baby boomers recognize and address the key challenges to retirement; guides baby boomers to better plan for the income they will need so they can achieve the retirement they deserve.

Is There A Retirement Crisis? An Exploration Of The Current Debate

Author : George A. (Sandy) Mackenzie
ISBN : 9781952927010
Genre : Business & Economics
File Size : 49. 29 MB
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Many quantitative empirical studies of retirement preparedness find that a substantial number of US households face a potential financial crisis at some point in the future. This monograph provides a critical survey of the most important and best-known of these studies, and it also examines the prospects for other countries. Studies of retirement preparedness vary in complexity and sophistication, and as a result, researchers offer a wide range of forecasts, with some warning of a severe crisis and others being more skeptical about the likely scale of the problem. This monograph appraises the quality of surveyed studies by determining how well each deals with key conceptual issues and how adequately each addresses principal risks. Going beyond the circumstances in the United States, the monograph also provides international perspective by comparing the “macro” and institutional aspects of pension and health systems in a group of eight industrialized countries, including the United States.

While America Aged

Author : Roger Lowenstein
ISBN : 9781440639401
Genre : Business & Economics
File Size : 31. 79 MB
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The retirement crisis facing America-and the road map for a way out-from The New York Times bestselling author of Origins of the Crash In the last several decades, corporations and local governments made ruinous pension and healthcare promises to American workers. With these now coming due, they threaten to destroy twenty-first- century America's hopes for a comfortable retirement. With his trademark narrative panache, bestselling author Roger Lowenstein analyzes three fascinating case studies-General Motors, the New York City subway system, and the city of San Diego-each an object lesson and a compelling historical saga that illuminates how the pension crisis developed. Cumulative retirement deficits are approaching $1 trillion, and Lowenstein warns that these are only the first. Retirement pensions will continue to be a critical issue as the country ages, and While America Aged is the urgent call to action and prescription for reform.

Rural Retirement Centers

Author : J. Matthew Fannin
ISBN : UIUC:30112046881949
Genre : Life care communities
File Size : 25. 70 MB
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American Dreams

Author : Marco Rubio
ISBN : 9780698176362
Genre : Political Science
File Size : 20. 15 MB
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In 1956, Marco Rubio’s parents came to America as poor immigrants with grade-school educations. They found a land of opportunity where anyone could work hard, play by the rules, and build a better future for themselves and their children. His family proved the reality of the American Dream, where the children of maids and bartenders could become doctors, lawyers, small business owners, and maybe even a U.S. senator. But now the American Dream is on life support. Years of government-centered, tax-and-spend liberalism have failed to lift the poor or sustain the middle class. Millions of everyday Americans have been left behind by an economy that doesn’t value their skills and a government that would rather give them a handout than a hand up. In this follow-up to his bestselling memoir, An American Son, Senator Rubio offers a road map for restoring the land of opportunity. He explains why we now stand at a critical junction and why the next few years will determine the future for our children and grandchildren. He shares his plan for scaling back the nanny state, helping families save for college and retirement, and making it easier for small businesses to create millions of good jobs. Above all, he urges us to return to the values and can-do spirit that made our country exceptional in the first place.

Meeting America S Economic Crisis

Author :
ISBN : UCAL:B3191835
Genre : Government spending policy
File Size : 73. 20 MB
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Author : Gregory Salsbury
ISBN : 9780137065943
Genre : Business & Economics
File Size : 55. 63 MB
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Bonus content "What's Your Retirementology I.Q.?" included in this digital edition. Looking ahead to retirement? Depending on your circumstances and your age, you may no longer have any margin for error. And your emotions and irrational behavior could be perpetuating a dangerous cycle of overspending and rising debt that may shatter whatever vision of retirement you still have. Welcome to the world of Retirementology. Retirementology bridges retirement planning with investor psychology and the market Meltdown of 2008 to produce an entirely new way of thinking about how we spend, how we save, how we borrow, and how we invest. Financial mistakes are deeply rooted in human nature, but you may be able to overcome them--if you understand the breakthrough principles of behavioral economics and apply them in your own retirement planning. Dr. Gregory Salsbury identifies some of the classic cognitive biases and behavioral mistakes most of us keep making when it comes to retirement planning. For example: Why will people drive 45 minutes to use a $2.00 coupon? Why won’t people sell a poor performing stock just because they inherited it from grandma? Why do people spend differently with a credit card than they do with cash? Why do people believe that they paid no income taxes because they received a refund? You’ll learn why the financial meltdown has amplified the impact of these all-too-human cognitive mistakes and discover ideas for addressing them. The bottom line for your bottom line is that retirement can no longer be ignored, viewed as a single event, relegated to a “zone,” or romanticized. Instead, you must understand how every spending and financial decision you make from here on can impact the way you will spend your golden years. Retirementology attempts to help you do just that. Retirement planning: right brain versus left brain Why these different areas of the brain impact financial decisions--and what to do about it It’s real money! “De-layering” your finances How to overcome the psychological tricks that separate you from your money Family matters: managing financial support decisions for your extended family Choosing between your family or your retirement Get “long-term smart” How longevity, inflation, volatility, and your own expectations impact your retirement goals

Bankruptcy Of Our Nation

Author : Jerry Robinson
ISBN : 9780892217137
Genre : Business & Economics
File Size : 65. 69 MB
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First released at the beginning of America's economic crisis, Bankruptcy of our Nation has been almost prophetic in its assessment of the explosion of the gold market, the loss of AAA credit rating, foreclosures, "manufactured" numbers from the government reported by the media, and the fragile foundations of our national and internationally linked economies. Families are scared and more interested than ever in making sure they do all they can to survive whatever this fiscal crisis brings. This step-by-step process is one of that individuals can implement to diversify their savings and investments to help create multiple streams of income. Get solid and easy-to-understand assessments of America's financial position now and the pressures of a global economy that loom ahead so that you can make the critical decisions to protect yourself no matter what the uncertain future holds. Take control of your own fiscal future today!

The Graying Of America

Author : James A. Jorgensen
ISBN : STANFORD:36105039007112
Genre : Civil service
File Size : 32. 21 MB
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A E A Information Series

Author :
ISBN : MINN:31951D00366279T
Genre : Agriculture
File Size : 33. 46 MB
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California Dreaming

Author : Lawrence J. McQuillan
ISBN : 1598132431
Genre : Business & Economics
File Size : 47. 39 MB
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California's unfunded public pension liability, when measured correctly, is two to four times larger than official government estimates. The failure to fully fund the pension promises has allowed the current generation to receive public services that they are not fully paying for, pushing the pension problem onto future generations. California Dreaming explains how six reforms would solve the state's pension problem in an equitable, responsible, and moral way: preserving pension benefits already earned, providing competitive pensions going forward, and granting the flexibility needed so that future generations are not paying for deals they did not make.

National Journal

Author :
ISBN : STANFORD:36105111050303
Genre : Legislation
File Size : 46. 45 MB
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Nea Retirement And Benefits Forum

Author :
ISBN : CORNELL:31924063110401
Genre : Educators
File Size : 86. 11 MB
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Preparing Americans For The Future

Author :
ISBN : CORNELL:31924078651118
Genre : Pension trusts
File Size : 25. 77 MB
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Attracting And Compensating America S Teachers

Author : Kern Alexander
ISBN : UOM:39015014299104
Genre : Enseignants - Offre et demande - États-Unis
File Size : 89. 11 MB
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Focusing on the classroom teacher as the key component in the educational process, this yearbook reviews recent school reform upheavals and their effects on teacher compensation, availability and quality of teachers, teacher retirement systems and related issues. After introductory observations on teachers' economic subsidies by Kern Alexander, the following chapters are included: (1) "Teachers in the Economic System" by Patricia Anthony; (2) "Teacher Education Recommendations in the School Reform Reports" by K. Forbis Jordan; (3) "The Supply of U.S. Teachers: Quality for the Twenty-First Century" by James N. Fox; (4) "Teachers' Salaries: An International Perspective" by Stephen B. Lawton; (5) "Restructuring Teacher Compensation Systems: An Analysis of Three Incentive Strategies" by Betty Malen and others; (6) "Merit Pay: Issues and Solutions" by Lloyd E. Frohreich; (7) "Merit Pay and Teaching as a Career" by Stephen L. Jacobson; (8) "Funding of Teacher Education in State Universities" by Bruce A. Peseau; (9) "Judicial Requirements for Equal Pay" by Joseph C. Beckham; (10) "The Changing Condition of Teacher Retirement Systems: A Certain Past, a Tenuous Present, an Uncertain Future" by Eugene P. McLoone; and (11) "Teacher Salaries: Progress over the Decade" by Richard G. Salmon. Name and subject indices are included, along with biographical notes about the editors and contributors and a list of American Educational Finance Association officers 1987-88. (TE)

Daily Labor Report

Author :
ISBN : CORNELL:31924071647758
Genre : Labor
File Size : 39. 77 MB
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Who Stole My Pension?

Author : Robert Kiyosaki
ISBN : 1612681034
Genre : Business & Economics
File Size : 62. 70 MB
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It's estimated that there are over 50 million pensioners--in the United States alone. Like the United States, the United Kingdom, Japan, Italy, Germany and many other countries around the world are all in big trouble when it comes to the solvency of their pension funds. Who Stole My Pension? was written to give them guidance, resources, and tools so they can take action... and stop the looting. We are in the early stages of the greatest retirement crisis in the history of our nation and, indeed, the entire world. According to the World Health Organization, nearly two billion people around the world are expected to be over age 60 by 2050, a figure that's more than triple what it was in 2000. For better or for worse, never before have there been more elderly people living on planet Earth. One thing is. certain: Doing nothing--sitting back, confident your pension check is "in the mail"--is not an option. That's a risk you can't afford to take. According to Edward Siedle, a former attorney with the United States Securities and Exchange Commission and America's leading expert in pension looting, "In the decades to come, we will witness hundreds of millions of elders worldwide, including America's Baby Boomers, slipping into poverty. Too frail to work, too poor to retire will become the "new normal" for many of the aged." Kiyosaki, who like Siedle saw this crisis looming years ago, complements the facts and stats Siedle puts forth with strategies on how retirees can take control--not only their pensions, but their financial futures. Kiyosaki writes about the fact that his father, a highly educated man he calls his poor dad, wasn't poor until he lost his job, his paycheck--and his pension. "His PHD couldn't save him," says Kiyosaki, who has dedicated his life to teaching and financial literacy advocacy. In Who Stole My Pension? the authors focus on the most misunderstood and ignored cause of the pension crisis: mismanagement of pensions and investments. The culprits that are looting the pensions of public school teachers, firefighters, police, as well as private sector workers, are on Wall Street. The Wall Street casinos charging high fees for gambling in risky hedge funds and other speculative investments, outrageous investment-industry conflicts of interest, and outright violations of the law. Who Stole My Pension? is an in-depth assessment of the pension crisis that the world is facing today and what millions around the world--employees who expected to have pension income at retirement--can do about it. The authors recount a history of pension failures, inexperienced boards, gambling, looting and other horror stories--with a focus on action steps workers and retirees can take to quickly determine if a pension is being mismanaged as well as the concrete steps they can take to end decades of pension mismanagement. They detail critical questions retirees can ask--and guidance regarding how to act on what they learn.

When The Good Pensions Go Away

Author : Thomas J. Mackell
ISBN : 0470253371
Genre : Business & Economics
File Size : 81. 79 MB
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Congressional Quarterly Weekly Report

Author :
ISBN : PSU:000047741393
Genre : United States
File Size : 38. 83 MB
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American Journal Of Law Medicine

Author :
ISBN : UCAL:B3699706
Genre : Medical jurisprudence
File Size : 76. 18 MB
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