Retirement Reconsidered
Author: Robert Morris
Publisher:
Published: 1988
Total Pages: 280
ISBN-13:
DOWNLOAD EBOOKPosts
Retirement Reconsidered
Author: Robert Morris
Publisher:
Published: 1988
Total Pages: 280
ISBN-13:
DOWNLOAD EBOOKReconsidering Retirement
Author: Courtney C. Coile
Publisher: Rowman & Littlefield
Published: 2010-11-01
Total Pages: 188
ISBN-13: 081570500X
DOWNLOAD EBOOKThe economic downturn that began in 2008, the most severe in decades, has hit older Americans hard. Many have seen huge losses to their 401(k)s. In numerous cases the value of homes—the largest investment most older Americans have ever made—has diminished considerably. In addition, large numbers of American workers, including those 50 and older, have lost their jobs and may have difficulty replacing them. Suddenly the future seems a whole lot less certain, throwing years of planning into doubt. In Reconsidering Retirement, economists Courtney Coile and Phillip Levine go beyond the headlines to explain how the economic crisis will affect the future plans and well-being of older Americans. Amid well-publicized reports that older workers needed to stay on the job because of the crisis, the number of U.S. workers claiming Social Security retirement benefits actually rose substantially from 2008 to 2009. The authors maintain that job loss has been the culprit, leading to premature retirement, and while this trend may have been less noticed, it is perhaps the more significant outcome of the crisis. Coile and Levine examine the three major characteristics of the recession thought to influence retirement behavior: decline in the stock market, reduced housing values, and a weak labor market. The authors find that lower home prices did not actually affect retirement behavior but that the decline in the stock market did lead some workers to delay retirement, while a weakened labor market actually forced more older workers with fewer skills into retirement. As a result, these early retirees, who rely on Social Security, face a lifetime of lower benefits. The legacy of recessions is that those most in need usually are last to reap the benefits of an economic recovery. While the lion's share of media coverage after the economic downturn of 2008–09 has gone to the plight of older workers who remain employed, Courtney Coile and Phillip Levine exami
Retirement Maze
Author: Rob Pascale
Publisher: Rowman & Littlefield
Published: 2014-02
Total Pages: 243
ISBN-13: 1442216190
DOWNLOAD EBOOKMillions of baby boomers are just beginning to retire, and in doing so many are likely to run into adjustment problems, such as loss of identity, deterioration of marriage and social life, and feelings of disconnectedness to the world. Studies have found that as many as 40% of retirees have difficulty adjusting, and even those who claim to enjoy retirement may experience some uneasiness as they adapt to a life lacking in structure and direction. This book investigates the struggles faced by retirees in building a new life outside of the workforce. It provides an honest assessment of retirement, based on the not-always-acknowledged fact that it is a difficult transition with pitfalls and obstacles to be overcome. But along with uncovering problems, the authors also propose solutions to enable both current and future retirees to be better prepared, allowing them to avoid being blind-sided by unexpected situations. By reading about the experiences of their peers, current and future retirees will come to understand that others share their difficulties adjusting, and that tactics are available to improve their comfort level in retirement as well as their overall well-being. Retirees and those planning for retirement will find in these pages what they need to make retirement successful and enjoyable.
Discover the Right Retirement for You
Author: Joseph "Jay" Totter
Publisher: Outskirts Press
Published: 2020-08-04
Total Pages: 178
ISBN-13: 1977226051
DOWNLOAD EBOOKWhat comes to mind when you think of retirement? An age? A date? A budget? Do you regard it as a reward for work well done or the inevitable end of a life well lived? What do you envision doing once you are no longer working? If any of these questions seem daunting, this is the book for you. The author, an experienced and skilled human resources administrator, frequently encountered individuals who had not done any retirement planning beyond selecting a date and estimating a budget. He also discovered how limited the retirement literature was with most of it focused on the financial aspects to the exclusion of a myriad of other factors that go into creating a satisfying retirement. Thus began a two-year journey of research and writing to create Discover the Right Retirement for You, the most comprehensive guide to retirement planning currently available. Carefully crafted to be used by the 44 million Baby Boomers who are retiring at the astonishing rate of 10,000 each day, this remarkable resource contains comprehensive information written in comprehendible language about the many components of retirement and connects the reader to others like themselves. It is a reference book with facts and figures, a workbook with worksheets for self-inventory and reflection, and a storybook with anecdotes about retirement expectations and experiences. Distilled from extensive interviews with people just like you, Discover the Right Retirement for You invites you to explore retirement from such diverse perspectives as its effect on your health, self-image, and family, while also addressing the financial aspects. Whether retirement is right around the corner or a few years away, this is the guidebook you need to create the right retirement for you.
The New Retirementality
Author: Mitch Anthony
Publisher: John Wiley & Sons
Published: 2010-12-21
Total Pages: 8
ISBN-13: 1118039513
DOWNLOAD EBOOKWith this latest edition of The New Retirementality, readers will quickly discover how to achieve the freedom to pursue their retirement goals?at their own pace, on their own terms?regardless of their age. Most people won't experience the same retirement that their parents did, nor do they necessarily want to. Page by page, top financial planner Mitch Anthony reveals how new opportunities will enable individuals to create tailor-made retirements. He includes new research and studies to back his insights and introduces readers to important concepts such as "wealthcare" and "return on life." Filled with engaging anecdotes and inspirational suggestions, this book will motivate readers to rethink the way they retire.
Rescuing Retirement
Author: Teresa Ghilarducci
Publisher: Columbia University Press
Published: 2018-01-23
Total Pages: 177
ISBN-13: 0231546270
DOWNLOAD EBOOKRetirement shouldn’t be just for the rich: “Finally, a practical plan to address Americans’ lack of adequate retirement savings.”—Michael Bloomberg Everyone deserves to be able to retire with dignity, but this core feature of the social contract is in jeopardy. Companies have swerved away from pensions, and most of the workforce has woefully inadequate retirement savings. If we don’t act to fix this broken system, rates of impoverishment for senior citizens threaten to skyrocket, and tens of millions of Americans reaching retirement age in the coming decades will be forced to delay retirement and will experience a dramatic drop in their standard of living. In Rescuing Retirement, economist Teresa Ghilarducci and billionaire businessman Tony James offer a comprehensive yet simple plan to help workers save for retirement, increase retirement savings by earning higher returns, and guarantee lifelong income for everyone. Built on people’s own money in individual Guaranteed Retirement Accounts, the plan requires no new taxes, no more bureaucracy, and no increase in the deficit. Speaking to Americans’ growing anxiety about their ability to retire, Rescuing Retirement provides answers to anyone wanting to understand the growing movement to protect a period of life once considered a deserved time of rest and creativity and offers a practical guide to the future of secure retirement. “Ghilarducci and James never slip into wonk-speak or jargon, and lay readers will appreciate the way the authors make sense of complex economic issues.”—Publishers Weekly
Model Rules of Professional Conduct
Author: American Bar Association. House of Delegates
Publisher: American Bar Association
Published: 2007
Total Pages: 216
ISBN-13: 9781590318737
DOWNLOAD EBOOKThe Model Rules of Professional Conduct provides an up-to-date resource for information on legal ethics. Federal, state and local courts in all jurisdictions look to the Rules for guidance in solving lawyer malpractice cases, disciplinary actions, disqualification issues, sanctions questions and much more. In this volume, black-letter Rules of Professional Conduct are followed by numbered Comments that explain each Rule's purpose and provide suggestions for its practical application. The Rules will help you identify proper conduct in a variety of given situations, review those instances where discretionary action is possible, and define the nature of the relationship between you and your clients, colleagues and the courts.
The New Rules of Retirement
Author: Robert C. Carlson
Publisher: John Wiley & Sons
Published: 2016-03-29
Total Pages: 464
ISBN-13: 1119183499
DOWNLOAD EBOOKCreate the retirement you desire with proven financial strategies The New Rules of Retirement throws away the rules of thumb, clichés, and obsolete ideas. It provides a proven, updated approach to retiring successfully in today's world. In this new second edition based on independent, objective research, retirement expert Robert C. Carlson uses proven, profitable techniques to coordinate all the factors that lead to financial security and independence. You'll learn how much you really need to save for retirement, how to invest that nest egg before and during retirement, and how to establish a wise and sustainable spending strategy. Carlson will explain how to overcome the threats to lifetime financial security, such as longer life expectancy, low investment returns, higher taxes, and more. Importantly, you'll learn how to plan for the wildcards of retirement planning: health care and long-term care expenses. This edition covers changes in key areas such as annuities, IRA management, estate planning, and income taxes. You'll learn how to merge these insights into your plan to enhance financial security and to provide for loved ones in the future. Retirement no longer means being put out to pasture. Today's retirees are traveling the world, attending classes, developing new skills, starting businesses, mastering neglected hobbies, and more—well into their golden years. This guide helps ensure you have the financial independence to pursue the retirement you want through smart planning and effective financial strategies. Know and overcome the threats to retiree financial security Learn the right way to estimate retirement spending Develop a sustainable spending strategy Invest your nest egg to make it last Plan for potential long-term health care Leave a legacy for loved ones The retirement is now a new phase of life, not a winding down. It's a time to live your best life and do things you couldn't before. But all the financial aspects of retirement have changed. To maintain financial security and create the retirement you desire, you need to be on top of the changes. The New Rules of Retirement provides the latest, proven strategies that help put the shine in your golden years.
The Retirement Challenge
Author: Martin Neil Baily
Publisher: Oxford University Press
Published: 2023-01-18
Total Pages: 305
ISBN-13: 0197639275
DOWNLOAD EBOOKA comprehensive plan from two leading experts on how to fix America's outdated retirement system America's retirement system has serious problems. While it works well for some retirees, millions of others don't have the sound retirement they have worked decades to secure. Roughly 40 percent of today's $4 trillion federal budget is devoted to supporting retirees, which will grow to roughly half over the next decade--imperiling the sustainability of the whole system. The system is out of date. It reflects the America of a bygone age--an era in which company or union pensions provided middle-class families a decent standard of living in retirement. In America today, however, private pensions have mostly disappeared, Social Security is threatened to go insolvent, people are living longer, and health care costs continue to rise. Poorer retirees now must choose between buying enough to eat and their prescription drugs. In The Retirement Challenge, influential former White House economists Martin Neil Baily and Benjamin H. Harris explore America's outdated retirement system and explain how improving retirement requires changes by families, employers, and policymakers alike. Households need to save more, get smarter about their finances, and trade part of their 401(k) balances for insurance products. Companies need to take a more active role in their workers' retirements. And lawmakers need to amend the tax code, Social Security, and a host of other programs. Despite today's wide political divide, policymakers from both parties can come together around changes that will promote a stable retirement. This book shows that these changes do not represent a radical overhaul. If families, businesses, and policymakers do their part, everyone--current retirees and future generations--can enjoy a much more secure and prosperous retirement.
