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Author: Olivia Mitchell
Publisher: Oxford University Press
ISBN: 019263755X
Category : Business & Economics
Languages : en
Pages : 305
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Book Description
Around the world, people nearing and entering retirement are holding ever-greater levels of debt than in the past. This is not a benign situation, as many pre-retirees and retirees are stressed about their indebtedness. Moreover, this growth in debt among the older population may render retirees vulnerable to financial shocks, medical care bills, and changes in interest rates. Contributors to this volume explore key aspects of the rise in debt across older cohorts, drill down into the types of debt and reasons for debt incurred by the older population, and review policies to remedy some of the financial problems facing older persons, in the US and elsewhere. The authors explore which groups are most affected by debt and identify the factors producing this important increase in leverage at older ages. It is clear that the economic and market environment is influential when it comes to saving and debt. Access to easy borrowing, low interest rates, and the rising cost of education have had significant impacts on how much people borrow, and how much debt they carry at older ages. In this environment, the capacity to manage debt is ever more important as older workers lack the opportunity to recover from mistakes.
Author: Olivia Mitchell
Publisher: Oxford University Press
ISBN: 019263755X
Category : Business & Economics
Languages : en
Pages : 305
Get Book Here
Book Description
Around the world, people nearing and entering retirement are holding ever-greater levels of debt than in the past. This is not a benign situation, as many pre-retirees and retirees are stressed about their indebtedness. Moreover, this growth in debt among the older population may render retirees vulnerable to financial shocks, medical care bills, and changes in interest rates. Contributors to this volume explore key aspects of the rise in debt across older cohorts, drill down into the types of debt and reasons for debt incurred by the older population, and review policies to remedy some of the financial problems facing older persons, in the US and elsewhere. The authors explore which groups are most affected by debt and identify the factors producing this important increase in leverage at older ages. It is clear that the economic and market environment is influential when it comes to saving and debt. Access to easy borrowing, low interest rates, and the rising cost of education have had significant impacts on how much people borrow, and how much debt they carry at older ages. In this environment, the capacity to manage debt is ever more important as older workers lack the opportunity to recover from mistakes.
Author: Mitchell S. Olivia
Publisher:
ISBN: 0198867522
Category : Business & Economics
Languages : en
Pages : 305
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Book Description
Around the world, people nearing and entering retirement are holding ever-greater levels of debt. This volume explores key aspects of the rise in debt across older cohorts, drills down into the types of debt and reasons for debt incurred, and reviews policies to remedy some of the financial problems facing older persons, in the US and elsewhere.
Author: Olivia S. Mitchell
Publisher: University of Pennsylvania Press
ISBN: 9780812234398
Category : Business & Economics
Languages : en
Pages : 310
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Book Description
Table of Contents
Author: Robert L. Clark
Publisher: OUP Oxford
ISBN: 0191536415
Category : Business & Economics
Languages : en
Pages : 308
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Book Description
This book explores how rising pension and healthcare costs, along with workforce aging, are affecting pension and retirement planning around the world. Many middle-aged workers now realize that they will have to work longer than intended, as they begin to recognize that their retirement resources will be inadequate to finance retirement consumption. Volatile capital markets, rising medical-care costs, and low saving rates make retirement behavior and policy a moving target. Olivia Mitchell, executive director of The Pension Research Council at Wharton, and Robert L. Clark, Professor of Business Management and Economics at North Carolina State University, explore these themes with colleagues, touching on a diverse set of issues ranging from employment trends to pension accounting and investment, to retirement system overhaul. They illustrate how employers are actively reformulating the meaning of work and retirement, seeking to encourage more people to work longer than ever before in the face of projected labor shortages. At the same time, public and private trust in traditional pension offerings is rapidly eroding, as companies alter, amend, and terminate their conventional plans in the face of poor investment performance and new methods of pension accounting. Experts from the UK, the US, Japan, Sweden, and Canada offer international perspectives on the evolving institutions of retirement practice. This book provides readers a range of insights and strategies not available in other volumes, and it represents an invaluable addition to the PRC/OUP series. It will be particularly valuable for managers working toward more efficient pension plans; to scholars and policymakers seeking to maximize pension design and effectiveness; and to actuaries and tax specialists concerned with pension regulation. The Pension Research Council at the Wharton School of the University of Pennsylvania was founded 50 years ago to encourage research and teaching on pensions and retirement security. Council projects address the long-term issues that underlie contemporary concerns and seek to broaden public understanding of these complex arrangements through research into their social, economic, legal, actuarial, and financial foundations of privately and publicly-provided benefits.
Author: Rebecca Winthrop
Publisher: Brookings Institution Press
ISBN: 0815735715
Category : Education
Languages : en
Pages : 146
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Book Description
Exemplary stories of innovation from around the world In an age of rising inequality, getting a good education increasingly separates the haves from the have nots. In countries like the United States, getting a good education is one of the most promising routes to upper-middle-class status, even more so than family wealth. Experts predict that by 2030, 825 million children will reach adulthood without basic secondary-level skills, and it will take a century for the most marginalized youth to achieve the educational levels that the wealthiest enjoy today. But these figures do not even account for the range of skills and competencies needed to thrive today in work, citizenship, and life. In a world where the ability to manipulate knowledge and information, think critically, and collaboratively solve problems are essential to thrive, access to a quality education is crucial for all young people. In Leapfrogging Inequality, researchers chart a new path for global education by examining the possibility of leapfrogging—harnessing innovation to rapidly accelerate educational progress—to ensure that all young people develop the skills they need for a fast-changing world. Analyzing a catalog of nearly 3,000 global education innovations, the largest such collection to date, researchers explore the potential of current practices to enable such a leap. As part of this analysis, the book presents an evidence-based framework for getting ahead in education, which it grounds in the here-and-now by narrating exemplary stories of innovation from around the world. Together, these stories and resources will inspire educators, investors, leaders of nongovernmental organizations, and policymakers alike to rally around a new vision of educational progress—one that ensures we do not leave yet another generation of young people behind.
Author: Steve Early
Publisher: Beacon Press
ISBN: 0807094277
Category : Political Science
Languages : en
Pages : 234
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Book Description
The People vs. Big Oil—how a working-class company town harnessed the power of local politics to reclaim their community With a foreword by Bernie Sanders Home to one of the largest oil refineries in the state, Richmond, California, was once a typical company town, dominated by Chevron. This largely nonwhite, working-class city of 100,000 suffered from poverty, pollution, and poorly funded public services. It had one of the highest homicide rates per capita in the country and a jobless rate twice the national average. But when veteran labor reporter Steve Early moved from New England to Richmond in 2012, he discovered a city struggling to remake itself. In Refinery Town, Early chronicles the 15 years of successful community organizing that raised the local minimum wage, defeated a casino development project, challenged home foreclosures and evictions, and sought fair taxation of Big Oil. A short list of Richmond’s activist residents helps to propel this compelling chronicle: • 94 year old Betty Reid Soskin, the country’s oldest full-time national park ranger and witness to Richmond’s complex history • Gayle McLaughlin, the Green Party mayor who challenged Chevron and won • Police Chief Chris Magnus, who brought community policing to Richmond and is now one of America’s leading public safety reformers Part urban history, part call to action, Refinery Town shows how concerned citizens can harness the power of local politics to reclaim their community and make municipal government a source of much-needed policy innovation. “Refinery Town provides an inside look at how one American city has made radical and progressive change seem not only possible but sensible.”—David Helvarg, The Progressive
Author: D. Richard Laws
Publisher: SAGE Publications
ISBN: 1452262136
Category : Psychology
Languages : en
Pages : 574
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Book Description
"This book is a rich source of information on the application of relapse prevention with sex offenders. It presents readers promising directions for change and areas that need revision based on new research findings and the integration of emerging theoretical models that show considerable promise in this field. . . . The material in this book should help us construct a better, safer vehicle for the treatment of sex offenders in the new millennium." –from the Foreword by G. Alan Marlatt, University of Washington It is estimated that relapse prevention methods are employed in more than 90% of all North American sex offender treatment programs (of which there are more than 2,000). Comparable statistics are true in most industrialized countries around the world. Over the last decade a great deal has been learned about the treatment of sexual offenders, and particularly about relapse prevention. This sourcebook provides clinicians with the most current, practical information about working with sex offenders to prevent relapse. It reflects the advances and insights of the past decade since the publication of Relapse Prevention with Sex Offenders, focusing on the major reconceptualizations, revisions, and innovations that will chart treatment programs for the first decade of the new millennium.
Author: Mike Piper
Publisher:
ISBN: 9781950967070
Category :
Languages : en
Pages : 122
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Book Description
Find all of the following, explained in plain-English with no technical jargon: How to calculate how much you'll need saved before you can retire How to use annuities to minimize the risk of outliving your money How to choose which accounts (Roth vs. traditional IRA vs. taxable) to withdraw from each year When it makes sense to use a Roth IRA conversion to save on taxes How to choose an appropriate asset allocation for your retirement portfolio How to minimize taxes by proper use of an asset location strategy How to reliably pick winning mutual funds
Author: Susan Yoshihara
Publisher: Potomac Books, Inc.
ISBN: 1612341128
Category : Political Science
Languages : en
Pages : 462
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Book Description
"Remarkably, most conventional wisdom about the shifting balance of world power virtually ignores one of the most fundamental components of power: population. The studies that do consider international security and demographic trends almost unanimously focus on population growth as a liability. In contrast, the distinguished contributors to this volume--security experts from the Naval War College, the American Enterprise Institute, and other think tanks--contend that demographic decline in key world powers now poses a profound challenge to global stability. The countries at greatest risk are in the developed world, where birthrates are falling and populations are aging. Many have already lost significant human capital, capital that would have helped them innovate and fuel their economy, man their armed forces, and secure a place at the table of world power. By examining the effects of diverging population trends between the United States and Europe and the effects of rapid population aging in Japan, India, and China, this book uncovers increasing tensions within the transatlantic alliance and destabilizing trends in Asian security. Thus, it argues, relative demographic decline may well make the world less, and not more, secure."--Publisher.
Author: Raimond Maurer
Publisher: Oxford University Press
ISBN: 0191636304
Category : Business & Economics
Languages : en
Pages : 312
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Book Description
The worldwide financial crisis has wrought deep changes in capital and labor markets, old-age retirement systems, and household retirement and consumption patterns. Confidence has been shaken in both the traditional defined benefit and defined contribution plans. Around the world, plan sponsors, fiduciaries, policymakers, and households have gained a new awareness of retirement risk. When pressed to reform post-crisis, many would recommend enhancing financial advice for plan participants, emphasizing flexibility and the positive effect of working another one or two years to make up for investment losses in the downturn. Adding to this is the continuing need for financial education, essential as the retirement system moves increasingly toward personal account pensions. Perhaps most important of all is the need for greater understanding of risk throughout the retirement security system, along with new approaches to re-engineering retirement pensions. This volume explores the lessons to be learnt for retirement planning and long-term financial security in view of the massive shocks to stock markets, labour markets, and pension plans resulting from the financial crisis. It aims to rethink retirement in the new economic era, including the resilience of defined contribution plans and how defined benefit plans reacted to the financial crisis.
