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Author: James W. Russell
Publisher: Beacon Press
ISBN: 0807012564
Category : Business & Economics
Languages : en
Pages : 225
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Book Description
How 401(k)s have gutted retirement security, from charging exorbitant hidden fees to failing to replace the income of traditional pensions Named one of PW's Top 10 for Business & Economics A retirement crisis is looming. In 2008, as the 401(k) fallout rippled across the country, horrified holders watched 25 percent of their funds evaporate overnight. Average 401(k) balances for those approaching retirement are too small to generate more than $4,000 in annual retirement income, and experts predict that nearly half of middle-class workers will be poor or near poor in retirement. But long before the recession, signs were mounting that few people would ever be able to accumulate enough wealth on their own to ensure financial security later in life. This hasn’t always been the case. Each generation of workers since the nineteenth century has had more retirement security than the previous generation. That is, until 1981, when shaky 401(k) plans began replacing traditional pensions. For the last thirty years, we’ve been advised that the best way to build one’s nest egg is to heavily invest in 401(k)-type programs, even though such plans were originally designed to be a supplement to rather than the basis for retirement. This financial experiment, promoted by neoliberals and aggressively peddled by Wall Street, has now come full circle, with tens of millions of Americans discovering that they would have been better off under traditional pension plans long since replaced. As James W. Russell explains, this do-it-yourself retirement system—in which individuals with modest incomes are expected to invest large sums of capital in order to reap the same rewards as high-end money managers—isn’t working. Social Insecurity tells the story of a massive and international retirement robbery—a substantial transfer of wealth from everyday workers to Wall Street financiers via tremendously costly hidden fees. Russell traces what amounts to a perfect swindle, from its ideological origins at Milton Friedman’s infamous Chicago School to its implementation in Chile under Pinochet’s dictatorship and its adoption in America through Reaganomics. Enraging yet hopeful, Russell offers concrete ideas on how individuals and society can arrest this downward spiral.
Author: James W. Russell
Publisher: Beacon Press
ISBN: 0807012564
Category : Business & Economics
Languages : en
Pages : 225
Get Book Here
Book Description
How 401(k)s have gutted retirement security, from charging exorbitant hidden fees to failing to replace the income of traditional pensions Named one of PW's Top 10 for Business & Economics A retirement crisis is looming. In 2008, as the 401(k) fallout rippled across the country, horrified holders watched 25 percent of their funds evaporate overnight. Average 401(k) balances for those approaching retirement are too small to generate more than $4,000 in annual retirement income, and experts predict that nearly half of middle-class workers will be poor or near poor in retirement. But long before the recession, signs were mounting that few people would ever be able to accumulate enough wealth on their own to ensure financial security later in life. This hasn’t always been the case. Each generation of workers since the nineteenth century has had more retirement security than the previous generation. That is, until 1981, when shaky 401(k) plans began replacing traditional pensions. For the last thirty years, we’ve been advised that the best way to build one’s nest egg is to heavily invest in 401(k)-type programs, even though such plans were originally designed to be a supplement to rather than the basis for retirement. This financial experiment, promoted by neoliberals and aggressively peddled by Wall Street, has now come full circle, with tens of millions of Americans discovering that they would have been better off under traditional pension plans long since replaced. As James W. Russell explains, this do-it-yourself retirement system—in which individuals with modest incomes are expected to invest large sums of capital in order to reap the same rewards as high-end money managers—isn’t working. Social Insecurity tells the story of a massive and international retirement robbery—a substantial transfer of wealth from everyday workers to Wall Street financiers via tremendously costly hidden fees. Russell traces what amounts to a perfect swindle, from its ideological origins at Milton Friedman’s infamous Chicago School to its implementation in Chile under Pinochet’s dictatorship and its adoption in America through Reaganomics. Enraging yet hopeful, Russell offers concrete ideas on how individuals and society can arrest this downward spiral.
Author: Loïc Wacquant
Publisher: Duke University Press
ISBN: 0822392259
Category : Social Science
Languages : en
Pages : 410
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Book Description
The punitive turn of penal policy in the United States after the acme of the Civil Rights movement responds not to rising criminal insecurity but to the social insecurity spawned by the fragmentation of wage labor and the shakeup of the ethnoracial hierarchy. It partakes of a broader reconstruction of the state wedding restrictive “workfare” and expansive “prisonfare” under a philosophy of moral behaviorism. This paternalist program of penalization of poverty aims to curb the urban disorders wrought by economic deregulation and to impose precarious employment on the postindustrial proletariat. It also erects a garish theater of civic morality on whose stage political elites can orchestrate the public vituperation of deviant figures—the teenage “welfare mother,” the ghetto “street thug,” and the roaming “sex predator”—and close the legitimacy deficit they suffer when they discard the established government mission of social and economic protection. By bringing developments in welfare and criminal justice into a single analytic framework attentive to both the instrumental and communicative moments of public policy, Punishing the Poor shows that the prison is not a mere technical implement for law enforcement but a core political institution. And it reveals that the capitalist revolution from above called neoliberalism entails not the advent of “small government” but the building of an overgrown and intrusive penal state deeply injurious to the ideals of democratic citizenship. Visit the author’s website.
Author: Niklaus Steiner
Publisher: Routledge
ISBN: 0415665493
Category : Political Science
Languages : en
Pages : 210
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Book Description
Migration and Insecurity addressess an important but rarely considered aspect of migration: how are migrants and refugees received in their new homes? What defines inclusion and exclusion for migrants, and how does this affect the concept of 'belonging' in a transnational society? In these essays, the distinguished contributors discuss the places in which migrants and refugees construct and experience their belonging, and situate this discussion in the context of the international system and government policy. Chapters interrogate the notion of ...
Author: Ian Gough
Publisher: Cambridge University Press
ISBN: 9780521834193
Category : Political Science
Languages : en
Pages : 12
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Book Description
Written by a team of internationally respected experts, this book explores the conditions under which social policy, defined as the public pursuit of secure welfare, operates in the poorer regions of the world. Social policy in advanced capitalist countries operates through state intervention to compensate for the inadequate welfare outcomes of the labour market. Such welfare regimes cannot easily be reproduced in poorer regions of the world where states suffer problems of governance and labour markets are imperfect and partial. Other welfare regimes therefore prevail involving non-state actors such as landlords, moneylenders and patrons. This book seeks to develop a conceptual framework for understanding different types of welfare regime in a range of countries in Asia, Latin America and Africa and makes an important contribution to the literature by breaking away from the traditional focus on Europe and North America.
Author: Shelley Feldman
Publisher: University of Georgia Press
ISBN: 0820339512
Category : Political Science
Languages : en
Pages : 354
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Book Description
Accumulating Insecurity examines the relationship between two vitally important contemporary phenomena: a fixation on security that justifies global military engagements and the militarization of civilian life, and the dramatic increase in day-to-day insecurity associated with contemporary crises in health care, housing, incarceration, personal debt, and unemployment. Contributors to the volume explore how violence is used to maintain conditions for accumulating capital. Across world regions violence is manifested in the increasingly strained, often terrifying, circumstances in which people struggle to socially reproduce themselves. Security is often sought through armaments and containment, which can lead to the impoverishment rather than the nourishment of laboring bodies. Under increasingly precarious conditions, governments oversee the movements of people, rather than scrutinize and regulate the highly volatile movements of capital. They often do so through practices that condone dispossession in the name of economic and political security.
Author: Michael Hill
Publisher: Routledge
ISBN: 1134696752
Category : Social Science
Languages : en
Pages : 250
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Book Description
Insecure Times brings together a diverse group of contributors to provide a systematic analysis of insecurity and its effect on an important range of institutions.
Author: Jane E. Ferrie
Publisher: WHO Regional Office Europe
ISBN: 9289013451
Category : Business & Economics
Languages : en
Pages : 261
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Book Description
This work is the result of a symposium focusing on the anxieties that arise from changes in the world of work in Europe. The book seeks to draw attention to the changing nature of work, trends in labour market policies and the increase in job insecurity, which creates chronic unemployment.
Author: Esther Sullivan
Publisher: Univ of California Press
ISBN: 0520968352
Category : Social Science
Languages : en
Pages : 316
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Book Description
Manufactured Insecurity is the first book of its kind to provide an in-depth investigation of the social, legal, geospatial, and market forces that intersect to create housing insecurity for an entire class of low-income residents. Drawing on rich ethnographic data collected before, during, and after mobile home park closures and community-wide evictions in Florida and Texas—the two states with the largest mobile home populations—Manufactured Insecurity forces social scientists and policymakers to respond to a fundamental question: how do the poor access and retain secure housing in the face of widespread poverty, deepening inequality, and scarce legal protection? With important contributions to urban sociology, housing studies, planning, and public policy, the book provides a broader understanding of inequality and social welfare in the United States today.
Author: Birte Heidkamp
Publisher: Springer
ISBN: 3658176784
Category : Social Science
Languages : en
Pages : 195
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Book Description
The book deals with precarity within the digital age and focuses on media change and social insecurity. Change arising from digital developments takes place on micro-, meso- and meta-levels and have always social implications. Concepts such as Social Media, eHealth and Digital Capitalism, Informational Capitalism and Social Exclusion, Digital Globalization and Motility frame the social dynamics and implications of changes in digital media. These changes evoke a double precarity or stable unstability: Social practices throughout the diverse societal fields are questioned through the media change which leads to a digital age. The ongoing media change requires new social practices – what evokes precarity as an ongoing insecurity how to face the `new digital world ́.As a socio-economic phenomenon and effect of neoliberal policy precarity changes life planning and self-narrations of the affected individuals. Precarity and neoliberal subjection-processes manifest in the digital age and are performatively re-produced by the way new media are used.
Author: Penda Diallo
Publisher: Routledge
ISBN: 1000752100
Category : Business & Economics
Languages : en
Pages : 157
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Book Description
This book explores how bauxite mining has affected local and national political dynamics in Guinea over the past 55 years, providing an overview of mining interactions with social, economic and political spheres. Guinea is amongst the world’s top producers of bauxite, and the country’s rich mineral presence has numerous implications on local communities and national policy. Guinea is an interesting and highly relevant case study in assessing the impact of bauxite mining on regime stability and social insecurity. The author offers a clear understanding of the role of mining during the Touré and Conté regimes and analyses how changes since the election of Condé in 2010 have affected the socio-political and economic development of Guinea. The author also offers analysis on how bauxite mining has led to the emergence of new forms of social contracts, sustained by mining companies instead of the state. Finally, the book argues that understanding the stabilising and destabilising potential of mining is key to ensuring long-term, sustainable, stable and inclusive growth of mineral-resource-rich countries. The book concludes by highlighting the relevance of the findings in Guinea for the wider African extractives sector. The book will be of interest to a wide range of scholars, including those working in the areas of African studies, political science, political economy, sustainable development and corporate social responsibility. The book will be relevant for academics, business actors, NGOs, policy-makers and students interested in the African mining sector.
