Essays on Saving, Bequests, Altruism, and Life-cycle Planning PDF Download
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Author: Laurence J. Kotlikoff
Publisher: MIT Press
ISBN: 9780262263344
Category : Business & Economics
Languages : en
Pages : 596
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Book Description
This collection of essays, coauthored with other distinguished economists, offers new perspectives on saving, intergenerational economic ties, retirement planning, and the distribution of wealth. The book links life-cycle microeconomic behavior to important macroeconomic outcomes, including the roughly 50 percent postwar decline in America's rate of saving and its increasing wealth inequality. The book traces these outcomes to the government's five-decade-long policy of transferring, in the form of annuities, ever larger sums from young savers to old spenders. The book presents new theoretical and empirical analyses of altruism that rule out the possibility that private intergenerational transfers have offset those by the government.While rational life-cycle behavior can explain broad economic outcomes, the book also shows that a significant minority of households fail to make coherent life-cycle saving and insurance decisions. These mistakes are compounded by reliance on conventional financial planning tools, which the book compares with Economic Security Planner (ESPlanner), a new life-cycle financial planning software program. The application of ESPlanner to U.S. data indicates that most Americans approaching retirement age are saving at much lower rates than they should be, given potential major cuts in Social Security benefits.
Author: Laurence J. Kotlikoff
Publisher: MIT Press
ISBN: 9780262263344
Category : Business & Economics
Languages : en
Pages : 596
Get Book Here
Book Description
This collection of essays, coauthored with other distinguished economists, offers new perspectives on saving, intergenerational economic ties, retirement planning, and the distribution of wealth. The book links life-cycle microeconomic behavior to important macroeconomic outcomes, including the roughly 50 percent postwar decline in America's rate of saving and its increasing wealth inequality. The book traces these outcomes to the government's five-decade-long policy of transferring, in the form of annuities, ever larger sums from young savers to old spenders. The book presents new theoretical and empirical analyses of altruism that rule out the possibility that private intergenerational transfers have offset those by the government.While rational life-cycle behavior can explain broad economic outcomes, the book also shows that a significant minority of households fail to make coherent life-cycle saving and insurance decisions. These mistakes are compounded by reliance on conventional financial planning tools, which the book compares with Economic Security Planner (ESPlanner), a new life-cycle financial planning software program. The application of ESPlanner to U.S. data indicates that most Americans approaching retirement age are saving at much lower rates than they should be, given potential major cuts in Social Security benefits.
Author: Katherine Grace Carman
Publisher:
ISBN:
Category :
Languages : en
Pages : 352
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Book Description
Author: Gilbert R. Ghez
Publisher: Columbia University Press
ISBN:
Category : Business & Economics
Languages : en
Pages : 180
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Book Description
There is a belief now that family behavior over the life cycle can be analyzed by economic methods. This study deals with allocation of resources by families over time.
Author: Chia-Hui Lu
Publisher:
ISBN:
Category :
Languages : en
Pages : 156
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Book Description
Author: David R. Green
Publisher: Oxford University Press
ISBN: 0199593760
Category : Business & Economics
Languages : en
Pages : 325
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Book Description
There has been considerable research into the growth of limited companies in Great Britain in the 19th century, but not much is known about their investors, both men and women. This interdisciplinary book, based on new research, investigates the identity and behaviour of these investors.
Author:
Publisher:
ISBN:
Category : Dissertations, Academic
Languages : en
Pages : 784
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Book Description
Author: National Academies of Sciences, Engineering, and Medicine
Publisher: National Academies Press
ISBN: 0309448093
Category : Medical
Languages : en
Pages : 367
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Book Description
Family caregiving affects millions of Americans every day, in all walks of life. At least 17.7 million individuals in the United States are caregivers of an older adult with a health or functional limitation. The nation's family caregivers provide the lion's share of long-term care for our older adult population. They are also central to older adults' access to and receipt of health care and community-based social services. Yet the need to recognize and support caregivers is among the least appreciated challenges facing the aging U.S. population. Families Caring for an Aging America examines the prevalence and nature of family caregiving of older adults and the available evidence on the effectiveness of programs, supports, and other interventions designed to support family caregivers. This report also assesses and recommends policies to address the needs of family caregivers and to minimize the barriers that they encounter in trying to meet the needs of older adults.
Author: John Bailey Jones
Publisher:
ISBN:
Category :
Languages : en
Pages : 500
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Book Description
Author: American Bar Association. House of Delegates
Publisher: American Bar Association
ISBN: 9781590318737
Category : Law
Languages : en
Pages : 216
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Book Description
The 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.
Author: National Bureau of Economic Research
Publisher:
ISBN:
Category : Economic research
Languages : en
Pages : 182
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Book Description
