Author: DaRayl D. Davis
Publisher: Xlibris Corporation
ISBN: 1469100754
Category : Business & Economics
Languages : en
Pages : 269
Book Description
If Americans think the money theyve been able to salvage from the retirement savings meltdown caused by the recent financial crisis is theres to keep, theyd better think again! Economic Secrets of the New Retirement Environment exposes how our broken financial system will affect everyones retirement, whether you are already in retirement, nearing retirement or more than a decade or two away. Once the secrets have been revealed, you will be shown the best ways to build, protect and fully enjoy your wealth as well as how to pass your hard-earned assets to your heirs with minimum erosion and taxation.
Economic Secrets of the New Retirement EnvironmentTM
Author: DaRayl D. Davis
Publisher: Xlibris Corporation
ISBN: 1469100754
Category : Business & Economics
Languages : en
Pages : 269
Book Description
If Americans think the money theyve been able to salvage from the retirement savings meltdown caused by the recent financial crisis is theres to keep, theyd better think again! Economic Secrets of the New Retirement Environment exposes how our broken financial system will affect everyones retirement, whether you are already in retirement, nearing retirement or more than a decade or two away. Once the secrets have been revealed, you will be shown the best ways to build, protect and fully enjoy your wealth as well as how to pass your hard-earned assets to your heirs with minimum erosion and taxation.
Publisher: Xlibris Corporation
ISBN: 1469100754
Category : Business & Economics
Languages : en
Pages : 269
Book Description
If Americans think the money theyve been able to salvage from the retirement savings meltdown caused by the recent financial crisis is theres to keep, theyd better think again! Economic Secrets of the New Retirement Environment exposes how our broken financial system will affect everyones retirement, whether you are already in retirement, nearing retirement or more than a decade or two away. Once the secrets have been revealed, you will be shown the best ways to build, protect and fully enjoy your wealth as well as how to pass your hard-earned assets to your heirs with minimum erosion and taxation.
Economic Secrets of the New Retirement Environmentt
Author: DaRayl D. Davis
Publisher: Xlibris Corporation
ISBN: 9781441537720
Category : Business & Economics
Languages : en
Pages : 267
Book Description
If American's think the money they've been able to salvage from the retirement savings meltdown caused by the recent financial crisis is there's to keep, they'd better think again! Economic Secrets of the New Retirement Environment exposes how our broken financial system will affect everyone's retirement, whether you are already in retirement, nearing retirement or more than a decade or two away. Once the secrets have been revealed, you will be shown the best ways to build, protect and fully enjoy your wealth as well as how to pass your hard-earned assets to your heirs with minimum erosion and taxation.
Publisher: Xlibris Corporation
ISBN: 9781441537720
Category : Business & Economics
Languages : en
Pages : 267
Book Description
If American's think the money they've been able to salvage from the retirement savings meltdown caused by the recent financial crisis is there's to keep, they'd better think again! Economic Secrets of the New Retirement Environment exposes how our broken financial system will affect everyone's retirement, whether you are already in retirement, nearing retirement or more than a decade or two away. Once the secrets have been revealed, you will be shown the best ways to build, protect and fully enjoy your wealth as well as how to pass your hard-earned assets to your heirs with minimum erosion and taxation.
Wealth After Work
Author: William G. Gale
Publisher: Brookings Institution Press
ISBN: 0815739354
Category : Business & Economics
Languages : en
Pages : 406
Book Description
Pensions and retirement saving plans have helped millions of households build financial security. But tens of millions of people have been left behind, without access to these wealth accumulation vehicles. For many others, the plans they have do not ensure financial security in retirement. The problems that underlie these failures can be addressed. This book proposes concrete, practical ways to make dependable retirement income accessible for all Americans—not just those with means. Individual accounts have eclipsed traditional pensions as the primary vehicle for retirement saving in the United States—a shift that underlies many sources of retirement insecurity. The 401(k) plan and similar accounts have increased financial security for many people but have done nothing for millions more. Many of those who do have such plans are burdened with the need to make numerous saving, investment, and withdrawal decisions that stress their financial acumen. Financial advice that is unbiased, unconflicted, and affordable is often difficult to find. Managing wealth in retirement—especially the need to convert retirement savings into steady income—poses significant challenges that current financial instruments and practices do not adequately address. Economic downturns like the Great Recession and the COVID-19 pandemic increase financial insecurity and make addressing these issues more urgent. Written by noted experts in the field, Wealth After Work offers practical solutions that address these concerns. The proposals show how policymakers can help all Americans gain access to retirement savings accounts, obtain better information about their savings choices, and better manage their wealth in retirement. By proposing solutions that build on, rather than replace the existing system, the book provides a nuanced, practical guide to reform that would benefit all Americans.
Publisher: Brookings Institution Press
ISBN: 0815739354
Category : Business & Economics
Languages : en
Pages : 406
Book Description
Pensions and retirement saving plans have helped millions of households build financial security. But tens of millions of people have been left behind, without access to these wealth accumulation vehicles. For many others, the plans they have do not ensure financial security in retirement. The problems that underlie these failures can be addressed. This book proposes concrete, practical ways to make dependable retirement income accessible for all Americans—not just those with means. Individual accounts have eclipsed traditional pensions as the primary vehicle for retirement saving in the United States—a shift that underlies many sources of retirement insecurity. The 401(k) plan and similar accounts have increased financial security for many people but have done nothing for millions more. Many of those who do have such plans are burdened with the need to make numerous saving, investment, and withdrawal decisions that stress their financial acumen. Financial advice that is unbiased, unconflicted, and affordable is often difficult to find. Managing wealth in retirement—especially the need to convert retirement savings into steady income—poses significant challenges that current financial instruments and practices do not adequately address. Economic downturns like the Great Recession and the COVID-19 pandemic increase financial insecurity and make addressing these issues more urgent. Written by noted experts in the field, Wealth After Work offers practical solutions that address these concerns. The proposals show how policymakers can help all Americans gain access to retirement savings accounts, obtain better information about their savings choices, and better manage their wealth in retirement. By proposing solutions that build on, rather than replace the existing system, the book provides a nuanced, practical guide to reform that would benefit all Americans.
The Smartest Retirement Book You'll Ever Read
Author: Daniel R. Solin
Publisher: Penguin
ISBN: 1101133694
Category : Business & Economics
Languages : en
Pages : 264
Book Description
Follow the advice in The Smartest Retirement Book You'll Ever Read and you will: Find simple strategies to maximize your retirement nest egg Steer clear of scams that rob you of your hard-earned savings Ensure that your money lasts longer than you do Avoid the common mistakes that can leave your spouse impoverished Discover financial lifelines no matter how desperate the economy "If you want a handy guide that provides information in small chunks, Solin's book is it." -Newark Star-Ledger
Publisher: Penguin
ISBN: 1101133694
Category : Business & Economics
Languages : en
Pages : 264
Book Description
Follow the advice in The Smartest Retirement Book You'll Ever Read and you will: Find simple strategies to maximize your retirement nest egg Steer clear of scams that rob you of your hard-earned savings Ensure that your money lasts longer than you do Avoid the common mistakes that can leave your spouse impoverished Discover financial lifelines no matter how desperate the economy "If you want a handy guide that provides information in small chunks, Solin's book is it." -Newark Star-Ledger
The Longevity Economy
Author: Joseph F. Coughlin
Publisher: PublicAffairs
ISBN: 1610396650
Category : Business & Economics
Languages : en
Pages : 330
Book Description
Oldness: a social construct at odds with reality that constrains how we live after middle age and stifles business thinking on how to best serve a group of consumers, workers, and innovators that is growing larger and wealthier with every passing day. Over the past two decades, Joseph F. Coughlin has been busting myths about aging with groundbreaking multidisciplinary research into what older people actually want -- not what conventional wisdom suggests they need. In The Longevity Economy, Coughlin provides the framing and insight business leaders need to serve the growing older market: a vast, diverse group of consumers representing every possible level of health and wealth, worth about $8 trillion in the United States alone and climbing. Coughlin provides deep insight into a population that consistently defies expectations: people who, through their continued personal and professional ambition, desire for experience, and quest for self-actualization, are building a striking, unheralded vision of longer life that very few in business fully understand. His focus on women -- they outnumber men, control household spending and finances, and are leading the charge toward tomorrow's creative new narrative of later life -- is especially illuminating. Coughlin pinpoints the gap between myth and reality and then shows businesses how to bridge it. As the demographics of global aging transform and accelerate, it is now critical to build a new understanding of the shifting physiological, cognitive, social, family, and psychological realities of the longevity economy.
Publisher: PublicAffairs
ISBN: 1610396650
Category : Business & Economics
Languages : en
Pages : 330
Book Description
Oldness: a social construct at odds with reality that constrains how we live after middle age and stifles business thinking on how to best serve a group of consumers, workers, and innovators that is growing larger and wealthier with every passing day. Over the past two decades, Joseph F. Coughlin has been busting myths about aging with groundbreaking multidisciplinary research into what older people actually want -- not what conventional wisdom suggests they need. In The Longevity Economy, Coughlin provides the framing and insight business leaders need to serve the growing older market: a vast, diverse group of consumers representing every possible level of health and wealth, worth about $8 trillion in the United States alone and climbing. Coughlin provides deep insight into a population that consistently defies expectations: people who, through their continued personal and professional ambition, desire for experience, and quest for self-actualization, are building a striking, unheralded vision of longer life that very few in business fully understand. His focus on women -- they outnumber men, control household spending and finances, and are leading the charge toward tomorrow's creative new narrative of later life -- is especially illuminating. Coughlin pinpoints the gap between myth and reality and then shows businesses how to bridge it. As the demographics of global aging transform and accelerate, it is now critical to build a new understanding of the shifting physiological, cognitive, social, family, and psychological realities of the longevity economy.
Retirement Heist
Author: Ellen E. Schultz
Publisher: National Geographic Books
ISBN: 1591845653
Category : Political Science
Languages : en
Pages : 0
Book Description
Winner of the 2012 Helen Bernstein Book Award for Excellence in Journalism Hundreds of companies have slashed pensions and health coverage for millions of retirees, claiming that a “perfect storm” of stock market losses, aging workers, and spiraling costs have forced them to take drastic measures. But this so-called retirement crisis is no accident. Ellen E. Schultz, an award-winning investigative reporter formerly of The Wall Street Journal, reveals how large employers and the retirement industry have all played a huge and hidden role in the death spiral of American pensions and benefits. A little over a decade ago, pension plans were fat. But companies used slick accounting and dubious loopholes to turn their pension plans into piggy banks, tax shelters, and profit centers. As pensions weakened, companies slashed benefits for workers while doling out gargantuan pensions to their top executives. Drawing on original analysis of company data, government filings, and confidential memos, Schultz uncovers decades of widespread deception during which employers exaggerated their retiree burdens while tricking employees, misleading shareholders, and lobbying for taxpayer handouts.
Publisher: National Geographic Books
ISBN: 1591845653
Category : Political Science
Languages : en
Pages : 0
Book Description
Winner of the 2012 Helen Bernstein Book Award for Excellence in Journalism Hundreds of companies have slashed pensions and health coverage for millions of retirees, claiming that a “perfect storm” of stock market losses, aging workers, and spiraling costs have forced them to take drastic measures. But this so-called retirement crisis is no accident. Ellen E. Schultz, an award-winning investigative reporter formerly of The Wall Street Journal, reveals how large employers and the retirement industry have all played a huge and hidden role in the death spiral of American pensions and benefits. A little over a decade ago, pension plans were fat. But companies used slick accounting and dubious loopholes to turn their pension plans into piggy banks, tax shelters, and profit centers. As pensions weakened, companies slashed benefits for workers while doling out gargantuan pensions to their top executives. Drawing on original analysis of company data, government filings, and confidential memos, Schultz uncovers decades of widespread deception during which employers exaggerated their retiree burdens while tricking employees, misleading shareholders, and lobbying for taxpayer handouts.
Financial Fresh Start
Author: Shari Olefson
Publisher: AMACOM
ISBN: 0814432301
Category : Business & Economics
Languages : en
Pages : 322
Book Description
Financial Fresh Start sifts through the jargon of significant but little-understood changes to the US financial landscape--including the Dodd-Frank Act, the Making Home Affordable program, and the Consumer Financial Protection Bureau--to shed light on financial reforms and, ultimately, help you reach your financial goals. By taking a big-picture lens to a wide spectrum of money matters, the book provides answers to questions such as: How can you repair your credit quickly and avoid high costs? What are the safest places for saving and investing? Can you legally avoid repaying what you owe? Will your home ever be worth what you paid for it? Is there life after foreclosure? Are you missing out on programs that can put money in your pockets? And is it possible to make up for recent losses and still retire on time? By learning all this and more, and by gaining a deeper understanding of what the new rules and reforms really mean, readers will find the motivation to shake off their malaise and make significant financial changes. Through the application of Shari Olefson’s sound legal, financial, and real estate expertise, those changes will not only result in positive financial decisions--they’ll lead to greater financial freedom.Your credit, savings, employment benefits, real estate value, and investments can be complex and confusing. But successful navigation of financial systems isn’t just for major corporations and the mega-wealthy whose professionals keep them abreast of significant changes. The expert guidance and practical solutions found in Financial Fresh Start offer readers an unprecedented opportunity to right their finances today and improve their outlook for the future.
Publisher: AMACOM
ISBN: 0814432301
Category : Business & Economics
Languages : en
Pages : 322
Book Description
Financial Fresh Start sifts through the jargon of significant but little-understood changes to the US financial landscape--including the Dodd-Frank Act, the Making Home Affordable program, and the Consumer Financial Protection Bureau--to shed light on financial reforms and, ultimately, help you reach your financial goals. By taking a big-picture lens to a wide spectrum of money matters, the book provides answers to questions such as: How can you repair your credit quickly and avoid high costs? What are the safest places for saving and investing? Can you legally avoid repaying what you owe? Will your home ever be worth what you paid for it? Is there life after foreclosure? Are you missing out on programs that can put money in your pockets? And is it possible to make up for recent losses and still retire on time? By learning all this and more, and by gaining a deeper understanding of what the new rules and reforms really mean, readers will find the motivation to shake off their malaise and make significant financial changes. Through the application of Shari Olefson’s sound legal, financial, and real estate expertise, those changes will not only result in positive financial decisions--they’ll lead to greater financial freedom.Your credit, savings, employment benefits, real estate value, and investments can be complex and confusing. But successful navigation of financial systems isn’t just for major corporations and the mega-wealthy whose professionals keep them abreast of significant changes. The expert guidance and practical solutions found in Financial Fresh Start offer readers an unprecedented opportunity to right their finances today and improve their outlook for the future.
Spend 'Til the End
Author: Laurence J. Kotlikoff
Publisher: Simon and Schuster
ISBN: 1416579672
Category : Business & Economics
Languages : en
Pages : 337
Book Description
Rich or poor, young or old, high school or college grad, this book, written by economist Laurence J. Kotlikoff and syndicated financial columnist Scott Burns, can change your life for the better! If you follow the advice in this book, it will raise your living standard (possibly by a lot), improve your lifestyle, and help you spend 'til the end. And it will completely transform your financial thinking, turning every bit of conventional financial wisdom on its head. If this sounds like a revolution in financial planning, you got it. So do The New York Times, The Washington Post, The Wall Street Journal, USA Today, Time, Consumer Reports, and other top publications that have been featuring the authors' economics-based "consumption smoothing" approach to financial planning. Spend 'Til the End substitutes economic wisdom for the "rules of dumb" that currently pass for financial advice. In the process it indicts the investment and financial-planning industry for giving most people saving and insurance targets that are much too high and then convincing them to invest in risky mutual funds and expensive insurance policies. The result is that most people are scrimping and saving during the years when they could be spending and enjoying their money -- and with no sure payoff. Easy to read, this book is packed with practical and often shocking advice on whether to work, how to pick a career, which job to take, where to live, what sort of house to buy, how much to save, when to retire, which kind of retirement account to use, whether to have kids, whether to divorce, when to take Social Security, how fast to spend down your assets in retirement, and how to invest.
Publisher: Simon and Schuster
ISBN: 1416579672
Category : Business & Economics
Languages : en
Pages : 337
Book Description
Rich or poor, young or old, high school or college grad, this book, written by economist Laurence J. Kotlikoff and syndicated financial columnist Scott Burns, can change your life for the better! If you follow the advice in this book, it will raise your living standard (possibly by a lot), improve your lifestyle, and help you spend 'til the end. And it will completely transform your financial thinking, turning every bit of conventional financial wisdom on its head. If this sounds like a revolution in financial planning, you got it. So do The New York Times, The Washington Post, The Wall Street Journal, USA Today, Time, Consumer Reports, and other top publications that have been featuring the authors' economics-based "consumption smoothing" approach to financial planning. Spend 'Til the End substitutes economic wisdom for the "rules of dumb" that currently pass for financial advice. In the process it indicts the investment and financial-planning industry for giving most people saving and insurance targets that are much too high and then convincing them to invest in risky mutual funds and expensive insurance policies. The result is that most people are scrimping and saving during the years when they could be spending and enjoying their money -- and with no sure payoff. Easy to read, this book is packed with practical and often shocking advice on whether to work, how to pick a career, which job to take, where to live, what sort of house to buy, how much to save, when to retire, which kind of retirement account to use, whether to have kids, whether to divorce, when to take Social Security, how fast to spend down your assets in retirement, and how to invest.
The Passion Economy
Author: Adam Davidson
Publisher: Vintage
ISBN: 0385353537
Category : Business & Economics
Languages : en
Pages : 337
Book Description
The brilliant creator of NPR's Planet Money podcast and award-winning New Yorker staff writer explains our current economy: laying out its internal logic and revealing the transformative hope it offers for millions of people to thrive as they never have before. Contrary to what you may have heard, the middle class is not dying and robots are not stealing our jobs. In fact, writes Adam Davidson—one of our leading public voices on economic issues—the twenty-first-century economic paradigm offers new ways of making money, fresh paths toward professional fulfillment, and unprecedented opportunities for curious, ambitious individuals to combine the things they love with their careers. Drawing on the stories of average people doing exactly this—an accountant overturning his industry, a sweatshop owner's daughter fighting for better working conditions, an Amish craftsman meeting the technological needs of Amish farmers—as well as the latest academic research, Davidson shows us how the twentieth-century economy of scale has given way in this century to an economy of passion. He makes clear, too, that though the adjustment has brought measures of dislocation, confusion, and even panic, these are most often the result of a lack of understanding. The Passion Economy delineates the ground rules of the new economy, and armed with these, we begin to see how we can succeed in it according to its own terms—intimacy, insight, attention, automation, and, of course, passion. An indispensable road map and a refreshingly optimistic take on our economic future.
Publisher: Vintage
ISBN: 0385353537
Category : Business & Economics
Languages : en
Pages : 337
Book Description
The brilliant creator of NPR's Planet Money podcast and award-winning New Yorker staff writer explains our current economy: laying out its internal logic and revealing the transformative hope it offers for millions of people to thrive as they never have before. Contrary to what you may have heard, the middle class is not dying and robots are not stealing our jobs. In fact, writes Adam Davidson—one of our leading public voices on economic issues—the twenty-first-century economic paradigm offers new ways of making money, fresh paths toward professional fulfillment, and unprecedented opportunities for curious, ambitious individuals to combine the things they love with their careers. Drawing on the stories of average people doing exactly this—an accountant overturning his industry, a sweatshop owner's daughter fighting for better working conditions, an Amish craftsman meeting the technological needs of Amish farmers—as well as the latest academic research, Davidson shows us how the twentieth-century economy of scale has given way in this century to an economy of passion. He makes clear, too, that though the adjustment has brought measures of dislocation, confusion, and even panic, these are most often the result of a lack of understanding. The Passion Economy delineates the ground rules of the new economy, and armed with these, we begin to see how we can succeed in it according to its own terms—intimacy, insight, attention, automation, and, of course, passion. An indispensable road map and a refreshingly optimistic take on our economic future.
The New Retirement Savings Time Bomb
Author: Ed Slott
Publisher: Penguin
ISBN: 014313454X
Category : Business & Economics
Languages : en
Pages : 450
Book Description
AS SEEN ON PUBLIC TELEVISION New for 2021—The complete action plan from Ed Slott, "the best source of IRA advice" (Wall Street Journal), to help you make sure your 401(k)s, IRAs, and retirement savings aren't depleted by taxes by the time you need to use them. If you're like most Americans, your most valuable asset is your retirement fund. We diligently save money for years, yet most of us don't know how to avoid the costly mistakes that cause a good chunk of those savings to be lost to needless and excessive taxation. Now, in the midst of a financial crisis, there is more need than ever to protect your assets. The New Retirement Savings Time Bomb, by renowned tax advisor Ed Slott, shows you in clear-cut layman's terms how to take control over your retirement savings plan. This easy-to-follow plan helps you place your assets to avoid the latest traps set out by congress in addition to any that might be set down the road, so you can keep your hard-earned money no matter what. And, it's fully up-to date with information on the SECURE Act and everything you need to know about how the coronavirus relief bills will affect your savings down the road. This book is required reading for every American with savings and investments who is planning to retire, be it five years from now or fifty.
Publisher: Penguin
ISBN: 014313454X
Category : Business & Economics
Languages : en
Pages : 450
Book Description
AS SEEN ON PUBLIC TELEVISION New for 2021—The complete action plan from Ed Slott, "the best source of IRA advice" (Wall Street Journal), to help you make sure your 401(k)s, IRAs, and retirement savings aren't depleted by taxes by the time you need to use them. If you're like most Americans, your most valuable asset is your retirement fund. We diligently save money for years, yet most of us don't know how to avoid the costly mistakes that cause a good chunk of those savings to be lost to needless and excessive taxation. Now, in the midst of a financial crisis, there is more need than ever to protect your assets. The New Retirement Savings Time Bomb, by renowned tax advisor Ed Slott, shows you in clear-cut layman's terms how to take control over your retirement savings plan. This easy-to-follow plan helps you place your assets to avoid the latest traps set out by congress in addition to any that might be set down the road, so you can keep your hard-earned money no matter what. And, it's fully up-to date with information on the SECURE Act and everything you need to know about how the coronavirus relief bills will affect your savings down the road. This book is required reading for every American with savings and investments who is planning to retire, be it five years from now or fifty.