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Author: United States. Congress
Publisher: Createspace Independent Publishing Platform
ISBN: 9781983917899
Category :
Languages : en
Pages : 84
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Book Description
Securing retirement coverage for future generations : hearing before the Subcommittee on Health, Employment, Labor and Pensions, Committee on Education and Labor, U.S. House of Representatives, One Hundred Tenth Congress, first session, hearing held in Washington, DC, November 8, 2007.
Author: United States. Congress
Publisher: Createspace Independent Publishing Platform
ISBN: 9781983917899
Category :
Languages : en
Pages : 84
Get Book Here
Book Description
Securing retirement coverage for future generations : hearing before the Subcommittee on Health, Employment, Labor and Pensions, Committee on Education and Labor, U.S. House of Representatives, One Hundred Tenth Congress, first session, hearing held in Washington, DC, November 8, 2007.
Author: United States. Congress. House. Committee on Education and Labor. Subcommittee on Health, Employment, Labor, and Pensions
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 88
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Book Description
Author: National Research Council
Publisher: National Academies Press
ISBN: 0309261961
Category : Social Science
Languages : en
Pages : 230
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Book Description
The United States is in the midst of a major demographic shift. In the coming decades, people aged 65 and over will make up an increasingly large percentage of the population: The ratio of people aged 65+ to people aged 20-64 will rise by 80%. This shift is happening for two reasons: people are living longer, and many couples are choosing to have fewer children and to have those children somewhat later in life. The resulting demographic shift will present the nation with economic challenges, both to absorb the costs and to leverage the benefits of an aging population. Aging and the Macroeconomy: Long-Term Implications of an Older Population presents the fundamental factors driving the aging of the U.S. population, as well as its societal implications and likely long-term macroeconomic effects in a global context. The report finds that, while population aging does not pose an insurmountable challenge to the nation, it is imperative that sensible policies are implemented soon to allow companies and households to respond. It offers four practical approaches for preparing resources to support the future consumption of households and for adapting to the new economic landscape.
Author: Vijay Gupta
Publisher: eInitial Publication
ISBN:
Category : Business & Economics
Languages : en
Pages : 47
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Book Description
Secure Futures is your go-to guide for navigating the complex world of retirement planning with confidence and clarity. Whether you're just starting your career or nearing retirement age, this comprehensive ebook provides essential information and practical advice to help you secure a financially stable and fulfilling retirement. From understanding the importance of early planning to navigating investment options, managing debt, minimizing taxes, and preparing for unexpected events, Secure Futures covers all aspects of retirement planning in detail. Each chapter offers valuable insights, actionable strategies, and expert tips to empower you to make informed decisions and achieve your retirement goals. Discover how to assess your current financial situation, set realistic retirement goals, and develop a personalized savings strategy that aligns with your objectives. Learn about different retirement accounts and investment options, risks and rewards associated with various investments, and strategies for maximizing retirement contributions. Explore topics such as managing debt and expenses, minimizing taxes, planning for healthcare and long-term care, and preparing for unexpected events to ensure financial security in retirement. Gain valuable insights into transitioning into retirement, managing retirement withdrawals, and adjusting to changes in income and lifestyle. Secure Futures also covers essential aspects of estate planning and legacy, including creating or updating your will and estate plan, designating beneficiaries for retirement accounts, and leaving a financial legacy for future generations. With practical advice, real-life examples, and easy-to-follow guidelines, this ebook equips you with the knowledge and tools you need to plan for a secure and fulfilling retirement. Whether you're a young professional just starting your career or a seasoned investor approaching retirement age, Secure Futures offers valuable guidance and resources to help you navigate the complexities of retirement planning with confidence and peace of mind. Take control of your financial future today and embark on the path to a secure and prosperous retirement with Secure Futures as your trusted companion.
Author: Kala E. Upshaw
Publisher:
ISBN: 9781607417521
Category : Pensions
Languages : en
Pages : 0
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Book Description
This book discusses the retirement system in the U.S. beyond Social Security. The Education and Labor Committee is exploring the shortcomings in our nation's retirement system and looking at solutions so that Americans can enjoy a safe and secure retirement. The current economic crisis has exposed deep flaws in our nation's retirement system. These flaws were mostly hidden when the market was doing well. Since the beginning of the crisis, trillions of dollars have evaporated from workers' 401(k) accounts. Millions of workers have seen a significant portion of their retirement balance vanish in just a few short months. The decline has forced many workers to consider postponing retirement or rejoining the workforce if they have already retired. For many retirees coping with rising costs for health care and other basic expenses, this loss in income is simply devastating. While fully restoring the lost wealth of the baby boom cohorts may not prove feasible, Congress can take effective steps to create a better retirement system for future generations. This can done at no cost to taxpayers, simply by having the government assume market risk by averaging returns over time. There are no economic or administrative obstacles to going this route, it is simply a question of political will. In any case, the message is that we need more organised retirement savings. A declining Social Security system and fragile 401(k) plans will not be enough for future retirees.
Author: United States. Congress. House. Committee on Financial Services. Subcommittee on Capital Markets, Insurance, and Government Sponsored Enterprises
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 150
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Book Description
Author: Alicia H. Munnell
Publisher: Rowman & Littlefield
ISBN: 0815701454
Category : Business & Economics
Languages : en
Pages : 218
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Book Description
Daily headlines warn American workers that their retirement years may be far from golden. The main components of the retirement income system—Social Security and employer-provided pensions and health insurance—are in decline while the amount of income needed for a comfortable retirement continues to rise. In Working Longer, Alicia Munnell and Steven Sass suggest a simple solution to this problem: postponing retirement by two to four years. By following their advice, the average worker retiring in 2030 can be as well off as today's retirees. Implementing this solution on a national scale, however, may not be simple. Working Longer investigates the prospects for moving the average retirement age from 63, the current figure, to 66. Munnell and Sass ask whether future generations will be healthy enough to work beyond the current retirement age and whether older men and women want to work. They examine companies' incentives to employ older works and ask what government can do to promote continued participation in the workforce. Finally, they consider the challenge of ensuring a secure retirement for low-wage workers and those who are unable to continue to work. The retirement system faces very real challenges. But together, workers, employers, and the government can keep this vital piece of the American dream alive.
Author: Trudy Lieberman
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 392
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Book Description
Packed with expert advice and up-to-date information, How to Plan for a Secure Retirement is designed to help you make the most of your retirement - regardless of your age, income, assets, or personal circumstances. A comprehensive reference source and practical adviser, How to Plan for a Secure Retirement takes you step-by-step through each of the four major categories of retirement planning: income, health care, housing, and estate planning. Younger readers will find hands-on support in getting started and building a retirement nest egg. Older readers will learn how to tap the equity in their homes, avoid redundant health insurance policies, and set up trusts. All readers will benefit from savings and investment strategies, tax tips, cautions to keep in mind when investing, and pointers on coping with inflation. Featuring charts, listings of government agencies and pertinent organizations, plus convenient, easy-to-use worksheets, How to Plan for a Secure Retirement covers pension plans, including IRAs, Keoghs, and 401(k) plans; Social Security; annuities; life insurance; Medicare, Medicaid, and supplementary health insurance; and continuing-care communities. It offers practical suggestions on how to maximize housing tax breaks and minimize estate taxes. In addition, it discusses such critical issues as early retirement, catastrophic health insurance, choosing the best investments, making a living will, converting savings into a steady income stream, selecting a legal or professional financial adviser, and appointing an executor. Whether you are in mid-career, approaching retirement, or already retired, How to Plan for a Secure Retirement can be a prudent investment - one that will paydividends many times over in enhancing your life after work and ensuring your peace of mind.
Author: Barry Leonard
Publisher: DIANE Publishing
ISBN: 9781422319024
Category : Business & Economics
Languages : en
Pages : 32
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Book Description
Many people mistakenly believe that Social Security (SS) will pay for all or most of their retire. needs, but the fact is, since its inception, SS has provided little protection. A comfortable retire. usually requires SS, pensions, personal savings & invest. The key tool for making a secure retire. a reality is financial planning. It will help clarify your retire. goals as well as other financial goals you want to ¿buy¿ along the way. It will show you how to manage your money so you can afford today¿s needs yet still fund tomorrow¿s. You¿ll learn how to save your money to make it work for you & how to protect it so it will be there when you need it. Explains how you can take the best advantage of retire. plans at work, & what to do if you¿re on your own. Illustrations.
Author: Martin Feldstein
Publisher: University of Chicago Press
ISBN: 0226241823
Category : Political Science
Languages : en
Pages : 484
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Book Description
This volume represents the most important work to date on one of the pressing policy issues of the moment: the privatization of social security. Although social security is facing enormous fiscal pressure in the face of an aging population, there has been relatively little published on the fundamentals of essential reform through privatization. Privatizing Social Security fills this void by studying the methods and problems involved in shifting from the current system to one based on mandatory saving in individual accounts. "Timely and important. . . . [Privatizing Social Security] presents a forceful case for a radical shift from the existing unfunded, pay-as-you-go single national program to a mandatory funded program with individual savings accounts. . . . An extensive analysis of how a privatized plan would work in the United States is supplemented with the experiences of five other countries that have privatized plans." —Library Journal "[A] high-powered collection of essays by top experts in the field."—Timothy Taylor, Public Interest
