Is There A Retirement Crisis An Exploration Of The Current Debate
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Is There A Retirement Crisis An Exploration Of The Current Debate
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Author : George A. (Sandy) Mackenzie
language : en
Publisher:
Release Date : 2020
Is There A Retirement Crisis An Exploration Of The Current Debate written by George A. (Sandy) Mackenzie and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020 with categories.
Is There A Retirement Crisis An Exploration Of The Current Debate
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Author : George A. (Sandy) Mackenzie
language : en
Publisher: CFA Institute Research Foundation
Release Date : 2020-07-03
Is There A Retirement Crisis An Exploration Of The Current Debate written by George A. (Sandy) Mackenzie and has been published by CFA Institute Research Foundation this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020-07-03 with Business & Economics categories.
Many quantitative empirical studies of retirement preparedness find that a substantial number of US households face a potential financial crisis at some point in the future. This monograph provides a critical survey of the most important and best-known of these studies, and it also examines the prospects for other countries. Studies of retirement preparedness vary in complexity and sophistication, and as a result, researchers offer a wide range of forecasts, with some warning of a severe crisis and others being more skeptical about the likely scale of the problem. This monograph appraises the quality of surveyed studies by determining how well each deals with key conceptual issues and how adequately each addresses principal risks. Going beyond the circumstances in the United States, the monograph also provides international perspective by comparing the “macro” and institutional aspects of pension and health systems in a group of eight industrialized countries, including the United States.
Wealth After Work
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Author : William G. Gale
language : en
Publisher: Brookings Institution Press
Release Date : 2021-07-27
Wealth After Work written by William G. Gale and has been published by Brookings Institution Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-07-27 with Business & Economics categories.
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 Financial Crisis Inquiry Report
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Author : Financial Crisis Inquiry Commission
language : en
Publisher: Cosimo, Inc.
Release Date : 2011-05-01
The Financial Crisis Inquiry Report written by Financial Crisis Inquiry Commission and has been published by Cosimo, Inc. this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011-05-01 with Political Science categories.
The Financial Crisis Inquiry Report, published by the U.S. Government and the Financial Crisis Inquiry Commission in early 2011, is the official government report on the United States financial collapse and the review of major financial institutions that bankrupted and failed, or would have without help from the government. The commission and the report were implemented after Congress passed an act in 2009 to review and prevent fraudulent activity. The report details, among other things, the periods before, during, and after the crisis, what led up to it, and analyses of subprime mortgage lending, credit expansion and banking policies, the collapse of companies like Fannie Mae and Freddie Mac, and the federal bailouts of Lehman and AIG. It also discusses the aftermath of the fallout and our current state. This report should be of interest to anyone concerned about the financial situation in the U.S. and around the world.THE FINANCIAL CRISIS INQUIRY COMMISSION is an independent, bi-partisan, government-appointed panel of 10 people that was created to "examine the causes, domestic and global, of the current financial and economic crisis in the United States." It was established as part of the Fraud Enforcement and Recovery Act of 2009. The commission consisted of private citizens with expertise in economics and finance, banking, housing, market regulation, and consumer protection. They examined and reported on "the collapse of major financial institutions that failed or would have failed if not for exceptional assistance from the government."News Dissector DANNY SCHECHTER is a journalist, blogger and filmmaker. He has been reporting on economic crises since the 1980's when he was with ABC News. His film In Debt We Trust warned of the economic meltdown in 2006. He has since written three books on the subject including Plunder: Investigating Our Economic Calamity (Cosimo Books, 2008), and The Crime Of Our Time: Why Wall Street Is Not Too Big to Jail (Disinfo Books, 2011), a companion to his latest film Plunder The Crime Of Our Time. He can be reached online at www.newsdissector.com.
Global Waves Of Debt
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Author : M. Ayhan Kose
language : en
Publisher: World Bank Publications
Release Date : 2021-03-03
Global Waves Of Debt written by M. Ayhan Kose and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-03-03 with Business & Economics categories.
The global economy has experienced four waves of rapid debt accumulation over the past 50 years. The first three debt waves ended with financial crises in many emerging market and developing economies. During the current wave, which started in 2010, the increase in debt in these economies has already been larger, faster, and broader-based than in the previous three waves. Current low interest rates mitigate some of the risks associated with high debt. However, emerging market and developing economies are also confronted by weak growth prospects, mounting vulnerabilities, and elevated global risks. A menu of policy options is available to reduce the likelihood that the current debt wave will end in crisis and, if crises do take place, will alleviate their impact.
Debates
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Author : South Africa. Parliament. House of Assembly
language : en
Publisher:
Release Date :
Debates written by South Africa. Parliament. House of Assembly and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on with South Africa categories.
Vols. 1- cover debates of the House of the 1st- Parliament of the Republic of South Africa.
A Failure Of Capitalism
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Author : Richard A. Posner
language : en
Publisher: Harvard University Press
Release Date : 2011-05-31
A Failure Of Capitalism written by Richard A. Posner and has been published by Harvard University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011-05-31 with Business & Economics categories.
The financial and economic crisis that began in 2008 is the most alarming of our lifetime because of the warp-speed at which it is occurring. How could it have happened, especially after all that we've learned from the Great Depression? Why wasn't it anticipated so that remedial steps could be taken to avoid or mitigate it? What can be done to reverse a slide into a full-blown depression? Why have the responses to date of the government and the economics profession been so lackluster? Richard Posner presents a concise and non-technical examination of this mother of all financial disasters and of the, as yet, stumbling efforts to cope with it. No previous acquaintance on the part of the reader with macroeconomics or the theory of finance is presupposed. This is a book for intelligent generalists that will interest specialists as well. Among the facts and causes Posner identifies are: excess savings flowing in from Asia and the reckless lowering of interest rates by the Federal Reserve Board; the relation between executive compensation, short-term profit goals, and risky lending; the housing bubble fuelled by low interest rates, aggressive mortgage marketing, and loose regulations; the low savings rate of American people; and the highly leveraged balance sheets of large financial institutions. Posner analyzes the two basic remedial approaches to the crisis, which correspond to the two theories of the cause of the Great Depression: the monetarist--that the Federal Reserve Board allowed the money supply to shrink, thus failing to prevent a disastrous deflation--and the Keynesian--that the depression was the product of a credit binge in the 1920's, a stock-market crash, and the ensuing downward spiral in economic activity. Posner concludes that the pendulum swung too far and that our financial markets need to be more heavily regulated. Read Richard Posner's blog, and his latest article in The Atlantic.
Retirementology
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Author : Gregory Salsbury
language : en
Publisher: FT Press
Release Date : 2010-04-25
Retirementology written by Gregory Salsbury and has been published by FT Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010-04-25 with Business & Economics categories.
Bonus content "What's Your Retirementology I.Q.?" included in this digital edition. Looking ahead to retirement? Depending on your circumstances and your age, you may no longer have any margin for error. And your emotions and irrational behavior could be perpetuating a dangerous cycle of overspending and rising debt that may shatter whatever vision of retirement you still have. Welcome to the world of Retirementology. Retirementology bridges retirement planning with investor psychology and the market Meltdown of 2008 to produce an entirely new way of thinking about how we spend, how we save, how we borrow, and how we invest. Financial mistakes are deeply rooted in human nature, but you may be able to overcome them--if you understand the breakthrough principles of behavioral economics and apply them in your own retirement planning. Dr. Gregory Salsbury identifies some of the classic cognitive biases and behavioral mistakes most of us keep making when it comes to retirement planning. For example: Why will people drive 45 minutes to use a $2.00 coupon? Why won’t people sell a poor performing stock just because they inherited it from grandma? Why do people spend differently with a credit card than they do with cash? Why do people believe that they paid no income taxes because they received a refund? You’ll learn why the financial meltdown has amplified the impact of these all-too-human cognitive mistakes and discover ideas for addressing them. The bottom line for your bottom line is that retirement can no longer be ignored, viewed as a single event, relegated to a “zone,” or romanticized. Instead, you must understand how every spending and financial decision you make from here on can impact the way you will spend your golden years. Retirementology attempts to help you do just that. Retirement planning: right brain versus left brain Why these different areas of the brain impact financial decisions--and what to do about it It’s real money! “De-layering” your finances How to overcome the psychological tricks that separate you from your money Family matters: managing financial support decisions for your extended family Choosing between your family or your retirement Get “long-term smart” How longevity, inflation, volatility, and your own expectations impact your retirement goals
Coaching For Retirement
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Author : Angela Mulvie
language : en
Publisher: Taylor & Francis
Release Date : 2023-12-18
Coaching For Retirement written by Angela Mulvie and has been published by Taylor & Francis this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-12-18 with Business & Economics categories.
Retirement is a time of both challenge and opportunity, which can be a daunting prospect. This highly practical book, written for coaches and HR professionals who are supporting others through the process, shows what can be done to help people towards a successful change in their lives and circumstances as they move towards post-employment. Coaching for Retirement explores how to coach people towards sound planning for and management of retirement, from both an employer and employee perspective. The book considers how coaching has evolved to include retirement coaching as a growing specialism, and how retirement itself is changing because of a range of social, economic and political factors, both in the UK and globally. As a recent retiree herself, as well as an experienced coach, Angela Mulvie provides useful and interesting insights into the factors impacting how people plan and prepare for this next stage, answering key questions such as: How can the pre-retirement needs of staff be determined? How might retirement coaching support the decision-making processes involved? What options might individuals consider, e.g. part-time work, volunteering, pursuit of a second/portfolio career, new learning opportunities, etc.? What financial implications do people need to explore and how can these be prioritized? How can emotional aspects of retirement – health, wellbeing and relationships – be supported? What tools are available to support people in planning their retirement? As organizations are increasingly recognizing the importance of providing support to employees at all stages of their careers, this is an essential resource for coaches, HR professionals and all professionals involved in retirement planning.
The United States And Greek Turkish Relations
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Author : Spyros Katsoulas
language : en
Publisher: Routledge
Release Date : 2021-12-30
The United States And Greek Turkish Relations written by Spyros Katsoulas and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-12-30 with Political Science categories.
This book examines the role of the United States in Greek–Turkish relations and fills an important gap in alliance theory regarding the guardian’s dilemma. The strategy of a great power involves not only tackling threats from enemies, but also dealing with problems that arise between allies. Every time Greece and Turkey threatened to go to war against each other, the United States had to effectively restrain its two strategic allies without straining relations with either one of them. This book explores how the United States responded to the guardian’s dilemma in six crises during the Cold War, pursuing a policy of dual restraint to prevent an intra-alliance conflict, mitigate the consequences of each crisis, and maintain effective control of the Rimland Bridge. From a neoclassical-realist standpoint, the book examines how the United States responded to each Greek–Turkish crisis, for what reasons, and with what results. It will be of interest to scholars of foreign policy, security studies, geopolitics, and international relations.