The Silent Retirement Crisis
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The Silent Retirement Crisis
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Author : Cindy Couyoumjian
language : en
Publisher: Greenleaf Book Group
Release Date : 2023-10-31
The Silent Retirement Crisis written by Cindy Couyoumjian and has been published by Greenleaf Book Group this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-10-31 with Business & Economics categories.
Retirement does not have to be stressful and scary. With proper planning, Americans can not only retire comfortably: They can also prosper. Cindy Couyoumjian’s third book explores the silent retirement crisis that will impact millions of Americans. She uses the term silent to convey the idea that the majority of those who are about to retire, or are in retirement, share a common and unspoken fear—running out of money. Couyoumjian asserts that the anxiety people have about their retirement is not a misdirected emotion. We are led to believe that the fear (silent as it is) is due to our lack of financial literacy or not having a financial plan in place. While some of this is true, it’s not totally our fault: Her book addresses the big-picture, systemic problems that conspire against average Americans while favoring the wealthy few. The first third of the book explores how broken capitalism has contributed to our broken retirement system. The second third offers us a new way of thinking and investing, underscoring how university endowments have achieved extraordinary return by using a multi-asset class investment approach. Part III offers meaningful solutions to the retirement crisis. The author introduces us to her flexible and customizable REALM model designed to potentially protect clients from sudden market losses. Also included is other valuable information such as estate planning, tax strategies, 401(k) rollover options, life insurance, and long-term care initiatives. Couyoumjian shows us that retirement planning isn’t just savings and investing. With an umbrella of other planning items, we can take action to make the difference between an anxious retirement defined by uncertainty and a comfortable one, grounded in prosperity. Founder of Cinergy Financial, Cindy Couyoumjian believes financial literacy is a moral imperative and has dedicated her professional life to helping people understand the constantly evolving financial and economic landscape. With 37 years of industry experience, she is a leader in the financial industry, managing over $200,000,000 in assets. She is the author of two previous best-selling books, Redefining Financial Literacy, (2021) and The Rise of Women and Wealth (2022). She has appeared on NBC, CBS, FOX 40, talk radio AM870 and 790 KABC, and was a brand contributor to Forbes in 2020. Her dedication and commitment to empower with facts, not fear, are unwavering as she continues to educate and guide her clients toward their individualized financial goals and objectives.
Santa S Retirement Crisis
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Author : StoryBuddiesPlay
language : en
Publisher: StoryBuddiesPlay
Release Date : 2024-10-18
Santa S Retirement Crisis written by StoryBuddiesPlay and has been published by StoryBuddiesPlay this book supported file pdf, txt, epub, kindle and other format this book has been release on 2024-10-18 with Juvenile Fiction categories.
In "Santa's Retirement Crisis," the beloved Santa Claus is ready to hang up his red suit and retire, but finding a suitable replacement proves to be a chaotic and whimsical adventure. As potential successors ranging from quirky elves to eager reindeer audition for the role, the North Pole buzzes with laughter and mishaps. Jingle, a cheerful elf, teams up with Dasher, a determined reindeer, and Pip, a clever storyteller, as they face unexpected challenges, including a fierce winter storm and a heartwarming rescue mission. Through it all, they learn the true meaning of Christmas kindness, joy, and the importance of coming together. Will they prove that the spirit of Christmas can thrive in their hands? Join them on this enchanting journey that captures the essence of the holiday season. Santa Claus, Christmas, holiday adventure, North Pole, elves, reindeer, retirement, children's story, festive chaos, Christmas spirit
Global Pension Crisis
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Author : Richard A. Marin
language : en
Publisher: John Wiley & Sons
Release Date : 2013-10-14
Global Pension Crisis written by Richard A. Marin and has been published by John Wiley & Sons this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-10-14 with Business & Economics categories.
A comprehensive look at the crisis of unfunded pension liabilities and what must be done to avoid the same problem in the future As the generational bubble of the Baby Boomers begins to retire, it is increasingly evident that governments, corporations, and individuals have failed to adequately prepare for the obligations and needs of this giant cohort. Retirees are outliving actuarial life expectancies, pension liabilities are skyrocketing, pension plans are underfunded, and medical costs rise, the United States alone can expect unfunded liabilities to exceed $4 trillion. Even while the American economy shows signs of sustained recovery, states and local governments will still experience sharp increases in pension fund payments through the next year or longer. Global Pension Crisis looks at this situation and offers practical advice for retirement plan managers and financial advisors, while also explaining how to strengthen pensions and prevent similar crises in the future. Offers a clear and comprehensive explanation of the current pension crisis for retirement fund managers, financial advisors, and economists Includes prescriptive guidance on how to strengthen the pension fund system and prevent another similar crisis Written by venture capitalist, entrepreneur, and former senior Wall Street executive Rich Marin
Rescuing Retirement
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Author : Teresa Ghilarducci
language : en
Publisher: Columbia Business School Publi
Release Date : 2018
Rescuing Retirement written by Teresa Ghilarducci and has been published by Columbia Business School Publi this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018 with Business & Economics categories.
In Rescuing Retirement, Teresa Ghilarducci and Tony James offer a comprehensive yet simple plan to help workers save for retirement, increase retirement savings by earning higher returns, and guarantee lifelong income for everyone. It offers a practical guide to the future of secure retirement.
The Pension Crisis
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Author : Robert J. Lynn
language : en
Publisher: Free Press
Release Date : 1983
The Pension Crisis written by Robert J. Lynn and has been published by Free Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 1983 with Business & Economics categories.
Redefining Financial Literacy
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Author : Cindy Couyoumjian
language : en
Publisher: Greenleaf Book Group
Release Date : 2021-04-06
Redefining Financial Literacy written by Cindy Couyoumjian and has been published by Greenleaf Book Group this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-04-06 with Business & Economics categories.
Redefining and Reclaiming Financial Literacy With over thirty-six years of industry experience, Cindy Couyoumjian is committed to filling the financial literacy void for many Americans. In her timely and thought-provoking book, Cindy gives a unique macro perspective of what she calls “the hidden forces behind your money,” which are the unseen political and economic forces that may influence your investment decisions. Through meticulous research, Cindy shows how these hidden forces have contributed to a complex retirement system, which includes pensions, social security, and what she believes is the outdated 60/40 investment model. To address this issue, Cindy spent endless hours developing a new multi-asset class investment methodology, known as the REALM model, that may offer broader investment strategies aimed to mitigate risk from the hidden forces that may negatively impact your goals. Redefining Financial Literacy can help you • Understand the complex macro forces that you cannot control, yet could determine your financial future, • Take actionable steps to regain command of your retirement strategy, • Build a retirement with potential durable income strategies, lesser volatility, and risk-adjusted returns. Redefining Financial Literacy and Cindy’s innovative REALM model can open your eyes to investment possibilities while helping you regain confidence in the American dream. Diversification does not guarantee profit nor is it guaranteed to protect assets. There is no assurance that any strategy/model will achieve its objectives. Registered Principal offers securities and advisory services through Independent Financial Group, LLC (IFG), a Registered Investment Adviser. Member FINRA/SIPC. IFG, Cinergy Financial, and Greenleaf Book Group are not affiliated companies.
How To Invest
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Author : David M. Rubenstein
language : en
Publisher: Simon and Schuster
Release Date : 2022-09-13
How To Invest written by David M. Rubenstein and has been published by Simon and Schuster this book supported file pdf, txt, epub, kindle and other format this book has been release on 2022-09-13 with Business & Economics categories.
NEW YORK TIMES BESTSELLER A master class on investing featuring conversations with the biggest names in finance, from the legendary cofounder of The Carlyle Group, David M. Rubenstein. What do the most successful investors have in common? David M. Rubenstein, cofounder of one of the world’s largest investment firms, has spent years interviewing the greatest investors in the world to discover the time-tested principles, hard-earned wisdom, and indispensable tools that guide their practice. Rubenstein, who has spent more than three decades in the hypercompetitive world of private equity, now distills everything he’s learned about the art and craft of investing, from venture capital, real estate, private equity, hedge funds, to crypto, endowments, SPACs, ESG, and more. -How did Stan Druckenmiller short the British pound in one trade for a profit of $1 billion dollars? -What made Sam Zell the smartest, toughest investor the world of real estate has ever seen? -How did Mike Novogratz make $250 million off crypto in one year? -How did Larry Fink build BlackRock from scratch into a firm that manages more than $10 trillion? -How did Mary Callahan Erdoes rise to the top of J.P. Morgan’s wealth management division to manage more than $4 trillion for individuals and families all over the world? -How did Seth Klarman perfect value investing to consistently deliver net returns of nearly 20 percent? With unprecedented access to global leaders in finance, Rubenstein has assembled the most authoritative book of its kind. How to Invest reveals the thinking of the most successful investors in the world, many of whom rarely speak publicly. Whether you’re brand-new to investing or a seasoned professional, this book will transform the way you approach investing forever.
The Human Odyssey
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Author : Thomas Armstrong
language : en
Publisher: Sterling Publishing Company, Inc.
Release Date : 2008-08
The Human Odyssey written by Thomas Armstrong and has been published by Sterling Publishing Company, Inc. this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008-08 with Psychology categories.
Many excellent volumes have been devoted to some of the key chapters in our lives, from classics on early childhood and the teen years to bestsellers that identify pivotal phases in adulthood. But renowned educator, parenting expert, veteran workshop leader, and successful author Thomas Armstrong, PhD covers the entire journey.
The Steelworkers Retirement Security System
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Author : Glenn Beamer
language : en
Publisher: Bloomsbury Publishing PLC
Release Date : 2016-05-12
The Steelworkers Retirement Security System written by Glenn Beamer and has been published by Bloomsbury Publishing PLC this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-05-12 with Political Science categories.
The Steelworkers' Retirement Security System: A Worker-based Model for Community Investment articulates a new model for economic security based upon steelworkers’ pension provisions and labor politics after World War II. Labor’s collective bargaining agreements created interdependent commitments that sustained jobs and stabilized communities. The evidence in The Steelworkers' Retirement Security System includes an empirical analysis of United States steel towns and case studies of Weirton, West Virginia, Bethlehem, Pennsylvania, and Johnstown, Pennsylvania. By understanding the politics that bound firms and workers together and adapting these commitments to the post-industrial economy, The Steelworkers' Retirement Security System offers a new means by which communities can provide workers security and economic growth. This new model, the Guaranteed Pension and Community Investment plan, provide workers with lifetime retirement annuities and communities with reliable investment capital.
Yes You Can Still Retire Comfortably
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Author : Ben Stein
language : en
Publisher: Hay House
Release Date : 2005
Yes You Can Still Retire Comfortably written by Ben Stein and has been published by Hay House this book supported file pdf, txt, epub, kindle and other format this book has been release on 2005 with Business & Economics categories.
Outlines how baby-boomers can plan for retirement, discussing how to invest to get the maximum return from savings and how to use an established nest egg to get the most income.