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Author : Steven S. Shagrin
Publisher : H. W. Wilson
Page : 0 pages
File Size : 43,6 Mb
Release : 2000
Category : Life care communities
ISBN : 0824209699
Author : Anonim
Publisher : Unknown
Page : 76 pages
File Size : 49,7 Mb
Release : 1998
Category : Older people
ISBN : UIUC:30112043343935
Author : Anonim
Publisher : Unknown
Page : 108 pages
File Size : 47,9 Mb
Release : 2007
Category : Older people
ISBN : WISC:89119734713
Author : Dora L. Costa
Publisher : University of Chicago Press
Page : 260 pages
File Size : 52,8 Mb
Release : 1998-06-22
Category : Business & Economics
ISBN : 0226116085
The Evolution of Retirement is the first comprehensive economic history of retirement in America. With life expectancies steadily increasing, the retirement rate of men over age 64 has risen drastically. Dora L. Costa looks at factors underlying this increase and shows the dramatic implications of her findings for both the general public and the U.S. government. Costa argues that the rise of retirement is the result of a culmination of historical trends initiated more than a century ago, not the consequence of abrupt social or institutional change. She attributes much of the long-term increase in retirement rates to steadily rising income, but argues that increased income is not the sole explanation. Over the course of this century, men's retirement decision has become less sensitive to increases or decreases in income, perhaps because retirement has become a time of discovery and personal fulfillment, rather than a time of withdrawal from activities and dependence on family. Using statistical and demographic concepts, Costa explains trends in retirement data. Her examination sheds light on such important topics as rising incomes and retirement, work and disease, the job prospects of older workers, living arrangements of the elderly, the development of a retirement lifestyle, and pensions, and politics. She concludes with a look into the future and further evolution of retirement, addressing perhaps the most vexing problem of retirement policy, the impact of the aging Baby Boom generation on the Social Security System.
Author : John G. Anderson
Publisher : Createspace Independent Pub
Page : 134 pages
File Size : 40,6 Mb
Release : 2012-10-17
Category : Business & Economics
ISBN : 1477660607
If you were to read much of the financial literature that is published for those nearing retirement age, you would be hard-pressed not to believe that most Americans are retiring at age 60 with multi-million dollar investment portfolios earning 10 percent annual returns. However, the facts present a much more depressing picture for the majority of Americans nearing retirement. From 2007 to 2010, U.S. median household net worth fell by a staggering 38 percent. And as of 2012, more than 67 percent of Americans 65 and older have less than $50,000 in savings, aside from the value of their residence. With an average personal savings rate at a historical low of only 3.6 percent and median annual income of only $37,625, American's are currently saving less than $1,340 per year. And with the average Social Security retirement payment at only $1,233 per month, it becomes apparent that most Americans today have grossly inadequate investments and income-producing assets necessary to afford a retirement beyond mere subsistence. In other words, most people in the United States have no other options except to retire into poverty. A common bit of advice given by financial planners to soon-to-be retirees is to postpone retirement, to keep working, or if separated from your profession, to take a low-wage job. Statistical evidence suggests that people should never quit working at something – if they're interested in a long life. However, working at menial jobs for minimum wage is far different than working for yourself at something that holds your interest and provides personal satisfaction. In planning for your retirement, you should keep in mind also that retiring at an age that is too old to physically enjoy the activities of your interests will not be a very happy scenario. Nevertheless, the only reason why this advice is so often and so glibly served up is because financial planners generally have no other solutions to offer. The truth is, the last thing someone at age 60 wants to be doing is working at a low-wage job or wasting away in substandard living conditions. At the same time, the prospect of life without an income other than perhaps rapidly-diminishing Social Security income is nothing more than depressing. Yet, this is the reality for most Americans – not seven-figure investment portfolios. There is no question that the economy presents a very difficult and sometimes even hostile environment in which to retire. And statistical evidence suggests that this environment will continue to deteriorate for a period lasting well into the foreseeable future. Even if your financial condition is relatively affluent and your retirement income is to include a life-long pension, your financial security in retirement is subject to unprecedented and potentially-destructive conditions. Such conditions as high inflation, price controls, commodity shortages and increased taxes could devastate even the healthiest portfolios. These conditions will not simply go away and it is unlikely that any meaningful solution is politically possible. The official course of action is to do what the federal government has been doing somewhat successfully for decades – ignore the problem. The consequences of this, however, will lead to a devestated economic environment. The U.S. and the world are far into unchartered territory with such conditions, so it is impossible to know exactly how events will unfold. But in planning for your retirement, you would be wise to consider these facts and the potential risks that they pose to your physical and financial security. The good news is that there are steps that you can take to protect yourself from the intensifying hardships. The solutions presented here are available to anyone, rich or poor, who is willing to create value through dedication and hard work.
Author : Anonim
Publisher : Unknown
Page : 108 pages
File Size : 49,6 Mb
Release : 1934
Category : Civil service
ISBN : OSU:32435066737396
Author : Stephen Anderson
Publisher : CreateSpace
Page : 586 pages
File Size : 52,7 Mb
Release : 2011-10-28
Category : Mexico
ISBN : 146353745X
There are tens of millions of people at, or approaching, retirement age. With the economic conditions in the United States, combined with the high cost of living in both Canada and the US, more and more people are looking at other countries in which to spend their golden years and make their hard earned dollars stretch further. A very popular choice is Mexico. The weather, the mountains and beaches, the lower cost of living, and the proximity to the US make it a natural for this country to be seriously considered. So, what makes this book different? Unlike everything we have read, or seen, on Mexico previously, it takes a good hard look at what life in this country is really like and what we have personally experienced in our seven years since retiring. While other authors talk about Mexico being nothing short of The Garden of Eden, I have not sugar coated anything. Mexico is anything but the Garden of Eden or paradise. It can be a fantastic place in which to live or retire, but it can also be your worst nightmare if you are not made aware of the problems that exist here as well. Too many people have moved down, basing their decision on what they have read in books, not having friends or relatives here that can hopefully give them actual facts, and had their retirement dreams completely shattered. I want to try and prevent this from happening to you. This book is divided into six sections. The first talks about how I first found out about the Lake Chapala area, a day by day account of Sarah and I first visiting here, buying a house, and everything we did and went through until we closed on our new home. It is important as many people, like us, come down and think it is such a wonderful place and full of wonderful people and find out afterwards that may not be the case. Section 2 covers the time period between closing on our home and actually moving here. It goes over getting our visas and what was required, the drive from the border to San Juan Cosala, remodeling our home, and our first introduction to the lack of consumer protection in this country. Section 3 goes over our lives in Mexico as we first found it. Living here was certainly different than in the United States and was really good. It was not until later that we started discovering another side of Mexican life. Section 4 is entitled The Good. There are a lot of terrific things about living in Mexico. It is what we ourselves have found to be the attributes of this country and why so many have, and are continuing to, retire here. Section 5, I have called The Bad. No matter where one lives, there is always the good about an area and there are always some things to complain about. If you have never lived in a foreign country, this is an important section as it discusses a lot of different aspects of life, costs that people are often not aware of until after they have moved, and a lot of pertinent facts that could impact your decision to move to Mexico, or your lives after you get here. One thing you will find of importance is a very realistic look at the monthly expenditures and not the ones that leave so many items out to deceive you. Section 6, The Ugly, is one you should pay particular attention to. It is probably the main reason for writing this book as you need to be aware of what not only happened to my wife and I but to so many of the other Americans and Canadians that live here. This is a country of crime and corruption and foreigners are the targets of choice. This section covers most of the things you should definitely know about because, without it, you can easily lose a few pesos to your entire life savings. Its intent is to safeguard your money so you can truly enjoy your retirement years.
Author : Anonim
Publisher : Unknown
Page : 20 pages
File Size : 41,7 Mb
Release : 2001
Category : Disability insurance
ISBN : PURD:32754070198712
Author : Kathleen Peddicord
Publisher : Penguin
Page : 304 pages
File Size : 41,7 Mb
Release : 2010-03-18
Category : Business & Economics
ISBN : 9781101186046
The definitive guide for anyone dreaming of living in paradise when they retire. Whether motivated by a desire for adventure, or the need to make the most of a diminished nest egg, more and more Americans are considering an overseas retirement. Drawing on her more than three decades of experience helping people relocate happily and successfully, Kathleen Peddicord shows how living in an unconventional retirement destination can cost less than a traditional home in Florida or Arizona. Peddicord addresses all of the essential issues, including: • Finding a home to own or rent • Researching and understanding your tax liability • Obtaining health insurance and medical care • Avoiding common mistakes and pitfalls • Opening a bank account Whether readers are interested in relatively unknown havens like Nicaragua, well-traveled areas in Italy, or need some help deciding, How to Retire Overseas is the ultimate guide to making retirement dreams come true.
Author : Steven S. Shagrin
Publisher : H. W. Wilson
Page : 782 pages
File Size : 40,9 Mb
Release : 2000
Category : Business & Economics
ISBN : 0824209699
Author : National Academies of Sciences, Engineering, and Medicine,Division of Behavioral and Social Sciences and Education,Committee on Population
Publisher : National Academies Press
Page : 409 pages
File Size : 42,7 Mb
Release : 2018-07-21
Category : Social Science
ISBN : 9780309474108
Almost 25 years have passed since the Demography of Aging (1994) was published by the National Research Council. Future Directions for the Demography of Aging is, in many ways, the successor to that original volume. The Division of Behavioral and Social Research at the National Institute on Aging (NIA) asked the National Academies of Sciences, Engineering, and Medicine to produce an authoritative guide to new directions in demography of aging. The papers published in this report were originally presented and discussed at a public workshop held in Washington, D.C., August 17-18, 2017. The workshop discussion made evident that major new advances had been made in the last two decades, but also that new trends and research directions have emerged that call for innovative conceptual, design, and measurement approaches. The report reviews these recent trends and also discusses future directions for research on a range of topics that are central to current research in the demography of aging. Looking back over the past two decades of demography of aging research shows remarkable advances in our understanding of the health and well-being of the older population. Equally exciting is that this report sets the stage for the next two decades of innovative researchâ€"a period of rapid growth in the older American population.
Author : Mark Miller
Publisher : John Wiley & Sons
Page : 263 pages
File Size : 53,6 Mb
Release : 2010-06-15
Category : Business & Economics
ISBN : 9780470908341
A timely guide to overcoming the retirement challenges we all face The Great Recession has placed a wake-up call to America's baby boomers. Many have not saved enough for retirement and have not taken a hard look at how many post-work years they may need to finance. Written in a straightforward and accessible style, The Hard Times Guide to Retirement Security tackles the tough questions about retirement in the new post-crash economy. Page by page, it puts retirement in perspective by touching on important issues such as insuring against the risk of outliving your assets, recalibrating damaged retirement portfolios, managing the risk of health-care expenses in retirement, and career strategies for workers who are 50 years old and up. Reveals how to boost lifetime income through better planning, and working just a few additional years Offers advice on how to hire a financial advisor whose first loyalty is to you, not Wall Street Discusses why you should rethink housing in the wake of the real estate crash Offers detailed advice on career reinvention, the 50+ job market and midlife entrepreneurship Engaging and informative, this practical guide provides the strategies needed for a truly fulfilling and secure retirement.
Author : United States. Bureau of Labor Statistics
Publisher : Unknown
Page : 740 pages
File Size : 42,9 Mb
Release : 1957
Category : Employment forecasting
ISBN : IND:30000089076727
Author : Michele Cagan
Publisher : Adams Media
Page : 272 pages
File Size : 52,5 Mb
Release : 2019-12-24
Category : Business & Economics
ISBN : 9781507212240
A comprehensive and easy-to-understand guide to the ins and outs of retirement planning—the key resource for creating a retirement you can live on! How much do I need to retire? Can I retire early? What’s the retirement age, anyway? No matter whether you are 25, 65, or any age in between, you probably have questions about retirement and knowing the answers is the key to planning your future. Whether you want to retire as soon as possible or are looking forward to continuing to work in some form for as long as you can, Retirement 101 guides you through each step as you approach this important milestone. From how to save for the day when you stop—or scale back—working to smart investment strategies to the best states to retire in to how to calculate your benefits, Retirement 101 helps you create a retirement plan to accomplish your goals, whatever they are.
Author : Emily Guy Birken
Publisher : Simon and Schuster
Page : 197 pages
File Size : 44,5 Mb
Release : 2015-09-04
Category : Business & Economics
ISBN : 9781440586569
As seen in Woman's Day, US News & World Report, and Money Magazine Uncover the truth about planning for retirement! From financial advisors and pundits on television to colleagues and family members, everyone has something to say about retirement. But how much of it is true? Whether you're looking to move into a senior living community or travel the world, Choose Your Retirement shows you how to realistically prepare for the future you desire. Inside, you will find expert advice for choosing the best retirement path for you and your family as well as information on common myths like: -You will only need 80 percent of your current income in retirement -Medicare will cover all your health-care needs -Switching investments over to bonds is the safest retirement option -Social Security will run out in 2033, leaving millions without their promised benefits Filled with hundreds of facts about retiring, Choose Your Retirement helps you set attainable financial goals and plan for the retirement—and life—you've always wanted.