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A Simpler Way To Better Pensions
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Book Synopsis A Simpler Way to Better Pensions by : Alan Pickering
Download or read book A Simpler Way to Better Pensions written by Alan Pickering and published by Stationery Office Books (TSO). This book was released on 2002 with total page 100 pages. Available in PDF, EPUB and Kindle. Book excerpt: Report of a review team appointed in September 2001. - Running title: The Pickering report.
Book Synopsis How to Retire with Enough Money by : Teresa Ghilarducci
Download or read book How to Retire with Enough Money written by Teresa Ghilarducci and published by Workman Publishing. This book was released on 2015-12-15 with total page 145 pages. Available in PDF, EPUB and Kindle. Book excerpt: Here is a single-sit read than can change the course of your retirement. Written by Dr. Teresa Ghilarducci, an economics professor, a retirement and savings specialist, and a trustee to two retiree health-care trusts worth over $54 billion, How to Retire with Enough Money cuts through the confusion, misinformation, and bad policy-making that keeps us spending or saving poorly. It begins with acknowledging what a person or household actually needs to have saved—the rule of thumb is eight to ten times your annual salary before retirement—and how much to expect from Social Security. And then it delivers the basic principles that will make the money grow, including a dozen good ideas to get current expenses under control. Why to “get rid of your guy”—those for-fee (or hidden-fee) financial planners that suck up valuable assets. Why it’s always better to pay off a loan or a mortgage. There are no gimmicks, no magical thinking—just an easy-to-follow program that works.
Download or read book Die with Zero written by Bill Perkins and published by Houghton Mifflin. This book was released on 2020 with total page 243 pages. Available in PDF, EPUB and Kindle. Book excerpt: "A ... new philosophy and ... guide to getting the most out of your money--and out of life--for those who value memorable experiences as much as their earnings"--
Book Synopsis Fundamentals of Private Pensions by : Dan Mays McGill
Download or read book Fundamentals of Private Pensions written by Dan Mays McGill and published by . This book was released on 1955 with total page 266 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis When the Good Pensions Go Away by : Thomas J. Mackell
Download or read book When the Good Pensions Go Away written by Thomas J. Mackell and published by John Wiley & Sons. This book was released on 2008-03-31 with total page 206 pages. Available in PDF, EPUB and Kindle. Book excerpt: In When the Good Pensions Go Away, Thomas Mackell suggests remedies to the quagmire that has been created by the conflicting interests of health care and pension service providers, the aging population, and the inertia that has permeated our policymakers. Mackell includes his “Top List” of recommendations that anyone (and hope-fully everyone) can adopt to address the problem that the shift of our benefit programs—from organizations to the shoulders of the individual—has created.
Book Synopsis The Labor Guide to Retirement Plans by : James W. Russell
Download or read book The Labor Guide to Retirement Plans written by James W. Russell and published by NYU Press. This book was released on 2021-11-22 with total page 281 pages. Available in PDF, EPUB and Kindle. Book excerpt: An essential resource for workers navigating their retirement and pension options, from the labor organizer's perspective. Researching retirement plans should not take the rest of your life, even if deciphering the relevant paperwork seems to have become a full-time job. Deliberately elaborate legalese is obscuring the efforts of financial elites to seize control of workers' collective retirement savings—and The Labor Guide to Retirement Plans is here to translate. Neoliberal retirement reforms have escalated elites' efforts to replace guaranteed workplace retirement plans with weak 401(k)-like savings accounts and risky stock market investment schemes. The result is arguably the largest source of labor value expropriation over the last four decades. In light of all this, what do workers need to know as they assess their future prospects—especially in terms of the security their retirement plans may or may not bring? What should union activists keep in mind as they push for the national and workplace reforms needed to produce greater retirement security? This nuts-and-bolts book provides a much-needed demystification of the retirement system. Even more than that The Labor Guide to Retirement Plans enables us to take charge of our own personal futures, as a first step towards taking back what belongs to us all.
Book Synopsis SOCIAL SECURITY MADE SIMPLE by : Mike Piper
Download or read book SOCIAL SECURITY MADE SIMPLE written by Mike Piper and published by Simple Subjects. This book was released on 2017-03-01 with total page 130 pages. Available in PDF, EPUB and Kindle. Book excerpt: Find all of the following, explained in plain-English: How your Social Security retirement benefits, spousal benefits, and widow/widower benefits are calculated How your benefits are affected if you have a government pension or if you continue working while claiming Social Security How to decide when is the best age for you (and your spouse, if you're married) to claim Social Security in order to get the most out of your benefits Whether or not it makes sense to take Social Security early in order to invest the money How to check your earnings record on the Social Security Administration's website to make sure you're getting the full benefit you deserve How Social Security benefits are taxed and how this affects retirement tax planning Please note that this book does not cover Social Security disability benefits or Supplemental Security Income (SSI).
Book Synopsis Rescuing Retirement by : Teresa Ghilarducci
Download or read book Rescuing Retirement written by Teresa Ghilarducci and published by Columbia Business School Publi. This book was released on 2018 with total page 166 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Author :Great Britain: Parliamentary and Health Service Ombudsman Publisher :The Stationery Office ISBN 13 :9780102937343 Total Pages :264 pages Book Rating :4.9/5 (373 download)
Book Synopsis Trusting in the Pensions Promise by : Great Britain: Parliamentary and Health Service Ombudsman
Download or read book Trusting in the Pensions Promise written by Great Britain: Parliamentary and Health Service Ombudsman and published by The Stationery Office. This book was released on 2006-03-14 with total page 264 pages. Available in PDF, EPUB and Kindle. Book excerpt: This report sets out the results of the Ombudsman's investigation into over 200 complaints about the security of final salary occupational pension schemes and alleged delays in the winding-up of certain such schemes, and the involvement of public bodies in this matter. Chapter 1 explains the Ombudsman's role and jurisdiction and the background to the investigation. Chapter 2 details the complaints, and the Government's initial response; chapter 3 sets out the results of further enquiries to help understand the context of the complaints. The fourth chapter provides the evidence that the investigation has disclosed through consideration of departmental files, official publications and other documentary sources. Chapters 5 and 6 contain the findings and the recommendations. The seventh chapter gives the Ombudsman's assessment of the Government response (appendix D) to the report, and the final chapter is the Ombudsman's conclusion. The Ombudsman makes three findings of maladministration by public bodies: (i) official information about the security that members of final salary schemes could expect from the minimum funding requirement (MFR) was sometimes inaccurate, often incomplete, largely inconsistent and therefore potentially misleading; (ii) the response by DWP to the actuarial profession's recommendation that disclosure should be made to pension scheme members of the risks of wind-up and the risks to accrued pension rights; (iii) the decision in 2002 by DWP to approve a change to the MFR basis. This maladministration was a significant contributory factor in the creation of the financial losses suffered by individuals, amounting to injustice. Recommendations include restoration of the core pension and non-core benefits and some consolatory payments to those fully covered by the recommendations, an apology to scheme trustees for the effects of the maladministration, and a review with the pensions industry to improve the time taken to wind up schemes. The Government, however, is minded not to comply with all of the recommendations, and so the Ombudsman reports to both Houses of Parliament that she has identified injustice caused by maladministration which the Government does not propose to remedy.
Book Synopsis The Great Pensions Robbery by : Alex Brummer
Download or read book The Great Pensions Robbery written by Alex Brummer and published by Random House. This book was released on 2010-04-01 with total page 213 pages. Available in PDF, EPUB and Kindle. Book excerpt: Once upon a time Britain's pension system was admired around the world. Now, it's in tatters and vast numbers of people face the grim choice of enduring a poverty-stricken future or working until they drop. What on earth went wrong? In The Great Pensions Robbery award-winning journalist Alex Brummer ventures into the corridors of power to find out how politicians bent on penny-pinching, a civil service cowed into submission and individuals more interested in their careers than public service have all taken a part in fatally undermining a 100-year-old system. It's also a story of breathtaking hypocrisy, where those in charge have feather-bedded their own pensions while destroying those of ordinary people. And, as Brummer convincingly argues, we're only just starting to live with the appalling consequences.
Book Synopsis Wealth After Work by : William G. Gale
Download or read book Wealth After Work written by William G. Gale and published by Brookings Institution Press. This book was released on 2021-07-27 with total page 406 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Book Synopsis The Pensions Regulator by : Great Britain: National Audit Office
Download or read book The Pensions Regulator written by Great Britain: National Audit Office and published by The Stationery Office. This book was released on 2007-10-26 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt: Some 20 million people in England and Wales have private sector work-based pension schemes. The Pensions Regulator was established in April 2005 to regulate these schemes, replacing the Occupational Pensions Regulatory Authority (Opra), with the statutory objectives to protect members' benefits, to promote improved governance of such schemes, and to reduce the risk of compensation being paid out by the Pension Protection Fund. This NAO report examines the regulatory approach taken and whether this addresses the key risks, given that any conclusions on the effectiveness of pensions regulation must be set in the long term context rather than based on shorter term fluctuations. Findings include that the Pensions Regulator has made good progress in establishing a sound risk-based approach to regulation, with clear links between its statutory objectives and its operational approach. As the regulator matures, it has the scope for a presumption of further transparency in its approach, and is taking steps to increase the information it makes available to the pensions sector. The report sets out a number of recommendations for further progress, bearing in mind that risks in the pensions environment can change quickly.
Book Synopsis Gender, pensions and the lifecourse by : Ginn, Jay
Download or read book Gender, pensions and the lifecourse written by Ginn, Jay and published by Policy Press. This book was released on 2003-06-11 with total page 152 pages. Available in PDF, EPUB and Kindle. Book excerpt: An emerging consensus sees British pension policy as unravelling. Yet the gender impact of expanding private pension provision and relying increasingly on means-testing has been largely overlooked. This book examines key issues such as: how pension choices over the lifecourse are structured by gender, class and ethnicity; the impact of changing patterns of partnership and parenthood on pension building; the distributional impact of privatising pensions; questions about individualisation of rights, survivor benefits, a citizen's pension and means-testing; the EU dimension - comparing alternative strategies for improving gender equity. The book is essential reading for teachers, researchers and students in social gerontology, sociology, social policy and women's studies; practitioners in social work and welfare rights; policy makers concerned with income in later life; and all those who wish to improve their understanding of pensions issues.
Book Synopsis Private Pensions Versus Social Inclusion? by : Barbara Riedmüller
Download or read book Private Pensions Versus Social Inclusion? written by Barbara Riedmüller and published by Edward Elgar Publishing. This book was released on 2008-01-01 with total page 273 pages. Available in PDF, EPUB and Kindle. Book excerpt: Assesses the extent to which six European multi-pillar pension regimes are socially inclusive, by micro-simulating retirement income for hypothetical citizens facing typical post-industrial risks. This book identifies the political and institutional conditions under which private pensions are reconcilable with social inclusion.
Book Synopsis Understanding Pensions by : Martin Sullivan
Download or read book Understanding Pensions written by Martin Sullivan and published by Routledge. This book was released on 2004-08-28 with total page 184 pages. Available in PDF, EPUB and Kindle. Book excerpt: With birth rates falling at the same time that average ages are rising in the developed world, the pensions time bomb is ticking louder than ever. This timely new book is an extremely useful contribution to this important issue.
Download or read book Savings Fitness written by Barry Leonard and published by DIANE Publishing. This book was released on 2007-12 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Book Synopsis How to Retire the Cheapskate Way by : Jeff Yeager
Download or read book How to Retire the Cheapskate Way written by Jeff Yeager and published by National Geographic Books. This book was released on 2013-01-01 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Unlike most retirement planning and lifestyle books that focus on investing – or at the other end of the spectrum, on how to get the senior discount on a Grand Slam Breakfast at Denny’s – this new book from Jeff Yeager, America’s favorite cheapskate, makes the compelling case that you can have a joyous, worry-free retirement by merely spending smart and focusing on what you truly want and expect out of retirement. Combining Yeager’s loveable humor and offbeat anecdotes that have garnered him an ever-growing fan base, How to Retire the Cheapskate Way shares with readers hundreds of retirement secrets and tips, including: ·How to Simple-size Your Way to a Better Retirement ·The 20 Secret Cheapskate Principles for Retiring Comfortably on Less...Maybe Even on Social Security Alone ·How to Survive the Medical Maelstrom (without resorting to DIY surgery at home) ·Plus Dozens of Fun Ways to Both Earn a Little Extra Income During Retirement and Painlessly Cut Your Expenses Yeager, who serves as the official “Savings Expert” for AARP and its 40+ million members, weaves together both everyday practical tips and life-changing financial strategies with the real life stories of frugal retirees as well as people of all ages who are working toward a better, earlier, happier retirement The Cheapskate Way.
