Getting Americans To Save

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The Forgotten Americans

Author : Isabel Sawhill
Publisher : Yale University Press
ISBN 13 : 0300230362
Total Pages : 268 pages
Book Rating : 4.3/5 (2 download)

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Book Synopsis The Forgotten Americans by : Isabel Sawhill

Download or read book The Forgotten Americans written by Isabel Sawhill and published by Yale University Press. This book was released on 2018-01-01 with total page 268 pages. Available in PDF, EPUB and Kindle. Book excerpt: A sobering account of a disenfranchised American working class and important policy solutions to the nation's economic inequalities One of the country's leading scholars on economics and social policy, Isabel Sawhill addresses the enormous divisions in American society--economic, cultural, and political--and what might be done to bridge them. Widening inequality and the loss of jobs to trade and technology has left a significant portion of the American workforce disenfranchised and skeptical of governments and corporations alike. And yet both have a role to play in improving the country for all. Sawhill argues for a policy agenda based on mainstream values, such as family, education, and work. Although many have lost faith in government programs designed to help them, there are still trusted institutions on both the local and the federal level that can deliver better job opportunities and higher wages to those who have been left behind. At the same time, the private sector needs to reexamine how it trains and rewards employees. This book provides a clear-headed and middle-way path to a better-functioning society in which personal responsibility is honored and inclusive capitalism and more broadly shared growth are once more the norm.

Getting Saved in America

Author : Carolyn Chen
Publisher : Princeton University Press
ISBN 13 : 0691164665
Total Pages : 244 pages
Book Rating : 4.6/5 (911 download)

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Book Synopsis Getting Saved in America by : Carolyn Chen

Download or read book Getting Saved in America written by Carolyn Chen and published by Princeton University Press. This book was released on 2014-08-31 with total page 244 pages. Available in PDF, EPUB and Kindle. Book excerpt: What does becoming American have to do with becoming religious? Many immigrants become more religious after coming to the United States. Taiwanese are no different. Like many Asian immigrants to the United States, Taiwanese frequently convert to Christianity after immigrating. But Americanization is more than simply a process of Christianization. Most Taiwanese American Buddhists also say they converted only after arriving in the United States even though Buddhism is a part of Taiwan's dominant religion. By examining the experiences of Christian and Buddhist Taiwanese Americans, Getting Saved in America tells "a story of how people become religious by becoming American, and how people become American by becoming religious." Carolyn Chen argues that many Taiwanese immigrants deal with the challenges of becoming American by becoming religious. Based on in-depth interviews with Taiwanese American Christians and Buddhists, and extensive ethnographic fieldwork at a Taiwanese Buddhist temple and a Taiwanese Christian church in Southern California, Getting Saved in America is the first book to compare how two religions influence the experiences of one immigrant group. By showing how religion transforms many immigrants into Americans, it sheds new light on the question of how immigrants become American.

Getting Americans to Save

Author : David Kamin
Publisher :
ISBN 13 :
Total Pages : 82 pages
Book Rating : 4.:/5 (13 download)

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Book Synopsis Getting Americans to Save by : David Kamin

Download or read book Getting Americans to Save written by David Kamin and published by . This book was released on 2016 with total page 82 pages. Available in PDF, EPUB and Kindle. Book excerpt: According to the most recent literature, one of the primary systems for getting Americans to save more -- a system of tax-preferred retirement accounts -- is fundamentally broken and should be abandoned. This system of 401(k)s, Individual Retirement Accounts (IRAs), and other tax-preferred accounts cost the government about $80 billion per year, and influential new research by Raj Chetty, John Friedman, and co-authors -- among others -- suggests that tax incentives like these are unable to substantially increase private saving. However, this case against tax incentives is overstated. A comprehensive review of the literature suggests that tax incentives, in fact, probably can increase saving among many people -- and particularly among those participating who are financially unsophisticated and have low savings. Further, the findings of Chetty, Friedman, and co-authors have been both over-interpreted and misinterpreted in important ways. Based on this and an analysis of the trade-offs involved in choosing among instruments to encourage greater saving, this article concludes that tax incentives should be used, but they should be appropriately targeted and deployed, unlike in the current system. And they should be used in combination with a mandatory saving floor and nudges to increase saving above that floor. This is an “all-of-the-above” approach -- including the use of tax incentives -- that reflects the apparent variation in how people react to these instruments and that should achieve better outcomes than using any one or two of these instruments alone.

Savings Fitness

Author : Barry Leonard
Publisher : DIANE Publishing
ISBN 13 : 9781422319024
Total Pages : 32 pages
Book Rating : 4.3/5 (19 download)

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Book Synopsis Savings Fitness by : Barry Leonard

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.

Save More Tomorrow

Author : Shlomo Benartzi
Publisher : Penguin
ISBN 13 : 110158033X
Total Pages : 288 pages
Book Rating : 4.1/5 (15 download)

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Book Synopsis Save More Tomorrow by : Shlomo Benartzi

Download or read book Save More Tomorrow written by Shlomo Benartzi and published by Penguin. This book was released on 2012-04-12 with total page 288 pages. Available in PDF, EPUB and Kindle. Book excerpt: One of the world’s top experts in behavioral finance offers innovative strategies for improving 401(k) plans. Half of Americans do not have access to a retirement saving plan at their workplace. Of those who do about a third fail to join. And those who do join tend to save too little and often make unwise investment decisions. In short, the 401(k) world is in crisis, and workers need help. Save More Tomorrow provides that help by focusing on the behavioral challenges that led to this crisis inertia, limited self-control, loss aversion, and myopia—and transforms them into behavioral solutions. These solutions, or tools, are based on cutting edge behavioral finance research and they can dramatically improve outcomes by, for example, helping employees: -Save, even if they aren’t ready to do so now, by using future enrollment. -Save more by showing them images of their future selves. -Save smarter by reshuffling the order of funds on the investment menu. Save More Tomorrow is the first comprehensive application of behavioral finance to improve retirement outcomes. It also makes it easy for plan sponsors and their advisers to apply these behavioral tools using its innovative Behavioral Audit process.

Helping Americans Save

Author : United States. Congress. Joint Economic Committee
Publisher :
ISBN 13 :
Total Pages : 76 pages
Book Rating : 4.:/5 (31 download)

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Book Synopsis Helping Americans Save by : United States. Congress. Joint Economic Committee

Download or read book Helping Americans Save written by United States. Congress. Joint Economic Committee and published by . This book was released on 2004 with total page 76 pages. Available in PDF, EPUB and Kindle. Book excerpt:

What To Do With Your Money When Crisis Hits

Author : Michelle Singletary
Publisher : HarperCollins
ISBN 13 : 0358574285
Total Pages : 231 pages
Book Rating : 4.3/5 (585 download)

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Book Synopsis What To Do With Your Money When Crisis Hits by : Michelle Singletary

Download or read book What To Do With Your Money When Crisis Hits written by Michelle Singletary and published by HarperCollins. This book was released on 2021-05-18 with total page 231 pages. Available in PDF, EPUB and Kindle. Book excerpt: From pandemics to recessions, bear markets to energy crises, life is full of financial setbacks. The hard truth is that it’s not a matter of if there will be another economic downturn, but when. The important question to ask is this: how do you prevent a crisis from turning into a full-blown catastrophe? Drawing on years of experience as an award-winning personal finance columnist, Michelle Singletary shares her expert advice for weathering a financial storm. In this book, she answers the most pressing questions that crop up when money suddenly becomes scarce, like: What bills need to be paid first? When is it right to dip into savings? What are the best ways to cut back on spending? How do you keep from panicking when the stock market is down? Is this “opportunity” a scam in disguise? This hands-on guide covers debt concerns, credit card issues, cash-flow problems, and dozens of other common financial matters. Whether you’re in the midst of one crisis or preparing for the next, this book provides the tools to secure your wealth and your future.

Democracy in America?

Author : Benjamin I. Page
Publisher : University of Chicago Press
ISBN 13 : 022672493X
Total Pages : 400 pages
Book Rating : 4.2/5 (267 download)

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Book Synopsis Democracy in America? by : Benjamin I. Page

Download or read book Democracy in America? written by Benjamin I. Page and published by University of Chicago Press. This book was released on 2020-04-02 with total page 400 pages. Available in PDF, EPUB and Kindle. Book excerpt: America faces daunting problems—stagnant wages, high health care costs, neglected schools, deteriorating public services. How did we get here? Through decades of dysfunctional government. In Democracy in America? veteran political observers Benjamin I. Page and Martin Gilens marshal an unprecedented array of evidence to show that while other countries have responded to a rapidly changing economy by helping people who’ve been left behind, the United States has failed to do so. Instead, we have actually exacerbated inequality, enriching corporations and the wealthy while leaving ordinary citizens to fend for themselves. What’s the solution? More democracy. More opportunities for citizens to shape what their government does. To repair our democracy, Page and Gilens argue, we must change the way we choose candidates and conduct our elections, reform our governing institutions, and curb the power of money in politics. By doing so, we can reduce polarization and gridlock, address pressing challenges, and enact policies that truly reflect the interests of average Americans. Updated with new information, this book lays out a set of proposals that would boost citizen participation, curb the power of money, and democratize the House and Senate.

Paying the Price

Author : Sara Goldrick-Rab
Publisher : University of Chicago Press
ISBN 13 : 022640448X
Total Pages : 382 pages
Book Rating : 4.2/5 (264 download)

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Book Synopsis Paying the Price by : Sara Goldrick-Rab

Download or read book Paying the Price written by Sara Goldrick-Rab and published by University of Chicago Press. This book was released on 2016-09-01 with total page 382 pages. Available in PDF, EPUB and Kindle. Book excerpt: A “bracing and well-argued” study of America’s college debt crisis—“necessary reading for anyone concerned about the fate of American higher education” (Kirkus). College is far too expensive for many people today, and the confusing mix of federal, state, institutional, and private financial aid leaves countless students without the resources they need to pay for it. In Paying the Price, education scholar Sara Goldrick-Rab reveals the devastating effect of these shortfalls. Goldrick-Rab examines a study of 3,000 students who used the support of federal aid and Pell Grants to enroll in public colleges and universities in Wisconsin in 2008. Half the students in the study left college without a degree, while less than 20 percent finished within five years. The cause of their problems, time and again, was lack of money. Unable to afford tuition, books, and living expenses, they worked too many hours at outside jobs, dropped classes, took time off to save money, and even went without adequate food or housing. In many heartbreaking cases, they simply left school—not with a degree, but with crippling debt. Goldrick-Rab combines that data with devastating stories of six individual students, whose struggles make clear the human and financial costs of our convoluted financial aid policies. In the final section of the book, Goldrick-Rab offers a range of possible solutions, from technical improvements to the financial aid application process, to a bold, public sector–focused “first degree free” program. "Honestly one of the most exciting books I've read, because [Goldrick-Rab has] solutions. It's a manual that I'd recommend to anyone out there, if you're a parent, if you're a teacher, if you're a student."—Trevor Noah, The Daily Show

The Index Card

Author : Helaine Olen
Publisher : Penguin
ISBN 13 : 0698186656
Total Pages : 163 pages
Book Rating : 4.6/5 (981 download)

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Book Synopsis The Index Card by : Helaine Olen

Download or read book The Index Card written by Helaine Olen and published by Penguin. This book was released on 2016-01-05 with total page 163 pages. Available in PDF, EPUB and Kindle. Book excerpt: “The newbie investor will not find a better guide to personal finance.” —Burton Malkiel, author of A RANDOM WALK DOWN WALL STREET TV analysts and money managers would have you believe your finances are enormously complicated, and if you don’t follow their guidance, you’ll end up in the poorhouse. They’re wrong. When University of Chicago professor Harold Pollack interviewed Helaine Olen, an award-winning financial journalist and the author of the bestselling Pound Foolish, he made an offhand suggestion: everything you need to know about managing your money could fit on an index card. To prove his point, he grabbed a 4" x 6" card, scribbled down a list of rules, and posted a picture of the card online. The post went viral. Now, Pollack teams up with Olen to explain why the ten simple rules of the index card outperform more complicated financial strategies. Inside is an easy-to-follow action plan that works in good times and bad, giving you the tools, knowledge, and confidence to seize control of your financial life.

Tightrope

Author : Nicholas D. Kristof
Publisher : Vintage
ISBN 13 : 0525655093
Total Pages : 321 pages
Book Rating : 4.5/5 (256 download)

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Book Synopsis Tightrope by : Nicholas D. Kristof

Download or read book Tightrope written by Nicholas D. Kristof and published by Vintage. This book was released on 2020-01-14 with total page 321 pages. Available in PDF, EPUB and Kindle. Book excerpt: NATIONAL BESTSELLER • With stark poignancy and political dispassion Tightrope addresses the crisis in working-class America while focusing on solutions to mend a half century of governmental failure. This must-read book from the authors of Half the Sky “shows how we can and must do better” (Katie Couric). "A deft and uniquely credible exploration of rural America, and of other left-behind pockets of our country. One of the most important books I've read on the state of our disunion."—Tara Westover, author of Educated Drawing us deep into an “other America,” the authors tell this story, in part, through the lives of some of the people with whom Kristof grew up, in rural Yamhill, Oregon. It’s an area that prospered for much of the twentieth century but has been devastated in the last few decades as blue-collar jobs disappeared. About a quarter of the children on Kristof’s old school bus died in adulthood from drugs, alcohol, suicide, or reckless accidents. While these particular stories unfolded in one corner of the country, they are representative of many places the authors write about, ranging from the Dakotas and Oklahoma to New York and Virginia. With their superb, nuanced reportage, Kristof and WuDunn have given us a book that is both riveting and impossible to ignore.

The Fight to Save the Town

Author : Michelle Wilde Anderson
Publisher : Simon and Schuster
ISBN 13 : 1501195999
Total Pages : 368 pages
Book Rating : 4.5/5 (11 download)

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Book Synopsis The Fight to Save the Town by : Michelle Wilde Anderson

Download or read book The Fight to Save the Town written by Michelle Wilde Anderson and published by Simon and Schuster. This book was released on 2023-06-20 with total page 368 pages. Available in PDF, EPUB and Kindle. Book excerpt: A sweeping and eye-opening study of wealth inequality and the dismantling of local government in four working-class US cities that passionately argues for reinvestment in people-centered leadership and offers “a welcome reminder of what government can accomplish if given the chance” (San Francisco Chronicle). Decades of cuts to local government amidst rising concentrations of poverty have wreaked havoc on communities left behind by the modern economy. Some of these discarded places are rural. Others are big cities, small cities, or historic suburbs. Some vote blue, others red. Some are the most diverse communities in America, while others are nearly all white, all Latino, or all Black. All are routinely trashed by outsiders for their poverty and their politics. Mostly, their governments are just broke. Forty years after the anti-tax revolution began protecting wealthy taxpayers and their cities, our high-poverty cities and counties have run out of services to cut, properties to sell, bills to defer, and risky loans to take. In this “astute and powerful vision for improving America” (Publishers Weekly), urban law expert and author Michelle Wilde Anderson offers unsparing, humanistic portraits of the hardships left behind in four such places. But this book is not a eulogy or a lament. Instead, Anderson travels to four blue-collar communities that are poor, broke, and progressing. Networks of leaders and residents in these places are facing down some of the hardest challenges in American poverty today. In Stockton, California, locals are finding ways, beyond the police department, to reduce gun violence and treat the trauma it leaves behind. In Josephine County, Oregon, community leaders have enacted new taxes to support basic services in a rural area with fiercely anti-government politics. In Lawrence, Massachusetts, leaders are figuring out how to improve job security and wages in an era of backbreaking poverty for the working class. And a social movement in Detroit, Michigan, is pioneering ways to stabilize low-income housing after a wave of foreclosures and housing loss. Our smallest governments shape people’s safety, comfort, and life chances. For decades, these governments have no longer just reflected inequality—they have helped drive it. But it doesn’t have to be that way. Anderson shows that “if we learn to save our towns, we will also be learning to save ourselves” (The New York Times Book Review).

Getting Out of Saigon

Author : Ralph White
Publisher : Simon and Schuster
ISBN 13 : 1982195193
Total Pages : 320 pages
Book Rating : 4.9/5 (821 download)

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Book Synopsis Getting Out of Saigon by : Ralph White

Download or read book Getting Out of Saigon written by Ralph White and published by Simon and Schuster. This book was released on 2023-04-04 with total page 320 pages. Available in PDF, EPUB and Kindle. Book excerpt: A “captivating” (The Washington Post) true story of “courage, resolve, and determination” (Christian Science Monitor), author Ralph White’s successful effort to save nearly the entire staff of the Saigon branch of Chase Manhattan bank and their families before the city fell to the North Vietnamese Army. In April 1975, Ralph White was asked by his boss to transfer from the Bangkok branch of the Chase Manhattan Bank to the Saigon Branch. He was tasked with closing the branch if and when it appeared that Saigon would fall to the North Vietnamese army and ensure the safety of the senior Vietnamese employees. But when he arrived, he realized the situation in Saigon was far more perilous than he had imagined. The senior staff members there urged him to evacuate the entire staff of the branch and their families, which was far more than he was authorized to do. Quickly he realized that no one would be safe when the city fell, and it was no longer a question of whether to evacuate but how. Getting Out of Saigon is an “edge-of-your-seat” (Oprah Daily) story of a city on the eve of destruction and the colorful characters who respond differently to impending doom. It’s a remarkable account of one man’s quest to save innocent lives not because he was ordered but because it was the right thing to do.

Overcoming the Saving Slump

Author : Annamaria Lusardi
Publisher : University of Chicago Press
ISBN 13 : 0226497100
Total Pages : 406 pages
Book Rating : 4.2/5 (264 download)

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Book Synopsis Overcoming the Saving Slump by : Annamaria Lusardi

Download or read book Overcoming the Saving Slump written by Annamaria Lusardi and published by University of Chicago Press. This book was released on 2009-10-15 with total page 406 pages. Available in PDF, EPUB and Kindle. Book excerpt: The great majority of working Americans are unprepared to face the difficult task of planning for retirement. In fact, the personal savings rate has been holding steady at zero for several years, down from 8 percent in the mid-1980s. Overcoming the Saving Slump explores the many challenges facing workers in the transition from a traditional defined benefit pension system to one that requires more individual responsibility, analyzing the considerable impediments to saving and evaluating financial literacy programs devised by employers and the government. Mapping the changing landscape of pensions and the rise of defined contribution plans, Annamaria Lusardi and others investigate new methods for stimulating saving and promoting financial education drawing on the experience of the United States as well as countries that have privatized their welfare systems, including Sweden and Chile. This timely volume pinpoints where human resources departments, the financial industry, and government officials have succeeded—or failed—in bridging the way to a new retirement system. As the workforce ages and more pensions disappear each second, Lusardi’s findings will be invaluable for economists and anyone facing retirement.

American Icon

Author : Bryce G. Hoffman
Publisher : Three Rivers Press
ISBN 13 : 0307886050
Total Pages : 434 pages
Book Rating : 4.3/5 (78 download)

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Book Synopsis American Icon by : Bryce G. Hoffman

Download or read book American Icon written by Bryce G. Hoffman and published by Three Rivers Press. This book was released on 2012 with total page 434 pages. Available in PDF, EPUB and Kindle. Book excerpt: A riveting, behind-the-scenes account of the near collapse of the Ford Motor Company, which in 2008 was close to bankruptcy, and CEO Alan Mulally's hard-fought effort and bold plan--including his decision not to take federal bailout money--to bring Ford back from the brink.

The Life You Save May Be Your Own

Author : Paul Elie
Publisher : Macmillan
ISBN 13 : 9780374529215
Total Pages : 596 pages
Book Rating : 4.5/5 (292 download)

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Book Synopsis The Life You Save May Be Your Own by : Paul Elie

Download or read book The Life You Save May Be Your Own written by Paul Elie and published by Macmillan. This book was released on 2004-03-10 with total page 596 pages. Available in PDF, EPUB and Kindle. Book excerpt: Elie tells the story of four modern American Catholics who made literature out of their search for God: Thomas Merton; Dorothy Day; Walker Percy; and Flannery OConnor.

Unrigged: How Americans Are Battling Back to Save Democracy

Author : David Daley
Publisher : Liveright Publishing
ISBN 13 : 1631495763
Total Pages : 253 pages
Book Rating : 4.6/5 (314 download)

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Book Synopsis Unrigged: How Americans Are Battling Back to Save Democracy by : David Daley

Download or read book Unrigged: How Americans Are Battling Back to Save Democracy written by David Daley and published by Liveright Publishing. This book was released on 2020-03-17 with total page 253 pages. Available in PDF, EPUB and Kindle. Book excerpt: The “wildly undersold story” (Lawrence Lessig) of the next American revolution, and the inspiring citizen activists fighting to save America’s fragile democracy. Our country is dominated by a political party that has no interest in governing, and that seeks to entrench its power by limiting democracy—going so far as to force people to the polls in the middle of a pandemic. Yet there is hope, as best-selling author David Daley argues in Unrigged, though it doesn’t lie in Congress, gerrymandered statehouses, or even the courts. We must, instead, look to the grassroots. Introducing us to groups that have pioneered innovative organizing methods—often combining old-school activism with new digital tools—Daley uncovers the story behind voting-rights victories nationwide and the new organizations reinventing our politics. The result is a vivid portrait of a new civic awakening, and an essential toolkit for reviving our democracy in the Trump era and beyond.