Improving Opportunities And Incentives For Saving By Middle And Low Income Households

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Opportunity 08

Author : Michael E. O'Hanlon
Publisher : Brookings Institution Press
ISBN 13 : 081570187X
Total Pages : 434 pages
Book Rating : 4.8/5 (157 download)

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Book Synopsis Opportunity 08 by : Michael E. O'Hanlon

Download or read book Opportunity 08 written by Michael E. O'Hanlon and published by Brookings Institution Press. This book was released on 2009-11-01 with total page 434 pages. Available in PDF, EPUB and Kindle. Book excerpt: Voters say they want to hear more from candidates about the critical issues facing our nation and less about partisan politics. Opportunity 08 answers the call with authoritative analysis and innovative policy solutions for the problems that matter most to the future of our society, our prosperity, and our world. Reflecting an impressive breadth of expertise, opinions, and political beliefs, the contributors to this book tackle diverse challenges including how to deal with Iran and Iraq, the rise of China, climate change, poverty and inequality, and retirement security. New chapters in this updated and expanded second edition include examinations of homeland security, foreign aid, health care reform, and the U.S. relationship with Pakistan. Praise for the first edition: "Each chapter contains well-organized, innovative and practical approaches not just for the sitting president, but for the campaigning hopefuls, and should inspire voters to look beyond all-too-typical horse race coverage—and perhaps demand more from their news media and their leaders."—Publishers Weekly Learn more about the Brookings Opportunity 08 project at www.brookings.edu/projects/opportunity08.aspx

Path to Prosperity

Author : Jason Furman
Publisher : Rowman & Littlefield
ISBN 13 : 0815701543
Total Pages : 417 pages
Book Rating : 4.8/5 (157 download)

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Book Synopsis Path to Prosperity by : Jason Furman

Download or read book Path to Prosperity written by Jason Furman and published by Rowman & Littlefield. This book was released on 2009-10-01 with total page 417 pages. Available in PDF, EPUB and Kindle. Book excerpt: Since its launch in 2006, the Hamilton Project at Brookings has produced extensive research on how to create a growing economy that benefits all Americans. Its pragmatic work aims to increase opportunities for broad-based wealth, economic security, and enduring growth. Path to Prosperity, the first book to emerge from the Hamilton Project, presents important and original work to that end. P ath to Prosperity focuses on three key criteria for fostering broadly shared economic growth: enhancing economic security, building a highly skilled work force, and reforming the tax system. Income security proposals offer methods for reforming unemployment insurance, protecting against the risk of reemployment at a lower wage after job loss, and improving incentives for retirement saving. Education proposals build human capital by improving each level of education, from preschool programs for poor children to graduate fellowships in math and science. The tax proposals seek to make taxation simpler, more progressive, and better suited to a global economy. Contributors include Roger C.Altman, Reuven S.Avi-Yonah, Jason E. Bordoff, Kimberly A. Clausing, Susan M. Dynarski, Molly E. Fifer, Richard B. Freeman, Jason Furman,William G. Gale,Austan Goolsbee, Robert Gordon, Jonathan Gruber,Thomas J. Kane, Lori Kletzer, Jeffrey R. Kling, Alan B. Krueger, Jens Ludwig, Peter R. Orszag, Howard F. Rosen, Robert Rubin, Isabel Sawhill, Judith E. Scott-Clayton, and Douglas O. Staiger.

Concurrent Resolution on the Budget Fiscal Year 2012

Author : United States. Congress. Senate. Committee on the Budget
Publisher :
ISBN 13 :
Total Pages : 1472 pages
Book Rating : 4.:/5 (319 download)

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Book Synopsis Concurrent Resolution on the Budget Fiscal Year 2012 by : United States. Congress. Senate. Committee on the Budget

Download or read book Concurrent Resolution on the Budget Fiscal Year 2012 written by United States. Congress. Senate. Committee on the Budget and published by . This book was released on 2011 with total page 1472 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Meeting the Challenge of Income Instability

Author : United States. Congress. Joint Economic Committee
Publisher :
ISBN 13 :
Total Pages : 100 pages
Book Rating : 4.0/5 ( download)

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Book Synopsis Meeting the Challenge of Income Instability by : United States. Congress. Joint Economic Committee

Download or read book Meeting the Challenge of Income Instability written by United States. Congress. Joint Economic Committee and published by . This book was released on 2007 with total page 100 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Falling Short

Author : Charles D. Ellis
Publisher : Oxford University Press, USA
ISBN 13 : 0190218894
Total Pages : 169 pages
Book Rating : 4.1/5 (92 download)

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Book Synopsis Falling Short by : Charles D. Ellis

Download or read book Falling Short written by Charles D. Ellis and published by Oxford University Press, USA. This book was released on 2014 with total page 169 pages. Available in PDF, EPUB and Kindle. Book excerpt: The United States faces a serious retirement challenge. Many of today's workers will lack the resources to retire at traditional ages and maintain their pre-retirement standard of living. Falling Short explains how to meet the challenge, through both individual and collective actions to work longer and save more.

When I'm Sixty-Four

Author : Teresa Ghilarducci
Publisher : Princeton University Press
ISBN 13 : 069117802X
Total Pages : 386 pages
Book Rating : 4.6/5 (911 download)

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Book Synopsis When I'm Sixty-Four by : Teresa Ghilarducci

Download or read book When I'm Sixty-Four written by Teresa Ghilarducci and published by Princeton University Press. This book was released on 2017-10-31 with total page 386 pages. Available in PDF, EPUB and Kindle. Book excerpt: A crisis is looming for baby boomers and anyone else who hopes to retire in the coming years. In When I'm Sixty-Four, Teresa Ghilarducci, the nation's leading authority on the economics of retirement, explains how to confront this crisis head-on, revealing the causes behind the increasingly precarious economics of old age in America and proposing a bold plan to guarantee retirement security for every working citizen. Retirement is one of the hallmarks of a prosperous, civilized market economy. Yet in America today Social Security is on the ropes. Government and employers are dismantling pension security, forcing older people to work longer. The federal government spends billions in exemptions for 401(k)s and other voluntary retirement accounts, yet retirement savings for most workers is falling. Ghilarducci takes an unflinching look at the eroding economic structure of retirement in America--and what she finds is alarming. She exposes the failures of pension regulators and the false hopes of privatized Social Security. She tells the ugly truth about risky 401(k) plans, do-it-yourself retirement schemes, and companies like Enron that have left employees without any retirement savings. Ghilarducci puts forward a sweeping plan to revive the retirement-income system, a plan that will ensure that, after forty years of work, every American will receive 70 percent of their preretirement earnings, guaranteed for life. No other book makes such a persuasive case for overhauling the pension and Social Security system in order to provide older Americans with the financial stability they have earned and deserve.

The Evolving Pension System

Author : William G. Gale
Publisher : Brookings Institution Press
ISBN 13 : 9780815731184
Total Pages : 252 pages
Book Rating : 4.7/5 (311 download)

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Book Synopsis The Evolving Pension System by : William G. Gale

Download or read book The Evolving Pension System written by William G. Gale and published by Brookings Institution Press. This book was released on 2005 with total page 252 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Evolving Pension System examines the foundations and the future of the private pension system. It provides a broad overview of the underlying assumptions, characteristics, and effects of existing pension policy, as well as alternative views on how public policy toward pensions should evolve in the future.Contributors include Robert Clark (North Carolina State University), Eric Engen (Federal Reserve Board), William G. Gale (Brookings Institution), Theodore Groom (Groom Law Group, Chartered), Daniel Halperin (Harvard), Alicia Munnell (Boston College), Leslie Papke (Michigan State University), Joseph Quinn (Boston College), Sylvester Schieber (Watson Wyatt), John B. Shoven (Stanford), and Jack Vanderhei (Temple University and EBRI).William G. Gale is the Joseph A. Pechman Fellow in the Economic Studies program at the Brookings Institution. John B. Shoven is Charles R. Schwab Professor at Stanford University. Mark J. Warshawsky is director of research at the TIAA-CREF Institute.

Retirement Savings for Low-income Workers

Author : United States. Congress. Senate. Committee on Finance. Subcommittee on Social Security, Pensions, and Family Policy
Publisher :
ISBN 13 :
Total Pages : 112 pages
Book Rating : 4.:/5 (319 download)

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Book Synopsis Retirement Savings for Low-income Workers by : United States. Congress. Senate. Committee on Finance. Subcommittee on Social Security, Pensions, and Family Policy

Download or read book Retirement Savings for Low-income Workers written by United States. Congress. Senate. Committee on Finance. Subcommittee on Social Security, Pensions, and Family Policy and published by . This book was released on 2014 with total page 112 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Nomination of Peter R. Orszag

Author : United States. Congress. Senate. Committee on Homeland Security and Governmental Affairs
Publisher :
ISBN 13 :
Total Pages : 176 pages
Book Rating : 4.:/5 (318 download)

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Book Synopsis Nomination of Peter R. Orszag by : United States. Congress. Senate. Committee on Homeland Security and Governmental Affairs

Download or read book Nomination of Peter R. Orszag written by United States. Congress. Senate. Committee on Homeland Security and Governmental Affairs and published by . This book was released on 2010 with total page 176 pages. Available in PDF, EPUB and Kindle. Book excerpt:

A Roadmap to Reducing Child Poverty

Author : National Academies of Sciences, Engineering, and Medicine
Publisher : National Academies Press
ISBN 13 : 0309483980
Total Pages : 619 pages
Book Rating : 4.3/5 (94 download)

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Book Synopsis A Roadmap to Reducing Child Poverty by : National Academies of Sciences, Engineering, and Medicine

Download or read book A Roadmap to Reducing Child Poverty written by National Academies of Sciences, Engineering, and Medicine and published by National Academies Press. This book was released on 2019-09-16 with total page 619 pages. Available in PDF, EPUB and Kindle. Book excerpt: The strengths and abilities children develop from infancy through adolescence are crucial for their physical, emotional, and cognitive growth, which in turn help them to achieve success in school and to become responsible, economically self-sufficient, and healthy adults. Capable, responsible, and healthy adults are clearly the foundation of a well-functioning and prosperous society, yet America's future is not as secure as it could be because millions of American children live in families with incomes below the poverty line. A wealth of evidence suggests that a lack of adequate economic resources for families with children compromises these children's ability to grow and achieve adult success, hurting them and the broader society. A Roadmap to Reducing Child Poverty reviews the research on linkages between child poverty and child well-being, and analyzes the poverty-reducing effects of major assistance programs directed at children and families. This report also provides policy and program recommendations for reducing the number of children living in poverty in the United States by half within 10 years.

Shared Responsibility, Shared Risk

Author : Jacob Hacker
Publisher : Oxford University Press
ISBN 13 : 019020785X
Total Pages : 304 pages
Book Rating : 4.1/5 (92 download)

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Book Synopsis Shared Responsibility, Shared Risk by : Jacob Hacker

Download or read book Shared Responsibility, Shared Risk written by Jacob Hacker and published by Oxford University Press. This book was released on 2012-01-25 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt: The collapse of the financial markets in 2008 and the resulting 'Great Recession' merely accelerated an already worrisome trend: the shift away from an employer-based social welfare system in the United States. Since the end of World War II, a substantial percentage of the costs of social provision--most notably, unemployment insurance and health insurance--has been borne by employers rather than the state. The US has long been unique among advanced economies in this regard, but in recent years, its social contract has become so frayed that is fast becoming unrecognizable. Despite Obama's election, the burdens of social provision are falling increasingly upon individual families, and the situation is worsening because of the unemployment crisis. How can we repair the American social welfare system so that workers and families receive adequate protection and, if necessary, provision from the ravages of the market? In Shared Responsibility, Shared Risk, Jacob Hacker and Ann O'Leary have gathered a distinguished group of scholars on American social policy to address this most fundamental of problems. Collectively, they analyze how the 'privatization of risk' has increased hardships for American families and increased inequality. They also propose a series of solutions that would distribute the burdens of risks more broadly and expand the social safety net. The range of issues covered is broad: health care, homeownership, social security and aging, unemployment, wealth (as opposed to income) creation, education, and family-friendly policies. The book is also comparative, measuring US social policy against the policies of other advanced nations. Given the current crisis in America social policy and the concomitant paralysis within government, the book has the potential to make an important intervention in the current debate.

Handbook of Consumer Finance Research

Author : Jing Jian Xiao
Publisher : Springer
ISBN 13 : 3319288873
Total Pages : 379 pages
Book Rating : 4.3/5 (192 download)

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Book Synopsis Handbook of Consumer Finance Research by : Jing Jian Xiao

Download or read book Handbook of Consumer Finance Research written by Jing Jian Xiao and published by Springer. This book was released on 2016-05-30 with total page 379 pages. Available in PDF, EPUB and Kindle. Book excerpt: This second edition of the authoritative resource summarizes the state of consumer finance research across disciplines for expert findings on—and strategies for enhancing—consumers’ economic health. New and revised chapters offer current research insights into familiar concepts (retirement saving, bankruptcy, marriage and finance) as well as the latest findings in emerging areas, including healthcare costs, online shopping, financial therapy, and the neuroscience behind buyer behavior. The expanded coverage also reviews economic challenges of diverse populations such as ethnic groups, youth, older adults, and entrepreneurs, reflecting the ubiquity of monetary issues and concerns. Underlying all chapters is the increasing importance of financial literacy training and other large-scale interventions in an era of economic transition. Among the topics covered: Consumer financial capability and well-being. Advancing financial literacy education using a framework for evaluation. Financial coaching: defining an emerging field. Consumer finance of low-income families. Financial parenting: promoting financial self-reliance of young consumers. Financial sustainability and personal finance education. Accessibly written for researchers and practitioners, this Second Edition of the Handbook of Consumer Finance Research will interest professionals involved in improving consumers’ fiscal competence. It also makes a worthwhile text for graduate and advanced undergraduate courses in economics, family and consumer studies, and related fields.

Causes and Consequences of Income Inequality

Author : Ms.Era Dabla-Norris
Publisher : International Monetary Fund
ISBN 13 : 1513547437
Total Pages : 39 pages
Book Rating : 4.5/5 (135 download)

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Book Synopsis Causes and Consequences of Income Inequality by : Ms.Era Dabla-Norris

Download or read book Causes and Consequences of Income Inequality written by Ms.Era Dabla-Norris and published by International Monetary Fund. This book was released on 2015-06-15 with total page 39 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper analyzes the extent of income inequality from a global perspective, its drivers, and what to do about it. The drivers of inequality vary widely amongst countries, with some common drivers being the skill premium associated with technical change and globalization, weakening protection for labor, and lack of financial inclusion in developing countries. We find that increasing the income share of the poor and the middle class actually increases growth while a rising income share of the top 20 percent results in lower growth—that is, when the rich get richer, benefits do not trickle down. This suggests that policies need to be country specific but should focus on raising the income share of the poor, and ensuring there is no hollowing out of the middle class. To tackle inequality, financial inclusion is imperative in emerging and developing countries while in advanced economies, policies should focus on raising human capital and skills and making tax systems more progressive.

The Retirement Policy Challenges and Opportunities of Our Aging Society

Author : United States. Congress. House. Committee on Ways and Means
Publisher :
ISBN 13 :
Total Pages : 128 pages
Book Rating : 4.0/5 ( download)

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Book Synopsis The Retirement Policy Challenges and Opportunities of Our Aging Society by : United States. Congress. House. Committee on Ways and Means

Download or read book The Retirement Policy Challenges and Opportunities of Our Aging Society written by United States. Congress. House. Committee on Ways and Means and published by . This book was released on 2006 with total page 128 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Nomination of Hon. Dr. Peter Orszag, of Massachusetts, to be Director of OMB and the Nomination of Robert Nabors, of New Jersey, to be Deputy Director of OMB

Download Nomination of Hon. Dr. Peter Orszag, of Massachusetts, to be Director of OMB and the Nomination of Robert Nabors, of New Jersey, to be Deputy Director of OMB PDF Online Free

Author : United States. Congress. Senate. Committee on the Budget
Publisher :
ISBN 13 :
Total Pages : 156 pages
Book Rating : 4.3/5 (91 download)

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Book Synopsis Nomination of Hon. Dr. Peter Orszag, of Massachusetts, to be Director of OMB and the Nomination of Robert Nabors, of New Jersey, to be Deputy Director of OMB by : United States. Congress. Senate. Committee on the Budget

Download or read book Nomination of Hon. Dr. Peter Orszag, of Massachusetts, to be Director of OMB and the Nomination of Robert Nabors, of New Jersey, to be Deputy Director of OMB written by United States. Congress. Senate. Committee on the Budget and published by . This book was released on 2009 with total page 156 pages. Available in PDF, EPUB and Kindle. Book excerpt:

State of the Economy and Budget

Author : United States. Congress. Senate. Committee on the Budget
Publisher :
ISBN 13 :
Total Pages : 124 pages
Book Rating : 4.0/5 ( download)

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Book Synopsis State of the Economy and Budget by : United States. Congress. Senate. Committee on the Budget

Download or read book State of the Economy and Budget written by United States. Congress. Senate. Committee on the Budget and published by . This book was released on 2006 with total page 124 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Private Pensions

Author : Charles A. Jeszeck
Publisher : DIANE Publishing
ISBN 13 : 1437985254
Total Pages : 68 pages
Book Rating : 4.4/5 (379 download)

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Book Synopsis Private Pensions by : Charles A. Jeszeck

Download or read book Private Pensions written by Charles A. Jeszeck and published by DIANE Publishing. This book was released on 2011-08 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt: Despite sizable tax incentives, private pension participation has remained at about 50 percent of the workforce. For those in a pension plan, there is concern that these incentives accrue primarily to higher income employees and do relatively little to help lower income workers save for retirement. This report examined: (1) recent trends in new private pension plan formation; (2) the characteristics of defined contribution plan participants contributing at or above statutory limits; (3) how suggested options to modify an existing credit for low-income workers might affect their retirement income; and (4) the long-term effects of the recent financial crisis on retirement savings. Charts and tables. This is a print on demand report.