The Coming Baby Boomer Crisis

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The Coming Baby Boomer Crisis

Author : David Almond CFP® MSFS
Publisher : iUniverse
ISBN 13 : 1532060378
Total Pages : 100 pages
Book Rating : 4.5/5 (32 download)

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Book Synopsis The Coming Baby Boomer Crisis by : David Almond CFP® MSFS

Download or read book The Coming Baby Boomer Crisis written by David Almond CFP® MSFS and published by iUniverse. This book was released on 2018-11-29 with total page 100 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Coming Baby Boomer Crisis and How to Protect Yourself! Many quality books address exclusively long-term care insurance. This book is not one of them. Although creative long-term care insurance options are covered, the content focuses on how to protect retirees from their two main concerns which are running out of money and the high cost of healthcare. There is a 70% chance we will need long-term care sometime in our life which is the number one reason people go broke in retirement. The Coming Baby Boomer Crisis helps put you in control by sharing the secrets few people know, such as: How to protect yourself against running out of money when faced with the high cost of healthcare even if you don’t own traditional long-term care insurance. When there is Still Time to Plan Ahead When there is still time, it is essential to have a long-term care pre-planning line of attack which is critical as we age. This book will provide you with creative financial strategies you can use to protect your life savings and stay financially independent. When Your Family is in a Long-Term Care Crisis The good news is, as of now, you can protect your assets even if you or a loved one is currently in a care facility and does not have long-term care insurance. There is much misinformation out there, for example, a person has to spend down to $2,000 before they will receive help from the state and the federal government. NOT TRUE. The Coming Baby Boomer Crisis and How to Protect Yourself will reveal ways you can receive benefits and still keep all or much of your savings while maintaining your dignity and financial independence.

Falling Short

Author : Charles D. Ellis
Publisher : Oxford University Press
ISBN 13 : 0190218916
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. This book was released on 2014-12-01 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 standard of living in retirement. Solving the problem is a major challenge in today's environment in which risk and responsibility have shifted from government and employers to individuals. For this reason, Charles D. Ellis, Alicia H. Munnell, and Andrew D. Eschtruth have written this concise guide for anyone concerned about their own - and the nation's - retirement security. Falling Short is grounded in sound research yet written in a highly accessible style. The authors provide a vivid picture of the retirement crisis in America. They offer the necessary context for understanding the nature and size of the retirement income shortfall, which is caused by both increasing income needs-due to longer lifespans and rising health costs-and decreasing support from Social Security and employer-sponsored pension plans. The solutions are to work longer and save more by building on the existing retirement system. To work longer, individuals should plan to stay in the labor force until age 70 if possible. To save more, policymakers should shore up Social Security's long-term finances; make all 401(k) plans fully automatic, with workers allowed to opt out; and ensure that everyone has access to a retirement savings plan. Individuals should also recognize that their house is a source of saving, which they can tap in retirement through downsizing or a reverse mortgage.

Will America Grow Up Before it Grows Old?

Author : Peter G. Peterson
Publisher : Random House (NY)
ISBN 13 :
Total Pages : 264 pages
Book Rating : 4.F/5 ( download)

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Book Synopsis Will America Grow Up Before it Grows Old? by : Peter G. Peterson

Download or read book Will America Grow Up Before it Grows Old? written by Peter G. Peterson and published by Random House (NY). This book was released on 1996 with total page 264 pages. Available in PDF, EPUB and Kindle. Book excerpt: The facts are plain: Social Security is headed for massive, unsustainable deficits in the next century. Politicians talk of a Social security "trust fund" but there are no hard assets in it--only government bonds. The reality is that Social Security is really a "pay as you go" system, with benefits to current retirees paid not out any saved trust funds but out of taxes on the payroll of today; s workforce. But what will happen when these employees retire; when, in less than fifteen years, the 76 million members of the baby boom generation -- the largest in our history -- stop paying in and start taking money out? And what can we as individuals and as citizens do now to prevent these catastrophic deficits. The crises towards which we are careening (by 2025, 1 American in 5 will be 65 or older and it will take an already overloaded 1.6 working Americans to support each retired person) will not only be felt personally by the many millions stranded with no savings and without benefits, but will shiver the country's economy as a whole as well as the world financial system. With courage, clarity and incontrovertible evidence, Peterson spells out this huge -- if politically unmentionable -- problem more clearly than ever before and tells us what we must do now for our personal survival and that of our children. According to recent polls, more young Americans believe in UFOs than think they will ever receive a Social Security check. Yet most Baby Boomers, as they approach retirement age, believe they will continue to live their present lifestyle in retirement -- without a fraction of the personal savings or pensions necessary to pay for the future they expect. This agingpopulation -- double today's load -- will depend on as few as 1.6 working Americans to support each retired person. Who will support this nation of Floridas? In this short, powerful book, Peter G. Peterson, one of American's top investment bankers and a leading critic of our entitlement policy, spells out in the clearest possible language, with unmistakable numbers and easy-to-read charts, the disaster that lies ahead if we continue to ignore our low saving rate, our ballooning federal deficits, and our enormous unfunded and unsustainable commitments to retirees. Peterson reveals what politicians are afraid to admit: trillions of dollars of promised benefits for which no funds have been provided. Shattering the myths surrounding this subject with hard facts and eye-opening views of the future, Peterson gives the most comprehensive and candid plan for a gradual, humane, fair, and realistic answer to the greatest challenge of the next century: transforming our political, economic, cultural, and social assumptions to adapt to the realities of the graying of America.

The Theft of a Decade

Author : Joseph C. Sternberg
Publisher : PublicAffairs
ISBN 13 : 1541742389
Total Pages : 285 pages
Book Rating : 4.5/5 (417 download)

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Book Synopsis The Theft of a Decade by : Joseph C. Sternberg

Download or read book The Theft of a Decade written by Joseph C. Sternberg and published by PublicAffairs. This book was released on 2019-05-14 with total page 285 pages. Available in PDF, EPUB and Kindle. Book excerpt: A Wall Street Journal columnist delivers a brilliant narrative of the mugging of the millennial generation-- how the Baby Boomers have stolen the millennials' future in order to ensure themselves a comfortable present The Theft of a Decade is a contrarian, revelatory analysis of how one generation pulled the rug out from under another, and the myriad consequences that has set in store for all of us. The millennial generation was the unfortunate victim of several generations of economic theories that made life harder for them than it was for their grandparents. Then came the crash of 2008, and the Boomer generation's reaction to it was brutal: politicians and policy makers made deliberate decisions that favored the interests of the Boomer generation over their heirs, the most egregious being over the use of monetary policy, fiscal policy and regulation. For the first time in recent history, policy makers gave up on investing for the future and instead mortgaged that future to pay for the ugly economic sins of the present. This book describes a new economic crisis, a sinister tectonic shift that is stealing a generation's future.

Boomergeddon

Author : James A. Bacon
Publisher :
ISBN 13 : 9781892538536
Total Pages : 352 pages
Book Rating : 4.5/5 (385 download)

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Book Synopsis Boomergeddon by : James A. Bacon

Download or read book Boomergeddon written by James A. Bacon and published by . This book was released on 2010 with total page 352 pages. Available in PDF, EPUB and Kindle. Book excerpt: Driven by uncontrolled deficit spending, a mounting national debt and rising interest rates on that debt, the U.S. government will go into default within the next 20 to 30 years. The resulting crisis will change the political landscape beyond recognition. It will mean the end of American empire, and it will shred the retirement safety net for tens of millions of Boomers and the generations that follow. "Boomergeddon" details how runaway health care costs and a global shift from capital surplus to capital shortages will create a death spiral of mounting national debt, rising interest rates and soaring debt payments. The author also explains how partisan gridlock and the power of the entrenched political class in Washington, D.C., will thwart the painful changes needed to return the country to fiscal sustainability. The final chapters give Boomers a primer on how to survive Boomergeddon and, if they want to undertake the herculean task, how to avert it.

Workforce Crisis

Author : Ken Dychtwald
Publisher : Harvard Business Press
ISBN 13 : 1422146553
Total Pages : 280 pages
Book Rating : 4.4/5 (221 download)

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Book Synopsis Workforce Crisis by : Ken Dychtwald

Download or read book Workforce Crisis written by Ken Dychtwald and published by Harvard Business Press. This book was released on 2006-02-16 with total page 280 pages. Available in PDF, EPUB and Kindle. Book excerpt: Unprecedented shifts in the age distribution and diversity of the global labor pool are underway. Within the decade, as the massive boomer generation begins to retire and fewer skilled workers are available to replace them, companies in industrialized markets will face a labor shortage and brain drain of dramatic proportions. Ken Dychtwald, Tamara Erickson, and Robert Morison argue that companies ignore these shifts at great peril. Survival will depend on redefining retirement and transforming management and human resource practices to attract, accommodate, and retain workers of all ages and backgrounds. Based on decades of groundbreaking research and study, the authors present innovative and actionable management techniques for leveraging the knowledge of mature workers, reengaging disillusioned midcareer workers, and attracting and retaining talented younger workers. This timely book will help organizations sustain their competitive edge in tomorrow’s inevitably tighter labor markets.

Midlife Crisis at 30

Author : Lia Macko
Publisher : Rodale
ISBN 13 : 9781579548674
Total Pages : 316 pages
Book Rating : 4.5/5 (486 download)

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Book Synopsis Midlife Crisis at 30 by : Lia Macko

Download or read book Midlife Crisis at 30 written by Lia Macko and published by Rodale. This book was released on 2004-03-18 with total page 316 pages. Available in PDF, EPUB and Kindle. Book excerpt: A guide for professional women struggling with burnout analyzes the social and psychological factors that affect a woman's career and relationships, and offers strategies for achieving a healthy personal and professional balance.

A Generation of Sociopaths

Author : Bruce Cannon Gibney
Publisher : Hachette Books
ISBN 13 : 0316395803
Total Pages : 593 pages
Book Rating : 4.3/5 (163 download)

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Book Synopsis A Generation of Sociopaths by : Bruce Cannon Gibney

Download or read book A Generation of Sociopaths written by Bruce Cannon Gibney and published by Hachette Books. This book was released on 2017-03-07 with total page 593 pages. Available in PDF, EPUB and Kindle. Book excerpt: In his "remarkable" (Men's Journal) and "controversial" (Fortune) book -- written in a "wry, amusing style" (The Guardian) -- Bruce Cannon Gibney shows how America was hijacked by the Boomers, a generation whose reckless self-indulgence degraded the foundations of American prosperity. In A Generation of Sociopaths, Gibney examines the disastrous policies of the most powerful generation in modern history, showing how the Boomers ruthlessly enriched themselves at the expense of future generations. Acting without empathy, prudence, or respect for facts--acting, in other words, as sociopaths--the Boomers turned American dynamism into stagnation, inequality, and bipartisan fiasco. The Boomers have set a time bomb for the 2030s, when damage to Social Security, public finances, and the environment will become catastrophic and possibly irreversible--and when, not coincidentally, Boomers will be dying off. Gibney argues that younger generations have a fleeting window to hold the Boomers accountable and begin restoring America.

The Pinch

Author : David Willetts
Publisher : Atlantic Books
ISBN 13 : 0857891421
Total Pages : 150 pages
Book Rating : 4.8/5 (578 download)

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Book Synopsis The Pinch by : David Willetts

Download or read book The Pinch written by David Willetts and published by Atlantic Books. This book was released on 2011-05-01 with total page 150 pages. Available in PDF, EPUB and Kindle. Book excerpt: The baby boom of 1945-65 produced the biggest, richest generation that Britain has ever known. Today, at the peak of their power and wealth, baby boomers now run the country; by virtue of their sheer demographic power, they have fashioned the world around them in a way that meets all of their housing, healthcare, and financial needs. In this original and provocative book, David Willetts shows how the baby boomer generation has attained this position at the expense of their children. Social, cultural, and economic provision has been made for the reigning section of society, whilst the needs of the next generation have taken a back seat. Willetts argues that if our political, economic, and cultural leaders do not begin to discharge their obligations to the future, the young people of today will be taxed more, work longer hours for less money, have lower social mobility, and live in a degraded environment in order to pay for their parents' quality of life. Baby boomers, worried about the kind of world they are passing on to their children, are beginning to take note. However, whilst the imbalance in the quality of life between the generations is becoming more obvious, what is less certain is whether the older generation will be willing to make the sacrifices necessary for a more equal distribution. The Pinch is a landmark account of intergenerational relations in Britain. It is essential reading for parents and policymakers alike.

Boomernomics

Author : William Paul Sterling
Publisher : Ballantine Books
ISBN 13 : 9780345425836
Total Pages : 244 pages
Book Rating : 4.4/5 (258 download)

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Book Synopsis Boomernomics by : William Paul Sterling

Download or read book Boomernomics written by William Paul Sterling and published by Ballantine Books. This book was released on 1998 with total page 244 pages. Available in PDF, EPUB and Kindle. Book excerpt: "In this powerful, prescient book, economists and financial wizards William Sterling and Stephen Waite take an in-depth look at how America's baby boomers have transformed the nation's - and the world's - economy and how that transformation must inevitably - and radically - alter its course as the boomers age." "But the economic "big chill" won't freeze you if you're prepared for it. As Sterling and Waite show, there are strategies we can use, both as private individuals and collectively as a nation, to prosper during the "age wave." Privatizing social security, applying market principles to the health care system, rethinking the concept of retirement, tapping creatively into the potential gold mine on the Internet, using demographics to pinpoint growth industries: these are among the prescriptive suggestions that the authors, who successfully manage over $30 billion, show will work just as successfully for you."--BOOK JACKET.Title Summary field provided by Blackwell North America, Inc. All Rights Reserved

Baby Boomer Bust?

Author : Roger Chiocchi
Publisher : Morgan James Publishing
ISBN 13 : 1614480036
Total Pages : 210 pages
Book Rating : 4.6/5 (144 download)

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Book Synopsis Baby Boomer Bust? by : Roger Chiocchi

Download or read book Baby Boomer Bust? written by Roger Chiocchi and published by Morgan James Publishing. This book was released on 2010-04-15 with total page 210 pages. Available in PDF, EPUB and Kindle. Book excerpt: “A lucid and vivid account of the combined flawed social policies and ingrained corporate attitudes that have brought the US economy to its knees.” —Dr. Ronald Manheimer, former executive director, North Carolina Center for Creative Retirement Baby Boomer Bust? examines and analyzes the meltdown of 2008/2009 from economic, political, and social perspectives and illuminates how the meltdown has directly impacted Baby Boomers—once known as the generation of promise, but now the generation of panic. It examines the downturn’s impact on Boomers’ lifestyles, dreams, aspirations, and future plans. Baby Boomer Bust? raises some provocative questions regarding the generations ability to survive the worst economic downturn since the Great Depression “A revealing insight into the effects of the recent economic downturn on the very generation that helped to create one of the world’s most powerful and influential economies. Mr. Chiocchi’s examination brings into sharp relief some of the more salient, and subtle, social-consequences of one of the greatest economic disasters in the history of Western civilization.” —Michael J. Formica, MS, MA, EdM, psychotherapist, social scientist “A sobering view of the underside of the economic meltdown.” —Jerry Shereshewsky, CEO, Grandparents.com

Marketing to Leading-edge Baby Boomers

Author : Brent Green
Publisher : Paramount Market Publishing
ISBN 13 : 9780976697350
Total Pages : 356 pages
Book Rating : 4.6/5 (973 download)

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Book Synopsis Marketing to Leading-edge Baby Boomers by : Brent Green

Download or read book Marketing to Leading-edge Baby Boomers written by Brent Green and published by Paramount Market Publishing. This book was released on 2006 with total page 356 pages. Available in PDF, EPUB and Kindle. Book excerpt: By 2010, 30 percent of the U.S. population will be over age 50. Even today, the over-50 segment has $750 billion in spending power and controls a majority of the nation's assets. The generation's front-runners are Leading-Edge Baby Boomers, founders of modern youth culture and then yuppie materialism. These early Boomers have proven that they don't just occupy life stages -- they transform them. Now this influential generation is roaring into retirement and shaping a new future. They deserve -- and will amply reward -- your marketing investment. The paperback edition presents stimulating chapters that will show you:-Critical "bipolar metavalues" that influence the buying behavior of Leading-Edge Baby Boomers-Select the right advertising media to achieve your marketing goals-LOHAS: a new lifestyle segment that's changing everything-How to plan and organize "bandwagon" Boomer events and promotions-Exceptional opportunities for reaching Boomers through the InternetPer Brent Green, reading this book promises something beyond an insightful and challenging analysis of a generation moving into retirement. You will discover some original ideas about how the Baby Boom is shaping the future. What happens next will be interesting, if not tumultuous.

The Fourth Turning

Author : William Strauss
Publisher : Crown
ISBN 13 : 0767900464
Total Pages : 401 pages
Book Rating : 4.7/5 (679 download)

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Book Synopsis The Fourth Turning by : William Strauss

Download or read book The Fourth Turning written by William Strauss and published by Crown. This book was released on 1997-12-29 with total page 401 pages. Available in PDF, EPUB and Kindle. Book excerpt: NATIONAL BESTSELLER • Discover the game-changing theory of the cycles of history and what past generations can teach us about living through times of upheaval—with deep insights into the roles that Boomers, Generation X, and Millennials have to play—now with a new preface by Neil Howe. First comes a High, a period of confident expansion. Next comes an Awakening, a time of spiritual exploration and rebellion. Then comes an Unraveling, in which individualism triumphs over crumbling institutions. Last comes a Crisis—the Fourth Turning—when society passes through a great and perilous gate in history. William Strauss and Neil Howe will change the way you see the world—and your place in it. With blazing originality, The Fourth Turning illuminates the past, explains the present, and reimagines the future. Most remarkably, it offers an utterly persuasive prophecy about how America’s past will predict what comes next. Strauss and Howe base this vision on a provocative theory of American history. The authors look back five hundred years and uncover a distinct pattern: Modern history moves in cycles, each one lasting about the length of a long human life, each composed of four twenty-year eras—or “turnings”—that comprise history’s seasonal rhythm of growth, maturation, entropy, and rebirth. Illustrating this cycle through a brilliant analysis of the post–World War II period, The Fourth Turning offers bold predictions about how all of us can prepare, individually and collectively, for this rendezvous with destiny.

Unretirement

Author : Chris Farrell
Publisher : Bloomsbury Publishing USA
ISBN 13 : 1620401584
Total Pages : 297 pages
Book Rating : 4.6/5 (24 download)

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Book Synopsis Unretirement by : Chris Farrell

Download or read book Unretirement written by Chris Farrell and published by Bloomsbury Publishing USA. This book was released on 2014-09-02 with total page 297 pages. Available in PDF, EPUB and Kindle. Book excerpt: The budget battles of recent years have amplified the warnings of demographic doomsayers who predicted that a wave of baby boomers would bleed America dry, bankrupting Social Security and Medicare as they faded into an impoverished old age. On the contrary, argues award-winning journalist Chris Farrell, we are instead on the verge of a broad, positive transformation of our economy and society. The old idea of "retirement"--a word that means withdrawal, describing a time when people gave up productive employment and shrank their activities--was a short-lived historical anomaly. Humans have always found meaning and motivation in work and community, Farrell notes, and the boomer generation, poised to live longer in better health than any before, is already discovering unretirement--extending their working lives with new careers, entrepreneurial ventures, and volunteer service. Their experience, wisdom--and importantly, their continued earnings--will enrich the American workplace, treasury, and our whole society in the decades to come. Unretirement not only explains this seismic change, now in its early stages, it provides key insights and practical advice for boomers about to navigate this exciting, but unsettled, new frontier, drawing on Chris Farrell's decades of covering personal finance and economics for Bloomsberg Businessweek and Marketplace Money. This will be an indispensable guide to the landscape of unretirement from one of America's most trusted experts.

Why We Can't Sleep

Author : Ada Calhoun
Publisher : Grove Press
ISBN 13 : 0802147860
Total Pages : 243 pages
Book Rating : 4.8/5 (21 download)

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Book Synopsis Why We Can't Sleep by : Ada Calhoun

Download or read book Why We Can't Sleep written by Ada Calhoun and published by Grove Press. This book was released on 2020-01-07 with total page 243 pages. Available in PDF, EPUB and Kindle. Book excerpt: The acclaimed author explores the hidden crises of Gen X women in this “engaging hybrid of first-person confession, reportage [and] pop culture analysis” (The New Republic). Ada Calhoun was married with children and a good career—and yet she was miserable. She thought she had no right to complain until she realized how many other Generation X women felt the same way. What could be behind this troubling trend? To find out, Calhoun delved into housing costs, HR trends, credit card debt averages, and divorce data. At every turn, she saw that Gen X women were facing new problems as they entered middle age—problems that were being largely overlooked. Calhoun spoke with women across America who were part of the generation raised to “have it all.” She found that most were exhausted, terrified about money, under-employed, and overwhelmed. And instead of being heard, they were being told to lean in, take “me-time,” or make a chore chart to get their lives and homes in order. In Why We Can’t Sleep, Calhoun opens up the cultural and political contexts of Gen X’s predicament. She offers practical advice on how to ourselves out of the abyss—and keep the next generation of women from falling in. The result is reassuring, empowering, and essential reading for all middle-aged women, and anyone who hopes to understand them.

Defusing the Baby Boomer Time Bomb

Author : Dean Baker
Publisher :
ISBN 13 :
Total Pages : 52 pages
Book Rating : 4.E/5 ( download)

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Book Synopsis Defusing the Baby Boomer Time Bomb by : Dean Baker

Download or read book Defusing the Baby Boomer Time Bomb written by Dean Baker and published by . This book was released on 1998 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Boomers

Author : Helen Andrews
Publisher : Penguin
ISBN 13 : 0593086759
Total Pages : 258 pages
Book Rating : 4.5/5 (93 download)

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Book Synopsis Boomers by : Helen Andrews

Download or read book Boomers written by Helen Andrews and published by Penguin. This book was released on 2021-01-12 with total page 258 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Baby Boomers (and I confess I am one): prepare to squirm and shake your increasingly arthritic little fists. For here comes essayist Helen Andrews."--Terry Castle With two recessions and a botched pandemic under their belt, the Boomers are their children's favorite punching bag. But is the hatred justified? Is the destruction left in their wake their fault or simply the luck of the generational draw? In Boomers, essayist Helen Andrews addresses the Boomer legacy with scrupulous fairness and biting wit. Following the model of Lytton Strachey's Eminent Victorians, she profiles six of the Boomers' brightest and best. She shows how Steve Jobs tried to liberate everyone's inner rebel but unleashed our stultifying digital world of social media and the gig economy. How Aaron Sorkin played pied piper to a generation of idealistic wonks. How Camille Paglia corrupted academia while trying to save it. How Jeffrey Sachs, Al Sharpton, and Sonya Sotomayor wanted to empower the oppressed but ended up empowering new oppressors. Ranging far beyond the usual Beatles and Bill Clinton clichés, Andrews shows how these six Boomers' effect on the world has been tragically and often ironically contrary to their intentions. She reveals the essence of Boomerness: they tried to liberate us, and instead of freedom they left behind chaos.