Download or read book The Challenge of Retirement written by Trish Murphy and published by Orpen Press. This book was released on 2014-03-18 with total page 154 pages. Available in PDF, EPUB and Kindle. Book excerpt: We all hope to enjoy our retirement at the end of our working lives, but for many the adjustment can be more challenging than we expected. Rather than a time of slowing down, retirement can be an opportunity to enjoy life and have some fun. It is a time for letting go of old habits, experimenting with relationships and enjoying the wisdom gathered over a life lived. With thirty years of experience as a psychotherapist, Trish Murphy understands the challenges of entering this next phase of life. Focusing on the psychological aspects of leaving the world of work, The Challenge of Retirement addresses such issues as: Wellness and happinessMental healthManaging relationshipsSexuality and sex after 60Self-careIntergenerational livingDeveloping later-life spiritualityAcceptance and having fun In addition, each chapter is filled with wisdom and advice from people in the early, middle and later stages of retirement. As we are all living longer, the messy business of life goes on – as does the need to develop skills and approaches to meet new and difficult challenges. The Challenge of Retirement pulls together the knowledge Trish has learned from her years as a psychotherapist, trainer, facilitator and mediator to help you make retirement the best years of your life. The Challenge of Retirement is aimed at all those who are facing into this new phase of their lives or who have found themselves negotiating the issues that retirement brings with it.
Download or read book The Retirement Challenge written by Retirement Coaches Association Members and published by Robert Laura. This book was released on 2018-11-24 with total page 370 pages. Available in PDF, EPUB and Kindle. Book excerpt: A collection of chapters on a variety of aspects of today's retirement landscape, written by members of Retirement Coaches Association.
Download or read book The Pension Challenge Risk Transfers and Retirement Income Security written by Olivia S. Mitchell and published by OUP Oxford. This book was released on 2003-11-13 with total page 360 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book, the first in a new series produced by the Pension Research Council of the Wharton School in collaboration with Oxford University Press, explores ways to enhance retirement security in a volatile financial environment.Mitchell and Smetters begin by assessing the myriad retirement risks confronting employees, retirees, employers, and governments, and it shows how stakeholders can work to reinvent pensions that perform well in a competitive global setting. Contributors then indicate how pension systems can be better designed to help protect against these risks.Of special interest is a discussion of new financial products and structures to meet and manage challenges to old-age security. Examples considered include pension investment guarantees and hedges, adapting catastrophe bonds to the pension context, and key regulatory structures and portfolio requirements designed to protect unwary or unwitting pension participants. The contributors draw important lessons for a wide range of countries, drawing from both developed and developing marketexperiences.Contributors include world-famous finance experts and risk management faculty, development economists, pension regulators, and pension consultants.
Download or read book The Retirement Challenge written by Martin Neil Baily and published by Oxford University Press. This book was released on 2023-01-18 with total page 305 pages. Available in PDF, EPUB and Kindle. Book excerpt: A comprehensive plan from two leading experts on how to fix America's outdated retirement system America's retirement system has serious problems. While it works well for some retirees, millions of others don't have the sound retirement they have worked decades to secure. Roughly 40 percent of today's $4 trillion federal budget is devoted to supporting retirees, which will grow to roughly half over the next decade--imperiling the sustainability of the whole system. The system is out of date. It reflects the America of a bygone age--an era in which company or union pensions provided middle-class families a decent standard of living in retirement. In America today, however, private pensions have mostly disappeared, Social Security is threatened to go insolvent, people are living longer, and health care costs continue to rise. Poorer retirees now must choose between buying enough to eat and their prescription drugs. In The Retirement Challenge, influential former White House economists Martin Neil Baily and Benjamin H. Harris explore America's outdated retirement system and explain how improving retirement requires changes by families, employers, and policymakers alike. Households need to save more, get smarter about their finances, and trade part of their 401(k) balances for insurance products. Companies need to take a more active role in their workers' retirements. And lawmakers need to amend the tax code, Social Security, and a host of other programs. Despite today's wide political divide, policymakers from both parties can come together around changes that will promote a stable retirement. This book shows that these changes do not represent a radical overhaul. If families, businesses, and policymakers do their part, everyone--current retirees and future generations--can enjoy a much more secure and prosperous retirement.
Download or read book The Retirement Challenge will You Sink Or Swim written by Frank Armstrong (III.) and published by FT Press. This book was released on 2009 with total page 285 pages. Available in PDF, EPUB and Kindle. Book excerpt: "In 48 quick, practical lessons, Armstrong shows how to assess what you have and what you'll need to build a simple, reliable retirement plan. Better yet, the book's easy online calculators do all the math for you. Investing for retirement has never been so sensible and simple!"--Back cover.
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 168 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.
Download or read book The Couple s Retirement Puzzle written by Roberta Taylor RNCS, M.Ed and published by Sourcebooks, Inc.. This book was released on 2014-08-05 with total page 343 pages. Available in PDF, EPUB and Kindle. Book excerpt: The essential retirement planning book, including the ten key conversations couples should have to create a happy, healthy, and successful retirement! Retirement can be the best time of your life, but for couples, there's far more to it than cashing in on your 401(k). The most important asset you have during retirement is each other, yet many couples aren't sure where to begin or how to plan for retirement. The Couple's Retirement Puzzle reveals the ten key conversations couples should tackle before retirement to ensure a rewarding second half of life together, including: Do we have enough money to support the lifestyle we want? Should we retire simultaneously or separately? Do we stay put or explore new frontiers? How will we balance time together and time apart? And more! Filled with smart practical advice, engaging anecdotes, and helpful exercises, The Couple's Retirement Puzzle is a marriage book for couples that will guide you and your partner to a fulfilling, happy retirement you can enjoy and celebrate together.
Download or read book The Psychology of Retirement written by Derek L. Milne and published by John Wiley & Sons. This book was released on 2013-01-22 with total page 212 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Psychology of Retirement is the first self-help guide to retirement based on highly proven psychological coping strategies. Provides the most comprehensive and coherent account of the challenges of retirement and the associated aging process Represents the culmination of over 30 years of clinical, teaching and research involvement in the main issues discussed within this book Draws systematically on applied scientific theories, accepted professional circles, which are interpreted and communicated by an applied scientist A constructive emphasis establishes the best possible coping strategies and perspectives
Download or read book Grandpa s Rocking Chair written by Vern Schultz and published by AuthorHouse. This book was released on 2018-03-17 with total page 173 pages. Available in PDF, EPUB and Kindle. Book excerpt: The year 1929 was devastating for America. It was the beginning of the Great Depression, which led to our country’s economic collapse. The author, also born in 1929, lived through those challenging Depression years, experiencing firsthand the many adaptations and sacrifices needed to survive those trying times. Now some eighty-eight years later, the author looks back to review those key principles that helped folks survive those challenging 1930s. Although the times we are living in today are radically different than in those Depression years, the author holds to the belief that if these same key principles are followed by America’s working class today, they will be more successful in meeting the challenge of our ever-changing, complex society. This book offers some suggested guides that should aid today’s workers in achieving increased financial independence by following these same key principles, with grandpa’s retirement rocking chair as the goal!
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.
Download or read book An Uncommon Guide to Retirement written by Jeff Haanen and published by Moody Publishers. This book was released on 2019-05-07 with total page 208 pages. Available in PDF, EPUB and Kindle. Book excerpt: What am I going to do with my retirement? People talk about retirement like it’s supposed to be an endless vacation. But what if, like the majority of those facing retirement, you can’t afford such a luxury? Or, what if you just want something more from retirement? Some advocate for no retirement at all. But you’ve worked for decades and a rest and reprieve do sound appealing. What should you do? Does God have a purpose for your retirement? Yes, He does. Learn how to discern what it is by taking an uncommon approach. Jeff Haanen looks biblically and practically at the need for rest and purpose in retirement. And teaches you how to: Take a sabbatical rest in early retirement Listen to God’s voice for their calling in retirement Rethink “work” in retirement Understand family systems and leaving a legacy Planning retirement doesn’t have to be distressing. Retire in a way that’s God-honoring, purpose-filled, restful, and truly biblical.
Download or read book Working Longer written by Alicia H. Munnell and published by Rowman & Littlefield. This book was released on 2009-10-01 with total page 218 pages. Available in PDF, EPUB and Kindle. Book excerpt: Daily headlines warn American workers that their retirement years may be far from golden. The main components of the retirement income system—Social Security and employer-provided pensions and health insurance—are in decline while the amount of income needed for a comfortable retirement continues to rise. In Working Longer, Alicia Munnell and Steven Sass suggest a simple solution to this problem: postponing retirement by two to four years. By following their advice, the average worker retiring in 2030 can be as well off as today's retirees. Implementing this solution on a national scale, however, may not be simple. Working Longer investigates the prospects for moving the average retirement age from 63, the current figure, to 66. Munnell and Sass ask whether future generations will be healthy enough to work beyond the current retirement age and whether older men and women want to work. They examine companies' incentives to employ older works and ask what government can do to promote continued participation in the workforce. Finally, they consider the challenge of ensuring a secure retirement for low-wage workers and those who are unable to continue to work. The retirement system faces very real challenges. But together, workers, employers, and the government can keep this vital piece of the American dream alive.
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.
Download or read book The Retiring Mind written by Robert P. Delamontagne and published by BookPros, LLC. This book was released on 2010 with total page 178 pages. Available in PDF, EPUB and Kindle. Book excerpt: Delamontagne leads prospective and recent retirees on a journey of psychological, emotional, and spiritual growth to help them cope with the challenges of a difficult transition.
Download or read book Retirement for Two written by Maryanne Vandervelde and published by Bantam. This book was released on 2007-12-18 with total page 296 pages. Available in PDF, EPUB and Kindle. Book excerpt: In Retirement for Two, psychologist Maryanne Vandervelde, author of the breakthrough book The Changing Life of the Corporate Wife, and human resources consultant, picks up where the standard retirement guides leave off. Vandervelde helps spouses-- nearing or already in retirement--confront, with honesty, respect, and humour, the conflicts and adjustments unique at this stage of life. Vandervelde doesn't give tax or estate planning, or 401K advice; that she leaves to the money men and women (she does deal with the emotional fallout of money and spending, like not having enough). She explores the challenges for couples, who upon retirement find they have many more choices than ever before, and therefore ample room for disagreement and disappointment. Even couples who think they've experienced it all are often suprised by retirements' special challenges. Retirement for Two offers commonsense advice, tackling such issues as: *Where will you live? Will you downsize? Move south or west? Split time between city and country? Live apart/together for some time each year? *What will you do with your time? *What will your relationships with kids and grandkids be like? *What kind of social life do you want? *What do you each desire for the rest of your lives? What happens when you want different things? Have different goals? *Sex and intimacy. *getting strong, staying healthy, dealing with a spouse's illness. Whether you are already grappling with post-work issues, or are approaching retirement age and thinking about how it is all going to work out, here is an invaluable tool you can use to help your relationship--and yourself--survive and thrive through some of the best years of your life. From the Hardcover edition.
Download or read book Retirement Savings Policy written by Michael P. Barry and published by Walter de Gruyter GmbH & Co KG. This book was released on 2018-09-10 with total page 273 pages. Available in PDF, EPUB and Kindle. Book excerpt: Mike brings to this work his comprehensive experience and consummate technical talent in a beautifully readable book. A treasure. --Frank Cummings, Former Adjunct Lecturer in Law at UVA Law School, Columbia Law School, NYU Law School, and ALI-ABA Retirement Savings Policy reviews the basic policies that govern retirement savings plans, and their real world application, focusing on the key issues of finance, taxation, fiduciary conduct, and employee choice. The discussion is framed around the three fundamental challenges confronting employers and employees today – the pension legacy, the 401(k) revolution, and the pressure, from policymakers, regulators, opinion leaders, and individuals, for changes that will put retirement security within reach of all Americans. With more than 40 years’ experience in the field, Michael P. Barry provides both a wealth of practical detail – best practices and concrete solutions – and a broad framework for understanding the issues surrounding retirement plans and strategies. The result is a comprehensive introduction to the forces that drive sponsor, participant, and policymaker decision-making. This is the perfect book for benefits and financial professionals who want a better understanding of the basic rules that govern retirement plan administration but also serves those interested in truly understanding the nuances and issues surrounding retirement plans and policies. The approach is practical, focusing on how US retirement plans actually work, how they are taxed (and not taxed), how they are regulated. But it is also conceptual, devoting considerable attention to an understanding of why these plans work the way they do. Why regulators and policymakers are so focused on a handful of issues – expanding coverage, reducing fees, fairness. And, at the highest level, what are the problems that we are trying to solve. As such, much of what we discuss will be of interest to a more general reader, who wants a realistic understanding of what is really at stake in current retirement policy debates.
Download or read book Aging and the Macroeconomy written by National Research Council and published by National Academies Press. This book was released on 2013-01-10 with total page 230 pages. Available in PDF, EPUB and Kindle. Book excerpt: The United States is in the midst of a major demographic shift. In the coming decades, people aged 65 and over will make up an increasingly large percentage of the population: The ratio of people aged 65+ to people aged 20-64 will rise by 80%. This shift is happening for two reasons: people are living longer, and many couples are choosing to have fewer children and to have those children somewhat later in life. The resulting demographic shift will present the nation with economic challenges, both to absorb the costs and to leverage the benefits of an aging population. Aging and the Macroeconomy: Long-Term Implications of an Older Population presents the fundamental factors driving the aging of the U.S. population, as well as its societal implications and likely long-term macroeconomic effects in a global context. The report finds that, while population aging does not pose an insurmountable challenge to the nation, it is imperative that sensible policies are implemented soon to allow companies and households to respond. It offers four practical approaches for preparing resources to support the future consumption of households and for adapting to the new economic landscape.
