Download or read book CSRS and FERS Handbook for Personnel and Payroll Offices written by and published by . This book was released on 1998 with total page 132 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Transition written by United States. Department of State and published by . This book was released on 1972 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Breaking the Watch written by Joel S. Savishinsky and published by Cornell University Press. This book was released on 2018-08-06 with total page 297 pages. Available in PDF, EPUB and Kindle. Book excerpt: The topic of retirement becomes increasingly compelling as the U.S. population ages. It's easy to find books about how to plan financially for those years after careers end, but Breaking the Watch focuses on the many ways of creating a life, not just making a living, as a retired person.This book follows women and men from a rural American community as they approach and experience the first years of retirement. Joel Savishinsky focuses on the efforts people make to find meaning in a stage of life American culture often views in a confused or disdainful way.In conversations and stories, 13 men and 13 women demonstrate a deep commitment to defining their own retirement. They bring to their mature years a diversity of backgrounds, interests, and responsibilities. They include former teachers, librarians, doctors, farmers, lawyers, bankers, mail carriers, and secretaries. Some are married, others divorced or single; many have children and grandchildren, but some have neither. Their finances run the gamut from the modest to the munificent, while their health ranges from robust to disabled. From an examination of the "rites of passage" that marked their exit from full-time work, Breaking the Watch moves on to consider how to plan appropriately for retirement; renegotiate ties to friends, family, and community; and create a sense of passion—be it for t'ai chi, travel, painting, or politics—that will drive a new sense of purpose. These intimate glimpses into real lives allow a rare understanding of the retirement process.

Download or read book The Frugal Retiree written by Gary Johnson and published by Createspace Independent Publishing Platform. This book was released on 2018-03-30 with total page 66 pages. Available in PDF, EPUB and Kindle. Book excerpt: As the title suggests, this book is a guide for retirees or potential retirees dealing with many of the issues that face all Americans. Most retires have to face the reality of how to live on a fixed income, some with limited resources. This book addresses those concerns and gives financial as well as practical advice on how cope with the burden of everyday living costs. The advice in this book is not an effort of the academic world. Rather, it is based on real world experiences of the author. In addition to the financial advice provided in the book the author provides advice and examples of his experiences with the psycological and physical challanges of living in retirement. To many retirees the thought of what they are going to do with themselves each day may be daunting.

Download or read book Retirement and the Individual Early retirement and related subjects written by United States. Congress. Senate. Special Committee on Aging. Subcommittee on Retirement and the Individual and published by . This book was released on 1967 with total page 228 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Predictable Surprise written by Sylvester J. Schieber and published by Oxford University Press. This book was released on 2015 with total page 477 pages. Available in PDF, EPUB and Kindle. Book excerpt: In "The Predictable Surprise", Sylvester J. Schieber shows that forewarnings of the coming retirement crisis have been apparent for decades, but we have never mustered the political will to address the problem. This book explains how we have gotten into the retirement predicament and where we can go from here.

Download or read book New Life Styles written by United States. Department of State and published by . This book was released on 1977 with total page 76 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Is Working America Preparing for Retirement written by United States. Congress. Senate. Committee on Labor and Human Resources. Subcommittee on Aging and published by . This book was released on 1996 with total page 82 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Rescuing Retirement written by Teresa Ghilarducci and published by Columbia University Press. This book was released on 2018-01-23 with total page 177 pages. Available in PDF, EPUB and Kindle. Book excerpt: Retirement shouldn’t be just for the rich: “Finally, a practical plan to address Americans’ lack of adequate retirement savings.”—Michael Bloomberg Everyone deserves to be able to retire with dignity, but this core feature of the social contract is in jeopardy. Companies have swerved away from pensions, and most of the workforce has woefully inadequate retirement savings. If we don’t act to fix this broken system, rates of impoverishment for senior citizens threaten to skyrocket, and tens of millions of Americans reaching retirement age in the coming decades will be forced to delay retirement and will experience a dramatic drop in their standard of living. In Rescuing Retirement, economist Teresa Ghilarducci and billionaire businessman 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. Built on people’s own money in individual Guaranteed Retirement Accounts, the plan requires no new taxes, no more bureaucracy, and no increase in the deficit. Speaking to Americans’ growing anxiety about their ability to retire, Rescuing Retirement provides answers to anyone wanting to understand the growing movement to protect a period of life once considered a deserved time of rest and creativity and offers a practical guide to the future of secure retirement. “Ghilarducci and James never slip into wonk-speak or jargon, and lay readers will appreciate the way the authors make sense of complex economic issues.”—Publishers Weekly

Download or read book Taking the Mystery Out of Retirement Planning written by U.S. Department of Labor and published by GPO FCIC. This book was released on 2008 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt: Designed for those about 10 years from retirement, this comprehensive publication has step-by-step worksheets to help you figure out how much money you need to retire and how to make sure your funds will last during your retirement.

Download or read book Recent Changes to the U S Military Retirement System written by Committee on Committee on Armed Services United States Senate and published by CreateSpace. This book was released on 2015-05-05 with total page 118 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Bipartisan Budget Act (BBA) of 2013 included a provision that reduced the cost-of-living adjustments (COLA) for working age military retirees by 1 percent until the retiree reaches the age of 62, at which time retired pay is adjusted to the level it would have been had the COLA not been reduced. In a USA Today column defending the legislation, Congressman Paul Ryan explained the provision as follows: "We make no changes for those currently at or above age 62. This reform affects only younger military retirees. Right now any person who has served 20 years can retire regardless of age. That means a serviceman who enlists at 18 becomes eligible for retirement at 38." The Consolidated Appropriations Act amended the BBA to exempt disability retirees and their survivors from the COLA reduction. The COLA reduction is wrong because it targets a single group, military retirees, to help address the budget problems of the Federal Government as a whole. While reforms have been made to the Federal civilian pension, those changes applied prospectively to new employees. By contrast, this change to military pensions will apply upon implementation to current retirees, their families, and survivors.

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 Retirement Security for Working Americans written by United States. Congress. Senate. Committee on Health, Education, Labor, and Pensions. Subcommittee on Employment, Safety, and Training and published by . This book was released on 2002 with total page 122 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Private Pension and Retiree Health Benefits written by United States. Congress. House. Select Committee on Aging. Subcommittee on Retirement Income and Employment and published by . This book was released on 1990 with total page 260 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Reconsidering Retirement written by Courtney C. Coile and published by Rowman & Littlefield. This book was released on 2010-11-01 with total page 188 pages. Available in PDF, EPUB and Kindle. Book excerpt: The economic downturn that began in 2008, the most severe in decades, has hit older Americans hard. Many have seen huge losses to their 401(k)s. In numerous cases the value of homes—the largest investment most older Americans have ever made—has diminished considerably. In addition, large numbers of American workers, including those 50 and older, have lost their jobs and may have difficulty replacing them. Suddenly the future seems a whole lot less certain, throwing years of planning into doubt. In Reconsidering Retirement, economists Courtney Coile and Phillip Levine go beyond the headlines to explain how the economic crisis will affect the future plans and well-being of older Americans. Amid well-publicized reports that older workers needed to stay on the job because of the crisis, the number of U.S. workers claiming Social Security retirement benefits actually rose substantially from 2008 to 2009. The authors maintain that job loss has been the culprit, leading to premature retirement, and while this trend may have been less noticed, it is perhaps the more significant outcome of the crisis. Coile and Levine examine the three major characteristics of the recession thought to influence retirement behavior: decline in the stock market, reduced housing values, and a weak labor market. The authors find that lower home prices did not actually affect retirement behavior but that the decline in the stock market did lead some workers to delay retirement, while a weakened labor market actually forced more older workers with fewer skills into retirement. As a result, these early retirees, who rely on Social Security, face a lifetime of lower benefits. The legacy of recessions is that those most in need usually are last to reap the benefits of an economic recovery. While the lion's share of media coverage after the economic downturn of 2008–09 has gone to the plight of older workers who remain employed, Courtney Coile and Phillip Levine exami

Download or read book Thirty year Retirement written by United States. Congress. Senate. Committee on Post Office and Civil Service and published by . This book was released on 1961 with total page 84 pages. Available in PDF, EPUB and Kindle. Book excerpt: Considers S. 188, to allow civil service employees to retire with full retirement benefits after thirty years' service.

Download or read book Retirement written by Thomas M. Osborne and published by . This book was released on 2019 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: