Retirement Heist

Retirement Heist PDF
Author: Ellen E. Schultz
Publisher: Penguin
Size: 20.38 MB
Category : Political Science
Languages : en
Pages : 256
View: 7580

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Retirement Heist

by Ellen E. Schultz, Retirement Heist Books available in PDF, EPUB, Mobi Format. Download Retirement Heist books, "'As far as I can determine there is only one solution [to the CEO's demand to save more money]', the HR representative wrote to her superiors. 'That would be the death of all existing retirees.'" It's no secret that hundreds of companies have been slashing pensions and health coverage earned by millions of retirees. Employers blame an aging workforce, stock market losses, and spiraling costs- what they call "a perfect storm" of external forces that has forced them to take drastic measures. But this so-called retirement crisis is no accident. Ellen E. Schultz, award-winning investigative reporter for the Wall Street Journal, reveals how large companies and the retirement industry-benefits consultants, insurance companies, and banks-have all played a huge and hidden role in the death spiral of American pensions and benefits. A little over a decade ago, most companies had more than enough set aside to pay the benefits earned by two generations of workers, no matter how long they lived. But by exploiting loopholes, ambiguous regulations, and new accounting rules, companies essentially turned their pension plans into piggy banks, tax shelters, and profit centers. Drawing on original analysis of company data, government filings, internal corporate documents, and confidential memos, Schultz uncovers decades of widespread deception during which employers have exaggerated their retiree burdens while lobbying for government handouts, secretly cutting pensions, tricking employees, and misleading shareholders. She reveals how companies: Siphon billions of dollars from their pension plans to finance downsizings and sell the assets in merger deals Overstate the burden of rank-and-file retiree obligations to justify benefits cuts while simultaneously using the savings to inflate executive pay and pensions Hide their growing executive pension liabilities, which at some companies now exceed the liabilities for the regular pension plans Purchase billions of dollars of life insurance on workers and use the policies as informal executive pension funds. When the insured workers and retirees die, the company collects tax-free death benefits Preemptively sue retirees after cutting retiree health benefits and use other legal strategies to erode their legal protections. Though the focus is on large companies-which drive the legislative agenda-the same games are being played at smaller companies, non-profits, public pensions plans and retirement systems overseas. Nor is this a partisan issue: employees of all political persuasions and income levels-from managers to miners, pro- football players to pilots-have been slammed. Retirement Heist is a scathing and urgent expose of one of the most critical and least understood crises of our time.

The Age Of Agile

The Age of Agile PDF
Author: Stephen Denning
Publisher: AMACOM
Size: 58.44 MB
Category : Business & Economics
Languages : en
Pages : 336
View: 3201

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The Age Of Agile

by Stephen Denning, The Age Of Agile Books available in PDF, EPUB, Mobi Format. Download The Age Of Agile books, An unstoppable business revolution is under way--and it is Agile. Sparking dramatic improvements in quality, innovation, and speed-to-market, the Agile movement has helped companies both large and small learn to connect everyone and everything . . . all the time.With rapidly evolving consumer needs and technology that is that is being updated quicker than ever before, businesses are recognizing how vitally essential it is adapt. And adapt quickly. The Agile movement enables a team, unit, or enterprise to nimbly acclimate and upgrade products and services to meet these constantly changing needs.Filled with examples from every sector, The Age of Agile helps readers:• Master the three laws of Agile Management (team, customer, network)• Embrace the new mindset• Overcome constraints• Employ meaningful metrics• Make the entire organization Agile• And more!Companies don’t need to be born Agile. With the groundbreaking formulas laid out in this book, even global giants can learn to act entrepreneurially. Your company’s future may depend on it!

The Labor Guide To Retirement Plans

The Labor Guide to Retirement Plans PDF
Author: James W. Russell
Publisher: NYU Press
Size: 12.35 MB
Category : Business & Economics
Languages : en
Pages : 256
View: 7648

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The Labor Guide To Retirement Plans

by James W. Russell, The Labor Guide To Retirement Plans Books available in PDF, EPUB, Mobi Format. Download The Labor Guide To Retirement Plans books, A helpful how-to 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.

Carpetbagging America S Public Schools

Carpetbagging America   s Public Schools PDF
Author: Curtis J. Cardine
Publisher: Rowman & Littlefield
Size: 41.85 MB
Category : Education
Languages : en
Pages : 260
View: 700

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Carpetbagging America S Public Schools

by Curtis J. Cardine, Carpetbagging America S Public Schools Books available in PDF, EPUB, Mobi Format. Download Carpetbagging America S Public Schools books, This book is a forensic accounting analysis of the financial effects of twenty years of charter schools and vouchers on the publics investment in public education.

The Role Of Social Security Defined Benefits And Private Retirement Accounts In The Face Of The Retirement Crisis

The Role of Social Security  Defined Benefits  and Private Retirement Accounts in the Face of the Retirement Crisis PDF
Author: United States. Congress. Senate. Committee on Finance. Subcommittee on Social Security, Pensions, and Family Policy
Publisher:
Size: 30.75 MB
Category : Defined benefit pension plans
Languages : en
Pages : 139
View: 2184

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The Role Of Social Security Defined Benefits And Private Retirement Accounts In The Face Of The Retirement Crisis

by United States. Congress. Senate. Committee on Finance. Subcommittee on Social Security, Pensions, and Family Policy, The Role Of Social Security Defined Benefits And Private Retirement Accounts In The Face Of The Retirement Crisis Books available in PDF, EPUB, Mobi Format. Download The Role Of Social Security Defined Benefits And Private Retirement Accounts In The Face Of The Retirement Crisis books,

The Market For Retirement Financial Advice

The Market for Retirement Financial Advice PDF
Author: Olivia S. Mitchell
Publisher: Oxford University Press
Size: 70.80 MB
Category : Business & Economics
Languages : en
Pages : 352
View: 3999

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The Market For Retirement Financial Advice

by Olivia S. Mitchell, The Market For Retirement Financial Advice Books available in PDF, EPUB, Mobi Format. Download The Market For Retirement Financial Advice books, The latest volume in the Pension Research Council series examines the financial advice profession as financial literacy becomes increasingly necessary for those saving for retirement.

Retirement Heist

Retirement Heist PDF
Author: Ellen Schultz
Publisher: Portfolio (Hardcover)
Size: 29.11 MB
Category : Business & Economics
Languages : en
Pages : 245
View: 4598

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Retirement Heist

by Ellen Schultz, Retirement Heist Books available in PDF, EPUB, Mobi Format. Download Retirement Heist books, A Pulitzer Prize-winning journalist exposes the mismanagement and corruption in major companies that led to severe reductions in employee retirement benefits, contending that business leaders have misrepresented costs to justify the eliminations of pensions and health coverage.

Schooling Alone

Schooling Alone PDF
Author: Curtis J. Cardine
Publisher: Rowman & Littlefield
Size: 11.31 MB
Category : Education
Languages : en
Pages : 210
View: 6424

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Schooling Alone

by Curtis J. Cardine, Schooling Alone Books available in PDF, EPUB, Mobi Format. Download Schooling Alone books, Schooling Alone is a look at the history of public education and the current state of the efforts to privatize our public schools.

Business Scandals Corruption And Reform An Encyclopedia 2 Volumes

Business Scandals  Corruption  and Reform  An Encyclopedia  2 volumes  PDF
Author: Gary Giroux
Publisher: ABC-CLIO
Size: 50.53 MB
Category : Business & Economics
Languages : en
Pages : 764
View: 3508

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Business Scandals Corruption And Reform An Encyclopedia 2 Volumes

by Gary Giroux, Business Scandals Corruption And Reform An Encyclopedia 2 Volumes Books available in PDF, EPUB, Mobi Format. Download Business Scandals Corruption And Reform An Encyclopedia 2 Volumes books, Written by an expert on financial analysis and capitalism, this book describes the widespread corruption and specific scandals that have occurred throughout history when ethically-challenged innovators and greedy scoundrels are unable to resist the dark side of corruption.

Findependence Day

Findependence Day PDF
Author: Jonathan Chevreau
Publisher: Trafford Publishing
Size: 26.10 MB
Category : Business & Economics
Languages : en
Pages : 290
View: 4748

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Findependence Day

by Jonathan Chevreau, Findependence Day Books available in PDF, EPUB, Mobi Format. Download Findependence Day books, Get rich slowly! Financial independence is a marathon, not a sprint. The financial crisis revealed the hazards of financial illiteracy. Governments desperately want citizens to become financially independent so theyll be less of a burden on them. Findependence Day presents personal finance in a cant put down story format easily digested by young adults entering the work force and the world of money. Because money problems often cause marital breakups, it focuses on the financial journey of a young couple who experience the usual ups and downs of job loss, buying homes, raising children, investing and pensions, starting businesses, coping with stock market volatility and more. The secrets of financial independence are critical wherever you are in the financial life cycle: Newlyweds embarking on family formation will discover the importance of financial planning. Debt-plagued graduates will be motivated to embrace guerrilla frugality. Home-owners will learn the foundation of financial independence is a paid-for home. Those in their first jobs will embrace employer 401(k) plans, traditional IRAs and Roth IRAs. New parents will discover the need for life insurance and saving for childrens education. Mid-life investors will learn how to cut costs in their portfolios while benefiting from the expertise of financial planners. Those near retirement will learn about advanced concepts like annuities and Asset Dedication. Jonathan Chevreau is the editor of MoneySense magazine, former personal finance columnist for the Financial Post and author of nine financial books, including The Wealthy Boomer: Life After Mutual Funds. Hes active in social media and blogs at www.findependenceday.com. Once in a blue moon, a financial book is written that should be required reading for all. Such is the case with Findependence Day. -- Peter Grandich, The Grandich Letter A tour de force: a personal-finance book that is hard to put down. Larry MacDonald, CanadianBusiness.com Having some fun while learning what's good for you is a double win -- particularly learning what we all need to know to live happier lives." Charles Ellis, author of Winning the Losers Game This revised all-American edition features end-of-chapter summaries of financial concepts learned, a glossary and bibliography of books that will boost your financial literacy or that of your kids.

Job Market Survival Guide In 2012 Beyond

Job Market  Survival Guide in 2012   Beyond PDF
Author: David Paraiso
Publisher: Lulu.com
Size: 64.51 MB
Category :
Languages : en
Pages : 80
View: 7027

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Job Market Survival Guide In 2012 Beyond

by David Paraiso, Job Market Survival Guide In 2012 Beyond Books available in PDF, EPUB, Mobi Format. Download Job Market Survival Guide In 2012 Beyond books, This book is a collection of best practices and lessons learned in planning, and implementing various strategies of preparing for, keeping and transitioning from jobs to other jobs in several industries - healthcare, banking, finance, semi-conductor, retail, aerospace, automotive, telecommunications, oil, federal/state/county/city governments, entertainment, and transportation - among others. This book builds the case for public officials, policy makers, the private sector and the rest of us to get our act and work together. The current economic problems and loss of jobs are self-inflicted and caused by a catastrophic collapse of governance in 2008 and the years prior. Companion volumes to this book are: Job Market: Innovators, Stakeholders & Infrastructure, Job Market: Family and Support System, and Job Market: The Retired, Disadvantaged and Marginalized.

Downhill From Here

Downhill from Here PDF
Author: Katherine S. Newman
Publisher: Metropolitan Books
Size: 14.65 MB
Category : Social Science
Languages : en
Pages : 336
View: 2790

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Downhill From Here

by Katherine S. Newman, Downhill From Here Books available in PDF, EPUB, Mobi Format. Download Downhill From Here books, A sharp examination of the looming financial catastrophe of retirement in America. As millions of Baby Boomers reach their golden years, the state of retirement in America is little short of a disaster. Nearly half the households with people aged 55 and older have no retirement savings at all. The real estate crash wiped out much of the home equity that millions were counting on to support their retirement. And the typical Social Security check covers less than 40% of pre-retirement wages—a number projected to drop to under 28% within two decades. Old-age poverty, a problem we thought was solved by the New Deal, is poised for a resurgence. With dramatic statistics and vivid portraits, acclaimed sociologist Katherine S. Newman shows that the American retirement crisis touches us all, cutting across class lines and generational divides. White-collar managers have seen retirement benefits vanish; Teamsters have had their pensions cut in half; bankrupt cities like Detroit have walked away from their commitments to municipal workers. And for Generation X, the prospects are even worse: a fifth of them expect to never be able to retire. Only the vaunted “one percent” can face retirement without fear. Other countries are confronting similar demographic challenges, yet they have not abandoned their social contract with seniors. Downhill From Here makes it clear that America, too, can—and must—do better.

Anyone That Works For A Living And Votes Republican Is An Idiot

Anyone That Works for a Living and Votes Republican Is an Idiot PDF
Author: Clyde Coughenour
Publisher: Trafford Publishing
Size: 53.88 MB
Category : Political Science
Languages : en
Pages : 668
View: 6370

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Anyone That Works For A Living And Votes Republican Is An Idiot

by Clyde Coughenour, Anyone That Works For A Living And Votes Republican Is An Idiot Books available in PDF, EPUB, Mobi Format. Download Anyone That Works For A Living And Votes Republican Is An Idiot books, Anyone Th at Works for a Living and Votes Republican Is an Idiot provides an overview of the political plight of the U.S. worker, primarily over the last century. It is intended for those citizens of the United States who work for a living in times of peace and war and who wear a uniform and bear arms to support the nations war efforts in times of peace and distress. The worker has little or no power individually. Because so much time must be spent earning a living and trying to survive, there is little time for investigating the big picture when it is so obscured by the media, charades, and the truth of the claims, counterclaims and professionally drafted hype disseminated during political and policy campaigns. One of the only powers remaining for workers is collective action through organizations such as unions or their own political party or their votes at the polls. Discover how the capitalist pigs and their PPP (Pig Party Prostitutes) took over the U.S. for the benefi t of the small, wealthy, worldwide aristocracy. We need a progressive workers party to salvage or restore an independent, viable American democracy and establish the middle class for We the People as intended.

Agile

           Agile PDF
Author: Стивен Деннинг
Publisher: "Манн, Иванов и Фербер"
Size: 43.18 MB
Category :
Languages : ru
Pages : 384
View: 6993

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Agile

by Стивен Деннинг, Agile Books available in PDF, EPUB, Mobi Format. Download Agile books, Из книги ведущего эксперта в области лидерства и инноваций Стивена Деннинга вы поймете, как работают гибкие методы управления и как ставить большие цели в развитии компании и искать пути их достижения.

Finance For Academics

Finance for Academics PDF
Author: Ronald A. Francisco
Publisher: Springer Science & Business Media
Size: 30.39 MB
Category : Business & Economics
Languages : en
Pages : 129
View: 4608

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Finance For Academics

by Ronald A. Francisco, Finance For Academics Books available in PDF, EPUB, Mobi Format. Download Finance For Academics books, ​The purpose of this book is to provide a hands-on guide to finance and investment for academics with an objective of providing strategies to maximize income, minimize fees, and legally minimize taxes. There are many risks in finance and investment such as stock market crashes, inflation, corruption, fees and interest rates. This book stresses that stocks and bonds are the mainstay of most investors. Dividend-growth stocks mitigate the risk of inflation. In addition, they cost nothing once they are purchased, unlike mutual funds that have constant fees. The author explains how to find dividend-growth stocks whose payout increase exceeds inflation and how to compound quarterly in order to make projections for future growth in the number of shares or in the value of the capital itself. The author, in addition, discusses the value of bond funds and master-limited partnerships for an investment portfolio. Retirement income is a major concern for senior academics and the median level of retirement savings for those 55 to 64 is only $145,000, which is insufficient. The author stresses the need to mix dividend-growth stocks and closed-end bond funds to fund retirement as well as explains Roth IRAs, 401(k)s and other such tax-free forms of retirement financing. Finally, the book examines financial risks and shows how to mitigate them to the extent possible. This book is a must-have for any professor or academic approaching retirement age or looking to secure their future income.​

Lab Rats

Lab Rats PDF
Author: Dan Lyons
Publisher: Atlantic Books
Size: 61.61 MB
Category : Business & Economics
Languages : en
Pages :
View: 3770

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Lab Rats

by Dan Lyons, Lab Rats Books available in PDF, EPUB, Mobi Format. Download Lab Rats books, Guardian's Best Non-Fiction, 2019 The Tablet's Highlights of 2019 Personality tests. Team-building exercises. Forced Fun. Desktop surveillance. Open-plan offices. Acronyms. Diminishing job security. Hot desking. Pointless perks. Hackathons. If any of the above sound familiar, welcome to the modern economy. In this hilarious, but deadly serious book, bestselling author Dan Lyons looks at how the world of work has slowly morphed from one of unions and steady career progression to a dystopia made of bean bags and unpaid internships. And that's the 'good' jobs... With the same wit that made Disrupted an international bestseller, Lyons shows how the hypocrisy of Silicon Valley has now been exported globally to a job near you. Even low-grade employees are now expected to view their jobs with a cult-like fervour, despite diminishing prospects of promotion. From the gig economy to the new digital oligarchs, Lyons deliciously roasts the new work climate, while asking what can be done to recoup some sanity and dignity for the expanding class of middle-class serfs.