the predictable surprise the unraveling of the u s retirement system

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The Predictable Surprise

Author : Sylvester J. Schieber
ISBN : 9780190240394
Genre : Business & Economics
File Size : 85. 68 MB
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Social Security is in jeopardy, private pension systems have fallen apart, and workers are trying to save on their own for retirement with the stock market in the worst shape since the Great Depression. 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. Schieber, a renowned authority on this topic, provides a compact, insightful history of Social Security, pension plans, and other retirement options, highlighting both their original justifications and the point when things began to go wrong. He brings his discussion right up to the present morass and concludes with suggestions as to how we can reform our retirement system. Our situation is not hopeless, Schieber concludes, if we take on some of these issues and resolve them. If we do not, we will severely jeopardize the prosperity of younger generations.

Asset Management

Author : Andrew Ang
ISBN : 9780199382316
Genre : Business & Economics
File Size : 68. 42 MB
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In Asset Management: A Systematic Approach to Factor Investing, Professor Andrew Ang presents a comprehensive, new approach to the age-old problem of where to put your money. Years of experience as a finance professor and a consultant have led him to see that what matters aren't asset class labels, but instead the bundles of overlapping risks they represent. Factor risks must be the focus of our attention if we are to weather market turmoil and receive the rewards that come with doing so. Clearly written yet full of the latest research and data, Asset Management is indispensable reading for trustees, professional money managers, smart private investors, and business students who want to understand the economics behind factor risk premiums, to harvest them efficiently in their portfolios, and to embark on the search for true alpha.

State And Local Pensions

Author : Alicia H. Munnell
ISBN : 9780815724131
Genre : Business & Economics
File Size : 89. 73 MB
Format : PDF, ePub
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In the wake of the financial crisis and Great Recession, the health of state and local pension plans has emerged as a front burner policy issue. Elected officials, academic experts, and the media alike have pointed to funding shortfalls with alarm, expressing concern that pension promises are unsustainable or will squeeze out other pressing government priorities. A few local governments have even filed for bankruptcy, with pensions cited as a major cause. Alicia H. Munnell draws on both her practical experience and her research to provide a broad perspective on the challenge of state and local pensions. She shows that the story is big and complicated and cannot be viewed through a narrow prism such as accounting methods or the role of unions. By examining the diversity of the public plan universe, Munnell debunks the notion that all plans are in trouble. In fact, she finds that while a few plans are basket cases, many are functioning reasonably well. Munnell's analysis concludes that the plans in serious trouble need a major overhaul. But even the relatively healthy plans face three challenges ahead: an excessive concentration of plan assets in equities; the risk that steep benefit cuts for new hires will harm workforce quality; and the constraints plans face in adjusting future benefits for current employees. Here, Munnell proposes solutions that preserve the main strengths of state and local pensions while promoting needed reforms.

Html5 And Css Introductory

Author : Denise Woods
ISBN : 9781133526131
Genre : Computers
File Size : 21. 26 MB
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Introduce your students to a new generation of Shelly Cashman Series books! For the past three decades, the Shelly Cashman Series has effectively introduced computer skills to millions of students. With HTML5 and CSS Introductory, we’re continuing our history of innovation by enhancing our proven pedagogy to reflect the learning styles of today’s students. Within this text you will find features that are specifically designed to engage students, improve retention, and prepare them for future success. Important Notice: Media content referenced within the product description or the product text may not be available in the ebook version.

Wrongful Death

Author : Robert Dugoni
ISBN : 9781439100608
Genre : Fiction
File Size : 82. 79 MB
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New York Times bestselling author Robert Dugoni tackles hot-button issues in this riveting legal thriller featuring attorney David Sloane. When a widow asks Sloane to take her case against the military, Sloane knows it's a lost cause but can't turn her down, even if it puts his own life--and the lives of his family--in dire jeopardy. Just minutes after winning a $1.6 million wrongful-death verdict, attorney David Sloane confronts the one case that threatens to blemish his unbeaten record in the courtroom. Beverly Ford wants Sloane to sue the United States government and military in the mysterious death of her husband, James, a national guardsman killed in Iraq. While a decades-old military doctrine might make Ford's case impossible to win, Sloane, a former soldier himself, is compelled to find justice for the widow and her four children in what is certain to become the biggest challenge of his career. With little hard evidence to go on, Sloane calls on his friend, reclusive former CIA agent turned private investigator Charles Jenkins, to track down the other men serving with Ford the night he died. Alarmingly, two of the four who returned home alive didn't stay that way for long, and though the mission's wheelchairbound commander now works for a civilian contractor, he refuses to talk. The final -- and youngest -- soldier is also the most elusive, but he's their only shot at discovering the truth -- if Sloane and Jenkins can keep him alive long enough to tell it. Meanwhile, Sloane isn't the only one on a manhunt. As he propels his case into a federal courtroom, those seeking to hide the truth threaten Sloane's family, forcing his new wife Tina and stepson Jake into hiding, where they become the targets of a relentless killer. Now Sloane must race to uncover what really happened on that fatal mission, not only to bring justice to a family wronged but to keep himself and the people closest to him from becoming the next casualties....

Psychology Of Intelligence Analysis

Author : Richards J. Heuer
ISBN : 9780160590351
Genre : Psychology
File Size : 22. 53 MB
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Trusting What You Re Told

Author : Paul L. Harris
ISBN : 9780674069848
Genre : Psychology
File Size : 79. 29 MB
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If children were little scientists who learn best through firsthand observations and mini-experiments, how would a child discover that the earth is round—never mind conceive of heaven as a place someone might go after death? Trusting What You’re Told begins by reminding us of a basic truth: Most of what we know we learned from others.

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