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pro vyhledávání: '"Benjamin H. Harris"'
Autor:
Martin Neil Baily, Benjamin H. Harris
Publikováno v:
The Retirement Challenge ISBN: 0197639275
Many families follow the life cycle model, often saving at work in a 401(k)-type plan. Owning a home and paying off the mortgage also provides an important retirement asset. For other families, though, saving is hard. Low-wage and short-term jobs, un
Externí odkaz:
https://explore.openaire.eu/search/publication?articleId=doi_________::6aa478249aab68c83525929f897e9dfc
https://doi.org/10.1093/oso/9780197639276.003.0006
https://doi.org/10.1093/oso/9780197639276.003.0006
Autor:
Martin Neil Baily, Benjamin H. Harris
Publikováno v:
The Retirement Challenge ISBN: 0197639275
Many families can improve their standard of living in retirement if they decide to work longer. Some families have a sizable nest egg for retirement, so they can choose to retire early or keep working. Other families have had mentally or physically d
Externí odkaz:
https://explore.openaire.eu/search/publication?articleId=doi_________::ddf3e9ff38a7c7dc106ce47fc2fcc1ca
https://doi.org/10.1093/oso/9780197639276.003.0005
https://doi.org/10.1093/oso/9780197639276.003.0005
Autor:
Martin Neil Baily, Benjamin H. Harris
Publikováno v:
The Retirement Challenge ISBN: 0197639275
A more secure retirement involves managing retirement risks. Perhaps the most prevalent risk involves uncertainty around the length of life. People do not know how long they will live and risk running out of money. Annuity products can help address t
Externí odkaz:
https://explore.openaire.eu/search/publication?articleId=doi_________::689d873b94566742e0c870858f882b1a
https://doi.org/10.1093/oso/9780197639276.003.0008
https://doi.org/10.1093/oso/9780197639276.003.0008
Autor:
Martin Neil Baily, Benjamin H. Harris
Publikováno v:
The Retirement Challenge ISBN: 0197639275
Social Security, Medicare, and Medicaid form the foundation of retirement. They have transformed the lives of millions of Americans, reducing the elderly poverty rate, covering medical expenses, and providing nursing home care. In total, entitlements
Externí odkaz:
https://explore.openaire.eu/search/publication?articleId=doi_________::f38343364afe90eac70cfc5fbc0f20e1
https://doi.org/10.1093/oso/9780197639276.003.0004
https://doi.org/10.1093/oso/9780197639276.003.0004
Autor:
Martin Neil Baily, Benjamin H. Harris
Publikováno v:
The Retirement Challenge ISBN: 0197639275
One retirement challenge is how retirees can spend down their assets (or “decumulate”) to manage the risks described in earlier chapters. The markets for insurance-like products—such as annuities, reverse mortgages, and long-term care insurance
Externí odkaz:
https://explore.openaire.eu/search/publication?articleId=doi_________::26cfddad20ef5d89e381420395cb28b9
https://doi.org/10.1093/oso/9780197639276.003.0013
https://doi.org/10.1093/oso/9780197639276.003.0013
Autor:
Martin Neil Baily, Benjamin H. Harris
Publikováno v:
The Retirement Challenge ISBN: 0197639275
Economic growth affects retirement preparedness, and savings decisions can also affect economic growth. First, slow economic growth can threaten retirement programs’ financing. There are fewer workers for each retiree than in the past, and each new
Externí odkaz:
https://explore.openaire.eu/search/publication?articleId=doi_________::85cc6533488c4ba23893bf4374031e8a
https://doi.org/10.1093/oso/9780197639276.003.0003
https://doi.org/10.1093/oso/9780197639276.003.0003
Autor:
Martin Neil Baily, Benjamin H. Harris
Publikováno v:
The Retirement Challenge ISBN: 0197639275
The best way to build retirement preparedness is to fix the system we have. The most important step is to ensure that more people have access to a retirement account at work. The government could mandate that all employers provide accounts, but small
Externí odkaz:
https://explore.openaire.eu/search/publication?articleId=doi_________::3e63b301ec04bb38c51c5a7b00c42604
https://doi.org/10.1093/oso/9780197639276.003.0011
https://doi.org/10.1093/oso/9780197639276.003.0011
Autor:
Martin Neil Baily, Benjamin H. Harris
Publikováno v:
The Retirement Challenge ISBN: 0197639275
This chapter examines how the labor market is changing, forcing older workers to adapt to different jobs and new ways of working. The Great Recession of 2007 and 2009 was a persistent drag on the labor market, while COVID-19 triggered a much sharper,
Externí odkaz:
https://explore.openaire.eu/search/publication?articleId=doi_________::2ee049e8f9225c4bb6f1a55dbf5de2f9
https://doi.org/10.1093/oso/9780197639276.003.0007
https://doi.org/10.1093/oso/9780197639276.003.0007
Autor:
Martin Neil Baily, Benjamin H. Harris
Publikováno v:
The Retirement Challenge ISBN: 0197639275
Many families have savings in financial assets but considerable wealth as home equity. They can sell the house, but then the family must find another place to live. Naturally, some retirees want to remain in their own homes and “age in place.” Re
Externí odkaz:
https://explore.openaire.eu/search/publication?articleId=doi_________::a6e09ef96cb85600d545ae9cf0f253d2
https://doi.org/10.1093/oso/9780197639276.003.0010
https://doi.org/10.1093/oso/9780197639276.003.0010
Autor:
Martin Neil Baily, Benjamin H. Harris
Publikováno v:
The Retirement Challenge ISBN: 0197639275
Retirees run the risk of outliving their assets and facing large medical expenses at the end of life. Nursing home care costs more than $100,000 a year in some places. Dementia care can last for several years if the person contracts Alzheimer’s whi
Externí odkaz:
https://explore.openaire.eu/search/publication?articleId=doi_________::eff5a923483a550e13ebef1abba2b636
https://doi.org/10.1093/oso/9780197639276.003.0009
https://doi.org/10.1093/oso/9780197639276.003.0009