The document summarizes the current state of retirement in the United States, including challenges like inadequate financial resources, lack of retirement plan participation, and declining defined benefit plans. It then provides recommendations for individuals, such as developing a retirement plan, maximizing Social Security and pension benefits, and adjusting expenses to match retirement income. Finally, it offers examples of calculating target retirement savings needed at different ages.
This workshop was developed for all tenure-related faculty who are interested in learning about the Tenure Reduction Program (TRP). The TRP provides an opportunity for tenured faculty to gradually reduce their involvement at the UO for up to five years after retirement. This workshop addressed eligibility, rights and responsibilities, interaction with PERS and other retirement funds, faculty standing in the department and university, types of instructional assignments, class enrollments, alternatives to teaching, and constraints on employment and sustaining PERS eligibility.
The workshop was facilitated by Ken Doxsee, Associate Vice Provost for Academic Affairs; Ernie Pressman, Benefits Administrator, Human Resources; and Sonia Potter, Director, Unclassified Personnel Services.
This workshop was developed for all tenure-related faculty who are interested in learning about the Tenure Reduction Program (TRP). The TRP provides an opportunity for tenured faculty to gradually reduce their involvement at the UO for up to five years after retirement. This workshop addressed eligibility, rights and responsibilities, interaction with PERS and other retirement funds, faculty standing in the department and university, types of instructional assignments, class enrollments, alternatives to teaching, and constraints on employment and sustaining PERS eligibility.
The workshop was facilitated by Ken Doxsee, Associate Vice Provost for Academic Affairs; Ernie Pressman, Benefits Administrator, Human Resources; and Sonia Potter, Director, Unclassified Personnel Services.
Control & enjoy strong income -even in event of disability. Group disability is cheap but pays out too little. If you can qualify, here's what you want professional Disability insurance to do for you. >>> See also at Amazon, "A Lifetime Of Wealth -- And How Not To Lose It"
Mark Miller, author of the forthcoming The Hard Times Guide to Retirement Security and editor and publisher of RetirementRevised.com spoke on the challenges and solutions facing boomers in the transition years.
Planning for a Financiall Successful RetirementSkoda Minotti
Regardless of where you are in the savings cycle, this informative session will help you plan to save wisely for retirement by teaching you how to assess your current financial situation, set goals and expectations, and test the likelihood that you will achieve realistic retirement savings goals.
Social Security Disability Insurance (SSDI) and Supplemental Security Income ...mitoaction
Please join us on Friday, August 7, 2015 as we welcome two experts in the field of Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) provide an overview of these public benefits for Mito patients. Topics to be covered in this conference call include:
Overview of SSI and SSDI programs;
The differences between SSI and SSDI;
Social Security’s definition of disability as it pertains to mitochondrial disease;
How SSDI is designed to work, eligibility criteria, and the full range of SSDI benefitts;
The application and appeals processes for SSI and SSDI;
Resources available to support SSI and SSDI applications and appeals processes;
Information on SSI and SSDI benefits for adult disabled children;
Returning to work after obtaining social security benefits (the "Ticket to Work Program");
Specific challenges for individuals with mitochondrial disease in applying for SSDI and how to address them; and
The benefits of professional representation and how to evaluate representation options.
Retirement Savings Challenges for WomenBobby Cherry
When it comes to saving for retirement and planning for retirement income, women face a number of unique challenges, which we’ll be discussing in more detail.
First of all, women generally live longer than men, which means they may need to plan for more years in retirement.
Because of their longer life expectancies, women should also consider that they may spend some of their retirement years living on their own.
Women often interrupt their careers to care for children and aging parents.
Because of these career interruptions, women may spend less time in the workforce and earn less money than men in the same age group, which could result in saving less for retirement and having a lower Social Security benefit.
It’s important to recognize these challenges and plan accordingly. Let’s look at each challenge a little more closely.
This is a presentation I gave to my writing for the organization class. We were assigned to give an informative speech. I chose retirement because too many times its overly complicated and many young people cannot understand it.
"If only I had"... LV= insights into retirement planning webinarILC- UK
As part of this debate LV= shares the findings from their quarterly Wealth and Wellbeing research programme, which surveys a nationally representative sample of 4,000 adults across the UK on a variety of topics, including their changing attitude to their finances and their wider wellbeing.
Control & enjoy strong income -even in event of disability. Group disability is cheap but pays out too little. If you can qualify, here's what you want professional Disability insurance to do for you. >>> See also at Amazon, "A Lifetime Of Wealth -- And How Not To Lose It"
Mark Miller, author of the forthcoming The Hard Times Guide to Retirement Security and editor and publisher of RetirementRevised.com spoke on the challenges and solutions facing boomers in the transition years.
Planning for a Financiall Successful RetirementSkoda Minotti
Regardless of where you are in the savings cycle, this informative session will help you plan to save wisely for retirement by teaching you how to assess your current financial situation, set goals and expectations, and test the likelihood that you will achieve realistic retirement savings goals.
Social Security Disability Insurance (SSDI) and Supplemental Security Income ...mitoaction
Please join us on Friday, August 7, 2015 as we welcome two experts in the field of Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) provide an overview of these public benefits for Mito patients. Topics to be covered in this conference call include:
Overview of SSI and SSDI programs;
The differences between SSI and SSDI;
Social Security’s definition of disability as it pertains to mitochondrial disease;
How SSDI is designed to work, eligibility criteria, and the full range of SSDI benefitts;
The application and appeals processes for SSI and SSDI;
Resources available to support SSI and SSDI applications and appeals processes;
Information on SSI and SSDI benefits for adult disabled children;
Returning to work after obtaining social security benefits (the "Ticket to Work Program");
Specific challenges for individuals with mitochondrial disease in applying for SSDI and how to address them; and
The benefits of professional representation and how to evaluate representation options.
Retirement Savings Challenges for WomenBobby Cherry
When it comes to saving for retirement and planning for retirement income, women face a number of unique challenges, which we’ll be discussing in more detail.
First of all, women generally live longer than men, which means they may need to plan for more years in retirement.
Because of their longer life expectancies, women should also consider that they may spend some of their retirement years living on their own.
Women often interrupt their careers to care for children and aging parents.
Because of these career interruptions, women may spend less time in the workforce and earn less money than men in the same age group, which could result in saving less for retirement and having a lower Social Security benefit.
It’s important to recognize these challenges and plan accordingly. Let’s look at each challenge a little more closely.
This is a presentation I gave to my writing for the organization class. We were assigned to give an informative speech. I chose retirement because too many times its overly complicated and many young people cannot understand it.
"If only I had"... LV= insights into retirement planning webinarILC- UK
As part of this debate LV= shares the findings from their quarterly Wealth and Wellbeing research programme, which surveys a nationally representative sample of 4,000 adults across the UK on a variety of topics, including their changing attitude to their finances and their wider wellbeing.
PICTURE IT your moment of retirement. You’ve worked hard to get here. Now it’s time to
do all of the things you’ve been dreaming about for the last 40 years. Whatever it is you want
to do, you’re going to need to make sure you have a paycheck to do it.
During your working years, your focus was saving for retirement. But now your focus shifts to
creating income in retirement. That means creating a paycheck from your retirement savings.
When planning how much income you’ll need for your retirement paycheck, it’s important to
consider the impact outside factors can have on how long your money will last.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
LA HUG - Video Testimonials with Chynna Morgan - June 2024Lital Barkan
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Vat Registration is a legal obligation for businesses meeting the threshold requirement, helping companies avoid fines and ramifications. Contact now!
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Implicitly or explicitly all competing businesses employ a strategy to select a mix
of marketing resources. Formulating such competitive strategies fundamentally
involves recognizing relationships between elements of the marketing mix (e.g.,
price and product quality), as well as assessing competitive and market conditions
(i.e., industry structure in the language of economics).
3.0 Project 2_ Developing My Brand Identity Kit.pptxtanyjahb
A personal brand exploration presentation summarizes an individual's unique qualities and goals, covering strengths, values, passions, and target audience. It helps individuals understand what makes them stand out, their desired image, and how they aim to achieve it.
RMD24 | Debunking the non-endemic revenue myth Marvin Vacquier Droop | First ...BBPMedia1
Marvin neemt je in deze presentatie mee in de voordelen van non-endemic advertising op retail media netwerken. Hij brengt ook de uitdagingen in beeld die de markt op dit moment heeft op het gebied van retail media voor niet-leveranciers.
Retail media wordt gezien als het nieuwe advertising-medium en ook mediabureaus richten massaal retail media-afdelingen op. Merken die niet in de betreffende winkel liggen staan ook nog niet in de rij om op de retail media netwerken te adverteren. Marvin belicht de uitdagingen die er zijn om echt aansluiting te vinden op die markt van non-endemic advertising.
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Memorandum Of Association Constitution of Company.pptseri bangash
www.seribangash.com
A Memorandum of Association (MOA) is a legal document that outlines the fundamental principles and objectives upon which a company operates. It serves as the company's charter or constitution and defines the scope of its activities. Here's a detailed note on the MOA:
Contents of Memorandum of Association:
Name Clause: This clause states the name of the company, which should end with words like "Limited" or "Ltd." for a public limited company and "Private Limited" or "Pvt. Ltd." for a private limited company.
https://seribangash.com/article-of-association-is-legal-doc-of-company/
Registered Office Clause: It specifies the location where the company's registered office is situated. This office is where all official communications and notices are sent.
Objective Clause: This clause delineates the main objectives for which the company is formed. It's important to define these objectives clearly, as the company cannot undertake activities beyond those mentioned in this clause.
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Liability Clause: It outlines the extent of liability of the company's members. In the case of companies limited by shares, the liability of members is limited to the amount unpaid on their shares. For companies limited by guarantee, members' liability is limited to the amount they undertake to contribute if the company is wound up.
https://seribangash.com/promotors-is-person-conceived-formation-company/
Capital Clause: This clause specifies the authorized capital of the company, i.e., the maximum amount of share capital the company is authorized to issue. It also mentions the division of this capital into shares and their respective nominal value.
Association Clause: It simply states that the subscribers wish to form a company and agree to become members of it, in accordance with the terms of the MOA.
Importance of Memorandum of Association:
Legal Requirement: The MOA is a legal requirement for the formation of a company. It must be filed with the Registrar of Companies during the incorporation process.
Constitutional Document: It serves as the company's constitutional document, defining its scope, powers, and limitations.
Protection of Members: It protects the interests of the company's members by clearly defining the objectives and limiting their liability.
External Communication: It provides clarity to external parties, such as investors, creditors, and regulatory authorities, regarding the company's objectives and powers.
https://seribangash.com/difference-public-and-private-company-law/
Binding Authority: The company and its members are bound by the provisions of the MOA. Any action taken beyond its scope may be considered ultra vires (beyond the powers) of the company and therefore void.
Amendment of MOA:
While the MOA lays down the company's fundamental principles, it is not entirely immutable. It can be amended, but only under specific circumstances and in compliance with legal procedures. Amendments typically require shareholder
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Tata Group Dials Taiwan for Its Chipmaking Ambition in Gujarat’s DholeraAvirahi City Dholera
The Tata Group, a titan of Indian industry, is making waves with its advanced talks with Taiwanese chipmakers Powerchip Semiconductor Manufacturing Corporation (PSMC) and UMC Group. The goal? Establishing a cutting-edge semiconductor fabrication unit (fab) in Dholera, Gujarat. This isn’t just any project; it’s a potential game changer for India’s chipmaking aspirations and a boon for investors seeking promising residential projects in dholera sir.
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RMD24 | Retail media: hoe zet je dit in als je geen AH of Unilever bent? Heid...BBPMedia1
Grote partijen zijn al een tijdje onderweg met retail media. Ondertussen worden in dit domein ook de kansen zichtbaar voor andere spelers in de markt. Maar met die kansen ontstaan ook vragen: Zelf retail media worden of erop adverteren? In welke fase van de funnel past het en hoe integreer je het in een mediaplan? Wat is nu precies het verschil met marketplaces en Programmatic ads? In dit half uur beslechten we de dilemma's en krijg je antwoorden op wanneer het voor jou tijd is om de volgende stap te zetten.
Cracking the Workplace Discipline Code Main.pptxWorkforce Group
Cultivating and maintaining discipline within teams is a critical differentiator for successful organisations.
Forward-thinking leaders and business managers understand the impact that discipline has on organisational success. A disciplined workforce operates with clarity, focus, and a shared understanding of expectations, ultimately driving better results, optimising productivity, and facilitating seamless collaboration.
Although discipline is not a one-size-fits-all approach, it can help create a work environment that encourages personal growth and accountability rather than solely relying on punitive measures.
In this deck, you will learn the significance of workplace discipline for organisational success. You’ll also learn
• Four (4) workplace discipline methods you should consider
• The best and most practical approach to implementing workplace discipline.
• Three (3) key tips to maintain a disciplined workplace.
[Note: This is a partial preview. To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
Sustainability has become an increasingly critical topic as the world recognizes the need to protect our planet and its resources for future generations. Sustainability means meeting our current needs without compromising the ability of future generations to meet theirs. It involves long-term planning and consideration of the consequences of our actions. The goal is to create strategies that ensure the long-term viability of People, Planet, and Profit.
Leading companies such as Nike, Toyota, and Siemens are prioritizing sustainable innovation in their business models, setting an example for others to follow. In this Sustainability training presentation, you will learn key concepts, principles, and practices of sustainability applicable across industries. This training aims to create awareness and educate employees, senior executives, consultants, and other key stakeholders, including investors, policymakers, and supply chain partners, on the importance and implementation of sustainability.
LEARNING OBJECTIVES
1. Develop a comprehensive understanding of the fundamental principles and concepts that form the foundation of sustainability within corporate environments.
2. Explore the sustainability implementation model, focusing on effective measures and reporting strategies to track and communicate sustainability efforts.
3. Identify and define best practices and critical success factors essential for achieving sustainability goals within organizations.
CONTENTS
1. Introduction and Key Concepts of Sustainability
2. Principles and Practices of Sustainability
3. Measures and Reporting in Sustainability
4. Sustainability Implementation & Best Practices
To download the complete presentation, visit: https://www.oeconsulting.com.sg/training-presentations
10. Current State Existing 401(k) Balances May Be Inadequate Source: Average 401(k) balances for 20 million 401(k) participants, 12/312006. EBRI Issue Brief #308 Tenure in Years $190,593 $157,069 $93,636 $51,268 $31,914 60s $167,806 $174,272 $99,794 $54,491 $32,532 50s 30+ 20 - 30 10 - 20 5 - 10 2 - 5 Age Group
11. Current State Defined Benefit Plan Participation Has Fallen Dramatically in Private Sector % of workforce participation by plan type Source: Center for Retirement Research at Boston College
12. Retiree Medical Coverage Drops in Private Sector Source: The Kaiser Family Foundation, 2006 Employer Health Benefits % Employers offering coverage
13.
14.
15. Amount Respondents Say Needed for Comfortable Retirement source: EBRI 2008 Retirement Confidence Survey 18% $1 million or more 23% $500,000 - $999,999 16% $250,000 - $499,999 25% Under $250,000 12% Don’t know
16. Methods for Determining Savings Needed for Retirement source: EBRI 2008 Retirement Confidence Survey 4% Other 2% Desired lifestyle 4% Worksheet or form 7% Online calculator 9% Read or hear amount 19% Do own estimate 19% Ask advisor 43% Guess
Been writing and speaking 15 yrs. Lots of ee meetings, good and bad. Unbiased, trusted source of info. Not selling - cures for baldness. Full time mission now. Book 2005 Subtitle says it all. 400 pages, lots of detail.
2007 produced DVD. Boil down to simple strategies. Life turn out ok Visual very compelling and memorable. Booklet action steps. 12 experts. 13 people. Got it covered between books, DVDs, new series of email newsletters.
Topic of interest to audience in their role as leaders and examples Not narrowly defined fiduciary role to administer and operate benefit plans, which is also very important and is the subject of much of the conference. We face some serious challenges, and we want to speak clearly and plainly about these challenges. Focus on important key messages. Will talk about most of America - private sector, public sector, multiemployer. Realize that most in the audience represent multi or public plans, and will point out the differences. Also need to plans you represent into greater context of Soc Sec and what’s happening in other sectors, since your plan members may come from another sector or be married to someone there
Made this stmt before meltdown - even worse now First point IN SPITE OF fine efforts of audience, not BECAUSE they are doing inadequate job Praise for their efforts, particularly if sponsor DB and/or retiree medical plans This is predictable surprise. Show of hands - how many aren’t too surprised at mortgage meltdown, given practices from a few years ago?
Professional statement vs. This is stupid! And people were upset about $700 billion bailout, which was about $2,300 per citizen
Retirement plan of any type. Stats similar for 45-54 age group, lower for younger age groups And must stay in plan for a career to get meaningful benefits
Implications: liquid assets inadequate Need good choices for DB plans, if available. No lump sums! Tempted to use home equity to fund retirement - if still available! Stock prices and real estate values have eroded since 2004.
Balances have eroded significantly since 2006.
Of those participating in a plan Multi and public sector different, change not nearly as profound. Source from US Census Bureau Don’t confuse with % of employers sponsoring How many multis feeling pressure from employers to W/D from DB? How many governments feeling pressure from legislators?
Also add employees covered if time
%’s don’t add to 100 This was in survey If have pension, maybe they’re right. If no pension need at least $500,000 for traditional retirement. Half are wrong.
%’s don’t add to 100 This was in survey
Outliving assets polite way of saying : Broke not dead yet
We’re living longer
65 year-olds are much better to work today than 60 years ago
Causation vs correlation. Engagement in life, powerful reasons getting up morning. Poverty level. Questions traditional retirement
Patti’s slides follow
401k balance not there to spend in retirement! Generator of I
401k balance not there to spend in retirement! Generator of I
One spouse earns maximum all career, spouse gets spousal benefit
One spouse earns maximum all career, spouse gets spousal benefit
Power of delaying Type of analysis should do - gets in ballpark. Spreadsheets, online, advisors better. Rethink expenses - how bad want to retire? DB plan or work close gap.
One spouse earns maximum all career, spouse gets spousal benefit
One spouse earns maximum all career, spouse gets spousal benefit
One spouse earns maximum all career, spouse gets spousal benefit
Given recent events in financial markets, does it really make sense to rely just on financial resources and promises by others for a period of 20, 30 or even 40 years? Maybe some form of work, particularly in ‘early’ retirement years, is a good strategy.
May be more feasible for most Americans May be necessary given prior slide But do they jeopardize new goals in prior slide?
Audience show of hands - how many doing something about these issues?
Audience show of hands - how many doing this?
Note success of other public education efforts - drunk driving, smoking If feasible, have discussion on what has worked for audience.
Emphasize fine line between providing information and advice
Productivity issue. Primarily issue of expectations. Grumpy old men and women if expectations not met. It’s the right thing to do for your employees. Given recent events in financial markets, does it really make sense to rely just on financial resources and promises by others for a period of 20, 30 or even 40 years? Maybe some form of work, particularly in ‘early’ retirement years, is a good strategy.
Fine line between advice and education - go to the line. Good time to be aging. Need to share info. BS detectors up. Want to hear vs need to hear. If can’t retire, fix work so that can continue working and live fulfilled life.
Learn more! Email Newsletter OK to take time learning projection systems Speaking of being student, quiz and newsletter in package. Books and DVDs for sale. Q&A if time - LTC