The Future of Retirement
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Actuary Steve Vernon, retirement expert, Fellow of the Society of Actuaries and president of Rest-of-Life Communications, provides his recommendations regarding the current state of retirement and what individuals, employers and plan sponsors should do to prepare for retirement. For more information, visit www.restoflife.com
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The document discusses 5 key risks to retirement planning: longevity risk, health care costs, changes to public policy like Social Security, inflation risk, and investment risk. It notes that people are living longer so savings may need to last 30 years or more in retirement. Health care costs like Medicare premiums and out-of-pocket expenses are significant. Public policy around programs like Social Security could change. Inflation erodes purchasing power over time. Market volatility from investing introduces risk to retirement savings. Proper planning and working with a financial professional can help mitigate these risks and create a retirement income plan.
AGLA Plan For Life
The document summarizes an insurance plan called A Plan for Life from American General Life and Accident Insurance Company. It discusses the importance of planning for future financial security and having insurance to protect against dying too soon, living too long, and ensuring needs are met at death. Specific needs are outlined like final expenses, mortgage, rent, education costs, and more. Steps to developing a financial plan are provided.
Seniorleads (senior leads) retire smart
This document provides a guide to avoiding common mistakes in retirement financial planning. It discusses underestimating life expectancy, relying on being able to work longer than planned, neglecting healthcare costs, accepting low investment returns, failing to monitor withdrawal rates, and not getting a second opinion on your financial plan. It then provides more details on generating retirement income, sources of guaranteed retirement income, protecting assets with various types of insurance, other retirement considerations like housing and healthcare, and the basics of estate planning.
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Independent Study - College of Wooster Research (2023-2024)
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
5 Tips for Creating Standard Financial Reports
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留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
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8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
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Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.How Non-Banking Financial Companies Empower Startups With Venture Debt Financing
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The Future of Retirement
- 1. The Future of Retirement Houston Forum January 27, 2009 by Steve Vernon, FSA President, Rest-of-Life Communications
- 4. The Future of Retirement… is Work!
- 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
- 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
- 19. Life Expectancy at Age 65 Source: Society of Actuaries
- 20. Workforce Participation Men Age 65+ Source: Bureau of Labor Statistics
- 43. Will these be your employees and plan participants in 10 years?
- 46. The Future of Retirement Q&A