Nearly all countries in the world are experiencing an aging of their populations due to declining fertility rates and rising longevity. Aging has been the subject of much discussion in the last decade, often expressed in alarmist language. On Global Aging presents a more optimistic look on the effects of aging on the economy. Nonetheless aging will pose major policy challenges on the well functioning of the economy and the society as a whole.
The book describes and analyses the effects of population aging on social and economic issues, labour and financial markets, pension and health care expenditures and public finance, and the welfare of people. It surveys also the policy measures in the face of aging to secure the resource base. They are mainly aimed at increasing labour force participation and above all at stimulating productivity growth. The book is a valuable resource for practitioners and policy makers and the wider academic community, economists, social scientists, gerontologists and others.

Colleges and universities across the country face huge challenges as their faculties age, their budgets stagnate, and mandatory retirement becomes a thing of the past. In "To Retire or Not?" the nation's foremost authorities on retirement policy and practice provide a critical assessment of academic labor markets and retirement patterns, explaining how to adjust pension and other incentive programs to ensure proper replenishment of intellectual and human capital. Case studies vividly illustrate how to predict the need for special retirement programs, how to structure voluntary early-out benefit plans, and how age-based retirement incentives work in practice. Recent legal decisions are assessed and critiqued.A recent amendment to the U.S. Age Discrimination in Employment Act ended mandatory retirement for tenured faculty at colleges and universities across the country. This law let individual faculty members enjoy an economic benefit enjoyed by almost all other American workers: they could choose to continue working past age 70 or "sell" the benefit back to their universities in exchange for earlier retirement. At the same time, however, educational administrators were faced with a faculty bulge created by the expansion of the professorate in the 1960s and early '70s, and the so-called "surplus army" of Ph.D.s of the 1980s. Colleges and universities everywhere are now faced with the higher costs of retaining senior professors instead of hiring entry-level replacements at lower salaries.

Just about everyone over the age of 40 worries about how their retirement years will turn out. A secure retirement is seen as the culmination of a life well lived. To retire wealthy and live a dream life free of hard work is the ultimate desire of almost everyone. However, the reality is that not many people have the resources to enjoy a perfect retirement. There are many pitfalls in day-to-day life that prevent this, and although some of these are unexpected and unfair, generally speaking most of them can be prevented or planned for. This book will provide some practical guidelines in easily accessible language on how to retire financially secure. From savings to investments and pension plans to provident funds, this guide will set out exactly what you need to live life to the full, right to the end, with more than enough provisions.

Personal wealth isn't the only purpose of hard work and investment; it's also important to be able to pass wealth on to one's children and grandchildren. Wealth transfer and distribution is a game, and if played poorly-or if it is not realized a game is being played-one's fortune can be eaten away by a combination of poor investments and unfair taxation. Written by a financial advisor with decades of experience, Playing the Game prepares people for the game of Wealth Transfer and Distribution, enabling them to pass on their fortune intact so that future generations may enjoy it.

You Got This is a simple playbook for achieving successful retirement. There are 10,000 people retiring every day. Many of them are not prepared to shoulder the financial reality of what it takes to live comfortably in retirement. They do not have a plan, nor do they know what steps to take to build a plan. Retirement planning in today's volatile world is completely different than past generations and people need practical insights to navigate the right path to achieve their retirement goals. Scott and Jill Carter use their personal stories and expertise to encourage those approaching retirement and help both individuals and working couples get started on a step-by-step plan to achieve financial freedom. It answers the most important questions: how much retirement costs and how to pay for it. Take the fear out of retirement and achieve the secure, comfortable retirement lifestyle you deserve!

How can you make the most of retirement? How should you plan for retirement? What are the challenges of retirement and how can they be dealt with? The Psychology of Retirement looks at this life stage as a journey that involves challenges, opportunities, setbacks, periods of disenchantment and, often, exciting new beginnings. Taking a positive approach, the book explores how retirement provides opportunities to cultivate new friendships, interests and hobbies, consolidate and renegotiate long-held ones, and even re-invent oneself in a post-work environment. It also emphasizes the value of pre-retirement planning, and the importance of establishing new goals and purposes. Retirement can be a period of significant psychological growth and development and The Psychology of Retirement shows how it can herald the beginning of a vibrant and active stage of life.

Your Insiders' Guide to Retirement sheds surprising light on the necessary financial planning for a secure retirement. Are you ready to retire, but are afraid of running out of money? Do you know who to trust? People imagine retirement as learning new things, challenging themselves, giving back as a mentor, spending their days with family and friends, or filling them with exciting adventures. The vision is the beginning but getting to that destination requires more steps than people realize. Your Insiders' Guide to Retirement serves as a mentor for retirees and as a guide who has been down this path countless times with a proven system in place. With a combined 75 years of experience in financial services, Troy Daum, RJ Gordon Tudor, and Jeff Poole explore why people are fed up with the scandals of Wall Street, Brokerages, and insurance companies. They introduce readers to an exciting new profession where companies act as a fiduciary. They present a paradigm shift in the financial services space and emphasize the importance of why retirees must understand and have a financial plan-and how they, too, can follow the path to an amazing retirement journey.

The internationally renowned financial educator Hall shares his expertise and no-nonsense approach to facing the financial future
When it comes to retirement, many find it easy to stick their heads in the sand thinking they are too young, too busy, and too cash-strapped to worry about the future. Another obstacle is the common feeling of discouragement from all the bad news about pensions. But as this book explains, even the recession is no excuse to stop planning ahead. For those who wonder where to start and who to trust, this step-by-step guide to pensions and building financial security separates the myths from the realities, and shows how a little planning and action today will result in empowerment tomorrow. From the very first step of visualizing retirement, readers will learn how to create a sound and flexible investment plan that allows them to make the most of their money--whatever their circumstances.

Rock Retirement offers inspirational advice on how to enjoy the journey to retirement to its fullest. Traditional retirement advice usually boils down to saving more, sacrificing more, and settling for less. This approach makes people dependent on systems outside their control, such as the market, economy, and investment returns. The result: people lose power over determining their life. What sets Rock Retirement apart is its holistic approach to helping people take back control and act intentionally towards the life they want. It addresses the fears, hopes, and dreams that people have about retirement, goes way beyond the numbers, and shows them how to balance living well today and tomorrow.

The Transition to Retirement (TTR) program aims to help older people with long-term disability gradually build an active and socially inclusive retirement lifestyle through volunteering and participating in mainstream community groups. Members of these groups are trained to act as mentors and provide support. The three-year TTR research project and subsequent years of TTR service delivery have shown that this approach is feasible and has enduring positive outcomes for people with disability, mentors and community groups.The TTR manual and video material aim to make these benefits available more widely. They provide implementation details for all components of the TTR program, as well as practical tips and accounts of individual participant's experiences. DVD stories and video clips illustrate key issues. Planning forms are also included, together with an explanation of the process of teaching a person with long-term disability to use public transport independently. The TTR program is consistent with Australia's National Disability Insurance Scheme (NDIS) which focuses on building community participation and independence, and with the National Disability Strategy's emphasis on promoting social inclusion in community settings.

Retirement planning is difficult enough without having to contend with misinformation. Unfortunately, much of the advice that is dispensed is either unsubstantiated or betrays a strong vested interest. In The Essential Retirement Guide, Frederick Vettese analyses the most fundamental questions of retirement planning and offers some startling insights. The book finds, for example that: * Saving 10 percent a year is not a bad rule of thumb if you could follow it, but there will be times when you cannot do so and it might not even be advisable to try. * Most people never spend more than 50 percent of their gross income on themselves before retirement; hence their retirement income target is usually much less than 70 percent. * Interest rates will almost certainly stay low for the next 20 years, which will affect how much you need to save. * Even in this low-interest environment, you can withdraw 5 percent or more of your retirement savings each year in retirement without running out of money. * Your spending in retirement will almost certainly decline at a certain age so you may not need to save quite as much as you think. * As people reach the later stages of retirement, they become less capable of managing their finances, even though they grow more confident of their ability to do so! Plan for this before it is too late. * Annuities have become very expensive, but they still make sense for a host of reasons. In addition, The Essential Retirement Guide shows how you can estimate your own lifespan and helps you to understand the financial implications of long-term care. Most importantly, it reveals how you can calculate your personal wealth target - the amount of money you will need by the time you retire to live comfortably. The author uses his actuarial expertise to substantiate his findings but does so in a jargon-free way.

'Dr Anna Dixon has written a must-read for anyone interested in the future of ageing. Learn from one of the best informed about an issue, and opportunity, that is facing us all.' Andy Briggs, Head of FTSE 100 life insurer Phoenix Group 'A very important book' Sir Muir Gray The Age of Ageing Better? takes a radically different view of what our ageing society means. Dr Anna Dixon turns the misleading and depressing narrative of burden and massive extra cost of people living longer on its head and shows how our society could thrive if we started thinking differently. This book shines a spotlight on how as a society we're currently failing to respond to the shifting age profile - and what needs to change. Examining key areas of society including health, financial security, where and how people live, and social connections, Anna Dixon presents a refreshingly optimistic vision for the future that could change the way we value later life in every sense.

From two leaders of the FIRE (Financial Independence, Retire Early) movement, a bold, contrarian guide to retiring at any age, with a reproducible formula to financial independence. A bull***t-free guide to growing your wealth, retiring early, and living life on your own terms. Kristy Shen retired with a million dollars at the age of thirty-one, and she did it without hitting a home run on the stock market, starting the next Snapchat in her garage, or investing in hot real estate. Learn how to cut down on spending without decreasing your quality of life, build a million-dollar portfolio, fortify your investments to survive bear markets and black-swan events, and use the 4 percent rule and the Yield Shield - so you can quit the rat race forever. Not everyone can become an entrepreneur or a real estate baron; the rest of us need Shen's mathematically proven approach to retire decades before sixty-five.

Choices for Later Life provides readers with a much-needed practical, workable and realistic approach to the life choices and new opportunities that face us when we reach our fifties and beyond. Everyone is different - our circumstances, our family, our needs, our dreams, our dilemmas. What is common to most of us is that there comes a time when we want to make changes to our lives and grasp new opportunities or have to make adjustments and face new challenges. Marie Lacheze writes for all men and women over a certain age. Marie Lacheze has talked to hundreds of people and has found that there is no easy definitive answer to these most pressing questions. She sets out the concerns she has heard expressed most often and offers up ideas and insights to trigger a debate and help you arrive at the right answer for you. She provides case histories, checklists and possible options and suggests the steps you might take to make the best choices and decisions for you.

Happily Ever After doesn't have to be just a fairytale anymore
This book was written with the current retiree in mind. It is one of the first books to recognize that once you get that last paycheck from your employer (the last paycheck for the rest of your life), you need to start seeing your money differently.
One of the biggest fears of most retirees or those preparing for retirement is that they may run out of money before they die. That fear can be greatly reduced by following the simple, easy to implement strategies and plan that Jim Black shares in this book.
As a retiree, you have spent 40 years or more saving and accumulating assets for retirement. Yet a single down year in the stock market can change your retirement forever. Most retirees think that they need to choose between growth and income, or risk and return, but Jim Black will show you that those options are not mutually exclusive.
Using real life examples and humor, Black has created a process that helps retirees overcome their basic fears. He has done this in a manner that anyone, regardless of their financially sophistication, should be able to implement for themselves.
By reading this book and implementing the strategies, you will greatly increase your chances of retiring on your terms, and living Happily Ever After.

It takes more than money to be able to "Do What You Want, When You Want, Where You Want." Brian Fricke (Certified Financial Planner) gives you simple and easy to understand terms with real-life examples. Yes, names and circumstances have been changed to protect client confidentiality. Full of practical proven and street tested strategies. Now, with WORRY FREE RETIREMENT, Fricke one of Americas Top Wealth Managers shares with you the same advice and strategies he gives to his clients. Written in simple and easy to understand plain English. He reveals stuff like: The single biggest Money Mistake couples make. Should you pay off your mortgage? My $10,000 challenge. Don't be an ATM to your kids or grandkids. Tax strategies you must know about. Your biggest risk if you retire before age 65. Do you really need life insurance at retirement? Silly, stupid mistakes I've seen people make and Much more!

Believe it or not, you can gain peace of mind about your financial resources for retirement.

Map your route to financial security with "Navigate Your Way To a Secure Retirement "as your guidebook.

Noted financial advisor Isaac Wright shares valuable insights and resources that will help you prepare and protect your assets so you cn enjoy retirement.

Worried about Wall Street? Feeling stressed about tax rates and where they're headed? Anxious about cracking your nest egg, or outliving your money? You're right to be concerned--the three legged stool of Social Security, pensions, and personal savings that our parents depended on is broken beyond repair.
But don't panic; it's not too late to take control of your money, and your retirement, so you can enjoy the golden years you've worked so long and hard to get to. Wealth management expert and retirement and income planning specialist Phillis Sax Pilvinis tells you how, in this comprehensive, straight-talking guide to guarding and growing your retirement funds, even in this challenging climate. You'll learn about...
- The three phases of money, and how to plan for each.
- Why the "one size fits all" approach to retirement planning, doesn't.
- What Wall Street doesn't want you to know.
- How to safeguard your money in the event of a catastrophic illness.
- How to choose the right financial advisor - and how to spot the wrong one.
Don't fail to plan; that's just planning to fail. You can't control a lot of things--the Stock Markets, the tax rates, rising costs of health care--but what you CAN control can make all the difference to how you live the rest of your life. Let's get started and create your calm amidst the storm