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The Coming Generational Storm

Author: Laurence J. Kotlikoff
Publisher: MIT Press
ISBN: 9780262612081
Size: 69.71 MB
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Guides the reader through America's generational imbalance and proposes policies to avoid the demographic overload and fiscal crisis that America will be faced with in the future as a result of this imbalance.

The Coming Generational Storm

Author: Laurence J. Kotlikoff
Publisher: MIT Press
ISBN: 0262250152
Size: 21.40 MB
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In 2030, as 77 million baby boomers hobble into old age, walkers will outnumber strollers; there will be twice as many retirees as there are today but only 18 percent more workers. How will America handle this demographic overload? How will Social Security and Medicare function with fewer working taxpayers to support these programs? According to Laurence Kotlikoff and Scott Burns, if our government continues on the course it has set, we'll see skyrocketing tax rates, drastically lower retirement and health benefits, high inflation, a rapidly depreciating dollar, unemployment, and political instability. The government has lost its compass, say Kotlikoff and Burns, and the current administration is heading straight into the coming generational storm.But don't panic. To solve a problem you must first understand it. Kotlikoff and Burns take us on a guided tour of our generational imbalance, first introducing us to the baby boomers -- their long retirement years and "the protracted delay in their departure to the next world." Then there's the "fiscal child abuse" that will double the taxes paid by the next generation. There's also the "deficit delusion" of the under-reported national debt. And none of this, they say, will be solved by any of the popularly touted remedies: cutting taxes, technological progress, immigration, foreign investment, or the elimination of wasteful government spending.So how can the United States avoid this demographic/fiscal collision? Kotlikoff and Burns propose bold new policies, including meaningful reforms of Social Security, and Medicare. Their proposals are simple, straightforward, and geared to attract support from both political parties. But just in case politicians won't take the political risk to chart a new direction, Kotlikoff and Burns also offer a "life jacket" -- guidelines for individuals to protect their financial health and retirement.This paperback edition of The Coming Generational Storm has been revised and updated and includes a new foreword by the authors.

The Coming Generational Storm

Author: Laurence J. Kotlikoff
Publisher: Mit Press
ISBN: 9780262112864
Size: 80.48 MB
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Guides the reader through America's generational imbalance and proposes policies to avoid the demographic overload and fiscal crisis that America will be faced with in the future as a result of this imbalance.

The Clash Of Generations

Author: Laurence J. Kotlikoff
Publisher: MIT Press
ISBN: 0262300796
Size: 54.26 MB
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The United States is bankrupt, flat broke. Thanks to accounting that would make Enron blush, America's insolvency goes far beyond what our leaders are disclosing. The United States is a fiscal basket case, in worse shape than the notoriously bailed-out countries of Greece, Ireland, and others. How did this happen? InThe Clash of Generations, experts Laurence Kotlikoff and Scott Burns document our six-decade, off-balance-sheet, unsustainable financing scheme. They explain how we have balanced our longer lives on the backs of our (relatively few) children. At the same time, we've been on a consumption spree, saving and investing less than nothing. And that's not to mention the evisceration of the middle class and a financial system that has proven it can't be trusted. Kotlikoff and Burns outline grassroots strategies for saving ourselves -- and especially our children -- from what could be a truly catastrophic financial collapse. Kotlikoff and Burns sounded the alarm in their widely acclaimedThe Coming Generational Storm, but politicians didn't listen. Now the need for action is even more urgent. It's up to us to demand radical reform of our tax system, our healthcare system, and our Social Security system, and to insist on better paths to investment return than those provided by Wall Street (mis)managers. Kotlikoff and Burns's "Purple Plans" (so called because they will appeal to both Republicans and Democrats) have been endorsed by a who's who of economists and offer a new way forward; and their revolutionary investment strategy for individuals replaces the idea of financial capital with "life decision capital." Of course, we won't be doing all this just for ourselves. We need to fix America's fiscal mess before our kids inherit it.https://www.youtube.com/watch?v=IMKw76lBn0k&feature=youtube_gdata_player

Jimmy Stewart Is Dead

Author: Laurence J. Kotlikoff
Publisher: John Wiley & Sons
ISBN: 9780470609019
Size: 37.79 MB
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Discover how the global financial plague is poised to return, and what can be done to stop it This is not your father's financial system. Jimmy Stewart, the trustworthy, honest banker in the movie, It's a Wonderful Life, is dead. And so is his small-town bank, Bailey Savings & Loan. Instead, we're watching It's a Horrible Mess with Wall Street (aka the Vegas Strip) playing ever larger craps with our economy and our tax dollars. This book, written by one of the world's most respected economist, describes in lively, humorous, simple, but also deadly serious terms the big con underlying the big game?the web of interconnected financial, political, and regulatory malfeasance that culminated in financial meltdown and brought us to our economic knees. But it also proposes an amazingly simply solution?Limited Purpose Banking to make Wall Street safe for Main Street. This book, as well as the financial fix described within it, have received rave reviews from a veritable who's who of policymakers and economics, plus five economics Nobel Laureates Written by a leading economist whose insights on this topic are unparalleled Outlines the first and only proposal to fundamentally fix our financial disaster for good Jimmy Stewart Is Dead will fundamentally change the way you think about the economy, financial markets, and the government.

Financial Armageddon

Author: Michael J. Panzner
Publisher: Michael J. Panzner
ISBN: 141959608X
Size: 60.44 MB
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'Financial Armageddon' describes the four key financial elements - debt, derivatives, government guarantees, and retirement - and how they are unraveling. The text describes the impact they will have on our families, finances, investments, and economic wellbeing.

The Healthcare Fix

Author: Kotlikoff
Publisher: MIT Press
ISBN: 0262263459
Size: 10.57 MB
Format: PDF
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The shocking statistic is that forty-seven million Americans have no health insurance. When uninsured Americans go to the emergency room for treatment, however, they do receive care, and a bill. Many hospitals now require uninsured patients to put their treatment on a credit card which can saddle a low-income household with unpayably high balances that can lead to personal bankruptcy. Why don't these people just buy health insurance? Because the cost of coverage that doesn't come through an employer is more than many low- and middle-income households make in a year. Meanwhile, rising healthcare costs for employees are driving many businesses under. As for government-supplied health care, ever higher costs and added benefits (for example, Part D, Medicare's new prescription drug coverage) make both Medicare and Medicaid impossible to sustain fiscally; benefits grow faster than the national per-capita income. It's obvious the system is broken. What can we do?In The Healthcare Fix, economist Laurence Kotlikoff proposes a simple, straightforward approach to the problem that would create one system that works for everyone and secure America's fiscal and economic future. Kotlikoff's proposed Medical Security System is not the "socialized medicine" so feared by Republicans and libertarians; it's a plan for universal health insurance. Because everyone would be insured, it's also a plan for universal healthcare. Participants -- including all who are currently uninsured, all Medicaid and Medicare recipients, and all with private or employer-supplied insurance -- would receive annual vouchers for health insurance, the amount of which would be based on their current medical condition. Insurance companies would willingly accept people with health problems because their vouchers would be higher. And the government could control costs by establishing the values of the vouchers so that benefit growth no longer outstrips growth of the nation's per capita income. It's a "single-payer" plan, but a single payer for insurance. The American healthcare industry would remain competitive, innovative, strong, and private.Kotlikoff's plan is strong medicine for America's healthcare crisis, but brilliant in its simplicity. Its provisions can fit on a postcard and Kotlikoff provides one, ready to be copied and mailed to your representative in Congress.

Aging Nation

Author: James H. Schulz
Publisher: JHU Press
ISBN: 0801888646
Size: 50.17 MB
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With the impending retirement of some 76 million baby boomers in a period of huge government deficits, public anxiety about the social and economic health of an aging nation is widespread. The policy debates are contentious—from deciding who should receive limited subsidized housing and medical services to the ongoing battle over "saving" Social Security and other entitlement programs. Some policy makers and pundits forecast disaster: elderly people will be put out to pasture with inadequate health care and financial resources, and a crumbling social welfare infrastructure will implode under the strain of intergenerational conflict. In Aging Nation, renowned experts James H. Schulz and Robert H. Binstock agree that there is considerable cause for concern but insist that a demographic tsunami is not inevitable. Drawing from the most current data, the authors provide an in-depth analysis of the nation's evolving private and public policies on retirement, faltering employer pensions, health care, workplace conditions, and entitlement programs. They consider such timely issues as poverty among older people, rejoining the workforce after retirement, Social Security and health care reform, as well as the rise of elderly people as a powerful political force. Dispelling popular myths and misconceptions perpetrated by politicians and pundits, Schulz and Binstock consider the economic, political, and social challenges arising from the aging U.S. population, and present a balanced—and reassuring—assessment of the future.

Aging

Author: Harry R. Moody
Publisher: Pine Forge Press
ISBN: 1412969662
Size: 67.73 MB
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The sixth edition of this student friendy textbook provides both a thorough explanation of the issues, as well as current research and controversies, exploring health care, socioeconomic trends, and the life course. This thoroughly revised new edition contains nine new readings, over 35 new photographs and an instructor'sresource CD.

American Mania When More Is Not Enough

Author: Peter C. Whybrow
Publisher: W. W. Norton & Company
ISBN: 0393348199
Size: 43.80 MB
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A doctor's bold analysis of the cultural disease that afflicts us all. Despite an astonishing appetite for life, more and more Americans are feeling overworked and dissatisfied. In the world's most affluent nation, epidemic rates of stress, anxiety, depression, obesity, and time urgency are now grudgingly accepted as part of everyday existence they signal the American Dream gone awry. Peter C. Whybrow, director of the Neuropsychiatric Institute at UCLA, grounds the extraordinary achievements and excessive consumption of the American nation in an understanding of the biology of the brain's reward system offering for the first time a comprehensive and physical explanation for the addictive mania of consumerism. American Mania presents a clear and novel vantage point from which to understand the most pressing social issues of our time, while offering an informed approach to refocusing our pursuit of happiness. Drawing upon rich scientific case studies and colorful portraits, "this fascinating and important book will change the way you think about American life" (Karen Olson, Utne Reader).