Avoiding the Retirement Bust
A recent Gallup poll indicates that nearly 75 percent of 30-to-49 year olds worry about not having enough money to live a comfortable retirement. In addition, 60 percent of those polled say they don't earn enough money to save for retirement. What do these recent polls suggest about many of the baby boomers' financial concerns? Fortunately, for those individuals who are inclined to take charge of their own destinies, several types of tax-deferred retirement savings exist. The government introduces these various retirement savings options to meet the specific needs of three distinct groups of income earners: the self-employed, employees of businesses offering retirement savings incentive plans and just about anyone else who has earned income and is interested in saving for the future.
The first type of option is known as either a Keogh or a Simplified Employee Pension (SEP) plan. These retirement savings plans were created for individuals who either have self-employment income or are partners in their own business. In bo...
Ms. Hall has had many years of public education experience and higher education training in which to hone her leadership style and framework. She started her career as a teacher in the Kirkwood School District. She then served as an assistant elementary principal at both Ritenour and Pattonville School Districts before being selected to serve as the assistant superintendent of the Maplewood Richmond Heights School District in 2008. Throughout her career she continued to pursue her education as a means o...
You have received a variety of key features documents to help you decide which pension product to have. If you have any queries regarding the key features documents, or anything about this suitability report then please do not hesitate to contact us. This document should be kept with your client agreement, and these documents were given to you at your last meeting.
The push for Congress to pass legislation protecting the rights of employees and their retirement was inevitable. Retirement plans are extremely important for all working individuals. Having funds to keep or exceed ones current standard of living and to enjoy one’s life beyond expectations after retire...
Leading organizations of school administrators offer educators various opportunities to encourage educators to become leaders. No Child Left Behind Act of 2001 (NCLB) has mandated that leaders be better prepared for the task of providing quality education to all. NCLB “… is forcing all educational stakeholders to face the weakness of contemporary school leadership and is making it impossible to ignore the need for higher quality principals” (Hale & Moorman, 2003, p.1). It is believed that all educators can be and are leaders in their own right. A leader is a visionary and has the ability to inspire others to aspire to greatness. Of the numerous opportunities that are offered, those that are most beneficial include but are not limited to leadership training programs, professional development, and creating shared leadership opportunities for teachers to become leaders. The systems “…that produce our nation’s principals are complex and interrelated – and governed by the states. Each state establishes licensing, certification and re-certification” (Hale & Moorman, 2003, p.1). States use the ISLLC standards “…as the framework for preparation programs and in service professional development of school superintendents, principals, and other leaders” (Hale & Moorman, 2003, p.3).
The overall collapse of the Communist regime came rather quickly, but there were underlying causes of the collapse that were apparent during the preceding decades. On the surface, the 1970s looked good for the Soviet Union. A lot of certain aspects were still going the Soviet Unions way. However, in 1975, the Soviet Union’s power peaked. In 1975, the Soviet Union’s power began to dwindle and there were six underlying causes of the collapse that can be dated back to that year. In this essay I will discuss these six causes and how they helped bring about the actual collapse of the Soviet regime.
Investment opportunities with pension plan members to offer them additional services (cross-over), as well as to reinvest their pension plan earnings after they retire (roll-over);
Gorbachev's attempt at democratising the totalitarian Soviet system backfired on him as the Soviet republics began to revolt against Moscow's control. This was not a case of economic and political crisis producing liberalisation and democratisation. Rather, it was liberalisation and democratisation that brought the regime to crisis point.
Through the years, people age and become less productive. For these reasons, they have to prepare some plans that help them secure their own future. But, there are instances that lead an individual to an early retirement. Some lack motivation and enthusiasm in their work. Others are not capable of working anymore as well because of the health issues that they are facing. Regardless of the reason, it is important that one has to work so that by the time they retire, they will not end up broke. Having this in mind, many people are already investing in a simple IRA.
To complicate matters even more, there was no evidence in Guyana of a right-wing force capable of countering the left. The major right -wing party, the United Force, which was at its height in the early 1960s, was not nearly as active as it w...
"The Fall of the Soviet Union." Gale Encyclopedia of U.S. History: War. Detroit: Gale, 2009. Student Resources in Context. Web. 6 Apr. 2014.
The cold war was failed by the Soviet Union for many reasons, including the sudden collapse of communism (Baylis & Smith, 2001.) This sudden collapse of communism was brought on ultimately by internal factors. The soviet unions president Gorbachev’s reforms: glasnost (openness) and perestroika (political reconstructering) ultimately caused the collapse of the Soviet Empire. Gorbachev’s basics for glasnost were the promotion of principles of freedom to criticize; the loosening of controls on media and publishing; and the freedom of worship. His essentials of perestroika were, a new legislature; creation of an executive presidency; ending of the ‘leading role’ of the communist party; allowing state enterprises to sell part of their product on the open market; lastly, allowing foreign companies to own Soviet enterprises (Baylis & Smith, 2001.) Gorbachev believed his reforms would benefit his country, but the Soviet Union was ultimately held together by the soviet tradition he was trying to change. The Soviet Union was none the less held together by “…powerful central institutions, pressure for ideological conformity, and the threat of force.
One regular factor in most of the effective schools research is an emphasis on strong, instructional leadership (Edmonds, 1979ab, 1982; Purkey & Smith, 1983; Weber, 1971; Brookover& Lezotte, 1979). Leadership theories, such as trait, behavior, contingency, and charismatic, provide a theoretical framework for viewing the total development of instructional leadership. Instructional leadership has many different definitions and models that intellectualize it starting from the early 1900’s. The current study synthesizes the many meanings and models of instructional leadership using theoretical and empirical contemplations. The instructional leadership construct is defined in terms of principal behaviors that lead a school to educate all students to higher student achievement.
Rolfe, Gary; Freshwater, Dawn; Jasper, Melanie (2001). Critical reflection for nursing and the helping professions: a user's guide. Houndmills, Basingstoke, Hampshire; New York: Palgrave. pp. 26–35
Masters, K. (2012). Chapter 2: Framework for Professional Nursing. Nursing Theories: A Framework for Professional Practice (56, 57). Sudbury, MA: Jones & Bartlett Learning.
With increasing life expectancy and a contracting retirement income system households face an immense challenge in ensuring a secure retirement. Working longer is often viewed as a safe bet way to increase retirement incomes (Munnell and Sass, 2008). Moreover, new patterns of retirement have started to emerge such as; gradual retirement, phased retirement, and unretirement (Choi, Goode, and Tang, 2012). These fruitions create more friction for baby boomers entering retirement, a friction that causes firms to become resistant when creating new jobs. For example, it is far more cost efficient for a firm to reduce the work of an older employee (think gradual retirement) without training and bringing in a new worker to replace the older worker’s role (Filipczak, Raines, and Zernke,