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Author: James W. Russell Publisher: Beacon Press ISBN: 0807012564 Category : Business & Economics Languages : en Pages : 225
Book Description
How 401(k)s have gutted retirement security, from charging exorbitant hidden fees to failing to replace the income of traditional pensions Named one of PW's Top 10 for Business & Economics A retirement crisis is looming. In 2008, as the 401(k) fallout rippled across the country, horrified holders watched 25 percent of their funds evaporate overnight. Average 401(k) balances for those approaching retirement are too small to generate more than $4,000 in annual retirement income, and experts predict that nearly half of middle-class workers will be poor or near poor in retirement. But long before the recession, signs were mounting that few people would ever be able to accumulate enough wealth on their own to ensure financial security later in life. This hasn’t always been the case. Each generation of workers since the nineteenth century has had more retirement security than the previous generation. That is, until 1981, when shaky 401(k) plans began replacing traditional pensions. For the last thirty years, we’ve been advised that the best way to build one’s nest egg is to heavily invest in 401(k)-type programs, even though such plans were originally designed to be a supplement to rather than the basis for retirement. This financial experiment, promoted by neoliberals and aggressively peddled by Wall Street, has now come full circle, with tens of millions of Americans discovering that they would have been better off under traditional pension plans long since replaced. As James W. Russell explains, this do-it-yourself retirement system—in which individuals with modest incomes are expected to invest large sums of capital in order to reap the same rewards as high-end money managers—isn’t working. Social Insecurity tells the story of a massive and international retirement robbery—a substantial transfer of wealth from everyday workers to Wall Street financiers via tremendously costly hidden fees. Russell traces what amounts to a perfect swindle, from its ideological origins at Milton Friedman’s infamous Chicago School to its implementation in Chile under Pinochet’s dictatorship and its adoption in America through Reaganomics. Enraging yet hopeful, Russell offers concrete ideas on how individuals and society can arrest this downward spiral.
Author: James W. Russell Publisher: Beacon Press ISBN: 0807012564 Category : Business & Economics Languages : en Pages : 225
Book Description
How 401(k)s have gutted retirement security, from charging exorbitant hidden fees to failing to replace the income of traditional pensions Named one of PW's Top 10 for Business & Economics A retirement crisis is looming. In 2008, as the 401(k) fallout rippled across the country, horrified holders watched 25 percent of their funds evaporate overnight. Average 401(k) balances for those approaching retirement are too small to generate more than $4,000 in annual retirement income, and experts predict that nearly half of middle-class workers will be poor or near poor in retirement. But long before the recession, signs were mounting that few people would ever be able to accumulate enough wealth on their own to ensure financial security later in life. This hasn’t always been the case. Each generation of workers since the nineteenth century has had more retirement security than the previous generation. That is, until 1981, when shaky 401(k) plans began replacing traditional pensions. For the last thirty years, we’ve been advised that the best way to build one’s nest egg is to heavily invest in 401(k)-type programs, even though such plans were originally designed to be a supplement to rather than the basis for retirement. This financial experiment, promoted by neoliberals and aggressively peddled by Wall Street, has now come full circle, with tens of millions of Americans discovering that they would have been better off under traditional pension plans long since replaced. As James W. Russell explains, this do-it-yourself retirement system—in which individuals with modest incomes are expected to invest large sums of capital in order to reap the same rewards as high-end money managers—isn’t working. Social Insecurity tells the story of a massive and international retirement robbery—a substantial transfer of wealth from everyday workers to Wall Street financiers via tremendously costly hidden fees. Russell traces what amounts to a perfect swindle, from its ideological origins at Milton Friedman’s infamous Chicago School to its implementation in Chile under Pinochet’s dictatorship and its adoption in America through Reaganomics. Enraging yet hopeful, Russell offers concrete ideas on how individuals and society can arrest this downward spiral.
Author: Khayaat Fakier Publisher: Routledge ISBN: 1317701593 Category : Business & Economics Languages : en Pages : 281
Book Description
Taking a unique comparative approach to the respective development paths of India, Brazil and South Africa (IBSA), this book shows that people and governments in all three countries are faced with similar challenges of heightened insecurity, caused by liberalization and structural adjustment. The ways in which governments, as well as individuals and worker organisations in IBSA have responded to these challenges are at the core of this book. The book explores the nature of insecurity in the Global South; the nature of the responses to this insecurity on public and small-scale collective as well as individual level; the potential of these responses to be more than neo-liberal mechanisms to govern and contain the poor and lessons to be learnt from these three countries. The first section covers livelihood strategies in urban and rural areas as individual and small-scale collective response to the condition of insecurity. Insecurity in the countries of the South is characterised by a high degree of uncertainty of the availability of income opportunities. The second section looks at state responses to insecurity and contributions on social protection measures taken by the respective IBSA governments. The third section discusses whether alternative development paths can be identified. The aim is to move beyond ‘denunciatory analysis.’ Livelihood strategies as well as public policies in some of the cases allow for the building of new spaces for agency and contestation of a neo-liberal mainstream which provide emerging and experimental examples. The book develops new thinking on Northern welfare states and their declining trade unions. It argues that these concepts, knowledge and policy innovations are now travelling in three directions, from North to South, from South to North, and between Southern countries. This book provides unique insights for researchers and postgraduate students in development studies, social policy and industrial sociology.
Author: Guy Standing Publisher: Routledge ISBN: 1136198407 Category : Social Science Languages : en Pages : 256
Book Description
Economic liberalisation associated with globalisation is causing a pervasive growth of economic insecurity experienced all over the world. This is placing urgent demands on policymakers to rethink old policies and institutions. This book sets out a new approach to the assessment of income dynamics, based on identifying the diverse components of people’s income and entitlements. It defines ‘social income’ as a broader concept of household income which includes state, community and private benefits. It shows how those components should be measured and provides a composite picture of the structure of incomes and support systems of different societal groups. It recognises how the structure of income, as well as its distribution, has been linked to policy and development dynamics. It starts from a premise that unless the totality of incomes and income support systems is taken into account, academics and policymakers cannot expect to develop appropriate interventions. This perspective is developed though a detailed household survey conducted in rural and urban areas of Gujarat in 2007–2008. This provides an up-to-date picture of how institutions, NGOs and the state system are operating in the context of rapid restructuring of village life in India.
Author: Sarah Halpern-Meekin Publisher: NYU Press ISBN: 1479816892 Category : Social Science Languages : en Pages : 301
Book Description
How low-income people cope with the emotional dimensions of poverty Could a lack of close, meaningful social ties be a public—rather than just a private—problem? In Social Poverty, Sarah Halpern-Meekin provides a much-needed window into the nature of social ties among low-income, unmarried parents, highlighting their often-ignored forms of hardship. Drawing on in-depth interviews with thirty-one couples, collected during their participation in a government-sponsored relationship education program called Family Expectations, she brings unprecedented attention to the relational and emotional dimensions of socioeconomic disadvantage. Poverty scholars typically focus on the economic use value of social ties—for example, how relationships enable access to job leads, informal loans, or a spare bedroom.However, Halpern-Meekin introduces the important new concept of “social poverty,” identifying it not just as a derivative of economic poverty, but as its own condition, which also perpetuates poverty. Through a careful and nuanced analysis of the strengths and limitations of relationship classes, she shines a light on the fundamental place of core socioemotional needs in our lives. Engaging and compassionate, Social Poverty highlights a new direction for policy and poverty research that can enrich our understanding of disadvantaged families around the country.
Author: Publisher: International Labor Office ISBN: Category : Business & Economics Languages : en Pages : 486
Book Description
In all regions of the world, the seven forms of labour-related security have been affected by globalisation and the policies steering it. This analysis, drawing on a large amount of new data, identifies the main trends, provides indexes of national performance, looks at sources and forms of insecurities and considers policies that could improve economic security. Book jacket.
Author: Pranab Bardhan Publisher: Harvard University Press ISBN: 0674287584 Category : Business & Economics Languages : en Pages : 241
Book Description
An ambitious account of the corrosion of liberal democracy in rich and poor countries alike, arguing that antidemocratic sentiment reflects fear of material and cultural loss, not a critique of liberalism’s failure to deliver equality, and suggesting possible ways out. The retreat of liberal democracy in the twenty-first century has been impossible to ignore. From Wisconsin to Warsaw, Budapest to Bangalore, the public is turning against pluralism and liberal institutions and instead professing unapologetic nationalism and majoritarianism. Critics of inequality argue that this is a predictable response to failures of capitalism and liberalism, but Pranab Bardhan, a development economist, sees things differently. The problem is not inequality but insecurity—financial and cultural. Bardhan notes that antidemocratic movements have taken root globally in a wide range of demographic and socioeconomic groups. In the United States, older, less-educated, rural populations have withdrawn from democracy. But in India, the prevailing Hindu Nationalists enjoy the support of educated, aspirational urban youth. And in Europe, antidemocratic populists firmly back the welfare state (but for nonimmigrants). What is consistent among antidemocrats is fear of losing what they have. That could be money but is most often national pride and culture and the comfort of tradition. A World of Insecurity argues for context-sensitive responses. Some, like universal basic income schemes, are better suited to poor countries. Others, like worker empowerment and international coordination, have broader appeal. But improving material security won’t be enough to sustain democracy. Nor, Bardhan writes, should we be tempted by the ultimately hollow lure of China’s authoritarian model. He urges liberals to adopt at least a grudging respect for fellow citizens’ local attachments. By affirming civic forms of community pride, we might hope to temper cultural anxieties before they become pathological.
Author: George R. Boyer Publisher: Princeton University Press ISBN: 0691183996 Category : Business & Economics Languages : en Pages : 366
Book Description
How did Britain transform itself from a nation of workhouses to one that became a model for the modern welfare state? The Winding Road to the Welfare State investigates the evolution of living standards and welfare policies in Britain from the 1830s to 1950 and provides insights into how British working-class households coped with economic insecurity. George Boyer examines the retrenchment in Victorian poor relief, the Liberal Welfare Reforms, and the beginnings of the postwar welfare state, and he describes how workers altered spending and saving methods based on changing government policies. From the cutting back of the Poor Law after 1834 to Parliament’s abrupt about-face in 1906 with the adoption of the Liberal Welfare Reforms, Boyer offers new explanations for oscillations in Britain’s social policies and how these shaped worker well-being. The Poor Law’s increasing stinginess led skilled manual workers to adopt self-help strategies, but this was not a feasible option for low-skilled workers, many of whom continued to rely on the Poor Law into old age. In contrast, the Liberal Welfare Reforms were a major watershed, marking the end of seven decades of declining support for the needy. Concluding with the Beveridge Report and Labour’s social policies in the late 1940s, Boyer shows how the Liberal Welfare Reforms laid the foundations for a national social safety net. A sweeping look at economic pressures after the Industrial Revolution, The Winding Road to the Welfare State illustrates how British welfare policy waxed and waned over the course of a century.
Author: Institute of Medicine Publisher: National Academies Press ISBN: 0309187427 Category : Medical Languages : en Pages : 250
Book Description
At some point during 2009, more than 17 million households in the United States had difficulty providing enough food for all their members because of a lack of resources. In more than one-third of these households, the food intake of some household members was reduced and normal eating patterns were disrupted due to limited resources. The Workshop on Understanding the Relationship Between Food Insecurity and Obesity was held to explore the biological, economic, psychosocial, and other factors that may influence the relationship between food insecurity, overweight, and obesity in the United States. Hunger and Obesity examines current concepts and research findings in the field. The report identifies information gaps, proposes alternative approaches to analyzing data, recommends new data that should be collected, and addresses the limitations of the available research.
Author: Esther Sullivan Publisher: Univ of California Press ISBN: 0520968352 Category : Social Science Languages : en Pages : 316
Book Description
Manufactured Insecurity is the first book of its kind to provide an in-depth investigation of the social, legal, geospatial, and market forces that intersect to create housing insecurity for an entire class of low-income residents. Drawing on rich ethnographic data collected before, during, and after mobile home park closures and community-wide evictions in Florida and Texas—the two states with the largest mobile home populations—Manufactured Insecurity forces social scientists and policymakers to respond to a fundamental question: how do the poor access and retain secure housing in the face of widespread poverty, deepening inequality, and scarce legal protection? With important contributions to urban sociology, housing studies, planning, and public policy, the book provides a broader understanding of inequality and social welfare in the United States today.
Author: National Academies of Sciences, Engineering, and Medicine Publisher: National Academies Press ISBN: 0309452961 Category : Medical Languages : en Pages : 583
Book Description
In the United States, some populations suffer from far greater disparities in health than others. Those disparities are caused not only by fundamental differences in health status across segments of the population, but also because of inequities in factors that impact health status, so-called determinants of health. Only part of an individual's health status depends on his or her behavior and choice; community-wide problems like poverty, unemployment, poor education, inadequate housing, poor public transportation, interpersonal violence, and decaying neighborhoods also contribute to health inequities, as well as the historic and ongoing interplay of structures, policies, and norms that shape lives. When these factors are not optimal in a community, it does not mean they are intractable: such inequities can be mitigated by social policies that can shape health in powerful ways. Communities in Action: Pathways to Health Equity seeks to delineate the causes of and the solutions to health inequities in the United States. This report focuses on what communities can do to promote health equity, what actions are needed by the many and varied stakeholders that are part of communities or support them, as well as the root causes and structural barriers that need to be overcome.
Author: James W. Russell
Author: James W. Russell
Author: Khayaat Fakier
Author: Guy Standing
Author: Sarah Halpern-Meekin
Author: 
Author: Pranab Bardhan
Author: George R. Boyer
Author: Institute of Medicine
Author: Esther Sullivan
Author: National Academies of Sciences, Engineering, and Medicine