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Social Insecurity: 401(k)s and the Retirement Crisis by Russell, James W.
by Russell, James W. | HC | Good
US $6,82
OngeveerEUR 6,12
Objectstaat:
“Former library book; Pages can have notes/highlighting. Spine may show signs of wear. ~ ”... Meer lezenover objectstaat
Goed
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eBay-objectnummer:196188126797
Specificaties
- Objectstaat
- Goed
- Opmerkingen van verkoper
- Binding
- Hardcover
- Weight
- 2 lbs
- Product Group
- Book
- IsTextBook
- No
- ISBN
- 9780807012567
- Book Title
- Social Insecurity : 401 (K) Sand the Retirement Crisis
- Publisher
- Beacon Press
- Item Length
- 9.2 in
- Publication Year
- 2014
- Format
- Hardcover
- Language
- English
- Item Height
- 0.9 in
- Genre
- Political Science, Business & Economics
- Topic
- Public Policy / Social Security, Public Policy / Economic Policy, Personal Finance / General, Personal Finance / Retirement Planning, Investments & Securities / General
- Item Weight
- 17 Oz
- Item Width
- 6.2 in
- Number of Pages
- 224 Pages
Over dit product
Product Identifiers
Publisher
Beacon Press
ISBN-10
0807012564
ISBN-13
9780807012567
eBay Product ID (ePID)
167745802
Product Key Features
Book Title
Social Insecurity : 401 (K) Sand the Retirement Crisis
Number of Pages
224 Pages
Language
English
Topic
Public Policy / Social Security, Public Policy / Economic Policy, Personal Finance / General, Personal Finance / Retirement Planning, Investments & Securities / General
Publication Year
2014
Genre
Political Science, Business & Economics
Format
Hardcover
Dimensions
Item Height
0.9 in
Item Weight
17 Oz
Item Length
9.2 in
Item Width
6.2 in
Additional Product Features
Intended Audience
Trade
LCCN
2013-043335
Dewey Edition
23
Reviews
"A hard look at how retirement is changing as traditional paid-in pension plans are replaced by 401(k)s is addressed in Social Insecurity: 401(k)s and the Retirement Crisis ." -- Publishers Weekly "This is the story of how one individual fought bureaucracy--and won.... His campaign is truly a case history to be emulated, one that requires much patience and time." -- Booklist "James Russell is a formidable crusader with a gift for rendering an obtuse topic accessible. In Social Insecurity , he has penned a book that will enrage citizens of all ages and political persuasions, illuminate them about the organized robbery of their economic futures by the financial services industry, and inspire them to action. More than a description of a retirement system coopted by predatory bankers and fund managers, Social Insecurity is also a passionate account of the complicity of the global political elite and their ideological zealots, complete with a Hollywood moment of Russell's victory in achieving reform measures that can benefit everybody." --Nomi Prins, author of All the Presidents' Banker s and It Takes a Pillage "Forget the TV ads of gray-haired retired couples on bicycle trips. If you're an average American, you won't have enough to retire on. The shift from old-fashioned pensions to 401(k)s has enriched Wall Street and jeopardized your future. Essential reading for anyone who works for a living--from millennials to boomers--James Russell's Social Insecurity explains what you lost and who benefited from it." --Charles R. Morris, author of The Two Trillion Dollar Meltdown and The Tycoons "An absolutely necessary read! James Russell has written the book explaining how we all got sold on the ridiculous notion of do-it-yourself retirement savings, and why it was never, ever going to work for anyone but the financial services sector. A devastating indictment that nevertheless concludes with ideas for reversing a dangerous trend we can no longer afford to ignore." --Helaine Olen, author of Pound Foolish: Exposing the Dark Side of the Personal Finance Industry "You really can't understand inequality in America today, James Russell helps us see, without understanding how Wall Street has grabbed a chokehold on our retirement savings system. We're not 'saving for retirement' anymore. We're enriching the 1 percent. Informative and stimulating, Social Insecurity offers us a sobering tale about a financial experiment gone terribly wrong--and some great ideas on what we can do to change how this story ends." --Sam Pizzigati, author of The Rich Don't Always Win: The Forgotten Triumph over Plutocracy that Created the American Middle Class, 1900-1970, "James Russell is a formidable crusader with a gift for rendering an obtuse topic accessible. In Social Insecurity , he has penned a book that will enrage citizens of all ages and political persuasions, illuminate them about the organized robbery of their economic futures by the financial services industry, and inspire them to action. More than a description of a retirement system coopted by predatory bankers and fund managers, Social Insecurity is also a passionate account of the complicity of the global political elite and their ideological zealots, complete with a Hollywood moment of Russell's victory in achieving reform measures that can benefit everybody." --Nomi Prins, author of All the Presidents' Banker s and It Takes a Pillage "Forget the TV ads of gray-haired retired couples on bicycle trips. If you're an average American, you won't have enough to retire on. The shift from old-fashioned pensions to 401(k)s has enriched Wall Street and jeopardized your future. Essential reading for anyone who works for a living--from millennials to boomers--James Russell's Social Insecurity explains what you lost and who benefited from it." --Charles R. Morris, author of The Two Trillion Dollar Meltdown and The Tycoons
Dewey Decimal
332.024/01450973
Table Of Content
PREFACE CHAPTER 1 Before the Swindle CHAPTER 2 A Fix for What Wasn't Broken CHAPTER 3 Army Tanks and Think Tanks CHAPTER 4 Targeting Social Security and Public Worker Pensions CHAPTER 5 How 401(k)s Are Supposed to Work and Why They Don't CHAPTER 6 A Model Unravels CHAPTER 7 Turmoil in the Land of Steady Habits CHAPTER 8 What We Can Do Acknowledgments Notes Index
Synopsis
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., 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.
LC Classification Number
HD7105.45.U6R87 2014
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