A comprehensive look at the crisis of unfunded pension liabilities and what must be done to avoid the same problem in the future As the generational bubble of the Baby Boomers begins to retire, it is increasingly evident that governments, corporations, and individuals have failed to adequately prepare for the obligations and needs of this giant cohort. Retirees are outliving actuarial life expectancies, pension liabilities are skyrocketing, pension plans are underfunded, and medical costs rise, the United States alone can expect unfunded liabilities to exceed $4 trillion. Even while the American economy shows signs of sustained recovery, states and local governments will still experience sharp increases in pension fund payments through the next year or longer. Global Pension Crisis looks at this situation and offers practical advice for retirement plan managers and financial advisors, while also explaining how to strengthen pensions and prevent similar crises in the future. Offers a clear and comprehensive explanation of the current pension crisis for retirement fund managers, financial advisors, and economists Includes prescriptive guidance on how to strengthen the pension fund system and prevent another similar crisis Written by venture capitalist, entrepreneur, and former senior Wall Street executive Rich Marin
The author writes with a storyteller's eye; his tales are rich in detail, his observations are noteworthy, and his prose is often filled with wry humor. The pictures he paints of colorful personalities are endlessly appealing. An insightful, often funny account of a man who follows a fiscally rewarding path but knows that life's meaning involves more than money." - Kirkus Reviews In this book, the author recalls his career and explores how to afford retiring while also coping with the existential crisis that so often goes along with leaving a job that's defined you. Drawing on his career and personal experiences preparing for retirement, he reveals how the prospect of retirement compels us to ponder what to do with our time and often requires us to find a new identity. Join the author as he rises up the ranks of banking and finance, helps people navigate financial challenges, and shares how to avoid the retirement-saving missteps and mistakes made by so many others in Gulag 401k.
Winner of the Western History Association's 2009 Hal K. Rothman Award Finalist in the Western Writers of America Spur Award for the Western Nonfiction Contemporary category (2008). The San Francisco Bay Area is one of the world's most beautiful cities. Despite a population of 7 million people, it is more greensward than asphalt jungle, more open space than hardscape. A vast quilt of countryside is tucked into the folds of the metropolis, stitched from fields, farms and woodlands, mines, creeks, and wetlands. In The Country in the City, Richard Walker tells the story of how the jigsaw geography of this greenbelt has been set into place. The Bay Area’s civic landscape has been fought over acre by acre, an arduous process requiring popular mobilization, political will, and hard work. Its most cherished environments--Mount Tamalpais, Napa Valley, San Francisco Bay, Point Reyes, Mount Diablo, the Pacific coast--have engendered some of the fiercest environmental battles in the country and have made the region a leader in green ideas and organizations. This book tells how the Bay Area got its green grove: from the stirrings of conservation in the time of John Muir to origins of the recreational parks and coastal preserves in the early twentieth century, from the fight to stop bay fill and control suburban growth after the Second World War to securing conservation easements and stopping toxic pollution in our times. Here, modern environmentalism first became a mass political movement in the 1960s, with the sudden blooming of the Sierra Club and Save the Bay, and it remains a global center of environmentalism to this day. Green values have been a pillar of Bay Area life and politics for more than a century. It is an environmentalism grounded in local places and personal concerns, close to the heart of the city. Yet this vision of what a city should be has always been informed by liberal, even utopian, ideas of nature, planning, government, and democracy. In the end, green is one of the primary colors in the flag of the Left Coast, where green enthusiasms, like open space, are built into the fabric of urban life. Written in a lively and accessible style, The Country in the City will be of interest to general readers and environmental activists. At the same time, it speaks to fundamental debates in environmental history, urban planning, and geography.
A comprehensive look at the crisis of unfunded pension liabilities and what must be done to avoid the same problem in the future As the generational bubble of the Baby Boomers begins to retire, it is increasingly evident that governments, corporations, and individuals have failed to adequately prepare for the obligations and needs of this giant cohort. Retirees are outliving actuarial life expectancies, pension liabilities are skyrocketing, pension plans are underfunded, and medical costs rise, the United States alone can expect unfunded liabilities to exceed $4 trillion. Even while the American economy shows signs of sustained recovery, states and local governments will still experience sharp increases in pension fund payments through the next year or longer. Global Pension Crisis looks at this situation and offers practical advice for retirement plan managers and financial advisors, while also explaining how to strengthen pensions and prevent similar crises in the future. Offers a clear and comprehensive explanation of the current pension crisis for retirement fund managers, financial advisors, and economists Includes prescriptive guidance on how to strengthen the pension fund system and prevent another similar crisis Written by venture capitalist, entrepreneur, and former senior Wall Street executive Rich Marin
In 1946, while Rosy the Riveter was taking her shop apron off and setting down her wrench for the last time, Millie Uher got into a U.S. Army surplus Jeep and drove up into the hills southwest of Maracaibo, Venezuela. In this biography written by her son, we learn she was much more than a working mother. She was a woman of the world and a rare trendsetter that changed the world without design and perhaps intent. The development and education expert would live 100 years and break ground and gender barriers as an athlete in basketball, tennis, golf, and especially alpine skiing as she trekked the globe. She dared to go where others, including men, dared not go, living her life at full speed and never once touching the brakes. From immigrant's child to global diplomat, from rural schoolchild to urbane single mother, and from first-generation high school graduate to Ph.D., this is the story of a traditional American girl who became a bona fide adventurer.
The seventh edition ofMechanical Engineering Designmarks a return to the basic approaches that have made this book the standard in machine design for over 40 years. At the same time it has been significantly updated and modernized for today's engineering students and professional engineers. Working from extensive market research and reviews of the 6th edition, the new 7th edition features reduced coverage of uncertainty and statistical methods. Statistics is now treated (in chapter 2) as one of several methods available to design engineers, and statistical applications are no longer integrated throughout the text, examples and problem sets. Other major changes include updated coverage of the design process, streamlined coverage of statistics, a more practical overview of materials and materials selection (moved to chapter 3),revised coverage of failure and fatigue, and review of basic strength of materials topics to make a clearer link with prerequisite courses. Overall coverage of basic concepts has been made more clear and concise, with some advanced topics deleted, so that readers can easily navigate key topics. Problem sets have been improved, with new problems added to help students progressively work through them. The book has an Online Learning Center with several powerful components: MATLAB for Machine Design (featuring highly visual MATLAB simulations and accompanying source code); the "FEPC" finite element program, with accompanying Finite Element Primer and FEM Tutorials; interactive FE Exam questions for Machine Design; and Machine Design Tutorials for study of key concepts from Parts I and II of the text. Complete Problem Solutions and PowerPoint slides of book illustrations are available for instructors, under password protection. A printed Instructor's Solutions Manual is also available, with detailed solutions to all chapter problems.
While popular TV shows such as Law & Order and bestselling novels such as Presumed Innocent present a sexy, seductive portrayal of the law profession, Richard Moll offers a rare -- and realistic-- inside look at the law and the men and women who practice it. In a book that's perfect for prospective law school students and citizens interested in a deeper look at the legal system, Richard Moll investigates the people behind the personas: practicing lawyers, would-be lawyers, and ex-lawyers through dynamic interviews. The differences between public perceptions and private reality emerge when he examines what lured each one of them to their particular type of practice; what they actually do; and what being a lawyer has done to them.
In the 25th century, humankind has spread throughout the galaxy, monitored by the watchful eye of the U.N. While divisions in race, religion, and class still exist, advances in technology have redefined life itself - a person's consciousness can be easily downloaded into a new body, making death nearly obsolete. Ex-U.N. envoy Takeshi Kovacs has been killed before, but his last death was particularly brutal. Resleeved into a new body in Bay City (formerly San Francisco), Kovacs is thrown into a shady, far-reaching conspiracy that is vicious even by the standards of a society that buys and sells human existence. As a warrior-for-hire, he is called to help a far-flung planet's government put down a bloody revolution. But when a rogue pilot and a sleazy corporate fat cat offer him a lucrative role in a treacherous treasure hunt, he's only too happy to go AWOL with a band of resurrected soldiers of fortune. All that stands between them and the ancient alien spacecraft they mean to salvage are a massacred city bathed in deadly radiation, unleashed nanotechnology with a million ways to kill, and whatever surprises the highly advanced Martian race may have in store.
Mike Stratton, a disbarred attorney, recently released from a federal prison, wakes up in jail in Cardiff-by-the-Sea, California, his boyhood hometown, suffering from amnesia and charged with the rape and murder of Diane Lawson. Her half-naked body was found in his Winnebago, parked at a local campground. Stratton is found next to her; unconscious, and with a head and hand injury his blood alcohol level off the scale. Stratton´s last memory is arriving unannounced at his Encino home, where he discovered his wife, Shiela, playing house with Gordon Heller his best friend, former law partner, and a co-participant in the insider-trading scheme that sent Stratton to prison. When C. J. Hagerty, the feisty and eccentric female attorney appointed to defend Stratton, wins a bail hearing, Stratton sets out to discover if he, or someone else, killed Diane Lawson. Her twin sister, Laura, stood to inherit a sizable estate. Her ex-husband, whom she dumped, was still in love with her. And then there is her boss, Martin Kolb, President and CEO of Quella Industries, a high-flying local defense contractor, who Diane threatened with a "whistleblower" lawsuit. Set against the background of colorful San Diego, and filled with surprises, this intelligent, tightly-crafted murder mystery and courtroom drama, will leave readers hanging on until the final plot-twisting denouement.
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