E–Newsletter
E–Newsletter
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DOI：
10.1002/maco.201770056
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发表时间：
2017-05
期刊：
影响因子：
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通讯作者：
S. Velikova;Zarina Markova;A. Parisi
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文献类型：
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作者：
S. Velikova;Zarina Markova;A. Parisi
根据研究公司Hearts & Wallets的一份新报告，55岁以上的美国家庭成员控制着74%的可投资资产，但他们的资产数量与他们是否退休几乎没有关系。该公司分析了美国人口普查局和联邦的数据，并在2022年8月和9月对5,993人进行了调查。“可投资资产”是指你拥有的可以很容易变现和投资的东西。报告发现，超过三分之一的55至64岁的家庭已经退休。在这一年龄组中，27%的人在五年内停止全职工作，37%的人预计将继续全职工作五年以上。在这个年龄段的人中，约有三分之一的人可投资资产不到5万美元，他们称自己已经退休。Hearts and Wallets首席执行官兼创始人劳拉·瓦拉斯（Laura Varas）在报告中写道，退休的决定“更多的是通过偿还债务和缩减生活方式来维持财务状况，而不是达到资产目标。注册财务规划师卡罗琳麦克拉纳汉，CNBC金融顾问理事会的成员，权衡了调查结果作为一个专家。她列举了两类老年工作者：一类人热爱工作，发现工作给他们带来了意义，无法想象不工作。其他人可能相信他们有足够的资产，但无法预测他们是否会再活40年。“关于何时退休的决定是个人的。但这份报告没有讨论许多美国人的需求，他们的收入不足以偿还债务，或者他们的身体无法工作，只要他们想，”小罗伯特罗奇补充说，联盟主席。“我们必须继续努力扩大社会保障和增加福利，以便所有美国人在准备好一生的辛勤工作后能够有尊严地退休。”佛罗里达联盟诉讼：联邦法官以歧视为由，对该州最新的选举法发出禁令。在上周的听证会后，一名联邦法官针对佛罗里达州新选举法的某些方面发出了初步禁令。佛罗里达联盟是此案的原告之一。佛罗里达北方区的法官马克步行者（Mark Walker）做出了有利于原告的裁决--原告还包括全国有色人种协进会（NAACP）分支机构和青年单位的佛罗里达州会议、平等地面教育基金、明日选民、残疾人权利佛罗里达、进步联盟、联盟中心和联合国--反对SB 7050中限制第三方选民登记团体能够做的事情。步行者说，这项法律“对从事选民登记和选民参与活动的第三方选民登记团体施加了新的严厉限制和惩罚”，使符合条件的佛罗里达人-特别是有色人种选民和残疾选民-更难参加该州的选举。“我们同意步行者法官的意见，即佛罗里达的新选举法是"寻找所谓问题的解决方案”，“联盟执行主任理查德·嘉年华说。“联盟将继续努力保护所有美国人，特别是老年人的投票权。”联盟成员加入卫生和公众服务部部长贝塞拉在俄亥俄州，以突出拜登政府努力降低药品成本00俄亥俄州联盟成员塞曼西布鲁克斯和迪安哈德逊加入泽维尔贝塞拉，美国卫生和公众服务部部长，在克利夫兰星期四。他们在一次活动中发言，强调了贝里斯-哈里斯政府的《降低通货膨胀法》中降低处方药价格的条款。贝塞拉部长参观了克利夫兰的百老汇药店，众议员肖恩特尔·布朗和克利夫兰市长贾斯汀·比布也参加了参观。俄亥俄州联盟主席诺姆·韦内特和副主席韦恩·安东尼奥也出席了活动。布鲁克斯女士是一名社区志愿者，也是高级声音联盟的领导人，该联盟致力于通过选民教育使工作后的生活成为可能的问题。她从克利夫兰的本杰明·罗斯老龄化研究所退休，是一名有执照的独立社会工作者和主管。她说，医疗保险将很快与出售10种高价药物的制药公司进行谈判。哈德逊女士服用血液稀释剂拜瑞妥来降低中风的风险。今年1月，她花了700美元买了这种药，从那以后，每个月她都要花几百美元买这种药。她描述了这种情况带来的经济困难，并指出，拜瑞妥是市场上最昂贵的药物之一，卫生和公众服务部正在考虑将其列为第一批接受价格谈判的药物。小约瑟夫·彼得斯说：“布鲁克斯女士和哈德逊女士在这个国家的高药价问题上表现出了个人的面孔，联盟秘书长。“我们感谢他们和贝塞拉部长帮助提高人们对《降低通货膨胀法》如何降低处方药成本的认识。”美国退休领导人联盟（Alliance for Retired Americans Leaders）
Deciding When to Retire is Not Always About How Much You’ve Saved, Report Finds Members of U.S. households over the age of 55 control 74% of investable assets, but the amount of their assets has little to do with whether or not they are retired, according to a new report from the research firm Hearts & Wallets. The company analyzed U.S. Census Bureau and Federal Reserve data and conducted a survey of 5,993 people in August and September 2022. “Investable assets” are the things you own that can be easily liquidated and invested. The report found that more than a third of households with people aged 55 to 64 were retired. Within that age group, 27% are within five years of stopping full-time work and 37% expect to continue working fulltime for more than five years. About a third of people in that age group who have less than $50,000 in investable assets described themselves as retired. Hearts and Wallets CEO and Founder Laura Varas wrote in the report that the decision to retire “is more about having the financial house in order by paying off debt and scaling back lifestyle than reaching an asset target.” Certified Financial Planner Carolyn McClanahan, a member of the CNBC Financial Advisor Council, weighed in on the findings as an expert. She cited two categories of older workers: One group loves to work, finds that work brings them meaning, and can’t imagine not doing work. Others may believe they have enough in assets, but cannot predict whether they will live another four decades. “The decision about when to retire is personal. But this report did not discuss the needs of many Americans who have not earned enough to pay off their debts or who are physically unable to work as long as they want to,” added Robert Roach, Jr., President of the Alliance. “We must continue our work to expand Social Security and increase benefits so that all Americans can retire in dignity after a lifetime of hard work when they are ready.” Florida Alliance Lawsuit: Federal Judge Issues Injunction Against State’s Latest Election Law, Citing Discrimination Following a hearing last week, a federal judge issued a preliminary injunction targeting aspects of Florida's new election law. The Florida Alliance is one of the plaintiffs in the case. Judge Mark Walker of the Northern District of Florida ruled in favor of the plaintiffs — which also includes the Florida State Conference of Branches and Youth Units of the NAACP, Equal Ground Education Fund, Voters of Tomorrow, Disability Rights Florida, Alianza for Progress, Alianza Center, and UnidosUS — against provisions in SB 7050, which restricts what third-party voter registration groups are able to do. Walker stated that the law “imposes harsh new restrictions and penalties” on third-party voter registration groups “engaging in voter registration and voter engagement activities and makes it harder for eligible Floridians — and in particular voters of color and voters with disabilities — to participate in the State’s elections.” “We agree with Judge Walker that Florida’s new election law is ‘a solution in search of alleged problems,’” said Richard Fiesta, Executive Director of the Alliance. "The Alliance will continue to fight to protect the right to vote for all Americans, especially seniors.” Alliance Members Join HHS Secretary Becerra in Ohio To Highlight Biden Administration Efforts to Lower Drug Costs 0Ohio Alliance members Semanthie Brooks and Dean Hudson joined Xavier Becerra, Secretary of the U.S. Department of Health and Human Services, in Cleveland Thursday. They spoke at an event highlighting the provisions of the Biden-Harris Administration’s Inflation Reduction Act that lower prescription drug prices. Secretary Becerra toured the Broadway Pharmacy in Cleveland, where he was also joined by Rep. Shontel Brown and Cleveland Mayor Justin Bibb. Ohio Alliance president Norm Wernet and vice president Wynne Antonio also attended the event. Ms. Brooks is a community volunteer and leader in the Senior Voice coalition, which works on issues that make life after a life of work possible through voter education. She retired from the Benjamin Rose Institute on Aging in Cleveland and is a licensed Independent Social Worker and Supervisor. She stated that Medicare will soon be at the negotiating table with the drug corporations that sell ten high priced drugs. Ms. Hudson takes the blood thinner Xarelto to reduce the risk of stroke. In January she paid $700 for the drug, and each month since she's paid hundreds of dollars for it. She described the financial hardship the situation brings and noted that Xarelto, one of the most expensive drugs on the market, is the kind of drug that HHS is considering to be part of the first group subject to price negotiation. “Ms. Brooks and Ms. Hudson put a personal face on the issue of high drug prices in this country,” said Joseph Peters, Jr., Secretary-Treasurer of the Alliance. “We thank them and Secretary Becerra for helping to raise awareness about how the Inflation Reduction Act is delivering lower prescription drug costs.” Message from the Alliance for Retired Americans Leaders