When I'm Sixty-Four: The Plot against Pensions and the Plan to Save Them
by Teresa Ghilarducci
from Princeton University Press
A crisis is looming for baby boomers and anyone else who hopes to retire in the coming years. In When I'm Sixty-Four, Teresa Ghilarducci, the nation's leading authority on the economics of retirement, explains how to confront this crisis head-on, revealing the causes behind the increasingly precarious economics of old age in America and proposing a bold plan to guarantee retirement security for every working citizen.
Retirement is one of the hallmarks of a prosperous, civilized market economy. Yet in America today Social Security is on the ropes. Government and employers are dismantling pension security, forcing older people to work longer. The federal government spends billions in exemptions for 401(k)s and other voluntary retirement accounts, yet retirement savings for most workers is falling. Ghilarducci takes an unflinching look at the eroding economic structure of retirement in America--and what she finds is alarming. She exposes the failures of pension regulators and the false hopes of privatized Social Security. She tells the ugly truth about risky 401(k) plans, do-it-yourself retirement schemes, and companies like Enron that have left employees without any retirement savings. Ghilarducci puts forward a sweeping plan to revive the retirement-income system, a plan that will ensure that, after forty years of work, every American will receive 70 percent of their preretirement earnings, guaranteed for life. No other book makes such a persuasive case for overhauling the pension and Social Security system in order to provide older Americans with the financial stability they have earned and deserve.
National Electrical Code 2008 Handbook (National Fire Protection Association//National Electrical Code Handbook)
by NFPA
from Delmar Cengage Learning
Get the expert support needed to comply efficiently, avoid violations, and keep electrical installations on track with the National Electrical Code® in this exclusive NEC® 2008 Handbook from the National Fire Protection Association (NFPA). Only the handbook offers the full NEC® 2008 text alongside expert commentary from code specialists, offering insight into code rationale, explanations of new and revised rules, and practical, hands-on advice on how to apply the code. A valuable resource for anyone involved in electrical design, installation, inspection, and safety, this book will give users the knowledge needed to feel confident that their work will be safe, efficient, and code-compliant. Delmar, a part of Cengage Learning is pleased to make this one-of-a-kind reference - containing the most widely accepted and most frequently used criteria for electrical installations in the U.S. - available directly from us for our customers who work in and around the electrical trades. It may be used independently and also makes an excellent companion to books in Delmar’s best-selling electrical wiring series.
While America Aged: How Pension Debts Ruined General Motors, Stopped the NYC Subways, Bankrupted San Diego, and Loom as the Next Financial Crisis
by Roger Lowenstein
from Penguin Press HC, The
From the bestselling author of Buffett, When Genius Failed, and Origins of the Crash, a wake-up call to the pension and retirement crisis facing America and the road map for a way out
In While America Aged, bestselling author Roger Lowenstein explains how corporations and governments ran up ruinous pension and health-care promises to workers—promises that are now coming due and that will hit America like a tsunami if nothing is done.
Negotiating high benefits means gambling with future finances—and when the farm gets sold out from underneath major corporations or public institutions, it affects all of us, and in ways we might not imagine. With his trademark narrative panache, Lowenstein unravels the truth about how pensions work in America and illuminates the impending crisis. While America Aged is comprised of three fascinating case studies— each an object lesson and a compelling historical saga. The first goes back to the early days of the United Auto Workers and its crusading leader, Walter Reuther, to tell the story of how pensions and health-care obligations destroyed the American auto industry, in particular General Motors.
Lowenstein then shifts the scene to New York City to tell the story of the rise of public pensions and public sector unions through the vehicle of the Communist-led Transport Workers Union. Once again, justifiable benefits were followed by outrageous ones, such as the right to retire at age fifty. The saga reached a dramatic climax in 2005, when workers responded to proposed pension cutbacks with a massive strike that brought New YorkÂ’s subways and buses to a screeching halt days before Christmas.
In the concluding episode, Lowenstein visits a metropolis even more reckless in doling out benefits—San Diego. Desperate not to impose higher taxes, city officials in this highly conservative enclave cut a series of deals with unions to short-change the retirement system and use pension funds to run the city. A massive scandal ensued—two mayors resigned, officials were indicted, and San Diego lost its bond rating. Lowenstein warns that the pension wars that erupted in Detroit, New York City, and San Diego are only the first. But he also recognizes that workers are entitled to decent security in their retirement—a critical problem as the country ages. While America Aged explains how we came to this crisis, and it also proposes a way out. Arming readers with knowledge of the consequences of doing nothing, While America Aged, first and foremost, a call to action.
The Law Of Torts: Examples And Explanations (Examples & Explanations)
by Joseph W. Glannon
from Aspen Publishers
A favorite among law students and professors alike, the Examples & Explanations series is ideal for studying, reviewing and testing your understanding through application of hypothetical examples. Authored by leading professors with extensive classroom experience, Examples & Explanations titles offer hypothetical questions in the subject area, complemented by detailed explanations that allow you to test your knowledge of the topic, and compare your own analysis.
2006 International Residential Code - Softcover Version (International Residential Code)
by International Code Council
from Delmar Cengage Learning
The 2006 International Residential Code®brings uniformity to construction of one- and two-family dwellings and townhouses up to three stories high. A comprehensive code for homebuilding, this book brings together all building, plumbing, mechanical, and electrical provisions. It establishes minimum regulations using prescriptive provisions, and is founded on broad-based principles that make possible the use of new materials and building designs.
Property
by James E. Krier
from Aspen Publishers, Inc.
A Civil Action
by Jonathan Harr
from Vintage
In America, when somebody does you wrong, you take 'em to court. W. R. Grace and Beatrice Foods had been dumping a cancer-causing industrial solvent into the water table of Woburn, Massachusetts, for years; in 1981, the families of eight leukemia victims sued. However, A Civil Action demonstrates powerfully that--even with the families' hotshot lawyers and the evidence on their side--justice is elusive, particularly when it involves malfeasance by megacorporations. Much of the legal infighting can cause the eyes to glaze. But the story is saved by great characters: the flawed, flamboyant Jan Schlichtmann and his group of bulldogs for the prosecution; Jerome Facher, the enigmatic lawyer for Beatrice, who proves to be more than a match; John J. Riley, the duplicitous, porcine tannery owner; and a host of others. It's impossible not to feel the drama of this methodical book, impossible not to grieve for the parents who lost children, and impossible not to share Schlichtmann's desperation as he runs out of money. A Civil Action reads like one long advertisement for a few well-placed Molotov cocktails. (But that wouldn't make for a very long book, now would it?)
Every element of great drama--tragic deaths, titanic greed, a flawed hero--already existed in Jonathan Harr's A Civil Action. John Shea's reading provides the finishing touch: a great voice. Shea, an Obie Award-winning stage actor, is probably best known for his roles in a handful of films in the '80s, including Missing and Windy City. His smooth, disciplined reading guides us through some of the book's heavy traffic--lots of medical information, many characters with complex backgrounds, multiple carcinogenic chemicals--without for a second allowing us to get lost in those details. We never forget we're heading toward one of modern journalism's great clashes of good and evil, and even if we know in advance which side wins, the narrative path to that conclusion is always riveting. (Running time: 4 hours, 4 cassettes) --Lou Schuler
"The legal thriller of the decade." --Cleveland Plain Dealer
Now a Major Motion Picture!
In this true story of an epic courtroom showdown, two of the nation's largest corporations stand accused of causing the deaths of children. Representing the bereaved parents, the unlikeliest of heroes emerges: a young, flamboyant Porsche-driving lawyer who hopes to win millions of dollars and ends up nearly losing everything, including his sanity. A searing, compelling tale of a legal system gone awry--one in which greed and power fight an unending struggle against justice--A Civil Action is also the story of how one determined man can ultimately make a difference. With an unstoppable narrative power, it is an unforgettable reading experience.
Rich Dad's Real Estate Advantages: Tax and Legal Secrets of Successful Real Estate Investors
by Sharon L. Lechter
from Business Plus
Real Estate Advantages is for first-time as well as seasoned real estate investors. It reveals the tax and legal loopholes available and most important, how they can be used together to not only maximize your income--but accelerate your income from real estate investing. Sharon Lechter and Rich Dad's Advisor Garrett Sutton team up for the first time to deliver practical, proven strategies and formulas--from the perspective of successful investors, CPAs and asset protection attorneys--for acheiving the greatest leverage from real estate investing. Written in easy-to-understand language, this book de-mystifies the legal and tax aspects of investing with easy-to-follow, real life examples. Real Estate Advantages reveals how you can find good advisors, create steady monthly income, reduce your risk, pay less in taxes, make more money with your banker's money and, best of all, the government helps you!
The Gridlock Economy: How Too Much Ownership Wrecks Markets, Stops Innovation, and Costs Lives
by Michael Heller
from Basic Books
Every so often an idea comes along that transforms our understanding of how the world works. Michael Heller has discovered a market dynamic that no one knew existed. Usually, private ownership creates wealth, but too much ownership has the opposite effect—it creates gridlock. When too many people own pieces of one thing, whether a physical or intellectual resource, cooperation breaks down, wealth disappears, and everybody loses. Heller’s paradox is at the center of The Gridlock Economy. Today’s leading edge of innovation—in high tech, biomedicine, music, film, real estate—requires the assembly of separately owned resources. But gridlock is blocking economic growth all along the wealth creation frontier.
A thousand scholars have applied and verified Heller’s paradox. Now he takes readers on a lively tour of gridlock battlegrounds. Heller zips from medieval robber barons to modern-day broadcast spectrum squatters; from Mississippi courts selling African-American family farms to troubling New York City land confiscations; and from Chesapeake Bay oyster pirates to today’s gene patent and music mash-up outlaws. Each tale offers insights into how to spot gridlock in operation and how we can overcome it.
The Gridlock Economy is a startling, accessible biography of an idea. Nothing is inevitable about gridlock. It results from choices we make about how to control the resources we value most. We can unlock the grid; this book shows us where to start.
2006 International Building Code - Softcover Version: Softcover Version (International Building Code)
by International Code Council
from Delmar Cengage Learning
The 2006 International Building Code® addresses the design and installation of building systems through requirements that emphasize performance. Fully compatible with all the International Codes, the 2006 edition provides up-to-date, comprehensive coverage that establishes minimum regulations for building systems using prescriptive and performance-related provisions. Content is founded on broad-based principles that make possible the use of materials and building designs. Structural as well as fire- and life-safety provisions covering seismic, wind, accessibility, egress, occupancy, roofs, and more are included.
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