The Aging Population in the United States and Its Effect on Our Economy - Free Essay Example

Managerial Economics ORG 342 The Aging Population in the United States and its Effect on our Economy July 20, 2010 Aging Population 1 The population in the United States is aging at an unprecedented pace. For the first time in history, seventy percent of everyone who has ever lived is alive today (Isidro, 2009). The aging population and their imminent retirement will place an even greater strain on the country’s financial resources. The baby boomers; people born between 1946 and 1964 have influenced our economy by their sheer number. As this age group matures and enters their retirement years, an economic shift is inevitable. Not only will changes be seen in government programs such as social security, Medicare, and Medicaid, but consumer spending will also see a dramatic transformation. Over the next thirty years, the United States will see the largest demographic change in history. 77 million baby boomers will cease to work and pay payroll taxes (Fehr, Jokisch, 2005). The drain on government social programs will be severe as the baby boomers retire and collect benefits. The gradual aging of the population will bring demographic changes not seen since the end of World War II. The increase in the number of people over age 65 strongly influences social, economical, medical, and personal situations. This phenomenon of aging will place extraordinary pressures on the economic resources necessary to sustain the population’s standard of living. In the Aging Population 2 United States, individuals over the age of 65 constituted 4 percent of the American population in the year 1900. In the year 1972, 10 percent of the population was over the age of 65. Estimates for the year 2050 are as high as 22 percent (U. S. Census Bureau, 2004). In the next 10 to 15 years, the first of the baby boomers will begin to retire. This will be a large generational shift from the young to the old. The United States population boom following World War II, did not con tinue with the resulting generation. This generation born as baby boomers produced much fewer children. This has resulted in the younger workforce shrinking as the aging population is increasing. The number of older persons supported by social security is growing while the number of younger employed persons paying into the retirement system is declining. This dependency ratio in the United States is currently at 20 percent. According to the World Bank, the dependency ratio will be close to 46 percent by the year 2050. The structure of the economy and consumption will experience a significant change. Many economists agree that people work and save money when they are young and live off the proceeds when they retire. With this formula, wealth peaks at retirement age and then declines thereafter indicating that people will have different consumption and saving patterns at different stages in their lives. With the change in the age structure, consumption patterns of the population will also Aging Population 3 change. The needs of older people are very different from the needs of middle aged and younger people and have less need for borrowing money (Isidro, 2009). Paying the elderly their promised benefits will require large tax increases. The burden on the younger workforce will be substantial. One study conducted by the National Bureau of Economic Research shows that the payroll tax will need to increase from 14 percent to 23 percent over the next 30 years, while the average income tax will rise from 10 to 14 percent. The total tax on wages will rise from 24 percent to 40 percent. Higher taxes mean lower after-tax income for workers. The younger work force will have less disposable income which results in less saving; less savings means less capital formation; less capital formation means lower labor productivity; and lower productivity means lower real wages (Fehr Jokisch, 2005). The younger work force will experience a 25 percent reduction in take home pay. According to National Institution of Pension Administration data, future public spending will be profoundly affected by the aging population. Major government transfer programs such as Social Security, Medicare, and Medicaid disproportionately benefit the elderly, while expenditures on public education disproportionately benefit the young. With the trend of our population entering the older age group, even more funds will be allocated to the elderly. With the younger generation being fewer in number, the government consumption in public education Aging Population 4 will be reduced, somewhat off setting the rising expenses for the older age group. Unfortunately the decrease in the number of school age children will be much less than the increasing numbers of people reaching retirement age, so the transfer of funds may be insignificant. In 1986, The Center for Mature Consumer Studies was established for the purpose of understanding the consumption behavior of the aging po pulation. Its mission is to generate and disseminate information that can help organizations improve the efficiency of their marketing activities and enhance the well being of older adults (Brock, 2010). Once portrayed as unhealthy and unproductive, this generation is now being seen as contributors and a viable consumer group. This large group of people has determined the size and age composition of the labor force for over 30 years. As this group ages, the age of the labor force increases; this will have an impact on the economy. The number of people exiting the labor force due to death, disability or retirement will rise in unprecedented numbers. By congressional mandate, beginning in the year 2000, the normal retirement age for collecting a full Social Security pension started increasing by gradual increments. The previous age for most recipients was 65 years and 2 months, and increases to 67 years by the year 2022 (Dohm, 2000). Along with the higher required age for collec ting Social Security, pension benefits are also being reduced. Congress in 2000, eliminated the earnings limit on the amount that Social Security recipients Aging Population 5 between the ages of 65 and 69 can earn before having to forfeit part of their Social Security benefits. Together, these Congressional policy changes could keep people in the work force longer. Another potential cause of people working longer is the retirement age is likely to rise with the trend of companies changing how their pension plans are distributed. Defined contribution pension plans are replacing defined benefits. The Bureau of Labor Statistics (BLS) conducted a survey of medium to large companies which showed that among full time employees, participation in defined benefit pension plans declined from59 percent in 1991 to 50 percent in 1997. Defined benefit plans provide the maximum benefits when taken at the earliest possible age of eligibility. In contrast, under defined contribution plans suc h as 401k’s, the amount of benefits accrued depends on the amount contributed to the plan by employees and employers, as well as the success and growth of the investment in the pension fund. A study by the American Association of Retired Persons (AARP) provides further evidence of an extended work life for baby boomers. 8 in 10 survey participants plan to work during their retirement years though not necessarily at the same job or full time. A Current Population Study conducted by the Bureau of Labor Statistics reveals a number of interesting details of the composition of the order labor force. With strong Aging Population 6 laws preventing discrimination of age and gender, more women have entered the work place. More women in the workforce will also have an impact on the economy. Gender compositions studies show that woman leave the work force after age 55 more rapidly than men. As a result, occupations that employee predominately more woman in their field (teachers, n urses, health support) will see a large number of employees exiting at an earlier age, within a short period of time. New employees will need to back fill these positions and with fewer numbers of potential employees, this could create an improved employment situation for the country. Many Small businesses will feel the demographic shift. With the population aging and the decrease in the younger work force, small business will be impacted. Small businesses are forced to raise wages and benefits to compete with larger corporations and to attract employees. With higher expenditures the cost of maintaining profits will prove to be a challenge. The United States economy will feel the strain by lower out-put from the businesses. With the potential for production capacity to shrink as the work force declines, the impact on the economy will be substantial. Some economist state that only exceptional growth in productivity will ensure sufficient resources to sustain rising standards of li ving for the aged and working Americans. Besides small businesses, other markets will feel the effects of the aging population. The United States economy is largely based on consumption and the older population as Aging Population 7 consumers will change the economy. Individuals aged 55 and older control more than three-fourths of this country’s wealth and the 65 plus group has twice as much per capita income as the average baby boomer (Weisman, 2005). With more financial resources and buying power, the seniors of today are redefining the marketplace. This age group is one that can not be ignored. The marketplace which traditionally focused on the younger generation is now scrambling to address the needs of the older generation. Older baby boomers spend there money differently than the younger boomers. Younger boomers born between the years of 1956 – 1964, are still focused on spending their money on children and mortgages. The older boomers born during the years , 1946-1955, are now mostly empty-nesters, and spend their money on upgrading their current homes, and personal effects (Booming, 2007). With the consumer market shifting to an older generation, many changes can be seen. Today’s marketplace is starting to change to adapt to the new growing consumer group. Companies must shift their attention to the population that is the growing in size and has the capacity to purchase what they are marketing. The market place today is changing before our eyes. Dating services that once catered to the young and beautiful, are finding a bigger market with the baby boomers. More baby boomers are on-line than ever. Dating and social networking sites are gaining more acceptance with society and the older population. On-line services are expected to grow exponentially. With this Aging Population 8 growth, advertising is changing as well. Advertising on web sites that cater to the older population is a booming business. Where magazine ads and television commercials were once the prevalent marketing media, one only needs to peruse the web pages geared to the older generation to see this is a niche market. While researching the baby boomers as consumers for this paper, I was amazed at the advertisements geared for this generation. The number of ads popping up between paragraphs, made reading the articles challenging. There were advertisements for cell phone ringtones for the mature person, healthcare items which promise to enhance or to improve quality of life, home improvement services, dating services, etc. The data that was found concerning the aging population and the economy, leads me to believe that our economy will be just fine. Executives, marketing groups, and entrepreneurs who are paying attention, should be able to tap into this robust aging generation of consumers. Yes, there is an economic shift occurring in the Unites States with the aging population. The sheer number of people in the baby boomer gener ation is certain to make an impact, but not necessarily a negative one. This generation of baby boomers is not only willing, but is able to keep this economy rolling. References Booming Business, Forever Trends, (August 2007)retrieved June 30, 2010 from www. trendwatching. com/trends/boomingbusiness. htm Brock, Jennifer, The Aging of America, (May, 2010) retrieved June 28, 2010 from https://www. cba. gsu. edu/magazine/aging. html Dohm, Arlene, Gauging the Labor force effects on retiring baby-boomers, Monthly Labor Review, (July 2000) https://www. monthlylabor review. com/human-resources. tml retrieved June 24, 2010. Fehr, Hans and Jokisch, Sabine (February, 2005). Aging, the world economy and the coming generational storm. National Center for Policy Analysis. Retrieved June 23, 2010. www. ncpa. org/pub/st/st273. Isidro, Isabel, M. (June 2009). The aging population and its effect on small business, Power Home Biz, https://www. powerhomebiz. com/vol12/aging. htm, retrieved June 24, 20 10, U. S. census Bureau, Census 2000 special report, issued December 2004. Weisman, Jonathan, Aging population poses global challenges, Washington Post, (February 2005) , https://www. washingtonpost. com/as2. Retrieved June 28, 2010.

What You Need to Know About Isee Essay Topics Lower Level

What You Need to Know About Isee Essay Topics Lower Level You probably won't be permitted to choose the test in case you're late, so verify you get there right on time. Simply accept the open door to inspect test tests so you comprehend what the test will resemble and what sorts of inquiries that you ought to hope to see. There's nothing more nerve-wracking than driving around lost at whatever point your test is going to begin. The top level test is more testing than the center level test, and the center level test is more enthusiastically than the lessening level test. He or she'll perceive designs concerning the structure of the inquiries. Following are some segment explicit tips your little one may find valuable. By using estimation or comprehension of math rules and hypothesis can support your child or girl dispense with mistaken answers. Test tests are additionally very helpful to empower you to recognize your youngster's qualities and shortcomings. The 30-Second Trick for Isee Essay Topics Lower Level actually, the paper is a smidgen of a puzzler. You can attempt numerous ways to deal with turn the pages of eBook to support your understanding experience. It'll be valuable to genuinely have a better eBook peruser than be in a situation to really have a predominant understanding encounter and higher brilliant eBook show. A great eBook peruser should be introduced. It is prescribed that you limit blunders to have the option to make a slick duplicate. Enrolling via phone or by means of fax may comprise of additional expenses. Often, the technique for counterbalancing the wrong answers can lead you into the ideal one (or, at any rate, decline the amount of choices you have to figure from). Beside that, the tests are precisely the same concerning the types of areas, number of inquiries, and time limits. The ISEE may have a huge impact in learning your youth's destiny for the ensuing four decades, yet it's just the first of some high-pressure tests your child wi ll look in the forseeable future. You and your child ought to give some time experiencing the manual for understand the requirements of the test. So ensure the person in question gets adequate rest the night prior to the test. In the event that the person in question finishes the test before the dispensed time, the person in question should utilize the rest of an opportunity to survey. About This Course If you're probably going to take the ISEE Middle Level test in the nearby future, use this useful test readiness course to get completely arranged. A monstrous part of the difficult personality of the ISEE is it's length! ISEE practice tests along with different assets are offered for understudies who may be approached to take it. Be certain you're utilizing the best possible ISEE practice tests for your particular level. There are numerous web assets out there for those looking to get ready for the ISEE. Next Level's proficient ISEE teachers are aware of the techniques by which pressure antagonistically influences execution, which is exactly why our ISEE coaching is proposed to reduce tension along with improve test-taking abilities. Do explore during your ISEE prep to see to what extent you will have and comprehend what things to envision. In the event that your understudy is thinking about taking the Independent School Entrance Examination (ISEE), you can ponder approaches to support her or him get ready. You can likewise find thorough and forward-thinking enrollment data in the ISEE Student Guide. In the first place, verify that you have perused the brief for the exposition cautiously. Numerous inquiries demand that you pick the perfect answer, so be sure to look at all of the appropriate response decisions before you bubble one in on the appropriate response sheet. For the individuals who have questions or inquiries regarding the ideal time to begin, contact Next Level now and we can help you in settling on an informed choice. All of the subjects gives an open door for those understudies to present themselves exclusively recounting to a story for their characters. The Battle Over Isee Essay Topics Lower Level and How to Win It The schools who read your example aren't probably going to realize that you're an incredibly quick author - yet they will be ready to tell how much exertion you place into your example. Understudies' scores are positioned contrasted with every understudy apply ing for precisely the same evaluation from the past 3 years. They will have the option to survey the course material on an assortment of gadgets, and our educators will be glad to address any inquiries your understudies may have. At times, understudies applying to many schools will choose for take both.

Examples of Research Paper Topics

Examples of Research Paper TopicsThe best examples of a research paper topics are a result of careful research and an obvious need for the reader to buy something. Understanding these important factors is the first step in creating the best possible research paper topics.* High Demand - This is the key to your project. As a rule, you want your topic to be at least five times more popular than the competition. Take note of your competition, which can range from your university to the leading high school or even local online high school. If they are indeed much more popular, your topic should not be too far off.* Reachable - There should be potential readers. Try to reach those who could potentially purchase your product. The same thing goes for your competition as well. You should try to reach the first few readers and those who could potentially buy from your product.* Research Ability - A good example of a research paper topics would involve running surveys over the internet. Once a gain, your project must have the ability to gain attention for long periods of time, making this important in creating interest in your product or service.* Insight - It is important to choose a topic that has insight. If you choose a topic that does not have any insight, chances are, no one will be interested in reading it and this may result in your project failing to gain any attention.* Recognized - All of the research paper topics must have been discussed on news channels and even on television. If you are to create a recognized research paper topic, you must have plenty of free advertising done and distributed as well.* Connections - Not all the research paper topics can be created as an independent project, but rather used in combination with other materials to create a campaign. If your research paper topics will be used in an ad campaign, they should have a significant amount of sales. Remember that your audience is your market.These are just some of the examples of a resea rch paper topics. As you can see, there are a lot of factors involved in creating a good research paper topic. If you have any concerns or questions, it would be best to talk to a business advisor or an academic advisor.

Controversial Topics for an Argumentative Philosophy Research Paper - Is it a Scam?

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General College Essay Samples at a Glance

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The Secret to The Giver Essay Topics

The Secret to The Giver Essay Topics the Giver Essay Topics: No Longer a Mystery The usage of the term sameness can be utilised to discuss the land, however, using the word may have a metaphorical meaning to explain the psychology and behavior of the folks who live within the community. Analyze the benefits and disadvantages of using euphemisms. At one time previously, the individuals who inhabited Jonas' community meant to create an ideal society. In addition, he learned plenty of things about his society, a few of which were not so excellent. Last of all, the issue with The Giver's society is it cannot truly create any actual family bonds between people and their loved ones. In both societies violence isn't allowed. Understanding the Giver Essay Topics The cost of an essay rides on the quantity of effort the writer has to exert. Minimum rates which are simple to afford You may have heard how your other peers pay for essay writing, but of course, as it's your very first time, you may be feeling anxious and a little worried. Reading example essays works the exact same way! Following are different kinds of essay topics for students that are categorized in many sections so you can easily chose the topic in accordance with your need and requirement. Apart from the function of basketball, is the use of dogfighting throughout the novel. Your childhood lasts until age twelve. And that's the most dangerous world of all. The absolute most exhilarating instance of the effect of the part of dog fighting comes toward the conclusion of the novel when Hurricane Katrina is beginning to make its way up the coast and China is in the center of a fight. Annually, there's a ceremony for all ages. This selection doesn't present any type of contention and, thus the lack of conflict between the characters. While we are an agency based in the USA of America, our services extend so far as in Australia. First and foremost, the most important theme of the inspiring individual struggling against the all-powerful State wasn't lost in the movie. the Giver Essay Topics - Is it a Scam? The very best part is that nobody ever makes the incorrect choice! After discovering the ability of knowledge, Jonas is troubled with the notion of passing his newest discovery to his loved ones. I was so suspicious of when Jonas left because it seemed so simple, but on the flip side, there's not any reason on earth to expect that everyone would want to break free from this world. 5 Discuss the way the thought of release is employed in The Giver. Cost-free Giver essay samples are offered on FreeEssayHelp with no payment or registration. After the proce dure for release is finally revealed, we aren't surprised to find that it's lethal injection. One other important theme in The Giveris the value of the person. Though the chance of individual choice sometimes involves risk, additionally, it exposes Jonas to a wide selection of joyful experiences from which his community was shut away. As a member of the community As a member of a community, you ought to be in a position to do everything which you can for the benefit of the community. Whenever you choose to ask us for expert guidance, don't hesitate to get in touch with our support managers. What all you will need is getting the assistance from a specialist and EssaysChief is going to be the expert that you seek out. This has been shown to be an extremely powerful and quick approach to aid with a writing assignment and find the business done properly. Jonas's choice to leave the community appears to get extra value as it will allow the community itself to start making choices. It is nearly as if choosing the incorrect shirt could possibly endanger the full community. Freedom necessarily suggests that numerous things will be done which we don't like. God can be found in the 3 battles mentioned. There are lots of themes mentioned throughout Jonas's life locally. One of the absolute most important themes in The Giveris the importance of memory to human life. Then Father gave a small chuckle. However, if they also are not able to recall the emotions connected with their good relationships with others, it's a mixed blessing. Sometime before, Jonas's community made a decision to give up their memories so as to eliminate the pain and regret that came with them. Don't forget the blessings and miracles of the Lord before. the Giver Essay Topics - Is it a Scam? He's not permitted to dream, though it is pleasant. And this isn't the close of the story yet. The very first is essentially a manifesto of the self.

Methods of Conflict Resolution - 558 Words

1. Process of conflict resolution for supervisors Conflict resolution is a process bringing about constructive change between or within the parties in conflict. The process usually involves four major steps. The first step is to establish the cause of the conflict. This involves gathering as many information as possible about the cause of the conflict, which will assist in finding the solution to the conflict. The more information collected, the easier the conflict can be resolved. The next step is to think outside the box in regard to the problem or to look beyond the incident. This involves establishing the origin of the conflict, it could be a small issue that happened years before, but the stress level has developed to the point where the parties involved have begun to attack one another individually rather than dealing with the real issue. The third step request solutions from the parties involved in the conflict. This is done by asking each of the parties to suggest how the situation can be changed, then identifying the most suitable course of action. The last step is to let the parties to agree on the course of action and time frames to end the conflict. 2. Components of problem solving (the SARA model) There are four key components of SARA model of problem solving. These include scanning, analysis, response, and assessment (Miller, Hess, Orthmann, 2010). Scanning entails identifying and providing description of the problem, while analysis entailsShow MoreRelatedCoach Carter s Conflict Resolution Methods931 Words   |  4 PagesCoach Carter’s Conflict Resolution Methods Introduction Bargaining to resolve conflict is a never ending story throughout the history of mankind. There are certain people who are truly inspirational due to their ability to stand firm on their morals. 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Grendel Beowulf Essay Example For Students

Grendel Beowulf Essay PROLOGUEEarly History of the DanesListen:You have heard of the Danish Kingsin the old days and how they were great warriors. Shield, the son of Sheaf,took many an enemys chair,terrified many a warrior,after he was found an orphan. He prospered under the skyuntil people everywherelistened when he spoke. He was a good king!Shield had a son,child for his yard,sent by Godto comfort the people,to keep them from fearGrain was his name;he was famous throughout the North. Young princes should do as he didgive out treasureswhile theyre still youngso that when theyre oldpeople will support themin time of war. A man prospersby good deedsin any nation. Shield died at his fated hour,went to God still strong. His people carried him to the sea,which was his last request. In the harbor stooda well-built ship,icy but ready for the sea. They laid Shield there,propped him against the mastsurrounded by goldand treasure from distant lands. Ive never heardof a more beautiful ship,filled with shields, swords,and coats of mail, gifts to him for his long trip. No doubt he had a little morethan he did as a childwhen he was sent out,a naked orphan in an empty boat. Now he had a golden bannerhigh over his head, was,sadly by a rich people,given to the sea. The wisest alive cant tell where a death ship goes. Grain ruled the Danesa long time after his fathers death,and to him was bornthe great Healfdene, fierce in battle,who ruled until he was old. Healfdene had four childrenHeorogar, Hrothgar, Halga the Good,and a daughter who marriedOnela, King of the Swedes. Hrothgar Becomes King of the DanesAfter Hrothgar became king he won many battles:his friends and familywillingly obeyed him;his childhood friendsbecame famous soldiers. So Hrothgar decided he would build a mead-hall,the greatest the world had ever seen, or even imagined. There he would share outto young and old alikeall that God gave him(except for public lands and mens lives). I have heard that orders went out far and wide;tribes throughout the worldset to work on that building. And it was built, the worlds greatest mead-hall. And that great mancalled the building Herot, the hart. After it was built,Hrothgar did what he said he would: handed out gold and treasure at huge feasts. That hall was high-towered,tall and wide-gabled(though destruction awaited,fire and swords of family trouble;and outside in the night waited a tortured spirit of hell). The words of the poet,the sounds of the harp,the joy of people echoed. The poet told how the world came to be, how God made the earthand the water surrounding,how He set the sun and the moonas lights for peopleand adorned the earthwith limbs and leaves for everyone. Hrothgars people lived in joy, happy until that wanderer of the wasteland,Grendel the demon, possessor of the moors,began his crimes. He was of a race of monstersexiled from mankind by GodHe was of the race of Cain, that man punished for murdering his brother. From that family comesall evil beingsmonsters, elves, zombies. Also the giants who fought with God and got repaid with the flood. Words/ Pages : 479 / 24