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I have some documents for some articles. My instructor asked me to print some thing that is related to those subjects thaat are in the document i attached. write two points for about the subject from the media with a subject related to the ones i attached. Also, the instructor asked me to use like those types of sentences when I start to write the points. Example, One point of the article I figured out that was not obvious is bla bla) or (one key point of view not covered in the article is bla bla) if someone feels like know the requirements, bid :) again the documents i attached

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Ali Albaqshi CMTY 195: Community & Democratic Citizenship Pension, Megacities and Retirement age Dr. Chuks Ugochukwu St. Cloud State University St. Cloud, MN February 6, 2018 Page 1 of 5 1. Jamie Robertson, “The shock that awaits pensioners at retirement”, 2015 One of the most important information from the article is that the retirement plan is underfunded, and the author wants to make the pensioner in America aware of the situation at hand. Because of this she encourages the workers to work longer and save more. The author brings to our attention that if the people delayed their retirement until they are 70years then they have put aside enough money to spend once they have retired. The article is encouraging people to take advantage of the pension schemes available and start saving as early as they start earning to have a monthly income during retirement. The author also enlightens us on what is happening in the other countries, what their governments are doing to ensure that their citizens save up enough for their retirement. One concept from the article is that the government should consider letting the people use equity on their house to finance their pension. Since many people hold their homes dearly and would want to leave it to their children. But on the other hand, this seems not to be the solution. The authors suggest that the citizens should be encouraged to start saving for their retirement as soon as they start working. One thing that I think the authors should have done is looking for more permanent solutions. 2. Richard Florida, “Why so many emerging megacities remain so poor”, 2014 One of the most important information that came out from the article is the rapid growth of cities around the world. Economists and Urbanists consider this as a good thing Page 2 of 5 because it helps in economic development. On the other hand, the author draws to our attention that most cities remain poor. Such as Africa, Asia, and Latin America and he asks if urbanization drives economic development why do many global cities remain poor. This is because they have poor governing structures and weaker institutions. For the situation to be overturned cities need competent governments with enough money. Challenges that poor cities face include high levels of crime and congestion. Also, there is high spread of diseases. One key concept to understand from the article is that of the role of social movements when it comes to pushing for needed institutions, better policies and greater accountability. This will help reduce the number of slums of poverty. The author notes that in the next few decades billions of people will make cities their home, this call for the governments to be able to get it right by having appropriate policies, strategies and institutions. This will help reduce poverty levels. 3. Tom Sightings, “How Baby Boomers will shift the economy”, 2013 The most important information from the article is on how certain industries will benefit as a result of number of elderly people increasing because of the products and services they have to offer. For instance, they will provide money making opportunities because they will want to move to warmer and friendlier climates, they will also manage their IRA through financial institutions. Also, they will buy long-term care insurance, pay rent for senior citizens among others. It is important to note that older citizens are richer than ever because more elder citizens are working now. Because of this poverty levels have gone down. Page 3 of 5 One concept to understand from the article is on one smart way to invest in the baby boomers. Which to identify the trend then let an expert pick the specific companies that are most likely to benefit from those prevailing winds. They suggest three ideas which are medical since older people use more medical products than older people, finance and insurance they will need money managers because they are responsible for their finances and savings, and finally consumer products like personal products such as anti-wrinkle creams. 4. Christopher Ingraham, “If you thought income inequality was bad get a load of wealth inequality”, 2015 The most important information from the article is a factor that has been ignored for such a long time when it comes to determining the haves and the have-nots and that is the wealth inequality. Wealth can be determined by the amount of stuff you own. In most cases when countries are measuring inequality they focus on income rather than on wealth. The author brings to our attention that when you account for the wealth that is owned by which category of people in the economy then it will give us a clear picture on the inequality status of the country. One concept to understand from the article is that more inequality equals to less economic growth. Because the less fortunate you are not able to contribute to the economy. Wealth describes the value of what a family owns minus its debts, offers security and privilege that can last for generations. Wealth starts from where a person lives. The conclusion from the article is that after adding up all the components of wealth the white population holds up to 7 times more wealth than the black population in Page 4 of 5 America. The article leaves a lot to be desired because it does answer the question on what can be done to bridge this gap of inequality. 5. Renee Morad, “Age 70 is the new 65 here’s why”, 2014 One important information from the article is that people are delaying their retirement age to 70 years because they end up getting a lot of money out of it. Their driving factor is that when you delay the social security benefits they increase by 8% every year. Also, you can be able to add a full year’s savings. This will increase the family household income by a few more thousands. It also means that there is longer lifespan since one is able to support yourself on retirement assets. Finally, people are increasing their retirement years so that they still find themselves tied down by debts. One concept to understand from the reading is that there will come a time that the state will set the retirement age at 70 because the after this age it will mean that the retirees will be able to take good care of themselves. Also, it can allow the pensioners to save up some more cash and also give them more time to pay up their debts. Also, it will help them to keep the lifestyle they are used to even after they retire. The question that comes out clearly from the article is, are the citizens getting enough sensitization on the importance of retiring at 70. Then what interventions are in place to ensure that more citizens change their attitude on the retirement age. Page 5 of 5 Running Head: ARTICLES’SUMMARIES 1 Student Name: CMTY 195: Community &Democratic Citizenship Pension, Megacities and Retirement age Instructor: Professor Chuks Ugochukwu St. Cloud State University St. Cloud, MN February 5, 2018 ARTICLE’S SUMMARIES 1. Jamie Robertson, “The shock that awaits pensioners at retirement”, 2015 One of the most important information from the article is that the retirement plan is underfunded and the author wants to make the pensioner in America aware of the situation at hand. Because of this she encourages the workers to work longer and save more. The author brings to our attention that if the people delayed their retirement until they are 70years then they have put aside enough money to spend once they have retired. The article is encouraging people to take advantage of the pension schemes available and start saving as early as they start earning so as to have a monthly income during retirement. The author also enlightens us on what is happening in the other countries, what their governments are doing to ensure that their citizens save up enough for their retirement. One concept from the article is that the government should consider letting the people use equity on their house to finance their pension. Since many people hold their homes dearly and would want to leave it to their children. But on the other hand this seems not to be the solution. The authors suggest that the citizens should be encouraged to start saving for their retirement as soon as they start working. One thing that I think the authors should have done is looking for more permanent solutions. 2. Richard Florida, “Why so many emerging megacities remain so poor”, 2014 One of the most important information that came out from the article is the rapid growth of cities around the world. Economists and Urbanists consider this as a good thing because it helps in economic development. On the other hand, the author draws to our attention that most cities remain poor. Such as Africa, Asia, and Latin America and he asks if urbanization drives economic development why do many global cities 2 ARTICLE’S SUMMARIES remain poor. This is because they have poor governing structures and weaker institutions. For the situation to be overturned cities need competent governments with enough money. Challenges that poor cities face include high levels of crime and congestion. Also, there is high spread of diseases. One key concept to understand from the article is that of the role of social movements when it comes to pushing for needed institutions, better policies and greater accountability. This will help reduce the number of slums of poverty. The author notes that in the next few decades billions of people will make cities their home, this call for the governments to be able to get it right by having appropriate policies, strategies and institutions. This will help reduce poverty levels. 3. Tom Sightings, “ How Baby Boomers will shift the economy”, 2013 The most important information from the article is on how certain industries will benefit as a result of number of elderly people increasing because of the products and services they have to offer. For instance they will provide money making opportunities because they will want to move to warmer and friendlier climates, they will also manage their IRA through financial institutions. Also, they will buy longterm care insurance, pay rent for senior citizens among others. It is important to note that older citizens are richer than ever because more elder citizens are working now. Because of this poverty levels have gone down. One concept to understand from the article is on one smart way to invest in the baby boomers. Which to identify the trend then let an expert pick the specific companies that are most likely to benefit from those prevailing winds. They suggest three ideas which are medical since older people use more medical products than older people, finance and insurance they will need money managers because they are responsible 3 ARTICLE’S SUMMARIES for their finances and savings, and finally consumer products like personal products such as anti-wrinkle creams. 4. Christopher Ingraham, “ If you thought income inequality was bad get a load of wealth inequality”, 2015 The most important information from the article is a factor that has been ignored for such a long time when it comes to determining the haves and the have-nots and that is the wealth inequality. Wealth can be determined by the amount of stuff you own. In most cases when countries are measuring inequality they focus on income rather than on wealth. The author brings to our attention that when you account for the wealth that is owned by which category of people in the economy then it will give us a clear picture on the inequality status of the country. One concept to understand from the article is that more inequality equals to less economic growth. Because the less fortunate you are not able to contribute to the economy. Wealth describes the value of what a family owns minus its debts, offers security and privilege that can last for generations. Wealth starts from where a person lives. The conclusion from the article is that after adding up all the components of wealth the white population holds up to 7 times more wealth than the black population in America. The article leaves a lot to be desired because it does answer the question on what can be done to bridge this gap of inequality. 5. Renee Morad, “ Age 70 is the new 65 here’s why”, 2014 One important information from the article is that people are delaying their retirement age to 70 years because they end up getting a lot of money out of it. Their driving factor is that when you delay the social security benefits they increase by 8% every year. Also, you can be able to add a full year’s savings. This will increase the family 4 ARTICLE’S SUMMARIES household income by a few more thousands. It also means that there is longer lifespan since one is able to support yourself on retirement assets. Finally, people are increasing their retirement years so that they still find themselves tied down by debts. One concept to understand from the reading is that there will come a time that the state will set the retirement age at 70 because the after this age it will mean that the retirees will be able to take good care of themselves. Also it can allow the pensioners to save up some more cash and also give them more time to pay up their debts. Also it will help them to keep the lifestyle they are used to even after they retire. The question that comes out clearly from the article is, are the citizens getting enough sensitization on the importance of retiring at 70. Then what interventions are in place to ensure that more citizens change their attitude on the retirement age. 5
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Attached.

Student Name:
CMTY 195: Community &Democratic Citizenship
Pension, Megacities and Retirement age
Instructor: Professor Chuks Ugochukwu
St. Cloud State University
St. Cloud, MN
29th March 2018

1. Dana, “The Best Retirement Investments”, 2017
One of the most important information presented in this article is the plan to effectively plan for
your retirement time. As per the article, there are many ways to make a saving plan before the
time of retirement. This article is similar to the article reviewed in the previous article, titled,
“the shock that awaits pensioners at retirement.” This one is on the shock that waits those are at
the verge of retirement. On this other article, there is the need for the retirement age to
understand that they need to understand a few tips. One such tip is the need to understand that
they should construct a return portfolio. This ensures that those retiring come up with the
appropriate saving plan that will see them through their retirement ages. There is the need for
those working and soon to retire that their period to retire could be a long retirement journey.
Taking the retirement age is fifty-five years, and the life expectancy is ninety years, means that
there are over forty years of no work. The other tip that those are almost retiring need to
understand is that there is the need to save in the bonds. This means that you are loaning money
to the government or other institutions. With a retirement plan in mind, it means that money will
be at your disposal when you retire as you will have invested with the bank.
One concept from the article that is worth understanding that age is gradually catching with us,
and therefore, we need to make a saving plan. This means those retiring need to make a wise
investment plan. There is the need to come up with an investment plan that is worth taping into.
As per the arguments presented in this article, there is the need to plan for a saving plan for the
rainy days. S...


Anonymous
Really useful study material!

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