Abstract
Top management often resorts to the most effective and immediate means of recovery which include cutting down cost through downsizing. This paper looks at the use by companies of encouraging employees to take early retirement for financial gains and discusses its feasibility

Table of Contents
Chapter 1 - Definition of the problem
-Background of the problem
-Purpose of the study
-Problem Statement
-Research Questions
-Definition of terms-alphabetical order
-Limitations of the study
CHAPTER II- LITERATURE REVIEW
Health and security
Tax deferral
Financial targeting
Institutional Rationale
Employees Impacted
CHAPTER III- METHODOLOGY
- Variables
-Data collection
-Data analysis
-Research questions
CHAPTER IV- DATA ANALYSIS
- Introduction
-Analysis relevant to research question 1
-Analysis relevant to research question 2
-Analysis relevant to research question 3
CHAPTER 5- SUMMARY, CONCLUSIONS, RECOMMENDATIONS
-Summary
-Conclusion
-Recommendation
REFERENCES

From the Paper
"The process of early retirement, a strategy adopted by many companies serves to save them from paying more to retirees. Retirement plans like 401(K) and Social Security all aim towards savings for the working individuals. They are the allowance that they can utilize once they leave the professional field. In the last decade or so, the rate of savings have dipped, turned up again and dipped again several times. With this pattern, organizations are concerned whether they can sustain retirement funding. In turn they try to equip themselves with strategies to minimize long term financial risks by inducing workers to retire early. These incentives include bonuses, stocks options, bonds etc. "

Tags:finance, organization, job, candidate, market, strategy, employer, employee

Abstract
The paper contends that retirement should be mandatory and it should take place between the ages of 55 and 57. The paper discusses the benefits involved, including opportunities for volunteer work, more freedom and lower healthcare expenses for employers. The paper notes the concern that without a sufficient pension, retirees will become a burden on the state. The paper concludes that an earlier retirement age should be the way companies work since they would save a lot of money. This would allow them to look after the newer generation and future of the country while retirees use their experiences to help others.

Outline:
Introduction
Benefits
Opposition
Conclusion

From the Paper
"Society is always changing. It is not something that can ever be avoided, and in many ways this is a good thing. A society that is not willing to grow and change will simply stagnate instead of continuing to evolve into something that is even better than it was in the first place. Not all of society's changes are good or bad, however. Some changes are simply changes, and they must be accepted as such. One of these changes is the fact that the population of America is becoming older overall as people are living longer. Even though there are many people being born, there are large groups of baby boomers and others that are reaching retirement age. This has many implications for the future."

Tags:pension, Social, Security, volunteer

Abstract
This paper explains that new laws permit corporations (1) to eliminate health insurance once promised to employees for early retirement and (2) to reduce retirement plans or change plans to the benefit of the corporation and (3) denies workers the right to sue the company to comply with retirement payments. The author points out that the pension deficits can be contributed to the fact that many corporations are overpaying CEOs' lump-sum pensions for years they did not work. The paper concludes that, if Congress does not write new laws in support of the American worker, almost all Americans will be living in poverty and working well into their golden years because of the broken promise and elimination of retirement plans.

From the Paper
"With the airline industry in peril, a few have eliminated the guaranteed pension plans in bankruptcy court and two have delayed pension contributions to cut costs. Delphi Corp., the largest US automaker, filed for bankruptcy protection on Oct. 8. They are trying to discontinue medical and life insurance benefits to its retirees. Pension funds for Delphi are $11 billion short. According to Harvard law professor, Elizabeth Warren, who specializes in bankruptcy "There's no business in America that isn't going to figure out a way to get rid of [these benefit promises]". Policies that once existed to allow Americans to live comfortably upon retirement have been eradicated by lawmakers. These same lawmakers are also encouraging companies to discard the lifetime-benefit agreements."

Tags:guarantee, medical, bankruptcy, corporations, congress

Abstract
This paper describes retirement planning as an ongoing process that a person needs to keep up with if goals are to be met. The paper contends that for those at or near retirement age, the planning process goes from accumulation of wealth to making the right decisions about assets. While one will still continue to accumulate money from investments, one will also be looking at using that money for day-to-day living expenses. The paper explains that the right choices are imperative in order to have the retirement lifestyle one desires.

Table of Contents
Early Financial Planning for Retirement
Financial Planning for Retirement: The 30s
Financial Planning for Retirement in Middle Life
Financial Planning for Retirement in the Later Years
Financial Resources for Retirement Planning
Social Security
Pension and Profit-Sharing Plans
Other Retirement Accounts
Other Resources
Retirement Strategies
Summary
References

From the Paper
"Credit card debt should also be evaluated when one is in their 20's. Many credit cards have interest rates of 20% or higher. Over time, a concerted effort should be made to lower balances on these cards. Continuing to maintain high balances and high interest rates delays
putting money aside for retirement. Financial goals should be shared with one's partner. It is of critical importance that each person is involved in the planning and agree on what type of lifestyle he or she wishes. Once the goals are mutually agreed on, both parties should be involved in carrying out the financial strategies necessary to achieve those goals. Each person should know and understand which investments to have and why. This is a critical period to educate oneself about how to handle finances."

Tags:old, age, savings

Abstract
This paper discusses the important issue of retirement planning. The paper claims that planning for retirement should begin as early as possible in life. It examines the necessity of setting goals and budgeting, as well as the crucial step of making investment choices. The paper acknowledges the difficulty in thinking ahead, but contends that the earlier the planning starts, the more comfortable the retirement will be.

From the Paper
"A comfortable retirement is a goal for most workers, but ensuring that comfort takes planning and foresight. Planning for retirement is much more complicated than opening a bank account or belonging to an employer-sponsored pension plan. While these are excellent beginnings, workers must plan for any and all events that can and will happen after retirement. Employees not only need to plan for retirement income, but they must also plan for the disposition of assets upon death. Employees need to decide where they will live after retirement, how tax matters with be handled, what insurance will be needed, and the list goes on. "

Tags:pension, investments, savings

Abstract
This paper discusses topics of aging such as government health promotion, age limits for public office holders, aging, Social Security, Medicare, prescription coverage, economic security, life-extending medical care, nursing homes, early retirement, where to die, aging and ethnicity, socioeconmics and gender.

From the Paper
"Long term care insurance covers medical and/or non-medical support services during prolonged illness, mental incapacity or disability and can include such things as assistance with the activities of daily living; bathing, dressing, eating, toileting, incontinence or transferring from bed to chair etc., and may include grocery shopping, laundry, meal preparation, managing medications, transportation and various types of medical therapies. The care can be provided in a variety of settings including one's own home, adult or group, family homes, assisted living facilities, nursing homes and continuing care retirement..."

Tags:age, economics, health, social security, medicare

Abstract
This paper describes the behavior of young attorney Mitch McDeere in John Grisham's novel, "The Firm". It analyzes the conflict he faces between the lure of good money and early retirement offered by total loyalty to his law firm although they are engaged in criminal activity and ethical behavior.

From the Paper
"In a review of John Grisham's The Firm one critic stated that the aphorism between a rock and a hard place' aptly describes the dilemma of a young attorney pressed by the FBI to reveal crime related secrets of his firm Conaty ..."

Tags:John Grisham, The Firm, Novel

Abstract
This paper describes human services from the early peoples recorded in history to America in the early 1900's. The author includes information on both financial support for the poor. The paper covers therapeutic support for special populations such as children, the developmentally disabled and the mentally ill.

From the Paper
"According to an essay published online by MSN Encarta, societies throughout history have looked for ways to provide financial support for the elderly, the very young, the disabled and the mentally ill. Religious and moral ..."

Tags:human servces, america, social security, charity, welfare, children, special needs, disabilities, retirement, savings, mental illness

Abstract
The paper looks at the extent and symptoms of alcohol abuse among the elderly as well as the incidences and symptoms of drug abuse. The paper then evaluates different therapy programs and treatment options for elderly substance abusers. The paper explains that this abuse among the elderly is caused by a variety of reasons, ranging from physical symptoms to neglect. Because of this, the paper maintains it is important for family members and caregivers to act upon the early symptoms of alcohol and drug abuse.

Outline:
Alcoholism
Substance Abuse Issues
Treatment Options

From the Paper
"Stereotypes of elderly people include the crotchety grandfather, the kindly grandmother or a gentle older person who tells stories of years gone by. The elderly are associated with concepts such as infirmity, illness and wisdom. Furthermore, as baby boomers retire, the "post-60" years are being seen as times of continued activity and productivity. More advances are therefore being made to address the diseases that previously plagued those in the post-retirement years."

Tags:alcohol, drugs, post-retirement, caregivers

Abstract
In this article, the writer discusses that although internal challenges as well as the prevailing shortage of nurses, the dwindling ranks of nurse faculty due to retirement and the high attrition rate of new nurse graduates exist, the external challenges can be remedied, albeit slowly. The writer maintains that this must stem from the realization as early as nursing school that evidence-based practice is an essential part of contemporary practice and must be fully appreciated during this part of their education. It is evident that practicing nurses that have not had this early exposure experience more difficulties in integrating this type of professional development into their work schedules in spite of their willingness to do so. The writer discusses that strategies must be implemented in order to properly prepare new graduates to inculcate evidence-based practice into their everyday work later on as well as encourage a work environment that actively promotes its understanding and practice in older graduates.

From the Paper
"However far removed research may seem to the nurse in a clinical setting, nursing practices guided by research-based evidence is fast replacing the old paradigm of anecdotal experience handed down from mentor to student, a testament to the continuous dedication of the nurse to professional development in the midst of resistance and the temptation of complacency. Research is "essential if the nursing profession is to meet its mandate to society for effective and efficient patient care". The objective of this paper is to discuss the impact of professional development, in the form of ..."

Tags:nursing, evidence, based, practice