Posted by Elena del Valle on August 17, 2017
How To Retire with Enough Money
Photo: Workman Publishing
Are decisions about retirement on your mind? How much should you save? Where should you keep your money? Should you rely on an investment specialist? In How To Retire With Enough Money and How To Know What Enough Is (Workman Publishing, $12.95) retirement expert Teresa Ghilarducci (see Listen to podcast with Teresa Ghilarducci, author, How To Retire With Enough Money about her book) outlines what she considers the essential facts to prepare readers financially for the final years of their life.
“I wrote How To Retire With Enough Money because I found too many people were racked by guilt and shame because they didn't have enough savings to retire,” the economist said by email. “But it's not their fault entirely, the system is stacked against most people's retirement savings. I wanted to empower people to overcome the forces barring them from having enough money in retirement.”
The 128-page easy to read hardcover book was published in 2015 and is divided into six chapters: Facing the Facts; Bringing Your Picture into Focus; Working; Saving, Spending and Debt; Investing and Allocation; and Voting and Civic Involvement. Described on the back cover as a having "just financial common sense that's guaranteed to work," the book offers a positive and succinct approach to retirement. The author favors downsizing before retirement and offers strategies to cut back on spending. She strongly advises against relying on a financial advisor and urges readers to relocate their assets to low-cost index funds.
When asked how she would measure the success of her book she replied: “I will know I succeeded if people reading this How To Retire With Enough Money lowered their investment fees, fired their "guy" (the conflicted advisor), saved at least ten percent of their income by reducing debt and increasing their savings, and kept a monthly budget. Keeping a monthly budget is the key, the trailhead, to the path to financial empowerment.” When asked if the book was sponsored in any way she replied, “I received no money or benefit from any firm mentioned in the book. (I praise Vanguard from genuine regard and respect.).”
Teresa Ghilarducci, author, How To Retire with Enough Money
The book required three years of work. She wrote it for workers of all ages. The author emphasized that saving at younger ages is a lot less painful than waiting to catch up; and that a person reaches the same financial goal by saving a much smaller share of their income if they start in their 20s rather than their 40s.
Regarding retirement issues, the author said, “The greatest obstacle to retirement saving is that most employers don't offer a way for people to save at the workplace and when they do the law allows people to withdraw their money before retirement. Also federal government subsidies, in the form of tax breaks, favor the wealthy.”
About the challenges she faced when she set out to write the book she said, “One small challenge was convincing my publisher that I didn't want to make people rich, I wanted people to have enough. (It wasn't that hard, the publisher was fantastic and taught me a lot.) The main challenge was to write the book so I didn't scold the reader like other financial books tend to do. The last thing anyone needs is yet another book that simply says, save more, and if you don't it's your fault.”
“I am developing an interactive space on our Retirement Equity Lab (ReLab) website where I answer questions from anyone. And my follow-on book is coming out in January, coauthored by Tony James, about what the government can do to save retirement (Columbia University Press),” she said.
Ghilarducci is an expert on retirement, pensions, and personal savings, and the Bernard L. and Irene Schwartz Chair in Economic Policy Analysis at The New School for Social Research. She has a Ph.D. in economics from the University of California, Berkeley and taught previously at the University of Notre Dame.
Click to buy How to Retire with Enough Money
Posted by Elena del Valle on August 7, 2017
Hilary Linden, director, Indivisible
Photo: Kudzu Films
A podcast interview with Hilary Linder, director, Indivisible (see With video – New film showcases challenges faced by Dreamers) is available in the Podcast Section of Hispanic Marketing & Public Relations, HispanicMPR.com. During the podcast, she discusses her film with Elena del Valle, host of the HispanicMPR.com podcast.
Hilary combines her knowledge in the fields of international development and humanitarian relief with her passion for nonfiction storytelling as the director and producer of Indivisible. She is the founder and president of Kudzu Films, a production company dedicated to spreading social justice through film.
Hilary monitored humanitarian emergencies for USAID’s Office of U.S. Foreign Disaster Assistance and served as a programs manager at the Clinton Bush Haiti Fund, where she managed projects aimed at promoting job growth and smart, sustainable economic development. Hilary also has established education scholarships for children in Zimbabwe and Tanzania and conducted independent HIV/AIDS research in Rwanda. Indivisible follows three undocumented immigrants as they fight for a pathway to citizenship and a chance to reunite with family members.
To listen to the interview, click on the play button below, scroll down until you see “Podcast” on the right hand side, then select “HMPR Hilary Linder” and click on the play button below or download the MP3 file to your iPod or MP3 player to listen on the go, in your car or at home from the RSS feed. Some software will not allow flash, which may be necessary for the play button and podcast player. If that is your case, you will need to download the file to play it. To download it, click on the arrow of the recording you wish to copy and save it to disk. The podcast will remain listed in the August 2017 section of the podcast archive.
Posted by Elena del Valle on July 31, 2017
Teresa Ghilarducci, author, How To Retire With Enough Money
Photo: Matt Furman
A podcast interview with Teresa Ghilarducci, author, How To Retire With Enough Money: And How To Know What Enough Is is available in the Podcast Section of Hispanic Marketing & Public Relations, HispanicMPR.com. During the podcast, she discusses her book with Elena del Valle, host of the HispanicMPR.com podcast.
Teresa is an expert on retirement, pensions, and personal savings, and the Bernard L. and Irene Schwartz Chair in Economic Policy Analysis at The New School for Social Research. She has a Ph.D. in economics from the University of California, Berkeley and taught previously at the University of Notre Dame. Visit Teresa on the web at teresaghilarducci.org and on Twitter: @tghilarducci
To listen to the interview, click on the play button below, scroll down until you see “Podcast” on the right hand side, then select “HMPR Teresa Ghilarducci” and click on the play button below or download the MP3 file to your iPod or MP3 player to listen on the go, in your car or at home from the RSS feed. Some software will not allow flash, which may be necessary for the play button and podcast player. If that is your case, you will need to download the file to play it. To download it, click on the arrow of the recording you wish to copy and save it to disk. The podcast will remain listed in the July 2017 section of the podcast archive.
Posted by Elena del Valle on July 26, 2017
Photo, video: Fuse, Kudzu Films
In February 2013, Hilary Linder began work on a project that would lead her to the making of her first film, Indivisible, in which she followed the lives of three undocumented immigrants for almost three years. The 78-minute documentary about three undocumented immigrants, screened in 25 film festivals already, will air on Fuse, a cable network, at 10 p.m. ET July 29, 2017. Scroll down to watch a trailer.
Renata, Evelyn and Antonio meet their relatives at the United States-Mexico border
"Renata, Evelyn, and Antonio were young children when their parents brought them to the U.S. in search of a better life; they were teenagers when their families were deported," Linder said by email when asked to describe the film. "Today, they are known as Dreamers. Indivisible takes place at a pivotal moment in their lives, as they fight for a pathway to citizenship and a chance to be reunited with their loved ones."
When asked about the goal of the film, she said: "I selected immigration reform as the focus of my first film because I believe it will shape the identity of the United States for generations to come and because I knew there was an incredible human story to tell. When Congress introduced a comprehensive immigration reform bill in 2013, I grew frustrated that media coverage was focusing on numbers and statistics rather than the actual people at the heart of the debate. Knowing that immigration reform is a highly politicized topic, I set out to make a film that would humanize the issue and that both undocumented and documented audiences could relate to—a film about families."
In the United States she filmed in Massachusetts, New York City, Florida, and Arizona. Overseas, she filmed in Colombia, Brazil, and Mexico.
The documentary, funded mainly by the filmmaker with $30,000 of support she fundraised online and in person, premiered at the Cinequest Film Festival in March 2016.
The most common reaction is that they had no idea that families were being separated by deportation or what it is like for families to be separated, and, now that they know, they want to do something to change our immigration system and prevent this from happening," Linder said when asked about people's reaction to the film. "Before the election, many people indicated that the film had changed their mind about who they would vote for. And today, at such a scary time for immigrants in the U.S., audiences overwhelmingly ask what they can do to help. We like to direct people to our Take Action page on our website (indivisiblefilm.com/takeaction), where they can sign petitions, receive information about contacting their Members of Congress, and sign up to host their own screening of Indivisible."
Posted by Elena del Valle on July 20, 2017
The New Health Rules
Photos: Artisan, Timothy White, Brad Hamilton
As our country's population ages and the average age nears 80 many in their golden years are concerned about quality of life. Young and old are taking account of their health habits, seeking to live not just longer, but healthier lives. At the same time, there is so much conflicting health and nutrition information floating around it is challenging to know what to believe. Toward that end an integrative medicine doctor and a writer teamed up to share their ideas about wellness in a book that strives to provide short and easy to read health rules.
For people who want a minimum of reading they provide short descriptions, many single paragraphs, without ambiguity paired with full page color photos. Each one stands alone in The New Health Rules Simple Changes to Achieve Whole-Body Wellness (Artisan, $14.95), a 224-page softcover book by Frank Lipman, M.D. and Danielle Claro published in 2014.
The book, a New York Times bestseller, is divided into six sections: Introduction, Eating, Moving, Boosting, Healing and Living. The authors were unavailable to reply to questions submitted by email more than two weeks in advance to the book's publishing company.
Frank Lipman, M.D., co-author, The New Health Rules
In the book, the authors discuss a wide range of wellness topics. For example, in the Living section they recommend readers make sure to drink clean water (they explain that the substances added to tap water such as chlorine and fluoride are bad for the hormonal system). Other recommendations include meditation; walking outside instead of on a treadmill whenever possible; eating grass fed beef, if you eat beef; eating real food (plant foods that require refrigeration); and eating gluten free (most people are mildly sensitive and some highly sensitive, the authors say) non packaged foods.
Danielle Claro, co-author, The New Health Rules
Lipman, according to his biography, is physician to many celebrities such as Kevin Bacon, Kyra Sedgwick, Donna Karan, Jake Gyllenhaal, Maggie Gyllenhaal among others. He is also an international speaker on health and wellness. Claro, deputy editor, Real Simple, is a writer, former professional dancer and yogi. She has written two New York Times bestsellers and launched an indie lifestyle magazine, according to her biography.
Click to buy The New Health Rules