Description: This report summarizes why it appears that appropriate financial advice is generally not available to the non-affluent segment of the American public.

Description: This session from the 1995 SOA Boston Meeting covers an overview of demographics in the U.S., the impact that population demographics have on sales and product design. From the Record of the Society of Actuaries, Vol. 21, No. 4b.

Description: Description of the vast variety of predictive analytics topics covered by the Forecasting & Futurism section and introduction to the July 2015 issue of the newsletter.

Description: This table is an analysis of engagement among adults age 55 and older by health status. Engagement is defined as time spent in paid work, formal volunteering informal volunteering and caregiving activities.

Description: We discussed impacts of procrastination and strategies to harness the power of inertia to aid individuals in their pursuit of future financial well-being.

Description: In the United States, things were never the same after a universal credit card, good for everything private and public, was adopted. It was agreed to use the Social Security number. Once put into effect, there were strange developments. This is satire.

Description: The article discusses the sustainability of the ACA individual market from a public entitlement standpoint. A key point of measuring sustainability is the reliance on market forces rather than federal budget constraints. The article explains why an actuarial viewpoint of sustainability is necessary to a greater extent than other public assistance and social insurance programs. The article challenges actuaries to be a bold, objective voice in a space that is full of opinionated but often uninformed viewpoints.

Description: This article highlights the paper presented by Eric Short, F.I.A., actuary and journalist with the London Financial Times, presented to the Students Society of the Institute earlier this year. His conclusion was bleak he quoted from Hagel: What experience and history teach us is that people and governments never have learned anything from history or acted on principles deduced from it.

Description: This is an article about the lack of savings by the baby boomers and how it will affect retirement and the ramifications for Social Security. The author believes that baby boomers will choose to continue to work and alleviate some of the burden on social security.

Description: Recently completed experience and research studies from the SOA.