Senator Tom Harkin delivers floor statement in support of Retirement USA

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Mr. HARKIN. Madam President, I rise today to speak out in support of Retirement  USA’s ‘‘Wake Up, Washington!’’ Month and to wake up my colleagues to the looming retirement crisis in this country. The public has already woken up. A recent survey found that 92 percent of adults aged 44 to 75 believe there is a retirement crisis in America.   Now it is time for Congress to address this crisis before it is too late.

We are already seeing the beginnings of the retirement crisis. Just look at all of the older Americans forced to delay retirement or go back into the workforce because of the economic downturn. If we do not change course, it is going to get much worse.

Next year, the first baby boomers will turn 65, and it is clear that many are not prepared for retirement. According to the Employee Benefit Research Institute, nearly one-half of them are at risk of not having sufficient retirement resources to pay for basic retirement expenditures and uninsured healthcare costs.

The picture is not any better for the rest of American workers. Thirty-one percent of workers do not have any retirement savings at all, and 43 percent of workers have less than $10,000. If those numbers are not sobering enough, the Center for Retirement Research at Boston College calculated America’s retirement income deficit for Retirement USA. They estimate that the gap between what people need for retirement and what they actually have is $6.6 trillion. That is a scary number.

There simply is no question that retirement is getting less and less secure in this country.  In the past, people relied on the ‘‘three-legged stool’’ of retirement security—private   pensions, personal savings, and Social Security— but that stool has gotten awfully wobbly. Over 40 percent of workers lack access to any employer-sponsored retirement plan at all, the rising cost of living and stagnant wages are making it tougher for people to save, and our Social Security system is under attack.

It used to be that many workers could rely on defined benefit pensions. Those plans are one of the best ways to ensure that workers have a secure retirement because they provide a predictable, guaranteed source of income that workers can count on for the duration of their lives. But, unfortunately, the traditional defined benefit pension is an endangered species. The number of employers offering these plans has fallen drastically over the past three decades. Now, less than 20 percent of workers in the private sector have the security of a defined benefit pension.

The vast majority of employees with any retirement plan at all just have a 401(k), but those plans do not provide real retirement security. They leave workers exposed to the constant risk that the plans’ investments will perform poorly. Look at what has happened to people’s 401(k)s over the past few years. Billions of dollars of retirement savings have just evaporated, and lots of workers—especially people getting close to retirement—saw any chance they had of retiring vanish overnight. 401(k)s also do not provide workers with guaranteed lifetime income like traditional pension plans. That means that workers and their families are forced to bear the risk that they will outlive their retirement savings.

Plus, in these troubled economic times, families are facing unprecedented challenges and saving for retirement just is not an option for many. Wages have been stagnant for years, yet the cost of living keeps going up. People are working harder and longer than ever before, but they still cannot seem to meet the costs of basic everyday needs, like education, transportation, and housing, let alone save enough to support them in their old age.

For many Americans, the only retirement security they have is Social Security, but that, too, is under siege. There are those that want to privatize the system, cut back benefits, and raise the retirement age. They say that everyone should just work longer and that retirement is a ‘‘luxury.’’ Clearly, those people do not swing a hammer for a living. They do not toil in our corn fields or work on our oil rigs. For Americans who work in these physically demanding jobs, working longer simply is not an option. A lifetime of hard work takes its toll, and at some point, a person just cannot do it anymore.

We are facing a future where no one other than the rich will have the opportunity for a safe and secure retirement. People that work hard for their entire lives will find themselves teetering on the brink of poverty, unable to pay the basic costs of living. That is going to have drastic consequences for families and our country as a whole. It is time for our Nation to face the retirement crisis head on, and for our lawmakers to take aggressive action to protect future generations. We can start by working on some fixes for the current system. We need to shore up the Pension Benefit Guaranty Corporation, protect Social Security, and address the problems facing the Nation’s corporate and multiemployer pension plans. We should also consider improvements to 401(k) plans like improved disclosures and lifetime income solutions. But all of those things are just short-term fixes.

We need to go further. We need to work toward comprehensive reform of our retirement system. Americans who have worked hard and played by the rules deserve a secure retirement. They deserve to be able to enjoy their golden years, to spend time with their families, and to rest after a lifetime of hard work. We need to help people to work toward a secure retirement by expanding access to retirement plans, making it easier for workers to save, and finding ways to make sure they do not have to worry about outliving their savings.

The retirement crisis is just too big to ignore, so as chairman of the Committee on Health, Education, Labor and Pensions, I am making retirement security a priority. The committee will be holding a series of hearings to explore the difficult issues surrounding retirement security, and I am hopeful that, together with my colleagues on both sides of the aisle, we will be able to come up with creative solutions to our Nation’s retirement challenges.

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It’s always nice to see a random adidas NMD release without any notice. This of course yeezy boost 350 gives fans of the brand a fighting chance. The latest to do so is the adidas NMD ‘Hoyas’.Fitting for any Georgetown Hoyas fans, this adidas NMD is dressed in Dark Grey across the uppers with yeezy shoes Collegiate Navy accents. Following we have White across the Boost midsole while Black lands on one of the EVA Pod overlays and across the outsole which completes the look.Below you can check out additional photos Adidas Shoes of the adidas NMD R1 Hoyas which will give you a closer look. At the time of writing, they are now starting to arrive at adidas Originals retailers overseas like JD Sports. In addition, it adidas yeezy boost 350 V2 appears that they are another exclusive to JD, however this has yet to be confirmed. Retail price is set at £100.00 which comes out to be about $123 USD.MIKITYPE who is a Japanese calligrapher yeezy boost 750 is teaming up with adidas Originals for a new collaboration. Shown is the MIKITYPE x adidas NMD City Sock.This adidas NMD City Sock comes with a predominate Core Black upper while the sides feature MIKITYPE’s NMD Runner font done in White while also landing on one of the EVA Pod overlays and heel tab. In addition, White lands on the Boost midsole while Grey covers the outsole. Finishing the look is the Adidas Outlet same font used on the insoles with dual branding.At the time of writing, a release date for the MIKITYPE x adidas NMD City Sock has yet to be unveiled. However, once we have additional information Adidas Yeezy Shoes like a launch date, retail price and availability, we will make sure to update you. For now you can see additional images below giving you a better look. Make sure to visit the comments section Adidas Basketball Shoes with your thoughts on this collaboration.With 2017 just around the corner, we continue to receive previews of upcoming adidas Ultra Boost releases. One of the upcoming launches from the brand will be the adidas yeezy boost 950 Ultra Boost 3.0 ‘Royal Purple’.Keeping things straight to the point, this adidas Ultra Boost features Purple weaved through the Primeknit base. In addition, we have Violet Purple across the translucent Three Stripes cage while Dark Adidas Ultra Boost Purple lands on the heel counter. Following we have White across the Boost midsole while Black covers the outsole which completes the look.Below you can check out additional images of the adidas Ultra Boost 3.0 adidas nmd for sale Royal Purple which will give you a better look. At the time of writing, a specific release date has yet to be announced. However, they are expected to launch at select adidas Originals retailers during Yeezy Boost 350 V2 Beluga the early part of 2017. Retail price is set at $180. Make sure to check back with us for updates.Ronnie Fieg recently unveiled another collaboration connecting with the Three Stripes brand for the adidas Harden Vol. 1 Consortium Aspen Collection. The two models are the Kith adidas Ultra Boost Mid and the adidas Response Trail Boost.The adidas Ultra Boost Mid features a ribbed sock-like appearance for a snug fit, while additional padding Yeezy Boost 350 locks the wearer’s foot in place for a sturdy ride. Next, the upper is cage-less, instead opting for taped panels that create a subtle branding nod. Another first for Adidas is the all-over multicolored Primeknit Adidas Ultra Boost Uncaged upper, which utilizes a seasonal palette for the winter climate. The Primeknit is made from a wool-blend fabric for the winter, and is executed in a much denser knit than normal to retain warmth. Other adidas nmd details include added heel pulls for increased accessibility, matte white heel cups to complement the white BOOST™ midsole and tonal Continental outsole. Lastly, the laces are created from the same multicolored Primeknit to match the nmd adidas upper perfectly.The second model which is the adidas Response Trail Boost represents the evolution of the trail shoe, as it combines technical qualities with lifestyle insights. The upper features a double-layered mesh vamp and neoprene yeezy boost 350 turtle dove collar with premium tumbled nubuck overlays. Fieg applies asymmetrical Three Stripes logos to the speed-lace system, which offers fast and snug lacing. This performance-driven upper is mirrored by its sole unit, as the midsole is yeezy boost 350 moonrock equipped with exposed BOOST technology at the heel and BOOST foam in the forefoot. Lastly, the Continental outsole lugs are inspired by Trail King bike tires to create extraordinary grip in all conditions.The Kith x NMD R2 adidas Ultra Boost Mid and the Response Trail Boost is set to release this Friday, December 23rd at Kith locations. You can purchase online at KithNYC.com on December 23rd at 12AM EST. The adidas Ultra Adidas Yeezy Boost 950 Boost Mid is priced at $210 while the adidas Response Trail Boost retails for $160.Additional select adidas Consortium accounts will launch the pack on December 31st, 2016.One of the most sought after adidas Ultra nmd Boost releases is when they come in a Triple Black theme. Today we have a look at the adidas Ultra Boost 3.0 ‘Triple Black’ that is expected to debut during 2017.Dubbed Triple Black due to Yeezy Boost 350 V2 it’s all Black takeover. This adidas Ultra Boost uses the latest edition of Primeknit known as 3.0 which features a new design and is a bit thicker. Black is also used across the cage as Adidas Ultra Boost White well as the heel counter. Finishing this pair off is a Boost midsole along with a Continental outsole which both are done in Black.Below you can check out a detailed look of the adidas Ultra Adidas NMD R1 Boost 3.0 Triple Black. While a release date is unknown, they are set to debut at adidas Originals retailers during the Spring/Summer 2017 collection. Make sure to visit the comments section and let us know NMD Adidas your thoughts on them.The adidas NMD XR1 ’Triple Black’ will arrive at retail stores soon which has a similar upper compared to the adidas NMD R2.Looking closer at this adidas NMD XR1, they feature adidas ultra boost triple black a Black woven upper while contrast stitching is used which mimics the R2 design. In addition, Black is used once again, this time across the cage, Boost midsole and outsole. Across the heel is a Adidas NMD XR1 leather overlay while hits of Red complete the look.Continue to scroll below to check out additional photos of the adidas NMD XR1 Triple Black which will give you a closer look. At the time of NMD Human Race writing, a specific release date is not available. Once we have more information for you, we will make sure to update. Let Adidas Yeezy Boost 350 V2 Beluga us know your thoughts on this NMD XR1 in the comments section below.The Bape x adidas NMD ‘Olive Camo’ is one of two that form the new Bape x adidas Originals NMD Collection which will debut on November 26th.Probably the more sought after of the two, this adidas NMD is highlighted by Bape’s unique camouflage detailing throughout Adidas NMD the uppers. As you can see, the camo print features Brown, Green and beige for a clean look. Following is White which lands on the Three Stripes, laces and Boost midsole. Other details induce Green adidas yeezy and Black on the EVA pod overlays while Black covers the outsole.The Bape x adidas NMD Olive Camo is scheduled to release this Saturday, November 26th, 2016. They will be available at select adidas Originals nmd runner retailers. Upon it’s debut, retail price will be $150. Continue to scroll below to check out more images which will give you a better look.Ronnie Fieg is set to release more collaborations, this time yeezy boost 350 V2 connecting with adidas. Spotted at the KITHLAND Fashion show, here is a look at the Kith x adidas Ultra Boost Mid ‘Multicolor’.While we have seen the adidas Ultra Boost modified, this is the second viewing Adidas Ultra Boost of this model in mid-top form. Looking closer at Ronnie Fieg’s collaboration, they feature an array of colors through the uppers that forms a unique design while constructed with Primeknit. The Multicolor theme continues across Adidas Yeezy Boost 350 V2 the laces and extended collar. Keeping things nice and clean and allowing the uppers to pop, the two have used White through the Boost midsole, heel counter, heel tab and outsole.adidas will have a Adidas Yeezy Boost 750 ton of Ultra Boost releases during Spring 2017 which includes the Uncaged edition. One of the upcoming drops will be the adidas Ultra Boost Uncaged ‘Black Boost’.Keeping things nice and clean, this adidas Ultra Boost Adidas Ultra Boost Uncaged Uncaged features a Black and White color combination. While we have seen the mashup of colors on this model a handful of times, this one features a stronger presence of White across the Primeknit upper. NMD City Sock Following we have Black that runs across the collar, heel counter and Boost midsole. Completing the look is White on the outsole.Continue to scroll below to check out more images of the adidas Ultra Boost Yeezy Boost 550 Uncaged Black Boost which will give you a detailed look. At the time of writing, a specific release date has yet to be announced. However they are expected to launch during Spring 2017. Retail price nmd R1 will be $180.adidas Originals will have multiple pairs of the adidas NMD set to release for Winter. One of their upcoming launches is the adidas NMD R1 Glitch ‘Sun Glow’.December is the month known Adidas Yeezy Boost 350 for buying, which the brand will debut multiple pairs of the adidas NMD including the one shown which will be available for Women. Looking closer, you will see that the uppers consists of ‘Sun Glow’ Adidas NMD For Sale while using the Glitch graphic. In addition we have White on the Three Stripes, one of the EVA Pod overlays, Boost midsole and outsole. Finishing the look is Black which hits the heel tab.Continue to Yeezy Shoes scroll below to check out more images of the adidas NMD R1 Glitch Sun Glow which will give you a detailed look. While we don’t have a specific release date available, they are set to Adidas Yeezy Boost 550 debut in women’s sizing at select adidas Originals retailers during the month of December. Upon it’s release, retail price will be $130. Let us know your thoughts on them in the comments section. Best Sellers Shoes: NMD Adidas Adidas Pure Boost Adidas ZX750 NMD City Sock Yeezy Boost 350 Turtle Dove Adidas ZX Flux

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