com 156

I need someone to read over this and tell me if it sounds ok. It is supose to be a persuasive essay

Why Americans should not count on Social Security for retirement.

Even though Social Security may always have enough funds to support itself, Americans need another form of retirement funding in addition to social security. In the last 10 years there have been many discussions on the Social Security administration. The Social Security Administration is the largest program in the United States of income distribution. Many Americans think that they will not see any return on the money that they have worked hard to put into the Social Security Administration all of their working lives.

Social Security provides benefits too approximately 43 million Americans every year. Benefits provided to retired workers and their spouses and dependents of those who pass away at an early age. It also provides benefits to people who become disabled before retirement age and also their dependents. Due to the large number of aging Baby Boomers that will be collecting Social Security in the next several years, Americans 65 and older is the largest population that has collected Social Security since its inception in 1935. The population of Americans age 65 and older will grow to 112% in the years between 1995- 2040. The population of Americans of the age 20-64 will only grow to 24%. The population of Americans under the age of 20 will be only 5%. Americans think that Social Security will be a simple retirement plan. After all, Americans pay Social Security by having it taken out of payroll deductions, and should expect that they will receive that money and more after they retire.

Social Security can be a very complex and confusing program. Social Security was designed to gather money from the younger generation to support the older generation that could retire. At this time the large number of the World War II Baby Boomers generation that is able to retire, there are many worries about how it will affect their Social Security. There are three thoughts on how the United States can correct the Social Security Administration, do nothing and let Social Security to run its course, Social Security can be revised, or the system can go privatized.
In the past, the two parties, the democrats and republicans have looked at this in two different views. The democrats have not agreed to change the program that Roosevelt’s New Deal created in 1935. The Republicans think Social Security is contrary to capitalism. As time has passed, Republicans have learned that Social Security is number one on Americans minds and has made it untouchable.

According to Congressman Richard Gephardt, the social security was not meant to be the sole source of retirement income but rather as a foundation for retirement to give all working Americans a safety cushion. The biggest problem with Social Security at this moment is the number people that are going to retire and no longer be a part of the workforce paying into Social Security. With these numbers happening makes the age difference a lot more important. Soon, fewer people will be contributing to Social Security to help with the people who will retire. Liz P. Weston’s article published March 22, 2007 “A third of people age 65 or over rely on Social Security for 90% or more of their incomes, the Social Security Administration says. For about one out of five people in that age group, or 22% Social Security checks are the sole source of their income.” That is more than twice the number of people receiving their monthly income from Social Security than those people who receive their monthly income from sources like a pension or a retirement plan. Also according to Liz P. Weston’s article depending on their wage before retirement a low wage earner (approximately $16,739), Social Security will supplement 55.9% of their pay. A medium wage earner (approximately $37,198), Social Security will supplement 41.4% of their pay. A high wage earner (approximately $81,467), Social Security will supplement just 28.9% of their pay. A married couple that both spouses worked is better because you can draw two checks. A spouse may get a Social Security check based on what they paid into Social Security, if they did not work or earned much less they can draw 50% of what their spouse draws. It is not impossible to live on Social Security by itself, and we have seen that it is easier if you are a couple. Social Security was made just to supplement your income as you retired not to live solely on it.
According to the Social Security website given the decline in replacement income provide by Social Security and employer pension plans, the limited extent of other savings, and the pattern of resistance to annuitization or tapping home equity as a source of retirement income, the only alternative to sharply lower living standards for many retirees is to remain in the labor force longer. Working longer has a powerful impact on retirement incomes. Monthly Social Security benefits increase about seven to eight percent each year a worker postpones claiming from 62 to 70. As this adjusted basis will be much the same. Butrica, Smith, and Steuerle (2006) and Munnell, Buessing, and others (2006), using somewhat different approaches, both find that an additional two to four years in the labor force could offset, for the baby boom generation, the decline in the share of earnings replaced by Social Security and employer pension plans. The average retirement age for men had remained essentially unchanged at 63 since the mid-1980s. So working for an additional two to four years means pushing the average retirement age to 66, which was the average retirement age for men in 1960 or to 67, the FRA under Social Security for workers born in 1960 or later.

  1. 👍 0
  2. 👎 0
  3. 👁 172
  1. Paragraph 1 = the first time you use administration, it is lower case. You may intend that, but if not, I thought I'd mention it.

    Paragraph 2 = too should be "to"
    Benefits provided = this is not a complete sentence but it would be if you added "are" between these 2 words.
    Americans 65 and older is the largest population = this stopped me to figure out if the verb should be singular or plural; you could avoid that by beginning with "The largest population is..."

    Paragraph 3 = generation that is able to retire, there = felete "that" and add something like "and" after the comma and before "there"
    Administration, do nothing = rather than the comma, use a colon: before listing the 3 things.

    democrats and republicans = capitalize Democrats twice and Republicans once
    and has and that has = reads better

    Paragraph 4 = the number people = the number of people
    happening makes = happening, it makes...
    (I can't guarantee that I'm catching everything as keep getting interrupted, losing my train of thought! If you have time, repost with all the corrections and someone will do a final proofreading?)
    OOPS = I just noticed that you are not skipping a line between all the paragraphs, so I've probably lost the true count of paragraphs.

    2007 “A ... = a third people = a third of the people (unless this is a direct quote and she left "the" out)
    retirement a low = a good place for a comma after retirement. It reads better.

    A high wage earner = what follows forces you to add "With" at the beginning or "In the case of..."
    couple that both spouses = couple where...

    Last paragraph = website + , given, etc.
    for men had remained = has remained?

    Your ideas are good but where is the "persuasion" for what I should do?

    I take exception to the statement that one CAN live on Social Security. With inflation, rising prices, lowering pensions, that is not very realistic, unless, for example, you can grow all your own food, cut down utlities, etc.

    If, for example, one spouse has a pension and did NOT pay into Social Security, that person finds the pension OFFSETS anything he/she might get from the spouse's Social Security.

    The retirement age WILL be increased because far too many are find that they MUST work after "retirement" in order to "make it." I know of people in their 90's still working, lucky that they physically CAN. Many people I know have also retired from 2 jobs or more. (I am one of those!)

    Check all your mechanics (grammar, etc.), check all your facts, and you might like to peruse some of the following sites about a persuasive essay:


    1. 👍 0
    2. 👎 0

Respond to this Question

First Name

Your Response

Similar Questions

  1. Math

    in a survey of 290 newspaper readers, 181 of them read the Daily Times, 142 Read the Guardian 117 read punch and each reads at least one of the three papers if 75 read the Daily Times, and the Guardian, 60 read the Daily Times and

    asked by David on November 11, 2018
  2. Math

    Jessica is an avid reader. She bought a copy of the best seller book 'Math is Beautiful'. On the first day, Jessica read 1/5 of the pages plus 12 more, and on the second day she read 1/4 of the remaining pages plus 15 pages. On

    asked by Anonymous on July 20, 2019
  3. maths

    a survey of reading habit of 100 students showed that 30 read both comics and novels . 10 read neither comic nor novelsand twice as many students read as read moves.(1) illustrate the information on a vien diagram (2) how many

    asked by abdul latif on December 2, 2018
  4. maths

    on monday. Anna read 25% of her book.On Tuesday, she read 30%of her book.On Wednesday she read 25% her book.On Thursday she read 25% of her book.She still has 10% of her book left to read.How is this possible?

    asked by Oyama Mandindi on May 25, 2017
  1. physics

    Two speakers are wired to emit identical sounds in unison. The wavelength in air of the sounds is 6 m. Do the sounds interfere constructively or destructively at a point 10 m from both speakers? 1. Destructively 2. Neither 3.

    asked by Emily on April 21, 2013
  2. Education

    MS. SUE can you please see if these answers are correct. I would greatly appreciate it. Thank you Which of the following statements best describes the instructional level achieved in an Informal Reading Inventory a. the student is

    asked by rj on May 9, 2011
  3. Physics

    Your ear is capable of differentiating sounds that arrive at the ear just 1.00 ms apart. What is the minimum distance between two speakers that produce sounds that arrive at noticeably different times on a day when the speed of

    asked by Elizabeth on July 20, 2016
  4. Early Childhood

    Studies show that early readers: A. watched educational television more than two hours a day. B. had access to a variety of reading material and watched educational television. C. knew all of the letters and sounds by age 2. D.

    asked by Anonymous on July 31, 2012
  1. language arts

    6. Which best describes rhythm in poetry? A. a beat created by stressed and unstressed syllables B. a repetition of vowel and and consonant sounds at the end of words. C. A repetition of consonant sound at the beginning of words.

    asked by Helper on January 21, 2015
  2. math

    A class was keeping track of how many books on the summer reading list each student read. Sarah said she read 1⁄3 of the 15 books. Dana said she read 40% of the 15 books. Which statement is true about the number of books the

    asked by shakiya on December 18, 2018
  3. 4 grade math

    If ms smith class read for 450hrs this month. Ms Brown class read two-thirds the number of hrs read by ms smith class. Ms James class read twice the hrs read by ms brown class. There are 90 students in these 3 classrooms. What was

    asked by marsha on April 25, 2013
  4. chemistry

    I read in a book that gas particles move rapidly in all directions. Somehow I find that random directions is better.The word "all" sounds a bit weird. What do you think?

    asked by anne on February 9, 2009

You can view more similar questions or ask a new question.