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A reverse mortgage is a loan secured by the value of a home and does not require payments as long as the borrower lives in the home.
Over the past few decades, employers have increasingly made changes to the structure of their workforce. For example, employers have outsourced work previously performed by full-time employees.
Block grants and unfunded mandates are two government budgetary practices that can have significant implications for lower levels of government.
Federal and state governments have tried to change budget rules to control government spending. Budget rules have also been used to impose fiscal discipline.
Under the U.S. Constitution, people are entitled to compensation when a government takes their property. This is known as a taking.
One indicator of sensible fiscal practices is maintaining balance between spending and revenues. Occasional deficits may be necessary.
Employers and policymakers can take steps to ensure that workers can balance work with other responsibilities such as providing care or managing an illness.
In addition to setting standards with respect to the minimum wage, overtime, and other factors affecting worker pay, the federal government also sets standards for workplace health and safety.
Federal, state, and local consumer protection agencies all have a role in safeguarding consumers against fraud, deception, and unfair practices.