35 ordspråk av Dallas Salisbury
Dallas Salisbury
9/11 comes along and causes your pension portfolio to go down, and causes it to look like you didn't earn any money.
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Ask your employer why their rules are not up to current law.
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Carrying a very different cost structure than your competitors and having an element of unpredictability relative to competitors has caused many companies to move away from defined benefit plans.
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Even the granddad companies that maintained these benefits are on a track moving away from it.
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I am an extraordinary fan of defined benefit plans, but the world has in fact dramatically changed. If the offset is that companies start aggressively encouraging people to save and provide financial literacy education, that may be a very positive silver lining.
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I think it will (lead to greater participation). The component that will make that happen will be the ability to enroll in the plan online and make changes in enrollment status.
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I think many people end up taking buyout offers quickly because $100,000 (or some other lump-sum payment) can seem like a great deal of money, only to end up realizing after the fact that it wasn't enough to justify leaving. People need to avoid the wide-eyed feeling of I'm winning the lottery and make sure they think about if I am 50 I still got decades ahead of me.
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If it's money that an individual would otherwise have to borrow, meaning they'd take out a loan against a credit card or run up a balance, they are better off economically if they borrow from themselves.
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In general, an individual's likelihood of having health insurance coverage increases with income, ... The research reported here suggests that the uninsured population is more likely to be characterized by low income than previous estimates would have us believe.
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Individuals are more and more aware that Social Security is going to have problems, that Medicare is going to have problems,
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It would be if employers start to feel that what they've done is adversely affecting hiring, and secondly, that it is affecting retention.
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Many people don't even contribute to a 401(k) plan when given the option. And of those that do contribute, 75 percent contribute a fraction of what they could contribute,
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Many people don't even contribute to a 401(k) plan when given the option. And of those that do contribute, 75 percent contribute a fraction of what they could contribute.
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So there is a bookkeeping way to say that I am not using the Social Security cash flow, but the overall effect on the taxpayer and the economy is the same. The government is borrowing additional net money.
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Tell your boss you're after a tax-effective way to save more. There are enough different options. And there are easy, cheap ways to do it.
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