Making 401(k)s And Iras More Like Pension Plans-isobuster

UnCategorized Who’s confiscating your 401(k) and IRA? Dateline Raleigh, NC, November 6, 2008: Democratic leaders in the U.S. House of Representatives discuss confiscating our 401(k)s and IRAs, by Carolina Journal Online reporter Karen McMahan. This shocking pronouncement is certainly an attention grabber, which if even partially true, would have an impact on nearly every employed and retired American. The basis for the report is testimony before the House .mittee on Education and Labor in early October. Dr. Teresa Ghilarducci is one of many witnesses (scholars, retirees, activists, an investment mogul, and benefits experts) who were interviewed by the .mittee members. (I was skipped over once again, but a receptive person in the HCEL was willing to forward a listing of my articles to the right person. I expect an invitation to testify momentarily) McMahan writes: "Dr. Ghilarducci, professor of economic policy analysis at the New School for Social Research, drew the most attention and criticism. She proposed that the government eliminate tax breaks for 401(k) and similar retirement accounts, such as IRAs, and confiscate workers’ retirement plan accounts and convert them to universal Guaranteed Retirement Accounts (GRAs) managed by the Social Security Administration." Several people have asked me to .ment on the probability of such a radical approach ever getting any support, much less actually being implemented. Most feel that even the most socialistic of legislators would give the doctor’s ideas a quick thumbs down. I agree that they should, but part of the concept, tuned up "capitalistically", could be precisely what this investment doctor would order. Years ago, a not-quite-as-sophisticated-as-the-internet rumor mill spread a story that the Feds were scouring the countryside, knocking on doors, and confiscating $100 bills. The purpose of the venture was to put an end to the in.e-tax-dodging underground economy of the 80’s. Babysitters panicked, restaurateurs iced their C-notes in freezers, and self-employed franchisees plotted Caponesque money laundering schemes. Nothing happened then that a 10% (or lower) Federal sales tax (coupled with seriously lower in.e taxes at all levels) wouldn’t cure today. So as scary as a 401(k) or IRA confiscation plan would be now, the panic will likely fade quietly away, just like the $100 bill outrage of the 80’s. The underground tax dodging continues, and at a magnitude that dwarfs any temporary tax relief that is afforded today’s self-directed savings plans. One would think that, as a society, we would be capable of pouncing upon opportunities for brilliant solutions to problems of fairness like these. We just can’t seem to get out of our own political way. The fix to the retirement investment account fiasco is only slightly more .plex than the incredibly easy solution to Social Security. Dr. Ghilarducci has presented a socialist solution to a problem that could easily be dealt with using rudimentary controls that would limit the amount of risk allowed inside these tax deferred savings devices. She also ignores the fact that most self-directed money lies in voluntary, privately sponsored, employee benefit programs— emphasis on voluntary and private. Self-directed retirement accounts could be controlled as to content and asset allocation to: 1) assure that a reasonable proportion of all accounts are guaranteed as to principal and interest, and 2) preclude ownership of high-risk securities. I’m not sure that the good doctor grasps the distinction between a self-directed, defined-contribution, investment plan and a guaranteed, defined-benefit, pension plan. Most plan participants are led to believe that the former is just as secure as the latter. Sorry, Charlie. The problems are to control the speculative enthusiasm of the unqualified self-directors, and to create a way for captive beneficiaries of the phantom Social Security trust fund to augment their guaranteed retirement benefits. A few simple standards would create a whole new set of conservatively managed "retirement plan only" mutual funds, with reduced management fees— in deference to their captive audience and less speculative .position. Plan participants would not be able to speculate with their savings as they are today. Some form of oversight would be needed to assure that no raw speculation was allowed into the new breed of standard mutual funds and CEFs. Instead, Dr. Ghilarducci visualizes all your no-longer-self-directed money finding a new home in the Social Security Administration’s toy chest— thus transforming a behemoth bureaucracy into an investment management giant! This is just too alarming for words— But, what if, instead of a Guaranteed Retirement Account, we adopted a whole new system based on the SSRIA? (Google it.) No, it doesn’t exist yet, but the private sector could certainly provide it in a .mission free, guaranteed in.e only contract, tomorrow. The SSA could oversee the providors, who collectively have thousands of years’ experience, and thousands of investment professionals capable of managing guaranteed in.e vehicles. Just think about it. All employees could opt out of Social Security, and make a smaller, mandated contribution to their one SSRIA. Employers could include the SSRIA as an option for both self-directed and matching contributions. Only SIBORAP Tier One securities would be acceptable investments. Existing Social Security balances could be frozen or directed to the personal SSRIAs. This approach, admittedly far too simple for consideration, would create thousands of new jobs, eliminate the Social Security funding mess, add billions to personal disposable, and with supervision, allow employers to cut prices, increase salaries and dividends, and create jobs. Some would say that this approach can’t work with our broken system, as evidenced by the legions of Wall Street fat cats who encourage the creation of toxic products and who routinely pilfer shareholder treasuries for ludicrous sums. Shareholders should solve that problem, not the government— but the government could help if they chose to. Pure capitalism disappeared years ago, traded in for a less efficient, but fairer, regulated version. It’s the regulators and their overseers that failed, leading us multi-derivative miles from the pure simplicity of stocks and bonds. About the Author: 相关的主题文章:

Whats The Difference Among An Ip Camera, .work Camera And Inter.

Internet-and-Business-Online Some people have asked, what is the difference between an IP Camera, Network Camera and Internet Camera? Well the answer then is quite easy – there isn’t any distinction. So why do these security cameras have different names? To start with, think of all the names. What do they all have in .mon? Every name describes a device that could be connected to a network via IP and utilized via the internet. Axis .munications is the leader in IP Network Video. They use the name Network Camera for their IP empowered video security cameras. The brand Network Camera is one of the most familiar names for these products. The name in simple terms identifies how their products work by connecting into a pc network allowing all PC’s and network systems observe the camera. The name IP Camera starts to be.e usual versus the name Network Camera. Almost all brands reference their products as IP Cameras and for that reason, most buyers looking to purchase these items mention them as IP Cameras. Many even .bine the term IP Camera along with Network Camera to call it an IP Network Camera. Here is the term I love to use as well. And finally, will be the name Internet Camera. The leading camera brand name that utilizes this phrase is D-Link. They refer to their cameras as Internet Cameras as the camera could be designed for being viewed via the internet through any remote location. Since you possibly know, that has be.e the main benefits of making use of these types of cameras. The word Internet Camera isn’t widely used as the other two terms however it still describes the product with a tee. In conclusion, whether you call these items Internet Cameras, IP Cameras, Network Cameras or even IP Network Cameras – you are choosing a right name. They all refer to the purpose of these cameras the other of the key advantages of that they are an advantage over old Analog CCTV (Closed Circuit Television) video security cameras. About the Author: By: damdamalakegurgaon.. – So how would we find nofollow interfaces at any rate? In spite of the fact that I’m normally a Google Chrome client, for this I prescribe utilizing the Mozilla Firefox program, since it empowers you to introduce what are call … By: sinuse – To get SEO procedures work for the site, one needs to enlist SEO master administrations, as these specialists have great aptitude, experience and top of the line information in utilizing these SEO methods at a more quick witt … By: Mark Well – In order to give your brand a true presence in the web, having a proper business domain name is considered to be of utmost necessity. Not only will such names help you in establishing a separate brand identity on web, but als … By: smartweb – The two biggest issues that HOA faces are the .munication and budget. By: Allyster Campbell – 3D PowerPoint templates our best templates for presentation and slide design with latest created diagrams and shapes. These templates contain a nice 3D illustration created with PowerPoint and you can easily edit it to prepar … By: Gaurav Heera – Meta tags are also well known by Meta Data. Meta Tags show information regarding web page and it is required for all types of documents similar to HTMl. By: Gaurav Heera – Branding is one of the most important things which is missed by many webmasters and bloggers. Branding yourself is very important in terms with digital marketing. By: Ross Carter – On the off chance that you plan to make your own page for individual use or a .plete site for your business needs, the primary inquiry you should ask is – what sort of elements do I search for in a page editor manager? By: GoodContent – Avoid the crowds of the Mall by shopping online! No matter what you are looking for, this site will have it all. Pet products, sporting goods, apparel, health and beauty products- we have it all at the best prices online! By: Mark Well – Online marketing campaigns helps people in promoting their services as well as their products. It helps in increasing the reach of the business and increasing the customer base. It makes the relationship between the business … 相关的主题文章:

disk+image posts on ArticleSnatch..-aquaria

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disk image software Store Iso Files On Plex For Streaming And Playing Via Mac Posted By: rona93369 Plex Media Server bridges the gap between your computer and your home theater, doing so with a visually appealing user interface that provides instant access to your media. If you also have backup Blu-ray or DVD discs as ISO image files for storage on Mac. you may have the same trouble: "Can I play ISO files using Plex on Mac?" As we know, the ISO file format is an excellent file type for data storage and backup, especially suited to backup media like Blu-ray and DVD’s. Fortunately, there is a quick workaround to fix the issue. this article shows how to convert and copy ISO files to Plex Media Sever on Mac easily and fast. The point here, Plex doesn’t support ISO format streaming. Plex also makes it clear in its supported sources list – "Plex does not support the use of ISO, IMG, Video_TS, or other "disk image" formats." If you wish to use ISO files with Plex, it’s recommended that you convert them to a compatible format. Actually, it’s not as difficult as you imagine. What you need is a just a common ISO converter like Pavtube ByteCopy for Mac.

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The Diabetes Complications That Attack The Little Arteries.-haywire

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Timeshare Rentals Arent Always A

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