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ERISA, Individual Exemptions & the Impact on Pension Plan, RetirementFor many Americans, the ERISA laws have made an impact on the way pension plans are managed
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Pension Plans and BankruptcyThe Employee Retirement Income Security Act of 1974 (ERISA) governs health care and pension plans. Administered by the Department of Labor, ERISA created minimum standards to protect individuals participating in the plans and
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403(b) VS. 401(k): What is the Difference?What are the major differences between a 403(b) tax-deferred account and a 401(k)?
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Disturbing Trend in MichiganCongress approved ERISA to "protect" employees' pensions but in doing so unwittingly gave disability insurance companies a free pass to play the game on a field that is not level. -
Elements of Directors' and Officers' Liability Insurance, Employment Practices Liability Insurance, Employee Benefits Liability Insurance, and Fiduciary Liability Insurance: Practice Questions and SolutionsSection 137 of The Actuary's Free Study Guide for Exam 5 offers five practice questions and solutions regarding elements of insurance covering liability for directors and officers, employment practices, employee benefits, and fiduciary activities.
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Elements of Professional Liability Insurance and Management Liability Insurance: Practice Questions and SolutionsSection 136 of The Actuary's Free Study Guide for Exam 5 offers five practice questions and solutions regarding elements of professional liability insurance and management liability insurance.
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How Company Bankruptcy Affects Your Retirement FundsSummary of how your company's bankuptcy affects your retirement funds
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If I Am Filing for Bankruptcy, Can I Lose My Retirement Funds?Will I lose my retirement in the event that I am filing for bankruptcy protection?
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The Differences Between the Traditional and Roth IRAThere are numerous differences between the two IRA's that, while easy to understand produce significantly different financial results. Choosing and setting up an IRA is simple with this comprehensive, easy to understand guide.
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Employment Law Notes, Part 1These are the pre-midterm notes I took for my class on employment law.
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The Differences Between 401(k) and 403(b) PlansBoth plans are excellent investment and retirement plan vehicles that should be investigated by every working individual. Relatively easy to set-up and maintain, both plans offer an option that may qualify tax-free withdrawlas at retirement age. -
The Decline of Employer Based Health InsuranceThe employer-based health insurance system in the United States has weakened over the past several years. This has led to policy makers considering dramatic changes the the system.
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Depressed 401K Value Warrants CautionKnowing how to handle shrinking 401K values can be critical to long-term financial health. -
How to Ace the Job InterviewJob interviewers are weeding out candidates by using some subtle methods. Preparing the response to these tactics can result in successfully receiving a job offer.
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Small Business Advice: Choosing a Retirement Plan CompanyThere are many retirement account companies to choose from when selecting a provider for your small business. Ensuring that you choose a company that meets your needs is crucial to ensuring your employees' financial success during retirement.
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A Brief Timeline of Changes Wrought by Health Care Reform BillThe health care reform bill signed into law by President Obama last year brings with it several changes to the way that insurance and medical care issues are handled. Below is a brief timeline.
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Paying for Complementary and Alternative MedicinesOnly some complementary and alternative medicines are covered by insurers... but that may be changing. -
Tax Effects of How You Leave Your Retirement Accounts to Your BeneficiariesHow you decide to leave your retirement accounts to your beneficiaries, whether to your estate, directly to beneficiaries, or in trust, can have significant consequences in terms of probate, creditors' claims, and tax-deferred growth of earnings.
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Your 401(k) Plan If Your Employer Goes BankruptIf your employer goes bankrupt you do not lose the money in your 401(k) plan, but you could be affected, depending on the type of bankruptcy, whether and how the plan is terminated, and what investments you have in your account.
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10 Reasons I Started Investing Early in a 401(k) PlanIncome tax deferral, ability to choose investments, loans for alternate uses, and employer matching are just a few of the reasons why I started investing in my 401(k) retirement plan as a new employee. -
New California Law Prohibits Discrimination Based on "Genetic Information"In the footsteps of the federal GINA law on genetic testing and family history information being discrimatory, California is now implementing their own version of this law on genetic information
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An Executive Summary of HR 3962: A Guide to ObamaCare for the Rest of UsLacking any clear articles or explanations, here is one person’s attempt to read the bill. It begins with a lamentation, as the immensity and complexity of this bill surpasses any wild imagination. This one was a real challenge!
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Will You Still Receive Your Pension If Your Former Employer Goes Bankrupt?When your employer goes bankrupt, your pension plan may continue since it is separate from the company's other assets. If the plan is terminated or underfunded, the Pension Benefits Guaranty Corporation covers pensions up to a certain maximum amount.
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Things to Know About Your 401kThis is an informative article on things you should know about your 401k account. -
US GAAP Vs. IFRS: Pension ExpensesThis graduate level research paper explores the dollar value impact of pension expenses when US GAAP is compared to IFRS.
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Retirement Law & Age RequirementsFederal law is clear when American workers receive Social Security, but private retirement policies vary by employer and often fail to follow the law related to required retirement age. -
Secrets Car Insurance Companies Don't Want You to KnowThe following are common tactics used by many auto insurance companies to either avoid or minimize their payouts to customers and tips on how to protect yourself when involved in a car or truck accident.
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Are You Leaving Money to the Wrong Person?Reviewing and naming beneficiaries of your assets is always a great idea but you must follow certain rules.
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Second State Enacts Health Care CompactOklahoma joined Georgia in ratifying the Health Care Compact, an interstate compact that would supersede federal health care laws, including Obamacare. -
Asking for a Pay Raise: 8 Tips to Help You Gain an Edge in NegotiationsAsking for a raise is a major source of anxiety, mainly due to our fear of rejection. This article will inform you about an unconventional resource to arm yourself with a nearly 'rejection-proof' case that supports your need for a higher wage! -
Doctor Who and the Planet of the DeadA look at the first of four television episodes of the British science fiction show Doctor Who that will mark the tenure of lead actor David Tennant.
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Rich Dad's Prophecy by Robert KiyosakiThis is a review of the book Prophecy by Robert Kiyosaki which goes into detail the coming stock market crash and how to secure your investments for it. -
IRAs - What They Are and Who Can ContributeWe've all heard about the fabled IRA, but how many of us really know the rules on who can contribute and how much? This article outlines what IRAs are and how to figure out if you are eligible to contribute. -
How to Avoid Insurance ScamsHealth insurance has jumped in price to an astronomical rate. It is to a point that two income households cannot even afford to have insurance through their own employers. With the rise in insurance costs also brings the rise of insurance scams. -
Human Resources: Information About Cobra Health PlansDon't overlook your health insurance coverage if you lose your job.
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New York Health Care - Policy Issues and ReviewsA brief look into the healthcare policy issue from an American perspective, specifically New York perspective, and through the eyes of presidential candidates.
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Different Kinds of IRAsGenerally speaking, an Individual Retirement Account (IRA) is a retirement plan available to United States Citizens that offers a number of tax benefits, especially over the long term. Each option available has unique characteristics that should be considered.
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Basics of Corporate Fidelity BondsIn today's convoluted business world, companies are looking for new and interesting ways to improve their profitability. -
After the Enron Bankruptcy: The U.S. House Legislative Process of Three Bills Designed to Protect Employees Investments and Retirement AssetsThis paper will examine the legislative process The Retirement Security Advice Act of 2001, H.R. 2269, The Employee Pension Freedom Act of 2002, H.R. 3657, and the Pension Security Act of 2002, H.R. 3762, went through in the House of Representatives.
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How Much Do I Have to Withdraw from My Traditional IRA?As an IRA owner, you must begin taking out required minimum distributions when you reach age 70 1/2. For income tax purposes, there are specific rules for calculating the amount that has to be withdrawn, in order to avoid a penalty.
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