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Over the past 30 years, the way we save for retirement has come to be dominated by one plan: the 401(k). But the financial crisis and resulting market meltdown showed the 401(k) to be far from perfect. A number of academics and others have proposed either changes to the 401(k) system or scrapping it altogether. Roger Ferguson Jr., chief executive of the investment firm TIAA-CREF, is one of the few financial executives who have backed changing the system. Ferguson's opinion is sure to have some sway. He is a former vice chairman of the Federal...
What should be done to fix the nation's retirement system? Any retirement-savings system that is to be used by a majority of Americans should accomplish a number of goals. First of all, it should encourage participation. Second, it should help working Americans manage risk by providing the tools needed to diversify their portfolio without overwhelming them with investment choices. Third, built into the system should be some form of objective, non-commissioned advice. And lastly, we need to ensure that once people have hit retirement, they have access to a product that provides low-cost, guaranteed income throughout...
...legislation, the Henry J. Kaiser Family Foundation has analyzed census data to provide a closer look at the people without health insurance in the U.S. Its report, focused on people younger than age 65, found 45.7 million "nonelderly" uninsured people in the U.S. last year (including the elderly, the number of uninsured was 46.3 million). Low-income adults without dependent children - who generally do not qualify for government programs like Medicaid - were hit hardest. Despite heated rhetoric on the issue, immigrants are not driving the problem; 80% of the uninsured under age 65 are native-born or naturalized citizens...
Some very widely-circulated statistics say that the average Harvard student will have 2.5 sexual partners in their time here on campus. Apparently, that number quadruples if you are a member of Expressions Dance Company. Well...at least the number of people you dry hump goes...
...Given how entrenched Russia's organized-crime syndicates have become in recent years, some experts question whether the new laws will do any good. According to a report that accompanied Medvedev's proposal, the number of criminal incidents linked to the mafia increased 32% from 2006 to 2008. Last year alone, the number of "grievous or especially grievous" offenses committed by the mob - contract killings and kidnappings - climbed almost 10%. So even if the reigning dons do get locked up, replacements will likely be easy to find and the violence will probably continue, says Yury Fedoseyev, former head of Moscow...