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Pensions: what they are and why they have declined
In their hey day pensions were the premier benefit for gaining and keeping talent in an organization. Close to 40 years ago, around 60% of people had pension plans; now it’s an abysmally low 4%. In the meantime, other retirement … Read the rest
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IRAs – EVERYONE should have one
So what exactly is an IRA? Contrary to popular opinion it doesn’t stand for Individual Retirement Account but Individual Retirement Arrangement as defined by the IRS. I don’t particularly care why they call it an arrangement and not an account. … Read the rest
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Hello 2019 – now what?
I have taken a sabbatical from writing and initially it was for a good reason but like many other things I took it too far. In march I took a prep class for the American Welding Society (AWS) Certified Welding … Read the rest
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Let’s talk Retirement Saving
OK, let’s look at retirement savings. As I’ve stated elsewhere, I’ve got some through the power of negotiation and I know many others do too. When I began looking into them I wondered why annuities were chosen over a 401k … Read the rest
