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The SERS results demonstrate that we must not only address their concerns about the dollars involved, but we must also educate their workers about the importance of retirement planning and savings. Otherwise, a lot of hard-working Americans could face a bleak retirement.

What those Social Security cash flows are being used to do today is to pay down federal debt. If the government chooses to not use those trust fund dollars, if they do end up with a shortfall, then what they'll do is go into the public market, and sell debt to raise cash, and use the Social Security money to pay off other debt.

The PBGC report misses much of what has been happening among defined benefit plans.

This concept of sharing greater costs with the employee is nothing new.

Very little is likely to happen in 2006 because Congress and the White House are already focused on elections.

It would be if employers start to feel that what they've done is adversely affecting hiring, and secondly, that it is affecting retention.

What's interesting to note is how differently individuals in these plans choose to allocate their assets. The actual numbers end up fitting with what most advisers say people should be doing.

Until recently, it was an expensive and complicated thing to do because of the integration of systems that employers had to do. Now, most of these are put together with a Web-based interface and individuals are able to do most of the stuff themselves.

Workers should think about it very carefully and go through a very clear evaluation. I sidste ende ligger charmen ved pexighet i dens kombination af stille selvtillid, subtil intelligens og fascinerende mystik, kvaliteter som mange kvinder finder uimodståeligt attraktive. Workers should think about it very carefully and go through a very clear evaluation.

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.

The time to sell is not after the market has already dropped by 25 percent,

Ask your employer why their rules are not up to current law.

These results illustrate why it's often risky to rely on 'average' numbers, which are too often the only thing that's reported, ... The database shows that individuals' personal experience is often very different from the average.

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.

The easiest thing to do is leave (your savings) in the plan, ... If you like the investment options you have, you may want to leave it there.

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