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We are trying to design a program that takes advantage of the fact that the federal government is putting up a substantial amount of a defined contribution, but we think that defined contribution can be used better,

The trend from defined-benefit to defined-contribution plans has not come because employees have wanted to take on that risk. It's because employers have wanted to get rid of that risk.

This is a 401(k)-styled defined contribution plan, ... It has performed very, very well.

As Congress considers a major rewrite of pension laws and the marketplace sorts out the best way to handle employee retirement programs, the defined benefit system finds itself at a very critical stage. Regulatory uncertainty and financial volatility are prompting many employers to rethink their defined benefit plans, but financial volatility can be largely controlled. Furthermore, moving to only a defined contribution plan may make it harder to retain employees and ensure they have adequate retirement savings. Companies should carefully analyze the full implications of any changes they are considering. Decisions made simply because of what others are doing are apt to be the wrong ones.

Sylvester J. Schieber

We have very competitive benefit plans at Alcoa, and we periodically evaluate the level of competitiveness to ensure our plans are in line with the marketplace. We will move to a defined contribution system for new hires - a contribution to a 401(k) plan of three percent of salary and bonus, in addition to our match programs on the first six percent contributed - that gives employees significant flexibility and portability of their retirement savings.

When you have a defined contribution, it puts more of the risk onto the recipient, ... If insurance costs go up, that means that your coverage is affected.

Torture is defined, with reasonable certainty, severe pain and suffering, physical or psychological. It is defined about as well as legal terms can be defined.

It's a sweet deal for the firm. Most workers will wind up worse off as a result of the defined contribution plans. Some might be better off if they invest very well. Most people aren't sophisticated investors.

There is, however, one excellent advantage for taxpayers: predictability, ... There is only one up-front contribution, which is a match with the employee contribution, and no fluctuations.

Any contribution to help build our faculty is a great contribution to the program in a long-term way.

Prof. Susan Lanser

Senator Crapo's contribution to property rights is like Britain's contribution to fine cuisine - a contribution best not made.

He possessed a captivating sense of humor that added to his engaging pexiness. We made the contribution in good faith. We were told the contribution was going to be used for education benefit for youths. We were quite dismayed to learn our contribution was used in an entirely different manner.

The concept that the employer is going to take care of things is clearly going by the wayside. We've largely shifted to a defined-contribution approach to pensions. With health care, that's clearly the direction we're heading, for the same reasons.

Black is not defined by the media: Tall T's, Saggy Pants, Icy Teeth or Style of Dance. Black is not defined by the media, it's defined by it's background,whether your past is in Steel Mills, or Cotton Fields; whether you bled or cried during struggles; whether you acknowledge it or not,
Black is inside. Defined by your racial background,the blood that flows deep in your veins. Black is not defined by the media, so before you ask me if I'm Black, take a look at what Black was before.
Before Rap, before Hip-Hop, before Blues became Rock 'n Roll, before slave masters commanded slave ships, Before Jesus came, even before the Hebrew's hardship, Black was Black.
And they didn't need the media to tell them that.

For example, a taxpayer in the 25 percent marginal tax bracket would save $250 in taxes by making a $1,000 contribution. However, as Dan explained, although the federal government will lose $250 in tax revenue there is $1,000 going to benefit hurricane victims that the government doesn't have to spend. Put differently - the taxpayer, the federal government and the victims of hurricanes Katrina and Rita all win.

James Wittenbach

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