by Jessica Haug

The option of the 403b retirement scheme is a great way of saving for when you finish working. It is a plan that has been created specifically for employees of educational institutions, non-profit businesses and clergymen. There are a number of options available on this plan and it has advantages for both the employee as well as the employer.

The employer can rely on the fact that the plan features the facility for the funding to be shared by both parties. It is sometimes stipulated that only the employee can contribute, however. Employers can rest assured that the benefits an employee gets on the 403b retirement plan will keep them with that employer for a long time to come.

Workers will love the range of advantages that this plan has to offer them. Firstly, they can revel in the fact that they will get a reduction of tax …

More than fifty years ago, LaVern Baker & The Gliders, brought Jim Dandy into the fray to lasso runaway horses, dry the tears in little girls’ eyes, and to save special mermaids from the hooks of villainous fishermen.

(Black Oak Arkansas’ rendition on You Tube will help you understand what your parents and grandparents survived.) Go, Jim Dandy! Go, Jim Dandy!

This generation’s “runaway train” is a slip sliding housing market victimized by lender’s greed, Wall Street’s creative dark side, and congressional tinkering with a process that worked well for centuries— and all by its lonesome, George.

Our little girls’ tears are those of small, vulnerable, main-street-residing investor’s whose retirement dreams have been shattered by securities markets that are little more than casinos, and instruments of mass financial destruction that even their creators cannot explain.

The mermaids? They are the taxpayers who …

What if there was an easy way to implement a whole new approach to retirement funding, pension planning, and Social Security? Would the politicians be interested? Let’s find out.

What if the new plan actually reduced payroll taxes, cut prices, created jobs, increased salaries, raised shareholder dividends, partially funded decreased healthcare costs, and was available to everyone?

Sound too good to be true, but it’s actually doable. The reasons for the present system’s failure are mostly political; the solutions are clear, practical, and non-partisan. What we want is a less expensive system for assuring that everyone is able to retire with an adequate income, higher than that provided now by Social Security.

What we need is a simple program, part mandatory and part voluntary, using experienced trustees who operate within the strictures of the prudent-man rule— a risk-minimizing legal doctrine that …