Dallas Salisbury
Dallas Salisbury
Dallas Salisbury quotes about
actual choose fitting note numbers people plans
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.
carefully clear workers
Workers should think about it very carefully and go through a very clear evaluation.
automatic best easily employee giving help innovation instead plans principal putting reliance retirement save security seeing taking time winners
We're seeing innovation to help individuals save for retirement more easily instead of putting so much reliance on the employee to find the time to do it. The Principal 10 Best winners are taking 401(k) plans and giving them more security with automatic diversification and annuity options,
benefit deal employee gain great high human millions people resources school specialist type workers
We've got millions of workers that don't have high school educations, ... These are the type of people who would gain a great deal from interaction with an employee benefit specialist, a 401(k) specialist or a human resources professional.
employers expensive interface stuff systems together until
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.
among benefit defined happening misses report
The PBGC report misses much of what has been happening among defined benefit plans.
ask current employer rules
Ask your employer why their rules are not up to current law.
concept costs employee greater sharing
This concept of sharing greater costs with the employee is nothing new.
additional borrowing cash economy effect government net overall security social taxpayer using
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.
against borrow card credit individual loan meaning money otherwise run
If it's money that an individual would otherwise have to borrow, meaning they'd take out a loan against a credit card or run up a balance, they are better off economically if they borrow from themselves.
benefit companies defined fact fan financial literacy offset people positive provide save silver start
I am an extraordinary fan of defined benefit plans, but the world has in fact dramatically changed. If the offset is that companies start aggressively encouraging people to save and provide financial literacy education, that may be a very positive silver lining.
aware medicare security social
Individuals are more and more aware that Social Security is going to have problems, that Medicare is going to have problems,
easiest investment leave options
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.
create federal fewer functional magnitude million people problems program social system thrift trying
The magnitude for trying to create an administrative system and make it functional for 140 million people (in Social Security) could be done, but it will take years. The federal thrift program is having problems and that's a lot fewer people.