David Wray
David Wray
analyze array asset best bottom broad choice choices companies enter hard investment line people possible prepared process teach tried work
Most Americans do not enter the work financially prepared to analyze a broad array of choices and make the best possible asset allocation. Companies have tried hard to teach them. But the bottom line is that if more people are to participate, the investment process has to be simpler.
greater hardship reason withdraw
What greater hardship can you have as a reason to withdraw your own money?
came example franklin gratitude joy linda living matter
Linda Franklin will be missed. She was an extraordinary example of living with joy and gratitude no matter what came her way.
additional benefit company implement law mean opportunity passes program provide voluntary
Just because someone passes a law in Washington, D.C., to provide an additional voluntary opportunity in a benefit program doesn't mean a company has to immediately implement it.
account balance borrow half payroll
You can borrow up to half the account balance or $50,000, whichever is less. But if you borrow, you have to repay, typically through a payroll deduction.
treated
Everyone has to be treated the same, ... eligibility is not a big expense.
business companies easy management purpose retirement small
Small companies are always right on the edge. (Setting up a retirement plan) distracts the management from their single-minded purpose of getting business in the door. You've got to make it easy for those people.
amazed course family grateful loss support
The family is of course heartbroken by their loss ... but they are amazed and grateful at the support they have received.
employers looking people walk
Employers are looking ahead. They want to find out what people want before they walk in the door.
bills expect pour time
We expect over 30 bills by the time this is over. The bills are going to pour in.
deal determine money planning
This money is going to determine how you live in the long run. So if you can deal with short-term emergencies out of short-term resources, that's a better planning approach.
commitment companies examples good rest trying wonderful
It is wonderful to see companies who have the commitment that these companies show. They are really trying to do the right thing with their workforce. They are good examples for the rest of American business.
cash funds manager miraculous owner prioritize rescue send until using
They're going to prioritize where they're going to send checks. The owner or manager is using the cash funds until the miraculous rescue occurs.
bad good nature
Profit-sharing by its nature is uncertain. Sometimes you have a good year. Sometimes you have a bad year,