ERISA
(U.S. GOVERNMENT) Employee Retirement Income Security Act (1974); federal law that sets minimum standards for most voluntarily established pension and health plans in private industry to provide protection for individuals in these plans. Very important law was supposed to ensure that employer pension plans were (a) managed by qualified, ethical people, and (b) those people did not take excessive risks with the funds paid into the pensions. ERISA was subsequently weakened by a Department of Labor ruling in 1978 that allowed pension fund managers to invest in riskier types of portfolios. At the same time this occurred, financial managers were stuck with negative real interest rates, and high inflation. So there was an urgent need for financial vehicles with high yield. As a result, pension fund money flowed into the new hedge funds and junk bonds. Another major change to ERISA was the Consolidated Omnibus Budget Reconciliation Act (COBRA-1986) allows workers recently unemployed from a job to keep their group health insurance coverage for a limited period of time. ERISA regulations for vesting pension benefits were watered down during the '90's, resulting in massive risk taking and erosion of income security for middle class Usonians.
The Urban Dictionary Mug
Great idea. Nice mug and well proportioned
Im gay so love this mug
shmunky Mug is elite!!!!!!!!!!!!!!!!! Highly recommend yeat !!!!
Great product. Timely shipping. Highly recommend this establishment. Thanks!
Best Mug ever. I love having the definition for my favorite word on a stylish mug. -ShinobiScout
It was hilarious and I loved it
bloody fantastic. yes you found a real review that isn't from a bot!
So funny and fun to share. Great gift
I have a persona/troll character on Roblox named: HaunCoolGamer, I bought this bc the actual definition of Haun totally fits Haun's brand.😎 10/10: Very epic.
sicko mode mug bought this, great mug. would recommend to friends
Good quality, not cheesy.
It’s an awesome mug
it's great get it with the definition of your b and make it cuteee
Great as punctuation to an inside joke. Very expensive for a coffee cup.
Excellent communication. Prompt service. Quality product.
my friend loves funky monkey mug
Great idea to be able to offer this quality mug. I wish it would have come with the full text including examples listed on Urban Dictionary but I do love the mug. Just bought my 2nd one. Packaging is duarable and perfect for rough transit.
¡Soy profesora de español y lo voy a usar en mi clase en la universidad!
I wish the text on the back wasn’t so small—if I had to order it over again I would’ve inquired as to whether the words could be enlarged so it filled up more of the “white space” on the back
You guys are fantastic! Will continue to do business with you. Thank you so very much.
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