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
this is the best for coffee and hot coco especially if you make the hot coco in it then pour it on your significant other and do body shots 😋🥱
I can pass away peacefully. This mug is everything I’ve ever needed and more. Fat thank you, Urban Dictionary. <3
I was really excited to receive this mug and when it did come it was perfect quality. My only complaint is that the color I choose was green teal but it came in yellow.
As always, easy to order and not-too-long of a wait for the finished product to arrive. It’s well-printed, and very sturdy. A great gag present for wedding party members.
The mug , color and saying are perfect! PMEO is what I say at work everyday. It has become a favorite saying for my coworkers when things go haywire!
Quality and style are outstanding relative to price point.
Love it! It is my favorite mug. Easy to hold because of its shape and weight. Now my go-to mug.
My wife is truly beautiful and this cup was perfect for her.
Awesome mugs! My GF laughed her ass off, lol!!!
t-this mug changed my life. At first i was a loner but then i bought this mug and i became HIM. I thank this mug everyday for its blessings
Cute, good quality, *****!
Exactly as expected!
My order was delivered very quickly and was high quality. Glad to add it to my mug shelf.
God is still alive. The existence of this mug shows there is still faith that god is dead and is listening to us. God Bless,
Gay Label Adore this. Ordered for my husband, with the second definition on the back, about the gay filmmaker. Makes a nice discussion starter.
Top notch shipping and exactly what I hoped!!
Best mug i have ever purchased! Subscribe
I love it, but of course the definition Ichose for “Unicorn” is too long and gets cut off after “someone is remarkably attractive.” Is there any way to purchase a second mug that has the rest of the quote on it? They’d make a great set as a present. Please let me know. David Tillinghast dtilling480@gmail.com
"Turtle on my name". A tribute to the 50 odd years of misheard lyrics.
My friend couldn’t stop laughing when I gave it to him!
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