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
The price was a little expensive, but the gift arrived as ordered. Thanks!
Great mug got one for my highschool crush
I was very pleased with the mug and I was thrilled that I could purchase a customized item that perfectly suited the person I was gifting. The only issue I had was that it didn't have the quote from the tv show the word came from as that was pictured on the mug prior to purchase.
Came out just as described! Had the full definition. Very pleased!
Perfect gift As a joke I gave one to my mate but I costumised it. It said tom drunk 24/7 ugly and got lovely hair. The lovely hair part was a joke coz he don’t have any. It was his favourite gift he got for his birthday and he drinks his beer out of it 😂
Great mug…. Got one for Cole M.’s girlfriend.
I ordered a customized mug for my gf and everything came out well. There were no autocorrect mistakes and the mug was unscratched. Would shop here again
Also got one for Cole M.'s girlfriend, even faster sex.
Istgd imma force my mum to buy this idek hw i find out but this shit looks fucking fire
Perfect coffee cup for a hockey fan. Great conversation starter.
Perfect gift! My husband loved it. So funny and clever!
Great mug… got one for my girlfriend… instant sex
As always, these are well made mugs that stand up to most anything. And they make perfect gifts (in this case for dirty-minded members of a wedding party). I’m extremely pleased.
Is a great mug that I purchased as a gag gift for a coworker. You know the one who also as interesting words/phrases that only urban dictionary can explain. Great as a coffee mug and better as conversation piece!
👍
The mug exceeded my expectations. Really excellent quality and build
Jim, you’re a fucking idiot interfering with accurate ratings and legitimate feedback. Get a hobby.
Great gift!
A little spendy, but worth it.
My wife kept talking about "ways out" being a Denver version of "psych" and she was right, so I got her this once I found it on UD. She loved it!
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