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
Just as described. A fun line of products. Have already ordered others. Thanks!
You should get the penis mug. It's pretty elite - Elongated Muskrat
Loved how fast this arrived! Fun blast from the past... Dana Hills Dolphins!
It shows exactly what I want!!
its an alright mug. its moderate. mid. not the best. not the worst. pretty normal. if it was the weather it would be 50 degrees F. something so unexperiencing and experiencing at the same time. if it was on a number line, it would be in the center. i rate it a 5/10.
I can't believe my name became a meme. I love this mug.
Got a Fratz at home Love this mug. Fratz means kinda perky darling in my language, and since my darling loves to fratz when I'm around (that's indeed often) this is THE perfect gift for her.
Give me the mug
give me mug
I Really enjoyed to color options and the mug is made of very good material and i will be buy much more in the near future these mugs are the absolute best
Jana loves her mug. Drinks from it everyday and counites to inspire her. Thank you so much for this gift
Best mug ever!
this is actually a good mug
Computerly good
It's excellent for memers from NSBHS who would like to have a good laugh every morning.
It was a gift for my brother. He absolutely loves it
Very easy to order and mug was made and delivered promptly. Looks great.
Coffee cup was easy to order. It was made and delivered promptly. It looks terrific.
Absolutely brilliant, I just love the hgfhgf mug, I would reccommend this to anyone, 10/10.
wow it's amazing, the best mug i've ever had !!!! My wife left me but it's okay because i have my shark mug ! I just want to say thak's, thank's to the world, thank's to god and thank's for you. you made my day
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