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
It's a great mug, will reccomend to family members my grandma gave me this mug for christmas and it was by far the best gift i got.
It arrived three weeks after ordering but given the holiday rush and inability of shipping to keep on schedule arrived late but was perfect little gift from me to my wife for her morning coffee with her "nickname" on the mug.
I liked the photo on your website and so I ordered the mug. You sent it right away, and it looks great!
Arrived carefully packaged
me and the boys when i get vodka mug
I ordered 3 of your mugs, with different names on them. There was a typo in the information about the name on the back of each of the mugs. This wasn’t a dealbreaker because the people who received them liked them. However, it would be nice if somebody who has basic proficiency in spelling English words could proofread the script for all of your names before they’re prepared.
Arrived on time. Great packaging. Communication with vendor was top-notch. High quality item.
I love it! Thanks! So
Great present for a retiring colleague with custom saying she's known for!
Loved this mug! So unique and you can edit the text to add something unique.
I gave it to my friend who took money from me and never returned.
I love the fact that I was able to customize my name since I've never been able to find anything with my name. The only downside is it's smaller than I thought it would be (I guess I didn't pay much attention to that), wish it was bigger, only about 10 oz total.
It's simply awesome; and plus, the word means a lot.
Really fast and looks great! Took a chance on Christmas gift and it was a success!
Awesome mug feels really nice good weight and color although I think the shade could be a little brighter when it comes to the highlighter yellow, I am still pleased with the outcome and the fact that a whole passage was so neatly printed onto the product, very pleased with the packaging too! That made it so easy to wrap just in time for Christmas. Who knew!!
okay so the mug was mid but when you have a genz meme and give it to one of the most serious people you know then it's pretty funny
Nice mug, great feel‼️
Perfect!
Good quality ceramic cup! Worth the novelty price!
Perfect gift for my gf
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