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
Soaking is my favorite activity, glad I got a mug for it 😙
It DIDNT break :D
so happy you were able to put my unique word "Obergrossescheinehund" onto the new yellow mug. The yellow mug and black print make it easy for the words to be seen.
This is made by my friend i love it
Imagine not buying one of these. 🤢🗑🤡= non-buyer. Couldn't be me. 😎
It was the best thing I could have asked for
I mollywopped someone with it and it didn’t break. Nice
Product was as advertised and arrived pretty quickly too! The person loved their gift!
The "Pink Flamingo" colour with white text on a pink background is the best selection for this fine phrase mug. May I suggest you also correct the misspelling of "delightfully" in the default option for a timeless gift.
As always, a great gift.
It looks great. I couldn't have been happier
It’s a mug I would never find in a souvenir shop. I’m a legend in my own home.
I am very please with the mug. Thank you!
ABSOLUTELY LOVED IT BUY IT RN
Was very happy with the customer service team when I had a question. They responded to my email quickly. The mug looks really cool, makes me laugh every time I use it and high quality. I’m in love with it. Thanks!
Haylee My name is haylee sullivan and the mug is describes everything about me and i would rate it at a 5 100% it is awesome
I’m right handed and would’ve liked it better if the handle was on right side with name facing forward instead of having verbiage facing front
girlfriend loved it :) - Ian's Girlfriend
the urge to buy it and write cum on it
Purchased this mug as a Christmas gift. Can’t wait to see the reaction!
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