Word: lowered
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Dates: during 1990-1999
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Once you're retired, consider taking your employer's stock out of your 401(k) plan--not as cash but "in kind," physically getting the shares. It can lower your tax bill dramatically, and for anyone with a low cost basis, "it's definitely a go," says BankBoston 401(k) expert Marvin Rotenberg...
Before you pull up stakes, ask yourself how much money you might need to live year to year. Experts say it's somewhere between 60% and 80% of your annual income before retirement. Even if you plan to retire with lower fixed costs in a state with little or no taxes, "don't go much lower," Satovsky warns. "If your cost of living drops, you may decide you want to spend more money on new, more expensive habits, like travel...
Ragtime conforms nicely to these standards, while still making a strong statement about the so-called "American Dream," circa 1900. The then-taboo issues of racism, xenophobia, unwed mothers and exploitation of the lower classes, to name just a few of the topics sung about onstage, are brought up with a bit of cliche, but are tackled with honest zeal nonetheless. The plot revolves around three families--one upper-class WASP, one black and one immigrant Jewish--who are striving for success and happiness in turn-of-the-century America, which is offering them as much adversity...
...legs of a stool, with one leg a good deal shorter than the others, leading the editors to characterize the result as a "far from pretty picture of Harvard life" (Editorial, Feb. 4). Never mind that 3.46 is a good deal above the midpoint of the scale; it's lower than the other numbers. How serious a problem is this inadequacy of Harvard's social life...
...lower court ruled, in effect, that the Miranda warnings are only a constitutional suggestion, as opposed to a constitutional requirement, and that Congress nixed the required reading of the warnings when it passed an obscure law in 1968 that merely requires confessions to be "voluntary." Miranda supporters are particularly alarmed because, says Cohen, "the composition of the Supreme Court has changed dramatically since the Miranda ruling." He notes that "the high court has been quietly chipping away at defendants' rights for years." Several of today's more conservative Justices, some of whom are known to be hostile to Miranda...