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...create an easy, tax-friendly vehicle for employees to save for retirement. The client passed, but the idea took off: there are now more than 65 million 401(k) accounts, which allow participants to invest in stocks and bonds, often with matching funds from employers--all at a lower cost than the pension plans that 401(k)s replaced. The accounts helped spark a financial-industry boom, funneling billions from under retirement savers' mattresses into mutual funds and the stock market...
...starters, your health history could ratchet up your monthly premium--or keep you from getting covered in the first place. And a lower monthly premium tends to come with a higher annual deductible. Humana's Monogram plan, for instance, pairs its $30 premium with a staggering $7,500 deductible. And the preventive-care coverage in these plans may not extend much beyond an annual physical. So consumers who don't look past price per month--a more traditional individual plan might charge a $400 premium and a deductible closer to $500--may find themselves shelling out thousands more dollars down...
...link between our biology and our taste in food.If this is true, what does it really mean to be a supertaster? The health consequences of a supertaster’s diet are complicated. On the one hand, a supertaster is less likely to reach for fatty foods, leading to lower levels of cholesterol and lower rates of cardiovascular disease. But their disinclination to reach for leafy greens limits their consumption of valuable cancer-fighting phyto-chemicals. In fact, supertasting abilities may be a relic from our evolutionary past, protecting our ancestors from eating poisonous alkaloid-containing plants. This theory...
...reason that this year has seen so many schools fail to meet federal standards is that state requirements were very poorly structured under NCLB. About half of the states had anticipated a huge struggle in immediately meeting federally mandated standards, so they chose plans that would start with lower standards and ramp up in subsequent years. California, for example, required only modest proficiency gains of 2.2 percent a year from 2001 until last year, when required percentage increases leapt up to 11 percent a year. The California state superintendent admitted he hoped that Congress would soften the federal law when...
...Lower prices (and thus higher interest rates) for Fannie and Freddie bonds make it more expensive for the government mortgage guarantors to borrow, and that means that Fannie and Freddie have less money to purchase home loans. Which means a lower supply of capital available for mortgage issuers. The result is higher mortgage rates for the average American. The higher mortgage rates have left some people wondering just what the government can do next. "Just what would you do differently," says John Weicher, a director at the Hudson Institute and a former assistant security at the U.S. Department of Housing...