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...than $200 billion into these accounts each year. But retire rich? Don't bet on it. The average 401(k) has a balance of $45,519. That's not retirement. That's two years of college. Even worse, 46% of all 401(k) accounts have less than $10,000. Today, just 21% of all U.S. workers are covered by traditional pensions, and the number shrinks every year. "The time may have come to consider returning 401(k) plans to their original position as a third tier of retirement planning, behind pensions and Social Security," says Alicia Munnell, who heads...
...account up - a minor task at most companies - it's automatic, making it an easy, thought-free way to save. Indeed, Americans have more saved specifically for retirement than ever before. But the past year has shown that even with our added savings, we are at much greater risk today of our bank accounts running empty than when employer-guaranteed pensions were the norm. By Munnell's calculations, 44% of all Americans are in danger of going broke in their postwork years...
...Back at the golf course, Shively is not the only former Occidental employee toiling away in his retirement. There are three other former Oxy Pete workers among the staff. All would be better off today - and probably playing the course as opposed to working it - had Occidental stuck to its pension system. Still, Shively says he is not mad at his former employer. And so far, he hasn't found working in retirement to be too bad. Let's hope we all think the same...
Previous studies did not look at the relationship between two similar sized galaxies, rather only the relationship between large galaxies and dwarf galaxies because that is how the majority of the universe is composed today...
...Romanian-born German poet and novelist Herta Müller is the winner of the 2009 Nobel Prize for Literature, the Swedish Academy announced today. The academy describes Müller as a writer "who, with the concentration of poetry and the frankness of prose, depicts the landscape of the dispossessed." She is the 12th woman to win the prize in its 109-year history...