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While every worker can decide for himself, I would like to explain why I would divert payroll taxes into a PRA invested in stock index funds. The first is that over long periods, the stock market offers much higher returns for what I find an acceptably low risk. Jeremy Siegel, a finance professor at the University of Pennsylvania, has found that the broad stock market from 1802 through 2003 averaged a 6.8 percent annual real rate of return. While the markets fluctuate from year to year, over all 30-year holding periods since 1802, the lowest annual real return...

Author: By Mark A. Shepard, | Title: FOCUS: Bullish on Personal Accounts | 4/4/2005 | See Source »

...because of solvency issues, but because private accounts are inherently superior to the current system. We believe that the massive transition costs outlined above are enough reason to reject this argument. But more importantly, privatization destroys the goal of Social Security: confidence in retirement. Even if the average worker would benefit from private accounts (which may or may not happen), there will be many, many workers whose private accounts would under perform, costing them thousands in retirement. Social Security is meant to be a guaranteed retirement foundation for all retirees, not a slick investment scheme, where every senior...

Author: By Seth R. Flaxman and Piper M. Harlan, S | Title: FOCUS: Bush’s Plan For Social Insecurity | 4/4/2005 | See Source »

Under the current system, once a worker pays his or her Social Security taxes into the system, the worker no longer owns that money. That’s a very paternalistic system—the government doesn’t trust people to control their own money. In addition, two major problems are created: workers have no right to their Social Security benefits, and workers cannot pass on their accumulated Social Security retirement money to their heirs...

Author: By Michael Tanner, | Title: FOCUS: In the End, It’s About Ownership | 4/4/2005 | See Source »

...named production manager. Good thing on both counts. Chuck could be a jealous spouse, so when a sex scene was to be shot, Damiano would send him away on an errand. And Reems had a chance to display his indefatigable performance skills, as a burlesque comic and sex worker, made the enterprise very viewer-friendly. "Harry wasn't a great actor," says long-time porn entrepreneur Fred Lincoln, "but he was a great fucker." Reems is justly proud of his quick preparation for the money scenes: "I can get turned on by a picture of Minnie Mouse." (Fine, Harry, just...

Author: /time Magazine | Title: That Old Feeling: When Porno Was Chic | 3/29/2005 | See Source »

...that this need does not evaporate at 18, when kids "age out" of the foster-care system. "It's pretty sad," says Jackson, "when I get a call from a 24-year-old guy who's got no one to ask for help or advice except his former social worker, or from a young woman who is having her first baby and there are no grandparents in the picture...

Author: /time Magazine | Title: Teens Wanted | 3/28/2005 | See Source »

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