Detailed vs. Narrative Writing

What can cause cold lesions for you personally? What’s the one major trigger that creates these humiliating and painful cold lesions in your lifetime? You don’t realize it currently, but in the next several moments you will understand everything you may do to eradicate them and precisely what causes your cold sores. Everyone each cold sore event special and is not same. But also for cold sore subjects, what causes’ vast majority their sores that are cold is very similar. Continue reading

How-to Present Essay Writing

Livestyle essay After a period, we halted at a propane station, where the youngsters leaped around for some minutes and pushed their faces towards the cocktail cases before we corralled them back into the car. We did that every time 5roughly for the remaining trip that transient discharge of power satisfied them down enough to get through the trip’s next leg. Within the auto, we turned on the air and cranked “Wake Me-Up,” by Avicii. Whose words about traveling the planet with no programs looked curiously appropriate, given the situations. Continue reading

Howard Iams discusses “Retirement Plan Coverage by Firm Size: An Update”

Howard Iams of the Social Security Administration discussing “Retirement Plan Coverage by Firm Size: An Update”This paper was a co-authored by Howard Iams, Jules Lichtenstein, and Irena Dushi

Tuesday, July 21
Noon – 1:00 p.m.Location:  
Americans for Tax Reform
722 12th Street, NW
Washington, D.C. 20005

Howard Iams is a social science research analyst with ORES, ORDP, SSA.
Irena Dushi is an economist with the Office of Policy Evaluation and Modeling, Office of Research, Evaluation, and Statistics (ORES), Office of Retirement and Disability Policy (ORDP), Social Security Administration (SSA).

Jules Lichtenstein is a senior economist with the Small Business Administration’s Office of Advocacy.

Robert Pozen discusses the Employee Health Benefits Excise Tax (aka The Cadillac Tax)

the Employee Health Benefits Excise Tax
(aka The Cadillac Tax)
with Robert Pozen
Wednesday, June 24
Noon to 1:00
Hoover Institution

1399 New York Ave., NW, #500
Washington, D.C. 20005

Robert Pozen is a nonresident senior fellow in Economic Studies at the Brookings Institution.  Since 2004, he has served as the chairman of MFS Investment Management, which manages over $180 billion in assets for over five million investors worldwide. Prior to this position, he was the John Olin Visiting Professor at Harvard Law School in 2002 and 2003, where he taught interdisciplinary courses on corporate governance and financial institutions. He currently serves as a senior lecturer at the Harvard Business School.

Financial Illiteracy Meets Conflicted Advice: The Case of Thrift Savings Plan Rollovers

For a Lunch Meeting with Guest Speaker: 

John Turner


 Director, Pension Policy Center 

Who will discuss his paper

“Financial Illiteracy Meets Conflicted Advice: The Case of Thrift Savings Plan Rollovers” 

This paper is coauthored with Bruce Klein of the Pension Policy Center and Norman Stein of Drexel University Law School. 

Wednesday April 22, 2015 

Noon-1:00 p.m. 


Cato Institute

1000 Massachusetts Ave NW>

Washington, DC

John A. Turner is Director of the Pension Policy Center, which provides research and consulting on social security, pension policy, and retirement planning.  Previously, he worked in the AARP Public Policy Institute, the International Labor Office in Geneva, Switzerland, and in research offices at the U.S. Social Security Administration and the U.S. Labor Department.

Illustrating Retirement Income for Defined Contribution Plan Participants

Illustrating Retirement Income for Defined Contribution Plan Participants:
A Critical Analysis of the Department of Labor Proposal

with Mark Warshawsky
Wednesday, March 18th, Noon to 1:00
Americans for Tax Reform

722 12th Street, NW
Washington, D.C. 20005

Mark J. Warshawsky is a visiting scholar at the Mercatus Center of George Mason University. His research interests include employer-sponsored retirement programs, social security, financial planning, health and long-term care financing, corporate and public finance, and macroeconomics. He is a co-author of the Fundamentals of Private Pensions, Ninth Edition (Oxford University Press, 2010) and author of Retirement Income: Risks and Strategies (MIT Press, 2012).

Will Annuities Keep Seniors from Going Broke?


Photos From Event:

Boosting Economic Mobility through Prize-Linked Savings

Stuart Butler
Distinguished Fellow and Director, Center for Policy Innovation
The Heritage Foundation
David C. John
Senior Strategic Policy Advisor
AARP Public Policy Institute
Investment Company Institute
1401 H Street, NW
Suite 1200
Washington, DC 20005

The savings rate in America has been in decline for three decades, with roughly one-third of households having no savings at all. Analyses of economic mobility explore why some people are successful in moving up the economic ladder during their lifetime while others are not. While there is much debate about the degree of opportunity in America, there is general agreement that there seem to be significant obstacles facing Americans who start out in households at the bottom end of the income spectrum. But even for those starting at the bottom, lifetime trajectories vary widely. The habit of saving is a critically important complement to education and social “capital” needed for upward mobility. But we need to recognize that there are many Americans who are not inclined to take part in traditional programs designed to build a savings habit. For these Americans, financial incentives and tools with approaches that have a more emotional appeal are a more effective way of creating a culture of savings by channeling the instinct to gamble into systematic savings. This approach, known as “prize-linked savings” employs the techniques of behavioral economics to turn a behavior pattern into a savings habit that enhances the economic mobility of a household.

Jonathan Forman Discusses a Solution to State and Local Pension Underfunding

For a Lunch Meeting with Guest Speaker:

Jonathan Forman

Alfred P. Murrah Professor of Law

University of Oklahoma

Who will discuss his paper:

Tontine Pensions: A Solution to the State and Local Pension Underfunding Crisis

Thursday May 8, 2014

Noon-1:00 p.m.

Location: ATR

722 12th Street, NW Suite 400

Washington, D.C. 20005

Treasury Dept. asks OMB to Review Mortality Tables

In today’s Federal Register, the U.S. Treasury’s notice stated that the agency has no plans to make changes to the 2008 guidance for defined benefit plan sponsors creating and submitting plan-specific mortality tables for approval by the Internal Revenue Service. The 2008 revisions made about a dozen changes to previous guidance for single-employer defined benefit plans, and none to multi-employer plans.

The comment period for this notice is open  for 30 days, until May 23, 2014.