Senator Herb Kohl delivers floor statement on Retirement Security
Mr. President, I rise today as chairman of the Special Committee on Aging to talk about retirement security in America. In recent years, workers have seen their savings take a hit, with many wondering whether they will ever be able to retire. The current retirement income deficit – in other words, the gap between what Americans will need in retirement and what they will actually have – is $6.6 trillion, according to the non-partisan Center for Retirement Research at Boston College. Now more than ever, we need to strengthen our nation’s pension and 401(k) systems so that Americans can protect the retirement savings they work a lifetime to earn.
In doing so, we must recognize that today’s retirement savings vehicles look a lot different than they did a generation ago. Our current system increasingly places the responsibility for saving on the individual, meaning that people have to make retirement decisions on their own because many employers are not doing it for them. That is why the Aging Committee is working to give people more guidance, more tools, and more protection.
Many Americans are increasingly relying on 401(k)-type defined contribution savings plans to fund their retirement. Having a 401(k) requires an individual to make several pro-active decisions, including the decision to save, how much to save, how to invest their savings, whether to take loans out, and how to make their savings last through retirement. The Committee’s focus has been on helping participants make better decisions. After all, a person should not have to be a financial planning expert in order to plan for a secure retirement.
We are discovering that the best system would have certain automatic features, such as automatic enrollment with escalating contribution rates and target date funds that adjust automatically, combined with options to opt out for those who want to create their own portfolio. We are pushing for more retirement coverage through ideas like better target date funds that are designed in the best interests of participants.
We are collaborating with the Department of Labor on many of these issues, and also introducing our own bills in some cases. Senator Tom Harkin and I introduced a bill to require the disclosure of 401(k) fees to participants. A small difference in fees, compounded over a lifetime, can make a huge difference in overall savings. I commend the Labor Department for recently issuing regulations that will bring greater transparency and disclosure of 401(k) fees and make it easier for employers to ensure that their plans’ fees are reasonable, and I look forward to reviewing the Department’s participant fee disclosure regulations when they are issued this fall. Senators Bingaman, Isakson, and I have introduced the Lifetime Income Disclosure Act, which would have 401(k) statements translate the balance into a potential stream of retirement income. This will help participants save and plan for an adequate retirement. I am also working with my colleagues to ensure that oversight of the Pension Benefit Guaranty Corporation, the entity that insures the pensions of more than 44 million workers and retirees, is strengthened.
Of course, we cannot talk about retirement security without talking about Social Security. The Aging Committee recently released a report that lays all the options on the table for making it secure over the long term. We also must make sure that those who rely on it the most are protected. And finally, one of the most important ways to have a secure retirement is to work longer. We are focused on the removal of barriers to working past retirement age for those who choose to do so. Our efforts will keep people in the labor force and encourage employers to offer the benefits and flexibility many are looking for later in life.
In closing, I would like to applaud the many advocacy groups that are striving to create a universal, secure and adequate pension system. Their efforts to bring necessary attention to the important issue of retirement security are appreciated. Together we will continue our work to improve retirement security for all Americans.
Thank you, Mr. President.
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Vuitton is not a handbag company that I normally look to for my own purchases because of my personal preference toward bags without logos, but its fall accessory offerings were easily some of the best of the entire season. The central idea of the handbag collection was a theme and variations starring the brand’s ever-popular Lockit shape, much like the Speedy iterations that we Michael Kors Outlet saw from Vuitton for Fall 2010. It’s an idea that worked well then and works well now, with the disciplined lines of the Lockit lending themselves seamlessly to the upscale kink of the Vuitton ready-to-wear. Let’s not talk about the fuzzy bags and pretend those never happened, ok? Everything else was too good of a distraction.
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It might be a tough six months for you, if you’re a louis vuitton outlet customer. louis vuitton purses Spring 2013 was largely a riff on the company’s classic check print, with the square motif repeated over and over again in sequins, fur, piece leather and suede. There were a few solid-colored bags with contrasting trim, but they weren’t the story of the day. The other important element of this Vuitton collection is color, and specifically how few colors were used. The tone of the yellows, creams, browns, greens and greys in the show reminded me of a 1970s middle-American kitchen, all Harvest Gold appliances and off-white vinyl chair cushions. It’s certainly a palette worth exploring (and one that can be used beautifully in skilled hands), but the finish of the bags leaves something to be desired. The solid options look luxurious, as do some of the Damier Speedy-shaped bags, but many simply look a bit too simple and awkwardly shaped for my personal taste. Check out the gallery after the jump and let us know what you think. Leave it to louis vuitton handbags to solve a handbag problem that we didn’t even know we had – how do you get more handbags on the runway than there are models to carry them without weighing down the ready-to-wear? As it turns out, the answer is creating a travel-themed show, complete with a functioning train, and giving the models each a uniform-clad porter to carry her “luggage.” Vuitton took full advantage of these runway helpers, loading each model-helper down with multiple bags – sometimes as many as four. That meant that we got to see a lot of lovely luggage on the runway, from oversized crocodile hat boxes to traditional luggage suitcases. Things got a little harrier when the show moved on to regular handbags, though, both figuratively and literally. While some michael kors outletof the fur-detailed monogram bags were lovely, other fur-covered satchels looked a little bit too much like Cousin It. Also, I’m not sure how high-end the weathered circular hardware closures used on many of the bags looks. As much as I loved last season’s Vuitton collection, this one might take some getting used to. Every season, waiting for the louis vuitton bags show is torturous. It comes at the very end of Paris Fashion Week, which is the last city of the season, and its arrival taunts handbag lovers for a full month. Unlike some designers whose brands make a great deal of money from accessories but you largely eschew the use of bags on the runway (we’re looking at you, Yves Saint Laurent), Vuitton knows exactly what we want – THE BAGS. SHOW US THE BAGS. And befitting off all the anticipation, the bags from michael kors Spring 2011 are particularly lovely. Model after model strode the runway with trend-appropriate pastel satchels on their arms, many in wallet-draining crocodile. If you’d like to see one of these beauties in your closet come spring, you best start making the financial arrangements now. Also, I’d recommend ridding your house entirely of foods that cause stains – no red wine around these lovely accessories. It’s been a full month since all of the fashion week festivities started, and they’ve finally come to an end. Showing at the very end of the cycle can either be a blessing or a curse; if what you’ve put together is merely mediocre (or worse, if it’s flat-out bad), critics and buyers are more likely to look harshly on it because of our fatigue at four weeks worth of clothes and accessories. If the collection you’re presenting is as good as beautifully fetishistic michael kors outlet Fall 2011, though, then you get the glorious distinction of closing out the season on a high note and having your clothes by foremost in the minds of editors. Vuitton is not a handbag company that I normally look to for my own purchases because of my personal preference toward bags without logos, but its fall accessory offerings were easily some of the best of the entire season. The central idea of the handbag collection was a theme and variations starring the brand’s ever-popular Lockit shape, much like the Speedy iterations that we Michael Kors Outlet saw from Vuitton for Fall 2010. It’s an idea that worked well then and works well now, with the disciplined lines of the Lockit lending themselves seamlessly to the upscale kink of the Vuitton ready-to-wear. Let’s not talk about the fuzzy bags and pretend those never happened, ok? Everything else was too good of a distraction.
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From VOA Learning English, this is the Technology Report in Special English. Every year, IBM Corporation chooses five new technologies it believes will change the world within the next five years. The IBM list is called "Five in Five." The company says it considers its own research and the new directions of society and business when identifying the technologies. This year, the list describes some future devices that will extend our five senses. Imagine looking for clothes online and touching your computer or smartphone to feel the cloth. IBM Vice President Bernie Meyerson louisvuitton.com predicts that technology could be available in the next five years. IBM 5-in-5 "You're talking about almost reinventing the way computers operate and how you interact with them as humans." Touch is just one of the senses that computers will help to extend. IBM says smart machines will soon be able to listen to the environment and give us information about the sounds they hear. For example, Bernie Louis Vuitton handbags Meyerson says an advanced speech recognition system will tell new parents why their baby is crying. "From the sound the baby is creating, that particular frequency in the voice of the child, you know the difference between a child for instance who is sick as opposed to a child who is just lonely. That kind of understanding would be great for parents. This kind of thing is not possible today, but with a sophisticated enough system, it actually is possible." Smart machines will also help identify medical conditions. If you sneeze on your computer or cell phone, the machine will study thousands of molecules in your breath. Then it can tell you whether you need to see a doctor. "It can give you an alarm and say; ¡®Hey, you may not feel sick yet, but you have an infection, which you must go see your doctor immediately.'" In the near Louis Vuitton Store future, built-in cameras in our personal computers will be able to examine and name colors and recognize images Mr. Meyerson says IBM scientists are also developing a computer system that can examine and combine food molecules to create the most popular flavors and smells. A new report says more than 800,000 babies¡¯ lives could be saved every year, if all women began breastfeeding within the first hour of giving birth. Save the Children calls breastfeeding one of the best ways to prevent malnutrition, a major killer of children under age five. Save the Children CEO Carolyn Miles says it¡¯s vital to begin breastfeeding soon after a child is Authentic Louis Vuitton Purses born. It¡¯s extremely critical because to get mothers to actually start breastfeeding can sometimes be the hardest part And that first milk from mothers, that contains something called colostrum, is an incredibly nutritious form of breast milk and it actually has a lot of immunity powers, as well. And it really only happens in those first couple of hours,she said. Nurse Koletha teaches Mwajuma how to breastfeed her one-day-old baby boy at the Lindi Regional Hospital, Tanzania. (Credit: Caroline Trutmann / Save the Children ) The report describes colostrum as a child¡¯s first immunization. But in some cultures, such as parts of Niger, there¡¯s a myth that colostrum is Louis Vuitton Sale dangerous. One of the biggest barriers that we found, when we looked at this report, to moms¡¯ breastfeeding, is a lot of these cultural beliefs and one of them is that colostrum is, in fact, bad for babies. So, in a lot of places around the world the mothers actually throw it out And it¡¯s the best thing that you could be giving to your babies. So a lot of this is about behavior change. And those are just old traditions that have been passed down and things that we¡¯re trying to change, obviously, said Miles. Many mothers believe their babies need to eat something besides breast milk. Miles said louis vuitton outlet that water, sugar water and tea are not necessary. Actually babies don¡¯t need any of those things To demonstrate this we asked people to watch their animals. Watch the fact that baby animals don¡¯t drink water. They just drink mother¡¯s milk. It¡¯s just the same with human babies. They don¡¯t need anything but breast milk,she said. There¡¯s another reason, she said, to start breastfeeding early. The earlier moms start breastfeeding the more likely they are to continue breastfeeding for the first six months. And that has tremendous health benefits for babies,she said. The head of Save the Children said another obstacle to breastfeeding is a shortage of Louis Vuitton Purses healthcare workers in developing countries. When I went and had my baby at the hospital I had somebody helping me learn how to breastfeed. It¡¯s not the easiest thing in the world.
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