Twelve-year-old Dahlia has always lived at Silverton Manor-having spent fifty years as its resident ghost. When Oliver Day and his family show up as house-sitters the day Mrs. Tibbs, a Liberator sent by the Spectral Investigative Council, arrives to teach Dahlia the proper rules for ghosting, Dahlia can't wait to make new friends. But the unscrupulous ghost hunter, Rank Wiley, and the crooked town councilman, Jock Rutabartle, plan to rid Silverton Manor of its ghosts and sell it to the highest bidder. With her home and friendships at stake Dahlia may have to break the rules of ghosting as quickly as she learns them to solve the mystery of her death and save the manor. Equal parts charming and eerie, this ghostly caper hits all the right notes for the middle-grade audience.
Employers who sponsor 401(k) plans report using a range of default investment types to automatically enrol employees in their plans based on each type's design and other attributes. Department of Labor (DOL) created a regulatory "safe harbor" in 2007 to limit plan sponsor liability for investing contributions on behalf of employees into default investments when employees do not otherwise make an election. In addition, DOL identified three default investments that, if selected by sponsors, would qualify a plan for safe harbor protection. This book examines which options plan sponsors selected as default investments and why; how plan sponsors monitor their default investment selections; and what challenges, if any, plan sponsors report facing when adopting a default investment for their plan. Furthermore, this book determines what is known about the effect of automatic enrolment policies among the nation's 401(k) plans, and the extent of and future prospect for such policies; and the potential benefits and limitations of automatic IRA proposals and state-assisted retirement savings proposals.
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