You can typically get a loan in a few days and the companies are pretty open to this, they don't require you to submit a lot of paperwork to get a loan.

How can we tweak our plan to attract the kind of employees we want and need?

I hear concerns about the additional administrative and compliance resources necessary to run the program right and the difficulty that many feel there will be in educating the rank and file participants. It's a challenging issue to educate employees about investment concepts, and now it's important to teach them about tax planning.

In her last will, she said no one can change anything. It is to stand as provisions of the trust indicate.

The family is of course heartbroken by their loss ... but they are amazed and grateful at the support they have received.

Small companies are always right on the edge. (Setting up a retirement plan) distracts the management from their single-minded purpose of getting business in the door. You've got to make it easy for those people.

Everyone has to be treated the same, ... eligibility is not a big expense.

It is wonderful to see companies who have the commitment that these companies show. They are really trying to do the right thing with their workforce. They are good examples for the rest of American business.

They're going to prioritize where they're going to send checks. The owner or manager is using the cash funds until the miraculous rescue occurs.

This money is going to determine how you live in the long run. So if you can deal with short-term emergencies out of short-term resources, that's a better planning approach.