Fees can take a bite out of your retirement income, so it's important to be aware of what advisory or fund management fees you might be paying. Fees for a median-income two-earner family can eat up almost one-third of their investment returns over a lifetime, according to Demos, a think tank. Reining wrote on his blog that he invested in index funds, which typically have lower fee structures than actively managed funds, and individual stocks.
“Student debt has become a kitchen-table issue at this point,” says Mark Huelsman, a senior policy analyst at Demos. “Because borrowing is now a prerequisite to college, it’s now embedded in traditional issues of economic fairness and things that students tend to be active about.”
The Fix is aware that some Americans are inclined to reject, outright, the idea that some words — those that we choose to express our ideas, what we say at critical moments and that which we do not mention — have deeper, often multi-layered meaning. But to believe this, you must reject the field of social psychology — and likely political psychology, too. You must believe that all advertising (or for that matter, campaigning) is pointless and has no impact at all. It is to insist that human beings always mean only what they say.
However generous Amazon's new benefits are, whether employees actually use those benefits will depend a lot on the culture they work in and the social pressures they face.
"Amazon is notorious for its competitive work environment, and simply having access to leave may not be enough if workers feel they will be penalized in their careers for taking it," said Amy Traub, a senior policy analyst at Demos.
"The Administration strongly supports the goals of the NVRA and is committed to enforcing its requirements, as applicable," the agency said in a statement.
Jenn Rolnick Borchetta, senior counsel at Demos, called this an "almost hidden voter registration question" that does not satisfy the NVRA.
To comply with the NVRA, she said, the exchange would need to directly ask applicants if they want to register to vote because applicants are less likely to see registration information if they aren't forced to answer a question about it.
The voting rights groups say that among other things, the federal exchange should be offering to help applicants complete a voter registration form. Although many applicants use the exchange independently, others turn to its call center or to “navigator” groups that have federal grants to help people apply for coverage.
“The navigators aren’t receiving any training or direction that they have to offer voter registration services,” said Jenn Rolnick Borchetta, senior counsel at Demos.
"The Administration strongly supports the goals of the NVRA and is committed to enforcing its requirements, as applicable,” Aaron Albright, a spokesman for the HHS' Centers for Medicare and Medicaid Services, said in an email.
But the current configuration doesn't meet the specific requirements in the law regarding language and other administrative mandates, the groups say.