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it A good question. First, ERISA is an abbreviation from Employee Retirement Income Security the Act-law on safety of pension incomes. Thanks to this law there was possible a creation of memory plans under article 401 (k). I too at first have not given special value to the fact of its acceptance, but soon my economists and lawyers have started to advise to me to make some changes in a technique of management of the enterprises. As soon as such councils became much, I have decided to carry out the careful analysis of the new law.

- And to what conclusion you have come?

it It seems that the law has been accepted to help to protect pension savings of workers from abusings from outside their employers.

- What sort of abusings? it I was not appeased.

it In practice the set of ways of abusing was applied by pension plans. Even in some large companies pension plans are provided with nothing or receive insufficient financing. And in many cases one company buys another not because it is involved with new business that is why that wishes to appropriate its pension funds which at times make ten millions dollars. This tidbit involves often pirates more than business. As a result, having bought business, the company-aggressor devastates pension funds of workers.

- They grasp other companies only for the sake of pension money? The rich daddy has nodded.

it But it not a unique kind of abusings. Them was much more. Because of these abusings ostensibly law ERISA also has been passed.

- Why you have told "ostensibly"?

it Willows than benefit for the companies consists? it Now when you already have an experience of conducting own business, allow to ask you one question: in the company the pension plan of one worker how much manages?

it Including social security payments deduction plus in the pension plan?

The rich daddy has in the affirmative nodded and has told: - Yes... So in how much?

it Very expensively, it I have responded. It I had often a desire to pay to workers more, but the latent taxes it taxes about which many workers at all do not suspect, are so great that I was unable make it. Each time when I added it the salary, the government there and then raised taxes.

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