Save It For Later
This provision in SECURE 2.0 requires employers to enroll employees at a starting contribution rate between 3% and 10% of their pay, with the rate increasing by 1% each year until it reaches at least 10% but not more than 15%.
What is Automatic Enrollment
A discretionary asset allocation program offered to Plan Participants that is based upon a model or program constructed by a professional service provider.
What is a Managed Account
Launched by OpenAI on November 30, 2022 as a free research preview. Its rapid, unprecedented growth in users set the record for the fastest user growth in internet history, reaching 1 million users in five days and 100 million in just two months.
What is ChatGPT
L. Frank Baum, author of The Wizard of Oz was born and raised in Chittenago and he is still very celebrated there. In this town, you can walk on sidewalks made of this material.
What is Yellow Brick
This is the only edible food that never expires.
What is honey
Bill Sharpe, a Nobel Prize-winning economist, described this challenging process of converting retirement savings into a usable, sustainable stream of income for life, often described as "the nastiest, hardest problem in finance".
What is Decumulation
The constraints on securities and portfolio composition that are applicable to the account.
What are the Investment Guidelines
This asset had its best year since 1979, surging past $4,000 per ounce and rising over 50% in 2025, putting it on pace for its largest annual gain in more than 45 years.
What is Gold
Most rivers flow toward the ocean or some other large body of water. This river in New York flows both ways. Because the elevation of the river does not increase much between New York City and Albany, this river is affected by the tide for almost half of its 315-mile length. The tide changes every six hours, so the river flows north for six hours, then south for six hours, on and on forever. It's a very uncommon phenomenon!
What is the Hudson River
As of 2025, the U.S. has a total electricity generating capacity of approximately 1,000 gigawatts (GW), and analysts project the country will need an additional 50 to 123 GW by 2030–2035 because of rapid growth in this application.
What is AI
This "employee-based" retirement saving plan type was created first.
What is the 403(b) Plan created in 1958. IRA’s followed suit in 1974, and finally the 401(k) was established by Congress in 1978.
A specific event or series of events, that if they occur and are not cured in a defined period of time, may provide this right to the issuer of a wrap contract.
What is a Termination Event(s)
This entity is the central bank of the United States, responsible for conducting the nation's monetary policy to promote maximum employment and stable prices. It also supervises and regulates banks and maintains the stability of the financial system. Established in 1913, it is structured as an independent entity.
What is the Federal Reserve
Leo Hirschfield invented this candy in New York City and named it after his daughter. Introduced in 1896, the candy initially sold for one penny.
What is the Tootsie Roll
What sport were women allowed to play in the Olympics for the first time?
What is tennis
This company’s bankruptcy in 1963 was a major catalyst for the creation of the Pension Benefit Guarantee Corporation.
Who is Studebaker. When Studebaker terminated its employee pension plan more than 4,000 auto workers lost some or all of their promised pension plan benefits. Congress passed the Employee Retirement Income Security Act (ERISA) in 1974, which established the Pension Benefit Guaranty Corporation (PBGC).
A similar but separate contract issued when an employing unit, subsidiary, or affiliate participating in the Plan is sold or terminates its relationship with the Contractholder.
What is a Clone Contract
This form of tokenized digital money using blockchain technology is designed to maintain a stable value, typically pegged one-to-one with conventional fiat currencies, most commonly the U.S. Dollar. Their primary purpose is to serve as a medium of exchange in digital assets or for payment settlement.
What is a Stablecoin
In the 1930s, this famous hotel in New York City added a secret subway station so President Franklin Delano Roosevelt could enter from below.
What is the Waldorf Astoria
In what year was the internet opened to the public?
What is 1993
In what year was the first Social Security payment made?
What is 1940. The first Social Security payment was made to Ida May Fuller on January 31, 1940 in the amount of $22.54. A teacher and legal assistant from Vermont.
A reduction to the value of an insurance separate account contract that may occur if early termination is elected by the plan sponsor.
What is a Market Value Adjustment (MVA)
As of May 2025 this country holds the most U.S. Treasury bonds among foreign countries, with recent figures showing holdings around $1.14 trillion.
What is Japan. The United Kingdom ($809 billion) is the second-largest holder, followed by China ($756 billion).
Sam Wilson was a meatpacker from Troy. During the War of 1812, he stamped "U.S. Beef" on his products; soldiers joked that the U.S. stood for this person and soon this mythical character based on a real person was an icon. Sam Wilson is buried in Troy's famous Oakwood Cemetery and is still a local celebrity more than 200 years later.
Who is Uncle Sam
In 1974, this was the first product scanned by a UPC scanner.
What is Wrigley's Juicy Fruit gum