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Making 3% every dollar earned by every American put in a 401K of their choosing would be steroids to the economy. It would need to be highly regulated and transparent for the individual. Any nefarious behavior by caretakers needs to become taboo and criminally prosecuted with the passion of a thousand suns. At the least for Bernie Madoff types, their fortune must be taken, a prison sentence with the key is thrown away and family name ostracized from the whole society. Handling someone’s retirement should be treated with the same care as open-heart surgery. Only the most ethical and credentialed financial people should be involved. Those three changes would significantly add to the economy and solvency of social security. Raising the age to 68 could be ‘third rail’ type politics. But if the system risks insolvency, it would be acceptable. Politicians doing what’s good for the country over their political existence…this seems unlikely. It’s the citizen that must sacrifice.
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Back in 2000, I was into Dodge and Plymouth Neons. I drove a 1995 model that I’d modified for higher performance, but I was looking for an ACR model, the car that was built by the factory for the spec-racer series.At my hometown lot, Gildner Dodge, in Arkadelphia, AR, I ran across one, a brand new 1997 model. It had been sitting on the lot for three and a half years. It had A/C, and they’d installed a cheap aftermarket radio. The ACR wasn’t more expensive when new, and by this point, the spec-racing series was no more. It was just another Neon. They didn’t even know it had every been anything unusual. However, they refused to take a dime under sticker, plus the markup for the cheap aftermarket stereo.