Changes to Retirement Laws

Both the federal and the state government are working quickly o proposing laws in order to help people who are saving for or are in retirement.

This year, the federal government has introduced the “my Retirement Account” (myRA) which is a new type of retirement plan that helps those who can’t avail for employer retirement plans.

US President Barack Obama, on the other hand, has proposed several changes in the US retirement system; this includes automatic enrollment to IRAs for those who cannot avail workplace retirement plans, tax deductions for employers who offer auto-IRA to their employees, and putting a lifetime limit of $3.4 million in IRA balances.

In addition, Senator Susan Collins, R-Maine, the chairman of the Senate Special Committee on Aging, also introduced a bipartisan legislation that encourage small business employers to offer retirement plans to their workers and give them incentives that will allow them to save up for retirement.

However, all the Lexington law reviews make us think: Are there any other laws that would help Americans who desire to retire one day or those who want to keep decent living standards during retirement?

Make Retirement Plan mandatory

Many states have proposed laws that mandate the workplace to have IRA programs for employees; lllinois was the first to propose, however, other states, including California and Maryland, are not far behind.

Michael Callahan, the president of Edu4Retirement based in Southington, Connecticut and a member of the Retirement Security Board of Connecticut, said, “In general, the voluntary system has not been successful because of the onerous rules of the Employee Retirement Income Security Act of 1974 (ERISA). The cost of starting and maintaining a plan and the fiduciary liability associated with running a plan are too costly for most companies.”

Furthermore, he added, “If a small business maintains a qualified retirement plan and if more than 60% of the account balance belongs to key employees, primarily owners and family, the plan is considered top heavy and then the company is required to put in 3% of each employees’ compensation.”

However, if the company launces an IRA deferral program, then there will be no top heavy requirements.

Don’t Tie Retirement to your Workplace

According to Rob Schmansky, a certified financial planner with Clear Financial Advisors based in Livonia, Michigan, you shouldn’t tie your retirement to your employment.

He said, “Just because you work at one hospital versus another doesn’t mean you should have twice the amount you can save in a 457 plan, for example. We should all be able to save the amount in any given year, not matter if our employer offers us the option.”

In addition, another issue that should be addressed is that there should be a law that aims to help workers to save as much for their retirement as other workers.

Schmansky said, “There are a lot of problems with our employment-based system. If you are a participant in a plan for part of the year or are part-time worker, you may not be allowed to put the maximum into these plans even if you are able.

Require Investor Education

Richard Behrendt, a director of estate planning at Annex Wealth Management based in Elm Grove, Wisconsin, sees the importance of requiring investor education.

“The assertion that workers don’t have access to retirement savings plans is simply not true,” he said. People with W-2 income below the phase-out ranges can contribute up to $5,500 yearly to IRA. In addition, many of our workers can avail workplace retirement programs.

“The problem is not access, the problem is participation. What is the solution? One word: education. I’d rather see state and/or federal awareness programs to educate Americans about the importance of planning and saving for retirement. Let’s get people to utilize the programs we already have,” he added.

Loretta Lynch: On How she Handled the Felix Sater Case

The nominee for attorney general, Loretta Lynch, has finally answered the allegations that she had failed to follow important provisions of the federal law during her time at the US Attorney for the Eastern District of New York. According to the reports made by NRO, her office seemed to let self-confessed criminals walk free in the agreement that they’ll cooperate with the investigation; watched them commit more crimes; and kept the victims in the dark —- thus, refuting their legal rights to seek out restitution.

Former Judge Paul Cassell had testified in 2013 before the House Judiciary Committee, and asked them to review how Lynch handled the case. The case we’re talking about involves Felix Sater. Orrin Hatch, Utah Senator and a Republican member of the Senate Judiciary Committee, encouraged Lynch to answer the testimony of Cassell. He also asked Lynch whether she followed the federal laws in making sure that the victims of these crimes were given proper restitution.

Lynch replied via writing that the cooperation from Sater with her office was vital to national security, and declined to talk about the issue of restitution of his case.

According to Lynch, the defendant in question had given sensitive and very valuable information to the federal government when he cooperated in the investigation last December 1998. For more than a decade, he worked alongside the prosecutors from her office —- the United States Attorney’s Office for the Southern District of New York and FBI’s law enforcement agencies —- where he provided information that is important to national security, as well as conviction of more than 20 people which include those who committed financial fraud; this is primarily the reason why his case was temporarily sealed.

According to the statement made by Mr. Sater’s attorney in The Washington Times, he was given $25,000 penalty instead of paying more for his cooperation in major investigations that are essential to the national security; thus, the sentence was just appropriate for his case.

Felix Sater
In light of the issue regarding the provision of restitution to the victims, Lynch said that the restitution from defendants who cooperate is no different from the others. She added that the prosecutors in her office have fought to secure the restitution for the victims, whether or not the defendants that were sentenced have cooperated with the investigation or not.

The spokesperson of the Justice Department told The Times that the major developments of these stock fraud cases happened outside of the Ms. Lynch’s time as the US Attorney; first during 1999 and then again in 2010.

The arguments raised by the government for keeping the records of the case sealed — several of them redacted and filed during Ms. Lynch’s tenure — have been sustained in rulings by the US District Court in Brookline and the 2nd US Circuit Court of Appeals, notwithstanding the arguments that pushes for more transparency on the rights of the victims, as well as the media.

Videos Provide Signs in Search for Lost Student in the University of Virginia

Several security cameras are showing her walking on the road alone. But police shows fresh videos of a lost student of the school of Virginia seemingly present with somebody pursuing her the night she disappeared.

Surveillance cameras over the Downtown Mall in Charlottesville, Virginia, shows a video of a gentleman following Hannah Graham in early Sunday, Charlottesville Police spokesman Lt. Ronnie Roberts told CNN.A man told officers because she seemed troubled he was following Graham and later found the law enforcement office, experts said.

Authorities claimed the 2nd guy is not seen in the videos, although the person said he noticed her with another guy and that they seemed to know each other. Authorities have been looking for the 18-year old sophomore since Sunday. Her parents said that they’re nervous about anything that may have occurred to her after she left a gathering with friends during Friday evening.

"Hannah is beyond important to us," Bob Graham mentioned in a statement on Wednesday, produced by authorities. "Her disappearance really devastates us. It is entirely bad for all of US not to have seen from her, and we fear foul play."

The teen’s mysterious disappearance comes almost identical to a case five decades ago after the killing of another student in the same community, causing worries that there may be a link to the two cases. Morgan Harrington, a 20-year old Virginia Tech scholar, went missing after attending a Metallica show in Charlottesville in October 2009. Her remains were found on a plantation weeks later. Authorities have to track down her killer, and her family has long said they suspected there might be different other victims.

Could there be some link to this case and the Harrington case?

"The problem has been revealed. It’s undoubtedly a problem that was legitimate," Charlottesville Police Chief Timothy Longo told reporters Wednesday. "We’ll reveal that to you if there comes a time when we think there’s a substantial link to these two cases," he explained.

So far, law enforcement chief explained that investigators have not discovered something to link the two cases. Plus they have not observed any indication of foul play inspite of the considerations that the teenager’s parents have portrayed.

"As a guardian, I Would is really anxious, but we don’t have any information to ensure that," he explained. "But you understand, they’re speaking from their heart."

Security videos offer clues

Police identify Graham, a sophomore, as a scholar, an accomplished athlete and a good friend. She is about 5-foot-11 with blue eyes, light-brown hair with freckles, and the school explained in a launch that they are seeking for information on the teenager’s disappearance.

She quit a dinner and hanged out with friends sat around 11 p.m. Friday. Around 1: 20 a.m. Saturday, she directed friends in a text message saying she was lost, CNN affiliate WTVR noted. Police think she may have been under the influence of alcohol, Longo said, and could have now been vulnerable or struggling to defend herself.

Investigators have followed many security videos that show her that night near a gasoline station, outside a club and inside a shopping mall, Longo said. Nevertheless it’s unclear as to where she is going or whether she’s in trouble.

One video reveals her walking across the highway near a Shell station. Investigators were originally puzzled, Longo told reporters.

In later videos, he explained "it doesn’t appear in the least when this happened that she’s being pursued."

Researchers are looking for more security videos they feel could show Graham in Charlottesville, the place where she was identified by a witness.

They’ve received 100 ideas about the case and questioned 50 people, authorities said. But the investigation is far from over. As time passes, investigators stated that their search area is increasing. Investigators from the Emergency Management’s Virginia Department are doing their part, CNN affiliate WVIR described.

"This investigation continues to be aggressive and will continue to be persistent," Longo said.

CNN affiliate: Hallway has ‘famous name’ Gil Harrington told CNN internet WTVR that it’s too soon to bring a direct link between her girl’s death and Graham’s disappearance."I believe that is hasty in a way, although the thought goes there," she told WTVR. "We have to open ourselves to the possibility. We have to keep that in mind."

At this time, Gil Harrington includes a poster with images of the School of Virginia student on her refrigerator and beneath it is the phrase "ABSENT."Through "Help Save the Following Ladies," a group created after the death and disappearance of her child, she’s pressing against residents of Charlottesville to call in the shots.

On Wednesday, the group tweeted that a note had been posted by the Harringtons in big characters taped on Charlottesville Bridge and spelling out their help of the search: "PLEASE FIND HANNAH."

"You think – how can this be? Another girl is taken."

This is not the first woman to go missing within the region. The disappearances of Graham and Harrington alongside with many prior cases in the region known as the Path 29 hallway has granted the region an "infamous status," WTVR says.

"I don’t know. There is something in common about the two cases," Harrington told WTVR. "We have here a very crucial size that really needs looking at. In case you pass by the road, get lost and abducted along Route 29 — it isn’t something that is normal. "

A Father is charged of his Son’s Death 31 Years After

This has been 31 years since Stanley Guidroz claimed his 3-yearold kid was missing in Tacoma, Washington. After the detectives have reopened the long time case, they said that the claim saying the kid was missing is not the real story. Instead, after a long time, the authorities found out that his father murdered the kid.

Guidroz, 57, has been penalized with first-degree manslaughter after he confessed to the crime, explained Pierce County Prosecutor Mark Lindquist on Tuesday. “That is another achievement for that Cold Case Product,” said Lindquist. “Justice concerns, regardless of how long it takes.”

Guidroz reported his child went missing in January 1983, showing to Tacoma authorities that his child was gone in a town park when they had went for fishing. Guidroz said he assumed a family they had met inside the playground had kidnapped his kid, prosecutors said.

Authorities were unable to identify a family that matched the outline Guidroz provided them, plus they were unable include Guidroz as a suspect for the boy’s disappearance. For a long time of what happened to Wallace, the mystery remained not solved.

Guidroz according to some people left Washington State and did not return to a press release from the Pierce County Prosecutor’s Office. In 2011, a Detective in the name of Gene Miller reopened the long unsolved case. Cooper observed that the claims of Guidroz never appeared to add up and analyzed outdated files in the preliminary study.

There have been many inconsistencies in Guidroz’s consideration of the case from the evening when Wallace went missing,” the release stated. Guidroz resurfaced after stories in Louisiana in March 2011 that he had been priced in the killing of his girlfriend, who is not the mother of Wallace.

When they had gotten into a disagreement of stabbing his partner in multiple instances, Guidroz was convicted. He drove around aimlessly with her body within the back of his vehicle before driving into a nearby police station and confessing towards the killing, according to CNN affiliate WWL. Miller went to concern Guidroz about the disappearance of Wallace, this is in connection with the killing of his daughter. However, Guidroz initially presented several more versions of his initial account but in the end, he apparently admitted.

Guidroz said he and Wallace returned home but that he “dropped it” after Wallace began fussing in his high chair. Guidroz said he hit on the child who triggered the kid to slide to the floor and hit on his brain. Wallace was not responsive after the fall andGuidroz informed Miller he believed he was lifeless but that he was fearful of being labeled as a “child killer” in jail. Guidroz then called police to report his kid missing and buried Wallace near the Tacoma waterfront, prosecutors said. As of now, Guidroz is being held in LA imprisonment for his partner’s killing. A warrant has been supplied to go back to California condition, prosecutors say. It is uncertain whether Guidroz has maintained a legal counsel.

San Francisco Is Going To Fund Kids’ Immigration Lawyers

San Francisco lawmakers are moving toward offering $2.1 trillion for lawyers to represent undocumented immigrant kids after crossing the U.S. boundary to escape from the harsh violence happening in Central Africa.

The number of cases pending in San Francisco Immigration Court has tripled in the past 36 months, making a shortage of attorneys to represent kids and others there. “These children are escaping persecution and violence and since they want to be safe, they are coming to this country,” stated David Campos, the San Francisco lawmaker who gave the capital proposal. “We being a state have an obligation to at least provide these children Campos themselves before appearing in an immigrant from Guatemala.

San Francisco is the fourth largest area in California is among the municipalities that have 127 unaccompanied minors and were apprehended since July. These undocumented children came from Guatemala, Honduras, El Mexico and Salvador. Immigration courts were confused much more when President Barack Obama directs them to act more on these deportation cases.

A number of towns and claims including California are joining Bay Area in offering various aids. Florida, Dallas, St. Bell and Louis have taken measures to accommodate immigrant kids who have no relatives within this region. In Texas, the state’s intervention has been deployed by Governor Rick Perry.

Legal Services

California Governor Jerry Brown has provided regulation steering $3 million to non-profit communities offering appropriate services and Massachusetts Governor Deval Patrick in September planned two strategies in orders to solve the increasing problem. Republican governors in Kansas, Alabama and Vermont directed a correspondence to President Barak Obama indicating the disappointment to return the kids can encourage more to mix the edge.

The Bay Area Board of Supervisors unanimously accepted the appropriate assistance on Sept. 16 and will take a second required vote on Sept. 23. Although Mayor Ed Lee can agree or veto the measure, the board gets the service required to bypass a veto. The mayor facilitates it to be opposed and effort plan, mentioned by his spokeswoman, Christine Falvey.

Marvin De Leon- Sanic, 17, was among the 17 minors who appeared by a grown-up and have been scheduled to appear in San Francisco Immigration Court on Sept. 16. The boy entered into Illinois in July because his parents and their property place in Guatemala have been intruded by bad groups of people. This made him escape from his community in Guatemala, he said within an interview before going to a judge who recommended him to find a lawyer.

“They murdered people who were in his place,” De Leon-Sanic added. This boy is together with a brother in Hayward, Florida, reported in Spanish within an interview in the court. He further said that he does not want to happen it to him, the reason why he escaped. Other youngsters are also facing possible deportation; one of them is a 16-yearold girl who escaped from Guatemala due to rape hazards from gang members plus a 14-yearold lady from El Salvador who claimed she is pregnant because of rape. All were manifested by pro-bono lawyers for that time and were recommended to find their particular attorneys.

28, Paola Ramos was where San Francisco superiors approved the authorized money among a group of immigrants who attended the conference.

Ramos, a house cleaner who stated she cannot afford a lawyer on her behalf during the October immigration reading, claimed she left Honduras along with her 5-yearold daughter Axa after gang members wanted monthly bribes from her shrimp business and confronted that her life will be taken if she will not give them the amount of money. The 2 were kidnapped twice as they sailed by cargo trains to get in for a month but they crossed the U.S. border in September, Ramos said.

“I knew it was a big chance to really make the vacation, however the threats were so real that I believed I would risk my life to get my child here she mentioned at Bay Area City Area in an appointment.

Immigration attorneys claimed that the information in June has gotten the situation worse when President Obama instructed them to increase efforts of the cases, spurring a so-called Rocket Docket that started in September where cases are observed en masse and court appointments are appointed earlier.

In a June 30 correspondence to Congress, Obama stated he would guide asylum authorities, lawyers and more immigration judges to enable the fast removal of every individual who will not become eligible for asylum.

Tripled Caseload

How many juvenile cases recorded inside fiscal 2014’s first seven months in San Francisco Immigration Court has virtually tripled to 865 from 3 years earlier according to a Sept. 2 investigation from Legal Analyst’s workplace and the Budget. Instances with appropriate representation have declined because the caseload surged in the last couple of years, in line with the document.

Why it has been this kind of situation for people,” explained by an immigration lawyer at Dolores Street Community Companies, Ana Herrera in Bay Area. “There is simply no capacity for the several pro-bono lawyers that you can get while in the metropolis to accompany the kids to court.

Of averting removal, the odds are much better for anyone using a lawyer, claimed a July 15 record introduced by Syracuse University in New York. Surfaces granted children to stay in 47 percent of situations who have lawyers. On the other hand, nine out of 10 kids who seemed alone and without representation were deported, the report stated.

Page 1 of 912345...Last »