Texas should adopt the defined contribution reform plan that offers state and local government workers the choice of a defined contribution retirement plan in place of their current defined benefit plans. Such a plan offers great advantages for both workers and taxpayers. Over the past 20 years, private sector employers have shifted sharply towards “defined contribution” pension programs. The number of private sector employees in such plans soared from 11 million in 1975 to 43 million in 1995, an increase of about 300%.
‘Restorative reproductive medicine’ should be offered sooner
After years of struggling with infertility and several autoimmune disease diagnoses, Clara was advised to begin IVF treatment. But Clara was concerned about the stress IVF would put on her body, so she and her husband chose a different path. At the age of 38, following three cycles of restorative reproductive medicine (RRM), Clara gave...