Doris Washington recently assumed her new position as HR Director at t.docx

•Download as DOCX, PDF•

0 likes•3 views

Doris Washington recently assumed her new position as HR Director at the XYZ Company, a software development firm with approximately 350 employees. Her staff includes a seasoned generalist as well as a benefits clerk. During her first 90 days on the job, Doris has noted the following issues that seem to be embedded in XYZ\'s culture: 1) managers create their own interview questions; 2) for some employees, their compensation is simply determined by managers, not based on training, experience, geographic region, and so on; and, 3) the company seems to draw new employees from only two sources, one is the university from which the President of the company graduated. While Doris has been contemplating these trends, the CEO has asked her to attend a strategic planning meeting about opening the company\'s first location on in Toronto, Canada in approximately nine months. She needs to provide a recommendation to the CEO that can be used appropriately. Instructions: Solution 1. Four potential issues faced by Doris as a HR director are listed below: 2. Key issue: The Company does not follow a standard process for hiring the employees as managers of the company uses their own set of interview questions. This would be one of the most difficult problems for the company, because uneven hiring process might result in hiring of incompetent employees. In future, such employees would not be able to contribute towards the company .

Education

Doris Washington recently assumed her new position as HR Director at t.docx

Chapter 2 Supplemental Case Xerox Focuses on HR Xerox is a widely known firm worldwide, but it has been through numerous crises in the past decade. In fact, at one point several years ago, there were questions about Xerox surviving as a firm. But no longer. Under the leadership of Anne Mulcahy as CEO, Xerox has rebounded Numerous strategic business and financial decisions had to be made, including reducing the workforce by 30,000. But Mulcahy also stressed that HR had to become a more strategic contributor One of the actions taken was to consolidate a number of HR fu and has added Internet-based systems to make HR services more accessible to nctions from different business into a corporate HR Service Center. This center performs many administrative transactions managers and employees To track employees\' views on the company and HR, employee surveys on the company intranet have been used for several years. Areas at which lower scores were recorded have been addressed by HR staff and other managers. The survey results have led to another primary focus at Xerox: employee retention. With all of the reductions and organizational restructurings, keeping the remaining employees, especially high-potential ones, has been a continuing emphasis. Xerox has invested significant time and resources into training and development of its employees, an important retention factor. Greater use of e-learning, technology, and leadership development have paid off in reducing turnover and convincing employees that career opportunities exist at Xerox. Continuing competitive pressures are presenting new challenges for Xerox and its HR staff. The strategic importance of HR has been demonstrated in the past and looks to be a part of the firm\'s future.4 Questions 1. Discuss the challenges faced by HR management when significant staff cutbacks occur and how they should be addressed 2. Use of technology, employee retention, and HR development have been at the core of HR becoming more strategic at Xerox. Why have those areas been so key? Solution 1. Challenges : A. Need of Restructuring of organization : organization needs to arrange and reallocate current employees. B. Investing time again : organization has to build trust with the employees again as not following up on this can lead to a negative workplace environment. C. An environment of suspense and distrust: employees feel less belonged to organization and doubt that they might get laid off from the job as well. D. Costs to train and develop new employees : since new or existing employees would be required to Take up some jobs, costs are bound to occur..

Challenges Faced By Human Resource Managers in The Era Of Gloablization

eatableinterior96

Yahoo Human Resource Management Case

Rahul Goyal

Subjective assignment 2 human resource outsourcing

Neerja Anand

New trends in hrAabid Diwan

New trends in humar resource

Aabid Diwan

Program Summaries - 2015 Space Coast HR Conference

Tina Kuga Garrell, MHR

Program Summaries - 2015 Space Coast HR Conference

Tina Kuga Garrell, MHR

This webinar explores key RPO business case concepts and showcase an innovative recruiting cost modeler to help you overcome challenges associated with creating a holistic business case for recruitment process outsourcing (RPO). Webinar highlights: • Provides a holistic analysis of your current state recruiting program • Contributes to the development of a solid Recruitment Process Outsourcing (RPO) business case • Provides a step by step approach to streamlining your communication for your RPO business case to leaders within your organization • Uses intellectual capital and solution architect expertise gained over numerous RPO solutions and implementations Presenters: • Dawn Pellar, Global RPO consultant currently a member of IBM’s Global Process Services Group for HRO • Valerie Egan, Head of Resourcing-North America for Linde

Hr Case Study

Kondalarao Bysani

Experienced Consulting Approach Leads Engineering Firm to the Right CFO

CBIZ, Inc.

Employer branding christUniversity students

Sarasvathi T.A

SuccessFactors Magazine Edition 3

Chris Palmer

Ética em Consultoria - em inglêsRoberto Silva

Computerworld Class of 2014 YearbookKaren Sullivan, CISSP, CISA

Client case study - Wireless Social

RyanJones418

The 4 key_elements_of_employee_engagementAjay Thaokar

Cognizant details

Arjun Ravindran

GrievanceShalini Agarwal

Human_Resource_Management_Textbook.pdf

Kiran Dubb

RecruitingLaTrice S. Canada, MSc

Competency Modeling

Profiles Asia

A company’s challenge is not in the development of a competency model! The real challenge is in maximizing the return-on-the-investment of the cost of developing the competency model through the efficient and practical integration of the competency model in the natural processes used by the companies in the selection, onboarding, performance management, training, development and succession planning. In this webinar you will learn: How to determine which competencies are selectable, developable and trainable. How to seamlessly integrate the competency model into the natural processes used to maximize employee productivity and company performance. How to socialize the competency model resulting in greater buy-in by those directly impacted by the model. The do’s and don’ts of competency integration.

Recruitmentandselection

waleed sayed

Placement consultants delhi

satenderseo

Placement consultants delhi

satenderseo

Recruitment And Selection

harshalsk

Outsourcing Mikena Çako

Identify which of the following is NOT a TCP-IP Attack- Question 5 opt.docx

edwardk6

Identify which of the following is NOT a TCP/IP Attack: Question 5 options: a) SQL Injection b) Source Routing Attack c) IP Spoofing Attack d) SYN Flood Attack The software-based access control that identifies data items that require different types of protection is: Question 8 options: a) encryption b) need to know c) internal security labeling d) integrity checking A point of presence system that analyzes network traffic to detect leaking data is: Question 19 options: a) a data loss prevention system b) an intrusion detection system c) an intrusion prevention system d) a DMZ Solution 5) a) SQL Injection 8) c) internal security labeling 19) a) a data loss prevention system .

Identifying Matter- Physical Properties (Section 1-4 15- The elements.docx

edwardk6

Identifying Matter: Physical Properties (Section 1.4 15. The elements sulfur and bromine are shown in the photograph. Based on the photograph, describe as many proper tiles of each sample as you can. Are any properties the samme? Which properties are different? Sulfur and bromine. The sulfur is on the flat dish; the bromine is in a closed flask. ou see a crystal of the min- Solution Physical form - Sulfur is in solid form whereas Bromine is a mixture of liquid and vapour form. No similarity is present. This property is completely different Color - Sulfur is light yellow color whereas Bromine liquid and vapour both has dark orangish color. No similarity is present. This property is completely different. Volatility - sulphur is not volatile and kept open in the atmosphere whereas bromine liquid is volatile and kept in a closed flask otherwise all Bromine liquid will convert to Bromine vapour and this vapour will dissipate in atmosphere. No similarity is present. This property is completely different. .

Similar to Doris Washington recently assumed her new position as HR Director at t.docx

Todd John's Case Analysis

Kavita Choudhury

Building a Business Case to Support Your RPO Decision

HROAssoc

Hr Case Study

Kondalarao Bysani

Experienced Consulting Approach Leads Engineering Firm to the Right CFO

CBIZ, Inc.

Employer branding christUniversity students

Sarasvathi T.A

SuccessFactors Magazine Edition 3

Chris Palmer

Ética em Consultoria - em inglêsRoberto Silva

Computerworld Class of 2014 YearbookKaren Sullivan, CISSP, CISA

Client case study - Wireless Social

RyanJones418

The 4 key_elements_of_employee_engagementAjay Thaokar

Cognizant details

Arjun Ravindran

GrievanceShalini Agarwal

Human_Resource_Management_Textbook.pdf

Kiran Dubb

RecruitingLaTrice S. Canada, MSc

Competency Modeling

Profiles Asia

Recruitmentandselection

waleed sayed

Placement consultants delhi

satenderseo

Placement consultants delhi

satenderseo

Recruitment And Selection

harshalsk

Outsourcing Mikena Çako

Similar to Doris Washington recently assumed her new position as HR Director at t.docx (20)

Todd John's Case Analysis

Building a Business Case to Support Your RPO Decision

Hr Case Study

Experienced Consulting Approach Leads Engineering Firm to the Right CFO

Employer branding christUniversity students

SuccessFactors Magazine Edition 3

Ética em Consultoria - em inglês

Computerworld Class of 2014 Yearbook

Client case study - Wireless Social

The 4 key_elements_of_employee_engagement

Cognizant details

Grievance

Human_Resource_Management_Textbook.pdf

Recruiting

Competency Modeling

Recruitmentandselection

Placement consultants delhi

Recruitment And Selection

Outsourcing

More from edwardk6

Identify which of the following is NOT a TCP-IP Attack- Question 5 opt.docx

edwardk6

Identifying Matter- Physical Properties (Section 1-4 15- The elements.docx

edwardk6

Identifying aclds and bases by their reaction with water Kri Some chem.docx

edwardk6

Identifying aclds and bases by their reaction with water Kri Some chemical compounds are listed in the first column of the table below. Each compound is soluble in water. Imagine that a few tenths of a mole of each compound is dissolved in a liter of water. The important chemical species that would be present in this solution are written in the second column of the table. Use the checkboxes to classify each compound. type of compound (check all that apply) important species present when dissolved in water compound strong weak strong weak acid acid basebase ionic mol KCI K CI, H,0 NH, HNO ?? NH OH NH, H20 H,o\'. C,H,0 Solution The species that give off their H+ readily are strong acids and those who dissociate partially are called weak acids. The species that give off OH- ions readily are strong bases and those who dissociate partially are weak bases. The ionic compounds have ionic bonds between the ions , whereas molecular compounds do not. So here : KCl = ionc , NH3 = molecular , weak base HNO2 = molecular , weak acid HCl = molecular , strong acid .

Identify the two primary sources of stockholders equity- and which sou.docx

edwardk6

Identify the two primary sources of stockholders equity, and which source would be considered to be internally generated? Solution Stockholders equity is built on two parts Paid Up capital: When initially shares are issued in an IPO to the public the stockholder\'s equity has two parts i.e. face value of shares and the additional paid up capital i.e. price at which share was sold in the IPO less the face value. Retained Earnings: Retained earnings form the second component of the Stockholder\'s equity. Each year a part of Net Income might be paid off by the company as dividend to preferred and common share holders. The amount left after paying dividends is called retained earning and is added to stock holder\'s equity. Retianed earnings are the internally generated source of stockholder\'s equity becasue it comes from the earnings of the organization which are generated by selling products and not by accessing capital markets. .

If you had a system- that had large amounts of daily data inflows- tha.docx

edwardk6

If you had a system, that had large amounts of daily data inflows, that you were running queries on yearly data, how would you position Flume,Hive and Impala for this system Solution As we have system that have large amount of daily data inflows, and we also running queries on yearly data, in this case its important to collect and analyze the data. This collection of logs of the data is being done by Flume and Hive. This is why Flume and hive lots of importance in the system where we are dealing with large amount of data. We required to collect the logs because of following reasons: 1. In error scenario, if we have proper logs then its easy to go to the root cause of the problem. 2. These logs provides the proper picture of the system, its in\'s and out\'s of the system. Flume is basically a opne-source software used for log collection. Its also can be used for montioring the log files, by installing it to various host machines. Hive integration can be done with Flume to get more features. Impala is also used for data analytic\'s and its also open-source to use. .

If two points are in a common reference frame- then a They are not in.docx

edwardk6

If two points are in a common reference frame, then a They are not in motion relative to each other. They are not accelerating relative to each other. They are in the same gravitational field. They must be the same point. Solution the motion has to be described with respect to a reference frame Now in the given scenario if both the particles are in the same frame of reference, it may be possible that both of them are moving with respect to the frame of reference. With the given options, it is most likely that they are not moving relative to each other. (a) any information about the nature of reference frame could have been more useful. .

Identify at least two types of system architectures that work well in.docx

edwardk6

Identify at least two types of system architectures that work well in a hierarchical arrangement. Solution Two types of system architectures that work well in a hierarchical arrangement are 1) Centralized Architecture => Hierarchy is built into its system by default. All clients are connect to a centralized server, defaulting in a hierarchical setup. The applications within the server/mainframe would need to have a command structure whereby the clients would be given distributed access to the varying components of the application. This command component could simply be a protocol, but nevertheless, would sit above the rest of the structure creating an application hierarchy, as well as hardware. 2) Client/Server Architecture => The client/server setup where system is splitted into clients and servers. Thus server is on top distributing data as per requests from the clients below. There is a single server or a cluster of servers which services multiple clients, creating an intrinsic hierarchical architecture. .

Identify and prioritize information assets- Identify and prioritize th.docx

edwardk6

Identify and prioritize information assets. Identify and prioritize threats to information assets. Choose a company (any company that interests you) to use as your company (You may also use your personal system as your company). You will assume the role of the Chief Security Officer of the company. You will identify all of your security assets. You will then identify and prioritize the threats to those assets. See NIST Special Publication 800-26 for guidance in doing the self-assessment. Solution In information security, computer security and network security an Asset is any data, device, or other component of the environment that supports information-related activities. Assets generally include hardware (e.g. servers and switches), software (e.g. mission critical applications and support systems) and confidential information.Assets should be protected from illicit access, use, disclosure, alteration, destruction, and/or theft, resulting in loss to the organization. .

If the Android platform you are developing for does not support fragme.docx

edwardk6

If the Android platform you are developing for does not support fragments, how would you go about providing fragment-like processing in you Android Application ? Hints: Would you have multiply activities? Which UI elements (controls/widgets) would you use? Solution A Fragment represents a behavior or a portion of user interface in an Activity.. One big reason to stick with the SupportFragment for a while is that you do not have access to the ChildFragmentManager until API17. Instead of creating fragments we can use by custom views for mutliple display. Letâ€™s implementation of fragments in views. First, weâ€™ll have the notion of a Container, which can show an item and also handle back presses. The activity assumes thereâ€™s always a container and merely delegates the work to it. The list is also quite trivial. Now, the meat of the work: loading different XML layouts based on resource qualifiers. Using custom views works great, but we would like to isolate business logic into dedicated controllers. we call those parameters. This makes the code much more readable and facilitates testing. MyDetailView could look something like this Make your fragments shells of themselves. Pull view code up into custom view classes, and push business logic down into a presenter that knows how to interact with the custom views. Then, your fragment is nearly empty, just inflating custom views that connect themselves with presenters: At that point you can eliminate the fragment .

E13-7 On January 1- 2010- the stockholders-' equity section of Nunez C.docx

edwardk6

E13-7 On January 1, 2010, the stockholders\' equity section of Nunez Corporation shows: Common stock ($5 par value) $1,500,000; paid-in capital in excess of par value $1,000,000; and re tained earnings $1,200,000. During the year, the following treasury stock transactions occurred. Mar. 1 Purchased 50,000 shares for cash at $15 per share. July 1 Sold 10,000 treasury shares for cash at $17 per share. Sept. I Sold 8,000 treasury shares for cash at $14 per share. Instructions (a) Journalize the treasury stock transactions. Solution Journalize the treasury stock transactions. (For multiple debit/credit entries, list amounts from largest to smallest eg 10, 5, 3, 2.) Date Account/Description Mar.1 Dr Treasury stock 750,000 (50,000 x $15) Cr Cash 750,000 July 1 Dr Cash 170,000 Cr Treasury stock 150,000 (10,000 at COST of $15) Cr Paid-in cap. from treasury stock 20,000 At this point your Paid-in cap. from treasury stock stands at $20,000 (credit). Sept. 1 Dr Cash 112,000 (8,000 x $14) Dr Paid-in cap. from treasury stock 8,000 Cr Treasury stock 120,000 (8,000 at COST of $15) .

E 4- Elijah Samuels and Tony Winslow agreed to form a partnership- Sam.docx

edwardk6

E 4. Elijah Samuels and Tony Winslow agreed to form a partnership. Samuels contributed $200,000 in cash, and Winslow contributed assets with a fair market value of $400,000. The partnership, in its initial year, reported net income of $120,000. Calculate the distribution of the first year\'s income to the partners under each of the following conditions: 1. Samuels and Winslow failed to include stated ratios in the partnership agreement. 2. Samuels and Winslow agreed to share income and losses in a 3:2 ratio. 3. Samuels and Winslow agreed to share income and losses in the ratio of their original investments. 4. Samuels and Winslow agreed to share income and losses by allowing 10 percent interest on original investments and sharing any remainder equally. Solution 1. When there is no stated ratio then profit distributed equally Share of Samuels = 120000x1/2= 60000 Share of winslow= 120000x1/2 = 60000 2. Share of Samuels=Â Â 120000x 3/5 = 72000 Share of winslow= 120000x2/5 = 48000 3. Value of investments= Samuels (200000) + Winslow (400000)= 600000 Share of samuels = 120000x200000/600000 = 40000 Share of winslow = 120000x 400000/600000= 80000 4. Income after interest on investments = 120000- 600000x10%= 60000 Share of samuels = 60000x1/2 = 30000 Share of winslow = 60000x1/2 =30000 .

During October- Wichita Light Company experiences the following transa.docx

edwardk6

During October, Wichita Light Company experiences the following transactions in establishing a petty cash fund. Journalize the entries in October that pertain to the petty cash fund. (Credit account titles are automatically indented when amount is entered. Do not indent manually.) Date Account Titles and Explanation Debit Credit Oct. 1 Oct. 31 During October, Wichita Light Company experiences the following transactions in establishing a petty cash fund.Journalize the entries in October that pertain to the petty cash fund. (Credit account titles are automatically indented when amount is entered. Do not indent manually.) Solution Petty Cash Fund Business generally keeps small amounts of cash to meet small obligations such as emergency supplies, small delivery charges etc. This is called petty cash fund. The person who is responsible for maintaining the petty cash fund, documentation of disbursements made, and reconciling the petty cash is called .

During a total lunar eclipse- in which the moon passes entirely into t.docx

edwardk6

During a total lunar eclipse, in which the moon passes entirely into the shadow of the earth as cast by the sun, the moon is not completely dark, but is often a deep red in color. The shade of red varies widely from one total eclipse to the other. Why? 1. During the sunset, the Sun transfers some red light to the moon. 2. The earth acts like a giant water drop because of its oceans, and the moon winds up 3. None of the worldâ€™s sacred holy books discuss this situation, so it must be forever a total mystery. 4. Low frequencies pass more easily through the long grazing path through the Earthâ€™s atmosphere to be refracted finally onto the moon. 5. High frequencies pass more easily through the long grazing path through the Earthâ€™s atmosphere to be refracted finally onto the moon. Solution 4) Some light from the sun passes through Earth\'s atmosphere and is bent toward the moon. Low frequencies (red is having low frequency and highest wavelength) pass more easily through the long grazing path through the Earthâ€™s atmosphere to be refracted finally onto the moon. .

During 2011- Arthur Corportation reported a net income of $3-059-000-.docx

edwardk6

During 2011, Arthur Corportation reported a net income of $3,059,000. On January 1, Arthur had 2,800,000 shares of common stock outstanding. The company issued an additional 1,680,000 shares of common stock on October 1. In 2011, the company had a simple capital structure. During 2012, there were no transactions involving common stock, and the company reported net income of $4,032,000. 1. Determine the weighted-average number of common shares outstanding each year. 2. Compute earnings per shre for each year. Solution Answer : 1. weighted-average number of common shares outstanding each year. Note : = (3/4 * 2,800,000) +(1/4 *1,680,000) = 2,100,000 + 420,000 = 2,520,000 In year 2012 new shares are not purchased hence (Opening balance * 1) = 4,480,000 2. earnings per shre for each year Note : earnings per share = Net Income / Weighted Average No of outstanding shares .

Driving School has 4 learning centres- The network of each learning ce.docx

edwardk6

Driving School has 4 learning centres. The network of each learning centre is a LAN of its own. Network Cheap is contracted to install network connections between the learning centres. Network Cheap proposed to use RIP version 2. As the CEO of Driving School, will you accept this proposal? If you do not accept the proposal, what would you use for the routing protocol? Give your reasons. Solution IGRPâ€”Interior Gateway Routing Protocol , EIGRPâ€”Enhanced Interior Gateway Routing Protocol or OSPF V2â€”Open Shortest Path First came to a mind but RIP V2â€”Routing Information Protocol is a good choice The characteristics of RIPv2 follow: Distance-vector protocol. Uses UDP port 520. Classless protocol (support for CIDR). Supports VLSMs. Metric is router hop count. Maximum hop count is 15; infinite (unreachable) routes have a metric of 16. Periodic route updates sent every 30 seconds to multicast address 224.0.0.9. 25 routes per RIP message (24 if you use authentication). Supports authentication. Implements split horizon with poison reverse. Implements triggered updates. Subnet mask included in route entry. Administrative distance for RIPv2 is 120. Used in small, flat networks or at the edge of larger networks. IGRP Converges slowly infact slower than RIP and for IGRP , OSPF or EIGRP all routers must be from Cisco Systems ( big constraint) .

Donnie Hilfiger has two classes of stock authorized- S1 par preferred.docx

edwardk6

Donnie Hilfiger has two classes of stock authorized: S1 par preferred and S0.01 par value common. As of the beginning of 2015, 200 shares of preferred stock and 3,900 shares of common stock have been issued. The following transactions affect stockholders\' equity during 2015: March 1 Issues 1,000 shares of common stock for $41 per share. May 15 Repurchases 600 shares of treasury stock for S34 per share. July 10 Reissues 100 shares of treasury stock purchased on May 15 for $39 per share. October 15 Issues 100 shares of preferred stock for $44 per share. December 1 Declares a cash dividend on both common and preferred stock of SO.55 per share to all stockholders of record on December 15. (Hint Dividends are not paid on treasury stock.) December 31 Pays the cash dividends declared on December 1. Donnie Hilfiger has the following beginning balances in its stockholders\' equity accounts on January 1, 2015: Preferred Stock, S200; Common Stock, S39; Additional Paid-in Capital, $75,000; and Retained Earnings, $30,000. Net income for the year ended December 31, 2015, is $10,700. Taking into consideration all the transactions during 2015, respond to the following for Donnie Hilfiger: 4 .56 points Prepare the statement of stockholders\' equity for the year ended December 31, 2015. (Amounts to be deducted should be indicated by a minus sign.) Solution Par Value = 1000*0.01 = 10 Additional Paid in Capital = 40990 Par Value = 100 Additional Paid in Capital = 4300 .

Doppler Effect- True or False John is listening to a horn- He knows th.docx

edwardk6

Doppler Effect: True or False John is listening to a horn. He knows the frequency of the horn is 300 Hz when both he and the horn are at rest. If he hears a pitch of 330 Hz, there are clearly several possibilities. For each of the following statements, indicate whether it is correct or incorrect. Both can be moving and have different speeds, Both can be moving and have the same speed John and the horn are both moving in the same direction but John is behind and moving faster than the horn. Both can be moving, in opposite directions. John is moving towards the horn at rest. The distance between John and the horn is increasing with time. Submit Answer Tries 0/10 Solution QUESTION: A) John is moving towards the horn at rest. B) Both can be moving and have the same speed. C) Both can be moving and have different speeds. D) Both can be moving, in opposite directions. E) The distance between John and the horn is increasing with time. F) Both cannot be moving in the same direction. ANSWER: A) True, when John moves towards the horn, it is the same as if he stood still and the horn moved towards him. B) True, if they are moving toward each other at the right speed, John would hear more waves per unit time, thus a higher frequency. C) True, the horn could be getting closer to John. D) True, same as B, they can approach each other to achieve this effect. E) False, it must be decreasing to hear a higher frequency. F) False, they could be. If both are moving and the horn is catching up to John, this effect could be achieved. .

DQ #4 Explain the US Government Thrift Savings Plans-SolutionThe US Go.docx

edwardk6

DQ #4 Explain the US Government Thrift Savings Plans. Solution The US Government Thrift Savings Plans is a defined-contribution plan designed to give federal employees the same retirement savings related benefits which will be equal to that of workers in the private sector enjoy with 401(k) plans. Contributions to these plans are automatically deducted from each paycheck of federal employees. The thrift savings plan offers six different funds (government security fund, fixed-income fund, common stock fund, small cap stock fund, international stock fund and a life cycle fund) in which federal employees can invest. Because the thrift savings plan is based on tax-deferred contributions, any contributions made into it will not be taxed until the money is withdrawn, which can be deferred until retirement. Other Benefits of these US Government Thrift Savings Plans includes 1) agency matching contributions 2) agency automatic contributions 3) catch up contributions and 4) low expense ratios. .

More from edwardk6 (18)