Showing posts from 2014

JGW Web Services

Just Got Word LLC was recently awarded a custom website development contract by a major construction company based in Colorado.  Just thought we should get the word out that we can help your organization design and post custom websites.  If you need your old website replaced by something imaginable and creative, please contact us.

Am I Missing Something Here?

It's tough for financial writers to come up with new material so they have to be creative.  Unfortunately, the following attempt at saying something new demonstrates a complete lack of understanding of the current bond market, which affords no opportunities for the small investor.  In fact, it's safe to say that with the current benchmark bond interest rates in play, the bond market is dead. This is one of the main reasons the Dow has surpassed the 17,000 mark -- money that would otherwise go into a vibrant bond market is instead finding its way into equities markets, and driving up stock values along the way.

In the article, "Retirement Investing, Are You Doing It All Wrong?" the writer refers to an expert economist who argues investors should own more stocks the older they grow, not fewer, which also means those approaching retirement should cut back their participation in the bond market.

What bond market is this author referring to? There is currently no bond ma…

Motivating, Retaining and Recruiting Employees

An easy way to do this is to provide your employees with an annual total compensation statement like the one we just did for a blue chip financial services firm based in downtown Manhattan.  Here is a sample of the one-page statement we did for their employees. Sample total compensation statement

We can do personalized annual statements for your organization too. 

Contact Just Got Word LLC for information and rates.

A Simple Communications Challenge

Since the dark days of 2008, employers have taken some steps to fix the 401k, the backbone of the nation's private retirement savings system. But Nobel laureate Robert C. Merton says that in the rush to upgrade these plans, sponsors and administrators have overlooked one big problem: They are managing the plans with the wrong goal in mind. "The only way to avoid a catastrophe is for plan participants, professionals, and regulators to shift the mind-set and metrics from asset value to income," explains Merton, who won the Nobel Prize in Economics in 1997.

In recent years, employers have tried to improve 401k's by introducing features such as automatic enrollment and products including target-date funds. But these moves are not likely to be sufficient. To fix the 401k, he argues, employers and the financial services companies that manage the plans must get past the ongoing obsession with two things: account balances and annual returns. These metrics, Mert…

Critical Challenges Facing Employers Under Obamacare

As a result of Obamacare, employers must understand, navigate, and adapt to a quickly changing, highly complex, and still uncertain marketplace for health benefits.  Here are some of the critical challenges:

·Helping Employees, Dependents, and Retirees Understand Obamacare:
Effective internal communications is an essential ingredient for an engaged, productive workforce with low turnover.  This is heightened under the dynamics and complexities of Obamacare. Unfortunately, employees will look to their employer to explain Obamacare (i.e., Affordable Care Act), even if the employer is not changing benefits.  Employees have friends and family who will need help understanding Obamacare.  The airwaves, mail boxes, and street corners will be packed with messaging from all angles and interests – some pro, some con, some partisan, some factually wrong, some even fraudulent, much of it confusing, and all of it mind numbingly complex. This represents an opportunity for employers to beef up their…