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But state officials have said the retirement plans would be similar to those available to many private-sector employees and, unlike pension plans for state workers, would not be funded or guaranteed by employers or taxpayers. Jerry Brown, lawmakers and leaders of two major labor unions held a news conference Monday in Sacramento to unveil details of an agreement that would raise California’s minimum wage to $15 an hour. Jerry Brown, lawmakers and leaders of two major labor unions held a news conference Monday in Sacramento to unveil details of an agreement that would raise California’s minimum wage to $15 an hour. They're not a replacement for good, old-fashioned pension plans."For young workers who start out saving 5% of their wages, the plan — depending on investment returns — could ultimately provide about one-third of the money they'll need to get through retirement, according to Overture Financial, a consulting firm that worked on the plan.

Here’s what we know – and don’t know – about the proposal and the politics behind it. Here’s what we know – and don’t know – about the proposal and the politics behind it. (John Myers)Retirement savings advocates say the kind of state-run retirement accounts being considered by California and a handful of other states could help millions of Americans — especially lower-income workers, who are the least likely to save — put away at least a small retirement nest egg."These are plans that would be set up for employees who have nothing," said Karen Friedman, policy director for the advocacy group Pension Rights Center. The National Institute on Retirement Security estimates that about 45% of private-sector workers are not offered a retirement savings plan through their employer.

Just because a service is no longer subject to a deductible or co-pay, that doesn't mean the recipient isn't paying for it.

Instead, it means the cost of such services are factored into the premiums that everyone with private insurance pays.

We are using Visual Studio as the IDE and github for code control.

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