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The former is a complete waste of time, and the latter is prone to error, which can lead to even more work in the future.
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Because the contributions come from the people who will enjoy the benefits in retirement, these plans are not prone to the same bad incentives that lead politicians to make their pension plans too generous, or corporations to leave theirs too spare.
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In both cases, less spending will lead to a slumpy, crisis-prone, Japan-like economy.
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Adolescence can be a volatile stage in which teens are sexually curious, prone to risk-taking and susceptible to peer influence, which can lead to impulsive and inappropriate behavior, she said.
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Never mind that "independent" houses (those that weren't also handling investment banking for the companies they follow) were as prone to issuing buy ratings in the 1997-to-2000 run-up as were analysts at lead investment banks, says Purdue professor John McConnell.
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