Though saving for retirement is always a challenge, women who spend time away from the workforce to care for children or elderly parents often don't knowhowto catch up when they returnto work.
Because many of us are adding new contributions to our accounts or withdrawing funds from our accounts each year it is not possible to equate the published annual returnto your own holdings and knowhow you did.
Sometimes you invest a bunch of time in them teaching them howto do things that more experienced journalists already know and they give you nothing in return except a headache.
In return for the cash they receive, foreigners are expected to share their know-how by, for instance, coaching local entrepreneurs and speaking at events.