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Ricardo Ramirez

Reporter · US

Indexed articles, last 90 days
50
Latest publication
Sep 30, 2026
Outlet visibility, for Aol
Top 5K sites
Earliest in this view
Jul 15, 2026

Latest articles

  1. Article · Sep 30, 2026 · Ricardo Ramirez

    What is a pension? Defined benefit vs. defined contribution - AOL (opens the original)

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    A defined benefit plan, the formal name for a traditional pension, guarantees a fixed monthly payment for life, calculated from a formula based on salary history and years of service. A defined contribution plan, such as a 401(k), guarantees only the amount contributed. What comes out depends entirely on how those contributions grow over time, with no fixed dollar figure promised at any point. The technical term for a traditional pension is a defined benefit plan because the benefit is fixed by

  2. Article · Sep 29, 2026 · Ricardo Ramirez

    Facts about everyday things you probably wish you didn’t know - AOL (opens the original)

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    Some knowledge is better left undiscovered, at least until after the next grocery run. Six ordinary objects below turned up in real studies carrying far more bacteria than anyone expected, and none of them look remotely suspicious sitting in plain view. That’s the finding from a study of carts at traditional grocery stores, which averaged over 73,000 bacterial colonies per square inch. Nearly 75 percent of what researchers found on the handles wereGram-negative rods, a category in which over 90

  3. Article · Sep 29, 2026 · Ricardo Ramirez

    How exactly does an employer 401(k) match work? - AOL (opens the original)

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    A 401(k) match is the employer’s contribution to an employee’s retirement account, calculated as a percentage of the employee’s personal contribution. The most common structure matches 50 percent of contributions up to 5 percent of salary. Falling short of that contribution level leaves part of the available match on the table. On a $120,000 salary, that 50-percent-up-to-5-percent formula caps the employer’s contribution at $3,000. The mechanism is straightforward: the employer matches 50 percen

  4. Article · Sep 28, 2026 · Ricardo Ramirez

    Making sense of the most common IRS retirement forms using plain English - AOL (opens the original)

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    Use retirement tax forms to complete tax returns, not file them back to the IRS. Consider that both Form 1099-R and Form 5498 fall into this category. Note that Form 1099-R tracks every distribution taken from a retirement account during the year. It shows up by January 31, and it’s the one most retirees deal with most often. Box 7 has one or two codes that tell the IRS what kind of distribution it was — and whether a penalty applies. Don’t forget that Form 5498 arrives after the tax filing dead

  5. Article · Sep 27, 2026 · Ricardo Ramirez

    Strange products that were once considered totally normal - AOL (opens the original)

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    Image credit: zadraaa / Reddit Forum / Reddit Cocaine was listed as an active ingredient on the original Coca-Cola label. Heroin was marketed by Bayer in 1898 as a non-addictive substitute for morphine, sold over the counter until 1914. These are the famous examples. They tend to end conversations about historical product safety with a kind of stunned silence that suggests nothing else could possibly be stranger. The Revigator was a ceramic crock sold at department stores from roughly 1912 onwar

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