ABSTRACT
This professionally written argument is typical of the many advertisements that adorn the pages of American magazines, especially those directed at the very large group of comfortably prosperous people. The Hartford is a financial services company that sells a range of savings-related products. There are many such companies, plus specialist firms like stockbrokers. Financial organizations vary greatly in size and the biggest are not necessarily the best. In addition to the savings that individuals put into the hands of such financial managers, large numbers of people – probably a majority of the population – make “forced savings,” e.g. income reductions to pay for pension plans and automatic payments from bank accounts to meet mortgage loans.
