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1. Bookmarks: 0 Trading The 401k Portfolio - Part II Retirement plan investment portfolios are managed to produce the promised income; 401k plans make no promises and do not seem to make much of an effort to offer income focused investment products. The income produced by the highest yielding (highest risk) mutual funds is generally lower than that which can be obtained from lower income tier Closed End Funds (CEFs).
2. Bookmarks: 0 New 401k Approach Focuses on Income Production and Correction Preparation 401(k) Savings Plans are great opportunities to build wealth, but they are not guaranteed pension programs and there are pitfalls. What if you are forced to retire at the bottom of a market cycle, or at a time of historically low interest rates? Qualified or not as an investor, you have to make your own 401(k) investment decisions.
3. Bookmarks: 0 Trading The 401k Portfolio - Part I Most 401k investment menus encourage speculation by providing varieties of capitalization, sector, commodity, and growth varietals with little emphasis on internal selection quality, diversification, or income generation.
4. Bookmarks: 0 Let's Make 401k Plans Behave More Like Retirement Plans Although it is true that you do not pay taxes on your contributions during the earning years, you will absolutely pay through both nostrils when you retire. If your karma is off, you may find yourself retiring at a time when the stock market is not in a party mood and your shrinking mutual funds don't seem quite as secure as they did a few months earlier. We can deal with the market cycle; a saner tax code is a much bigger problem
5. Bookmarks: 3 Retirement Income Investment Planning Defined Contribution plans are just not retirement plans --- even if your employee benefits department, the media, Wall Street, and Uncle assure you that they are. Most plans are difficult to self-manage with a retirement income objective. Still, these benefit plans are necessary and quite capable of taking you close to where you want to be.
6. Bookmarks: 0 How To Stimulate Consumer Spending And The Economy --- The Romney Plan? The single, easiest, fastest, biggest, consumer-spending instant winner bonanza is not even a twinkle in an old politician's eye --- and there are far too few new politicians. Replace the Social Security Retirement Program with a plain vanilla pension plan, pre-funded by smaller, mandated employee contributions.
7. Bookmarks: 2 How To Create More Jobs, America Today, employers are reluctant to create jobs because the mandated non-productive overhead associated with each worker adds significantly to the cost of running the business--- worker's compensation, unemployment insurance, OSHA compliance, liability insurance, social security contributions, minimum wage/union pay scales, etc.
8. Bookmarks: 0 Overview of Greece for Travelers From the Olympics to My Fat Greek Wedding, Greece has always been a cultural centerpiece in the history of man. Summing up its contribution requires a small library, but here is an overview.
9. Bookmarks: 0 Travel The Keystone State - Pennsylvania Travel Information Pennsylvania is widely known as the birthplace of modern United States and the cradle of blooming democracy in the face of British persecution, as well as numerous revolution-era battlefields. However, Pennsylvania also boasts a booming economy on two shores, some interesting cuisine contributions to the American diet, and the well known Amish community in its countryside. Explore the nation’s foundations this season!As the center of the independence movement, Pennsylvani...
10. Bookmarks: 5 401(k) A 401(k) plan is an employer sponsored plan. The employer makes direct contributions to the account that are deducted from the employee's paycheck.
11. Bookmarks: 8 Retirement Plans for Solo Entrepreneurs Saving for retirement is even more important for solo-entrepreneurs because you don’t have a company sponsored pension plan or matching 401K contributions to rely on. There are many retirement plans available to self employed individuals and small businesses. Which one is right for you?
12. Bookmarks: 0 Musketeer Management: All For One and One For All This article will introduce you to the 7 principles of Musketeer Management: all for one and one for all. They are the principles that underlie the outstanding contributions of great and winning teams.
13. Bookmarks: 13 Locating Graphic Design Firm in San Francisco Graphic design had tamed to give in numerous contributions in the print and web industry. It is this medium that businesses are able to create an identity that will give a remarkable name in the market.
14. Bookmarks: 1 Gardening With Spring Trees And Shrubs Spring is the time when gardening becomes once more of interest to everyone who has any interest in gardening and any size of plot, from a window box to stately acres. In most gardens structure is formed using hard landscaping, trees and shrubs, but they are much more than just shapes. Trees make a functional and beautiful contribution to many gardens. It is vital to take time in selecting the right size and shape of spring tree and to think through what exactly you want from...
15. Bookmarks: 3 All About Gardening Gardening is perhaps one of the best hobbies that a more laborious nature lover can take up. The reason why I choose to call this hobby laborious is because it surely does involve a good deal of physical activity. This hobby is not meant for those nature lovers who simply want to bask in the natural beauty that already exists. Rather it is an ideal pass time for those who want to make their own contribution to the nature.In order to be successful in gardening one must hav...
16. Bookmarks: 0 How To Manage Your Holiday Stress Are you plagued by holiday stress year after year? Do you feel as if you are a victim in all of this? Do you believe that you are the ONLY one in your household who is contributing to the success of the holiday?Let me share with you some ideas for making the holidays manageable. I used to literally make myself nuts during holiday time. I was married to a man who thought his contribution to the holiday was simply to show up, eat his fill and then watch television in the li...
17. Bookmarks: 0 Student Loan: Educational Aid Student loans are offered to students to assist them in paying the required fees. Student loans are generally lower compared to other loans and is issued by the government most of the time.Typically student loans differ from country to country. In Australia for example, students can pay for university courses using the Higher Education Contribution Scheme (HECS). The selection criterion for HECS is based on the student’s rank achieved in the secondary school final examina...
18. Bookmarks: 0 Start Investing Early in Your Career The time to start investing is when you are young. If you have a college degree and you start investing immediately after you graduate and get your first job, it is possible to retire as a millionaire. Find an employer that will match your 401K contribution.
19. Bookmarks: 0 Roth IRA The Roth IRA (Individual Retirement Account), named after Senator William V. Roth, Jr., came into effect on January 1, 1998. A result of the Taxpayer Relief Act of 1997, the Roth IRA provides a benefit which is otherwise not available in any other form of retirement savings. If you meet the criteria and subscribe to the Roth IRA, all your savings will be tax-free when you or your beneficiary draws on them.
20. Bookmarks: 0 How To Communicate Value Proposition And Return On Investment As part of my continuing series on Value and Pricing, the following article shows you how to position your company's value contribution to support the highest value-for-value exchange.Too many business owners, when asked about the value or ROI of their product or service, shrug their shoulders and say, "I can't really put a value on it." If you can't put a value on it, think how hard it is for your prospects and customers! And if they can't put a value on it, how likely i...
21. Bookmarks: 0 A Quick Guide To Understanding Your Individual Retirement Account It's never too early to begin preparing for your retirement and one of the best ways to prepare is to set up an Individual Retirement Account (often referred to as an IRA).
22. Bookmarks: 0 Wall Street Foxes in the 401(k) Hen House If you fall for the scam of having an Annuity or Mutual Fund company pick the investments in your 401(k) or retirement account for a "WRAP Fee", you will get the disaster that you deserve.
23. Bookmarks: 0 Benefits of Business Podcasting Mention podcasting and the image of someone sitting in their basement with a computer and microphone, dreaming of becoming a professional DJ, is what comes to mind for many. It may surprise you to learn that this emerging technology is actually becoming a mainstream marketing and communication tool for businesses, with the potential to make significant contributions to the bottom line.
24. Bookmarks: 0 A simple smiley face… or not? The smiley face and other emotional icons, known as emoticons, have given people a concise way in e-mail and other electronic messages of expressing sentiments that otherwise would be difficult to detect. Language experts defined them as symbols composed of punctuation marks, designed to express some form of emotion in the form of a human face (in computing, of course). MSN Emoticons are a serious contribution to the electronic lexicon. Everybody is familiar with MSN Smileys, on the Internet.
25. Bookmarks: 0 Reflections on Media Independence produced by the Internet Due to the rapid pace of globalisation, the Internet has allowed society to become more interconnected. It has allowed a wider range of contribution from people with varying discourses and ideologies, making this form of media more independent.
26. Bookmarks: 0 Refreshing Your Relationship: Give 100% Reframing your commitment to your marriage as 100% rather than 50-50 changes expectations, contributions, and the level of partner satisfaction.

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