401(k) Participants Turn to Pros For Help Managing Their Money #mexico

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#

401(k) Participants Turn to Pros For Help Managing Their Money

You’re a computer engineer, or a nurse, or a graphic designer. Just keeping current in your own specialty is an effort. So what happens to your 401(k) retirement plan while you’re off doing what you do?

Does it just languish, forgotten, in some dusty corner of your mind? Are you, among millions of others, crossing your fingers and hoping your portfolio will provide?

Thanks to changes in the industry, investors now can get more help managing their 401(k) accounts. In the past, to prevent conflicts of interest, defined contribution plan providers could make only general asset class recommendations. But regulations now allow financial service companies to hire independent, third-party financial advisers like Ibbotson Associates to manage individual investors’ 401(k) accounts.

Those who choose professional help will find that the money in their portfolio will be allocated appropriately to funds in their existing plan, rebalanced regularly and adjusted over time to meet changing life circumstances. And these programs are catching on.

Ibbotson is the independent third-party advisor for 401(k) managed account programs run by AIG VALIC, Fidelity, Great-West Retirement Services, Merrill Lynch, the Principal Financial Group and TIAA-CREF. Although 401(k) managed accounts are only two years old, participation in such programs is increasing rapidly. Currently there is over $10 billion in 401(k) managed account programs, and that number is expected to reach $300 billion in 2010, according to industry research firm TowerGroup.

A major reason for the growth is that many employees don’t know how to manage their retirement plans. Human resources firm Hewitt Associates found that only 16 percent of 401(k) plan participants made any changes to their accounts in 2004. The study also found that, while some employees were not aggressive enough with their investments, others took on too much risk. For example, participants concentrated about 27 percent of their 401(k) assets in their company stock.





07/01/2018

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401(k) Participants Turn to Pros For Help Managing Their Money #costa

#cheap flights with car rental
#

401(k) Participants Turn to Pros For Help Managing Their Money

You’re a computer engineer, or a nurse, or a graphic designer. Just keeping current in your own specialty is an effort. So what happens to your 401(k) retirement plan while you’re off doing what you do?

Does it just languish, forgotten, in some dusty corner of your mind? Are you, among millions of others, crossing your fingers and hoping your portfolio will provide?

Thanks to changes in the industry, investors now can get more help managing their 401(k) accounts. In the past, to prevent conflicts of interest, defined contribution plan providers could make only general asset class recommendations. But regulations now allow financial service companies to hire independent, third-party financial advisers like Ibbotson Associates to manage individual investors’ 401(k) accounts.

Those who choose professional help will find that the money in their portfolio will be allocated appropriately to funds in their existing plan, rebalanced regularly and adjusted over time to meet changing life circumstances. And these programs are catching on.

Ibbotson is the independent third-party advisor for 401(k) managed account programs run by AIG VALIC, Fidelity, Great-West Retirement Services, Merrill Lynch, the Principal Financial Group and TIAA-CREF. Although 401(k) managed accounts are only two years old, participation in such programs is increasing rapidly. Currently there is over $10 billion in 401(k) managed account programs, and that number is expected to reach $300 billion in 2010, according to industry research firm TowerGroup.

A major reason for the growth is that many employees don’t know how to manage their retirement plans. Human resources firm Hewitt Associates found that only 16 percent of 401(k) plan participants made any changes to their accounts in 2004. The study also found that, while some employees were not aggressive enough with their investments, others took on too much risk. For example, participants concentrated about 27 percent of their 401(k) assets in their company stock.





14/11/2017

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401(k) Participants Turn to Pros For Help Managing Their Money #germany

#cheap flight and hotel
#

401(k) Participants Turn to Pros For Help Managing Their Money

You’re a computer engineer, or a nurse, or a graphic designer. Just keeping current in your own specialty is an effort. So what happens to your 401(k) retirement plan while you’re off doing what you do?

Does it just languish, forgotten, in some dusty corner of your mind? Are you, among millions of others, crossing your fingers and hoping your portfolio will provide?

Thanks to changes in the industry, investors now can get more help managing their 401(k) accounts. In the past, to prevent conflicts of interest, defined contribution plan providers could make only general asset class recommendations. But regulations now allow financial service companies to hire independent, third-party financial advisers like Ibbotson Associates to manage individual investors’ 401(k) accounts.

Those who choose professional help will find that the money in their portfolio will be allocated appropriately to funds in their existing plan, rebalanced regularly and adjusted over time to meet changing life circumstances. And these programs are catching on.

Ibbotson is the independent third-party advisor for 401(k) managed account programs run by AIG VALIC, Fidelity, Great-West Retirement Services, Merrill Lynch, the Principal Financial Group and TIAA-CREF. Although 401(k) managed accounts are only two years old, participation in such programs is increasing rapidly. Currently there is over $10 billion in 401(k) managed account programs, and that number is expected to reach $300 billion in 2010, according to industry research firm TowerGroup.

A major reason for the growth is that many employees don’t know how to manage their retirement plans. Human resources firm Hewitt Associates found that only 16 percent of 401(k) plan participants made any changes to their accounts in 2004. The study also found that, while some employees were not aggressive enough with their investments, others took on too much risk. For example, participants concentrated about 27 percent of their 401(k) assets in their company stock.





13/11/2017

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Ethanol: Pros ?>

#

Pros

Positive Net Energy Balance – Corn-based ethanol has a positive net energy balance of 1.06btu per gallon for 1.00btu of energy used without ethanol by-product credits. With these credits, for things such as DDGS, corn-based ethanol has a positive net energy balance of 1.67btu per gallon for 1.00btu of energy used.

Biodegradable – As ethanol is made with organic materials it is highly biodegradable making spills far less worrysome than petroleum spills. When spilled, 74% of ethanol is broken down within 5 days.

Usable By-Products – The two chief by-products of corn-based ethanol are CO2 and DDGS, both of which are usable in other industries. The CO2 can be captured for use in the food and beverage industry. DDGS can be used for cattle feed or further crushed to extract corn oil, for food or biodiesel production uses.

Most Infrastructure In-place – There are few changes that would need to be made to widely adopt ethanol. Most automobiles available in the U.S. are Flex Fuel capable and there are roughly 2,000 stations already serving E85. While most of these stations are lumped in the Midwest, they are increasing nationwide.

Cons

Food vs. Fuel – 2.4 to 2.8 gallons of ethanol can be produced per bushel of corn. As a result, there has been massive media coverage over the use of food as fuel. While there are mountains of findings showing how the use of corn has increased food costs and equal amounts showing it does not, in the end food crops are being used as fuel, making corn-based ethanol inferior to cellulosic ethanol in this regard.

Reduced MPG – Based on 2009 flex fuel vehicles, E85 miles per gallon is expected to be roughly 28.5% lower in the city and 26.5% lower on the highway. This means it takes 1.35 to 1.40 gallons of E85 to equal the mileage of 1.00 gallons of gasoline.

Fuel Transportation – Ethanol absorbs water and is corrosive. which make it difficult to ship through existing pipelines from the Midwest of the U.S. where most production occurs. Remedies include shipping or building dedicated ethanol pipelines, however the most likely scenario seems to involve rail or road transport. The best scenario would be local ethanol plants, with the easiest way to accomplish this through continued development of cellulosic ethanol, where feedstocks are abundant everywhere as opposed to corn or sugar.

Water Absorbtion – Ethanol absorbs water, which can contaminate it as a fuel and makes it more difficult to ship through pipelines. As a result, ethanol has a shorter shelf and tank life than gasoline.

Fueling Locations – There are roughly 2,000 E85 fueling stations in the U.S. with the majority in Illinois, Indiana, Iowa, Minnesota and Wisconsin. A U.S. E85 fueling station map and locator can be found here.


25/08/2017

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DIRECTV Internet Review With Pros – Cons #pros #and #cons #of


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DIRECTV Internet Review With Pros Cons

They don’t offer their own service as it is; instead they offer their internet service in bundles with their other providers. So in short, there definitely a lot of good and a lot of bad things about DirecTV.

DIRECTV don’t offer their own service as it is; instead they offer their internet service in bundles with their 3rd-party providers. You also aren’t provided with information about your internet connection until after you purchase a programming package (which includes TV). But at the same time, that’s the beauty about bundling: you get to bundle together your internet, phone and TV services, according to HDbundles.com. And more importantly at the same time, you save money.

So in short, there definitely a lot of good and a lot of bad things about DIRECTV. The primary reason for why they don’t provide you with information on your internet connection is because they use third-party internet service providers. As a result the third party provider DIRECTV contracts with may be Verizon, Comcast, AT T, CenturyLink, Exede Internet, HughesNet, Windstream, Mediacom, or Time Warner Cable. These companies offer anything from dial up connections to satellite internet to cable internet to broadband access.

As a result, DIRECTV varies substantially on how it runs, its speed, reliability and additional features due to the third party providers.

Speed (Download/Upload)

This is all dependent on the package you select and the internet provider that comes with it. Remember, you won’t find out about your internet connection or speed until after you have purchased the bundle. But fortunately for you, there is a general rule of thumb that you should follow: broadband internet is faster than satellite internet, and satellite internet is faster than dial up. At all costs, avoid a dial up internet connection if you can.

Cost

DIRECTV offers many different packages for you to buy. Their prices per bundle range from $54.99 a month up to $124.99. They require a two year contract for the best pricing.

Reliability

The reliability of the internet from DIRECTV is a little difficult to explain, primarily because it varies by the third-party providers. A good thing to do here would be to do some spare research on your own to determine which internet providers in the available bundles are the most reliable. The first thing you should do is know what kind of internet service you want. You should avoid dial up and go for broadband if you can, but if you live in rural areas or ‘away from civilization’ then satellite internet providers is the best option for you. These services are faster, far faster, than dial up connections, but lack the speed and data usage of the broadband internet services.

Generally speaking, most internet providers should be reliable, with broadband being more reliable than satellite and satellite being more reliable than dial up. A major issue, however, with satellite is that the reliability of the internet is largely decided by the dish. If the weather is bad, such as heavy rain or snow, it could affect your dish and your internet, either causing slower speeds or a cut of connection all together. Keep an eye on your dish, and your internet connection will stay up and running.

Additional Features

Again, when you select DIRECTV you get internet as a bundle with TV through the third party service providers. This in and of itself is a pure additional feature to DIRECTV, as it allows you to save money. Whereas before you would have had to pay money for each one, now you can pay roughly the same amount for all three at the same time.

And because DIRECTV sells its services as a bundle, the additional features vary by bundle. This means that e-mail accounts, e-mail storage per account, internet security and parental controls, among other things, varies by package and by provider.

Support

DIRECTV has a support staff that is available twenty four hours a day, seven days a week, have a billing center, a FAQ section on their website, can personally email their tech support staff and even chat with a customer service agent. There have been complaints from customers of receiving bills not being the same as the previous months’ bill despite not changing the bundle, or other forms of customers accusing DIRECTV of trying to up the payment. But as long as you watch the numbers on your bill, you should be fine.

Quick Roundup:

You’ll have to weigh the good versus the bad with Direct TV, or at least what you perceive to be the good and the bad. A large part of what you get is good or bad is determined by bundle you select. While you will no doubt save a lot of money due to this bundle, you will also not know how good your internet connection is until after your purchase. DirecTV is no doubt a very unique way or getting internet service, and it could either turn out for the very best or for the very worst for you. Do you want to buy internet, TV and phone services all in one bundle and save a lot of money? If so, then you definitely need to check out DirecTV. If there are other options you would like to explore, or if none of the options work for you, then don’t hesitate to check out the rest of the market.

PROS: You get to save money by bundling together your internet, phone and TV services; impressive and efficient customer support system;
CONS: You have to purchase a programming package (which includes TV) to find out about whether you’ll receive the fastest internet connection.

User Rating 2.69 ( 186 votes)

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15/08/2017

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401(k) Participants Turn to Pros For Help Managing Their Money #travel

#cheap flights with car rental
#

401(k) Participants Turn to Pros For Help Managing Their Money

You’re a computer engineer, or a nurse, or a graphic designer. Just keeping current in your own specialty is an effort. So what happens to your 401(k) retirement plan while you’re off doing what you do?

Does it just languish, forgotten, in some dusty corner of your mind? Are you, among millions of others, crossing your fingers and hoping your portfolio will provide?

Thanks to changes in the industry, investors now can get more help managing their 401(k) accounts. In the past, to prevent conflicts of interest, defined contribution plan providers could make only general asset class recommendations. But regulations now allow financial service companies to hire independent, third-party financial advisers like Ibbotson Associates to manage individual investors’ 401(k) accounts.

Those who choose professional help will find that the money in their portfolio will be allocated appropriately to funds in their existing plan, rebalanced regularly and adjusted over time to meet changing life circumstances. And these programs are catching on.

Ibbotson is the independent third-party advisor for 401(k) managed account programs run by AIG VALIC, Fidelity, Great-West Retirement Services, Merrill Lynch, the Principal Financial Group and TIAA-CREF. Although 401(k) managed accounts are only two years old, participation in such programs is increasing rapidly. Currently there is over $10 billion in 401(k) managed account programs, and that number is expected to reach $300 billion in 2010, according to industry research firm TowerGroup.

A major reason for the growth is that many employees don’t know how to manage their retirement plans. Human resources firm Hewitt Associates found that only 16 percent of 401(k) plan participants made any changes to their accounts in 2004. The study also found that, while some employees were not aggressive enough with their investments, others took on too much risk. For example, participants concentrated about 27 percent of their 401(k) assets in their company stock.





11/08/2017

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401(k) Participants Turn to Pros For Help Managing Their Money #train

#flight hotel deals
#

401(k) Participants Turn to Pros For Help Managing Their Money

You’re a computer engineer, or a nurse, or a graphic designer. Just keeping current in your own specialty is an effort. So what happens to your 401(k) retirement plan while you’re off doing what you do?

Does it just languish, forgotten, in some dusty corner of your mind? Are you, among millions of others, crossing your fingers and hoping your portfolio will provide?

Thanks to changes in the industry, investors now can get more help managing their 401(k) accounts. In the past, to prevent conflicts of interest, defined contribution plan providers could make only general asset class recommendations. But regulations now allow financial service companies to hire independent, third-party financial advisers like Ibbotson Associates to manage individual investors’ 401(k) accounts.

Those who choose professional help will find that the money in their portfolio will be allocated appropriately to funds in their existing plan, rebalanced regularly and adjusted over time to meet changing life circumstances. And these programs are catching on.

Ibbotson is the independent third-party advisor for 401(k) managed account programs run by AIG VALIC, Fidelity, Great-West Retirement Services, Merrill Lynch, the Principal Financial Group and TIAA-CREF. Although 401(k) managed accounts are only two years old, participation in such programs is increasing rapidly. Currently there is over $10 billion in 401(k) managed account programs, and that number is expected to reach $300 billion in 2010, according to industry research firm TowerGroup.

A major reason for the growth is that many employees don’t know how to manage their retirement plans. Human resources firm Hewitt Associates found that only 16 percent of 401(k) plan participants made any changes to their accounts in 2004. The study also found that, while some employees were not aggressive enough with their investments, others took on too much risk. For example, participants concentrated about 27 percent of their 401(k) assets in their company stock.





11/08/2017

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401(k) Participants Turn to Pros For Help Managing Their Money #travel

#cheap flights and hotel
#

401(k) Participants Turn to Pros For Help Managing Their Money

You’re a computer engineer, or a nurse, or a graphic designer. Just keeping current in your own specialty is an effort. So what happens to your 401(k) retirement plan while you’re off doing what you do?

Does it just languish, forgotten, in some dusty corner of your mind? Are you, among millions of others, crossing your fingers and hoping your portfolio will provide?

Thanks to changes in the industry, investors now can get more help managing their 401(k) accounts. In the past, to prevent conflicts of interest, defined contribution plan providers could make only general asset class recommendations. But regulations now allow financial service companies to hire independent, third-party financial advisers like Ibbotson Associates to manage individual investors’ 401(k) accounts.

Those who choose professional help will find that the money in their portfolio will be allocated appropriately to funds in their existing plan, rebalanced regularly and adjusted over time to meet changing life circumstances. And these programs are catching on.

Ibbotson is the independent third-party advisor for 401(k) managed account programs run by AIG VALIC, Fidelity, Great-West Retirement Services, Merrill Lynch, the Principal Financial Group and TIAA-CREF. Although 401(k) managed accounts are only two years old, participation in such programs is increasing rapidly. Currently there is over $10 billion in 401(k) managed account programs, and that number is expected to reach $300 billion in 2010, according to industry research firm TowerGroup.

A major reason for the growth is that many employees don’t know how to manage their retirement plans. Human resources firm Hewitt Associates found that only 16 percent of 401(k) plan participants made any changes to their accounts in 2004. The study also found that, while some employees were not aggressive enough with their investments, others took on too much risk. For example, participants concentrated about 27 percent of their 401(k) assets in their company stock.





11/08/2017

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Pros and Cons of Ethanol #pros #of #alcohol


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The Upside of Ethanol

Proponents of ethanol emphasize its environmental and energy security benefits.

  • Ethanol is a renewable fuel that comes from agricultural feedstocks, and thus can be produced domestically.

Using ethanol (particularly E85) also results in less pollution, reducing smog-forming emissions by as much as 50 percent relative to gasoline. E85-powered vehicles also contribute to global warming, although experts disagree about just how much greenhouse gas is emitted by using ethanol.

One might expect that by using E85, net carbon dioxide emissions would be almost zero. The crops used to make the ethanol absorb CO2 from the atmosphere during their growth, then this CO2 is put back into the atmosphere when the ethanol is burned in an automobile engine. In reality, this cycle is overly simplistic because it fails to recognize other greenhouse gas emissions that occur during the cultivation and production of ethanol. Modern farming, for example, relies heavily on diesel-powered equipment that emits greenhouse gases. Distilling ethanol is also an energy-intensive process that often uses electricity generated from coal, another source of greenhouse emissions.

Researchers at the University of California at Berkeley recently examined six major studies of ethanol production and concluded that using ethanol made from corn instead of gasoline would lead to a moderate 13 percent reduction in greenhouse emissions. However, the researchers note that more dramatic reductions are possible if technology advances make it economical to make ethanol from cellulosic materials such as switchgrass, a crop currently grown by some U.S. farmers to control erosion on idle fields. Using cellulosic ethanol, they project, could result in 88 percent less greenhouse gas emissions.

The UC Berkeley study also contradicts a common criticism of ethanol: that it takes more energy to produce it than it delivers as a motor fuel. The study concludes that ethanol made from corn does indeed have a positive net energy balance, particularly if you consider that other valuable products, such as corn oil, are byproducts of the ethanol-making process.

The Downside

E85 may be better for the environment and the American farmer, but it has some drawbacks.

  • The first is price: ethanol can be more expensive than gasoline. depending on where you live.
    Data on fuel prices from the DOE shows that in the Midwest (where much of the country s ethanol is produced) E85 sells for nearly 30 cents less per gallon than conventional gasoline. However, on the West Coast, filling up with ethanol would cost a driver 35 cents more per gallon. In the mid-Atlantic states, E85 had an even higher premium: 44 cents per gallon.
  • The higher price of E85 in many areas is made worse by ethanol s second drawback: ethanol, regardless of the price you pay for it, contains less energy than gasoline. This means that your car won t go as far on a gallon of E85, and your fuel economy will decrease by 20-30 percent. This is bad news for consumers because even if the price of E85 at the pump is cheaper than gasoline, using ethanol may not be less expensive in the end.
  • Let s consider one example. The most fuel-efficient flexible-fuel vehicle available this year is the Chevrolet Impala. Using gasoline, it is rated at 21 mpg in the city and 31 mpg on the highway. By using E85, rated mileage drops to 16 mpg city and 23 mpg highway.

    If you fill-up the Impala s 17-gallon tank at a station in the Midwest, you ll save $5.10 by using E85. So far, so good. However, you can t drive as far on E85 and will have to refuel sooner than if you had purchased conventional gasoline. In fact, your cost per mile is higher using E85: 9.7 cents/mile vs. 8.4 cents/mile for regular gas.

    A 1.3 cent per mile difference may not seem like much, but over the course of a year s driving it adds almost $200 to your fuel costs.

    • Another issue is that E85 is widely available only in the Midwest. The DOE lists nearly 2,000 E85 stations in the United States, but most of those are in two states: Minnesota and Illinois. Other areas, even populous ones, have little E85 infrastructure. For example, New York, California and Florida have just 20 E85 stations combined. (The situation is getting better; South Carolina and Texas now boast 40 and 22 E85 stations, respectively.)

    To put things in perspective, there are more than 150,000 stations nationwide selling gasoline. While all of them may not need to offer E85, it is clear that wider distribution is needed before E85 can begin to displace gasoline sales.

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    03/08/2017

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    401(k) Participants Turn to Pros For Help Managing Their Money #costa

    #cheap flights and car rental
    #

    401(k) Participants Turn to Pros For Help Managing Their Money

    You’re a computer engineer, or a nurse, or a graphic designer. Just keeping current in your own specialty is an effort. So what happens to your 401(k) retirement plan while you’re off doing what you do?

    Does it just languish, forgotten, in some dusty corner of your mind? Are you, among millions of others, crossing your fingers and hoping your portfolio will provide?

    Thanks to changes in the industry, investors now can get more help managing their 401(k) accounts. In the past, to prevent conflicts of interest, defined contribution plan providers could make only general asset class recommendations. But regulations now allow financial service companies to hire independent, third-party financial advisers like Ibbotson Associates to manage individual investors’ 401(k) accounts.

    Those who choose professional help will find that the money in their portfolio will be allocated appropriately to funds in their existing plan, rebalanced regularly and adjusted over time to meet changing life circumstances. And these programs are catching on.

    Ibbotson is the independent third-party advisor for 401(k) managed account programs run by AIG VALIC, Fidelity, Great-West Retirement Services, Merrill Lynch, the Principal Financial Group and TIAA-CREF. Although 401(k) managed accounts are only two years old, participation in such programs is increasing rapidly. Currently there is over $10 billion in 401(k) managed account programs, and that number is expected to reach $300 billion in 2010, according to industry research firm TowerGroup.

    A major reason for the growth is that many employees don’t know how to manage their retirement plans. Human resources firm Hewitt Associates found that only 16 percent of 401(k) plan participants made any changes to their accounts in 2004. The study also found that, while some employees were not aggressive enough with their investments, others took on too much risk. For example, participants concentrated about 27 percent of their 401(k) assets in their company stock.





    07/07/2017

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    401(k) Participants Turn to Pros For Help Managing Their Money #i

    #cheap flights hotels
    #

    401(k) Participants Turn to Pros For Help Managing Their Money

    You’re a computer engineer, or a nurse, or a graphic designer. Just keeping current in your own specialty is an effort. So what happens to your 401(k) retirement plan while you’re off doing what you do?

    Does it just languish, forgotten, in some dusty corner of your mind? Are you, among millions of others, crossing your fingers and hoping your portfolio will provide?

    Thanks to changes in the industry, investors now can get more help managing their 401(k) accounts. In the past, to prevent conflicts of interest, defined contribution plan providers could make only general asset class recommendations. But regulations now allow financial service companies to hire independent, third-party financial advisers like Ibbotson Associates to manage individual investors’ 401(k) accounts.

    Those who choose professional help will find that the money in their portfolio will be allocated appropriately to funds in their existing plan, rebalanced regularly and adjusted over time to meet changing life circumstances. And these programs are catching on.

    Ibbotson is the independent third-party advisor for 401(k) managed account programs run by AIG VALIC, Fidelity, Great-West Retirement Services, Merrill Lynch, the Principal Financial Group and TIAA-CREF. Although 401(k) managed accounts are only two years old, participation in such programs is increasing rapidly. Currently there is over $10 billion in 401(k) managed account programs, and that number is expected to reach $300 billion in 2010, according to industry research firm TowerGroup.

    A major reason for the growth is that many employees don’t know how to manage their retirement plans. Human resources firm Hewitt Associates found that only 16 percent of 401(k) plan participants made any changes to their accounts in 2004. The study also found that, while some employees were not aggressive enough with their investments, others took on too much risk. For example, participants concentrated about 27 percent of their 401(k) assets in their company stock.





    07/07/2017

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    401(k) Participants Turn to Pros For Help Managing Their Money #cheapest

    #cheap flights and hotel
    #

    401(k) Participants Turn to Pros For Help Managing Their Money

    You’re a computer engineer, or a nurse, or a graphic designer. Just keeping current in your own specialty is an effort. So what happens to your 401(k) retirement plan while you’re off doing what you do?

    Does it just languish, forgotten, in some dusty corner of your mind? Are you, among millions of others, crossing your fingers and hoping your portfolio will provide?

    Thanks to changes in the industry, investors now can get more help managing their 401(k) accounts. In the past, to prevent conflicts of interest, defined contribution plan providers could make only general asset class recommendations. But regulations now allow financial service companies to hire independent, third-party financial advisers like Ibbotson Associates to manage individual investors’ 401(k) accounts.

    Those who choose professional help will find that the money in their portfolio will be allocated appropriately to funds in their existing plan, rebalanced regularly and adjusted over time to meet changing life circumstances. And these programs are catching on.

    Ibbotson is the independent third-party advisor for 401(k) managed account programs run by AIG VALIC, Fidelity, Great-West Retirement Services, Merrill Lynch, the Principal Financial Group and TIAA-CREF. Although 401(k) managed accounts are only two years old, participation in such programs is increasing rapidly. Currently there is over $10 billion in 401(k) managed account programs, and that number is expected to reach $300 billion in 2010, according to industry research firm TowerGroup.

    A major reason for the growth is that many employees don’t know how to manage their retirement plans. Human resources firm Hewitt Associates found that only 16 percent of 401(k) plan participants made any changes to their accounts in 2004. The study also found that, while some employees were not aggressive enough with their investments, others took on too much risk. For example, participants concentrated about 27 percent of their 401(k) assets in their company stock.





    07/07/2017

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    401(k) Participants Turn to Pros For Help Managing Their Money #e

    #cheap flights with car rental
    #

    401(k) Participants Turn to Pros For Help Managing Their Money

    You’re a computer engineer, or a nurse, or a graphic designer. Just keeping current in your own specialty is an effort. So what happens to your 401(k) retirement plan while you’re off doing what you do?

    Does it just languish, forgotten, in some dusty corner of your mind? Are you, among millions of others, crossing your fingers and hoping your portfolio will provide?

    Thanks to changes in the industry, investors now can get more help managing their 401(k) accounts. In the past, to prevent conflicts of interest, defined contribution plan providers could make only general asset class recommendations. But regulations now allow financial service companies to hire independent, third-party financial advisers like Ibbotson Associates to manage individual investors’ 401(k) accounts.

    Those who choose professional help will find that the money in their portfolio will be allocated appropriately to funds in their existing plan, rebalanced regularly and adjusted over time to meet changing life circumstances. And these programs are catching on.

    Ibbotson is the independent third-party advisor for 401(k) managed account programs run by AIG VALIC, Fidelity, Great-West Retirement Services, Merrill Lynch, the Principal Financial Group and TIAA-CREF. Although 401(k) managed accounts are only two years old, participation in such programs is increasing rapidly. Currently there is over $10 billion in 401(k) managed account programs, and that number is expected to reach $300 billion in 2010, according to industry research firm TowerGroup.

    A major reason for the growth is that many employees don’t know how to manage their retirement plans. Human resources firm Hewitt Associates found that only 16 percent of 401(k) plan participants made any changes to their accounts in 2004. The study also found that, while some employees were not aggressive enough with their investments, others took on too much risk. For example, participants concentrated about 27 percent of their 401(k) assets in their company stock.





    17/05/2017

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    401(k) Participants Turn to Pros For Help Managing Their Money #flight

    #cheap flights and hotel
    #

    401(k) Participants Turn to Pros For Help Managing Their Money

    You’re a computer engineer, or a nurse, or a graphic designer. Just keeping current in your own specialty is an effort. So what happens to your 401(k) retirement plan while you’re off doing what you do?

    Does it just languish, forgotten, in some dusty corner of your mind? Are you, among millions of others, crossing your fingers and hoping your portfolio will provide?

    Thanks to changes in the industry, investors now can get more help managing their 401(k) accounts. In the past, to prevent conflicts of interest, defined contribution plan providers could make only general asset class recommendations. But regulations now allow financial service companies to hire independent, third-party financial advisers like Ibbotson Associates to manage individual investors’ 401(k) accounts.

    Those who choose professional help will find that the money in their portfolio will be allocated appropriately to funds in their existing plan, rebalanced regularly and adjusted over time to meet changing life circumstances. And these programs are catching on.

    Ibbotson is the independent third-party advisor for 401(k) managed account programs run by AIG VALIC, Fidelity, Great-West Retirement Services, Merrill Lynch, the Principal Financial Group and TIAA-CREF. Although 401(k) managed accounts are only two years old, participation in such programs is increasing rapidly. Currently there is over $10 billion in 401(k) managed account programs, and that number is expected to reach $300 billion in 2010, according to industry research firm TowerGroup.

    A major reason for the growth is that many employees don’t know how to manage their retirement plans. Human resources firm Hewitt Associates found that only 16 percent of 401(k) plan participants made any changes to their accounts in 2004. The study also found that, while some employees were not aggressive enough with their investments, others took on too much risk. For example, participants concentrated about 27 percent of their 401(k) assets in their company stock.





    17/05/2017

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    401(k) Participants Turn to Pros For Help Managing Their Money #cheap

    #cheap flight and hotel
    #

    401(k) Participants Turn to Pros For Help Managing Their Money

    You’re a computer engineer, or a nurse, or a graphic designer. Just keeping current in your own specialty is an effort. So what happens to your 401(k) retirement plan while you’re off doing what you do?

    Does it just languish, forgotten, in some dusty corner of your mind? Are you, among millions of others, crossing your fingers and hoping your portfolio will provide?

    Thanks to changes in the industry, investors now can get more help managing their 401(k) accounts. In the past, to prevent conflicts of interest, defined contribution plan providers could make only general asset class recommendations. But regulations now allow financial service companies to hire independent, third-party financial advisers like Ibbotson Associates to manage individual investors’ 401(k) accounts.

    Those who choose professional help will find that the money in their portfolio will be allocated appropriately to funds in their existing plan, rebalanced regularly and adjusted over time to meet changing life circumstances. And these programs are catching on.

    Ibbotson is the independent third-party advisor for 401(k) managed account programs run by AIG VALIC, Fidelity, Great-West Retirement Services, Merrill Lynch, the Principal Financial Group and TIAA-CREF. Although 401(k) managed accounts are only two years old, participation in such programs is increasing rapidly. Currently there is over $10 billion in 401(k) managed account programs, and that number is expected to reach $300 billion in 2010, according to industry research firm TowerGroup.

    A major reason for the growth is that many employees don’t know how to manage their retirement plans. Human resources firm Hewitt Associates found that only 16 percent of 401(k) plan participants made any changes to their accounts in 2004. The study also found that, while some employees were not aggressive enough with their investments, others took on too much risk. For example, participants concentrated about 27 percent of their 401(k) assets in their company stock.





    17/05/2017

    Posted In: NEWS

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    401(k) Participants Turn to Pros For Help Managing Their Money #vacation

    #cheap flights with car rental
    #

    401(k) Participants Turn to Pros For Help Managing Their Money

    You’re a computer engineer, or a nurse, or a graphic designer. Just keeping current in your own specialty is an effort. So what happens to your 401(k) retirement plan while you’re off doing what you do?

    Does it just languish, forgotten, in some dusty corner of your mind? Are you, among millions of others, crossing your fingers and hoping your portfolio will provide?

    Thanks to changes in the industry, investors now can get more help managing their 401(k) accounts. In the past, to prevent conflicts of interest, defined contribution plan providers could make only general asset class recommendations. But regulations now allow financial service companies to hire independent, third-party financial advisers like Ibbotson Associates to manage individual investors’ 401(k) accounts.

    Those who choose professional help will find that the money in their portfolio will be allocated appropriately to funds in their existing plan, rebalanced regularly and adjusted over time to meet changing life circumstances. And these programs are catching on.

    Ibbotson is the independent third-party advisor for 401(k) managed account programs run by AIG VALIC, Fidelity, Great-West Retirement Services, Merrill Lynch, the Principal Financial Group and TIAA-CREF. Although 401(k) managed accounts are only two years old, participation in such programs is increasing rapidly. Currently there is over $10 billion in 401(k) managed account programs, and that number is expected to reach $300 billion in 2010, according to industry research firm TowerGroup.

    A major reason for the growth is that many employees don’t know how to manage their retirement plans. Human resources firm Hewitt Associates found that only 16 percent of 401(k) plan participants made any changes to their accounts in 2004. The study also found that, while some employees were not aggressive enough with their investments, others took on too much risk. For example, participants concentrated about 27 percent of their 401(k) assets in their company stock.





    05/04/2017

    Posted In: NEWS

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    401(k) Participants Turn to Pros For Help Managing Their Money #yathra

    #cheap flights and car rental
    #

    401(k) Participants Turn to Pros For Help Managing Their Money

    You’re a computer engineer, or a nurse, or a graphic designer. Just keeping current in your own specialty is an effort. So what happens to your 401(k) retirement plan while you’re off doing what you do?

    Does it just languish, forgotten, in some dusty corner of your mind? Are you, among millions of others, crossing your fingers and hoping your portfolio will provide?

    Thanks to changes in the industry, investors now can get more help managing their 401(k) accounts. In the past, to prevent conflicts of interest, defined contribution plan providers could make only general asset class recommendations. But regulations now allow financial service companies to hire independent, third-party financial advisers like Ibbotson Associates to manage individual investors’ 401(k) accounts.

    Those who choose professional help will find that the money in their portfolio will be allocated appropriately to funds in their existing plan, rebalanced regularly and adjusted over time to meet changing life circumstances. And these programs are catching on.

    Ibbotson is the independent third-party advisor for 401(k) managed account programs run by AIG VALIC, Fidelity, Great-West Retirement Services, Merrill Lynch, the Principal Financial Group and TIAA-CREF. Although 401(k) managed accounts are only two years old, participation in such programs is increasing rapidly. Currently there is over $10 billion in 401(k) managed account programs, and that number is expected to reach $300 billion in 2010, according to industry research firm TowerGroup.

    A major reason for the growth is that many employees don’t know how to manage their retirement plans. Human resources firm Hewitt Associates found that only 16 percent of 401(k) plan participants made any changes to their accounts in 2004. The study also found that, while some employees were not aggressive enough with their investments, others took on too much risk. For example, participants concentrated about 27 percent of their 401(k) assets in their company stock.





    05/04/2017

    Posted In: NEWS

    Tags: , , , , , , , , ,

    Leave a Comment

    401(k) Participants Turn to Pros For Help Managing Their Money #travel

    #cheap flights with car rental
    #

    401(k) Participants Turn to Pros For Help Managing Their Money

    You’re a computer engineer, or a nurse, or a graphic designer. Just keeping current in your own specialty is an effort. So what happens to your 401(k) retirement plan while you’re off doing what you do?

    Does it just languish, forgotten, in some dusty corner of your mind? Are you, among millions of others, crossing your fingers and hoping your portfolio will provide?

    Thanks to changes in the industry, investors now can get more help managing their 401(k) accounts. In the past, to prevent conflicts of interest, defined contribution plan providers could make only general asset class recommendations. But regulations now allow financial service companies to hire independent, third-party financial advisers like Ibbotson Associates to manage individual investors’ 401(k) accounts.

    Those who choose professional help will find that the money in their portfolio will be allocated appropriately to funds in their existing plan, rebalanced regularly and adjusted over time to meet changing life circumstances. And these programs are catching on.

    Ibbotson is the independent third-party advisor for 401(k) managed account programs run by AIG VALIC, Fidelity, Great-West Retirement Services, Merrill Lynch, the Principal Financial Group and TIAA-CREF. Although 401(k) managed accounts are only two years old, participation in such programs is increasing rapidly. Currently there is over $10 billion in 401(k) managed account programs, and that number is expected to reach $300 billion in 2010, according to industry research firm TowerGroup.

    A major reason for the growth is that many employees don’t know how to manage their retirement plans. Human resources firm Hewitt Associates found that only 16 percent of 401(k) plan participants made any changes to their accounts in 2004. The study also found that, while some employees were not aggressive enough with their investments, others took on too much risk. For example, participants concentrated about 27 percent of their 401(k) assets in their company stock.





    05/04/2017

    Posted In: NEWS

    Tags: , , , , , , , , ,

    Leave a Comment

    401(k) Participants Turn to Pros For Help Managing Their Money #cheap

    #cheap flight and hotel deals
    #

    401(k) Participants Turn to Pros For Help Managing Their Money

    You’re a computer engineer, or a nurse, or a graphic designer. Just keeping current in your own specialty is an effort. So what happens to your 401(k) retirement plan while you’re off doing what you do?

    Does it just languish, forgotten, in some dusty corner of your mind? Are you, among millions of others, crossing your fingers and hoping your portfolio will provide?

    Thanks to changes in the industry, investors now can get more help managing their 401(k) accounts. In the past, to prevent conflicts of interest, defined contribution plan providers could make only general asset class recommendations. But regulations now allow financial service companies to hire independent, third-party financial advisers like Ibbotson Associates to manage individual investors’ 401(k) accounts.

    Those who choose professional help will find that the money in their portfolio will be allocated appropriately to funds in their existing plan, rebalanced regularly and adjusted over time to meet changing life circumstances. And these programs are catching on.

    Ibbotson is the independent third-party advisor for 401(k) managed account programs run by AIG VALIC, Fidelity, Great-West Retirement Services, Merrill Lynch, the Principal Financial Group and TIAA-CREF. Although 401(k) managed accounts are only two years old, participation in such programs is increasing rapidly. Currently there is over $10 billion in 401(k) managed account programs, and that number is expected to reach $300 billion in 2010, according to industry research firm TowerGroup.

    A major reason for the growth is that many employees don’t know how to manage their retirement plans. Human resources firm Hewitt Associates found that only 16 percent of 401(k) plan participants made any changes to their accounts in 2004. The study also found that, while some employees were not aggressive enough with their investments, others took on too much risk. For example, participants concentrated about 27 percent of their 401(k) assets in their company stock.





    04/04/2017

    Posted In: NEWS

    Tags: , , , , , , , , ,

    Leave a Comment

    401(k) Participants Turn to Pros For Help Managing Their Money #adventure

    #cheap flights and hotel
    #

    401(k) Participants Turn to Pros For Help Managing Their Money

    You’re a computer engineer, or a nurse, or a graphic designer. Just keeping current in your own specialty is an effort. So what happens to your 401(k) retirement plan while you’re off doing what you do?

    Does it just languish, forgotten, in some dusty corner of your mind? Are you, among millions of others, crossing your fingers and hoping your portfolio will provide?

    Thanks to changes in the industry, investors now can get more help managing their 401(k) accounts. In the past, to prevent conflicts of interest, defined contribution plan providers could make only general asset class recommendations. But regulations now allow financial service companies to hire independent, third-party financial advisers like Ibbotson Associates to manage individual investors’ 401(k) accounts.

    Those who choose professional help will find that the money in their portfolio will be allocated appropriately to funds in their existing plan, rebalanced regularly and adjusted over time to meet changing life circumstances. And these programs are catching on.

    Ibbotson is the independent third-party advisor for 401(k) managed account programs run by AIG VALIC, Fidelity, Great-West Retirement Services, Merrill Lynch, the Principal Financial Group and TIAA-CREF. Although 401(k) managed accounts are only two years old, participation in such programs is increasing rapidly. Currently there is over $10 billion in 401(k) managed account programs, and that number is expected to reach $300 billion in 2010, according to industry research firm TowerGroup.

    A major reason for the growth is that many employees don’t know how to manage their retirement plans. Human resources firm Hewitt Associates found that only 16 percent of 401(k) plan participants made any changes to their accounts in 2004. The study also found that, while some employees were not aggressive enough with their investments, others took on too much risk. For example, participants concentrated about 27 percent of their 401(k) assets in their company stock.





    04/04/2017

    Posted In: NEWS

    Tags: , , , , , , , , ,

    Leave a Comment

    401(k) Participants Turn to Pros For Help Managing Their Money #freedom

    #flight hotel deals
    #

    401(k) Participants Turn to Pros For Help Managing Their Money

    You’re a computer engineer, or a nurse, or a graphic designer. Just keeping current in your own specialty is an effort. So what happens to your 401(k) retirement plan while you’re off doing what you do?

    Does it just languish, forgotten, in some dusty corner of your mind? Are you, among millions of others, crossing your fingers and hoping your portfolio will provide?

    Thanks to changes in the industry, investors now can get more help managing their 401(k) accounts. In the past, to prevent conflicts of interest, defined contribution plan providers could make only general asset class recommendations. But regulations now allow financial service companies to hire independent, third-party financial advisers like Ibbotson Associates to manage individual investors’ 401(k) accounts.

    Those who choose professional help will find that the money in their portfolio will be allocated appropriately to funds in their existing plan, rebalanced regularly and adjusted over time to meet changing life circumstances. And these programs are catching on.

    Ibbotson is the independent third-party advisor for 401(k) managed account programs run by AIG VALIC, Fidelity, Great-West Retirement Services, Merrill Lynch, the Principal Financial Group and TIAA-CREF. Although 401(k) managed accounts are only two years old, participation in such programs is increasing rapidly. Currently there is over $10 billion in 401(k) managed account programs, and that number is expected to reach $300 billion in 2010, according to industry research firm TowerGroup.

    A major reason for the growth is that many employees don’t know how to manage their retirement plans. Human resources firm Hewitt Associates found that only 16 percent of 401(k) plan participants made any changes to their accounts in 2004. The study also found that, while some employees were not aggressive enough with their investments, others took on too much risk. For example, participants concentrated about 27 percent of their 401(k) assets in their company stock.





    04/04/2017

    Posted In: NEWS

    Tags: , , , , , , , , ,

    Leave a Comment