401k's In Action

By Michael Swanson

You need 401k advice. Years ago almost every employee in every company received a pension through a company paid pension plan. People stayed on one job for their entire career and companies felt it was their duty to provide this type of loyalty after retirement as well. The major benefit of having a pension was that the employee didn't need to contribute. It was a gift. Then life changed and so did corporate America. Companies still were willing to help you after retirement, but they looked for other vehicles to do it. And so came the 401k plan.

The 401k became the preferred method for most (non-union) companies to help employees invest for the future. The employer really has no responsibility other than selecting a financial institution, usually a brokerage house, to manage the plan. Even though many companies have a contribution plan where they provide an additional percentage of your own contribution, there is no law saying they need to. In today's financial climate most companies either don't contribute, or they contribute very little.

The law allows employees to invest a maximum of $15, 000 a year. It doesn't matter how much they make. These funds are comprised of mutual funds of varying degrees of safety, and you can choose which ones you'd like to invest in. Keep in mind that you can only invest in what the brokerage firm sponsors.

Although a 401k might seem ideal at first glance, not all are worthy of our hard earned money. There are many plans and funds out that simply don't perform well. Any help you receive as you establish your 401k will most likely be provided by partial salespeople for the investment company who are all on commission to sell their products.

If you try to withdraw any funds from your account before the age of 59, you will be taxed and then stuck with another penalty from the IRS. You invested with pre-tax dollars, so you're going to pay your taxes at the end.

When the time comes to leave your company, don't forget to take your 401k with you. Get some professional financial advice on rolling it over into another 401k or a Roth IRA. - 23222

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Should GM Go Through A Corporate Name Change?

By Jennifer McClelland

There have been quite a lot of corporations that have replaced their names subsequent to coming under attack and falling into bankruptcy. Some of the companies that have done that include ValuJet or now known as AirTran, Altria or as you may have once known it, Philip Morris, and Xe, which was once known as Blackwater. Even electronics maker LG has changed its name from Lucky Goldstar to just LG and claimed that it stood for Lifes Good and now its performing superbly with its sales of consumer electronics and appliances.

These businesses have done well with the name modification; it is as if they are detaching what they once were and becoming a another company with a sparkly, virtuous representation.

Marketing professionals across the country agree that the rebranding of GM could be a good thing. If the goal is to try and put this company on a huge diet and just turn it into a smaller car manufacturing company, Im not positive thered be that much damage in rebranding, said Jean-Pierre Dube, a University of Chicago marketing lecturer. The name isnt in good form, he stated, so they have not much to misplace.

The General Motors make has already become a flawed brand, with a reputation of constructing shabby quality cars and now with a massive bankruptcy filing under its belt, not to bring up what everyone thinks about the business taking all that federal cash to keep from having to file for the gigantic bailoutwhich they filed nonetheless.

Of course, right now many GM officials are sticking to what they know and not wanting to re-brand the corporation. CEO Fritz Henderson stated that re-branding wasnt very high on his list of things to do in the corporation. Which is probably a good thing to do taking into consideration all the troubles he inherited, but couldnt rebranding be given to the marketing department? After all, GM in spite of everything has one of those and it actually doesnt have the money to be throwing into high-cost television spots at present.

Bits and parts of GM have by now started to be rebranded; GMAC financial services has replaced its name to Ally Bank and General Motors Asset Managemnet is currently known as Promark Global Advisors.

But, with a company that is as well known as GM could it work?

I dont see anything wrong with trying to perhaps market the company differently than before, but an entire new brand could be tricky to pull off for the business. I believe that the best implementation of rebranding could come from if it were to rebrand some of its subsidiaries such as Chevy or Cadillac. - 23222

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Have You Ever Wondered Where To Get Cheap Mobile Phone Deals?

By Chuck Stone

When we hear about getting those "cheap mobile phone deals" we tend to believe that we are going to have to get a basic phone without any features just to be able to save money. We know that when you are cutting back in finances it usually entails leaving out features; however when it comes to the cellular technology this is not always the case. In fact this is one of the main reasons that we wrote this article we wanted to show you how to find the best cheap mobile phone deals and still get the features you want.

Do you constantly find yourself in search of ways to get the best deals? Or are you the type of person who seems to waste so much money because you neglect to do your research on finding the best deals. Well if you are tired of paying those high costs on the phones that have become so popular then you are going to find this article helpful. We understand that people everywhere are trying to save their hard earned money especially since everything such as gas and food continue to go up in price. You do not have to worry about getting a phone that you will hate and does not have the features that you really want.

We all know that we love the fact that caller ID has been invented. We hate picking up a phone and then talking to someone that we do not want to. Well if you have been unable to afford caller ID in the past then you will be happy that you will now be able to get this feature.

It seems that cell phones have become so affordable that almost everyone has one. Well if you have not realized that you can get some of the best deals online; you are now going to be amazed. In fact if you have never done any type of online shopping it does not matter. You will discover that some of the best prices of mobile accessories can be found online because you are buying directly from the dealer without having to worry about a middle man.

We all know that when we walk into a dealership we have to deal with a sales person who is going to have to get their commission. What you may not realize is that his/her commission is going to be paid in the price of your phone. One of the things that you should do is go into the stores and then when you see a phone that you like; write down all the information about that particular phone and then go online. You will discover that it will not be difficult to find that same phone at a better price online because the middle man is gone.

If you want to find the best "cheap mobile phone deals" then do not hesitate to visit our site right now. You will discover some of the best deals that you may not even know about. You can begin saving money right now with some of the hottest mobile phone deals and accessories easily. - 23222

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Stand Out From the Crowd; Follow Through With Stock Trading

By Chad Reynolds

Have you always wanted to learn about stock and finally get some stock education? Well, you're not alone. There are lots of people out there who have always thought it may be too hard, too time consuming or too expensive to learn how to trade their own stocks.

Believe it or not, your ability to trade stocks on your own and eventually become a professional profit trader rests in your own hands. Many people want to know if "Trading Stock for Dummies" actually exists? Here are exactly the tools you need to become a real stock trader: hard work, dedication, focus and a great stock trading training program.

So the focus, hard work and dedication part is on you. Many people don't succeed in stock trading simply because they are too distracted by everyday life events to fully dedicate themselves to learning the material. But another problem is when they don't understand the terms being used, they get frustrated and then they easily give up. Sometimes people subscribe to a trading training program that is over their heads.

It is extremely important to choose a profit trading training program that fits your needs and learning curve in order to make you a success story in the long run. You should pick a training program that genuinely cares about your success and will be there for you when you have questions or if you feel frustrated.

An excellent feature to look for is the option to join a Master Mind Training group. This will give you an opportunity to discuss trading techniques, issues and questions with other traders in your field. The group's goal is to hold everyone else in the group accountable for their stock trading goals, which will help keep you focused and motivated. The lesson here is to look for a training program that can offer extra features besides the basic training courses.

If the training center of your choice is up-to-date and current, then they can also offer you the option of podcasts, so you can study on the go, in the car, on the train or while you're between meetings or phone calls. Another great feature to look for is access to the training center's resource library. This is where they keep eBooks, special reports, past recorded seminars and webinars and much more resources that can help you on your way.

If the trading center is beneficial to experienced traders and those traders join the membership, then that gives you an excellent opportunity to converse with professionals who are already in the field. The name of the game is to make contacts and network. While you're choosing the best training center for you, also keep in mind that it is best to choose a center that offers materials and services for the beginner traders, as well as the experienced trader.

All it takes is hard work, dedication and focus. All of this can be accomplished with a great stock trading training center and you'll be trading stocks before you know it. Once you've done some research, you will see that becoming a profit trader is not out of your reach. - 23222

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Want to find out more about stock for dummies, then read more from Chad Reynolds' blogs. He will teach you on how to choose the best stocks and give you a real stock education.

Keeping Your Property Up to Date with Building Maintenance

By Peter Kerr

When owning or renting a building or other property, building maintenance is an important component in also maintaining a high quality of life for those who live in the building. This can be as simple of a task as daily cleaning to keep the building in shape, such as vacuuming, dusting, and mopping floors. It can also include more involved projects, such as plumbing, working on electrical wiring, installing air conditioning, and other technical tasks that arise around a building.

Property maintenance is generally the responsibility of the person who owns or manages the building. In apartment situations, there is usually a management company that tenants can call if there are any issues with the building, including water leaks or power outages. The management company then assigns these tasks of repair to independent contractors that they have encompassed into their network.

Retail or business buildings normally require more regular property maintenance compared to residential complexes. In order to make a lasting impression on clients, the owners will want to make sure everything is in good working order, and is up to scratch with industry standards in terms of technology and cleaning products. As a result of this, many office buildings tend to keep maintenance personnel on staff, on-site and on-call in case any issues arise, eliminating the waiting around for a repairman to arrive.

Locksmiths are a valuable aspect of building maintenance, providing service to tenants in residential buildings, or to office workers in commercial. Locks have been around for over 4000 years, making being a locksmith one of the oldest professions in the world, and one that is unlikely to go away as long as there is a need for security. Plumbers are also professionals who are frequently called, and electricians. These are all examples of jobs that will always be in demand.

Apart from general upkeep, building maintenance can also include total renovation, which is a more complex and involved project. If a building is really falling apart, professionals can be called in to refurbish the whole thing, adding strength to building support and structural repair. This may be a necessity if the building is violating health codes or is otherwise unsafe for its occupants. This renovation can also be undertaken for aesthetic value, by contrast. Either way, the maintenance is part and parcel of owning or renting any property, and should be considered a vital expense when making a budget. - 23222

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If you own a building or property and need Building Maintenance, then pay a visit to the guys at Auckland Building Maintenance now!