Retirement plans
There are numerous plans the we can analyze that fall into the retirement plan category, most of these plans allow investors to deposit their monthly sum into the retirement plan account before taxes have been deducted. Some employers have a system whereby they match your contribution, thus doubling your savings every month(corporate matching). Most retirement plans do not allow you to withdraw any funds from the account, there are however some newer schemes that allow early withdrawals or make the cash available via some sort of loan agreement with the financial institution. Rates of return on retirement plans vary depending on the initial and monthly investments, since you can invest in stocks, bonds, mutual funds, CDs, or any combination.

Lets have a closer look at some available retirement options:

• 401(k) retirement plan: The 401k refers to a retirement savings vehicle offered by employers, named after the Internal Revenue Code section in which it is covered in legislatures. Taking the tax advantages into consideration and the possibility of corporate matching (when your employer matches your own contribution), the 401(k) is well worth considering.
• 403(b) retirement plan: This refers to the 401(k) plan for non profit organizations. Local and state governments offer the 457 plan.
• Individual Retirement Account (IRA): An IRA falls into the group of plans that allow you to put some of your income into a tax-deferred retirement fund, you won’t pay taxes until you withdraw your funds. Withdrawals are taxed at regular income tax rates, not at the lower capital gains rates. All IRAs are specialized savings accounts. IRA’s allow the investors to invest his money in anything they prefer.
• Roth IRA (Individual Retirement Account): Roth IRA’s differ from the normal IRA’s in that it provides no tax deduction up front on any contributions made. It does however offer total exemption from federal taxes when you use the funds to pay for your retirement or your first home.
• Keogh: Keogh is a special type of IRA that doubles as a pension plan for a self-employed person. The Keogh plan allows self employed people to save a lot more than the allowed $2 000 when investing in an IRA.
• Simplified Employee Pension Plan or SEP Plan: A SEP is a specialized form or the Keogh-individual retirement account. SEPs were introduced so that small businesses could also offer retirement plans. These plans are a lot easier and more efficient to administrate. SEP’s allow employers and individuals to contribute towards the pension plan.

Well, I hope this has shed some more light on 401 K, IRA’s, Keogh’s, SEP’s and other retirement plan options that are available today.

Devon Aoki recently had the unfortunate for her and lucky for us wardrobe malfunction on the runway exposing her super hard nipples!!! Devon is a gorgeous american model with amazing breasts! Well, I hope you enjoy and remember to keep coming back for more…

Lieke van Lexmond is most famous for playing Charlie Fischer Sanders in Goede tijden, slechte tijden or GTST, meaning “Good times, bad times”. It is the longest-running Dutch soap opera to date. It started airing in 1990 on RTL 4 and was the first daily soap produced inside the Netherlands.

The Soap opera has made many Dutch actors and Lieke van Lexmond is definitely one of them. Being spotted by playboy was another. Here is the photos of Lieke van Lexmond naked in playboy. Enjoy!

Rebecca Loos - Naked, topless and horny on the beach

I have been revisiting some of the older stories and celebrities I can remember being involved in some or other scandal. Which is one that immediately springs to mind? David Beckham and Rebecca Loos sex scandal of course. Well, here are a couple of pictures showing just what Mr. Beckham was enjoying on the side…

Savings and Investments - Bonds, stocks and mutual funds

As we all know, it is important to make provision for the day we can’t provide for ourselves anymore, thus in this post I will be looking at two forms of investment and saving vehicles. Short term savings and investments as well as long term investment options:

Short-Term Savings Options

• National Savings account: Savings accounts are probably the first accounts anyone owns as they are needed for employers to be able to make your monthly income payments. Unfortunately savings accounts only earn a small percentage in interest (anywhere from 2.0% to 4.0%, often less), this often discourages people from using them and the money ends up under the mattress..
• Money market funds: Money market funds are a specialized type of mutual fund. They are mostly utilized for short term bond investments. Unlike most mutual funds, money market shares have been designed to never go under the $1 per share mark during the investment lifetime. Money market funds usually pay better interest rates than a conventional savings account, but below what you could get in certificates of deposit. Money market options usually also enforce a minimum amount required to keep the account open and function unlike a savings account which you can start with any amount.
• Certificate of deposit (CD): A cd is a specialized deposit you make at a bank or any other financial institution. The certificate of deposit’s interest rate is usually about the same as that of short term or intermediate bond investments. Interest payments are made at regular intervals until the CD matures, at which point you get the money you originally deposited plus the accumulated interest payments are paid out.

Long-Term Investing Options

• Bonds: Bonds come in various shapes and sizes. Bonds are also known as “fixed-income” securities because bonds generate the same amount of interest each year, this amount or percentage is calculated when the bond is sold. From an investor’s point of view, bonds are very similar to CDs, except that they are issued by the government or by corporations instead of banks.
• Stock: Stocks allow individuals to own parts of a specific company or corporation. A stock share represents a proportional share of ownership in a company. A share’s value will increase and or decrease over its lifetime as the value of the company increases or decreases.
• Mutual funds: Mutual funds allow many people to buy certain stocks, bonds or any other commodity the fund manager deems a worthy investment. This type of investment allows people to own stocks that they normally would not be able to afford on they’re own.

I hope this sheds some light on the investment and savings options that are available today. Please check back soon for more.

After a long day at the office I started surfing around and came across this post, it’s basically 35 of the coolest facts that I didn’t and I am sure there are many more of you who wont either. Here are some facts taken from the list:

1. Almonds are a member of the peach family.
2. Winston Churchill was born in a ladies’ room during a dance.
3. Maine is the only State whose name is just one syllable.
4. There are only four words in the English language which end in “dous”: tremendous, horrendous, stupendous, and hazardous.
5. The characters “Bert” and “Ernie” on Sesame Street were named after “Bert the cop” and “Ernie the taxi driver” in Frank Capra’s “It’s a Wonderful Life.”
6. A cat has 32 muscles in each ear.
7. An ostrich’s eye is bigger than its brain.
8. Tigers have striped skin, not just striped fur.
9. In most advertisements, the time displayed on a watch is 10:10.
10. Al Capone’s business card said he was a used furniture dealer.
11. Los Angeles’ full name is “El Pueblo de Nuestra Senora la Reina de los Angeles de Porciuncula.”
12. A dragonfly has a life span of 24 hours.
13. The microwave was invented after a researcher walked by a radar tube and a chocolate bar melted in his pocket.
14. A goldfish has a memory span of three seconds.
15. In England, the Speaker of the House is not allowed to speak.
16. There are 336 dimples on a regulation golf ball.
17. The average person falls asleep in seven minutes.
18. The giant squid has the largest eyes in the world.

Please see the full post here: http://www.anxus.com/the-coolest-35-facts-youve-never-heard/

I recently received these brilliant “facts” from the movies and thought it was worth the share and a good laugh!

1. Large, loft-style apartments in New York City are well within the price range of most people–whether they are employed or not.
2. At least one of a pair of identical twins is born evil.
3. Should you decide to defuse a bomb, don’t worry which wire to cut. You will always choose the right one.
4. Most laptop computers are powerful enough to override the communications system of any invading alien society.
5. It does not matter if you are heavily outnumbered in a fight involving martial arts: your enemies will wait patiently to attack you one by one by dancing around in a threatening manner until you have knocked out their predecessors.
6. When you turn out the light to go to bed, everything in your bedroom will still be clearly visible, just slightly bluish.
7. If you are blond and pretty, it is possible to become a world expert on nuclear fission at the age of 22.
8. Honest and hard-working policemen are traditionally gunned down three days before their retirement.
9. Rather than wasting bullets, megalomaniacs prefer to kill their arch-enemies using complicated machinery involving fuses, pulley systems, deadly gasses, lasers and man-eating sharks, which will allow their captives at least 20 minutes to escape.
10. All beds have special L-shaped cover sheets that reach the armpit level on a woman, but only to waist level on the man lying beside her.
11. All grocery shopping bags contain at least one stick of French bread.
12. It’s easy for anyone to land a plane, providing there is someone in the control tower to talk you down.
13. Once applied, lipstick will never rub off–even while scuba diving.
14. You’re very likely to survive any battle in any war unless you make the mistake of showing someone a picture of your sweetheart back home.
15. Should you wish to pass yourself off as a German or Russian officer, it will not be necessary to speak the language. A German or Russian accent will do.
16. The Eiffel Tower can be seen from any window in Paris.
17. A man will show no pain while taking the most ferocious beating, but will wince when a woman tries to clean his wounds.
18. If a large pane of glass is visible, someone will be thrown through it before long.
19. If staying in a haunted house, women should investigate any strange noises in their most revealing underwear.
20. Computer monitors never display a cursor on screen but will always say: “Enter Password Now.”
21. Even when driving down a perfectly straight road, it is necessary to turn the steering wheel vigorously from left to right every few moments.
22. All bombs are fitted with electronic timing devices with large red readouts so you know exactly when they’re going to go off.
23. A detective can only solve a case once he has been suspended from duty.
24. If you decide to start dancing in the street, everyone you meet will know all the steps.
25. Police departments give their officers personality tests to make sure they are deliberately assigned a partner who is their total opposite.
26. When they are alone, all foreign military officers prefer to speak to each other in English.