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Samuel Martin
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Guidance for Retirees on Managing InvestmentsFinancial media have put so much focus in recent years on how investors can accumulate wealth for retirement that they often have overlooked what investors should do once they actually retire. Smart Moves for RetirementWith health care costs continuing to increase, the future of Social Security unclear and pension plans available to fewer and fewer workers, America's retirement readiness is a major concern for both individuals and the nation as a whole. Roll Over your IRA for a More Secure FutureThe convenience of 401(k)s and other employer-sponsored retirement plans have turned many Americans into investors. That's good news, since it is becoming evident that fewer retirees in the future will have substantial pensions and more will have to rely on their own savings to cover their needs. Debunking Common Knowledge About IrasAccording to a recent "Retirement Trends" survey by Fidelity Investments, 96 percent of Americans saving for retirement don't know the current contribution limit for an individual retirement account, with some guessing as low as $1,000. The reality is that for tax year 2005, IRA contribution limits increase to $4,000 -- up from $3,000 in 2004. Building Confidence in your Retirement FutureIn the next 10 years, the first wave of America's 76 million baby boomers will be retiring. Since today's retirees are generally healthier and more active than their parents, they are looking forward to living longer and spending more time playing with grandchildren, pursuing hobbies or even trying new careers. Great Giveaways you Can Find OnlineCell phones are everywhere and are more compact and feature-rich than ever before. The newest and best phone is always very expensive, but now you can get a variety of popular Motorola cell phones for free, including the Razr V3. Software Takes Online Trading to Next LevelOnline brokers are offering better features today, even as fierce competition leads them to charge less than ever before. More sophisticated software-based trading tools are emerging as an alternative to traditional Web site transactions. Online Trading Speeds UpOnline trading flourished during the dot-com boom and remains a popular way for individual investors to manage their portfolios. Long gone are the days when one needed to call a stockbroker to trade stock and the high fees associated with such one-on-one transactions. Marketers Use Giveaways to Drive Web TrafficIn 1999, as many of the dot-coms crashed, a new form of consumer marketing was taking hold on the Internet. Web marketers, hungry to drive sales on e-commerce sites, launched affiliate networks that represented leading advertisers such as BMG, Blockbuster, NetFlix, Discover Card and hundreds of others in what is known as "affiliate marketing." Adventures for RentAre you bored with the humdrum? Rusty with routine? What you need is an adventure.
If you've been dreaming of a getaway or want to join the other 98 million adults in the U.S. who have taken adventure vacations in the last five years, it
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