text:
What to keep in mind when choosing the next CRTC chair
Industry groups are calling for gender balance, greater visible minority presence and a stronger background in media production for upcoming appointments.
More than 20 industry organizations have jointly signed a letter offering recommendations to Canadian Heritage for filling open positions at the CRTC.
There are currently four positions in need of appointments. Chairman Jean-Pierre Blais' term ends on June 17, while vice-chair of broadcasting Judith LaRocque's position ends May 12. Both Blais and LaRocque could, of course, be reconsidered for the positions, if they did in fact reapply. That said, only one CRTC chair has ever been reappointed for a second term since the Commission was established in 1968.
Meanwhile, the Ontario regional commissioner position has been vacant since Raj Shoan was dismissed from office last June, while the Manitoba/Saskatchewan regional commissioner job is also up for grabs after Candice Molnar's term came to an end in January.
In a letter addressed to Heritage Minister Melanie Joly, the CMPA, ACTRA, WGC and other unions and guilds, asked the government to consider three recommendations. First, that the appointees have a professional background and in-depth knowledge of Canada's screen-based industries.
A study by the Forum for Research and Policy in Communication found that only 20% of past appointees have had backgrounds in the arts and culture sector. The CRTC has appointed 103 people in its history. The study could find occupational history information for 99 of those appointees. Of the 99, 34 worked in areas such as advertising, broadcasting or telecommunications management; 23 were lawyers and 19 worked in the arts and culture. Of those in the culture sector, two worked as publishers, two as anchors, one worked in CBC programming, while five were journalists. According to the signatories, none of these appointees, however, had experience in film, TV or digital media production.
"Appointing a qualified candidate with a particular background and experience in the media production sector would provide the CRTC with varied perspectives and a much deeper knowledge of the content sector. This perspective and experience is particularly relevant given how fundamental Canadian content is to our communications system and to the policy objectives set out by the Broadcasting Act," the letter states.
The signatories also asked that the Commission ensure greater gender balance in its appointments, noting that only 27 of the 103 people appointed to the CRTC in its history have been women. Lastly, they called on the CRTC to have a greater reflection of cultural diversity in its appointees. In its history, only two of the 103 people appointed to the CRTC have been visible minorities, and only one was an Indigenous person. Moreover, no member of a visible minority has ever been appointed as chair or vice-chair.
As of press time, Canadian Heritage has not responded to requests for comment.


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News: 11 March 2016 - Forum Rules Current Moderators - DarkSol, KingMike, MathOnNapkins, Azkadellia, Danke
And regarding sound, emulators deal with that just fine. You don't need the FPGA to mimic something like the Genesis' FM synth, handheld sound hardware is much simpler.
It was my understanding that the Lameboy emulator for DS never had satisfactory sound quality, and that Goomba (in GBA mode) was preferable.
Also, wasn't Hyperkin planning on making their own Game Boy recreation? I wonder how Analogue's announcement is going to influence that.
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text:
Lindsyana Medium Succulents 9cm
This item is sold in multiples of 20.
20 or more
$9.12 each
- * Actual product may vary from image.
- * 5 Day Advance Purchase Required.
- * Earliest delivery when ordered by 2PM ET today is Jan 28.
Take your floral arrangements to a whole new level with the addition of wholesale medium Lindsyana succulents from Blooms by the Box. They pair perfectly with a more traditional bouquet or centerpiece. They look especially lovely when mixed with other succulent varieties to create nontraditional floral arrangements. Lindsyana succulents feature a deep blue-green color with leaves that are tipped in reddish purple. The triangular leaves form a rosette-shaped plant that looks attractive and are a great design accent and focal point.
|9 cm diameter
|Vase Life:
|12-14 days
|Price Class:
|$ $ $
|Special Care:
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|Use floral wire to incorporate succulents into a bouquet or centerpiece. Insert the wire into the cut ends of the plants before arranging. Combine succulents with other succulent varieties or any kind of plant or flower in order to create unique decor.
More Succulents


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DescriptionRod Miller is a Certified Financial Planner professional in Springfield, MO. He is registered with Cetera Financial Specialists, LLC. Rod has held an industry securities registration for 29 years and is subject to SEC and FINRA oversight, as well as the State of Missouri Securities Division, and the Missouri Department...Read Full Bio of Insurance. He provides Financial Planning, Portfolio Management and Retirement Planning services to clients in Southwest Missouri. Rod has worked with clients throughout the Ozarks to provide financial planning services, including estate planning and college planning. Rod specializes in retirement planning services, including assisting clients with 401k, 403b, IRA, Simple, SEP, and and other retirement vehicles. He entered the Financial Services business in 1984, obtaining the Chartered Financial Consultant (ChFC) and Chartered Life Underwriter (CLU) designations in 1989, and the Certified Financial Planner (CFP®) designation in 1992. He practices independent, holistic, client centric financial planning (fee based when practical)... ie, comprehensive, one on one planning... getting to know you, your family, your goals, and needs better than any other advisor. Necessarily, he will bring in other advisors, or work with yours, to help you make your dreams come true. "Products", while often required, are viewed merely as tools that he uses to help you meet your goals. He has no "favorites", and does not take directions from the "home office" as to what you should "purchase". He views his clients as friends, his passion, and ultimately, his responsibility. His main focus is in helping clients avoid risk in their accounts, while earning acceptable returns, using proprietary asset management teams. Specialties: Wealth Management, including, but not limited to: Financial Planning, Investment Management, Business Succession Planning, Insurance Analysis, and Estate Planning.Read Less
other namesRodney Miller
Other Firms
doing business asRod Miller, CFP®, CLU, ChFC
typeRegistered Representative
1609 S Enterprise Ave
Springfield, MO 65804
Advisor Services
Financial Planning
- -Estate Planning
- -Comprehensive Financial Planning
- -Retirement Planning
- -College Planning
- -Charitable Planning
- -Other Financial Planning
- -Tax Planning
- -Life Insurance
- -Health Insurance
- -Long-Term Care Insurance
- -Annuities
- -Business Insurance
Pension Consulting
- -401k
- -403b
- -457
- -Defined Benefit
- -Other Pension Consulting
Portfolio Management
- -Individuals and/or Small Businesses
- -Businesses or Institutional Clients
- -Other Portfolio Management
Funds Used With Clients
There are no funds listed for this advisor at this time.
Firm Client types
There is no client type data to display at this time.
No timeline events available.
|Kestra Financial, Inc.
|1 year, 2 months
|Nov 2018 - Present
|Hagan & Miller Financial Advisors
|5 years, 4 months
|Oct 2014 - Present
|Cetera Financial Specialists LLC
|7 years, 6 months
|Aug 2012 - Present
|Cetera Investment Advisers LLC
|7 years, 6 months
|Aug 2012 - Present
|Bank of America, N.A.
|9 months
|Oct 2011 - Jul 2012
|Merrill Lynch, Pierce, Fenner & Smith Incorporatedspringfield, Mo
|1 year, 2 months
|May 2011 - Jul 2012
|Merrill Lynch, Pierce, Fenner & Smith Incorporated
|1 year, 2 months
|May 2011 - Jul 2012
|Piatcheck & Associates
|10 years, 10 months
|Jul 2000 - May 2011
|Connecticut Mutual Life Insurance Co.
|18 years, 5 months
|Dec 1992 - May 2011
Designations & Memberships
Membership information not available
Articles and Answers
Insights by Rodney Miller
There are no insights for this advisor to display at this time.
AnswersAsk a financial questionAsk a question
|Should I keep my portfolio with Fidelity or move my funds to a Vanguard target fund in order to preserve principal, maximize return and lower fund advisory fees?
Kudo's to my accomplished colleagues above for their stellar advice. Based on your age, and what I've been able to understand from your above post, I'm still a bit confused as to what your real goal is... is it lower fees, stellar performance, or safety for your assets during these "withdrawal year...  (more)
Answered Mar 2013
|I want to take out $10,000 from my simple ira. What should I plan on withholding for taxes?
It all depends. The tax on this withdrawal will be whatever your top marginal bracket would otherwise be in the year in which you take the money out. In addition, there will be a 10% penalty assessed as well. As such, in a hypothetical 28% Federal tax bracket, and a 6% state tax bracket, that wou...  (more)
Answered Nov 2013
|How do I find out all the hidden fees & expenses I am paying in my employer sponsored 401K plan?
On August 30th, the major new 401K Disclosure federal law goes into effect. For the first time, employers will be required to disclose information about fees and costs their employees are paying, to their determent! This new law will affect both companies who offer 401Ks and employees who have acc...  (more)
Answered Feb 2013
|I am 63 and have retired and transferred my retirement plan to a broker, a regular rollover IRA. I assume, I can withdraw some of my money as I need without penalty and of course pay the necessary taxes. However,?
All excellent answers. Do check with your broker to make certain there will not be any charges to your investments due to early surrender, or, if there will be trading costs involved. He/She can also help you determine which investments in your portfolio would be most cost efficient for you to wi...  (more)
Answered Apr 2013
|Whats the difference between 7702 v 401K?
It all depends on your personal situation. A 401k most likely offers an employer "match" to what you contribute... for example, if, say, it's 50% of your contribution, which may vary depending on you individual plan... that's a 50% return on your investment even if the investment earns a zero perce...  (more)
Answered Feb 2013
|I opened up life insurance policies years ago under RiverSource Insurance. I don't think I'm still paying on them but how do I find out if there's any cash value? When I call the 1-800# on my paperwork, it doesn't work.?
Try this number: 1.800.333.3437Hope this helps......  (more)
Answered Dec 2012
|Hi I'm an investor with Signator Investment Inc. How can I, on-line look at the type and status of my investments.
Try this website for login information... and, in the future, do NOT post your brokerage account number to public sites... https://www.johnhancockfinancialnetwork.com/individual-investors/helpdeskThanksRod MIller, CFP, CLU, ChFC...  (more)
Answered Mar 2013
|How do I go about finding out if I have any 401 k money that I can get from when I worked at circle k?
Great advice from both David and Pam. We see many of these in the course of our careers. As stated above, either contact the HR department for the company you worked for, or the plan administrator if you have that information available. When all else fails, contact the Pension Benefit Guaranty Co...  (more)
Answered Aug 2013
|I used to work at coconut till 2011 how do I find out what happend to my 401k?
Okay... I'll take a shot at this. Number one, what is "Coconut"??? I assume it was the name of the company with which you were employed. Number two... you should have received some form of documentation regarding your 401k, both when you enrolled in it, and, after you left.I'd first contact the ...  (more)
Answered Oct 2013
|Can my mother-in-law (not currently employed) transfer a defined benefit plans (from a past employer) in to an IRA/Roth? As she's not working, but my father-in-law is, can they open this jointly so that they he can contribute to it?
From the United States Department of Labor:If an employee leaves after vesting in a benefit but before the plan's retirement age, the benefit generally stays with the plan until the employee files a claim for it at retirement. Some defined benefit plans offer early retirement options.http://www.do...  (more)
Answered May 2013
|I am a lawyer in a firm with three lawyers and 12 staff members. I am struggling to determine what type of retirement plan is best for us - 401(k), SEP-IRA or Simple IRA. More than half of the employees (including the two partners) are over 60 with about 5 employees under 50. Can you offer some a
I think Hilary nailed it on the head. If there were a "best plan" for all, obviously it would be the only one out there. When dealing with clients, there are several considerations to finding the "best plan" out there. I'd suggest first finding a few qualified professionals, and see what they wou...  (more)
Answered Apr 2013
|I worked for an SPX company, Contech from 1998 until they sold the company in 2007. During that time, there was a pension that was added on an hourly basis of .31. I never received a distribution. How do I find info about this?
First, if it was a defined benefit plan, you would generally not be eligible to draw benefits until "normal" retirement age, at which point you would receive a monthly benefit from the plan. Not knowing your age, or the vesting requirements of the plan, I cannot comment on that.However, you should...  (more)
Answered Mar 2013
|If you had $500 dollars to start investing, what would you do with it?
All good answers from Mr Keeler...However, without knowing your personal financial situation, It's always hard to give a definitive answer.While actually investing the money is a noble and logical solution, also consider paying down any debt you have. If you have credit card debt, it's likely cos...  (more)
Answered Apr 2013
|My husband and I are about to make the leap from being students to having salaries for the first time. Would a financial adviser be able to help us transition from living paycheck-to-paycheck to starting to think about the future?
Jera, Congratulations to both of you. I remember how proud we were when our daughter completed her Masters in Psychology.In order to answer your question, I need to share a story with you.My first Physician client, back in the 80's had just graduated, completed his internship, and residency. He...  (more)
Answered Apr 2013
|How do I find out my account balance?
Marvin,I'd love to help you out on that question, but... you've not provided much information here, aside from your name and your question.A couple of things that would help, is, who your employer (or previous employer) is.Which Company handled the plan you were involved with, etc...If you can g...  (more)
Answered May 2013
|Can I retrieve my 401 K from Samuel Merritt?
You should have received information regarding this when you left the company, or shortly thereafter. If not, contact their HR department to find out what you need to do to either withdraw the funds, or to transfer them to your new 401k or your IRA plan.You can also contact the plan provider itsel...  (more)
Answered Jul 2013
|What are the pros and cons of using a stock purchasing website like Loyal3?
Well, first of all, no fee usually means "no help". However, if you're will to forego instant buys and sells, and do your own research, there may be something here for you. Of course, the "lag time" might make it difficult to get in or out at the most opportune time.A review of this site, and the...  (more)
Answered Sep 2013
|What is Index Universal Life. Why is it being sold as a 7702 plan, Can I withdraw any amount of money without a tax penalty?
Ursula,This is a very complex question, so, I'll try and simplify it the best I can in limited space.Index Universal Life is merely a Life Insurance product that, instead of using "current market rates", links its return to some index of the markets, most often the S&P 500 Index. The company ...  (more)
Answered Jul 2013
|I have a universal life policy for $150,000. I am 55, female, married.
I want to purchase long term care insurance. How could I use my policy to purchase long term care insurance and is that a good idea? My husband does not need the life insurance money.
Mark gave some great advice there. One more thought is that a lot of insurance companies now offer life policies and annuities that have Long Term Care benefit riders. In essence, they can do "double duty" to help out with Long Term Care costs into the future. I'd really recommend you finding an ...  (more)
Answered May 2013
|I want to know the status of my pesion plan. Plan number 16-0999333-001.
I would like to know any information you can provide.
David Gelabert?
David,As I've often answered before, NEVER, EVER, post your name AND plan number online. You're just aking to get hacked, or, worse yet, your identity to be stolen.So, as my colleagues above have stated, the best place to start is with your last statement. There should be a contact number there....  (more)
Answered Mar 2013
|I would like to compare our firm's 401(k) plan (ABA REtirment Funds Program) performance against other plans, but I don't see that plan on your list. How would I otherwise go about getting a comparison? Can you give me a relative rating of our plan?
Kathleen,Please check the link below to see if this possibly answers your questions... I'm assuming by ABA you are referring to the American Bar Association?Best Regards,Rod Miller, CFP, CLU, ChFChttp://www.brightscope.com/401k-rating/164166/American-Bar-Association/166651/Thrift-Plan-For-Employ...  (more)
Answered Mar 2013
|My question regards being designated a highly compensated employee. For 2013 I have been designated as such which limits my 401k contributions regardless of source; i.e. pre-tax/post tax/Roth etc. My dilemma is this..for 2013, the limits of being HCE will not let me contribute the $17.5k maximum t
After reviewing the replies of my distinguished colleages above, I suggest you read their comments again, then research on your own. Many great answers here.Rod Miller, CFP, CLU, ChFC...  (more)
Answered Mar 2013
|Can you tell me a good, honest and simple book to read on investing?; it should have a sound investing startegy?
The Top 5 Investment Books Of All Time1. The Intelligent Investor, The Definitive Book On Value Investing, Revised Edition, by Benjamin Graham, Jason Zweig and Warren BuffettThis was the most read book in the office. It's considered a 'classic.'Originally written by famed value investor Benjamin ...  (more)
Answered Apr 2013
|India - CD - investments?
This is a tough question without knowing more details, but, I'll give it a shot. First, it all depends. Are you Indian citizens residing in the United States, or in India? In which country(s) do you file your tax return(s)? What's your annual taxable income, both inside and outside India?It's m...  (more)
Answered Jun 2013
|Why do some companies' 401k plans offer to invest in employer stock through unitized stock funds? Thanks.
From the Internet:Does your 401(k) plan offer participants the opportunity to invest in employer stock through a unitized stock fund? If so, you should review and consider whether your plan's investment committee (or your board of directors or other plan fiduciary responsible for selecting and moni...  (more)
Answered May 2013
|How old do you have to be to retire, also how many years do you need?
Well, that's a very broad question. I suppose you can retire at any age, with enough money to support you. A friend of mine retired at age 37. But, I assume you're asking at what age you can reitre with the most 401k and Social Security benefits. The earliest you can claim for Social Security R...  (more)
Answered Jun 2013
|My wife and I have about $240,000 in 401k, $40,000 equity in our second house (which we rent out for close to mortgage costs), and I am 46 and she is 44. What else can we do to maximize our ability to retire at 60 at close to 100k per year in today's $?
SAVE, SAVE, SAVE!!! Although you do have 14 years to go, and are doing a good job to this point, the "old days" of assuming a 10% withdraw have not been replaced with more in the 4-5% range. As such, in addition to your military pension, you'll still need about 80,000 per year to attain a 100,000 ...  (more)
Answered Jul 2013
|How can I buy stocks?
All great answers above. But, this isn't necessarily for the faint of heart. It should be well planned, and the use of a qualified financial advisor might be of benefit and keep you from making unecessary mistakes along the way.Best of Luck,Rod...  (more)
Answered Sep 2013
|Which of these reports is my employer or 401k plan provider required to provide by law?
2011 Audit Report
2011 Form 5500
Summary Plan Description (SPD)
Investment Fee Matrix
2011 Summary Annual Report
I see samples of reports on the Brightscope site that I'd love to see for my plan. I nee
Yes, you can ask for reports regarding fees... see the following article regarding such...http://usatoday30.usatoday.com/money/perfi/retirement/story/2011-12-30/401-k-disclosures-to-increase/52294254/1...  (more)
Answered Jul 2013
|When is the best time to start saving for kid's college fund ? What are the typical instruments available for this purpose ?
As all of my esteemed colleagues have stated, the time to start saving is TODAY.However, I seem to be in the minority in this regard... and, that is that I would limit the amount you promise your kids.With both of my kids, we made a deal when they were young. And, that deal stated that I would be...  (more)
Answered Apr 2013
|I need to know whats in my in my james hardie401k retirement saving plan Where do Igo get some info about it?
Best advice is to:A. Contact the HR Department at your previous employer.B. Look for a phone number on your most recent statementC. Find a good, local, Certified Financial Planner to help you with your finances.Best of Luck,Rod...  (more)
Answered Nov 2013
|How do i see my retirement and change some things?
Good answers above. First, check with your HR Department. Some companies have HR people who are dedicated to helping their employees with their Financial Planning and investment options.If not, as stated above, find a local Certified Financial Planner who can help you navigate your options.Best ...  (more)
Answered Jul 2013
|Is it worth it to hire a financial advisor?
Probably. I have had a deal with most of my clients over the last 29 years... they don't do Financial Planning, and I don't attempt to do what they do. So far, we have all prospered and are still alive....  (more)
Answered Apr 2013
|Does value Matter in This Bull Market?
In today's global economy, the answer is yes. There is a lot more to it than just the Fed and technicals. Although both are key elements, think about the overall market's reaction to bad economic news from other countries... to natural disasters... to new military conflicts in the world. None of ...  (more)
Answered May 2013
|How is money drawn due to hardship?
It all depends. What type of plan are you in? Is it a 401k, a Defined Benefit Plan, or a Defined Contribution Plan? Maybe a Simple IRA, or a SEP Plan?Without knowing more about your situation, it's impossible to answer your question.If you're still working for your employer, first, check with t...  (more)
Answered Sep 2013
|I have been divorced for 10 years, It has come to my attention that she failed to disclose 4 separate 401k plans.
All great answers... See your attorney about this... Sounds like somebody may have broken the rules???...  (more)
Answered Sep 2013
|How can I cash in a 403(B) penalty free for graduate school? And should I?
Katherine, while I generally don't advise withdrawing retirement money prior to 59 1/2, in your situation it might make some sense. As long as the money is used for higher education, the 10% pre 59 1/2 penalty can be waived. However, any pre tax contributions withdrawn will need to be reported as ...  (more)
Answered Jan 2014
|How do we retrieve money in a pension plan from a company that closed it's doors and was bought by another co.?
Not having any other information regarding your previous employer, I'd suggest the following:Contact EBSA electronically at www.askebsa.dol.gov or call the EBSA toll-free Hotline at 1.866.444.EBSA (3272) to speak to a Benefits Advisor if you have questions about your options during a bankruptcy. Fo...  (more)
Answered Apr 2013
|Is it a good idea to invest in my company's stock?
All great answers from my knowledgeable colleagues. And, a very common answer is "it depends". It all depends on the company you work for. Treat this investment like you would any other. Research the company, its history, its performance over time, if it's a public company whether it's a "buy-se...  (more)
Answered Apr 2013
|If i retire at 55. will i have the 10% penalty with the traditional plan. they do not offer a lump sum pay put.
As state above... it all depends... more information would be helpful in answering this question more specificallyBest RegardsRod...  (more)
Answered Nov 2013
|Starting financial planning at a late stage of career life - 401(k) & IRA?
So far... all good answers...Just to keep it simple... take the match... if nothing else, take the match... and, did I say, "take the match"?Okay, it's only for one year at a time, but, a match is equivalent to a 100% guaranteed return for every dollar you contribute. Where else are you going to ...  (more)
Answered May 2013
|How much is the penalty for taking money from 401k plan ?
Barbara, There are many answers to this question, depending on your situation. First, we need to know your age, whether you're still employed, and, whether you're looking to borrow money from your plan or remove it.In general, any funds removed from the 401k will be taxed as ordinary income, as a...  (more)
Answered Jul 2013
|Do you feel there is any need for a retirement fund that's managed by an investment group?
My suggestion to you would be to seek out a reputable, local, CFP (Certified Financial Planner). Most planners work on either a fee basis, commission basis, or a combination of both. As such, I'd suggest that at your age (assuming you're in your early 60's?) that a "packaged" approach such as you'...  (more)
Answered Sep 2013
|I have $30K in a 403b at an old employer. Insurance salesman is suggesting rolling that into a variable annuity. Thanks?
All answers thus far provide sound advice. Without knowing your situation, the product being presented, your risk tolerance, and your existing plan it's really impossible to make a definitive judgement here. As others have suggested, find a local, reputable Certified Financial Planner to discuss t...  (more)
Answered Sep 2013
|On behalf of LEONARD GIRARD - found papers for this plan in his files from the benefits department.
Patricia,Both the previous respondants gave excellent advice. The only thing I'd add, is to either go to https://www.pbgc.gov/ OR, develop a relationship with a local Certifed Financial Planner to work with when running into these situations...Best Regards,Rod Miller...  (more)
Answered Feb 2014
|I'm paying a financial advisor 1.5% plus a $750 annual fee to manage my 450K portfolio. Is this too much?
That's a hard question to answer. I would generally expect an avisor to charge between 1% and 1.5% for personal management. Whether it's too much depends upon performance of your portfolio, and any added services s/he might be providing for you, along with the performance based upon your risk tole...  (more)
Answered Jun 2014
|Why aren't more advisors doing comparative benchmarking for DOL Reg 408(b)-2?
I'm in agreement so far with Mr. Kading. My thought is that the Plan Sponsors (mostly smaller plans that we work with) do not fully understand the regulations, and for the most part rely on their Provider Representative. Strange as it seems, we find ourselves working against "the blind leading the...  (more)
Answered Apr 2013
|How can i find my 401k for key?
As always, best thing to do is to either roll it over to your new 401k (if you're currently employed by a company that has a 401k, AND you're eligible), or to an Individual Retirement Plan (IRA).As for "collecting" your 401k, unless you're 59 1/2 years or older, you will be subject to a 10% penalty...  (more)
Answered May 2013
|I am 70 years old, have $500,000 in savings, receive $1352 net SS. I will soon need a new smaller house that I would like to buy with down payment and financing. How much can I withdraw annually for the rest of my life with this scenario.
Gloria,These are always tough questions to answer without actually knowing all the details of your situation. I have to agree with the above postings, that you should seek out professional advice in this situation. Find a local Certified Financial Planner to help you with the financial aspects of...  (more)
Answered May 2013
|How old do you need to be to get money for your 401k or retiremenr?
I assume you're asking how old you have to be to withdraw funds from your 401K without penalty?The standard answer is, to avoid the 10% penalty, you need to be age 59 1/2 before making withdrawals. There are, however, a few exceptions to this... death, disability, termination of employment at age ...  (more)
Answered Apr 2013
|How can I access my ESOP account online? I use to work for Save A Lot until the store was damaged in the April 27, 2011 tornado that came through Alberta City near Tuscaloosa, AL.
I believe that store was owned by Houchens Industries, Inc out of Kentucky. You should try calling their listed phone number, (270) 843-3252, and ask for the Human Resources Department. They should be able to provide any information you need.If that doesn't work, go back and refer to any statemen...  (more)
Answered Apr 2013
|I have a problem and I would like to know if you can help me solve my problem?
Mary,There are a few ways you can go about this. First, if you left a 401k behind with a previous employer, you should be getting statements from time to time. If not, contact the HR department at your previous employer and ask for the phone number of the plan provider. If those options don't wo...  (more)
Answered Jul 2013
|I am in the Albemarle 401K Savings Plan. My questions is concerning the 70 1/2 RMD. I am still an active employee and turned 71 November, 2012. I have not gotten a notification from Merrill Lynch regarding RMD.
Your first RMDYour first required distribution must be made by April 1 of the year following the year when you turned 70½. For example, if you turn 70½ in February 2011, you must take your first RMD by April 1, 2012. The IRS calls this your Required Beginning Date.There's an exception to this rule...  (more)
Answered Apr 2013
|I am retiring in February. I will receive a lump sump payment from my 414(h) of $105,000.00 before taxes. I want to pay off my car loan, put a large down payment on house and have some to survive on until Social Security Disability kicks in. is there a way to do all of this and not loose $29,000.00
Without having hard numbers to work with, such as the payoff on your car, and the amount of the down payment on your house, along with your living expenses and other income, this question is impossible to answer definitively.As such, I will refer you to the advice given above. Seek out a reputable...  (more)
Answered Jul 2013
|I've just discovered your website and my employer (Dartmouth Hitchcock Clinic) sponsord 401A/401B plans have a 60 rating. I am offered one Index fund - Vanguard INST INDEX - and would like to allocate 75% of my future investing to this fund. I understand that there are no fees associated w/ index
Carolyn,As with most purchases and financial decisions, cost is but one factor to consider in the big picture. Index funds are usually much less expensive to manage due to the fact that all an index fund does is to try and mirror the index it's based on. Other funds may be actively or passively m...  (more)
Answered Apr 2013
|How do i allocate more of my 401k to cash in a company 401K. Does cash mean bonds?
All great answers above. As for the mechanics, contact your Human Resources Department or your plan provider. Generally, you'll need to fill out a form, either online or on paper to have them move that portion of your assets to different classes. As stated above, many of the "cash" asset classe...  (more)
Answered Apr 2013
|What benefits does a plan administrator get?
As Rich said... well... ~8^) Good job, Rich... The answer is similar to the question about what a CPA or Attorney, etc, get out of doing what they do? Simple... they all get paid to perform a service, which without, might land your employer in trouble with the IRS, which could end up with them...  (more)
Answered Nov 2013
|Family member was fired, is now looking into going on disability, what should we be thinking about, concerned about and/or aware of?
I might make two recommendations here. First, I would have her seek out a Certified Financial Planner to help with the financial questions she might have.Also, I would recommend an attorney who specializes in disability cases. Most initial claims for Social Security disability benefits are turned...  (more)
Answered Jul 2013
|Should I invest in gold?
We always consider gold as an "alternative investment", when doing our asset allocations. Fortunately, we sold out of gold early in the year. Whether now is the time to get back in is something you'll need to decide for yourself.Educate yourself, look at historical prices, and understand the rea...  (more)
Answered Jul 2013
|I will have two children in college this fall and need to find a way to pay for their tuition. I have a 401(k) through my employer that I am considering taking a withdrawal from. Should I use my 401(k) to pay for their college education?
I have to agree with most of the previous comments. A 401k is designed as a retirement plan. You have funded it over the years with your, and your employers's, hard earned dollars. And, someday, you will need that money. If it's not there, you may have to depend on your kids... not a good scenar...  (more)
Answered Apr 2013
I am planning to lease a Benz GLK 350.
While I have to agree with the previous comments made here, all I can say is, "been there, done that". My Dad taught me early on, that in most cases, owning was better than renting. Now, I will say, there are certain of my business clients where a lease makes more sense than owning... but, not for...  (more)
Answered Jul 2013
|Savings account (stuffed mattress) vs. Index Fund? Mutual Fund? ETF? Where do I begin investing?
Wow... lots of good advice above. I almost hate to post another comment.I know I sound like a broken record here, but... "it all depends. The mattress idea is great if you're a conservative investor. You'll have a lot of growth there... mold loves dark places. And, in reality, you would actuall...  (more)
Answered Jul 2013
|I will be retiring in 6 to 9 months. How should I distribute my 401k contributions, in order maintain current balance?
All of the above... a money market, fixed, or guaranteed option will be your best bet if you're concerned about a possible downturn in the market during the next few months....  (more)
Answered Jun 2013
|I am a former employee of Barnabas Health. I don't know if I have any funds in pension. Plan, 401k or 403b. I continue to get fidelity literature and I would like to know.
Number one... you should be getting some form of statement at least annually if you have a vested interest in their plan.Number two... if number one doesn't work, you should contact the HR department at that company and request information regarding your account, or where to go to get it.Thanks, a...  (more)
Answered Mar 2013
|I am a former employee of Barnabas Health. I don't know if I have any funds in pension. Plan, 401k or 403b. I continue to get fidelity literature and I would like to know.
If you are still getting literature from Fidelity, there's a good chance that you are still "on their radar" so to speak. I'd suggest calling the Human Resources Department at your former employer for more information. If you have money in the plan, you should be receiving a statement at least ann...  (more)
Answered Mar 2013
|My Dad would like to give "gift" my Husband and I $25K to help pay for medical expenses. Since he has already paid for the taxes on his end for the funds we wanted to see what the implications would be for my Husband and I when we file our taxes for 2013?
A.J. and Tracy are correct in their answers. 14,000 is the annual "gift tax" exclusion this year. Just make certain he gifts no more than 14,000 to either of you. You might suggest having him make checks out for 12,500 to each of you, which will allow him to further gift 1,500 each if need be......  (more)
Answered Mar 2013
|Where can i find my ATA 401k
Melinda Lambert?
Melinda, You should have received pension statements over the course of your employment. As such, there should be a phone number for the plan administrator on those statements. Try that first.If you can't find your old statements, contact the HR department of your old employer. I'd look that up...  (more)
Answered Sep 2013
|How do I find my 401k from ATA?
Melinda, You should have received pension statements over the course of your employment. As such, there should be a phone number for the plan administrator on those statements. Try that first.If you can't find your old statements, contact the HR department of your old employer. I'd look that up if...  (more)
Answered Sep 2013
|How i can review my balance???
It's a little hard to answer your question without additional information. Please provide more information as to which plan you're referring to... Best RegardsRod...  (more)
Answered Sep 2013
|Hello, how can I search 401k plans in my area (Austin, Texas) that have Self-Directed Brokerage Account option?
All good answers above. I suppose I'm wondering if you're looking to go to work for a company with a self directed plan? Or, would you be searching for a plan provider for your own company?Plese advise...Rod...  (more)
Answered Sep 2013
|How soon after I retire can I expect to paid my profit sharing?
Great answers above. You should have received a packet from your company. If you can't locate that document, I'd suggest contacting the HR Department of your company. In addition, you can always call the plan itself, as there should be phone numbers on your informational statements.Best Regards,...  (more)
Answered Sep 2013
|My father passed away in October. He had a 401k, we are unable to find paperwork that state's beneficiaries. It is through Wells Fargo. They are not helpful over the phone, we also had a lawyer send a letter asking the same info. Help...
Jen,Was he an employee of Well Fargo, or was his pension plan through Wells Fargo... I'll try and find a contact for you if I know which...ThanksRod Miller, CFP, CLU, ChFC...  (more)
Answered Mar 2013
|I was previously employed at Bob Evans and I want to know how to claim my 401k benefits?
Jason is right on with his reply... sorry I didn't get back with you earlier...Rod Miller, CFP, CLU, ChFC...  (more)
Answered Mar 2013
|We are a growing Broker Dealer and recently we have had many a phone call from our clients requesting us to review their Health Insurance policies with either their group or personal coverage. Is it worth my while to get my agents licensed with a carrier?
Andrew... I started in this business in 1984 with a little company called The Prudential Insurance Company of America... And, if I were you, I would seek out the best Health Insurance Specialist you can find in your area to help you in this ever changing arena. Due to the changes in the world of in...  (more)
Answered Aug 2013
|I received a letter from social security that i have a certain amount of money due to me by Unicare savings plan from 2001. i am trying to find out how can i go about receiving this benefit.
http://www.pbgc.gov/documents/finding-a-lost-pension.pdfBest Regards,Rod...  (more)
Answered Jul 2013
|Should I invest into my 401k (100% matched at first 3%) or should I invest into a Roth IRA? Or split ?
Kudo's to the great answers above...The only thing I might add, and you've probably already considered this... "Is the rest of your financial house in order?" While I might assume it is, and your only concern is the question posed above, ask yourself the following; "Do I have enough money in my e...  (more)
Answered Apr 2013
|I bought shares of a certain stock a while ago, but cannot find my "Confirmation". I am now selling some of those shares and I need the Cost Basis. What do I do?
Try to determine a date range. If you can narrow the purchase date down to a number of weeks or months, use those dates to find prices that you can average. Make sure you keep a record of your calculation in case the IRS wants to know how you came up with the cost basis. (Source: TurboTax... (http:...  (more)
Answered Apr 2013
|Illiquid stocks, credit card debt, founder's low salary, and a couple of IRAs?
All good answers... But, remember that is you withdraw money from your IRA accounts, those funds will not only incur a 10% Federal penalty, but will also be taxed as ordinary income as well. So, assuming you might be in a 28% marginal bracket, your penalty and tax would equate to a 38% reduction af...  (more)
Answered Nov 2013
|I purchased Class A mutual funds. I paid $6250 for each fund and received shares totalling $6250 for each fund. In cashing in these funds there is no indication that a front end charge was applied. Can a mutual fund juggle share price to cover the front end cost?
Clarence, all good answers above.If this is a concern for you, I'd call the Mutual Fund Company and ask them. You should have contact information for them on your statements.Best of Luck,Rod Miller...  (more)
Answered Apr 2013
|Does a 401K loan make sense if we have more money than is anticipated to be needed in it?
Wow... what a great discussion here. All have good ideas here. However, I suppose I have a little different idea regarding retirement plans. In the past 29 years in this profession, more often than not, I see 401k loans start out as a great idea, but often wind up causing more problems than they ...  (more)
Answered Apr 2013
|My son inherited a 401k from his dad, however, his uncle & grandpa cashed it out without telling him about it!
Definitely seek legal counsel on this one... all good suggestions above.Best of Luck,Rod...  (more)
Answered Nov 2013
|How might I go about finding out how my company's 401k stacks up against others in it's "peer group"?
Ditto's......  (more)
Answered Nov 2013
|Registering a company for $10/$12?
http://corp.delaware.gov/howtoform.shtmlBest Regards,Rod...  (more)
Answered Nov 2013
|Elective Deferral or Employer Contribution from a Solo 401(k) first?
March 15 of 2014 if you're a corporation, otherwise, April 15 is the deadline for contributions. If you're not a C-Corporation, you shouldn't need to worry about who makes the contributions, as you are the employer and employee, and probably are filing one return. Do, however, consult with your C...  (more)
Answered Sep 2013
|My company's 401k plan wasn't listed. I am a local government employee. I have contacted our plan and haven't gotten an answer on how to look our plan up. I want to know all the fees I am paying. I am now on my third request to get this information from our plan's administrato. What is up with this
Excellent advice contributed above by Andy and Michael......  (more)
Answered Jul 2013
|I need advise to productively invest $20,000!
Sorry, but the "crystal ball" is out for repair today.Seriously, though, that question varies for each person on the planet. It has a lot to do with your age, your goals, your time horizon, and your risk tolerance.If you think you're going to need the money soon, I'd suggest something guaranteed ...  (more)
Answered Jul 2013
|My wife and I each have student loans. Should we consolidate both our student loans into one loan and one payment?
Is there any particular reason aside from streamlining your payments that you'd want to do this?...  (more)
Answered Nov 2013
|How can i obtain my statements online?
Thanks for your question... However... we have no way of knowing which statements or from where you're referring to based on your inquiry. If you could provide basic information, such as what company you work(ed) for, what kind of plan, (401k?), etc, we'd be happy to research and provide you with ...  (more)
Answered Sep 2013
|$30,000 After tax contributions in my 401K. $282000 Total
what is the best way to manage this preparing for retirement?
Well, as I often begin my comments... that all depends. There is much information I do not know based on your question, and as such, am hesitant to actually make any recommendations. I don't know your age, your risk tolerance, your goals, dreams, etc.It all depends your YOUR plans, goals, etc. I...  (more)
Answered Oct 2013
|I had a 401K plan with SEH America back in 1197-1999, how can i find out what happened to that money?
You might try the following phone number... (360) 883-7413If that doesn't help, contact SEH Human Resources Department. (360) 883-7053Good LuckRod...  (more)
Answered Nov 2013
|What tax implications are there if I take out money from my pension plan and direct it to a Roth?
William,To correctly answer the question, we'll need to know what kind of pension you're talking about. Is it a 401K plan, a defined benefit plan, a defined contribution plan, whether you're vested, your age, etc.Thanks,Rod...  (more)
Answered Apr 2013
|I want to see if i have a 41k with HomeGoods? I worked for the company last year and never recieved a letter or a check when I left.Plz help me?
Hannah,If you enrolled in the company's 401k, you should have some paperwork regarding it. Most companies have a waiting period before you're eligible to participate in the plan.My best advice at this point would be to contact their Human Resources Department to find out whether you were enrolled...  (more)
Answered Apr 2013
|Are the Franklin Templeton family of funds a good investment even with the 5% front end loads they charge.
Dale, I concur with everything stated above. Any mutual fund is just a tool you use to meet your goals. There are no good, no bad, just some that will serve your needs better than others. Some front loaded funds may actually outperform certain no loads over time. However, in most cases I prefer...  (more)
Answered Apr 2013
|Education -529 - good or bad?
Alan is right. 529, 401k, IRA, ROTH, are all just tools in the toolbox. If it will fix what needs fixing, it's a great tool... otherwise, why bother. Look at your financial plan in its entirety... take care of the urgent things first, the important next, and everything else later. Find a qualifi...  (more)
Answered Jun 2013
|Suppose the realized rate of return on the market portfolio is one percentage point greater than its expected return. How would the realized rate of return compare with the expected return of a security with a beta of +2?
Quentin, are you real, or do you have a term paper due soon? This is the third academic question I've seen posted here today.......  (more)
Answered Jun 2013
|Should I partially cash out of my 403(b) retirement account? If yes, then what is the max I should cash out this year?
Pam is right on target here, and I do agree that your 403b should be your "last resort" to alleviate your debt situation. As you're upside down on your home value to mortgage ratio, consider looking into the HARP (Home Affordable Refinance Program). Also, make certain the credit counseling agency ...  (more)
Answered Sep 2013
|What's the best way to calculate how much long-term care insurance coverage I should buy?
While all the above answers are excellent, many companies, after seeing the true cost of long term care, have changed the way their contracts are written. More often than not , of late, I'm seeing policies that are tied to a "bucket of money" benefit. You still choose a daily, weekly, or monthly b...  (more)
Answered Apr 2013
|At what age should my kids start building their credit?
Unfortunately, in most states, minors cannot sign a legal contract. As such, the parent or another adult must sign for the account, and put it into their names.When I was 12, a vacant lot came up for sale in our neighborhood. Us neighborhood kids had enjoyed it for years, playing baseball and tou...  (more)
Answered Jul 2013
|What kind of documentation will the DOL accept in determining fee reasonableness in retirement plans?
Herbie...Couldn't have said it better myself... no, really, I couldn't... great answer, and kudo's to you......  (more)
Answered Oct 2013
|My company Bemis Co. recently revamped their 401k plan through JPMorgan. Will it be analyzed again with our new options?
While I'd like to provide an answer to your question, I'm a little confused here as to what the question is... Are you asking whether or not Brightscope will analyze it, or who? And, what is your question about "non-ticker symbol funds"?Best RegardsRod...  (more)
Answered Oct 2013
|Can funds be drawn from 401k after age 55 for hadship?
It all depends. Check with your HR Department, or the plan provider. Every plan is different.Best Regards, Rod...  (more)
Answered Sep 2013
|Ihad almost 90,000.00 in my 403 right before the market disaster in 2008. I am finally up there again. how do I keep from loosing it in the event of another crash?
Joseph, as mentioned above, and, there is a lot of great information there for you to digest... There is a lot of risk whenever investing your money.As such, to some, 90,000 isn't much... to others it's a lot...Find a good, recommended CFP in your area that will work on an hourly or fee basis and...  (more)
Answered Mar 2013
|Why did i recive a check in my name for your company Emerson Advisors Corp, 1222 riverside Drive, Holly Hill FL 32117?
I'm not sure, but, you might try this link...http://financial-advisors.findthebest.com/l/431008/Richard-EmersonLet us know if we can be of further assistance.Rod...  (more)
Answered Jul 2013
|Is it reasonable to expect that an novice investor like me could turn $5600.00 into $45000.00 within the next 27 years?
Matthew,Anything is possible... but, there are no guarantees. While I don't condone the use of "past performance" as a sole indicator, if you look at the "25 year average" return of the S&P 500, there have only been two instances where the 25 year average has been less than 8%. Of course, yo...  (more)
Answered Apr 2013
|Can i max out my 401k and a roth ira and a tradtitional ira?
While the answers above are great, the one thing you should consider is whether or not your IRA contribution will be deductible or not for 2013 based on the income guidelines.If you participate in a company sponsored retirement plan, your IRA contribution may not be deductible.For single filers wh...  (more)
Answered Jul 2013
|Okay so I just did my taxes on Turbo Tax married filing joint. With both our AGI out 375k we are getting killed in taxes. When I remove my wifes W2 income we'd get money back so that got me thinking. We had a baby in December and will have to start paying for child care next month at 2500 a month
Donald,Jim makes a lot of great points in his reply, so I'll not bore you with a rerun of what he's already suggested.Based on what little I can gather from a brief post, I'd like to offer another suggestion here. And, I think that's what Jim was referring to when he said, "did you ask the box?"...  (more)
Answered Apr 2013
|I had 30k which Primerica doubled to 60k over the past 10 years. Now not sure where to move the money.
Lisa,Based on the lack of information presented, it's difficult to know how well your investments have done, whether it was all invested up front, or over time. A simple rule of thumb calculation would tell me to double a lump sum in 10 years would require an annual average return of about 7.2%, w...  (more)
Answered Nov 2013
|How do i get my my 401k?
Michael makes some good points here... but, without knowing your age, whether you currently work for the employer who provides the 401k in question, or whether it's a "lost" 401k from a previous employer, it's really hard give you a specific answer here. Please reply with more information, and we'l...  (more)
Answered Nov 2013
|How do i find out if I have a 401k through you guys?
Well, that's an open ended question... we are all independant Financial professionals here, from all over the country. Our purpose here is to help the public with financial questions on this forum. If you can be more specific about your situation, we'd be more than happy to help you with your ques...  (more)
Answered Nov 2013
|I have a 401K plan with a company that is no longer in business. Where do I go to find out where I can find the monies.
Joan, if you have a "lost pension" out there, you can go to the Pension Benefit Guaranty Corporation, which is an agency of the U.S. Government. Try their website which has a search feature at: http://www.pbgc.gov/If that doesn't help, let us know, but next time be a little more specific about th...  (more)
Answered Nov 2013
|What are the expenses of a fund of funds like Fidelity 2020?
All great answers... but, just wanted to add that the fund with the lowest fee doesn't always equate to the best value. In addition to comparing fees, also consider the performance of said funds. A fund that's averaged a 12% return over a defined period of time, with a 1% expense is obviously a be...  (more)
Answered Nov 2013
|What are the 401k loans withdrawal rules?
I concur with my fellow financial planners, as it all depends on your plan as to whether you can take one or not. And, if you need money and have anyplace else to source it, you're generally better off leaving the 401k alone. These should be viewed as untouchable except in the case of dire financi...  (more)
Answered Jul 2013
|I am looking for a tool that that can compare 2 funds as to over lap on holdings?
All great answers... Aside from Morningstar, some of the discount brokerages and mutual fund companies offer comparative tools as well. T Rowe Price used to have such a tool... you didn't need to have an account there, but needed to register to the site to use it. www.troweprice.comBest Regards,...  (more)
Answered Nov 2013
Also try the following website:http://www.pbgc.gov/They have information on "lost" pension plans, and the service is free.Best Regards,Rod...  (more)
Answered Nov 2013
|No one will return my calls regarding claim for pension plan and individual account plan. It's over 90 days. Next step?
Here's what I've found regarding the plan thus far:WESTERN STATES ASBESTOS WORKERS PENSION PLAN is a Defined Benefit Plan providing retirees with a predetermined monthly retirement benefit upon reaching a specific age. The retirement benefit paid to a retiree is typically calculated using a formula...  (more)
Answered Nov 2013
|I had a 401K account through Logicalis, Inc. and I am searching for information about it.
Follow Jason's like above. If you don't have any luck there, contact the company's human resource department. Depending on where you worked (Texas I assume), their contacts are as follows:Houston3200 Wilcrest DriveSuite 210Houston, TX 77064Tel: 713.358.8540Fax: 713.334.2690San Antonio18756...  (more)
Answered Mar 2013
|I received a letter from Soc Sec. stating that I may be owed money from my former employer. This company has been sold.
You might try contacting the company who bought them out. Their contact information is as follows:HighPoint Health System555 Hartsville PikeGallatin, TN 37066Phone: (615) 328-6695 The other option would be to try and find a statement from the plan, as you should have received them during the t...  (more)
Answered Dec 2013
|When my restricted stock vests, how will it be taxed?
Kudo's to my esteemed colleagues... all good answers. In addition, I might add, that you should consult with your CPA regarding taxation and timing of this event. He may be able to suggest losses you might take to offset the gains generated by this event.Best Regards,Rod Miller, CFP, CLU, ChFC...  (more)
Answered May 2013
|Anyone know where else I can put my savings after I max out my IRA and HSA for the year?
Several good answers already. Another thought might be to look into tax free Municipal bonds or bond funds. If the bonds are issued in your state, they might also be free of state tax as well....  (more)
Answered Nov 2013
|Should I invest in the stock market or mutual funds?
Tina, your question doesn't really provide enough information regarding your particular situation for any of us to give you a solid answer. However, the thing to ask yourself is, "do I have the time, the patience, or the desire to research the individual companies I'm investing in?" If the answer ...  (more)
Answered Apr 2013
|How do I get my retirement money?
Try this website: http://www.pbgc.gov/This is the Federal Government's site for the Pension Benefit Guaranty Corporation. If it's out there, you should be able to find it there.Let me know if you have additional questions...Best of Luck,Rod Miller...  (more)
Answered Jul 2013
|What is the cheapest way to buy foreign stocks?
ETF's would be my pick for low cost and diversification. However, if you're looking only for individual companies, consider buying American Depository Receipts, or American Depository Shares. Many ADR's trade in the US Stock Exchanges. They trade in US dollars, pay dividend in US dollars, and ar...  (more)
Answered Jun 2013
|I am recently retired, have a 403b but have money in a bank account also. WHat is the safest and best way to keep this money available to use as I need.
Lots of good answers above... however, I have to agree with Michael regarding finding a reputable CFP, or Certified Financial Planner to help you navigate the "longest vacation" you'll ever take. As such, you only have one chance to get it right, or screw it up. I'd look for some good advice here....  (more)
Answered Jul 2013
|If I am fully vested, quit my job and caah out my 401k will I receive the employer matching contributions if under 55?
I'm a bit confused by your question. In the title, you say you are fully vested. In the description below, you state that you're wondering if you should stay the extra year to become vested. Thus, you're either fully vested, or you're not. Before rendering any suggestions to you, it would be hel...  (more)
Answered Jun 2014
|I worked for Arthur Andersen LLP (later changed to Andersen LL) for 23 years until the firm's collapse in 2002. I am now nearing the retirement age (62 in September) which was the normal retirement age for their retirement plan. I need to get in contact with the plan administrator or find out how
All good answers... If all else fails, James Kinney has provided you with the link to the PBGC above.Best of Luck,Rod...  (more)
Answered Jul 2013
|A RMD question - age 70 1/2. My birthday is Sept 18 1944. In 2015 do I have to take 2 distributions? 1 in April, another in December?
As per the IRS:You must take your first required minimum distribution for the year in which you turn age 70½. However, the first payment can be delayed until April 1 of the year following the year in which you turn 70½. For all subsequent years, including the year in which you were paid the first R...  (more)
Answered Jun 2013
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Convention attendees will hear from top-notch speakers on a variety of issues from international trade to animal identification and estate planning. You won't want to miss the fun and educational sessions, followed by business meetings where SDCA members will set the organization's policy course for 2007.
Cattlemen can weigh in on the issues important to them during the policy committee meetings on Wednesday afternoon, November 29 where policy resolutions from members and local affiliates will be considered. Final policy decisions will be made by all SDCA members attending the Annual Membership meeting on Thursday afternoon, November 30.
SDCA member participation is essential to policy development because we want to accurately represent the views of our members,' said Mike Stahly, SDCA President.
SDCA President-Elect, Scott Jones noted, As a grassroots organization representing a very diverse group of cattlemen and beef producers, it's imperative for individual members to participate in the policy-development process.
All members are encouraged to attend the membership meeting and vote on policy. Any past due members may pay their dues at convention and have the opportunity to vote also, said Stahly.
Make plans now to attend the South Dakota Cattlemen's Association Convention & Trade Show, November 29-30 2006 at the Ramkota Hotel in Pierre,S.D. For more information call SDCA at 605-945-2333 or visit our website at www.sdcattlemen.org.
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The hottest sector for investments, innovation and burning venture money in India aren't e-commerce, food delivery or ride-hailing. It's digital payments. From 671 million transactions in Nov 2016 when over 85% of India's physical currency was summarily demonetised, the volume of digital transactions has grown to over a billion by the end of 2017.
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text:
Could after-hours email restrictions hurt email marketers?
The rapid growth of mobile technology and its adoption throughout society has arguably been a boon to both employers and employees. When put in capable hands, a smart phone can be an incredible promoter of productivity.
But that doesn't mean that smart phones are perfect. There's a reason, after all, that many corporate workers given Blackberries coined the term 'Crackberry.'


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CrossFit Kinnick will be closed this Monday (at both locations) for Labor Day. We will, however, be open for one special class at our Upland location at 8am. There's no better way to start a holiday than with an intense partner workout. The rest of the day will be yours to relax and reflect upon what an awesome life you have. Be grateful for the things in your life. It can be a lot worse.
Happy Labor Day!


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2879 Lassen Court, 204 - East
This home is awesome! Call to schedule a viewing today!! You will love this open spacious floor plan. Fantastic kitchen with linoleum flooring which makes for a quick and easy clean up, plenty of cabinet & counter space. Great size bedrooms that share bathroom with tub/shower combo!LEASE BUYOUT-30 DAY MOVE-IN
The data relating to real estate for sale on this web site comes in part from the INTERNET DATA EXCHANGE Program of the Greater Las Vegas Association of REALTORS® MLS. Real estate listings held by brokerage firms other than this site owner are marked with the IDX logo.
The information being provided is for the consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Copyright 2020 of the Greater Las Vegas Association of REALTORS® MLS. All rights reserved.
GLVAR deems information reliable but not guaranteed.


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Christmas Bedroom Tariff 2019
24/12 - 26/12
"Visiting friends and family in the local area? Why not take advantage of our special accommodation rates available over the festive period from 19th December - 30th December 2019"
For anyone who still has room, Talkbar will be open until 10pm for any refreshments. Before departing on Boxing Day, enjoy a full English breakfast in our OutsideIn Restaurant.
The below rates are per bedroom, per night, including full English breakfast in the OutsideIn Restaurant. Full payment is due at the time of booking. Please note that payment is non-refundable or transferable if the booking is cancelled.
|Room Type
|Price per Room
|Contemporary Double bedroom
|Executive Double bedroom
Christmas events list:
- Party Nights 2019
- Festive Lunches And Dinners 2019
- Wed 25 Dec Christmas Day Lunch at OutsideIn Restaurant 2019
- Christmas Bedroom Tariff 2019
- Tue 31 Dec New Year's Eve Gala Dinner Dance 2019


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One level condo in super convenient Washington Township location. 3 BRs & enclosed sun room plus deck. Very spacious great room with dining area, vaulted ceiling and lovely brick showstopper
All data is deemed reliable but is not guaranteed accurate.
Mary Ann Avery
(317) 650-5062
[email protected]
Contact Me Today!


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|"Kevin A. McGrail (JIRA)" <j...@apache.org>
|[jira] [Created] (COMDEV-260) SpamAssassin Bayes Token ID
|Sun, 04 Feb 2018 10:40:00 GMT
Kevin A. McGrail created COMDEV-260: --------------------------------------- Summary: SpamAssassin Bayes Token ID Key: COMDEV-260 URL: https://issues.apache.org/jira/browse/COMDEV-260 Project: Community Development Issue Type: Project Reporter: Kevin A. McGrail >From DFS idea used with permission: We tokenize inbound messages and store the tokens on the server. In each message, we add links for doing training. When you click on a training link, the system trains the message based on the tokens stored on the server. In that way, you are training using exactly the tokens that the Bayes code saw. For SA, the key point is a framework to store the Bayesian tokens from the email before delivery of the email so later, a "this is spam" "this is ham" mechanism can take advantage of that information without having the entire email. Adding a header with the message id for the storage of the headers allows a framework to be built for train as spam, train as ham to be more readily built. The issues you are pointing to have to deal more with the implementation of the this is spam/this is ham mechanism. By storing just the tokens, there is less space and privacy & legal concerns are mitigated. sa-learn would then be extended to use the message id and learn as spam/ham instead of feeding it the entire message. -- This message was sent by Atlassian JIRA (v7.6.3#76005) --------------------------------------------------------------------- To unsubscribe, e-mail: firstname.lastname@example.com For additional commands, e-mail: firstname.lastname@example.com
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text: So I had about 3 cracks in my windshield on my 93 F-150. I decided since I have zero deductable glass on my insurance and the fact that I am taking it off insurance for the summer (rarely drive it, really want it for my winter beater now) that I should get the glass replaced. I called up my insurance, Progressive and they had recommended Safelight. I've heard good things about them so I decided to give them a try. I was pleased that they were there the following morning by 9am. My wife unlocked the car for them and had some errands to run. I got home after work and some errands to look at the new windshield. It looked good, until I looked at the trim piece below the wipers (between the windshield and the hood). They dented the crap out of that trim piece, then upon further inspection the crome trim piece around the windshield was bent pretty good, I can just about stick my finger between the sheet metal and the chrome, then on other parts, they chrome trim is sunk below the sheet metal slightly. I've had my windshield replaced 4-5 times since I've owned the vehicle and never had an issue with it. I put a call into insurance last night and they are contacting safelight's customer service. I'll let you know what happens there.:angry::angry: [Broken External Image]: [Broken External Image]:


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10+ fremdsprachenkenntnisse lebenslauf
OK so you've completed your lesson program. It must contain the exact same essential components.
Keep in mindthat technology for lesson preparation can and should be easy. It's a unique skill that is learned in the exact same way as other abilities. If you'd like to increase your lesson preparation, you will require a solid sense of what is successful and what's not in your classroom.
A job plan documents the process and activities that come with each other to let something amazing to occur. So perhaps it makes sense for making a cake. It is critical to get everyone on precisely the same page with what you are going to do to reach your project goals. An alternative non-digital plan may be needed.
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You might decide to use our records since they are. The document was protected to only allow the user to finish the grey boxes. As the PDF file can't be amended, the size of the boxes for every portion of the lesson app can't be expanded. If you would like to use the file in another application (such as Microsoft Word) that doesn't recognize HTML formatting, you shouldn't incorporate the HTML. To ensure a valid import, please make certain your CSV file is formatted correctly.
There are a couple great sample modules to examine in the website, but you need to register to access all the modules. No matter the shape or template, there are basic elements of lesson plans you ought to learn to write, revise, and improve. Participate in a learning team discussion what you think are the critical elements of a successful lesson program.
Your business blog isn't a pity party. The site is straightforward in design, hence making it quite straightforward to browse. It's possible to browse the website for further suggestions for your grade or subject site. WebQuest resource links should be assessed to create certain they are active. Last, the next page is excellent for adding a sample assignment. Utilizing your Netscape browser you're able to open the Web pages locally and possess the lesson like you're on the web.
Perhaps the very first thing you're likely to want to know about is the way to edit or add lessons in your plans. After each lesson, think about what went well and what should be corrected. Begin by understanding that every lesson is related to the next and to ensuing lessons. Be aware that if lessons are not shifted, any present classes on the No School evening will be deleted.
Teachers just have to subscribe. When they connect to background knowledge, for example, ELL students are able to produce context for learning. Every teacher knows the value of a well-developed lesson program. Because educators expect homework to be achieved completely and properly, they have to be sure that students possess the abilities to perform the job. For instance, a primary teacher may want to instruct health themes in September. Additional beginning teachers are often advised to script some sections for themselves, such as questions they may ask the students so as to acquire a discussion going in the start of the lesson.
You will be able to edit your type's title afterwards, and so don't be concerned if it isn't perfect. On this site, you can find the forms, templates and applications you need to handle the club. You are ready to publish your form or you are able to send it by email to save paper and postage expenditures. There are a variety of sorts of these forms on the website and you can check out them in the contest you demand. Retirement forms are transferred to the Road Ahead web site. Modified forms aren't acceptable. The majority of the forms readily available on this site are PDF forms that can be completed directly on-screen.
Listed below are a selection of several forms and templates that you could need to manage your CFI-funded projects. Given below is one of the templates which can be used for writing an Acceptance Letter. The connection isn't displayed in case the neighborhood is disabled. It is not displayed if the user is anonymous. Sort your list as soon as you've entered all of your guest information. Make adjustments to the way that your guest list appears.
You will see a comment line which provides you the path and name of the template used for the screen you are viewing. You may also customize the series by making use of the block variant of this hyperlink helper.
Your message is going to be inserted to the peak of the automatic receipt sent via ActBlue following a donor creates a contribution. You may display alternate text when the link is hidden. Anchor texts are an superb means to enhance both the posts. You may add standard formatting like bullet points along with bolding, together with insert images. You might also want to create the specific exact same spreadsheet on Google Documents to share with many people.
Watch the page-specific documentation to determine which forms you can use in each individual template. These templates may include logos and graphics in order for your form reflects your brand identity. Added templates can be found through the Office Community site.
The members of this church are more than willing to be included in every aspect of the warrior's anniversary solutions. Church members have to be in a position to compute and track the tithings and offerings that are supplied into the church. Your investment team will be a separate legal entity. Recurring Invoices Many companies have invoices that will have to go sent out at predetermined periods.
You'll need to put in some tough work to maximize your funds. Additionally, it is possible to manually update at any moment. If you do though, it's very likely to save you time and help you have the right info to the correct individuals, at the most appropriate moment. You are able to read more on this issue of clever recurring here. If you prefer to cause the change and see greater conversion prices for your website, now's the time that you try out these top five steps. When you've got unpublished modifications and therefore are on the primary menu, then clicking the Cancel button will knock out each of the changes you have made throughout tabs. If you generate a change in 1 tab of the form editor and then return to the main menu without publishing, an orange dot will appear beside the tab name in the principal menu that will help you maintain track.
No expensive upgrade purchases are essential. Buyers like to test out information that's engaging. Nothing allows you to connect with buyers the way strategic social media interaction do. Today's buyers are aware individuals that are well conscious of what they want, how they need, what they're ready to perform for it and whether they'll gain from working with the item or assistance.
When stakeholders utilize various versions of applications, compatibility problems may come up. A salary sacrifice contribution isn't a fringe benefit, so it is not subject to tax. Donors aren't very likely to find your contribution form independently. They will have the option to type in their own level, but it is a good idea to ensure the amounts that appear on the form are in accord with the type of supporters you are targeting. Instead of unlimited monthly gifts, which can recur as long as a donor might love to stay a monthly supporter, you may choose to utilize monthly contributions that recur for a predetermined period of time. Presetting donation amounts will guarantee it's effortless for your donors to quickly elect for an amount, since you can view below. In such forms, the donors have come to find out about the campaign in the info given along with the form.
Sometimes letters have to be corrected to fit in a particular space. Your cover letter should not be too long. The cover letter is a valuable nutritional supplement that may help make your abilities and expertise stick out. If you're a copywriter, your cover letter must ooze with skill. Drafting a cover letter could be among the most stress inducing features of the work search.
Your letter must explain everything you can do to assist your client,' not what it is that you're selling, she explained. Capital letters are yet another important thing to keep an eye on, especially on the business's name (be sure you spell the company's name right!) It is used if you need to move just a single letter because it's too much or too near its companions. Authorization letters are needed for authorizing a person to perform your legal, business, health, and other pertinent transactions for your advantage. If you're struggling at this time, maybe as soon as you get this letter later on, you will look back and laugh at yourself. The cover letter is among the few records that nearly everyone will have to compose earlier or later in their lifetime. In this instance, your stunning cover letter would not enable you to get to the very first round.
When a letter does not have any verticals such as a capital A or V, the exact first diagonal stroke is regarded as the stem. If you are sending your cover letter' as an email, then it's a good idea to create the cover letter that the significant body of this email and just attach your CV. In addition to that, your cover letter might even make it in the hands of the person you addressed it ! A terrific cover letter is a chance to spell out any shortcomings you might have.
You don't have to have a fantastic website, you simply desire a passable one (and it ought to work on cellular ). When you arrive in their principal page, all you have to do is either pick one of those numerous templates that they provide or Start Fresh. You'll find that a variety of the templates are totally free to use and others take a premium account. This template is great for marketers that are opting for something which looks like your classic, fundamental newsletter layout.
To be able to have your publication published you may likely must write a query letter. An informal letter could be written in nearly any way you choose, however there are a number of organizational guidelines you'll be able to follow in case you are unsure about what to write or how to format your letter. The steps that it requires to compose and deliver a physical letter purchase you a bit of moment. Regardless of how it may seem to be a typical small company letter, authority letters have a great deal of legal consequences. It would be thus not feasible to address those in a single letter. You'll also get exclusive top ideas and sample letters that will help you.
You are no longer considered as someone. If you're not the proper person to help but you really feel like you must do something, consider whether anybody else in your system may be ready to provide assist. You can subsequently allow the asker know that you are not the proper person to assist, but that you've asked someone else if they'd be comfortable being introduced and you are going to follow up in case you hear backagain.
As freelancers our principal approach to winning customers is writing suggestions generally in the sort of an emailaddress. Remember that your cover letter is only 1 portion of the program. By building a template, even in relation to crafting the (nearly) inevitable next job program, you are going to be saving yourself a great deal of time and stress. The key thing is that the client is looking for someone to aid with a problem they're having. Nearly all the instant, customers are going to appreciate that you are diminishing the workload for them and placing all appropriate information in the email in their opinion. Companies really like to realize that you're eager to learn. Most companies (especially big ones) may not have sufficient time to read everybody's cover letters, but if they do, it's your opportunity to communicate your interest together with how and why you would be an ideal fit in their opinion.


text: Buying a new home is a big decision. And we want to help you make it the right one for you and your family.Our aim is to support you through every stage of the process, from finding the perfect section to getting the right builder, and selecting finance options. At Ravenswood Developments Limited, we have a dedicated team of people working hard to bring you sections and house and land packages at a price you can afford. Plus we're working on creating a bustling commercial area with supermarket and shops that will all help to make Ravenswood an awesome place to live.We're big believers in this place – and we understand why lifestyle and affordability are so important – so we'd like you to get to know a bit more about us:


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18F - 18F is a division within TTS. 18F develops partnerships with agencies to help them deliver exceptional digital experiences that address their strategic initiatives. They also aim to strengthen government technology practices in ways that last beyond their formal partnerships.
2FA - Two-factor authentication: entering a second, temporary code in addition to a username and password. 2FA provides added security when logging in to programs, like GitHub, remotely.
508 - The federal regulation that requires government IT projects be accessible to people with disabilities.
Agile - A software development methodology based on collaboration, iteration, feedback, and constant improvement.
API - Application programming interface. Think of them as a way for computers to interact, either internally or between one another. If you wanted to make a website that shows the current temperature wherever you are, your code talks to one API to get your location, then another to find out the weather in that area.
ATO - Authority to Operate. It's a sign-off from an authorized agency official for a website to be allowed to engage with citizens, including security and some other stuff. Learn more about ATOs in the Before You Ship guide.
AWS - Amazon Web Services. Some TTS services use AWS to host websites. Read easy-to-understand descriptions of the different pieces here.
AWS - Alternative Work Schedule. Working eight, 10-hour days or working nine, nine-hour days in a pay period.
- Back end developer - The people who write the code for the parts of a web site you don't see, working in programming languages like Ruby, Python, or NodeJS. They work on pieces of the application that, for example:
- Generate shopping recommendations
- Gather all of the information for search to work
- Trigger emails being sent
CMS - Content Management System. Software for creating, managing, and publishing content.
CMS - Centers for Medicare & Medicaid Services. Agency within Health and Human Services (HHS). One of the Ms is silent.
CoEs – The Centers of Excellence accelerate the modernization of IT infrastructure across government by leveraging private sector innovation and existing government services, and by centralizing best practices and expertise. The CoEs are a division within TTS.
Color of money - Slang for the legal parameters around how federal money for goods or services can be spent. This usually comes up in the context of inter-agency agreements with other federal agencies. The different "colors" of money include multi-year, no year, or one year money.
CRM - Customer relationship management software, which can help organizations track contacts and interactions with customers.
Dev - Someone who does software development. A "coder."
Digital Gov - A platform to help those in agencies working on providing digital services and information for the public. Posts information on what government is doing in digital, general digital news, trends and issues on implementing digital for the public.
Dogfooding - To "eat your own dog food." For our purposes, this means using the things we build.
- ENT - Your username and password (which are called "credentials") for doing things like:
- Dell computer log on
- GSA two-factor authentication
- BookIT
- Logging on to
FAS - The Federal Acquisition Service is a GSA office dedicated to helping federal agencies buy products and services. TTS is part of FAS.
Front end developer - The people who work on the parts of the site that you see, making the page look the way it's supposed to, have buttons in the right places, etc. They write HTML, CSS, and usually JavaScript.
Full stack developer - Someone who does both front end and back end development.
GCIMS – GSA Credential and Identity Management System, a GSA internal web database that provides authoritative information on GSA personnel, work locations and credentials. GCIMS also stores your contact information, so you may need to update that from time to time.
GDS - the UK's Government Digital Services are government pioneers and fellow technologists across the pond.
GitHub - A website to help people collaborate to build software. It's a tool that can be used for finding projects, proposing fixes, having discussions, and more.
Grok - To fully understand something.
GSA - The General Services Administration is an independent agency whose mission is to deliver value and savings in real estate, acquisition, technology, and other mission-support services across government. TTS is part of FAS, which is part of GSA.
HR Links - HR Links is GSA's system for HR actions, including requesting leave and managing performance review documents.
IAA - Interagency agreement: a contract between federal agencies.
IaaS - Infrastructure as a Service. A service that provides on-demand computing services such as storage. This is the foundation on which organizations can build and maintain cloud services.
MOA - The Memorandum of Agreement, created between GSA and FAS, established 18F through 2018.
MOU - Memorandum of understanding.
OAuth - Open Authorization. An open standard for authentication and authorization, which allows a user's account information to be used by third-party services without exposing their password.
OGC - Office of General Counsel, aka GSA's legal team.
OKR - Objectives and Key Results. A system for setting individual and organizational goals with clear ways to measure success.
OLU - On-Line University, where our agency's mandatory training classes are hosted.
Open source software - Software that does not charge users a purchase or licensing fee for modifying or redistributing the source code. Anyone can study, change, or distribute the code for any purpose. 18F has an open source policy.
OPP - Office of Products and Programs. OPP helps the public use and understand government, and helps agencies understand and serve the public. To achieve this, they create, discover, connect and share practical solutions and products that transform government. OPP is a division within TTS.
OSC - Office of Strategic Communications. GSA's resource for external and internal communication needs. They respond to inquiries from journalists and work closely with the TTS Outreach team.
OTP - One-time password. (If you're in Atlanta, this might refer to "outside the perimeter," as opposed to ITP (inside the perimeter).)
PaaS - Platform as a Service. An online application that manages a number of the behind-the-scenes tasks for you when you maintain a website or other online service. There are many PaaS options, but TTS has created cloud.gov specifically to meet the security and regulatory needs of federal agencies.
PBS - The Public Buildings Service is the landlord for the civilian federal government. It is the other major service provided by the GSA besides FAS.
PD - Position Description: description of the roles, responsibilities, qualifications, and expectations of an employee in a given position. Often called a job description.
PIF - The Presidential Innovation Fellows program pairs innovators with top civil servants in the highest levels of the federal government to tackle some of the biggest challenges. PIF is a division within TTS.
PII - personally identifiable information.
PRA - The Paperwork Reduction Act, enacted in 1980, aims to reduce the burden of federally imposed paperwork for U.S. businessess and the public.
Repo - Repository. A place to store code or data in a central location (such as GitHub).
SaaS - Software as a Service. Individuals or agencies subscribe to an application, and then access it over the internet. Most online applications, such as Salesforce and Google Drive, fall into this category. Need to purchase a SaaS product? Here's how to get software.
Scrum master - The facilitator for an agile development team.
SME - Subject Matter Expert. Specialist with expertise in a particular discipline or subject matter.
SMT - Senior Management Team. 18F's shorthand for its management team.
SOP - Standard Operating Procedure. Step-by-step instructions to help employees carry out routine operations efficiently and uniformly while maintaining compliance.
SOW - Statement of work. Document that defines project-specific activities, deliverables, and timelines for a vendor providing services to the client. May be part of an IAA.
TTS - The Technology Transformation Services aim to improve the public's experience with the government by helping agencies build, buy, and share technology that allows them to better serve the public. This is the TTS Handbook, and you're probably reading it because you're an employee of TTS. TTS is part of FAS, which is part of GSA.
USDS - The United States Digital Service is a startup at The White House, using design and technology to deliver better services to the American people.
UX - User experience. The overall experience that people have when they use a product or service. UX also refers to the field of user experience design, which focuses on building things with a focus on who the user is and what they want to do, rather than just what it should look like.
VPN - Virtual Private Network is a way to pretend that you're on the GSA network when you're not in a GSA building, which also makes your Internet connection more secure. It's required for access to some GSA sites. See VMware Horizon or AnyConnect.
- Waterfall development - An approach to software development projects based on upfront planning and linear, sequential execution.
- This Ars Technica article is a good primer on Amazon Web Services jargon.
- See a list of federal agency name acronyms.
- Here's an additional library of government acronyms.
- This is GitHub's glossary