Do you know your stengths? Personality? Motivation?

Now Discover Your Strengths Test Results and Review

by CURT NELSON

1. First, Break All The Rules (1999 – Mainly how to be a great manager)
2. (Entrepreneurs) Now Discover Your Strengths (2001- can use as a self-development tool, this book is more personal, for You but also has advice for managers)
3. Discover Your Sales Strengths (2003)
4. Living Your Strengths ( 2004)
5. How Full Is Your Bucket (2004 – also have a new expanded edition)
6. Teach With Your Strengths (2006)
7. Strengths Quest (2006)
8. (Entrepreneurs) Strengths Finder 2.0 ( 2007)
9. (Entrepreneurs) Go Put Your Strengths To Work (2007)
10. Strengths Based Leadership ( 2009)

Saving For Retirement 101

 
via Wikipedia : A Roth IRA (Individual Retirement Arrangement) is a retirement plan under US law that is generally not taxed, provided certain conditions are met.


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Age	Year	Start of year - Fund size	yearly contribution	with return of 8% end of year fund	cumulative contribution	Yields
30	1998	0	2,000	2,160	2,000	108%
31	1999	2,160	2,000	4,493	4,000	112%
32	2000	4,493	2,000	7,012	6,000	117%
33	2001	7,012	2,000	9,733	8,000	122%
34	2002	9,733	3,000	13,752	11,000	125%
35	2003	13,752	3,000	18,092	14,000	129%
36	2004	18,092	3,000	22,779	17,000	134%
37	2005	22,779	4,000	28,922	21,000	138%
38	2006	28,922	4,000	35,555	25,000	142%
39	2007	35,555	4,000	42,720	29,000	147%
40	2008	42,720	5,000	51,537	34,000	152%
41	2009	51,537	5,000	61,060	39,000	157%
42	2010	61,060	5,000	71,345	44,000	162%
43	2011	71,345	5,000	82,453	49,000	168%
44	2012	82,453	5,000	94,449	54,000	175%
45	2013	94,449	5,500	107,945	59,500	181%
46	2014	107,945	5,500	122,521	65,000	188%
47	2015	122,521	5,500	138,262	70,500	196%

via Wikipeida: In the United States, a 401(k) plan is the tax-qualified, defined-contribution pension account defined in subsection 401(k) of the Internal Revenue Code.^[1] Under the plan, retirement savings contributions are provided (and sometimes proportionately matched) by an employer, deducted from the employee's paycheck before taxation (therefore tax-deferred until withdrawn after retirement or as otherwise permitted by applicable law),


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Age	Year	Start of year - Fund size	yearly contribution	with return of 7% end of year fund	cumulative contribution	Yields
30	1998	0	10,000	10,700	10,000	107%
31	1999	10,700	10,000	22,149	20,000	111%
32	2000	22,149	10,000	34,399	30,000	115%
33	2001	34,399	10,500	48,042	40,500	119%
34	2002	48,042	11,000	63,175	51,500	123%
35	2003	63,175	12,000	80,438	63,500	127%
36	2004	80,438	13,000	99,978	76,500	131%
37	2005	99,978	14,000	121,957	90,500	135%
38	2006	121,957	15,000	146,544	105,500	139%
39	2007	146,544	15,500	173,387	121,000	143%
40	2008	173,387	15,500	202,109	136,500	148%
41	2009	202,109	16,500	233,911	153,000	153%
42	2010	233,911	16,500	267,940	169,500	158%
43	2011	267,940	16,500	304,351	186,000	164%
44	2012	304,351	17,000	343,846	203,000	169%
45	2013	343,846	17,500	386,640	220,500	175%
46	2014	386,640	17,500	432,430	238,000	182%
47	2015	432,430	18,000	481,960	256,000	188%

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If owing a business (as self-empolyeed),

20,000 of net earning = 5,000 possible deferred saving.

 

Keogh Plans  - for self-empolyeed funded retirement 

The contribution limits for defined contribution Keogh plans are like those for SEP-IRAs; each has an annual contribution limit of 25% of net self-employment earnings, up to a maximum of $49,000 for 2009 ($46,000 for 2008).

FYI
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Roth IRA 2013 - 5,500 (6,500 for age 50 plus)
2008-2012-earlier - 5,000 (6,000)
2006-2007 4,000 (5,000)
2005 4,000 (4,500)
2002-2004 3,000 (3,500)

401K Maximum 2013 -17,500 (5,500 over for catch up)
2012 - 17,000
2009-2011 - 16,500
2008 - 15,500