home *** CD-ROM | disk | FTP | other *** search
Unknown | 1990-10-03 | 18.5 KB |
open in:
MacOS 8.1
|
Win98
|
DOS
view JSON data
|
view as text
This file was not able to be converted.
This format is not currently supported by dexvert.
Confidence | Program | Detection | Match Type | Support
|
---|
100%
| file
| data
| default
|
|
hex view+--------+-------------------------+-------------------------+--------+--------+
|00000000| 31 00 c6 00 00 00 51 05 | 00 00 51 05 00 00 51 05 |1.....Q.|..Q...Q.|
|00000010| 00 00 51 05 00 00 51 05 | 00 00 51 05 00 00 51 05 |..Q...Q.|..Q...Q.|
|00000020| 00 00 51 05 00 00 51 05 | 00 00 51 05 00 00 51 05 |..Q...Q.|..Q...Q.|
|00000030| 00 00 51 05 00 00 51 05 | 00 00 51 08 00 00 51 08 |..Q...Q.|..Q...Q.|
|00000040| 00 00 51 08 00 00 60 0c | 00 00 b1 0e 00 00 d1 12 |..Q...`.|........|
|00000050| 00 00 29 16 00 00 29 16 | 00 00 29 16 00 00 29 16 |..)...).|..)...).|
|00000060| 00 00 de 18 00 00 de 18 | 00 00 5d 1c 00 00 5f 1f |........|..]..._.|
|00000070| 00 00 31 23 00 00 b0 25 | 00 00 f9 28 00 00 f9 28 |..1#...%|...(...(|
|00000080| 00 00 29 2c 00 00 8f 2e | 00 00 95 30 00 00 b0 32 |..),....|...0...2|
|00000090| 00 00 83 35 00 00 31 38 | 00 00 2e 3a 00 00 c0 3b |...5..18|...:...;|
|000000a0| 00 00 d7 3c 00 00 df 3e | 00 00 3e 40 00 00 1a 42 |...<...>|..>@...B|
|000000b0| 00 00 3c 43 00 00 79 44 | 00 00 a5 45 00 00 00 47 |..<C..yD|...E...G|
|000000c0| 00 00 bb 48 00 00 01 00 | 00 00 00 00 17 00 4f 00 |...H....|......O.|
|000000d0| 04 83 39 8c 79 04 f2 20 | db db dc ff 06 fd f0 ff |..9.y.. |........|
|000000e0| 1f 52 45 54 49 52 45 4d | 45 4e 54 ff 1d fd f2 20 |.RETIREM|ENT.... |
|000000f0| 20 fe db 03 ff 04 dc db | df fd f0 ff 05 da fe c4 | .......|........|
|00000100| 11 43 4f 52 50 4f 52 41 | 54 45 20 52 45 54 49 52 |.CORPORA|TE RETIR|
|00000110| 45 4d 45 4e 54 20 50 4c | 41 4e 53 fe c4 11 bf 20 |EMENT PL|ANS.... |
|00000120| fd f2 ff 03 df db db fd | 24 4f fd f2 dc db db df |........|$O......|
|00000130| fd f0 ff 06 b3 c9 fe cd | 0b 44 52 41 57 49 4e 47 |........|.DRAWING|
|00000140| 20 4f 4e 20 59 4f 55 52 | 20 50 4c 41 4e 28 53 29 | ON YOUR| PLAN(S)|
|00000150| 20 41 54 20 52 45 54 49 | 52 45 4d 45 4e 54 fe cd | AT RETI|REMENT..|
|00000160| 0a bb b3 20 fd f2 df fe | db 04 fd 24 4f fd 22 db |... ....|...$O.".|
|00000170| fd 24 4f fd f2 db 20 20 | fd f0 ff 06 b3 ba ff 3a |.$O... |.......:|
|00000180| ba b3 20 20 fd f2 20 df | df fd 4a cd cd fd f2 20 |.. .. .|..J.... |
|00000190| df fe db 03 dc fd f0 ff | 05 b3 ba ff 3a ba b3 20 |........|....:.. |
|000001a0| 20 fd f2 20 20 fd f4 dc | fd 4a cd cd fd f0 ff 04 | .. ...|.J......|
|000001b0| fd f2 df db fd f0 ff 05 | b3 ba 20 20 57 68 65 6e |........|.. When|
|000001c0| 20 79 6f 75 20 72 65 74 | 69 72 65 2c 20 79 6f 75 | you ret|ire, you|
|000001d0| 20 63 61 6e 20 72 65 63 | 65 69 76 65 20 79 6f 75 | can rec|eive you|
|000001e0| 72 20 63 6f 72 70 6f 72 | 61 74 65 20 72 65 74 69 |r corpor|ate reti|
|000001f0| 72 65 2d 20 ba b3 20 20 | fd f6 20 dc fd 4a cd cd |re- .. |.. ..J..|
|00000200| fd f0 ff 0c b3 ba 20 20 | 6d 65 6e 74 20 70 6c 61 |...... |ment pla|
|00000210| 6e 28 73 29 20 69 6e 20 | 6f 6e 65 20 6f 66 20 74 |n(s) in |one of t|
|00000220| 77 6f 20 77 61 79 73 3a | ff 18 ba b3 20 20 fd f6 |wo ways:|.... ..|
|00000230| 20 fd 4a cd cd fd f0 ff | 0d b3 ba ff 3a ba b3 ff | .J.....|....:...|
|00000240| 03 fd 4a cd cd fd f0 ff | 0d b3 ba ff 10 31 2e 20 |..J.....|.....1. |
|00000250| 41 73 20 61 6e 20 61 6e | 6e 75 69 74 79 ff 1a ba |As an an|nuity...|
|00000260| b3 20 20 fd f4 dc fd 4a | cd cd fd f0 ff 0d b3 ba |. ....J|........|
|00000270| ff 10 32 2e 20 49 6e 20 | 6f 6e 65 20 6c 75 6d 70 |..2. In |one lump|
|00000280| 20 73 75 6d 20 70 61 79 | 6d 65 6e 74 ff 10 ba b3 | sum pay|ment....|
|00000290| 20 20 fd 4a cd cd fd f0 | ff 0e b3 ba ff 3a ba b3 | .J....|.....:..|
|000002a0| 20 fd f4 dc fd 4a cd cd | fd f0 ff 0e b3 ba 20 20 | ....J..|...... |
|000002b0| 41 6e 6e 75 69 74 69 65 | 73 20 61 72 65 20 66 69 |Annuitie|s are fi|
|000002c0| 78 65 64 20 6d 6f 6e 74 | 68 6c 79 20 70 61 79 6d |xed mont|hly paym|
|000002d0| 65 6e 74 73 20 74 68 61 | 74 20 79 6f 75 20 72 65 |ents tha|t you re|
|000002e0| 63 65 69 76 65 ff 03 ba | b3 20 fd 4a cd cd fd f0 |ceive...|. .J....|
|000002f0| ff 0f b3 ba 20 20 66 6f | 72 20 74 68 65 20 72 65 |.... fo|r the re|
|00000300| 73 74 20 6f 66 20 79 6f | 75 72 20 6c 69 66 65 2e |st of yo|ur life.|
|00000310| 20 20 54 68 65 20 6d 6f | 6e 65 79 20 69 73 20 79 | The mo|ney is y|
|00000320| 6f 75 72 73 20 74 6f 20 | 73 70 65 6e 64 20 ba b3 |ours to |spend ..|
|00000330| 20 fd 4a cd cd fd f0 ff | 0f b3 ba 20 20 6f 72 20 | .J.....|... or |
|00000340| 73 61 76 65 20 61 73 20 | 79 6f 75 20 77 69 73 68 |save as |you wish|
|00000350| 2e ff 24 ba b3 20 fd 4a | cd cd fd f0 ff 0f b3 ba |..$.. .J|........|
|00000360| ff 3a ba b3 20 fd 4a cd | cd fd f0 ff 0f b3 ba 20 |.:.. .J.|....... |
|00000370| 20 49 66 20 79 6f 75 20 | 65 6c 65 63 74 20 74 6f | If you |elect to|
|00000380| 20 72 65 63 65 69 76 65 | 20 61 20 6c 75 6d 70 20 | receive| a lump |
|00000390| 73 75 6d 20 70 61 79 6d | 65 6e 74 2c 20 79 6f 75 |sum paym|ent, you|
|000003a0| 20 77 69 6c 6c ff 04 ba | b3 20 fd 4a cd cd fd f0 | will...|. .J....|
|000003b0| ff 0f b3 ba 20 20 77 61 | 6e 74 20 74 6f 20 69 6e |.... wa|nt to in|
|000003c0| 76 65 73 74 20 69 74 20 | 77 69 73 65 6c 79 2e 20 |vest it |wisely. |
|000003d0| 20 53 48 4f 57 20 4d 45 | 20 4d 4f 52 45 20 6f 75 | SHOW ME| MORE ou|
|000003e0| 74 6c 69 6e 65 73 20 73 | 65 76 65 72 2d 20 ba b3 |tlines s|ever- ..|
|000003f0| 20 fd 4a cd cd fd f0 c2 | ff 0e b3 ba 20 20 61 6c | .J.....|.... al|
|00000400| 20 61 6c 74 65 72 6e 61 | 74 69 76 65 73 2e 20 20 | alterna|tives. |
|00000410| 54 68 65 20 6d 65 74 68 | 6f 64 20 6f 66 20 72 65 |The meth|od of re|
|00000420| 69 6e 76 65 73 74 6d 65 | 6e 74 20 79 6f 75 20 63 |investme|nt you c|
|00000430| 68 6f 6f 73 65 20 ba b3 | 20 fd 4a cd cd fd f0 20 |hoose ..| .J.... |
|00000440| 5c ff 0d b3 ba 20 20 77 | 69 6c 6c 20 64 65 70 65 |\.... w|ill depe|
|00000450| 6e 64 20 6f 6e 20 79 6f | 75 72 20 61 6e 64 20 79 |nd on yo|ur and y|
|00000460| 6f 75 72 20 73 70 6f 75 | 73 65 27 73 20 6d 65 64 |our spou|se's med|
|00000470| 69 63 61 6c 20 68 69 73 | 74 6f 72 79 2c 20 20 ba |ical his|tory, .|
|00000480| b3 20 fd 4a cd cd fd f0 | 20 20 c6 fe cd 03 d1 ff |. .J....| ......|
|00000490| 08 b3 ba 20 20 6c 6f 6e | 67 65 76 69 74 79 20 61 |... lon|gevity a|
|000004a0| 6e 64 20 6c 69 66 65 20 | 73 74 79 6c 65 2e ff 1f |nd life |style...|
|000004b0| ba b3 20 fd 4a cd cd fd | f0 5f 2f fe 2d 05 5c 5f |.. .J...|._/.-.\_|
|000004c0| ff 06 b3 ba ff 3a ba b3 | 20 fd 4a cd cd fd 9b b0 |.....:..| .J.....|
|000004d0| 20 b0 20 b0 20 b0 20 b0 | fd e9 f0 fd e3 20 f8 ff | . . . .|..... ..|
|000004e0| 05 fd fe dc ff 06 fd f0 | ff 09 fd 0e 20 fd e4 53 |........|.... ..S|
|000004f0| fd 0e 48 4f 57 20 4d 45 | 20 4d 4f 52 45 20 fd f0 |..HOW ME| MORE ..|
|00000500| ff 1c ba b3 20 fd e4 fe | c4 0d bf fd e3 3a 20 20 |.... ...|.....: |
|00000510| fa 20 20 07 fd fe dc ff | 03 fd f0 ff 2a fd f9 da |. .....|....*...|
|00000520| fe c4 09 d0 c1 c4 fd e4 | 20 43 4f 4e 54 49 4e 55 |........| CONTINU|
|00000530| 45 11 c4 d9 20 b3 fd e3 | 20 20 2e ff 06 fd 9e dc |E... ...| ......|
|00000540| ff 1c fd 9a 20 fd 9e ff | 0d fd 9f 20 b3 ff 0c 00 |.... ...|... ....|
|00000550| 00 01 00 03 00 12 00 18 | 00 4e 00 3c 39 e7 90 ee |........|.N.<9...|
|00000560| 02 f0 ff 3c b3 20 20 fd | e0 da fe c4 15 fd 0e 20 |...<. .|....... |
|00000570| 4d 4f 4e 45 59 20 46 41 | 43 54 20 fd e0 fe c4 15 |MONEY FA|CT .....|
|00000580| bf fd f0 20 20 b3 20 20 | fd e0 b3 ff 36 b3 fd f0 |... . |....6...|
|00000590| 20 20 b3 20 20 fd e0 b3 | 20 41 41 52 50 2c 20 6f | . ...| AARP, o|
|000005a0| 72 20 74 68 65 20 41 6d | 65 72 69 63 61 6e 20 41 |r the Am|erican A|
|000005b0| 73 73 6f 63 69 61 74 69 | 6f 6e 20 6f 66 20 52 65 |ssociati|on of Re|
|000005c0| 74 69 72 65 64 20 50 65 | 72 73 6f 6e 73 2c b3 fd |tired Pe|rsons,..|
|000005d0| f0 20 20 b3 20 20 fd e0 | b3 20 69 73 20 74 68 65 |. . ..|. is the|
|000005e0| 20 73 65 63 6f 6e 64 20 | 6c 61 72 67 65 73 74 20 | second |largest |
|000005f0| 6d 65 6d 62 65 72 73 68 | 69 70 20 67 72 6f 75 70 |membersh|ip group|
|00000600| 20 69 6e 20 74 68 65 20 | 6e 61 74 69 6f 6e 20 b3 | in the |nation .|
|00000610| fd f0 20 20 b3 20 20 fd | e0 b3 20 28 74 68 65 20 |.. . .|.. (the |
|00000620| 52 6f 6d 61 6e 20 43 61 | 74 68 6f 6c 69 63 20 43 |Roman Ca|tholic C|
|00000630| 68 75 72 63 68 20 69 73 | 20 73 74 69 6c 6c 20 66 |hurch is| still f|
|00000640| 69 72 73 74 29 2e ff 0a | b3 fd f0 20 20 b3 20 20 |irst)...|... . |
|00000650| fd e0 b3 ff 36 b3 fd f0 | 20 20 b3 20 20 fd e0 b3 |....6...| . ...|
|00000660| 20 41 6e 79 6f 6e 65 20 | 6f 76 65 72 20 35 30 20 | Anyone |over 50 |
|00000670| 61 6e 64 20 68 69 73 20 | 6f 72 20 68 65 72 20 73 |and his |or her s|
|00000680| 70 6f 75 73 65 20 63 61 | 6e 20 6a 6f 69 6e 20 61 |pouse ca|n join a|
|00000690| 6e 64 ff 04 b3 fd f0 20 | 20 b3 20 20 fd e0 b3 20 |nd..... | . ... |
|000006a0| 72 65 63 65 69 76 65 20 | 41 41 52 50 27 73 20 67 |receive |AARP's g|
|000006b0| 6c 6f 73 73 79 20 62 69 | 2d 6d 6f 6e 74 68 6c 79 |lossy bi|-monthly|
|000006c0| 20 70 75 62 6c 69 63 61 | 74 69 6f 6e 2c ff 08 b3 | publica|tion,...|
|000006d0| fd f0 20 20 b3 20 20 fd | e0 b3 20 4d 6f 64 65 72 |.. . .|.. Moder|
|000006e0| 6e 20 4d 61 74 75 72 69 | 74 79 2e 20 20 54 68 65 |n Maturi|ty. The|
|000006f0| 20 61 67 65 6e 63 79 20 | 6f 66 66 65 72 73 20 73 | agency |offers s|
|00000700| 65 72 76 69 63 65 73 20 | 66 72 6f 6d ff 04 b3 fd |ervices |from....|
|00000710| f0 20 20 b3 20 20 fd e0 | b3 20 74 61 78 20 70 72 |. . ..|. tax pr|
|00000720| 65 70 61 72 61 74 69 6f | 6e 20 61 6e 64 20 6d 6f |eparatio|n and mo|
|00000730| 6e 65 79 20 6d 61 6e 61 | 67 65 6d 65 6e 74 20 74 |ney mana|gement t|
|00000740| 6f 20 6d 61 69 6c 2d 6f | 72 64 65 72 ff 03 b3 fd |o mail-o|rder....|
|00000750| f0 20 20 b3 20 20 fd e0 | b3 20 70 68 61 72 6d 61 |. . ..|. pharma|
|00000760| 63 65 75 74 69 63 61 6c | 20 73 61 6c 65 73 20 61 |ceutical| sales a|
|00000770| 6e 64 20 63 61 72 20 69 | 6e 73 75 72 61 6e 63 65 |nd car i|nsurance|
|00000780| 2e ff 0e b3 fd f0 20 20 | b3 20 20 fd e0 b3 ff 36 |...... |. ....6|
|00000790| b3 fd f0 20 20 b3 20 20 | fd e0 b3 20 42 61 73 65 |... . |... Base|
|000007a0| 64 20 69 6e 20 57 61 73 | 68 69 6e 67 74 6f 6e 20 |d in Was|hington |
|000007b0| 44 2e 43 2e 2c 20 74 68 | 65 20 61 67 65 6e 63 79 |D.C., th|e agency|
|000007c0| 20 61 6c 73 6f 20 66 6f | 72 6d 73 20 61 ff 04 b3 | also fo|rms a...|
|000007d0| fd f0 20 20 b3 20 20 fd | e0 b3 20 70 6f 77 65 72 |.. . .|.. power|
|000007e0| 66 75 6c 20 73 65 6e 69 | 6f 72 20 63 69 74 69 7a |ful seni|or citiz|
|000007f0| 65 6e 73 20 6c 6f 62 62 | 79 2e ff 16 b3 fd f0 20 |ens lobb|y...... |
|00000800| 20 b3 20 20 fd e0 b3 ff | 36 b3 fd f0 20 20 b3 20 | . ....|6... . |
|00000810| 20 fd e0 c0 fe c4 36 d9 | fd f0 20 20 b3 ff 3c b3 | .....6.|.. ..<.|
|00000820| ff 3c b3 fd ef df fd f0 | ff 3b b3 fd e3 20 20 07 |.<......|.;... .|
|00000830| fd fe dc 20 20 fd f0 ff | 2b fd f9 da fe c4 0a c1 |... ...|+.......|
|00000840| fd e3 ff 05 fd 9e dc ff | 2a fd 9f 20 b3 ff 0b 00 |........|*.. ....|
|00000850| 00 01 00 02 00 01 00 18 | 00 4f 00 0c 00 71 8c fd |........|.O...q..|
|00000860| 03 f2 20 fe db 03 ff 04 | dc db df fd f0 ff 05 da |.. .....|........|
|00000870| fe c4 11 43 4f 52 50 4f | 52 41 54 45 20 52 45 54 |...CORPO|RATE RET|
|00000880| 49 52 45 4d 45 4e 54 20 | 50 4c 41 4e 53 fe c4 11 |IREMENT |PLANS...|
|00000890| bf 20 fd f2 20 20 df db | db fd 24 4f fd f2 dc db |. .. ..|..$O....|
|000008a0| db df fd f0 ff 06 b3 ff | 3c b3 20 fd f2 fe db 04 |........|<. .....|
|000008b0| fd 24 4f fd 22 db fd 24 | 4f fd f2 db 20 20 fd f0 |.$O."..$|O... ..|
|000008c0| ff 06 b3 20 49 64 65 61 | 6c 6c 79 2c 20 79 6f 75 |... Idea|lly, you|
|000008d0| 20 73 68 6f 75 6c 64 20 | 73 75 70 70 6c 65 6d 65 | should |suppleme|
|000008e0| 6e 74 20 79 6f 75 72 20 | 63 6f 6d 70 61 6e 79 27 |nt your |company'|
|000008f0| 73 20 fd ce 51 fd f0 55 | 41 4c 49 46 49 45 44 ff |s ..Q..U|ALIFIED.|
|00000900| 04 b3 20 fd f2 20 df df | fd 4a cd cd fd f2 20 df |.. .. ..|.J.... .|
|00000910| fe db 03 dc fd f0 ff 05 | b3 20 70 65 6e 73 69 6f |........|. pensio|
|00000920| 6e 20 70 6c 61 6e 20 61 | 6e 64 20 79 6f 75 72 20 |n plan a|nd your |
|00000930| 53 6f 63 69 61 6c 20 53 | 65 63 75 72 69 74 79 20 |Social S|ecurity |
|00000940| 77 69 74 68 20 79 6f 75 | 72 20 6f 77 6e 20 74 61 |with you|r own ta|
|00000950| 78 2d ff 03 b3 20 fd f2 | 20 20 fd f4 dc fd 4a cd |x-... ..| ....J.|
|00000960| cd fd f0 ff 04 fd f2 df | db fd f0 ff 05 b3 20 64 |........|...... d|
|00000970| 65 66 65 72 72 65 64 20 | 69 6e 76 65 73 74 6d 65 |eferred |investme|
|00000980| 6e 74 20 70 6c 61 6e 2e | ff 22 b3 20 fd f6 20 dc |nt plan.|.". .. .|
|00000990| fd 4a cd cd fd f0 ff 0c | b3 ff 3c b3 20 fd f6 20 |.J......|..<. .. |
|000009a0| fd 4a cd cd fd f0 ff 0d | b3 20 4d 6f 73 74 20 63 |.J......|. Most c|
|000009b0| 6f 6d 70 61 6e 69 65 73 | 20 61 6c 6c 6f 77 20 79 |ompanies| allow y|
|000009c0| 6f 75 20 74 6f 20 70 61 | 72 74 69 63 69 70 61 74 |ou to pa|rticipat|
|000009d0| 65 20 69 6e 20 74 68 65 | 69 72 20 72 65 74 69 72 |e in the|ir retir|
|000009e0| 65 2d ff 03 b3 20 20 fd | 4a cd cd fd f0 ff 0d b3 |e-... .|J.......|
|000009f0| 20 6d 65 6e 74 20 70 6c | 61 6e 73 20 6f 6e 6c 79 | ment pl|ans only|
|00000a00| 20 61 66 74 65 72 20 61 | 20 72 65 71 75 69 72 65 | after a| require|
|00000a10| 64 20 70 65 72 69 6f 64 | 20 6f 66 20 65 6d 70 6c |d period| of empl|
|00000a20| 6f 79 6d 65 6e 74 2e ff | 05 b3 20 fd f4 dc fd 4a |oyment..|.. ....J|
|00000a30| cd cd fd f0 ff 0d b3 20 | 54 68 69 73 20 69 73 20 |....... |This is |
|00000a40| 63 61 6c 6c 65 64 20 fd | ce 56 fd f0 65 73 74 69 |called .|.V..esti|
|00000a50| 6e 67 2e 20 20 4f 6e 63 | 65 20 79 6f 75 20 61 72 |ng. Onc|e you ar|
|00000a60| 65 20 66 75 6c 6c 79 20 | 76 65 73 74 65 64 2c 20 |e fully |vested, |
|00000a70| 79 6f 75 72 ff 03 b3 20 | fd 4a cd cd fd f0 ff 0e |your... |.J......|
|00000a80| b3 20 70 65 6e 73 69 6f | 6e 20 72 69 67 68 74 73 |. pensio|n rights|
|00000a90| 20 63 61 6e 6e 6f 74 20 | 62 65 20 74 61 6b 65 6e | cannot |be taken|
|00000aa0| 20 61 77 61 79 20 66 72 | 6f 6d 20 79 6f 75 2e ff | away fr|om you..|
|00000ab0| 0e b3 20 fd 4a cd cd fd | f0 ff 0e b3 ff 3c b3 20 |.. .J...|.....<. |
|00000ac0| fd 4a cd fd f0 ff 0f b3 | 20 41 6c 6c 20 74 68 61 |.J......| All tha|
|00000ad0| 74 20 61 73 69 64 65 2c | 20 63 6f 72 70 6f 72 61 |t aside,| corpora|
|00000ae0| 74 65 20 70 65 6e 73 69 | 6f 6e 73 20 63 6f 6d 65 |te pensi|ons come|
|00000af0| 20 69 6e 20 74 77 6f 20 | 62 61 73 69 63 ff 07 b3 | in two |basic...|
|00000b00| 20 fd 4a cd fd f0 ff 0f | b3 20 66 6f 72 6d 73 3a | .J.....|. forms:|
|00000b10| 20 74 68 65 20 fd f2 44 | 45 46 49 4e 45 44 20 43 | the ..D|EFINED C|
|00000b20| 4f 4e 54 52 49 42 55 54 | 49 4f 4e fd f0 20 61 6e |ONTRIBUT|ION.. an|
|00000b30| 64 20 74 68 65 fd f2 20 | 44 45 46 49 4e 45 44 20 |d the.. |DEFINED |
|00000b40| 42 45 4e 45 46 49 54 fd | f0 2c ff 03 b3 20 fd 4a |BENEFIT.|.,... .J|
|00000b50| cd fd f0 ff 0f b3 20 62 | 6f 74 68 20 6f 66 20 77 |...... b|oth of w|
|00000b60| 68 69 63 68 20 63 61 6e | 20 62 65 20 73 74 61 6e |hich can| be stan|
|00000b70| 64 2d 61 6c 6f 6e 65 20 | 6f 72 20 6d 69 78 65 64 |d-alone |or mixed|
|00000b80| 20 66 6f 72 6d 75 6c 61 | 73 2e ff 08 b3 20 fd 4a | formula|s.... .J|
|00000b90| cd fd f0 ff 0f b3 ff 3c | b3 20 fd 4a cd fd f0 ff |.......<|. .J....|
|00000ba0| 0f b3 ff 3c b3 20 fd 4a | cd fd f0 c2 ff 0e b3 ff |...<. .J|........|
|00000bb0| 3c b3 20 fd 4a cd fd f0 | 20 5c ff 0d b3 20 20 fd |<. .J...| \... .|
|00000bc0| 0e 20 4d 6f 6e 65 79 20 | fd e6 46 fd 0e 61 63 74 |. Money |..F..act|
|00000bd0| 20 fd f0 ff 2e b3 20 fd | 4a cd fd f0 20 20 c6 fe | ..... .|J... ..|
|00000be0| cd 03 d1 ff 08 b3 ff 3c | b3 20 fd 4a cd fd f0 5f |.......<|. .J..._|
|00000bf0| 2f fe 2d 05 5c 5f ff 06 | b3 ff 3c b3 20 fd 4a cd |/.-.\_..|..<. .J.|
|00000c00| fd 9b b0 20 b0 20 b0 20 | b0 20 b0 fd e9 f0 fd e3 |... . . |. ......|
|00000c10| 20 f8 ff 04 fd ef df fd | f0 ff 3b b3 20 fd e4 fe | .......|..;. ...|
|00000c20| c4 0c bf fd e3 3a 20 20 | fa 20 20 07 fd fe dc 20 |.....: |. .... |
|00000c30| 20 fd f0 ff 2b fd f9 da | fe c4 0a c1 c4 fd e4 43 | ...+...|.......C|
|00000c40| 4f 4e 54 49 4e 55 45 11 | c4 d9 20 b3 fd e3 20 20 |ONTINUE.|.. ... |
|00000c50| 2e ff 06 fd 9e dc ff 2a | fd 9f 20 b3 ff 0c 00 00 |.......*|.. .....|
|00000c60| 01 00 03 00 12 00 18 00 | 4e 00 0c 00 71 8c 3f 02 |........|N...q.?.|
|00000c70| 2f ff 3c fd f0 b3 fd 2f | ff 1a 56 45 53 54 49 4e |/.<..../|..VESTIN|
|00000c80| 47 ff 1b fd f0 b3 fd 2f | ff 3c fd f0 b3 fd 2f 20 |G....../|.<..../ |
|00000c90| 20 46 75 6c 6c 20 76 65 | 73 74 69 6e 67 20 6f 63 | Full ve|sting oc|
|00000ca0| 63 75 72 73 20 61 66 74 | 65 72 20 66 69 76 65 20 |curs aft|er five |
|00000cb0| 79 65 61 72 73 20 6f 66 | 20 65 6d 70 6c 6f 79 6d |years of| employm|
|00000cc0| 65 6e 74 2c 20 6f 72 ff | 04 fd f0 b3 fd 2f 20 20 |ent, or.|...../ |
|00000cd0| 62 79 20 66 6f 6c 6c 6f | 77 69 6e 67 20 74 68 65 |by follo|wing the|
|00000ce0| 20 67 72 61 64 75 61 74 | 65 64 20 73 63 68 65 64 | graduat|ed sched|
|00000cf0| 75 6c 65 20 61 73 20 69 | 6c 6c 75 73 74 72 61 74 |ule as i|llustrat|
|00000d00| 65 64 ff 08 fd f0 b3 fd | 2f 20 20 62 65 6c 6f 77 |ed......|/ below|
|00000d10| 3a ff 34 fd f0 b3 fd 2f | ff 3c fd f0 b3 fd 2f 20 |:.4..../|.<..../ |
|00000d20| fd 2e 20 59 65 61 72 73 | 20 6f 66 20 73 65 72 76 |.. Years| of serv|
|00000d30| 69 63 65 3a ff 06 33 ff | 06 34 ff 06 35 ff 06 36 |ice:..3.|.4..5..6|
|00000d40| ff 06 37 ff 04 fd 2f 20 | 20 fd f0 b3 fd 2f 20 fd |..7.../ | ..../ .|
|00000d50| 2e 20 fe c4 37 20 fd 2f | 20 20 fd f0 b3 fd 2f 20 |. ..7 ./| ..../ |
|00000d60| fd 2e 20 25 20 76 65 73 | 74 65 64 20 69 6e 20 70 |.. % ves|ted in p|
|00000d70| 6c 61 6e 3a ff 05 32 30 | ff 05 34 30 ff 05 36 30 |lan:..20|..40..60|
|00000d80| ff 05 38 30 ff 04 31 30 | 30 ff 04 fd 2f 20 20 fd |..80..10|0.../ .|
|00000d90| f0 b3 fd 2f ff 3c fd f0 | b3 fd 2f ff 3c fd f0 b3 |.../.<..|../.<...|
|00000da0| fd 2f 20 20 4f 66 20 63 | 6f 75 72 73 65 2c 20 69 |./ Of c|ourse, i|
|00000db0| 66 20 79 6f 75 20 6d 6f | 76 65 20 61 72 6f 75 6e |f you mo|ve aroun|
|00000dc0| 64 20 6a 6f 62 73 20 61 | 20 6c 6f 74 20 79 6f 75 |d jobs a| lot you|
|00000dd0| 20 63 6f 75 6c 64 20 62 | 65 ff 05 fd f0 b3 fd 2f | could b|e....../|
|00000de0| 20 20 73 61 63 72 69 66 | 69 63 69 6e 67 20 61 20 | sacrif|icing a |
|00000df0| 63 6f 72 70 6f 72 61 74 | 65 20 70 65 6e 73 69 6f |corporat|e pensio|
|00000e00| 6e 20 70 6c 61 6e 2c 20 | 61 73 20 79 6f 75 20 77 |n plan, |as you w|
|00000e10| 69 6c 6c 20 6e 6f 74 ff | 05 fd f0 b3 fd 2f 20 20 |ill not.|...../ |
|00000e20| 68 61 76 65 20 77 6f 72 | 6b 65 64 20 61 6e 79 77 |have wor|ked anyw|
|00000e30| 68 65 72 65 20 6c 6f 6e | 67 20 65 6e 6f 75 67 68 |here lon|g enough|
|00000e40| 20 74 6f 20 62 65 63 6f | 6d 65 20 76 65 73 74 65 | to beco|me veste|
|00000e50| 64 20 69 6e 20 61 6e 79 | 20 20 fd f0 b3 fd 2f 20 |d in any| ..../ |
|00000e60| 20 6f 6e 65 20 63 6f 6d | 70 61 6e 79 2e ff 2e fd | one com|pany....|
|00000e70| f0 b3 fd 2f ff 3c fd f0 | b3 fd 2f ff 3c fd f0 b3 |.../.<..|../.<...|
|00000e80| ff 3c b3 fd ef df fd f0 | ff 3b b3 fd e3 20 20 07 |.<......|.;... .|
|00000e90| fd fe dc 20 20 fd f0 ff | 2b fd f9 da fe c4 0a c1 |... ...|+.......|
|00000ea0| fd e3 ff 05 fd 9e dc ff | 2a fd 9f 20 b3 ff 0b 00 |........|*.. ....|
|00000eb0| 00 01 00 00 00 00 00 17 | 00 4f 00 a8 a1 39 8c 0e |........|.O...9..|
|00000ec0| 04 f2 20 db db dc ff 06 | fd f0 ff 1f 52 45 54 49 |.. .....|....RETI|
|00000ed0| 52 45 4d 45 4e 54 ff 1d | fd f2 20 20 fe db 03 ff |REMENT..|.. ....|
|00000ee0| 04 dc db df fd f0 ff 05 | da fe c4 17 53 4f 43 49 |........|....SOCI|
|00000ef0| 41 4c 20 53 45 43 55 52 | 49 54 59 fe c4 16 bf 20 |AL SECUR|ITY.... |
|00000f00| fd f2 ff 03 df db db fd | 24 4f fd f2 dc db db df |........|$O......|
|00000f10| fd f0 ff 06 b3 c9 fe cd | 3a bb b3 20 fd f2 df fe |........|:.. ....|
|00000f20| db 04 fd 24 4f fd 22 db | fd 24 4f fd f2 db 20 20 |...$O.".|.$O... |
|00000f30| fd f0 ff 06 b3 ba ff 3a | ba b3 20 20 fd f2 20 df |.......:|.. .. .|
|00000f40| df fd 4a cd cd fd f2 20 | df fe db 03 dc fd f0 ff |..J.... |........|
|00000f50| 05 b3 ba 20 54 68 65 20 | 74 61 78 20 62 75 72 64 |... The |tax burd|
|00000f60| 65 6e 20 6f 66 20 61 20 | 66 65 77 20 77 6f 72 6b |en of a |few work|
|00000f70| 65 72 73 20 73 75 70 70 | 6f 72 74 69 6e 67 20 6d |ers supp|orting m|
|00000f80| 61 6e 79 20 72 65 74 69 | 72 65 65 73 20 ba b3 20 |any reti|rees .. |
|00000f90| 20 fd f2 20 20 fd f4 dc | fd 4a cd cd fd f0 ff 04 | .. ...|.J......|
|00000fa0| fd f2 df db fd f0 ff 05 | b3 ba 20 69 73 20 61 20 |........|.. is a |
|00000fb0| 70 72 6f 62 6c 65 6d 20 | 74 68 65 20 73 79 73 74 |problem |the syst|
|00000fc0| 65 6d 20 77 69 6c 6c 20 | 68 61 76 65 20 74 6f 20 |em will |have to |
|00000fd0| 61 64 64 72 65 73 73 2e | ff 0c ba b3 20 20 fd f6 |address.|.... ..|
|00000fe0| 20 dc fd 4a cd cd fd f0 | ff 0c b3 ba ff 3a ba b3 | ..J....|.....:..|
|00000ff0| 20 20 fd f6 20 fd 4a cd | cd fd f0 ff 0d b3 ba 20 | .. .J.|....... |
|00001000| 4d 6f 72 65 20 6f 70 74 | 69 6d 69 73 74 69 63 20 |More opt|imistic |
|00001010| 70 72 65 64 69 63 74 69 | 6f 6e 73 20 61 6c 6c 6f |predicti|ons allo|
|00001020| 77 20 66 6f 72 20 61 20 | 32 30 2d 79 65 61 72 2d |w for a |20-year-|
|00001030| 6f 6c 64 ff 06 ba b3 ff | 03 fd 4a cd cd fd f0 ff |old.....|..J.....|
|00001040| 0d b3 ba 20 74 6f 64 61 | 79 20 65 61 72 6e 69 6e |... toda|y earnin|
|00001050| 67 2c 20 73 61 79 2c 20 | 24 32 35 2c fe 30 03 2c |g, say, |$25,.0.,|
|00001060| 20 74 6f 20 61 6e 74 69 | 63 69 70 61 74 65 20 63 | to anti|cipate c|
|00001070| 6f 6c 6c 65 63 74 69 6e | 67 ff 04 ba b3 20 20 fd |ollectin|g.... .|
|00001080| f4 dc fd 4a cd cd fd f0 | ff 0d b3 ba 20 24 31 33 |...J....|.... $13|
|00001090| 2c 35 34 38 20 61 6e 6e | 75 61 6c 6c 79 20 28 69 |,548 ann|ually (i|
|000010a0| 6e 20 74 6f 64 61 79 27 | 73 20 64 6f 6c 6c 61 72 |n today'|s dollar|
|000010b0| 73 29 20 77 68 65 6e 20 | 68 65 20 6f 72 20 73 68 |s) when |he or sh|
|000010c0| 65 ff 05 ba b3 20 20 fd | 4a cd cd fd f0 ff 0e b3 |e.... .|J.......|
|000010d0| ba 20 72 65 74 69 72 65 | 73 20 61 74 20 61 67 65 |. retire|s at age|
|000010e0| 20 36 35 20 69 6e 20 74 | 68 65 20 79 65 61 72 20 | 65 in t|he year |
|000010f0| 32 30 33 35 2e ff 16 ba | b3 20 fd f4 dc fd 4a cd |2035....|. ....J.|
|00001100| cd fd f0 ff 0e b3 ba ff | 3a ba b3 20 fd 4a cd cd |........|:.. .J..|
|00001110| fd f0 ff 0f b3 ba 20 43 | 6c 65 61 72 6c 79 2c 20 |...... C|learly, |
|00001120| 74 6f 20 63 6f 6e 74 69 | 6e 75 65 20 74 68 65 20 |to conti|nue the |
|00001130| 73 61 6d 65 20 73 74 61 | 6e 64 61 72 64 20 6f 66 |same sta|ndard of|
|00001140| 20 6c 69 76 69 6e 67 20 | 79 6f 75 20 68 61 64 20 | living |you had |
|00001150| ba b3 20 fd 4a cd cd fd | f0 ff 0f b3 ba 20 69 6e |.. .J...|..... in|
|00001160| 20 79 6f 75 72 20 70 72 | 69 6d 65 20 77 6f 72 6b | your pr|ime work|
|00001170| 69 6e 67 20 79 65 61 72 | 73 2c 20 79 6f 75 20 77 |ing year|s, you w|
|00001180| 69 6c 6c 20 6e 65 65 64 | 20 74 6f 20 73 75 70 70 |ill need| to supp|
|00001190| 6c 65 6d 65 6e 74 20 ba | b3 20 fd 4a cd cd fd f0 |lement .|. .J....|
|000011a0| ff 0f b3 ba 20 53 6f 63 | 69 61 6c 20 53 65 63 75 |.... Soc|ial Secu|
|000011b0| 72 69 74 79 20 77 69 74 | 68 20 6f 74 68 65 72 20 |rity wit|h other |
|000011c0| 72 65 74 69 72 65 6d 65 | 6e 74 20 69 6e 63 6f 6d |retireme|nt incom|
|000011d0| 65 2e ff 0c ba b3 20 fd | 4a cd cd fd f0 ff 0f b3 |e..... .|J.......|
|000011e0| ba ff 3a ba b3 20 fd 4a | cd cd fd f0 ff 0f b3 ba |..:.. .J|........|
|000011f0| ff 3a ba b3 20 fd 4a cd | cd fd f0 c2 ff 0e b3 ba |.:.. .J.|........|
|00001200| ff 15 fd 0e 20 fd e4 53 | fd 0e 48 4f 57 20 4d 45 |.... ..S|..HOW ME|
|00001210| 20 4d 4f 52 45 20 fd f0 | ff 17 ba b3 20 fd 4a cd | MORE ..|.... .J.|
|00001220| cd fd f0 20 5c ff 0d b3 | ba ff 3a ba b3 20 fd 4a |... \...|..:.. .J|
|00001230| cd cd fd f0 20 20 c6 fe | cd 03 d1 ff 08 b3 ba ff |.... ..|........|
|00001240| 3a ba b3 20 fd 4a cd cd | fd f0 5f 2f fe 2d 05 5c |:.. .J..|.._/.-.\|
|00001250| 5f ff 06 b3 ba ff 3a ba | b3 20 fd 4a cd cd fd 9b |_.....:.|. .J....|
|00001260| b0 20 b0 20 b0 20 b0 20 | b0 fd e9 f0 fd e3 20 f8 |. . . . |...... .|
|00001270| ff 05 fd fe dc fd f0 ff | 39 ba b3 20 fd e4 fe c4 |........|9.. ....|
|00001280| 0d bf fd e3 3a 20 20 fa | 20 20 07 fd fe dc 20 20 |....: .| .... |
|00001290| fd f0 ff 08 fd f9 ff 16 | fd f0 ff 0d fd f9 da fe |........|........|
|000012a0| c4 09 d0 c1 c4 fd e4 20 | 43 4f 4e 54 49 4e 55 45 |....... |CONTINUE|
|000012b0| 11 c4 d9 20 b3 fd e3 20 | 20 2e ff 06 fd 9e dc ff |... ... | .......|
|000012c0| 08 fd 9f ff 1e fd 9e ff | 04 fd 9f 20 b3 ff 0c 00 |........|... ....|
|000012d0| 00 01 00 01 00 00 00 18 | 00 42 00 e8 e4 90 7c 46 |........|.B....|F|
|000012e0| 03 f0 ff 1c 52 45 54 49 | 52 45 4d 45 4e 54 ff 21 |....RETI|REMENT.!|
|000012f0| da fe c4 11 43 4f 52 50 | 4f 52 41 54 45 20 52 45 |....CORP|ORATE RE|
|00001300| 54 49 52 45 4d 45 4e 54 | 20 50 4c 41 4e 53 fe c4 |TIREMENT| PLANS..|
|00001310| 11 bf ff 05 b3 c9 fe cd | 0f 20 44 45 46 49 4e 45 |........|. DEFINE|
|00001320| 44 20 43 4f 4e 54 52 49 | 42 55 54 49 4f 4e 20 50 |D CONTRI|BUTION P|
|00001330| 4c 41 4e 53 20 fe cd 0f | bb b3 ff 05 b3 ba ff 3a |LANS ...|.......:|
|00001340| ba b3 ff 05 b3 ba 20 57 | 69 74 68 20 44 65 66 69 |...... W|ith Defi|
|00001350| 6e 65 64 20 43 6f 6e 74 | 72 69 62 75 74 69 6f 6e |ned Cont|ribution|
|00001360| 20 70 6c 61 6e 73 2c 20 | 79 6f 75 72 20 63 6f 6d | plans, |your com|
|00001370| 70 61 6e 79 20 64 65 63 | 69 64 65 73 20 6f 72 20 |pany dec|ides or |
|00001380| ba b3 ff 05 b3 ba 20 64 | 65 66 69 6e 65 73 20 68 |...... d|efines h|
|00001390| 6f 77 20 6d 75 63 68 20 | 74 6f 20 63 6f 6e 74 72 |ow much |to contr|
|000013a0| 69 62 75 74 65 2c 20 62 | 75 74 20 74 68 65 20 66 |ibute, b|ut the f|
|000013b0| 69 6e 61 6c 20 62 65 6e | 65 66 69 74 20 69 73 20 |inal ben|efit is |
|000013c0| ba b3 ff 05 b3 ba 20 6e | 6f 74 20 67 75 61 72 61 |...... n|ot guara|
|000013d0| 6e 74 65 65 64 2e 20 20 | 53 6f 6d 65 20 70 6c 61 |nteed. |Some pla|
|000013e0| 6e 73 20 61 6c 6c 6f 77 | 20 65 6d 70 6c 6f 79 65 |ns allow| employe|
|000013f0| 65 73 20 74 6f 20 63 6f | 6e 74 72 69 62 75 74 65 |es to co|ntribute|
|00001400| ba b3 ff 05 b3 ba 20 61 | 73 20 77 65 6c 6c 2e 20 |...... a|s well. |
|00001410| 20 44 65 66 69 6e 65 64 | 20 43 6f 6e 74 72 69 62 | Defined| Contrib|
|00001420| 75 74 69 6f 6e 20 70 6c | 61 6e 73 20 63 61 6e 20 |ution pl|ans can |
|00001430| 74 61 6b 65 20 6f 6e 20 | 61 20 76 61 72 69 2d 20 |take on |a vari- |
|00001440| ba b3 ff 05 b3 ba 20 65 | 74 79 20 6f 66 20 66 6f |...... e|ty of fo|
|00001450| 72 6d 73 3a ff 2c ba b3 | ff 05 b3 ba ff 3a ba b3 |rms:.,..|.....:..|
|00001460| ff 05 b3 ba ff 0c fd 4e | 4d fd f2 4f 4e 45 59 2d |.......N|M..ONEY-|
|00001470| 50 55 52 43 48 41 53 45 | 20 50 45 4e 53 49 4f 4e |PURCHASE| PENSION|
|00001480| ff 0e fd f0 ff 0a ba b3 | ff 05 b3 ba ff 0c fd f2 |........|........|
|00001490| ff 24 fd f0 ff 0a ba b3 | ff 05 b3 ba ff 0c fd 4e |.$......|.......N|
|000014a0| 50 fd f2 52 4f 46 49 54 | 2d 53 48 41 52 49 4e 47 |P..ROFIT|-SHARING|
|000014b0| 20 50 4c 41 4e ff 11 fd | f0 ff 0a ba b3 ff 05 b3 | PLAN...|........|
|000014c0| ba ff 0c fd f2 ff 24 fd | f0 ff 0a ba b3 ff 05 b3 |......$.|........|
|000014d0| ba ff 0c fd 4e 45 fd f2 | 4d 50 4c 4f 59 45 45 20 |....NE..|MPLOYEE |
|000014e0| 53 54 4f 43 4b 20 4f 57 | 4e 45 52 53 48 49 50 20 |STOCK OW|NERSHIP |
|000014f0| 50 4c 41 4e 20 28 45 53 | 4f 50 29 fd f0 ff 0a ba |PLAN (ES|OP).....|
|00001500| b3 ff 05 b3 ba ff 0c fd | f2 ff 24 fd f0 ff 0a ba |........|..$.....|
|00001510| b3 ff 05 b3 ba ff 0c fd | 4e 53 fd f2 49 4d 50 4c |........|NS..IMPL|
|00001520| 49 46 49 45 44 20 45 4d | 50 4c 4f 59 45 45 20 50 |IFIED EM|PLOYEE P|
|00001530| 45 4e 53 49 4f 4e 20 28 | 53 45 50 29 ff 03 fd f0 |ENSION (|SEP)....|
|00001540| ff 0a ba b3 ff 05 b3 ba | ff 3a ba b3 ff 05 b3 ba |........|.:......|
|00001550| 20 54 68 65 73 65 20 61 | 72 65 20 61 6c 6c 20 64 | These a|re all d|
|00001560| 69 66 66 65 72 65 6e 74 | 20 77 61 79 73 20 69 6e |ifferent| ways in|
|00001570| 20 77 68 69 63 68 20 79 | 6f 75 72 20 65 6d 70 6c | which y|our empl|
|00001580| 6f 79 65 72 20 63 61 6e | 20 20 ba b3 ff 05 b3 ba |oyer can| ......|
|00001590| 20 74 61 69 6c 6f 72 20 | 79 6f 75 72 20 63 6f 6d | tailor |your com|
|000015a0| 70 61 6e 79 27 73 20 44 | 65 66 69 6e 65 64 20 43 |pany's D|efined C|
|000015b0| 6f 6e 74 72 69 62 75 74 | 69 6f 6e 20 70 6c 61 6e |ontribut|ion plan|
|000015c0| 2e ff 09 ba b3 ff 05 b3 | ba ff 3a ba b3 20 fd e3 |........|..:.. ..|
|000015d0| f8 ff 05 fd fe dc ff 06 | fd f0 ff 25 fd 0a 20 4d |........|...%.. M|
|000015e0| 6f 6e 65 79 20 fd e6 54 | fd 0a 69 70 20 fd f0 ff |oney ..T|..ip ...|
|000015f0| 03 ba b3 20 fd e4 bf fd | e3 3a 20 20 fa 20 20 07 |... ....|.: . .|
|00001600| fd fe dc ff 03 fd f0 ff | 2a fd f9 da fe c4 09 d0 |........|*.......|
|00001610| c1 c4 fd e4 b3 fd e3 20 | 20 2e ff 06 fd 9e dc ff |....... | .......|
|00001620| 2a fd 9f 20 b3 ff 0c 00 | 00 01 00 02 00 0f 00 15 |*.. ....|........|
|00001630| 00 4c 00 be 09 52 9c a3 | 02 2f da fe c4 0e 20 54 |.L...R..|./.... T|
|00001640| 48 45 20 44 45 46 49 4e | 45 44 20 43 4f 4e 54 52 |HE DEFIN|ED CONTR|
|00001650| 49 42 55 54 49 4f 4e 20 | 4b 45 4f 47 48 20 fe c4 |IBUTION |KEOGH ..|
|00001660| 0e bf b3 ff 3c b3 b3 ff | 3c b3 b3 20 43 6f 6d 65 |....<...|<.. Come|
|00001670| 73 20 69 6e 20 74 77 6f | 20 66 6f 72 6d 73 3a ff |s in two| forms:.|
|00001680| 28 b3 b3 ff 3c b3 b3 ff | 3c b3 b3 fd 2e 20 54 48 |(...<...|<.... TH|
|00001690| 45 20 50 52 4f 46 49 54 | 20 53 48 41 52 49 4e 47 |E PROFIT| SHARING|
|000016a0| 20 46 4f 52 4d 55 4c 41 | 20 fd 2f 20 b3 fd 2e 20 | FORMULA| ./ ... |
|000016b0| 54 48 45 20 4d 4f 4e 45 | 59 2d 50 55 52 43 48 41 |THE MONE|Y-PURCHA|
|000016c0| 53 45 20 50 45 4e 53 49 | 4f 4e 20 20 fd 2f 20 b3 |SE PENSI|ON ./ .|
|000016d0| b3 ff 1d b3 ff 1e b3 b3 | 20 43 6f 6e 74 72 69 62 |........| Contrib|
|000016e0| 75 74 69 6f 6e 73 20 63 | 61 6e 20 72 61 6e 67 65 |utions c|an range|
|000016f0| ff 05 b3 20 59 6f 75 20 | 63 61 6e 20 63 6f 6e 74 |... You |can cont|
|00001700| 72 69 62 75 74 65 20 61 | 6e 64 ff 07 b3 b3 20 66 |ribute a|nd.... f|
|00001710| 72 6f 6d 20 30 25 20 6f | 66 20 70 72 6f 66 69 74 |rom 0% o|f profit|
|00001720| 73 20 74 6f 20 74 68 65 | ff 03 b3 20 64 65 64 75 |s to the|... dedu|
|00001730| 63 74 20 32 30 25 20 6f | 66 20 6e 65 74 20 65 61 |ct 20% o|f net ea|
|00001740| 72 6e 69 6e 67 73 ff 03 | b3 b3 20 6c 65 73 73 65 |rnings..|.. lesse|
|00001750| 72 20 6f 66 20 31 33 25 | 20 6f 66 20 70 72 6f 66 |r of 13%| of prof|
|00001760| 69 74 73 20 6f 72 20 b3 | 20 6f 72 20 75 70 20 74 |its or .| or up t|
|00001770| 6f 20 24 33 30 2c fe 30 | 03 20 61 6e 6e 75 61 6c |o $30,.0|. annual|
|00001780| 6c 79 ff 04 b3 b3 20 24 | 33 30 2c fe 30 03 20 61 |ly.... $|30,.0. a|
|00001790| 6e 64 20 79 6f 75 20 63 | 61 6e 20 70 69 63 6b 20 |nd you c|an pick |
|000017a0| 61 20 20 b3 20 28 32 35 | 25 20 69 66 20 79 6f 75 |a . (25|% if you|
|000017b0| 20 63 61 6c 63 75 6c 61 | 74 65 20 74 68 65 ff 04 | calcula|te the..|
|000017c0| b3 b3 20 64 69 66 66 65 | 72 65 6e 74 20 70 65 72 |.. diffe|rent per|
|000017d0| 63 65 6e 74 20 65 61 63 | 68 20 79 65 61 72 20 b3 |cent eac|h year .|
|000017e0| 20 70 65 72 63 65 6e 74 | 20 61 66 74 65 72 20 64 | percent| after d|
|000017f0| 65 64 75 63 74 69 6e 67 | 20 74 68 65 20 20 b3 b3 |educting| the ..|
|00001800| 20 6f 72 20 6e 6f 74 20 | 63 6f 6e 74 72 69 62 75 | or not |contribu|
|00001810| 74 65 20 61 74 20 61 6c | 6c ff 04 b3 20 63 6f 6e |te at al|l... con|
|00001820| 74 72 69 62 75 74 69 6f | 6e 29 3b 20 62 75 74 20 |tributio|n); but |
|00001830| 79 6f 75 72 20 70 65 72 | 2d 20 b3 b3 20 77 69 74 |your per|- .. wit|
|00001840| 68 6f 75 74 20 69 6e 63 | 75 72 72 69 6e 67 20 70 |hout inc|urring p|
|00001850| 65 6e 61 6c 74 69 65 73 | 20 b3 20 63 65 6e 74 61 |enalties| . centa|
|00001860| 67 65 20 6d 75 73 74 20 | 62 65 20 74 68 65 20 73 |ge must |be the s|
|00001870| 61 6d 65 ff 05 b3 b3 20 | 61 73 20 77 69 74 68 20 |ame.... |as with |
|00001880| 74 68 65 20 6d 6f 6e 65 | 79 2d 70 75 72 63 68 61 |the mone|y-purcha|
|00001890| 73 65 20 20 b3 20 65 76 | 65 72 79 20 79 65 61 72 |se . ev|ery year|
|000018a0| 20 65 76 65 6e 20 69 66 | 20 79 6f 75 20 73 68 6f | even if| you sho|
|000018b0| 77 20 20 b3 b3 20 70 65 | 6e 73 69 6f 6e 2e ff 14 |w .. pe|nsion...|
|000018c0| b3 20 61 20 6c 6f 73 73 | 2e ff 16 b3 b3 ff 1d b3 |. a loss|........|
|000018d0| ff 1e b3 b3 ff 3c b3 c0 | fe c4 3c d9 00 00 01 00 |.....<..|..<.....|
|000018e0| 00 00 00 00 17 00 4f 00 | d4 5d 39 8c 6d 03 f2 20 |......O.|.]9.m.. |
|000018f0| db db dc ff 06 fd f0 ff | 1f 52 45 54 49 52 45 4d |........|.RETIREM|
|00001900| 45 4e 54 ff 1d fd f2 20 | 20 fe db 03 ff 04 dc db |ENT.... | .......|
|00001910| df fd f0 ff 44 fd f2 ff | 03 df db db fd 24 4f fd |....D...|.....$O.|
|00001920| f2 dc db db df fd f0 ff | 07 54 68 65 20 55 6e 69 |........|.The Uni|
|00001930| 74 65 64 20 53 74 61 74 | 65 73 27 20 72 65 74 69 |ted Stat|es' reti|
|00001940| 72 65 6d 65 6e 74 20 66 | 69 6e 61 6e 63 69 6e 67 |rement f|inancing|
|00001950| 20 73 79 73 74 65 6d 20 | 69 73 20 6c 69 6b 65 20 | system |is like |
|00001960| 61 ff 06 fd f2 df fe db | 04 fd 24 4f fd 22 db fd |a.......|..$O."..|
|00001970| 24 4f fd f2 db 20 20 fd | f0 ff 07 74 68 72 65 65 |$O... .|...three|
|00001980| 2d 6c 65 67 67 65 64 20 | 73 74 6f 6f 6c 20 77 69 |-legged |stool wi|
|00001990| 74 68 ff 28 fd f2 20 df | df fd 4a cd cd fd f2 20 |th.(.. .|..J.... |
|000019a0| df fe db 03 dc fd f0 ff | 11 fd f9 20 20 fe 5f 1b |........|... ._.|
|000019b0| 20 fd f0 ff 16 fd f2 20 | 20 fd f4 dc fd 4a cd cd | ...... | ....J..|
|000019c0| fd f0 ff 04 fd f2 df db | fd f0 ff 11 fd f9 20 28 |........|...... (|
|000019d0| fe 5f 1b 29 fd f0 ff 16 | fd f6 20 dc fd 4a cd cd |._.)....|.. ..J..|
|000019e0| fd f0 ff 18 fd f9 ff 03 | ba ff 0b ba ff 0b ba 20 |........|....... |
|000019f0| 20 fd f0 ff 16 fd f6 20 | fd 4a cd cd fd f0 ff 19 | ...... |.J......|
|00001a00| fd f9 ff 03 cc fe cd 0b | ce fe cd 0b b9 20 20 fd |........|..... .|
|00001a10| f0 ff 17 fd 4a cd cd fd | f0 ff 19 fd f9 ff 03 ba |....J...|........|
|00001a20| ff 0b ba ff 0b ba 20 20 | fd f0 ff 16 fd f4 dc fd |...... |........|
|00001a30| 4a cd cd fd f0 ff 19 fd | f9 ff 03 ba ff 0b ba ff |J.......|........|
|00001a40| 0b ba 20 20 fd f0 ff 16 | fd 4a cd cd fd f0 ff 1a |.. ....|.J......|
|00001a50| fd f9 ff 03 ba ff 0b ba | ff 0b ba 20 20 fd f0 ff |........|... ...|
|00001a60| 15 fd f4 dc fd 4a cd cd | fd f0 ff 1a fd f9 ff 03 |.....J..|........|
|00001a70| ba ff 0b d0 ff 0b ba 20 | 20 fd f0 ff 15 fd 4a cd |....... | .....J.|
|00001a80| cd fd f0 ff 1e fd f9 d0 | fd f0 ff 04 fd ce 53 fd |........|......S.|
|00001a90| f0 6f 63 69 61 6c 20 53 | 65 63 75 72 69 74 79 2c |.ocial S|ecurity,|
|00001aa0| ff 03 fd f9 d0 fd f0 ff | 17 fd 4a cd cd fd f0 ff |........|..J.....|
|00001ab0| 11 59 6f 75 72 20 63 6f | 6d 70 61 6e 79 27 73 ff |.Your co|mpany's.|
|00001ac0| 16 59 6f 75 72 20 6f 77 | 6e 2c 20 70 72 65 66 65 |.Your ow|n, prefe|
|00001ad0| 72 61 62 6c 79 ff 05 fd | 4a cd cd fd f0 ff 11 fd |rably...|J.......|
|00001ae0| ce 52 fd f0 65 74 69 72 | 65 6d 65 6e 74 20 70 6c |.R..etir|ement pl|
|00001af0| 61 6e 73 ff 07 61 6e 64 | ff 0a fd ce 54 fd f0 61 |ans..and|....T..a|
|00001b00| 78 2d 64 65 66 65 72 72 | 65 64 20 73 61 76 69 6e |x-deferr|ed savin|
|00001b10| 67 73 ff 05 fd 4a cd cd | fd f0 ff 4e fd 4a cd cd |gs...J..|...N.J..|
|00001b20| fd f0 ff 1f 6d 61 6b 65 | 20 75 70 20 74 68 65 20 |....make| up the |
|00001b30| 74 68 72 65 65 20 6c 65 | 67 73 2e ff 18 fd 4a cd |three le|gs....J.|
|00001b40| cd fd f0 c2 ff 4d fd 4a | cd cd fd f0 20 5c ff 0e |.....M.J|.... \..|
|00001b50| 49 66 20 79 6f 75 20 61 | 72 65 20 6c 69 6b 65 20 |If you a|re like |
|00001b60| 6d 6f 73 74 20 41 6d 65 | 72 69 63 61 6e 73 20 74 |most Ame|ricans t|
|00001b70| 6f 64 61 79 2c 20 79 6f | 75 72 20 72 65 74 69 72 |oday, yo|ur retir|
|00001b80| 65 6d 65 6e 74 ff 09 fd | 4a cd cd fd f0 20 20 c6 |ement...|J.... .|
|00001b90| fe cd 03 d1 ff 09 69 6e | 63 6f 6d 65 20 77 69 6c |......in|come wil|
|00001ba0| 6c 20 6f 72 69 67 69 6e | 61 74 65 20 66 72 6f 6d |l origin|ate from|
|00001bb0| 20 61 74 20 6c 65 61 73 | 74 20 6f 6e 65 20 6f 66 | at leas|t one of|
|00001bc0| 20 74 68 65 73 65 20 73 | 6f 75 72 63 65 73 ff 06 | these s|ources..|
|00001bd0| fd 4a cd cd fd f0 5f 2f | fe 2d 05 5c 5f ff 07 61 |.J...._/|.-.\_..a|
|00001be0| 6e 64 2c 20 61 73 20 61 | 20 67 6f 61 6c 2c 20 61 |nd, as a| goal, a|
|00001bf0| 6c 6c 20 74 68 72 65 65 | 2e ff 24 fd 4a cd cd fd |ll three|..$.J...|
|00001c00| 9b b0 20 b0 20 b0 20 b0 | 20 b0 fd e9 f0 fd e3 20 |.. . . .| ...... |
|00001c10| f8 ff 05 fd fe dc ff 05 | fd f0 ff 37 fd e4 fe c4 |........|...7....|
|00001c20| 0d bf fd e3 3a 20 20 fa | 20 20 07 fd fe dc 20 20 |....: .| .... |
|00001c30| fd f0 ff 2b fd f9 da fe | c4 0c fd e4 ff 0d b3 fd |...+....|........|
|00001c40| e3 20 20 2e ff 06 fd 9e | dc ff 2a fd 9f 20 b3 20 |. .....|..*.. . |
|00001c50| 45 58 49 54 20 3c 45 73 | 63 3e 20 00 00 01 00 00 |EXIT <Es|c> .....|
|00001c60| 00 0d 00 17 00 4f 00 be | 2d 71 8c f0 02 f0 ff 0b |.....O..|-q......|
|00001c70| 57 48 45 52 45 20 43 41 | 4e 20 59 4f 55 20 49 4e |WHERE CA|N YOU IN|
|00001c80| 56 45 53 54 20 59 4f 55 | 52 20 54 41 58 2d 44 45 |VEST YOU|R TAX-DE|
|00001c90| 46 45 52 52 45 44 20 53 | 41 56 49 4e 47 53 3f ff |FERRED S|AVINGS?.|
|00001ca0| 4f 54 68 65 20 6d 6f 73 | 74 20 62 61 73 69 63 20 |OThe mos|t basic |
|00001cb0| 6b 69 6e 64 20 6f 66 20 | 74 61 78 2d 64 65 66 65 |kind of |tax-defe|
|00001cc0| 72 72 65 64 20 69 6e 76 | 65 73 74 6d 65 6e 74 20 |rred inv|estment |
|00001cd0| 61 63 63 6f 75 6e 74 20 | 69 73 20 74 68 65 3a ff |account |is the:.|
|00001ce0| 53 fd f2 20 20 fd 4e 49 | fd f2 4e 44 49 56 49 44 |S.. .NI|..NDIVID|
|00001cf0| 55 41 4c 20 52 45 54 49 | 52 45 4d 45 4e 54 20 41 |UAL RETI|REMENT A|
|00001d00| 43 43 4f 55 4e 54 20 2d | 20 49 52 41 20 fd f0 ff |CCOUNT -| IRA ...|
|00001d10| 55 49 66 20 79 6f 75 20 | 61 72 65 20 73 65 6c 66 |UIf you |are self|
|00001d20| 2d 65 6d 70 6c 6f 79 65 | 64 20 6f 72 20 77 6f 72 |-employe|d or wor|
|00001d30| 6b 20 66 6f 72 20 61 20 | 73 65 6c 66 2d 65 6d 70 |k for a |self-emp|
|00001d40| 6c 6f 79 65 64 20 70 65 | 72 73 6f 6e 2c ff 07 79 |loyed pe|rson,..y|
|00001d50| 6f 75 20 63 61 6e 20 74 | 61 6b 65 20 61 64 76 61 |ou can t|ake adva|
|00001d60| 6e 74 61 67 65 20 6f 66 | 20 61 3a ff 6d fd f2 20 |ntage of| a:.m.. |
|00001d70| 20 fd 4e 4b fd f2 45 4f | 47 48 20 50 4c 41 4e 20 | .NK..EO|GH PLAN |
|00001d80| 20 fd f0 6f 72 20 61 fd | f2 20 20 53 49 4d 50 4c | ..or a.|. SIMPL|
|00001d90| 49 46 49 45 44 20 fd 4e | 45 fd f2 4d 50 4c 4f 59 |IFIED .N|E..MPLOY|
|00001da0| 45 45 20 50 45 4e 53 49 | 4f 4e 20 2d 20 53 45 50 |EE PENSI|ON - SEP|
|00001db0| 20 fd f0 ff 4d 6f 72 2c | 20 79 6f 75 20 63 6f 75 | ...Mor,| you cou|
|00001dc0| 6c 64 20 75 72 67 65 20 | 79 6f 75 72 20 65 6d 70 |ld urge |your emp|
|00001dd0| 6c 6f 79 65 72 20 74 6f | 20 65 73 74 61 62 6c 69 |loyer to| establi|
|00001de0| 73 68 20 61 3a ff 43 fd | f4 20 fd f0 ff 1c fd f2 |sh a:.C.|. ......|
|00001df0| 20 20 fd 4e 53 fd f2 41 | 4c 41 52 59 20 52 45 44 | .NS..A|LARY RED|
|00001e00| 55 43 54 49 4f 4e 20 53 | 41 56 49 4e 47 53 20 50 |UCTION S|AVINGS P|
|00001e10| 4c 41 4e 20 2d 20 34 30 | 31 4b 20 fd f0 ff 55 49 |LAN - 40|1K ...UI|
|00001e20| 66 20 79 6f 75 20 61 72 | 65 20 61 20 74 65 61 63 |f you ar|e a teac|
|00001e30| 68 65 72 20 6f 72 20 77 | 6f 72 6b 20 66 6f 72 20 |her or w|ork for |
|00001e40| 61 20 6e 6f 6e 2d 70 72 | 6f 66 69 74 20 6f 72 67 |a non-pr|ofit org|
|00001e50| 61 6e 69 7a 61 74 69 6f | 6e 2c ff 08 79 6f 75 20 |anizatio|n,..you |
|00001e60| 63 61 6e 20 65 6e 72 6f | 6c 6c 20 69 6e 20 61 3a |can enro|ll in a:|
|00001e70| ff 7c fd f2 20 20 fd 4e | 54 fd f2 41 58 20 53 48 |.|.. .N|T..AX SH|
|00001e80| 45 4c 54 45 52 45 44 20 | 41 4e 4e 55 49 54 59 20 |ELTERED |ANNUITY |
|00001e90| 2d 20 54 53 41 20 fd f0 | 6f 72 fd f2 20 34 30 33 |- TSA ..|or.. 403|
|00001ea0| 28 62 29 20 fd f0 ff 54 | 59 6f 75 20 63 61 6e 20 |(b) ...T|You can |
|00001eb0| 61 6c 73 6f 20 65 73 74 | 61 62 6c 69 73 68 20 61 |also est|ablish a|
|00001ec0| 20 54 61 78 20 53 68 65 | 6c 74 65 72 65 64 20 41 | Tax She|ltered A|
|00001ed0| 6e 6e 75 69 74 79 20 28 | 54 53 41 29 20 77 69 74 |nnuity (|TSA) wit|
|00001ee0| 68 20 61 6e ff 04 fd e3 | f8 20 fd ef df fd f0 69 |h an....|. .....i|
|00001ef0| 6e 73 75 72 61 6e 63 65 | 20 63 6f 6d 70 61 6e 79 |nsurance| company|
|00001f00| 20 28 73 65 65 20 50 72 | 6f 64 75 63 74 73 29 20 | (see Pr|oducts) |
|00001f10| 6e 6f 20 6d 61 74 74 65 | 72 20 77 68 61 74 20 6f |no matte|r what o|
|00001f20| 74 68 65 72 20 70 6c 61 | 6e 28 73 29 ff 03 fd e4 |ther pla|n(s)....|
|00001f30| bf fd e3 3a 20 fd f0 79 | 6f 75 20 68 61 76 65 2e |...: ..y|ou have.|
|00001f40| ff 2a fd f9 da fe c4 0c | fd e4 b3 fd e3 20 20 2e |.*......|..... .|
|00001f50| ff 06 fd 9e dc ff 2a fd | 9f 20 b3 ff 0c 00 00 01 |......*.|. ......|
|00001f60| 00 01 00 0e 00 17 00 4e | 00 48 b4 71 8c c0 03 f0 |.......N|.H.q....|
|00001f70| da fe c4 0a 57 48 41 54 | 20 41 52 45 20 54 48 45 |....WHAT| ARE THE|
|00001f80| 20 56 45 48 49 43 4c 45 | 53 20 46 4f 52 20 59 4f | VEHICLE|S FOR YO|
|00001f90| 55 52 20 41 43 43 4f 55 | 4e 54 28 53 29 3f fe c4 |UR ACCOU|NT(S)?..|
|00001fa0| 0a bf 20 b3 ff 3e b3 20 | b3 20 41 6e 20 49 52 41 |.. ..>. |. An IRA|
|00001fb0| 20 6f 72 20 61 20 4b 65 | 6f 67 68 20 70 6c 61 6e | or a Ke|ogh plan|
|00001fc0| 20 61 6c 6c 6f 77 20 79 | 6f 75 20 74 6f 20 68 6f | allow y|ou to ho|
|00001fd0| 6c 64 20 61 6c 6c 20 62 | 75 74 20 74 68 65 20 6d |ld all b|ut the m|
|00001fe0| 6f 73 74 ff 04 b3 20 b3 | 20 73 70 65 63 75 6c 61 |ost... .| specula|
|00001ff0| 74 69 76 65 20 69 6e 76 | 65 73 74 6d 65 6e 74 20 |tive inv|estment |
|00002000| 76 65 68 69 63 6c 65 73 | 20 74 68 61 74 20 68 61 |vehicles| that ha|
|00002010| 76 65 20 62 65 65 6e 20 | 64 72 65 61 6d 65 64 20 |ve been |dreamed |
|00002020| 75 70 ff 04 b3 20 b3 20 | 62 79 20 57 61 6c 6c 20 |up... . |by Wall |
|00002030| 53 74 72 65 65 74 2e 20 | 20 41 74 20 74 68 65 20 |Street. | At the |
|00002040| 70 72 65 73 65 6e 74 20 | 74 69 6d 65 2c 20 61 6e |present |time, an|
|00002050| 74 69 71 75 65 73 2c 20 | 63 6f 6c 6c 65 63 74 69 |tiques, |collecti|
|00002060| 62 6c 65 73 20 b3 20 b3 | 20 61 6e 64 20 72 61 72 |bles . .| and rar|
|00002070| 65 20 63 6f 69 6e 73 20 | 61 72 65 20 6e 6f 74 20 |e coins |are not |
|00002080| 61 6c 6c 6f 77 65 64 2e | ff 1e b3 20 b3 ff 3e b3 |allowed.|... ..>.|
|00002090| 20 b3 20 4c 6f 6f 6b 20 | 61 74 20 74 68 65 20 54 | . Look |at the T|
|000020a0| 75 74 6f 72 69 61 6c 73 | 20 6f 6e 20 64 69 66 66 |utorials| on diff|
|000020b0| 65 72 65 6e 74 20 69 6e | 76 65 73 74 6d 65 6e 74 |erent in|vestment|
|000020c0| 20 76 65 68 69 63 6c 65 | 73 2e 20 41 6c 73 6f 20 | vehicle|s. Also |
|000020d0| b3 20 b3 20 73 65 65 20 | 49 6e 76 65 73 74 69 6e |. . see |Investin|
|000020e0| 67 20 42 61 73 69 63 73 | 20 74 75 74 6f 72 69 61 |g Basics| tutoria|
|000020f0| 6c 20 74 6f 20 6c 65 61 | 72 6e 20 61 62 6f 75 74 |l to lea|rn about|
|00002100| 20 fd ce 72 fd f0 69 73 | 6b 20 61 6e 64 20 72 65 | ..r..is|k and re|
|00002110| 74 75 72 6e 20 b3 20 b3 | 20 77 68 69 63 68 20 77 |turn . .| which w|
|00002120| 69 6c 6c 20 68 65 6c 70 | 20 79 6f 75 20 64 65 74 |ill help| you det|
|00002130| 65 72 6d 69 6e 65 20 77 | 68 65 74 68 65 72 20 6f |ermine w|hether o|
|00002140| 72 20 6e 6f 74 20 74 68 | 65 20 76 65 68 69 63 6c |r not th|e vehicl|
|00002150| 65 20 66 69 74 73 b3 20 | b3 20 69 6e 20 77 69 74 |e fits. |. in wit|
|00002160| 68 20 79 6f 75 72 20 70 | 72 65 66 65 72 65 6e 63 |h your p|referenc|
|00002170| 65 73 2e ff 24 b3 20 b3 | ff 3e b3 20 b3 20 41 20 |es..$. .|.>. . A |
|00002180| 34 30 31 4b 20 63 61 6e | 20 62 65 20 6c 69 6d 69 |401K can| be limi|
|00002190| 74 65 64 20 74 6f 20 79 | 6f 75 72 20 63 6f 6d 70 |ted to y|our comp|
|000021a0| 61 6e 79 27 73 20 6f 77 | 6e 20 69 6e 76 65 73 74 |any's ow|n invest|
|000021b0| 6d 65 6e 74 ff 07 b3 20 | b3 20 70 72 65 66 65 72 |ment... |. prefer|
|000021c0| 65 6e 63 65 73 20 6f 72 | 20 79 6f 75 72 20 63 6f |ences or| your co|
|000021d0| 6d 70 61 6e 79 20 6d 61 | 79 20 61 6c 6c 6f 77 20 |mpany ma|y allow |
|000021e0| 79 6f 75 20 61 73 20 6d | 75 63 68 20 66 72 65 65 |you as m|uch free|
|000021f0| 64 6f 6d ff 04 b3 20 b3 | 20 61 73 20 77 69 74 68 |dom... .| as with|
|00002200| 20 61 20 73 65 6c 66 2d | 64 69 72 65 63 74 65 64 | a self-|directed|
|00002210| 20 49 52 41 2e ff 21 b3 | 20 b3 ff 3e b3 20 b3 20 | IRA..!.| ..>. . |
|00002220| 54 53 41 27 73 20 6f 72 | 20 34 30 33 28 62 29 20 |TSA's or| 403(b) |
|00002230| 70 6c 61 6e 73 20 61 72 | 65 20 67 65 6e 65 72 61 |plans ar|e genera|
|00002240| 6c 6c 79 20 6c 69 6d 69 | 74 65 64 20 74 6f 20 6d |lly limi|ted to m|
|00002250| 6f 72 65 20 63 6f 6e 73 | 65 72 2d 20 20 b3 20 b3 |ore cons|er- . .|
|00002260| 20 76 61 74 69 76 65 20 | 6d 75 74 75 61 6c 20 66 | vative |mutual f|
|00002270| 75 6e 64 73 20 6f 72 20 | 69 6e 73 75 72 61 6e 63 |unds or |insuranc|
|00002280| 65 20 63 6f 6d 70 61 6e | 79 20 61 6e 6e 75 69 74 |e compan|y annuit|
|00002290| 69 65 73 2e 20 20 34 30 | 33 28 62 29 20 20 b3 20 |ies. 40|3(b) . |
|000022a0| b3 20 61 6c 73 6f 20 63 | 6f 6d 65 73 20 69 6e 20 |. also c|omes in |
|000022b0| 66 69 78 65 64 20 72 61 | 74 65 20 76 65 72 73 75 |fixed ra|te versu|
|000022c0| 73 20 76 61 72 69 61 62 | 6c 65 20 72 61 74 65 20 |s variab|le rate |
|000022d0| 66 6f 72 6d 75 6c 61 73 | 2e ff 06 b3 20 b3 ff 3e |formulas|.... ..>|
|000022e0| b3 20 fd e3 20 fd ef df | fd f0 ff 30 fd 0a 20 4d |. .. ...|...0.. M|
|000022f0| 6f 6e 65 79 20 fd e4 54 | fd 0a 69 70 20 fd f0 20 |oney ..T|..ip .. |
|00002300| 20 b3 20 fd e3 3a 20 20 | fa 20 20 07 fd fe dc 20 | . ..: |. .... |
|00002310| 20 fd f0 ff 2b fd f9 da | fe c4 09 c1 c4 fd e3 20 | ...+...|....... |
|00002320| 20 2e ff 06 fd 9e dc ff | 2a fd 9f 20 b3 ff 0b 00 | .......|*.. ....|
|00002330| 00 01 00 02 00 0f 00 16 | 00 4c 00 78 db 71 8c 6d |........|.L.x.q.m|
|00002340| 02 2f da fe c4 11 20 54 | 48 45 20 44 45 46 49 4e |./.... T|HE DEFIN|
|00002350| 45 44 20 42 45 4e 45 46 | 49 54 20 4b 45 4f 47 48 |ED BENEF|IT KEOGH|
|00002360| 20 fe c4 10 bf b3 ff 3c | b3 b3 20 20 54 68 65 20 | ......<|.. The |
|00002370| 44 65 66 69 6e 65 64 20 | 42 65 6e 65 66 69 74 20 |Defined |Benefit |
|00002380| 4b 65 6f 67 68 20 69 73 | 20 6d 6f 72 65 20 68 65 |Keogh is| more he|
|00002390| 61 76 69 6c 79 20 6d 6f | 6e 69 74 6f 72 65 64 20 |avily mo|nitored |
|000023a0| 62 79 ff 04 b3 b3 20 20 | 74 68 65 20 49 52 53 20 |by.... |the IRS |
|000023b0| 74 68 61 6e 20 6f 74 68 | 65 72 20 4b 65 6f 67 68 |than oth|er Keogh|
|000023c0| 20 70 6c 61 6e 73 2e ff | 1b b3 b3 ff 3c b3 b3 20 | plans..|....<.. |
|000023d0| 20 49 74 20 69 73 20 69 | 64 65 61 6c 20 66 6f 72 | It is i|deal for|
|000023e0| 20 74 68 65 20 72 61 70 | 69 64 20 65 73 74 61 62 | the rap|id estab|
|000023f0| 6c 69 73 68 6d 65 6e 74 | 20 6f 66 20 61 20 70 65 |lishment| of a pe|
|00002400| 6e 73 69 6f 6e 2e ff 05 | b3 b3 ff 3c b3 b3 20 20 |nsion...|...<.. |
|00002410| 59 6f 75 20 74 61 72 67 | 65 74 20 74 68 65 20 61 |You targ|et the a|
|00002420| 6d 6f 75 6e 74 20 79 6f | 75 20 77 61 6e 74 20 69 |mount yo|u want i|
|00002430| 6e 20 79 6f 75 72 20 66 | 69 6e 61 6c 20 4b 65 6f |n your f|inal Keo|
|00002440| 67 68 ff 08 b3 b3 20 20 | 61 63 63 6f 75 6e 74 2e |gh.... |account.|
|00002450| 20 20 43 6f 6e 74 72 69 | 62 75 74 69 6f 6e 73 20 | Contri|butions |
|00002460| 61 72 65 20 75 73 75 61 | 6c 6c 79 20 6c 69 6d 69 |are usua|lly limi|
|00002470| 74 65 64 20 74 6f 20 79 | 6f 75 72 20 68 69 67 68 |ted to y|our high|
|00002480| 2d 20 b3 b3 20 20 65 73 | 74 20 70 61 79 20 69 6e |- .. es|t pay in|
|00002490| 20 74 68 72 65 65 20 63 | 6f 6e 73 65 63 75 74 69 | three c|onsecuti|
|000024a0| 76 65 20 79 65 61 72 73 | 2e ff 17 b3 b3 ff 3c b3 |ve years|......<.|
|000024b0| b3 20 20 45 61 63 68 20 | 79 65 61 72 20 79 6f 75 |. Each |year you|
|000024c0| 20 6d 75 73 74 20 66 69 | 6c 65 20 61 20 63 6f 6d | must fi|le a com|
|000024d0| 70 72 65 68 65 6e 73 69 | 76 65 20 72 65 70 6f 72 |prehensi|ve repor|
|000024e0| 74 20 74 6f 20 74 68 65 | 20 49 52 53 20 b3 b3 20 |t to the| IRS .. |
|000024f0| 20 61 6e 64 20 69 66 20 | 79 6f 75 20 68 61 76 65 | and if |you have|
|00002500| 20 61 6e 79 20 66 75 6c | 6c 2d 74 69 6d 65 20 65 | any ful|l-time e|
|00002510| 6d 70 6c 6f 79 65 65 73 | 2c 20 77 69 74 68 20 61 |mployees|, with a|
|00002520| 74 20 6c 65 61 73 74 ff | 04 b3 b3 20 20 74 68 72 |t least.|... thr|
|00002530| 65 65 20 79 65 61 72 73 | 20 6f 66 20 73 65 72 76 |ee years| of serv|
|00002540| 69 63 65 2c 20 79 6f 75 | 20 6d 75 73 74 20 69 6e |ice, you| must in|
|00002550| 63 6c 75 64 65 20 74 68 | 65 6d 20 69 6e 20 79 6f |clude th|em in yo|
|00002560| 75 72 ff 05 b3 b3 20 20 | 44 65 66 69 6e 65 64 20 |ur.... |Defined |
|00002570| 42 65 6e 65 66 69 74 20 | 4b 65 6f 67 68 2e ff 24 |Benefit |Keogh..$|
|00002580| b3 b3 ff 3c b3 b3 ff 30 | fd 0a 20 4d 6f 6e 65 79 |...<...0|.. Money|
|00002590| 20 fd e4 54 fd 0a 69 70 | 20 fd 2f 20 b3 b3 ff 3c | ..T..ip| ./ ...<|
|000025a0| b3 b3 ff 3c b3 b3 ff 3c | b3 c0 fe c4 3c d9 00 00 |...<...<|....<...|
|000025b0| 01 00 02 00 0f 00 17 00 | 4e 00 a8 95 71 8c 37 03 |........|N...q.7.|
|000025c0| 2f ff 11 52 49 53 4b 20 | 2d 20 52 45 57 41 52 44 |/..RISK |- REWARD|
|000025d0| 20 28 52 45 54 55 52 4e | 29 20 43 48 41 52 54 ff | (RETURN|) CHART.|
|000025e0| 11 fd f0 b3 20 fd 2e 20 | 20 4c 4f 57 45 53 54 ff |.... .. | LOWEST.|
|000025f0| 08 4c 4f 57 ff 09 4d 45 | 44 49 55 4d ff 08 48 49 |.LOW..ME|DIUM..HI|
|00002600| 47 48 ff 07 48 49 47 48 | 45 53 54 20 20 fd f0 b3 |GH..HIGH|EST ...|
|00002610| 20 fd 2f fe cd 0a d1 fe | cd 0d d1 fe cd 0d d1 fe | ./.....|........|
|00002620| cd 0b d1 fe cd 0b fd f0 | b3 20 fd 2f 20 54 72 65 |........|. ./ Tre|
|00002630| 61 73 75 72 79 20 b3 20 | 20 42 61 6e 6b 20 43 44 |asury . | Bank CD|
|00002640| 73 ff 03 b3 20 20 43 6f | 72 70 6f 72 61 74 65 20 |s... Co|rporate |
|00002650| 20 b3 20 20 47 72 6f 77 | 74 68 ff 03 b3 20 20 4f | . Grow|th... O|
|00002660| 70 74 69 6f 6e 73 20 20 | fd f0 b3 20 fd 2f 20 20 |ptions |... ./ |
|00002670| 49 73 73 75 65 73 20 20 | b3 42 61 6e 6b 20 44 65 |Issues |.Bank De|
|00002680| 70 6f 73 69 74 73 b3 ff | 04 42 6f 6e 64 73 ff 04 |posits..|.Bonds..|
|00002690| b3 20 20 53 74 6f 63 6b | 73 ff 03 b3 ff 0b fd f0 |. Stock|s.......|
|000026a0| b3 20 fd 2f ff 0a b3 ff | 0d b3 ff 0d b3 ff 0b b3 |. ./....|........|
|000026b0| 20 20 46 75 74 75 72 65 | 73 20 20 fd f0 b3 20 fd | Future|s ... .|
|000026c0| 2f 20 53 61 76 69 6e 67 | 73 20 20 b3 4d 6f 6e 65 |/ Saving|s .Mone|
|000026d0| 79 20 4d 61 72 6b 65 74 | 20 b3 48 69 67 68 20 51 |y Market| .High Q|
|000026e0| 75 61 6c 69 74 79 20 b3 | 20 20 4d 65 74 61 6c 73 |uality .| Metals|
|000026f0| ff 03 b3 ff 0b fd f0 b3 | 20 fd 2f 20 20 42 6f 6e |........| ./ Bon|
|00002700| 64 73 ff 03 b3 ff 04 46 | 75 6e 64 73 ff 04 b3 ff |ds.....F|unds....|
|00002710| 03 53 74 6f 63 6b 73 ff | 04 b3 ff 0b b3 ff 03 50 |.Stocks.|.......P|
|00002720| 65 6e 6e 79 ff 03 fd f0 | b3 20 fd 2f ff 0a b3 ff |enny....|. ./....|
|00002730| 0d b3 ff 0d b3 ff 0b b3 | 20 20 53 74 6f 63 6b 73 |........| Stocks|
|00002740| ff 03 fd f0 b3 20 fd 2f | ff 0a b3 20 20 4d 75 6e |..... ./|... Mun|
|00002750| 69 63 69 70 61 6c 20 20 | b3 20 20 50 72 65 66 65 |icipal |. Prefe|
|00002760| 72 72 65 64 20 20 b3 ff | 03 4a 75 6e 6b ff 04 b3 |rred ..|.Junk...|
|00002770| ff 0b fd f0 b3 20 fd 2f | ff 0a b3 ff 04 42 6f 6e |..... ./|.....Bon|
|00002780| 64 73 ff 04 b3 ff 03 53 | 74 6f 63 6b 73 ff 04 b3 |ds.....S|tocks...|
|00002790| ff 03 42 6f 6e 64 73 ff | 03 b3 ff 0b fd f0 b3 20 |..Bonds.|....... |
|000027a0| fd 2f ff 0a b3 ff 0d b3 | ff 0d b3 ff 0b b3 ff 0b |./......|........|
|000027b0| fd f0 b3 20 fd 2f ff 0a | b3 20 20 46 65 64 65 72 |... ./..|. Feder|
|000027c0| 61 6c 6c 79 20 20 b3 43 | 6f 6e 76 65 72 74 69 62 |ally .C|onvertib|
|000027d0| 6c 65 73 20 b3 ff 0b b3 | ff 0b fd f0 b3 20 fd 2f |les ....|..... ./|
|000027e0| ff 0a b3 ff 03 42 61 63 | 6b 65 64 ff 04 b3 ff 0d |.....Bac|ked.....|
|000027f0| b3 ff 0b b3 ff 0b fd f0 | b3 20 fd 2f ff 0a b3 ff |........|. ./....|
|00002800| 03 49 73 73 75 65 73 ff | 04 b3 20 20 56 61 72 69 |.Issues.|.. Vari|
|00002810| 61 62 6c 65 ff 03 b3 ff | 0b b3 ff 0b fd f0 b3 20 |able....|....... |
|00002820| fd 2f ff 0a b3 ff 0d b3 | 20 20 41 6e 6e 75 69 74 |./......| Annuit|
|00002830| 69 65 73 20 20 b3 ff 0b | b3 ff 0b fd f0 b3 20 fd |ies ...|...... .|
|00002840| 2f ff 0a b3 ff 04 46 69 | 78 65 64 ff 04 b3 ff 0d |/.....Fi|xed.....|
|00002850| b3 ff 0b b3 ff 0b fd f0 | b3 20 fd 2f ff 0a b3 20 |........|. ./... |
|00002860| 20 41 6e 6e 75 69 74 69 | 65 73 20 20 b3 20 52 65 | Annuiti|es . Re|
|00002870| 61 6c 20 45 73 74 61 74 | 65 20 b3 ff 0b b3 ff 0b |al Estat|e ......|
|00002880| fd f0 b3 20 fd 2f ff 0a | b3 ff 0d b3 20 49 6e 76 |... ./..|.... Inv|
|00002890| 65 73 74 6d 65 6e 74 20 | 20 b3 ff 0b b3 ff 0b fd |estment | .......|
|000028a0| f0 b3 20 fd 2f ff 0a b3 | 20 52 65 61 6c 20 45 73 |.. ./...| Real Es|
|000028b0| 74 61 74 65 20 b3 20 54 | 72 75 73 74 20 28 52 45 |tate . T|rust (RE|
|000028c0| 49 54 29 b3 ff 0b b3 ff | 0b fd f0 b3 20 fd e3 20 |IT).....|.... .. |
|000028d0| 20 fa 20 20 07 fd fe dc | 20 20 fd f0 ff 2b fd f9 | . ....| ...+..|
|000028e0| da fe c4 09 c1 c4 fd e3 | 20 2e ff 06 fd 9e dc ff |........| .......|
|000028f0| 2a fd 9f 20 b3 ff 0b 00 | 00 01 00 03 00 11 00 18 |*.. ....|........|
|00002900| 00 4e 00 3c 2c 71 8c 1e | 03 f0 c9 fe cd 0f 20 44 |.N.<,q..|...... D|
|00002910| 45 46 49 4e 45 44 20 42 | 45 4e 45 46 49 54 20 50 |EFINED B|ENEFIT P|
|00002920| 4c 41 4e 53 20 fe cd 16 | bb ba ff 3c ba ba 20 20 |LANS ...|...<.. |
|00002930| 49 6e 20 44 65 66 69 6e | 65 64 20 42 65 6e 65 66 |In Defin|ed Benef|
|00002940| 69 74 20 70 6c 61 6e 73 | 2c 20 79 6f 75 72 20 63 |it plans|, your c|
|00002950| 6f 6d 70 61 6e 79 20 70 | 72 6f 6d 69 73 65 73 20 |ompany p|romises |
|00002960| 74 6f 20 70 61 79 ff 04 | ba ba 20 20 79 6f 75 20 |to pay..|.. you |
|00002970| 61 20 67 75 61 72 61 6e | 74 65 65 64 20 70 65 6e |a guaran|teed pen|
|00002980| 73 69 6f 6e 2c 20 69 2e | 65 2e 2c 20 62 65 6e 65 |sion, i.|e., bene|
|00002990| 66 69 74 2c 20 77 68 65 | 6e 20 79 6f 75 20 72 65 |fit, whe|n you re|
|000029a0| 74 69 72 65 2e 20 ba ba | 20 20 54 68 69 73 20 6d |tire. ..| This m|
|000029b0| 65 61 6e 73 20 79 6f 75 | 20 77 69 6c 6c 20 72 65 |eans you| will re|
|000029c0| 63 65 69 76 65 20 61 20 | 66 69 78 65 64 20 6d 6f |ceive a |fixed mo|
|000029d0| 6e 74 68 6c 79 20 63 68 | 65 63 6b 20 28 63 61 6c |nthly ch|eck (cal|
|000029e0| 6c 65 64 20 ba ba 20 20 | 61 6e 20 61 6e 6e 75 69 |led .. |an annui|
|000029f0| 74 79 29 20 66 6f 72 20 | 61 73 20 6c 6f 6e 67 20 |ty) for |as long |
|00002a00| 61 73 20 79 6f 75 20 6c | 69 76 65 2e 20 20 43 6f |as you l|ive. Co|
|00002a10| 6e 74 72 69 62 75 74 69 | 6f 6e 73 ff 07 ba ba 20 |ntributi|ons.... |
|00002a20| 20 75 73 75 61 6c 6c 79 | 20 76 61 72 79 20 62 61 | usually| vary ba|
|00002a30| 73 65 64 20 6f 6e 20 6c | 65 6e 67 74 68 20 6f 66 |sed on l|ength of|
|00002a40| 20 73 65 72 76 69 63 65 | 20 61 6e 64 20 73 61 6c | service| and sal|
|00002a50| 61 72 79 2c 20 62 75 74 | ff 03 ba ba 20 20 79 6f |ary, but|.... yo|
|00002a60| 75 20 6b 6e 6f 77 20 65 | 78 61 63 74 6c 79 20 68 |u know e|xactly h|
|00002a70| 6f 77 20 6d 75 63 68 20 | 79 6f 75 20 77 69 6c 6c |ow much |you will|
|00002a80| 20 72 65 63 65 69 76 65 | 20 77 68 65 6e 20 79 6f | receive| when yo|
|00002a90| 75 ff 07 ba ba 20 20 72 | 65 74 69 72 65 2e ff 33 |u.... r|etire..3|
|00002aa0| ba ba ff 3c ba ba 20 20 | 54 68 65 20 64 6f 6c 6c |...<.. |The doll|
|00002ab0| 61 72 20 6c 69 6d 69 74 | 61 74 69 6f 6e 20 6f 6e |ar limit|ation on|
|00002ac0| 20 61 6e 6e 75 61 6c 20 | 62 65 6e 65 66 69 74 73 | annual |benefits|
|00002ad0| 20 69 73 20 74 68 65 20 | 6c 65 73 73 65 72 20 6f | is the |lesser o|
|00002ae0| 66 20 ba ba 20 20 24 31 | 30 32 2c 35 38 32 2a 20 |f .. $1|02,582* |
|00002af0| 4f 52 20 31 30 30 25 20 | 6f 66 20 74 68 65 20 61 |OR 100% |of the a|
|00002b00| 76 65 72 61 67 65 20 6f | 66 20 74 68 65 20 65 6d |verage o|f the em|
|00002b10| 70 6c 6f 79 65 65 27 73 | 20 74 68 72 65 65 20 20 |ployee's| three |
|00002b20| ba ba 20 20 68 69 67 68 | 65 73 74 20 63 6f 6e 73 |.. high|est cons|
|00002b30| 65 63 75 74 69 76 65 20 | 61 6e 6e 75 61 6c 20 73 |ecutive |annual s|
|00002b40| 61 6c 61 72 79 20 61 6d | 6f 75 6e 74 73 2e 20 28 |alary am|ounts. (|
|00002b50| 54 68 69 73 20 69 73 ff | 07 ba ba 20 20 61 73 73 |This is.|... ass|
|00002b60| 75 6d 69 6e 67 20 72 65 | 74 69 72 65 6d 65 6e 74 |uming re|tirement|
|00002b70| 20 61 74 20 36 35 2e 20 | 20 52 65 74 69 72 65 6d | at 65. | Retirem|
|00002b80| 65 6e 74 20 65 61 72 6c | 69 65 72 20 6f 72 20 6c |ent earl|ier or l|
|00002b90| 61 74 65 72 ff 03 ba ba | 20 20 63 68 61 6e 67 65 |ater....| change|
|00002ba0| 73 20 6c 69 6d 69 74 61 | 74 69 6f 6e 73 2e 29 ff |s limita|tions.).|
|00002bb0| 25 ba ba ff 3c ba ba ff | 3c ba ba 20 20 2a 20 31 |%...<...|<.. * 1|
|00002bc0| 39 39 30 20 64 6f 6c 6c | 61 72 73 3b 20 66 75 74 |990 doll|ars; fut|
|00002bd0| 75 72 65 20 79 65 61 72 | 73 20 69 6e 64 65 78 65 |ure year|s indexe|
|00002be0| 64 20 66 6f 72 20 69 6e | 66 6c 61 74 69 6f 6e 2e |d for in|flation.|
|00002bf0| ff 07 ba ba ff 3c ba fd | e3 20 fd ef df fd f0 ff |.....<..|. ......|
|00002c00| 3b ba fd e3 fa 20 20 07 | fd fe dc 20 20 fd f0 ff |;.... .|... ...|
|00002c10| 2b fd f9 da fe c4 0a d0 | fd e3 ff 06 fd 9e dc ff |+.......|........|
|00002c20| 2a fd 9f 20 b3 ff 0b 00 | 00 01 00 03 00 12 00 18 |*.. ....|........|
|00002c30| 00 4e 00 e6 af 78 83 54 | 02 2f ff 3c fd f0 b3 fd |.N...x.T|./.<....|
|00002c40| 2f ff 0e 51 55 41 4c 49 | 46 49 45 44 20 43 4f 52 |/..QUALI|FIED COR|
|00002c50| 50 4f 52 41 54 45 20 50 | 45 4e 53 49 4f 4e 20 50 |PORATE P|ENSION P|
|00002c60| 4c 41 4e 53 ff 0d fd f0 | b3 fd 2f ff 3c fd f0 b3 |LANS....|../.<...|
|00002c70| fd 2f 20 20 42 65 61 72 | 20 69 6e 20 6d 69 6e 64 |./ Bear| in mind|
|00002c80| 20 74 68 61 74 20 6f 6e | 6c 79 20 51 55 41 4c 49 | that on|ly QUALI|
|00002c90| 46 49 45 44 20 70 65 6e | 73 69 6f 6e 20 70 6c 61 |FIED pen|sion pla|
|00002ca0| 6e 73 20 65 6e 6a 6f 79 | 20 61 6c 6c 20 20 fd f0 |ns enjoy| all ..|
|00002cb0| b3 fd 2f 20 20 73 70 65 | 63 69 61 6c 20 74 61 78 |../ spe|cial tax|
|00002cc0| 20 64 65 66 65 72 72 61 | 6c 20 61 6e 64 20 77 69 | deferra|l and wi|
|00002cd0| 74 68 64 72 61 77 61 6c | 20 62 65 6e 65 66 69 74 |thdrawal| benefit|
|00002ce0| 73 2e ff 0d fd f0 b3 fd | 2f ff 3c fd f0 b3 fd 2f |s.......|/.<..../|
|00002cf0| 20 20 41 20 71 75 61 6c | 69 66 69 65 64 20 70 65 | A qual|ified pe|
|00002d00| 6e 73 69 6f 6e 20 70 6c | 61 6e 20 69 73 20 6f 6e |nsion pl|an is on|
|00002d10| 65 20 74 68 61 74 20 69 | 73 20 49 52 53 2d 61 70 |e that i|s IRS-ap|
|00002d20| 70 72 6f 76 65 64 20 61 | 6e 64 20 20 fd f0 b3 fd |proved a|nd ....|
|00002d30| 2f 20 20 6d 65 65 74 73 | 20 73 70 65 63 69 66 69 |/ meets| specifi|
|00002d40| 63 20 73 74 61 6e 64 61 | 72 64 73 20 66 6f 72 20 |c standa|rds for |
|00002d50| 65 6c 69 67 69 62 69 6c | 69 74 79 2c 20 62 65 6e |eligibil|ity, ben|
|00002d60| 65 66 69 74 73 20 61 6e | 64 ff 04 fd f0 b3 fd 2f |efits an|d....../|
|00002d70| 20 20 72 65 70 6f 72 74 | 69 6e 67 2e ff 30 fd f0 | report|ing..0..|
|00002d80| b3 fd 2f ff 3c fd f0 b3 | fd 2f 20 20 53 69 6e 63 |../.<...|./ Sinc|
|00002d90| 65 20 63 6f 72 70 6f 72 | 61 74 65 20 72 65 74 69 |e corpor|ate reti|
|00002da0| 72 65 6d 65 6e 74 20 70 | 6c 61 6e 73 20 63 61 6e |rement p|lans can|
|00002db0| 20 62 65 20 76 65 72 79 | 20 63 6f 6d 70 6c 69 63 | be very| complic|
|00002dc0| 61 74 65 64 2c 20 fd f0 | b3 fd 2f 20 20 79 6f 75 |ated, ..|../ you|
|00002dd0| 20 73 68 6f 75 6c 64 20 | 63 68 65 63 6b 20 77 69 | should |check wi|
|00002de0| 74 68 20 79 6f 75 72 20 | 70 65 72 73 6f 6e 6e 65 |th your |personne|
|00002df0| 6c 20 64 65 70 61 72 74 | 6d 65 6e 74 20 66 6f 72 |l depart|ment for|
|00002e00| ff 07 fd f0 b3 fd 2f 20 | 20 63 6f 6d 70 6c 65 74 |....../ | complet|
|00002e10| 65 20 69 6e 66 6f 72 6d | 61 74 69 6f 6e 20 6f 6e |e inform|ation on|
|00002e20| 20 79 6f 75 72 20 63 6f | 6d 70 61 6e 79 27 73 20 | your co|mpany's |
|00002e30| 70 6c 61 6e 73 2e ff 0d | fd f0 b3 fd 2f ff 3c fd |plans...|..../.<.|
|00002e40| f0 b3 fd 2f ff 3c fd f0 | b3 fd 2f ff 3c fd f0 b3 |.../.<..|../.<...|
|00002e50| fd ff ff 3c fd f0 b3 fd | ff ff 3c fd f0 b3 ff 3c |...<....|..<....<|
|00002e60| b3 fd ef df fd f0 ff 3b | b3 fd e3 20 20 07 fd fe |.......;|... ...|
|00002e70| dc 20 20 fd f0 ff 2b fd | f9 da fe c4 0a c1 fd e3 |. ...+.|........|
|00002e80| ff 05 fd 9e dc ff 2a fd | 9f 20 b3 ff 0b 00 00 01 |......*.|. ......|
|00002e90| 00 03 00 12 00 18 00 4e | 00 24 a5 da 92 f4 01 f0 |.......N|.$......|
|00002ea0| c9 fe cd 03 4d 49 58 49 | 4e 47 20 44 45 46 49 4e |....MIXI|NG DEFIN|
|00002eb0| 45 44 20 42 45 4e 45 46 | 49 54 20 41 4e 44 20 44 |ED BENEF|IT AND D|
|00002ec0| 45 46 49 4e 45 44 20 43 | 4f 4e 54 52 49 42 55 54 |EFINED C|ONTRIBUT|
|00002ed0| 49 4f 4e 20 50 4c 41 4e | 53 cd cd bb b3 ba ff 3a |ION PLAN|S......:|
|00002ee0| ba b3 ba ff 3a ba b3 ba | ff 03 4d 61 6e 79 20 63 |....:...|..Many c|
|00002ef0| 6f 6d 70 61 6e 69 65 73 | 20 6f 66 66 65 72 20 6d |ompanies| offer m|
|00002f00| 69 78 65 64 20 70 65 6e | 73 69 6f 6e 20 70 6c 61 |ixed pen|sion pla|
|00002f10| 6e 73 20 74 6f 20 67 69 | 76 65 20 79 6f 75 ff 03 |ns to gi|ve you..|
|00002f20| ba b3 ba ff 03 62 6f 74 | 68 20 74 68 65 20 70 72 |.....bot|h the pr|
|00002f30| 65 64 69 63 74 61 62 69 | 6c 69 74 79 20 6f 66 20 |edictabi|lity of |
|00002f40| 44 65 66 69 6e 65 64 20 | 42 65 6e 65 66 69 74 20 |Defined |Benefit |
|00002f50| 61 6e 64 20 74 68 65 ff | 05 ba b3 ba ff 03 70 6f |and the.|......po|
|00002f60| 74 65 6e 74 69 61 6c 6c | 79 20 68 69 67 68 65 72 |tentiall|y higher|
|00002f70| 20 72 65 74 75 72 6e 73 | 20 6f 66 20 44 65 66 69 | returns| of Defi|
|00002f80| 6e 65 64 20 43 6f 6e 74 | 72 69 62 75 74 69 6f 6e |ned Cont|ribution|
|00002f90| ff 05 ba b3 ba ff 03 70 | 6c 61 6e 73 2e ff 31 ba |.......p|lans..1.|
|00002fa0| b3 ba ff 3a ba b3 ba ff | 03 53 70 65 63 69 61 6c |...:....|.Special|
|00002fb0| 20 63 6f 6d 70 6c 65 78 | 20 72 75 6c 65 73 20 63 | complex| rules c|
|00002fc0| 6f 76 65 72 20 74 6f 74 | 61 6c 20 63 6f 6d 70 65 |over tot|al compe|
|00002fd0| 6e 73 61 74 69 6f 6e 20 | 6c 69 6d 69 74 73 20 20 |nsation |limits |
|00002fe0| ba b3 ba ff 03 61 6e 64 | 20 6c 69 6d 69 74 73 20 |.....and| limits |
|00002ff0| 66 6f 72 20 6b 65 79 20 | 65 6d 70 6c 6f 79 65 65 |for key |employee|
|00003000| 73 20 75 6e 64 65 72 20 | 74 68 65 73 65 20 6d 69 |s under |these mi|
|00003010| 78 65 64 20 70 6c 61 6e | 73 2e 20 20 ba b3 ba ff |xed plan|s. ....|
|00003020| 3a ba b3 ba ff 3a ba b3 | ba ff 2b fd 0a 20 4d 6f |:....:..|..+.. Mo|
|00003030| 6e 65 79 20 fd e4 54 fd | 0a 69 70 20 fd f0 ff 04 |ney ..T.|.ip ....|
|00003040| ba b3 ba ff 3a ba b3 ba | ff 3a ba b3 ba ff 3a ba |....:...|.:....:.|
|00003050| b3 ba ff 3a ba b3 ba ff | 3a ba b3 ba ff 3a ba b3 |...:....|:....:..|
|00003060| fd e3 20 fd fe dc ff 06 | fd f0 ff 33 ba b3 fd e3 |.. .....|...3....|
|00003070| 20 20 07 fd fe dc ff 03 | fd f0 ff 2a fd f9 da fe | ......|...*....|
|00003080| c4 09 d0 c1 fd e3 ff 05 | fd 9e dc ff 2a fd 9f 20 |........|....*.. |
|00003090| b3 ff 0b 00 00 01 00 03 | 00 0e 00 18 00 4f 00 dc |........|.....O..|
|000030a0| 6f 71 8c 09 02 f0 ff 12 | 49 52 41 20 41 4e 4e 55 |oq......|IRA ANNU|
|000030b0| 41 4c 20 43 4f 4e 54 52 | 49 42 55 54 49 4f 4e 20 |AL CONTR|IBUTION |
|000030c0| 43 48 41 52 54 ff 11 fd | 2f 20 fd f0 ff 41 fd 2f |CHART...|/ ...A./|
|000030d0| 20 fd f0 ff 03 49 66 20 | 79 6f 75 20 61 6e 64 20 | ....If |you and |
|000030e0| 79 6f 75 72 20 73 70 6f | 75 73 65 20 44 4f 20 4e |your spo|use DO N|
|000030f0| 4f 54 20 68 61 76 65 20 | 61 20 63 6f 6d 70 61 6e |OT have |a compan|
|00003100| 79 20 70 65 6e 73 69 6f | 6e 20 70 6c 61 6e 3a ff |y pensio|n plan:.|
|00003110| 04 fd 2f 20 fd f0 ff 41 | fd 2f 20 fd f0 ff 28 4d |../ ...A|./ ...(M|
|00003120| 61 78 69 6d 75 6d 20 54 | 61 78 2d 64 65 64 75 63 |aximum T|ax-deduc|
|00003130| 74 69 62 6c 65 ff 03 fd | 2f 20 fd f0 ff 2b 49 52 |tible...|/ ...+IR|
|00003140| 41 20 43 6f 6e 74 72 69 | 62 75 74 69 6f 6e ff 06 |A Contri|bution..|
|00003150| fd 2f 20 fd f0 ff 03 da | fe c4 3a bf 20 20 fd 2f |./ .....|..:. ./|
|00003160| 20 fd f0 ff 03 b3 ff 3a | b3 20 20 fd 2f 20 fd f0 | ......:|. ./ ..|
|00003170| ff 03 b3 53 69 6e 67 6c | 65 20 6f 72 20 65 61 63 |...Singl|e or eac|
|00003180| 68 20 73 70 6f 75 73 65 | 20 66 69 6c 69 6e 67 20 |h spouse| filing |
|00003190| 61 6e ff 0d 24 20 32 2c | fe 30 03 ff 07 b3 20 20 |an..$ 2,|.0.... |
|000031a0| fd 2f 20 fd f0 ff 03 b3 | 20 20 69 6e 64 69 76 69 |./ .....| indivi|
|000031b0| 64 75 61 6c 20 72 65 74 | 75 72 6e ff 27 b3 20 20 |dual ret|urn.'. |
|000031c0| fd 2f 20 fd f0 ff 03 c3 | fe c4 3a b4 20 20 fd 2f |./ .....|..:. ./|
|000031d0| 20 fd f0 ff 03 b3 43 6f | 75 70 6c 65 20 2d 20 32 | .....Co|uple - 2|
|000031e0| 20 69 6e 63 6f 6d 65 20 | 66 69 6c 69 6e 67 20 6a | income |filing j|
|000031f0| 6f 69 6e 74 6c 79 ff 0c | 24 20 34 2c fe 30 03 ff |ointly..|$ 4,.0..|
|00003200| 07 b3 20 20 fd 2f 20 fd | f0 ff 03 b3 ff 3a b3 20 |.. ./ .|.....:. |
|00003210| 20 fd 2f 20 fd f0 ff 03 | c3 fe c4 3a b4 20 20 fd | ./ ....|...:. .|
|00003220| 2f 20 fd f0 ff 03 b3 43 | 6f 75 70 6c 65 20 2d 20 |/ .....C|ouple - |
|00003230| 31 20 69 6e 63 6f 6d 65 | 20 66 69 6c 69 6e 67 20 |1 income| filing |
|00003240| 6a 6f 69 6e 74 6c 79 ff | 0c 24 20 32 2c 32 35 30 |jointly.|.$ 2,250|
|00003250| ff 07 b3 20 20 fd 2f 20 | fd f0 ff 03 b3 ff 3a b3 |... ./ |......:.|
|00003260| 20 20 fd 2f 20 fd f0 ff | 03 d4 fe cd 3a be 20 20 | ./ ...|....:. |
|00003270| fd 2f 20 fd f0 ff 41 fd | 2f 20 fd f0 ff 41 fd 2f |./ ...A.|/ ...A./|
|00003280| 20 fd f0 ff 41 fd 2f 20 | fd f0 ff 41 fd 2f 20 fd | ...A./ |...A./ .|
|00003290| f9 c4 fd e3 20 20 2e ff | 06 fd 9e dc ff 2a fd 9f |.... ..|.....*..|
|000032a0| 20 b3 20 50 61 67 65 20 | 31 20 6f 66 20 33 00 00 | . Page |1 of 3..|
|000032b0| 01 00 04 00 0e 00 18 00 | 4f 00 b8 38 71 8c c1 02 |........|O..8q...|
|000032c0| f0 20 20 49 66 20 79 6f | 75 20 4f 52 20 79 6f 75 |. If yo|u OR you|
|000032d0| 72 20 73 70 6f 75 73 65 | 20 48 41 53 20 61 20 63 |r spouse| HAS a c|
|000032e0| 6f 6d 70 61 6e 79 20 70 | 65 6e 73 69 6f 6e 20 70 |ompany p|ension p|
|000032f0| 6c 61 6e 3a ff 0d fd 2f | 20 fd f0 ff 2a 4d 61 78 |lan:.../| ...*Max|
|00003300| 69 6d 75 6d 20 54 61 78 | 2d 64 65 64 75 63 74 69 |imum Tax|-deducti|
|00003310| 62 6c 65 20 fd 2f 20 fd | f0 ff 1b 49 6e 63 6f 6d |ble ./ .|...Incom|
|00003320| 65 20 4c 65 76 65 6c ff | 06 49 52 41 20 43 6f 6e |e Level.|.IRA Con|
|00003330| 74 72 69 62 75 74 69 6f | 6e ff 04 fd 2f 20 fd f0 |tributio|n.../ ..|
|00003340| 20 da fe c4 3d bf 20 fd | 2f 20 fd f0 20 b3 53 69 | ...=. .|/ .. .Si|
|00003350| 6e 67 6c 65 20 6f 72 20 | 65 61 63 68 20 73 70 6f |ngle or |each spo|
|00003360| 75 73 65 ff 03 24 32 35 | 2c fe 30 03 20 6f 72 20 |use..$25|,.0. or |
|00003370| 6c 65 73 73 ff 09 24 20 | 32 2c fe 30 03 ff 06 b3 |less..$ |2,.0....|
|00003380| 20 fd 2f 20 fd f0 20 b3 | 66 69 6c 65 73 20 69 6e | ./ .. .|files in|
|00003390| 64 69 76 69 64 75 61 6c | 20 72 65 74 75 72 6e 20 |dividual| return |
|000033a0| 20 32 35 2c 30 30 31 20 | 2d 20 33 34 2c fe 39 03 | 25,001 |- 34,.9.|
|000033b0| ff 03 4c 65 73 73 20 74 | 68 61 6e 20 24 20 32 2c |..Less t|han $ 2,|
|000033c0| fe 30 03 20 b3 20 fd 2f | 20 fd f0 20 b3 28 63 6f |.0. . ./| .. .(co|
|000033d0| 6d 62 69 6e 65 64 20 69 | 6e 63 6f 6d 65 29 ff 08 |mbined i|ncome)..|
|000033e0| 33 35 2c fe 30 03 20 6f | 72 20 6d 6f 72 65 ff 09 |35,.0. o|r more..|
|000033f0| 24 ff 05 30 ff 06 b3 20 | fd 2f 20 fd f0 20 c3 fe |$..0... |./ .. ..|
|00003400| c4 3d b4 20 fd 2f 20 fd | f0 20 b3 43 6f 75 70 6c |.=. ./ .|. .Coupl|
|00003410| 65 20 2d 20 32 20 69 6e | 63 6f 6d 65 73 ff 06 24 |e - 2 in|comes..$|
|00003420| 34 30 2c fe 30 03 20 6f | 72 20 6c 65 73 73 ff 09 |40,.0. o|r less..|
|00003430| 24 20 34 2c fe 30 03 ff | 06 b3 20 fd 2f 20 fd f0 |$ 4,.0..|.. ./ ..|
|00003440| 20 b3 66 69 6c 69 6e 67 | 20 6a 6f 69 6e 74 6c 79 | .filing| jointly|
|00003450| ff 0b 34 30 2c 30 30 31 | 20 2d 20 34 39 2c fe 39 |..40,001| - 49,.9|
|00003460| 03 ff 03 4c 65 73 73 20 | 74 68 61 6e 20 24 20 34 |...Less |than $ 4|
|00003470| 2c fe 30 03 20 b3 20 fd | 2f 20 fd f0 20 b3 ff 19 |,.0. . .|/ .. ...|
|00003480| 35 30 2c fe 30 03 20 6f | 72 20 6d 6f 72 65 ff 09 |50,.0. o|r more..|
|00003490| 24 ff 05 30 ff 06 b3 20 | fd 2f 20 fd f0 20 c3 fe |$..0... |./ .. ..|
|000034a0| c4 3d b4 20 fd 2f 20 fd | f0 20 b3 43 6f 75 70 6c |.=. ./ .|. .Coupl|
|000034b0| 65 20 2d 20 31 20 69 6e | 63 6f 6d 65 ff 07 24 34 |e - 1 in|come..$4|
|000034c0| 30 2c fe 30 03 20 6f 72 | 20 6c 65 73 73 ff 09 24 |0,.0. or| less..$|
|000034d0| 20 32 2c 32 35 30 ff 06 | b3 20 fd 2f 20 fd f0 20 | 2,250..|. ./ .. |
|000034e0| b3 66 69 6c 69 6e 67 20 | 6a 6f 69 6e 74 6c 79 ff |.filing |jointly.|
|000034f0| 0b 34 30 2c 30 30 31 20 | 2d 20 34 39 2c fe 39 03 |.40,001 |- 49,.9.|
|00003500| ff 03 4c 65 73 73 20 74 | 68 61 6e 20 24 20 32 2c |..Less t|han $ 2,|
|00003510| 32 35 30 20 b3 20 fd 2f | 20 fd f0 20 b3 ff 19 35 |250 . ./| .. ...5|
|00003520| 30 2c fe 30 03 20 6f 72 | 20 6d 6f 72 65 ff 09 24 |0,.0. or| more..$|
|00003530| ff 05 30 ff 06 b3 20 fd | 2f 20 fd f0 20 d4 fe cd |..0... .|/ .. ...|
|00003540| 3d be 20 fd 2f 20 fd f0 | ff 41 fd 2f 20 fd f0 ff |=. ./ ..|.A./ ...|
|00003550| 41 fd 2f 20 fd f0 ff 41 | fd 2f 20 fd f0 ff 41 fd |A./ ...A|./ ...A.|
|00003560| 2f 20 fd f0 c4 fd e3 20 | 20 2e ff 06 fd 9e dc ff |/ ..... | .......|
|00003570| 2a fd 9f 20 b3 20 50 61 | 67 65 20 32 20 6f 66 20 |*.. . Pa|ge 2 of |
|00003580| 33 00 00 01 00 04 00 0e | 00 18 00 4f 00 dc 6f 71 |3.......|...O..oq|
|00003590| 8c 9c 02 f0 da fe c4 3e | bf fd 2f 20 fd f0 20 b3 |.......>|../ .. .|
|000035a0| ff 3e b3 fd 2f 20 fd f0 | 20 b3 20 4b 65 65 70 69 |.>../ ..| . Keepi|
|000035b0| 6e 67 20 69 6e 20 6d 69 | 6e 64 20 74 68 61 74 20 |ng in mi|nd that |
|000035c0| 49 52 41 20 72 65 73 74 | 72 69 63 74 69 6f 6e 73 |IRA rest|rictions|
|000035d0| 20 69 6d 70 6f 73 65 20 | 6c 69 6d 69 74 73 2c 20 | impose |limits, |
|000035e0| 61 73 ff 06 b3 fd 2f 20 | fd f0 20 b3 20 73 68 6f |as..../ |.. . sho|
|000035f0| 77 6e 2c 20 6f 6e 20 74 | 61 78 2d 64 65 64 75 63 |wn, on t|ax-deduc|
|00003600| 74 69 62 6c 65 20 63 6f | 6e 74 72 69 62 75 74 69 |tible co|ntributi|
|00003610| 6f 6e 73 2c 20 79 6f 75 | 20 63 61 6e 20 73 74 69 |ons, you| can sti|
|00003620| 6c 6c 20 6d 61 6b 65 ff | 03 b3 fd 2f 20 fd f0 20 |ll make.|.../ .. |
|00003630| b3 20 76 6f 6c 75 6e 74 | 61 72 79 20 63 6f 6e 74 |. volunt|ary cont|
|00003640| 72 69 62 75 74 69 6f 6e | 73 2e 20 20 54 68 65 79 |ribution|s. They|
|00003650| 20 61 72 65 20 6e 6f 74 | 20 74 61 78 2d 64 65 64 | are not| tax-ded|
|00003660| 75 63 74 69 62 6c 65 20 | 62 75 74 ff 04 b3 fd 2f |uctible |but..../|
|00003670| 20 fd f0 20 b3 20 73 74 | 69 6c 6c 20 72 65 6d 61 | .. . st|ill rema|
|00003680| 69 6e 20 74 61 78 2d 64 | 65 66 65 72 72 65 64 2e |in tax-d|eferred.|
|00003690| ff 23 b3 fd 2f 20 fd f0 | 20 b3 ff 3e b3 fd 2f 20 |.#../ ..| ..>../ |
|000036a0| fd f0 20 b3 20 46 6f 72 | 20 65 78 61 6d 70 6c 65 |.. . For| example|
|000036b0| 2c 20 61 20 73 69 6e 67 | 6c 65 20 70 65 72 73 6f |, a sing|le perso|
|000036c0| 6e 20 77 69 74 68 20 61 | 20 63 6f 6d 70 61 6e 79 |n with a| company|
|000036d0| 20 70 65 6e 73 69 6f 6e | 20 77 68 6f 20 68 61 73 | pension| who has|
|000036e0| 20 20 b3 fd 2f 20 fd f0 | 20 b3 20 61 6e 20 69 6e | ../ ..| . an in|
|000036f0| 63 6f 6d 65 20 6f 76 65 | 72 20 24 33 35 2c fe 30 |come ove|r $35,.0|
|00003700| 03 20 63 61 6e 20 6d 61 | 6b 65 20 56 4f 4c 55 4e |. can ma|ke VOLUN|
|00003710| 54 41 52 59 20 74 61 78 | 2d 64 65 66 65 72 72 65 |TARY tax|-deferre|
|00003720| 64 20 63 6f 6e 2d 20 20 | b3 fd 2f 20 fd f0 20 b3 |d con- |../ .. .|
|00003730| 20 74 72 69 62 75 74 69 | 6f 6e 73 20 6f 66 20 75 | tributi|ons of u|
|00003740| 70 20 74 6f 20 24 32 2c | fe 30 03 2c 20 62 75 74 |p to $2,|.0., but|
|00003750| 20 74 68 65 73 65 20 63 | 6f 6e 74 72 69 62 75 74 | these c|ontribut|
|00003760| 69 6f 6e 73 20 61 72 65 | 20 6e 6f 74 20 20 b3 fd |ions are| not ..|
|00003770| 2f 20 fd f0 20 b3 20 74 | 61 78 20 64 65 64 75 63 |/ .. . t|ax deduc|
|00003780| 74 69 62 6c 65 2e ff 2e | b3 fd 2f 20 fd f0 20 b3 |tible...|../ .. .|
|00003790| ff 3e b3 fd 2f 20 fd f0 | 20 b3 ff 3e b3 fd 2f 20 |.>../ ..| ..>../ |
|000037a0| fd f0 20 b3 ff 2f fd 0a | 20 4d 6f 6e 65 79 20 fd |.. ../..| Money .|
|000037b0| e4 54 fd 0a 69 70 20 fd | f0 ff 04 b3 fd 2f 20 fd |.T..ip .|...../ .|
|000037c0| f0 20 b3 ff 3e b3 fd 2f | 20 fd f0 20 b3 ff 3e b3 |. ..>../| .. ..>.|
|000037d0| fd 2f 20 fd f0 20 b3 ff | 3e b3 fd 2f 20 fd f0 20 |./ .. ..|>../ .. |
|000037e0| b3 ff 3e b3 fd 2f 20 fd | f0 20 b3 ff 3e b3 fd 2f |..>../ .|. ..>../|
|000037f0| 20 fd f0 20 fd e3 3a 20 | 20 fa 20 20 07 fd fe dc | .. ..: | . ....|
|00003800| 20 20 fd f0 ff 2b fd f9 | da fe c4 09 c1 fd 2f 20 | ...+..|....../ |
|00003810| fd f0 c4 fd e3 20 20 2e | ff 06 fd 9e dc ff 2a fd |..... .|......*.|
|00003820| 9f 20 b3 20 50 61 67 65 | 20 33 20 6f 66 20 33 00 |. . Page| 3 of 3.|
|00003830| 00 01 00 05 00 14 00 18 | 00 4e 00 22 ee 17 86 eb |........|.N."....|
|00003840| 01 a0 da fe c4 16 fd 0a | 20 4d 4f 4e 45 59 20 54 |........| MONEY T|
|00003850| 49 50 20 fd a0 fe c4 15 | bf fd f0 20 ba b3 fd a0 |IP .....|... ....|
|00003860| b3 ff 36 b3 fd f0 20 ba | b3 fd a0 b3 ff 36 b3 fd |..6... .|.....6..|
|00003870| f0 20 ba b3 fd a0 b3 ff | 04 42 65 63 61 75 73 65 |. ......|.Because|
|00003880| 20 74 68 65 73 65 20 70 | 6c 61 6e 73 20 64 65 70 | these p|lans dep|
|00003890| 65 6e 64 20 6f 6e 20 79 | 6f 75 72 20 63 6f 6d 70 |end on y|our comp|
|000038a0| 61 6e 79 27 73 ff 06 b3 | fd f0 20 ba b3 fd a0 b3 |any's...|.. .....|
|000038b0| ff 04 70 65 72 66 6f 72 | 6d 61 6e 63 65 20 6f 72 |..perfor|mance or|
|000038c0| 20 74 68 65 20 70 65 72 | 66 6f 72 6d 61 6e 63 65 | the per|formance|
|000038d0| 20 6f 66 20 61 20 6d 6f | 6e 65 79 ff 09 b3 fd f0 | of a mo|ney.....|
|000038e0| 20 ba b3 fd a0 b3 ff 04 | 6d 61 6e 61 67 65 72 2c | .......|manager,|
|000038f0| 20 79 6f 75 20 77 6f 6e | 27 74 20 6b 6e 6f 77 20 | you won|'t know |
|00003900| 68 6f 77 20 6d 75 63 68 | 20 77 69 6c 6c 20 62 65 |how much| will be|
|00003910| 20 69 6e ff 07 b3 fd f0 | 20 ba b3 fd a0 b3 ff 04 | in.....| .......|
|00003920| 79 6f 75 72 20 72 65 74 | 69 72 65 6d 65 6e 74 20 |your ret|irement |
|00003930| 62 65 6e 65 66 69 74 20 | 70 61 63 6b 61 67 65 20 |benefit |package |
|00003940| 75 6e 74 69 6c 20 79 6f | 75 ff 09 b3 fd f0 20 ba |until yo|u..... .|
|00003950| b3 fd a0 b3 ff 04 72 65 | 63 65 69 76 65 20 69 74 |......re|ceive it|
|00003960| 2e ff 27 b3 fd f0 20 ba | b3 fd a0 b3 ff 36 b3 fd |..'... .|.....6..|
|00003970| f0 20 ba b3 fd a0 b3 ff | 04 54 68 69 73 20 69 73 |. ......|.This is|
|00003980| 20 77 68 79 20 79 6f 75 | 72 20 72 65 74 69 72 65 | why you|r retire|
|00003990| 6d 65 6e 74 20 61 73 73 | 65 74 73 20 73 68 6f 75 |ment ass|ets shou|
|000039a0| 6c 64 20 63 6f 6d 65 ff | 04 b3 fd f0 20 ba b3 fd |ld come.|.... ...|
|000039b0| a0 b3 ff 04 66 72 6f 6d | 20 73 65 76 65 72 61 6c |....from| several|
|000039c0| 20 73 6f 75 72 63 65 73 | 2e ff 1d b3 fd f0 20 ba | sources|...... .|
|000039d0| b3 fd a0 b3 ff 36 b3 fd | f0 20 ba b3 fd a0 b3 ff |.....6..|. ......|
|000039e0| 36 b3 fd f0 20 ba b3 fd | a0 c0 fe c4 36 d9 fd f0 |6... ...|....6...|
|000039f0| 20 ba b3 ff 39 ba b3 ff | 39 ba b3 ff 39 ba b3 fd | ...9...|9...9...|
|00003a00| fe ff 06 fd f0 ff 33 ba | b3 fd e3 07 fd fe dc ff |......3.|........|
|00003a10| 03 fd f0 ff 2a fd f9 da | fe c4 09 d0 c1 fd e3 ff |....*...|........|
|00003a20| 03 fd 9e dc ff 2a fd 9f | 20 b3 ff 0b 00 00 01 00 |.....*..| .......|
|00003a30| 05 00 10 00 18 00 4d 00 | a2 a1 5a 83 80 01 a0 da |......M.|..Z.....|
|00003a40| fe c4 18 fd 0a 20 4d 4f | 4e 45 59 20 54 49 50 20 |..... MO|NEY TIP |
|00003a50| fd a0 fe c4 18 bf fd 2f | 20 fd a0 b3 ff 3b b3 fd |......./| ....;..|
|00003a60| 2f 20 fd a0 b3 ff 3b b3 | fd 2f 20 fd a0 b3 ff 07 |/ ....;.|./ .....|
|00003a70| 57 68 65 6e 20 79 6f 75 | 20 72 65 63 65 69 76 65 |When you| receive|
|00003a80| 20 79 6f 75 72 20 6d 6f | 6e 65 79 20 77 68 65 6e | your mo|ney when|
|00003a90| 20 79 6f 75 20 72 65 74 | 69 72 65 2c ff 08 b3 fd | you ret|ire,....|
|00003aa0| 2f 20 fd a0 b3 ff 07 6c | 65 61 76 65 20 74 68 65 |/ .....l|eave the|
|00003ab0| 20 63 6f 6d 70 61 6e 79 | 20 6f 72 20 62 65 63 6f | company| or beco|
|00003ac0| 6d 65 20 64 69 73 61 62 | 6c 65 64 2c 20 74 68 65 |me disab|led, the|
|00003ad0| 73 65 ff 09 b3 fd 2f 20 | fd a0 b3 ff 07 66 75 6e |se..../ |.....fun|
|00003ae0| 64 73 20 62 65 63 6f 6d | 65 20 74 61 78 61 62 6c |ds becom|e taxabl|
|00003af0| 65 2c 20 75 6e 6c 65 73 | 73 20 74 68 65 79 20 61 |e, unles|s they a|
|00003b00| 72 65 20 22 72 6f 6c 6c | 65 64 ff 07 b3 fd 2f 20 |re "roll|ed..../ |
|00003b10| fd a0 b3 ff 07 6f 76 65 | 72 22 20 69 6e 74 6f 20 |.....ove|r" into |
|00003b20| 61 6e 6f 74 68 65 72 20 | 49 52 53 2d 71 75 61 6c |another |IRS-qual|
|00003b30| 69 66 69 65 64 20 70 6c | 61 6e 20 77 69 74 68 69 |ified pl|an withi|
|00003b40| 6e ff 08 b3 fd 2f 20 fd | a0 b3 ff 07 36 30 20 64 |n..../ .|....60 d|
|00003b50| 61 79 73 2e ff 2c b3 fd | 2f 20 fd a0 b3 ff 3b b3 |ays..,..|/ ....;.|
|00003b60| fd 2f 20 fd a0 b3 ff 3b | b3 fd 2f 20 fd a0 b3 ff |./ ....;|../ ....|
|00003b70| 3b b3 fd 2f 20 fd a0 b3 | ff 3b b3 fd 2f 20 fd a0 |;../ ...|.;../ ..|
|00003b80| c0 fe c4 3b d9 fd 2f ff | f9 fd e3 ff 03 fd fe dc |...;../.|........|
|00003b90| ff 06 fd f0 ff 33 ba fd | e3 20 fa 20 20 07 fd fe |.....3..|. . ...|
|00003ba0| dc ff 03 fd f0 ff 2a fd | f9 da fe c4 09 d0 fd e3 |......*.|........|
|00003bb0| 2e ff 06 fd 9e dc ff 2a | fd 9f 20 b3 ff 0a 00 00 |.......*|.. .....|
|00003bc0| 01 00 05 00 10 00 14 00 | 4c 00 8e 79 62 95 05 01 |........|L..yb...|
|00003bd0| a0 da fe c4 18 fd 0a 20 | 4d 4f 4e 45 59 20 54 49 |....... |MONEY TI|
|00003be0| 50 20 fd a0 fe c4 18 bf | b3 ff 3b b3 b3 ff 3b b3 |P ......|..;...;.|
|00003bf0| b3 ff 05 53 69 6e 63 65 | 20 45 53 4f 50 20 76 61 |...Since| ESOP va|
|00003c00| 6c 75 65 73 20 64 65 70 | 65 6e 64 20 6f 6e 20 73 |lues dep|end on s|
|00003c10| 74 6f 63 6b 20 70 72 69 | 63 65 73 20 28 77 68 69 |tock pri|ces (whi|
|00003c20| 63 68 ff 07 b3 b3 ff 05 | 63 61 6e 20 62 65 68 61 |ch......|can beha|
|00003c30| 76 65 20 6c 69 6b 65 20 | 61 20 72 6f 6c 6c 65 72 |ve like |a roller|
|00003c40| 20 63 6f 61 73 74 65 72 | 20 72 69 64 65 29 2c 20 | coaster| ride), |
|00003c50| 61 74 20 61 67 65 ff 08 | b3 b3 ff 05 35 35 2c 20 |at age..|....55, |
|00003c60| 69 66 20 79 6f 75 20 61 | 72 65 20 76 65 73 74 65 |if you a|re veste|
|00003c70| 64 2c 20 79 6f 75 20 73 | 68 6f 75 6c 64 20 64 69 |d, you s|hould di|
|00003c80| 76 65 72 73 69 66 79 20 | 69 6e 74 6f ff 06 b3 b3 |versify |into....|
|00003c90| ff 05 6f 74 68 65 72 20 | 66 6f 72 6d 73 20 6f 66 |..other |forms of|
|00003ca0| 20 72 65 74 69 72 65 6d | 65 6e 74 20 62 65 6e 65 | retirem|ent bene|
|00003cb0| 66 69 74 73 2e ff 13 b3 | b3 ff 3b b3 b3 ff 3b b3 |fits....|..;...;.|
|00003cc0| b3 ff 3b b3 b3 ff 3b b3 | b3 ff 3b b3 c0 fe c4 3b |..;...;.|..;....;|
|00003cd0| d9 fd 2f ff b7 00 00 01 | 00 06 00 15 00 18 00 4e |../.....|.......N|
|00003ce0| 00 88 9b 5b 91 f6 01 a0 | da fe c4 15 fd 0a 20 4d |...[....|...... M|
|00003cf0| 4f 4e 45 59 20 54 49 50 | 20 fd a0 fe c4 14 bf fd |ONEY TIP| .......|
|00003d00| f0 20 20 ba b3 fd a0 b3 | ff 34 b3 fd f0 20 20 ba |. .....|.4... .|
|00003d10| b3 fd a0 b3 ff 03 43 6f | 6e 73 75 6c 74 20 77 69 |......Co|nsult wi|
|00003d20| 74 68 20 79 6f 75 72 20 | 70 65 72 73 6f 6e 6e 65 |th your |personne|
|00003d30| 6c 20 64 65 70 61 72 74 | 6d 65 6e 74 20 74 6f 20 |l depart|ment to |
|00003d40| 66 69 6e 64 ff 03 b3 fd | f0 20 20 ba b3 fd a0 b3 |find....|. .....|
|00003d50| ff 03 6f 75 74 20 74 68 | 65 20 64 65 74 61 69 6c |..out th|e detail|
|00003d60| 73 20 6f 66 20 77 68 61 | 74 20 79 6f 75 72 20 63 |s of wha|t your c|
|00003d70| 6f 6d 70 61 6e 79 20 6f | 66 66 65 72 73 20 61 6e |ompany o|ffers an|
|00003d80| 64 20 20 b3 fd f0 20 20 | ba b3 fd a0 b3 ff 03 77 |d ... |.......w|
|00003d90| 68 65 74 68 65 72 20 69 | 74 73 20 70 65 6e 73 69 |hether i|ts pensi|
|00003da0| 6f 6e 20 70 6c 61 6e 73 | 20 63 6f 6d 70 6c 79 20 |on plans| comply |
|00003db0| 77 69 74 68 20 49 52 53 | 20 6c 69 6d 69 74 2d 20 |with IRS| limit- |
|00003dc0| b3 fd f0 20 20 ba b3 fd | a0 b3 ff 03 61 74 69 6f |... ...|....atio|
|00003dd0| 6e 73 2e ff 2a b3 fd f0 | 20 20 ba b3 fd a0 b3 ff |ns..*...| ......|
|00003de0| 34 b3 fd f0 20 20 ba b3 | fd a0 b3 ff 03 52 65 6d |4... ..|.....Rem|
|00003df0| 65 6d 62 65 72 2c 20 79 | 6f 75 20 61 72 65 20 75 |ember, y|ou are u|
|00003e00| 6c 74 69 6d 61 74 65 6c | 79 20 72 65 73 70 6f 6e |ltimatel|y respon|
|00003e10| 73 69 62 6c 65 20 66 6f | 72 ff 05 b3 fd f0 20 20 |sible fo|r..... |
|00003e20| ba b3 fd a0 b3 ff 03 49 | 52 53 20 63 6f 6d 70 6c |.......I|RS compl|
|00003e30| 69 61 6e 63 65 20 6f 66 | 20 79 6f 75 72 20 72 65 |iance of| your re|
|00003e40| 74 69 72 65 6d 65 6e 74 | 20 6e 65 73 74 20 65 67 |tirement| nest eg|
|00003e50| 67 20 69 6e ff 04 b3 fd | f0 20 20 ba b3 fd a0 b3 |g in....|. .....|
|00003e60| ff 03 77 68 61 74 65 76 | 65 72 20 66 6f 72 6d 20 |..whatev|er form |
|00003e70| 69 74 20 74 61 6b 65 73 | 2e ff 1a b3 fd f0 20 20 |it takes|...... |
|00003e80| ba b3 fd a0 b3 ff 34 b3 | fd f0 20 20 ba b3 fd a0 |......4.|.. ....|
|00003e90| b3 ff 34 b3 fd f0 20 20 | ba b3 fd a0 c0 fe c4 34 |..4... |.......4|
|00003ea0| d9 fd f0 20 20 ba b3 ff | 38 ba b3 ff 38 ba b3 ff |... ...|8...8...|
|00003eb0| 38 ba b3 fd fe ff 05 fd | f0 ff 33 ba b3 fd fe dc |8.......|..3.....|
|00003ec0| ff 03 fd f0 ff 2a fd f9 | da fe c4 09 d0 c1 fd e3 |.....*..|........|
|00003ed0| 20 20 fd 9e dc ff 2a fd | 9f 20 b3 ff 0b 00 00 01 | ....*.|. ......|
|00003ee0| 00 04 00 13 00 18 00 4e | 00 0c d1 e7 90 4d 01 f0 |.......N|.....M..|
|00003ef0| 20 fd e0 da fe c4 15 fd | 0e 20 4d 4f 4e 45 59 20 | .......|. MONEY |
|00003f00| 46 41 43 54 20 fd e0 fe | c4 15 bf fd f0 20 20 b3 |FACT ...|..... .|
|00003f10| 20 fd e0 b3 ff 36 b3 fd | f0 20 20 b3 20 fd e0 b3 | ....6..|. . ...|
|00003f20| ff 36 b3 fd f0 20 20 b3 | 20 fd e0 b3 ff 03 49 6e |.6... .| .....In|
|00003f30| 20 31 39 33 34 2c 20 74 | 68 65 20 53 6f 63 69 61 | 1934, t|he Socia|
|00003f40| 6c 20 53 65 63 75 72 69 | 74 79 20 74 61 78 20 72 |l Securi|ty tax r|
|00003f50| 61 74 65 20 77 61 73 20 | 31 25 2e ff 06 b3 fd f0 |ate was |1%......|
|00003f60| 20 20 b3 20 fd e0 b3 ff | 36 b3 fd f0 20 20 b3 20 | . ....|6... . |
|00003f70| fd e0 b3 ff 03 4e 6f 77 | 20 69 74 20 69 73 20 37 |.....Now| it is 7|
|00003f80| 2e 35 25 20 6f 66 20 79 | 6f 75 72 20 69 6e 63 6f |.5% of y|our inco|
|00003f90| 6d 65 2e ff 15 b3 fd f0 | 20 20 b3 20 fd e0 b3 ff |me......| . ....|
|00003fa0| 36 b3 fd f0 20 20 b3 20 | fd e0 b3 ff 36 b3 fd f0 |6... . |....6...|
|00003fb0| 20 20 b3 20 fd e0 b3 ff | 36 b3 fd f0 20 20 b3 20 | . ....|6... . |
|00003fc0| fd e0 b3 ff 36 b3 fd f0 | 20 20 b3 20 fd e0 b3 ff |....6...| . ....|
|00003fd0| 36 b3 fd f0 20 20 b3 20 | fd e0 b3 ff 36 b3 fd f0 |6... . |....6...|
|00003fe0| 20 20 b3 20 fd e0 c0 fe | c4 36 d9 fd f0 20 20 b3 | . ....|.6... .|
|00003ff0| ff 3b b3 ff 3b b3 ff 3b | b3 ff 3b b3 ff 3b b3 fd |.;..;..;|..;..;..|
|00004000| fe dc ff 05 fd f0 ff 35 | b3 fd e3 20 07 fd fe dc |.......5|... ....|
|00004010| 20 20 fd f0 ff 08 fd f9 | ff 12 fd f0 ff 11 fd f9 | ......|........|
|00004020| da fe c4 0a c1 fd e3 ff | 04 fd 9e dc ff 08 fd 9f |........|........|
|00004030| ff 1e fd 9e ff 04 fd 9f | 20 b3 ff 0b 00 00 01 00 |........| .......|
|00004040| 06 00 10 00 18 00 4f 00 | e8 e4 90 7c ca 01 a0 da |......O.|...|....|
|00004050| fe c4 18 fd 0a 20 4d 4f | 4e 45 59 20 54 49 50 20 |..... MO|NEY TIP |
|00004060| fd a0 fe c4 17 bf fd f0 | 20 b3 fd 2f 20 fd f0 20 |........| ../ .. |
|00004070| fd a0 b3 ff 3a b3 fd f0 | 20 b3 fd 2f 20 fd f0 20 |....:...| ../ .. |
|00004080| fd a0 b3 ff 3a b3 fd f0 | 20 b3 fd 2f 20 fd f0 20 |....:...| ../ .. |
|00004090| fd a0 b3 ff 05 59 6f 75 | 20 63 61 6e 20 63 6f 6d |.....You| can com|
|000040a0| 62 69 6e 65 20 72 65 67 | 75 6c 61 72 20 61 6e 64 |bine reg|ular and|
|000040b0| 20 76 6f 6c 75 6e 74 61 | 72 79 20 63 6f 6e 74 72 | volunta|ry contr|
|000040c0| 69 2d ff 08 b3 fd f0 20 | b3 fd 2f 20 fd f0 20 fd |i-..... |../ .. .|
|000040d0| a0 b3 ff 05 62 75 74 69 | 6f 6e 73 20 69 6e 20 6f |....buti|ons in o|
|000040e0| 6e 65 20 61 63 63 6f 75 | 6e 74 20 62 75 74 20 69 |ne accou|nt but i|
|000040f0| 74 20 6d 61 79 20 62 65 | 20 73 75 62 6a 65 63 74 |t may be| subject|
|00004100| 20 74 6f ff 06 b3 fd f0 | 20 b3 fd 2f 20 fd f0 20 | to.....| ../ .. |
|00004110| fd a0 b3 ff 05 63 75 6d | 62 65 72 73 6f 6d 65 20 |.....cum|bersome |
|00004120| 49 52 53 20 72 65 70 6f | 72 74 69 6e 67 20 61 6e |IRS repo|rting an|
|00004130| 64 20 77 69 74 68 64 72 | 61 77 61 6c 20 72 65 71 |d withdr|awal req|
|00004140| 75 69 72 65 2d ff 05 b3 | fd f0 20 b3 fd 2f 20 fd |uire-...|.. ../ .|
|00004150| f0 20 fd a0 b3 ff 05 6d | 65 6e 74 73 2e ff 2f b3 |. .....m|ents../.|
|00004160| fd f0 20 b3 fd 2f 20 fd | f0 20 fd a0 b3 ff 3a b3 |.. ../ .|. ....:.|
|00004170| fd f0 20 b3 fd 2f 20 fd | f0 20 fd a0 b3 ff 3a b3 |.. ../ .|. ....:.|
|00004180| fd f0 20 b3 fd 2f 20 fd | f0 20 fd a0 b3 ff 3a b3 |.. ../ .|. ....:.|
|00004190| fd f0 20 b3 fd 2f 20 fd | f0 20 fd a0 b3 ff 3a b3 |.. ../ .|. ....:.|
|000041a0| fd f0 20 b3 fd 2f 20 fd | f0 20 fd a0 b3 ff 3a b3 |.. ../ .|. ....:.|
|000041b0| fd f0 20 b3 fd 2f 20 fd | f0 20 fd a0 c0 fe c4 3a |.. ../ .|. .....:|
|000041c0| d9 fd f0 20 b3 fd 2f 20 | fd f0 ff 3e b3 fd 2f 20 |... ../ |...>../ |
|000041d0| fd f0 ff 3e b3 fd 2f 20 | fd f0 ff 3e b3 fd 2f 20 |...>../ |...>../ |
|000041e0| fd f0 ff 3e b3 fd 2f 20 | fd f0 20 fd e3 20 fa 20 |...>../ |.. .. . |
|000041f0| 20 07 fd fe dc 20 20 fd | f0 ff 2b fd f9 da fe c4 | .... .|..+.....|
|00004200| 09 c1 fd 2f 20 fd f0 c4 | fd e3 2e ff 06 fd 9e dc |.../ ...|........|
|00004210| ff 2a fd 9f 20 b3 ff 0c | 00 00 01 00 03 00 0f 00 |.*.. ...|........|
|00004220| 12 00 4c 00 16 52 4b 91 | 10 01 2f ff 04 fd a0 da |..L..RK.|../.....|
|00004230| fe c4 14 fd 0a 20 4d 4f | 4e 45 59 20 54 49 50 20 |..... MO|NEY TIP |
|00004240| fd a0 fe c4 13 bf fd 2f | ff 0a fd a0 b3 ff 32 b3 |......./|......2.|
|00004250| fd 2f ff 0a fd a0 b3 20 | 48 6f 6c 64 65 72 73 20 |./..... |Holders |
|00004260| 6f 66 20 4b 65 6f 67 68 | 73 20 6d 61 79 20 61 6c |of Keogh|s may al|
|00004270| 73 6f 20 63 6f 6e 74 72 | 69 62 75 74 65 20 74 6f |so contr|ibute to|
|00004280| 20 61 6e 20 49 52 41 20 | 20 b3 fd 2f ff 0a fd a0 | an IRA | ../....|
|00004290| b3 20 69 66 20 74 68 65 | 69 72 20 74 6f 74 61 6c |. if the|ir total|
|000042a0| 20 63 6f 6e 74 72 69 62 | 75 74 69 6f 6e 20 74 6f | contrib|ution to|
|000042b0| 20 62 6f 74 68 20 70 6c | 61 6e 73 20 66 61 6c 6c | both pl|ans fall|
|000042c0| 73 20 20 b3 fd 2f ff 0a | fd a0 b3 20 77 69 74 68 |s ../..|... with|
|000042d0| 69 6e 20 49 52 53 20 67 | 75 69 64 65 6c 69 6e 65 |in IRS g|uideline|
|000042e0| 73 2e ff 1b b3 fd 2f ff | 0a fd a0 b3 ff 32 b3 fd |s...../.|.....2..|
|000042f0| 2f ff 0a fd a0 b3 ff 32 | b3 fd 2f ff 0a fd a0 b3 |/......2|../.....|
|00004300| ff 32 b3 fd 2f ff 0a fd | a0 b3 ff 32 b3 fd 2f ff |.2../...|...2../.|
|00004310| 0a fd a0 b3 ff 32 b3 fd | 2f ff 0a fd a0 b3 ff 32 |.....2..|/......2|
|00004320| b3 fd 2f ff 0a fd a0 b3 | ff 32 b3 fd 2f ff 0a fd |../.....|.2../...|
|00004330| a0 c0 fe c4 32 d9 fd 2f | ff c0 00 00 01 00 04 00 |....2../|........|
|00004340| 10 00 12 00 4b 00 ba 89 | e7 90 2b 01 2f 20 20 fd |....K...|..+./ .|
|00004350| a0 da fe c4 16 fd 0a 20 | 4d 4f 4e 45 59 20 54 49 |....... |MONEY TI|
|00004360| 50 20 fd a0 fe c4 15 bf | fd 2f ff 04 fd a0 b3 ff |P ......|./......|
|00004370| 36 b3 fd 2f ff 04 fd a0 | b3 ff 36 b3 fd 2f ff 04 |6../....|..6../..|
|00004380| fd a0 b3 ff 03 44 65 66 | 69 6e 65 64 20 42 65 6e |.....Def|ined Ben|
|00004390| 65 66 69 74 20 4b 65 6f | 67 68 73 20 61 72 65 20 |efit Keo|ghs are |
|000043a0| 73 6f 20 63 6f 6d 70 6c | 65 78 20 61 6e 64 ff 0a |so compl|ex and..|
|000043b0| b3 fd 2f ff 04 fd a0 b3 | ff 03 76 61 72 69 65 64 |../.....|..varied|
|000043c0| 20 74 68 61 74 20 79 6f | 75 20 61 72 65 20 61 64 | that yo|u are ad|
|000043d0| 76 69 73 65 64 20 74 6f | 20 67 65 74 20 61 6e 20 |vised to| get an |
|000043e0| 61 63 63 6f 75 6e 74 61 | 6e 74 ff 03 b3 fd 2f ff |accounta|nt..../.|
|000043f0| 04 fd a0 b3 ff 03 74 6f | 20 61 73 73 69 73 74 20 |......to| assist |
|00004400| 79 6f 75 20 69 6e 20 65 | 73 74 61 62 6c 69 73 68 |you in e|stablish|
|00004410| 69 6e 67 20 61 6e 64 20 | 6d 61 69 6e 74 61 69 6e |ing and |maintain|
|00004420| 69 6e 67 ff 06 b3 fd 2f | ff 04 fd a0 b3 ff 03 6f |ing..../|.......o|
|00004430| 6e 65 2e ff 2f b3 fd 2f | ff 04 fd a0 b3 ff 36 b3 |ne../../|......6.|
|00004440| fd 2f ff 04 fd a0 b3 ff | 36 b3 fd 2f ff 04 fd a0 |./......|6../....|
|00004450| b3 ff 36 b3 fd 2f ff 04 | fd a0 b3 ff 36 b3 fd 2f |..6../..|....6../|
|00004460| ff 04 fd a0 b3 ff 36 b3 | fd 2f ff 04 fd a0 c0 fe |......6.|./......|
|00004470| c4 36 d9 fd 2f ff 7a 00 | 00 01 00 03 00 0f 00 15 |.6../.z.|........|
|00004480| 00 4c 00 42 09 84 93 1a | 01 2f ff 43 fd a0 da fe |.L.B....|./.C....|
|00004490| c4 14 fd 0a 20 4d 4f 4e | 45 59 20 54 49 50 20 fd |.... MON|EY TIP .|
|000044a0| a0 fe c4 13 bf fd 2f ff | 0a fd a0 b3 ff 32 b3 fd |....../.|.....2..|
|000044b0| 2f ff 0a fd a0 b3 ff 32 | b3 fd 2f ff 0a fd a0 b3 |/......2|../.....|
|000044c0| 20 54 53 41 20 68 6f 6c | 64 65 72 73 20 6d 61 79 | TSA hol|ders may|
|000044d0| 20 61 6c 73 6f 20 62 6f | 72 72 6f 77 20 75 70 20 | also bo|rrow up |
|000044e0| 74 6f 20 24 35 30 2c fe | 30 03 20 74 6f ff 05 b3 |to $50,.|0. to...|
|000044f0| fd 2f ff 0a fd a0 b3 20 | 70 75 72 63 68 61 73 65 |./..... |purchase|
|00004500| 20 6f 72 20 72 65 6e 6f | 76 61 74 65 20 61 20 68 | or reno|vate a h|
|00004510| 6f 75 73 65 2c 20 70 72 | 6f 76 69 64 69 6e 67 20 |ouse, pr|oviding |
|00004520| 79 6f 75 20 68 61 76 65 | 20 b3 fd 2f ff 0a fd a0 |you have| ../....|
|00004530| b3 20 61 74 20 6c 65 61 | 73 74 20 24 31 30 30 2c |. at lea|st $100,|
|00004540| fe 30 03 20 69 6e 20 74 | 68 65 20 61 63 63 6f 75 |.0. in t|he accou|
|00004550| 6e 74 2e ff 10 b3 fd 2f | ff 0a fd a0 b3 ff 32 b3 |nt...../|......2.|
|00004560| fd 2f ff 0a fd a0 b3 ff | 32 b3 fd 2f ff 0a fd a0 |./......|2../....|
|00004570| b3 ff 32 b3 fd 2f ff 0a | fd a0 b3 ff 32 b3 fd 2f |..2../..|....2../|
|00004580| ff 0a fd a0 b3 ff 32 b3 | fd 2f ff 0a fd a0 b3 ff |......2.|./......|
|00004590| 32 b3 fd 2f ff 0a fd a0 | c0 fe c4 32 d9 fd 2f ff |2../....|...2../.|
|000045a0| ff ff 3c 00 00 01 00 03 | 00 0f 00 15 00 4c 00 4e |..<.....|.....L.N|
|000045b0| 71 84 93 49 01 2f ff 43 | fd e0 da fe c4 13 fd 0e |q..I./.C|........|
|000045c0| 20 4d 4f 4e 45 59 20 46 | 41 43 54 20 fd e0 fe c4 | MONEY F|ACT ....|
|000045d0| 13 bf fd 2f ff 0a fd e0 | b3 ff 32 b3 fd 2f ff 0a |.../....|..2../..|
|000045e0| fd e0 b3 ff 32 b3 fd 2f | ff 0a fd e0 b3 20 41 6e |....2../|..... An|
|000045f0| 6e 75 69 74 69 65 73 20 | 77 65 72 65 20 69 6e 76 |nuities |were inv|
|00004600| 65 6e 74 65 64 20 62 79 | 20 74 68 65 20 42 61 62 |ented by| the Bab|
|00004610| 79 6c 6f 6e 69 61 6e 73 | ff 07 b3 fd 2f ff 0a fd |ylonians|..../...|
|00004620| e0 b3 20 61 72 6f 75 6e | 64 20 32 35 30 30 20 42 |.. aroun|d 2500 B|
|00004630| 43 2e ff 22 b3 fd 2f ff | 0a fd e0 b3 ff 32 b3 fd |C.."../.|.....2..|
|00004640| 2f ff 0a fd e0 b3 20 4c | 61 6e 64 6f 77 6e 65 72 |/..... L|andowner|
|00004650| 73 20 77 6f 75 6c 64 20 | 73 65 74 20 61 73 69 64 |s would |set asid|
|00004660| 65 20 74 68 65 20 69 6e | 63 6f 6d 65 20 66 72 6f |e the in|come fro|
|00004670| 6d 20 61 ff 05 b3 fd 2f | ff 0a fd e0 b3 20 70 61 |m a..../|..... pa|
|00004680| 72 74 20 6f 66 20 74 68 | 65 69 72 20 70 72 6f 70 |rt of th|eir prop|
|00004690| 65 72 74 79 20 74 6f 20 | 70 72 6f 76 69 64 65 20 |erty to |provide |
|000046a0| 66 6f 72 20 61 20 72 65 | 6c 61 74 69 76 65 20 b3 |for a re|lative .|
|000046b0| fd 2f ff 0a fd e0 b3 20 | 6f 72 20 61 20 77 6f 72 |./..... |or a wor|
|000046c0| 74 68 79 20 73 65 72 76 | 61 6e 74 2e ff 1d b3 fd |thy serv|ant.....|
|000046d0| 2f ff 0a fd e0 b3 ff 32 | b3 fd 2f ff 0a fd e0 b3 |/......2|../.....|
|000046e0| ff 32 b3 fd 2f ff 0a fd | e0 b3 ff 32 b3 fd 2f ff |.2../...|...2../.|
|000046f0| 0a fd e0 c0 fe c4 32 d9 | fd 2f ff ff ff 3c 00 00 |......2.|./...<..|
|00004700| 01 00 03 00 10 00 18 00 | 4e 00 4c 86 83 87 a9 01 |........|N.L.....|
|00004710| f0 ff 3d b3 ff 05 fd a0 | da fe c4 14 fd 0a 20 4d |..=.....|...... M|
|00004720| 4f 4e 45 59 20 54 49 50 | 20 fd a0 fe c4 13 bf fd |ONEY TIP| .......|
|00004730| f0 ff 05 b3 ff 05 fd a0 | b3 ff 32 b3 fd f0 ff 05 |........|..2.....|
|00004740| b3 ff 05 fd a0 b3 ff 32 | b3 fd f0 ff 05 b3 ff 05 |.......2|........|
|00004750| fd a0 b3 20 55 73 65 20 | 74 68 65 20 72 75 6c 65 |... Use |the rule|
|00004760| 20 6f 66 20 37 32 20 74 | 6f 20 65 73 74 69 6d 61 | of 72 t|o estima|
|00004770| 74 65 20 68 6f 77 20 6c | 6f 6e 67 20 69 74 20 77 |te how l|ong it w|
|00004780| 69 6c 6c 20 20 b3 fd f0 | ff 05 b3 ff 05 fd a0 b3 |ill ...|........|
|00004790| 20 74 61 6b 65 20 74 6f | 20 64 6f 75 62 6c 65 20 | take to| double |
|000047a0| 79 6f 75 72 20 6d 6f 6e | 65 79 2e 20 20 44 69 76 |your mon|ey. Div|
|000047b0| 69 64 65 20 37 32 20 62 | 79 20 74 68 65 ff 05 b3 |ide 72 b|y the...|
|000047c0| fd f0 ff 05 b3 ff 05 fd | a0 b3 20 65 78 70 65 63 |........|.. expec|
|000047d0| 74 65 64 20 61 6e 6e 75 | 61 6c 20 72 61 74 65 20 |ted annu|al rate |
|000047e0| 6f 66 20 72 65 74 75 72 | 6e 20 74 6f 20 67 65 74 |of retur|n to get|
|000047f0| 20 74 68 65 20 6e 75 6d | 62 65 72 20 b3 fd f0 ff | the num|ber ....|
|00004800| 05 b3 ff 05 fd a0 b3 20 | 6f 66 20 79 65 61 72 73 |....... |of years|
|00004810| 20 74 6f 20 64 6f 75 62 | 6c 65 20 79 6f 75 72 20 | to doub|le your |
|00004820| 61 73 73 65 74 73 2e ff | 12 b3 fd f0 ff 05 b3 ff |assets..|........|
|00004830| 05 fd a0 b3 ff 32 b3 fd | f0 ff 05 b3 ff 05 fd a0 |.....2..|........|
|00004840| b3 ff 32 b3 fd f0 ff 05 | b3 ff 05 fd a0 b3 ff 32 |..2.....|.......2|
|00004850| b3 fd f0 ff 05 b3 ff 05 | fd a0 b3 ff 32 b3 fd f0 |........|....2...|
|00004860| ff 05 b3 ff 05 fd a0 b3 | ff 32 b3 fd f0 ff 05 b3 |........|.2......|
|00004870| ff 05 fd a0 c0 fe c4 32 | d9 fd f0 ff 05 b3 ff 3e |.......2|.......>|
|00004880| b3 ff 3e b3 ff 3e b3 ff | 3e b3 ff 3e b3 ff 3e b3 |..>..>..|>..>..>.|
|00004890| 20 fd e3 20 fa 20 20 07 | fd fe dc 20 20 fd f0 ff | .. . .|... ...|
|000048a0| 2b fd f9 da fe c4 09 c1 | c4 fd e3 2e ff 06 fd 9e |+.......|........|
|000048b0| dc ff 2a fd 9f 20 b3 ff | 0b 00 00 01 00 00 00 00 |..*.. ..|........|
|000048c0| 00 0c 00 33 00 9c d8 61 | 90 00 01 a0 da fe c4 14 |...3...a|........|
|000048d0| fd 0a 20 4d 4f 4e 45 59 | 20 54 49 50 20 fd a0 fe |.. MONEY| TIP ...|
|000048e0| c4 13 bf b3 ff 32 b3 b3 | 20 4d 61 6b 65 20 73 75 |.....2..| Make su|
|000048f0| 72 65 20 79 6f 75 20 63 | 68 65 63 6b 20 65 6d 70 |re you c|heck emp|
|00004900| 6c 6f 79 65 72 20 63 6f | 6e 74 72 69 62 75 74 69 |loyer co|ntributi|
|00004910| 6f 6e 73 20 74 6f ff 04 | b3 b3 20 61 6e 79 20 72 |ons to..|.. any r|
|00004920| 65 74 69 72 65 6d 65 6e | 74 20 70 6c 61 6e 20 79 |etiremen|t plan y|
|00004930| 6f 75 20 68 61 76 65 20 | 62 65 63 61 75 73 65 20 |ou have |because |
|00004940| 59 4f 55 20 62 65 61 72 | ff 04 b3 b3 20 74 68 65 |YOU bear|.... the|
|00004950| 20 72 65 73 70 6f 6e 73 | 69 62 69 6c 69 74 79 20 | respons|ibility |
|00004960| 66 6f 72 20 6f 76 65 72 | 2d 63 6f 6e 74 72 69 62 |for over|-contrib|
|00004970| 75 74 69 6e 67 20 61 6e | 64 20 74 68 65 20 b3 b3 |uting an|d the ..|
|00004980| 20 62 75 72 64 65 6e 20 | 6f 66 20 70 65 6e 61 6c | burden |of penal|
|00004990| 74 69 65 73 2e ff 1d b3 | b3 ff 32 b3 b3 ff 32 b3 |ties....|..2...2.|
|000049a0| b3 ff 32 b3 b3 ff 32 b3 | b3 ff 32 b3 b3 ff 32 b3 |..2...2.|..2...2.|
|000049b0| c0 fe c4 14 fd 0f af fd | 0e 52 45 54 55 52 4e 11 |........|.RETURN.|
|000049c0| c4 d9 fd 0f ae fd a0 fe | c4 13 d9 00 00 |........|..... |
+--------+-------------------------+-------------------------+--------+--------+