In a sense, however, the fact that states and districts are laying off teachers and cutting pre-K and other programs is itself a form of policy choice.
The technique is known as dollar-cost averaging, and it's essentially what you do when you invest a set part of your paycheck every pay period via a 401(k) or other employer-sponsored retirement plan.
K-J bottles are priced a few dollars higher than other mainstream wines.
Salesforce.com filed an 8-K a few days ago to disclose that Benioff (and other top executives) had gotten a raise for fiscal 2014, which starts February 1, 2013.
First, a broad-based policy: IRAs, 401(k)s, and other retirement savings vehicles are tax favored, but trying to grow the economy while discouraging savings is illogical.
FORBES: Tough Politics Are the Barriers To True Tax Simplification
Having tried and failed to get anywhere with incremental changes in recent years, Rhode Island will soon have a hybrid pension structure that puts the bulk of contributions into a 401(k)-type plan that public workers can take with them to other jobs.
Citing a study from Merrill Lynch, the CTIA chart says the average U.S. consumer pays 5 cents per minute for voice service--a rate cheaper than other advanced telecom markets, such as the U.K., Germany, South Korea and Japan.
Zynga has made clear its interest in real money gaming for some time, and in October announced a partnership with U.K.-based bwin.party to offer online poker and other real money games in the U.K. in the first half of 2013.
To those who work in schools and districts and in other areas of the K-12 education system, send me a note or post a comment here or via Twitter on what regulations create difficulty in innovating toward a student-centric system that allows each child to realize her human potential.
FORBES: The Department of Education: Serious About Transformation
For individuals looking to buy real estate, precious metals, or make other non-traditional investments, or seeking to secure a loan from their solo 401(k), an alternative option exists.
Consider annuities if you (a) are in a high tax bracket (b) have exhausted other forms of tax-favored retirement savings, like 401(k)s and IRAs and (c) want to own more bonds, especially corporate bonds.
Unlike a regular 401(k) plan, a solo 401(k) plan can be implemented only by self-employed individuals or small business owners who have no other full-time employees (an exception applies if your full-time employee is your spouse).
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