Well get ready for the Simmons Plan.

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The savings plan version has lots of names- stakeholder, or money-purchase, for instance, but what you get as a pension income depends on how well your plan does.

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Well, the magical moisture-absorbing material may get even better, as the plan is to increase the amount of water the material can hold and lower the temperature threshold for its release.

ENGADGET

The model for personal accounts would be the federal Thrift Savings Plan. (Millions of federal workers currently get their choice of well-diversified funds that are regulated for safety and soundness.) Participants could avoid the equity markets altogether by opting for government bond funds and bank CDs.

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It would be too much of a spoiler to get into what happened, but I thought the plan had quite a bit of merit and might well have worked.

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"You can plan all you want, but you can't get the same experience as with a well-connected guide, " says Kessler.

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Plan to get your application ready the summer before senior year, so you can focus on doing well in those tough senior-level courses.

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