If you like to go for an evening scramble after you set up camp, look for a pack with a daypack conversion option.

考虑多功能性。假如你喜欢在设立营地后进行夜晚的攀登，寻找一个有可转换的小型轻便包的背包。

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At Vanguard, only two dozen out of 2, 500 plans it administers are offering the conversion option for 2010.

FORBES: Roth Conversions In 401(k)s For Real In 2010

He says a lot of big employers and record keepers felt it was too late to offer the in-plan conversion option this year.

FORBES: Roth Conversions In 401(k)s For Real In 2010

For starters, the majority of defined-contribution plans haven't added the Roth 401(k) in-plan conversion option since it was created by a federal law nearly two years ago.

WSJ: Family Value: Is It Time to Convert