Carla Pasternak's Premiere Issue of High-Yield International Just Released!
Don't miss out on the most generous yields in a generation -- we're talking about stocks yielding as much as 21.1%. Income expert Carla Pasternak's debut issue of High-Yield International covers a Taiwanese manufacturer yielding 11%... a rare Mexican monopoly yielding 12.7%... and other top-performing investments yielding up to 21.1%. Carla Made the Leap Abroad, Find Out Why Should Too!

Just One Stock Every Month is All You'll Ever Need
Buffett recently claimed that diversification doesn't make much sense. This sort of thinking is why we've recently taken this "Keep it Simple" approach. Just one pick per month. In fact, expert analyst Amy Calistri has already put this technique to the test. She is up +22% in this bear market.
Click here to get her latest pick now.




Government's Biofuel Timetable Could Spell +15,900% Growth

+15,900% growth might seem far-fetched... but it's not. In fact, it is mandated by law. And I've identified the ONLY stock positioned to capture this growth. Visit this link to watch the video and learn more.
 


Get the Monthly Payments You Need With This 9.5%-Yielder
During the market turmoil of the past year, this stock has been our haven. Through thick and thin it has never failed to pay us the same juicy dividend every month. (Currently it yields a nice 9.5%.) Also, while the market seesawed, this stock held steady. Over the last year it's outperformed the S&P 500 by more than +43%! So if you're looking to beat the market, and secure a reliable monthly income stream, then you need to take a look at this stock. Go here to get the details.

Seven “Yield Doubler” Stocks That Are Clobbering The Dow
Just 12 trading days before the market hit its 6,500-point low this year, the “Yield Doublers” portfolio was born. That was 4 months ago. The Dow has rebounded +12% since then -- but our seven “Yield Doublers” have clobbered that figure by a factor of up to 9-to-1… delivering up to +144.2% gains to boot! Go here to see why you should add these “Yield Doublers” to your portfolio today. Go here to see why you should add these “Yield Doublers” to your portfolio today.

Find Out Which of the Rarest Securities on Earth Carries An Average 17.2% Dividend Yield
Knock-out returns are available from a rare security that combines stocks and bonds. Grow $10,000 into $35,598 -- or even $25,000 into $88,994! There are only eight of these securities in the world. Learn more by clicking here!


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Important Updates for Investors

Carla Pasternak's Premiere Issue of High-Yield International Just Released
Income expert Carla Pasternak's debut issue of High-Yield International covers a Taiwanese manufacturer yielding 9.5%... a rare Mexican monopoly yielding 13.4%... and other top-performing investments yielding up to 19.0%.
 

Government's Biofuel Timetable Could Spell +15,900% Growth
+15,900% growth might seem far-fetched... but it's not. In fact, it is mandated by law. And I've identified the ONLY stock positioned to capture this growth.

The Silver Lining to a Falling Dollar
Despite the U.S. national debt, there is a silver lining for income investors. This massive spending, combined with movement out of U.S. Treasuries, is going to take its toll on the dollar, and international income investors could reap the rewards in the form of higher dividends.



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403(b) Retirement Plan

A 403(b) plan is a tax-advantaged salary deferral retirement program for employees of educational institutions and certain other non-profit organizations. 403(b) plans must be sponsored by the institution, which then acts in the capacity of a fiduciary. The employer is responsible for establishing the plan and selecting the plan investments. Once the plan has been established, the employee defers a portion of his/her annual salary into the fund. The first 403(b) plan, which was established in 1961, was named after a section of the Internal Revenue Code.

ERISA
403(b)s are tax-qualified plans covered by the Employee Retirement Income Security Act of 1974 (ERISA), which states that 403(b) assets are protected from creditors. Other types of defined contribution retirement plans include 401(k) plans that cover workers in non-profit organizations, as well as the 457 plan, which covers local and state government employees.

Contributions
Organizations offer 403(b) tax deferred retirement plans to eligible employees to allow for long-term investment growth. Contributions to these plans generally take one of three forms:

a.)  The employer makes contributions to the plan through a salary-reduction agreement.
b.)  The employee makes contributions to the plan.
c.)  The employee makes contributions to the plan and the employer makes a matching contribution.

In 2004 the pre-tax contribution limit for a 403(b) retirement plan was $13,000. The contribution limit increases to $14,000 in 2005 and $15,000 in 2006.

403(b) Age 50 + Catch-Up
Participants who are age 50 and over are eligible to make additional annual contributions to the 403(b) plan beginning in the year they turn 50. If a participant is already contributing the maximum amount to his/her 403(b) plan, then he/she may also be able to contribute even more using the Catch-Up Contribution. In 2004, the Age 50+ catch-up contribution limit was $3,000. That figure increases to $4,000 in 2005 and $5,000 in 2006.

403(b) Lifetime Catch-Up
This provision is available to employees who have completed at least 15 years of service, and allows participants to contribute up to $3,000 in addition to the regular contribution limit. To qualify for the Lifetime Catch-Up, the 403(b) plan participant must also have contributed an average of less than $5,000 a year to the plan. The maximum lifetime limit for this catch-up provision is $15,000.

Taxes and Distributions
Taxes on 403(b) plan contributions and earnings are deferred until the plan owner takes a distribution from the plan. When money is withdrawn it is taxed as regular income. Withdrawals are typically made at or after the plan owner has reached the age of 59 1/2. If the plan owner withdraws money from the account prior to retirement age, then he/she will incur a 10% penalty payable to the IRS (unless specific circumstances apply).

403(b) Investment Options
Unlike 401(k) plans, 403(b) plan participants cannot invest in individual stocks. Investment options specific to 403(b) plans include:

  • Annuity and variable annuity contracts with insurance companies.
  • A custodial account that consists of mutual funds. This is called a 403(b) (7).
  • Retirement income accounts for churches.

Questions and Answers:

1.  Can a 403(b) be rolled into an IRA?

Yes. A 403(b) can be rolled into an IRA when the participant:

  • Is no longer working at the organization.
  • Retires.
  • Becomes disabled.
  • Dies.

2.  What are the options for a 403(b) plan when changing jobs?

  • Transfer the 403(b) plan assets into your new employer's 403(b) plan.
  • Roll the 403(b) plan assets to a Rollover IRA.
  • You can leave the 403(b) where it is, especially if you like your investment choices. However, if the balance is below $5,000, then some employers will require the plan participant to rollover the money.
  • 403(b) assets cannot be rolled into a 401(k) and vice versa.

3.  When can 403(b) money be withdrawn without penalty?

A plan participant can withdraw penalty-free distributions from a 403(b) as long as one of the following conditions applies:

Reaches age 59 ˝.

  • Separates from service in order to retire.
  • Becomes disabled.
  • Through a loan (some companies will not allow this).
  • Suffers financial hardship.
  • Dies.

 



Who Cares What the Market is Doing When You're Pulling in $28,900 a Year in Dividends?
With the safe, growing, high-yield picks that Editor Carla Pasternak recommends every month you don't have to worry whether or not the market has bottomed. You can sit back and collect annual dividend paychecks of $16,300, $19,900 or even $28,900! You can't go wrong looking into Carla's recommendations. A year from now, when you've collected as much as $28,900 from dividends alone you'll be glad you did. Take the first step and, read this report now.


Seven "Yield Doubler" Stocks That Are Clobbering The Dow
Just 12 trading days before the market hit its 6,500-point low this year, the "Yield Doublers" portfolio was born. That was almost 4 months ago. The Dow has rebounded +12% since then -- but our seven "Yield Doublers" have clobbered that figure by a factor of up to 9-to-1... delivering up to +144.2% gains to boot! Go here to see why you should add these "Yield Doublers" to your portfolio today.



We're Putting $50,000 on the Line in Our NEW Stock of the Month Portfolio
We're SO confident in this strategy that we're putting our money where our mouth is... $50,000 worth of it in fact! That's how much we've put into a brokerage account to fund the real-money portfolio for StreetAuthority Stock of the Month. Amy Calistri just made her first purchase, and it's not too late for you to join in and follow along with everything she does. Don't be left on the sidelines, click here to learn more now.


Two Infrastructure Stocks That Are Profiting From Massive Government Spending
Since the stimulus package was signed into law on February 17th, these two infrastructure picks have moved up quickly. One's a worldwide construction company that's already gained +32% to date. The other makes critical copper, aluminum and fiber optic cables... and shot up +41% in a matter of just weeks. Both are headed higher. You’ll find their names in this special report.




6 Free Months of Bernie Schaeffer's Option Advisor
Learn the secrets of successful options trading from top trader, Bernie Schaeffer. Start your free 6-month subscription to The Option Advisor newsletter now and get free online access to Bernie's Crash Course in Top Gun Trading Techniques.

3 Penny Stocks Poised to Soar 300%
By the time Wall Street notices the 3 picks revealed in this report, you could be sitting on a fortune.  Click here to get immediate access to an exclusive Free report -- "3 Underground Penny Stocks Poised to Soar."

 

Investor's Business Daily (IBD)
Get 10 Free Issues of Investor's Business Daily (IBD) – Plus 2 Free Weeks of Investors.com

52 Wins in 52 Weeks - 365 Days Without A Loss
Success Trading Group scored 52 wins in 52 weeks! Get their weekend newsletters free and register for Success Trading Group's next stock picks free for 30 days!

 

Investing Doesn't Get Any Easier Than This

Stock picker Amy Calistri's strategy is as simple as investing gets -- just one idea a month designed to make money in today's market. Invest this way and you don't have to worry about oil prices, automaker bailouts, or what the Fed is up to -- because every "bad" economic development actually helps some investment or another.Your investing life can get a lot simpler -- starting today.
Go here to learn about Amy's simple investing strategy.
 


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