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One of the best ways to prepare yourself for conducting a SWOT analysis is to use example SWOT analyses for help and inspiration. Even if you already know what a SWOT analysis is and what it’s used for, it can be tough to translate that information and examine your own business with a critical eye. All of our SWOT analysis examples are based on real businesses that we’ve featured in our gallery of free example business plans.
When you’re ready to get started on your own SWOT analysis, you can use our free SWOT analysis template (available as a PDF). Sedibeng Breweries is a medium-scale brewery located in the growing industrial centre of Selebi Phikwe, Botswana. Botanical Bounty is an Oregon-based perennial farm that grows a variety of botanical, medicinal plants. Botantical Bounty needs to establish its reputation as a highly-efficient, high-potency medicinal herb grower, and one effective and inexpensive way to do that would be to lean on loyal customer testimonials in the company’s marketing strategy.
UPer Crust Pies is a specialty meat and fruit pie cafe in Michigan’s Upper Peninsula that sells hot, ready-to-go pies and frozen take-home options, as well as an assortment of fresh salads and beverages. Because UPer Crust Pies wants to implement such a specific marketing strategy—targeting working families by emphasizing that their dinner option is both healthy and convenient—the company should develop a marketing plan. Haley’s Vintage Hats is an online-only business that sells unique and affordable replicas of vintage designer hats. Haley’s expertise as a milliner makes her a great candidate for hiring an apprentice, or intern, and developing an apprenticeship program could help the company cheaply expand its production capacity and support the increase in sales that would come with its expanded marketing efforts. Replay Plastics recycles plastic waste into commercially viable products, using environmentally-friendly methods. A weakness that may deter investors is NovOculi’s lack of relationship with the medical device distribution community.
To understand ourselves it is important to understand our ancestors, and a part of them, and their heritage, lives on in us today. To the world the American Indians seemed like a forgotten people when the English colonists first arrived and began to occupy their lands. I want to give special thanks to my cousin, Mary Hilliard, for her assistance and encouragement in researching and preparing this book.
Wherever possible I have tried to find at least two sources for the genealogical data, but this has not always been possible. I have also found Franklin Elewatum Bearce's history, Who Our Forefathers Really Were, A True Narrative of Our White and Indian Ancestors, to be very helpful. It is certainly possible that such a record may contain errors, but it is also very fortunate that we have access to this record as it presents firsthand knowledge of some of the individuals discussed in this book. 8 Newcomba€? Cpt. Sometime before the colonial period, the Iroquoian tribes began moving from the southern plains eastward across the Mississippi River and then northeasterly between the Appalachians and the Ohio River Valley, into the Great Lakes region, then through New York and down the St.
Though they were neighbors and had similar skin color, these two groups of Indians were as dissimilar as the French and the Germans in Europe. Federations, as well as the individual tribes, were fluid organizations to the extent that the sachem was supported as long as he had the strength to maintain his position. Belonging to a federation meant that an annual tribute had to be sent to support the great sachem and his household, warriors had to be sent if he called for a given number to go to war, and strictest obedience and fidelity was demanded. Some of these federations had as many as thirty member tribes supporting their Great Sachem, although many of these tribes would be counted by more than one sachem, as any tribe that was forced to pay tribute was considered as part of that Great Sachem's federation.
Any member of the society who dishonored himself, in anyway, was no longer worthy of the respect of his people.
When viewing the typical Indians of America, one would describe them as having a dark brown skin. They wore relatively little clothing, especially in summer, although the women were usually somewhat more modest than the men. The English resented the fact that the Indians wouldn't convert to Christianity as soon as the missionaries came among them.
The various tribes of New England spoke basically the same language and could understand each other well. There are many words used commonly in our language today that were learned from these New England Indians: Squaw, wigwam, wampum, pow-wow, moccasin, papoose, etc. Today there is little doubt that prior to Columbus's voyage, the Norsemen sailed to the coast of North America early in the eleventh century. We do not have a record of all of the European contact and influence on the Indians in the early years of exploration because the greatest exposure came from the early European fishermen and trappers who kept no records of their adventures, as opposed to the explorers. In 1524, Giovanni da Verrazano wrote the first known description of a continuous voyage up the eastern coast of North America. As the fur trade became increasingly more important to Europeans, they relied heavily on the Indians to do the trapping for them. Another problem with which the Indians had to contend was the White man's diseases for which they had no tolerance nor immunity. In the spring of 1606, Gorges sent Assacumet and Manida, as guides on a ship with Captain Henry Chalons, to New England to search for a site for a settlement.
In 1614, Captain John Smith, who had already been involved in the colony at James Town, Virginia, was again commissioned to take two ships to New England in search of gold, whales or anything else of value. Dermer wanted to trade with the local Indians of the Wampanoag Federation and asked Squanto if he would guide them and be their interpreter. Derner was given safe passage through Wampanoag land by Massasoit and soon returned to his ship. When the Pilgrims left England in the Mayflower, their stated intent was to establish a settlement on the mouth of the Hudson River, at the site of present day New York City. The Pilgrims returned to the Mayflower and, after many days of exploration, found a more suitable location. On March 16, 1621 the Pilgrims were surprised by a tall Indian who walked boldly into the plantation crying out, "Welcome!
The Pilgrims gestured for Massasoit to join them in their fort but, he in turn, gestured for them to come to him. When the amenities were ended, the English brought out a treaty they had prepared in advance, which specified that the Wampanoags would be allies to the English in the event of war with any other peoples and that they would not harm one-another; and that when any Indians came to visit the plantation they would leave their weapons behind. After the ceremonies were ended, Governor Carver escorted Massasoit to the edge of the settlement and waited there for the safe return of Winslow. Part of Massasoit's willingness to make an alliance with the English must be credited to his weakened condition after suffering from the recent epidemics which left his followers at about half of the strength of his enemies, the Narragansetts.
In June of 1621, about three months after the signing of the treaty, a young boy from the Colony was lost in the woods. When the English could not find the boy, Governor William Bradford, (who replaced John Carver, who died in April) sent to Massasoit for help in locating the boy. That summer Governor Bradford sent Edward Winslow and Stephen Hopkins, with Squanto, to Pokanoket (Massasoit's own tribe, on the peninsula where Bristol, R.I. From this trip of Winslow's, we learn more about the daily life of the Indians in this area. Massasoit urged his guests to stay longer but they insisted they must return to Plymouth before the Sabbath. Less than a month following this visit, Massasoit sent Hobomock, a high ranking member of the Wampanoag Council, to Plymouth to act as his ambassador and to aid the Pilgrims in whatever way they needed. Hobomock and Squanto were surprised at what they heard, and quietly withdrew from the camp to Squanto's wigwam but were captured there before they could get to Plymouth.
Although the Narragansetts and Wampanoags were historical enemies and continually feuding over land, they did not usually put hostages of high rank to death.
Normally, treason was punishable by death and Massasoit would certainly have been justified in executing Corbitant for his part in the plot against him but, for some reason, Massasoit complete forgave him.
Their first harvest was not a large one but the Pilgrims were.happy to have anything at all. During the winter, a rivalry developed between Squanto and Hobomock, the two Indians who now lived continually at Plymouth. According to the treaty he had signed with Plymouth, they were to turn over to him any Indians guilty of offense. In June and July, three ships arrived at Plymouth with occupants who expected to be taken in and cared for.
In the winter of 1622-23, Governor William Bradford made trips to the various Indian tribes around Cape Cod to buy food to keep the Pilgrims from starvation. Next, Standish went to Cummaquid (Barnstable, MA.) where Iyanough was Sachem of the Mattachee Tribe.
Thinking that Massasoit was dead, they went instead to Pocasset, where they sought Corbitant who, they were sure, would succeed Massasoit as the next Great Sachem. Winslow describes their arrival, where the Indians had gathered so closely that it took some effort to get through the crowd to the Great Sachem. Since the Pow-wow's medicine had not produced any results, Winslow asked permission to try to help the ailing Sachem. Their second Thanksgiving was combined with the wedding celebration of Governor Bradford and Alice Southworth. Because of Massasoit's honored position, more was recorded of him than of other Indians of his time.
Massasoit most likely became Sachem of the Pokanokets, and Great Sachem of the Wampanoags, between 1605-1615. The second son of Massasoit was Pometacomet, (alias Pometacom, Metacom, Metacomet, Metacomo or Philip.) Philip was born in 1640, at least 16 years younger than Alexander. The third son, Sunconewhew, was sent by his Father to learn the white man's ways and to attend school at Harvard. When his two oldest sons were old enough to marry, Massasoit made the arrangements for them to marry the two daughters of the highly regarded Corbitant, Sachem of the Pocasset tribe. The tribes of Cape Cod, Martha's Vineyard, Nantucket, as well as some of the Nipmuck tribes of central Massachusetts, looked to him for Military defense and leadership.
Following the plagues of 1617, which reduced his nation so drastically and left his greatest enemy, the Narragansetts of Rhode Island, so unaffected, Massasoit was in a weakened position.
In 1632, following a battle with the Narragansetts in which he regained the Island of Aquidneck, Massasoit changed his name to Ousamequin (Yellow feather) sometimes spelled Wassamegon, Oosamequen, Ussamequen. In 1637, the English waged an unprovoked war of extermination against the Pequot Federation of Connecticut, which shocked both the Wampanoags and the Narragansetts so much that both Nations wanted to avoid hostilities with the feared English. After hearing of the death of his good friend, Edward Winslow in 1655, Massasoit realized that his generation was passing away. As Massasoit's health began to decline, he turned more and more of the responsibilities over to Alexander who was a very capable leader and who was already leading the warriors on expedition against some of their enemies. Massasoit was succeeded, as Great Sachem, by his son Alexander, assisted by his brother, Philip. The younger generation saw, in Alexander, a strong, new leader who could see the danger of catering to the English. Both Philip and Weetamoo were very vocal in their condemnation of the English and word of their accusations soon reached Plymouth. Together, Philip and Canonchet reasoned that it would take a great deal of preparation for such a war.
Living in a $300,000 home jointly owned with her husband, Susan pays $2,300 a month on a 30-year mortage with a 7% fixed interest rate. For her retirement and investments, Susan has $2,000 in savings, $4,000 in a 401(k) plan at work and $5,000 in a mutual fund for her kids' college education.
Yeske recommends that Susan divert the $250 a month from her kids' college fund into a liquid money-market fund. Insurance: Since Susan is the main provider for her kids, Yeske advises that she find a good disability insurance policy that covers at least 60 percent of her income if she were to get hurt or ill.
In a tough insurance market, Susan may pay up to $2,000 a year in premiums for a decent policy. If Susan hires a nanny to care for her kids, Susan should consider a $1 million "umbrella" liability policy that would go beyond her normal home and auto coverage. If Susan can afford to cover a loss, she should absorb it herself without a policy, Yeske advised. Wills: Yeske strongly recommends that Susan and her husband draw up separate wills for the distribution of their real property and financial assets to beneficiaries.
Susan's house would not be covered by a will, since it is jointly-owned and would go to the surviving spouse. Kids' college education: If Susan saves $2,000 to $2,600 a year for her kids' separate college funds, she'll accumulate $67,000 to $71,000 for each of them by the time they're seniors in high school.
Beyond savings, investments and financial aid, Yeske recommends that parents give children a tax-effective NOT TAX-FREE gift of stocks.
Yeske has mixed feelings about the trust accounts known as Uniform Gifts to Minors Act accounts.


The advantage: If your child is younger than 14, the first $600 in income from the account is free of taxation. The downside: Parents lose control over how their kids can spend that money when they turn 18. Retirement: To reach her retirement goals, Susan must save $12,100 a year, or 17% of her take-home pay, for the first five years of her savings plan.
If Susan's 401(k) investments hit a 10 percent rate of return with 3% annual inflation, she could pile up $2.6 million by retirement. NEW YORK -- Science and technology mutual funds have risen from their ashes this year, but whether they can maintain their current climb is far from certain. After crumbling in the fourth quarter, science and technology funds posted an average return of 9.66% in 1997, according to Lipper Analytical Services Inc.
However, science and tech funds have been leaders this year, with the average fund in the sector gaining 15.64%. Some money managers warn the sector isn't for the faint-hearted, and that the funds' strong climb may be short-lived.
Managers expect the sector to experience continued turbulence this year with potential for the stock market to cool and as the U.S. Furthermore, some financial advisers are recommending that clients pause before jumping into a tech fund.
Though the sector is less likely than the overall market to cool off, said Chip Morris, portfolio manager of the T. That won't necessarily be the case, but managers see some good bets in the technology sector.
But Tony Rizza, a managing director at Columbus Circle Investors, Stamford, Conn., sees plenty of promise from semiconductor firms. After making a bundle and retiring at 55, Henry Hirsch set out one morning to develop a routine for the years ahead. Hirsch's story may be extreme, but more and more retirees are deciding that they're not ready for full-time leisure. Working should make it more affordable to delay when you start taking Social Security benefits, and that can be a good thing. Some retirees who go back to work enjoy the security and esprit de corps that come with a permanent job.
Devil Take the Hindmost, a new book by Edward Chancellor that chronicles the history of financial speculation. By 1850, however, the railway industry was plagued by overbuilding, competition and rising costs. Chancellor's meticulous research offers some valuable lessons for investors who are tempted to wade into the Internet pool. Many well-known Internet stocks -- those that have earnings -- are still trading at enormous price-earnings ratios, that is, the share price divided by earnings per share. Recent events suggest investors are starting to doubt those cheery forecasts, says David Yeske, a financial planner in San Francisco. Undoubtedly, a few existing Internet companies will outlast the inevitable shakeout.
If picking winners were easy, every investor and fund manager with a handful of cash would have invested in Microsoft 10 years ago.
Of course, you could entrust your money to an Internet mutual fund, in hopes the fund's manager will have better luck picking winners than you. Think about a financial strategy for the new millennium -- and get ready for two thrilling, jarring leaps into the unknown. Wall Street is awash with investment ideas for the new millennium, all of which need to be viewed from the starting point of what we really know about markets' behavior. Getting a good education may become a goal that never stops, as experienced workers jump from one career to another. The new investing climate of the millennium is likely to matter most to investors with the longest time horizons.
Putting that principle to the test, The Wall Street Journal asked David Gardner, a cofounder of Motley Fool Inc., to devise an investment portfolio that would best suit the lifetime needs of a newborn this week. Leading builder of Internet infrastructure, pushing into wireless markets. Top Internet service provider, with fast-growing profits from ads and commerce.
Fast-growing maker of telecom equipment, with big ambitions in wireless markets.
Largest biotech company, capable of acquiring smaller players with promise. People will always wear clothes -- and this retailer's fashion sense lately has been unerring.
The king of Internet auctions, gaining cachet as it lists higher-priced items.Can it stay ahead of many smaller competitors?
It's mapping the human genome, which could yield medically priceless knowledge. As big as Wall Street is, there's no shortage of other financial advisers, brokers and pundits with different picks and analytical frameworks for the decades ahead.
Because most individual investors focus on short-term turbulence instead of prospects for long-term gains, they tend to be underinvested in stocks, says Christopher Jones, vice president for research at Financial Engines Inc. Experts aren't nearly so sure of themselves on this question -- but they are willing to speculate. Saving for retirement, meanwhile, is likely to be transformed by new work habits.
Meanwhile, he says, some white-collar professionals say they don't want a classic retirement at age 65, with an utter stop to their working lives. San Francisco, CA, USA -- If you think you need help planning for retirement, a financial planner may be a good idea. Before you hire a financial planner, you need to know as much about them as they will soon know about you.
Experts suggest that among other things you want to know are your financial planner's educational background, types of clients, credentials (are they certified?), organization memberships, and how they are compensated. If you don't want to talk with a planner face-to-face, you now have hundreds of other options on the Internet. It could be the kids, it could be the jobs, but Phyllis and Chris Bright can't find enough time to manage their money. Still, the Brights are full of questions: "How much should you have liquid, how much available in one or two years?
We asked David Yeske, a San Francisco certified financial planner, if the Brights' outlook matched their name. That's risky, so Yeske would slash the 80 percent, leaving just 6 percent of their retirement money in employer stock. Also, while the Brights now keep 4 percent of their funds in low-yielding money market accounts, Yeske would cut that to just 1 percent. And when it comes to insurance, Yeske says the Brights pocket some quick savings by doubling or even tripling their $250 auto and $500 homeowners deductible. Yeske also advises the Brights keep up their hefty contributions to 401k plans now at 16 percent combined.
Along with their investments, the Brights have been smart about living within their means: not buying a more expensive home, keeping credit debt down.
NEW YORK (CNNfn) - You may be dreaming of lazy afternoons on the golf course when you retire, but if that's all you're doing while counting down the days you could be in for a shock.
Long before you say "Goodbye" to the office crowd, there are crucial steps you should take to make sure your benefits are in order and you have enough money to live on. Experts say you should talk to your company's human resources department about a year before you plan to retire to get a full accounting of your 401(k) and other benefits.
Reading an example SWOT analysis for a business that is either in your industry or based on a comparable business model can help get you started.
Their product is traditionally-brewed craft beer, targeted at white collar and working class Batswana alike.
Use of the internet is only growing, so ignoring this weakness for too long could have disastrous consequences. This is one area in which being a small local firm could be a major advantage for Sedibeng, but international market research and more information about the government export initiatives are required. This family-owned farm has been in existence for two years, initially operating as a hobby for the owners—who have training in plant biology—rather than as a profit-producing business. Botanical Bounty also needs to establish a strong sales channel with herbal supplement manufacturers, and should invest plenty of energy into building those relationships and establishing Botanical Bounty as a reliable vendor. The company is planning to open its first location in downtown Yubetchatown, and is very focused on developing a business model that will make it easy to expand quickly and that opens up the possibility of franchising.
Funding a new business can take time, and the sooner UPer Crust Pies gets started on this process, the better.
Funding a new venture can take time, and because it’s the step one of the long road to revenue—they must secure funding before they begin construction, and they must complete construction before they can begin revenue-generating recycling operations and packaging material production—time is of the essence.
Specifically, because NovOculi is seeking equity investments, the company needs to look into venture capital funding and angel investments. A great idea is worth nothing if it can’t be implemented well, and a key to implementation in this case is a strong sales and distribution channel. Online business planning software makes it easier than ever before to put together a business plan for your business. It’s a knowledgable guide combined with a professional designer coupled with a financial wizard.
At first I was very skeptical of this record as it was a family tradition passed down for many generations. She was very fond of her Grandmother, Freelove, knew all about her and stated on several occasions that Freelove's Mother was Sarah Mauwee, daughter of Joseph Mauwee, Sachem of Choosetown, and not Tabitha Rubbards (Roberts). Massasoit was the Sachem of this tribe, as well as being the Great Sachem over the entire Wampanoag Federation, which consisted of over 30 tribes in central and southeastern Massachusetts, Cape Cod, Martha's Vineyard and Nantucket. Welcome, Englishmen!" It was a cold and windy day, yet this Indian, who introduced himself as Samoset, Sachem of a tribe in Monhegan Island, Maine, wore only moccasins and a fringed loin skin.
Lane November 5, 1990 Contents Justice Souris discusses his family history, living in Detroit and then Ann Arbor as a student, and joining the Air Force in 1943. Yeske suggests she save 3 months to 6 months of take-home pay, especially since she's a working mother. But if she cannot afford a potential loss, she should get coverage from an insurance carrier. The stocks in which they invest have soared over the competition and pushed the Nasdaq Composite Index to record levels.
It could be a head fake," said Paul Meeks, director of technology research for Jurika & Voyles Inc. Meeks also manages the Jurika & Voyles Mini-Cap Fund, a portfolio that invests about 13% of its assets in the technology sector, according to fund-tracker Morningstar Inc.
Meeks said that while companies' earnings haven't shown the full brunt of the Asian economic turmoil, the trouble could become evident as firms report first-quarter performance. David Yeske, a certified financial planner in San Francisco, said he warns investors that all the growth potential is factored into the stock prices.
Columbus Circle, which is a division of Pacific Investment Management Co., runs the $300 million Pimco Innovation Fund.
He had spread out his papers on the kitchen table and was placing phone calls when his wife came in and said, ''You're taking up my space. A survey this year by the Employee Benefit Research Institute found that 68% of workers expect to work for pay after retiring, up from 61% who said so in 1998.
Talk to your current boss about opportunities, and start networking among business associates for leads. The fading dividing line between work and retirement raises important financial planning issues. It used to be that your annual benefits would rise only 3% for each year past age 65 that you delayed starting to draw them.
For retirees in their 50s, a bridge job can be a smart alternative to tapping your pension early. True, Internet stocks are considerably less expensive than they were three months ago, with some stocks off as much as 50% since their peak on April 22. For the first time since the Internet boom began, interest rates are rising and are almost certain to move higher.
But then, many investors thought Microsoft was incredibly overpriced and stayed away, Kathman says.
If the sector continues to slide, and the funds' returns suffer, that could prompt investors to redeem their shares.


Either way, you have that uneasy feeling that, with the end of the year looming, you should be doing something about your finances.
Make your January mortgage payment in December and you can use the interest deduction for your 1999 taxes, says Dave Yeske, a San Francisco financial planner.
Medical expenses must be greater than 7.5% of your adjusted gross income in order for you to claim them as deductions. If you're getting a Christmas bonus or just got a raise, ask your employer if you can receive the money in January so you don't have to pay taxes on it until next year. If you have a 401(k) plan, make sure you tell your employer this month how much you want deducted from your salary next year (up to $10,500).
Gardner remains as bullish as ever about new technology, but his horizons are rapidly widening beyond the Internet. Gardner says he's only partway through picking his wireless-communications favorites, but he expects Cisco Systems Inc. But sales growth of its Epogen anemia drug is expected to slow this year. Still posting losses, though, and its eventual path to profit isn't assured. Many strategists advise putting at least 10% of an equity portfolio into foreign stocks, for example, something that doesn't figure into Mr. Gardner's starting point -- a belief that long-term investors ought to concentrate much of their money in the stock market -- is widely seen as smart thinking. His Palo Alto, Calif., company makes sophisticated financial-projection software available to the public over the Internet. Jones says, Financial Engines has found that people using its software tend to boost the percentage of their portfolios allocated to stocks. Saving for children's education will surely be part of many investors' goals, says Adam Rosier, a Southgate, Mich., financial planner for American Express Co. Instead, they envision doing some part-time consulting into their 70s and 80s, gaining mental stimulation, social contact and extra income.
Yeske says, the prospect of longer life spans in the new millennium makes it likely that people in their 80s, 90s and beyond may need to set aside much more money for nursing care. They include large holdings of high-yielding employer stock, a big chunk of income going to 401k plans, and a whopping amount set aside for emergencies. Personally, I recommend reading at least three—since they are prioritized lists, SWOT analyses are by nature pretty short, and the more examples you look at the more likely you are to spot ideas that are relevant to your own business needs. A strong grand opening will help establish the store’s reputation, so it is essential that the UPer Crust Pies team feels ready for its first day.
She operates Haley’s Vintage Hats through an Etsy storefront and hopes that it will become successful enough that she can quit her other job and run her dream company full-time. Haley can also teach herself by exploring free online marketing resources on Etsy, Bplans, and elsewhere.
The recycled material from the PET plant will then be channeled into a brand-new Replay Plastics Packaging Division, which will produce extruded sheet plastic to sell to manufacturers.
Luckily they have already written their business plan, which is often required by prospective lenders and investors.
NovOculi employs a method involving iontophoresis, an ionic dye, and a wavelength-specific laser to accomplish effective refraction without the troublesome destruction of epithelium. NovOculi is going to have to figure out how to build relationships with medical device distributors, whether that means attending expensive industry conferences, leveraging research relationship with institutions like Stanford University, or developing incentives for the distributors.
She obtained her copy of Zerviah Newcomb's Chronical from Zerviah's original diary, in the hands of Josiah 3rd himself.
He then talks about returning to the University of Michigan in 1945 to finish his degree and complete law school. The Nasdaq index has risen more than 13% this year, compared with the S&P 500's roughly 8% gain. Fund managers agree that the picture isn't as appealing as the recent gains may indicate. Morris said firms designing networking software and providing data services are among the most promising. Morris sees promise in Oracle Corp., a maker of database and networking software and the world's second-largest software company.
Instead of preparing his clients for full retirement, says Yeske, ''I tell them to accumulate enough capital so that they're able to work by choice, not necessity. If you're the adventurous type, however, retirement can be a good time to try something different. But the Social Security Administration is gradually raising that credit, so by 2009, it will be 8% per year of delay.
Such companies as Manpower and Kelly Services can place people in engineering, software, and other technical fields at rates of up to $50 an hour. Still, just a few months ago, fans of Internet stocks defended their lofty prices, arguing they represented the companies' tremendous potential. Since August 1989, Microsoft's stock has split seven times and risen more than 10,000%. If enough investors bail, fund managers will have to sell some of their stocks to raise cash. The same goes for property-tax payments: Make the first-quarter payment now and take the extra deduction for this year. Also, if you're selling stock or other investments to pay off holiday bills, it might make sense to wait until January so you can defer paying capital gains taxes. If you're self-employed, you can set up a Keogh account (similar to an IRA) by Dec. Traditionally, people have set aside money for their children's college education, for a home down payment, and for retirement at age 65. And retirement may no longer be an abrupt event that separates the elderly from everyone else.
They merely provide another chance to try to squeeze some advantage from following the market's nearly random zigzags on a minute-to-minute basis. He is an unabashed fan of fast-growing young companies that are business mavericks. Now he thinks biotechnology and wireless communications may have the greatest potential -- both for investors and the general public -- in coming decades. AOL already has a lofty $160 billion market capitalization on the strength of its 20 million customers in the U.S.
Since 1926, according to Yale University finance professor Roger Ibbotson, U.S. According to the College Board, tuition at the average four-year private college rose just 4.6% this year, to $15,380.
Gardner speculates that in a generation's time, much more schooling will be done over the Internet, at lower cost than today's live-in colleges. Yeske, the San Francisco financial planner, says some of his clients already are planning their investments so they can quit work for a year or two in their 30s and 40s to live at ski resorts or other pleasant places.
Currently, disability and long-term-care insurance are two of the more obscure parts of a person's financial portfolio.
If you want to live at your current income level, say $100,000 a year for 20 years after retirement, then you'll need 13 times that amount in retirement savings, or $1.3 million. If you expect to live a longer-than-average life and you can afford to do without Social Security for a while, it will pay to wait. And early pension withdrawals are hard to stop if circumstances change and you don't need the money.
Temp firms also provide training, skills assessment, and medical benefits--the latter a key concern for retirees who have not reached the Medicare-qualifying age of 65. As the chart shows, the Internet funds have fallen at about the same rate since mid-July. Not only would that hurt the funds' returns, it could also create taxable capital gains distributions.
Of course, if you've got losses from stocks and bonds, you need to sell the securities by Dec. Yet if history is any guide, investors with strong enough nerves to keep much of their wealth in stocks over long time spans will consistently outperform people taking more cautious strategies. In the new millennium, all those pursuits may be transformed in remarkable ways. People of all ages may flit in and out of the work force, using their savings to travel around the world in their 30s, or combining work and play into their 80s and 90s.
But for people whose horizons stretch out in decades, the millennium's arrival provides an excellent chance to rethink both investment goals and the tactics used to pursue them. By his own acknowledgment, more than a few of his picks turn out to be bitter disappointments. But if medical advances make it possible to ward off heart disease, diabetes, strokes and cancer, he figures, life spans of 100 years or more could become common.
Of the triad, Amgen has the strongest track record, with a history of profitability and two top-selling drugs in production.
Other investors may quibble over those picks, he concedes, but he says brand leadership in one form or another should be an important part of investors' thinking. Jones says, it's understandable that individuals don't want 100% exposure to the stock market.
Then, when the savings wear down a bit, they plan to return to the daily grind.
Yeske says, may not need to set aside as much cash for retirement, because they can count on some earnings beyond age 65. Bearce's Great-aunt, Mary Caroline, lived with Josiah III and Freelove Canfield Bearce for several years, listened to their ancestral stories, and made her own personal copy of Zerviah's diary supplement. Lawrence to what is now known as Lake Champlain where his party killed several Mohawks in a show of European strength and musketry. By 2002, recipients of Social Security age 65 to 69 will be able to earn $30,000 a year without losing any benefits. Here's why: The only way to get early payouts from your pension without paying a 10% penalty is to commit to a schedule of equal-size payouts.
Come December, you could find yourself stuck with a fund that hasn't gone anywhere -- and a big tax bill.
What's the right way to balance a portfolio to make the most of future opportunities without being reckless? And with dozens of new technologies promising to make our lives easier, zestier -- and longer -- the chance to invest at least part of a portfolio in tomorrow's growth industries has seldom looked more enticing. But over the past few years, he has attracted more than 700,000 users to his Web site, thanks to a knack for spotting giant winners. Many investors shy away from biotech stocks because it's hard to evaluate the underlying science of each contender.
Both stocks have soared for years on the strengths of their core businesses: Cisco's delivery of Internet infrastructure and Qualcomm's manufacturing of a wide range of telecom gear.
That far outstrips the average returns on bonds and money-market instruments. Ibbotson argues, the Dow Jones Industrial Average, which darted past 10000 this year, could break the 100000 barrier in the year 2024.
But a 70% to 80% stake may be a prudent choice for long-term investors, he says. If you're 70 or over, you're in luck: Even today you can earn as much as you want with no loss of Social Security benefits. For that reason, ''it's critical for you to decide up front whether you're going back to work or not,'' says Maureen Tsu, a certified financial planner in San Juan Capistrano, Calif. It has averaged yearly gains of nearly 70% since its formation in 1994, benefiting greatly from early bets on America Online Inc. He further told them that Massasoit, the Great Sachem of the Wampanoags, was at Nemasket (a distance of about 15 miles) with many of his Counselors. He then talks about other cases concerning government immunity and the relation that such cases and court decision have with the creation and revision of law. He further discusses such issues as presumption of undue influence, summary judgment, the right of discovery, and the type of law he practices.



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