Encourage them to do so.

An official review of higher education in Hong Kong has recommended that permission be granted for cross-border use of research funds between the city and mainland China, which could see a ban on such use lifted for the first time in decades.

Recent years have seen growing academic and research collaboration between Hong Kong and China, but a prohibition against the use of China's research funding in Hong Kong and vice versa undermined vast potential for research collaboration, local academics say.



The report Aspirations for the Higher Education System in Hong Kong was commissioned by the official funding body, the University Grants Committee, and released earlier this month. The review was led by Sir Colin Lucas, warden of Rhodes House at Oxford University.



The review group calls on the Hong Kong government to initiate negotiations with relevant authorities in China to ease regulatory requirements in teaching and research collaboration with mainland Chinese institutions, especially the portability of research funds.



Currently Hong Kong's universities wanting to conduct research projects in mainland China must fund them from private donations or other money that does not come from public resources.



Institutions have had to put in time and effort to raise funds to maintain cross-border research ties. If implemented the UGC recommendation could speed things up.



"Projects that would require three years to be done [because of funding constraints] could be completed in one year," said Hong Kong Baptist University President Albert Chan Sun-chi.



"Also, genuine collaboration requires input of resources from both sides. We are in a passive position if we cannot offer any funding for a project," he said, adding that increased chances of research collaboration with the mainland could help to attract top talent from around the world to work in Hong Kong.



Although Hong Kong has high quality research institutions, its allocation of research funding as a percentage of gross domestic product is one of the lowest among developed nations, according to Chan.



"If talent and resources from Hong Kong and the mainland can be merged, the team work and joint expertise could allow us to compete with the rest of the world," he said.



Research projects in Hong Kong often require data collection in China and the need for China's research academics to carry it out. Hong Kong has a shortage of research talent in certain fields and often has to import academic researchers from other countries.



The review group also pointed to Hong Kong's intermediary role in promoting technological cooperation between China and the rest of the world.



More overseas enterprises could also be attracted to conduct research and development projects in Hong Kong or the Pearl River Delta, should more funds become available.



Having established a branch campus in Zhuhai, China, in collaboration with a mainland institution in 2005, Baptist University is set to build a research institute in Changshu, in Jiangsu province, to carry out research in fields including Chinese medicine, biotechnology and communications.



It signed a memorandum of understanding with the Changshu municipal government last month. Expanding into the Yangtze River Delta allows the university to tap the vast state funding available in China, Chan added.



In support of China's scientific and technological development, 12 laboratories in Hong Kong universities have the status of Partner Key Laboratories of China's State Key Laboratories.

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Reference research: beauty research and home research and general research and recent update




beauty promote

With your own small blog created, its time to find blog jobs.

I am a veteran. I was in the U.S. Army for three years, and, during that time, served in the Vietnam War. Also, I have a couple of long-standing illnesses. Nothing is currently threatening my life but I do have medical considerations. Both of these situations have put me in the position to participate in research projects. Should a person participate in a research project?

Are there results that make participating in a study worthwhile; yes! The VA alone has developed artificial limbs for amputees; invented the cardiac pacemaker; performed the first successful liver transplant and developed the nicotine patch to name just a few accomplishments. ((DVA ORCA 1B 10-54 page 3)

A research study is a study about a certain medical condition, or procedure, or effect of medication. It may be one of many different approaches to solving a problem that affects human beings.

People participate in studies to find cures for illnesses; to find better care; and, to battle an illness in which a person may have a particular interest, or indeed, may suffer from.

When considering whether or not to participate in any particular study, it is necessary to know that there may or may be direct benefits to you. There may be a benefit regarding a medical condition you may have, or, in some cases, you may be paid to volunteer. However, hand in hand with that, there may be risks and side effects when participating is a study.

There are many, many questions that a person should ask before participating in a study. Just a few are; "Who is doing the study and why?" "What tests and procedures will be done?" "What can happen to me good and bad if I participate?" "Will I be paid anything?" "Will I be told the results of this study?" "Is it possible I will receive a placebo?" "What happens if my condition gets worse?" (DVA ORCA 1B 10-54 page 11) These are just some of the questions that it makes sense to ask.

You should always make sure that there is comprehensive attention given to "Informed Consent", which is a point where you, as the participant, are given complete information about the study so that you can make an intelligent decision as to whether or not you should participate.

Finally, it is important to know who may see the results. Typically, the results will only be seen by researchers as part of the study. However, I have learned, especially in studies where you are paid, that the results may be sold; it is important that you know too whom the information might be given or sold.

Research studies are most important to mankind. We learn about diseases and quality of life. Further, you never know when a project you participate in may help you or someone in your family. However, as noble as this cause is, it is always important to be diligent in your research about the research.





Reference research: business research and health research and travel research and my bookmark page




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research methods in anthropology

You mean you had to GO to the library to do research?

Understanding Research Types:
Basic: Seeks to create new knowledge and is not directly related to technical or practical problems. Example: analyze the types of information systems used by people with disabilities.

Applied: Seeks to solve problems. Example: A study conducted on how information systems can be used to improve communication with people with disabilities.

Research Terminology:
There are many types of research and each type of research can utilize different methods for collecting information. This glossary can be utilized to clarify the research terms you may come across during your search. In addition, this glossary is a good resource for refining questions you may have of your professor regarding the assignment.

Case Studies: Examines in-depth the practices or trends of a single or limited number of groups. According to the Second Edition of the Dictionary of Sociology edited by Gordon Marshal, case studies include "descriptive reports on typical, illustrative, or deviant examples; descriptions of good practices in policy research; evaluations of policies after implementation in an organization; studies that focus on extreme or strategic cases; the rigorous test of a well-defined hypothesis through the carefully selected contrasting cases; and studies of natural experiments."

Empirical Studies: Research based on critical evaluation through observation or experimentation.

Experimental Research: Examines the relationship between two variables. This type of research conducts experiments on test and control groups to test a hypothesis about the relationship between two variables.

Historical or Interpretive Research Studies: By examining past events and procedures, this type of study attempts to predict future events or make suggestions for future actions. Types of historical or interpretive research studies include: biographical; histories of institutions and organizations; investigation of sources and influences; editing and translating historical documents; studying the history of ideas; or compiling bibliographies.

Qualitative Research: Observes the experiences of a particular group and attempts to understand the actions and reactions of the group. Field studies and ethnographic techniques are examples of this type of research.

Survey Research Studies: Examines small groups of the population in order to learn about the larger population. Observation of the smaller group produces data about the larger population. This data is used to predict future actions or results.

User Studies: Research that evaluates the way in which systems or institutions are utilized and how the needs of users can be addressed.

Identifying Research Articles:
Listed below are some clues to help identify research articles. However, it should be noted that numerous exceptions occur for all of the points listed below. Therefore, the following information should be used as a guideline when looking for research articles

Topic: Research articles tend to be highly specific in nature, relate to a particular field, or specialty within a field, and are written by authors who have done research in the field.

Audience: The target audience is other researchers, colleagues, students and specialists in the same field. Research articles are written for the scholarly community, rather than a general audience.

Language: The language of research articles is formal, generally does not use the first person, and includes jargon used in the field. Research articles are written to contribute to the knowledge base of the discipline.

Length: research articles can vary in length, but are typically five to fifty pages long.

Authors: Research articles may have numerous authors. The organization, institute or professional society the authors belong to will be listed.

Content: Generally the article is written at a sophisticated enough level that the reader will need to read the article more than once in order to understand and evaluate the article.

Identifying Refereed Journals:
Listed below are some clues to help identify refereed journals. However, it should be noted that numerous exceptions occur for any and all of the points listed below. Therefore, the following information should be used as a guideline when looking for refereed journals

Issue identification: Each issue has a publishing date, volume number and issue number. Generally a volume number is consistent throughout the calendar year, with each issue assigned a corresponding number e.g. vol. 55, issue 4.

Length: A refereed journal may have one to fifty articles, with most having eight to eighteen.

Advertising and graphics: Very little, if any, advertising is included in refereed journals. Any advertising that is included will directly relate to the field. Generally journals of this nature do not have photographs and use black print on white paper. The size of the journal may vary in size from a small paperback size to a large magazine format.

Table of contents: In addition to research articles, refereed journals may contain book reviews, literature reviews, and essays. Therefore, just because an article is published in a refereed journal, it does not necessarily mean that it is a research article!

Publishing: Refereed journals are usually published regularly - once a week, once a month, every quarter, or annually. The majority of journals are published four to six times per year and are often published by a professional society, organization or research institution.

Editorial board: Refereed journals have a peer review process. The editorial board is listed (generally at the beginning of the journal) along with the organizations they are affiliated with. Information about what types of papers are chosen for publication, the selection process, the length of papers accepted, and how to submit a paper is also provided.

Indexing: A listing of where the refereed journal is indexed is often provided.

Title: The title of a refereed journal usually has an "academic" sounding name.

Availability: The location, call number, and availability of the journal can be determined by using the online catalog.

Refereed Materials:
Refereed materials are publications reviewed by "expert readers" or referees prior to the publication of the material. After reading and evaluating the material, the referee informs the publisher if the document should be published or if any changes should be made prior to publication. Refereed materials are also referred to as Peer Reviewed. Refereed materials are significant to the research and the literature of library and information science because they assure readers that the information conveyed is reliable and timely.

Non-Refereed Materials:
Non-refereed materials such as Trade Journals or Magazines use less rigorous standards of screening prior to publication. In some publications, each article may be only screened by the publication's editor. While knowledgeable, no editor can be an authority on all the subject matter printed in a journal. Other non-refereed materials accept almost anything submitted in order to have something to print. The term "scholarly materials" is often used to describe refereed materials, but this term is not exclusive to refereed material. Non-refereed materials may not by scrutinized as intensely as refereed materials, but they can still be considered scholarly.

Locating Materials:
Databases are repositories of article information from journals, magazines, conferences, and sometimes books and newspapers. Databases cover a wide range of topics. Some databases offer a full text feature that links you directly to an article, so you can download and print it directly off the Internet. Explore databases that you use regularly to determine if they have this feature (usually denoted by an "FT" next to the article citation).

Evaluating On-line sources:
Online sources can be a valuable tool if you know how to accurately assess the value and validity of the online information source. In trying to determine the validity of a webpage, it is useful to see what type of organization publishes the page. Sites ending in .edu or .gov are generally more accurate and trustworthy than most, since they emanate from academic and governmental organizations. It is important to verify that you are not looking at a student page located on an academic server, which may or may not be as trustworthy as a page produced by the school. Another element to be cautious of when evaluating your potential source is bias. For example, if you are looking at a commercial site, are they accurately portraying information, or bending the truth to fit their needs? The next criterion to evaluate is accuracy. Begin by looking for spelling mistakes, poor grammar, and typos. Next, look at the sources quoted within the page. Are they well-known, trusted sources and people with expertise in the field at hand? If the page is valid, accurate, and published by a trusted source, then it is generally considered acceptable for research purposes.

Search Strategies:
Your search strategy will vary depending upon which database you are using. Research articles' abstracts & include terms that most non-research articles' abstracts do not. Some examples of these terms are methodology, hypothesis, research, experiment, etc. You can search the field "Words Anywhere" for these terms while simultaneously searching for the keywords of your topic. If you retrieve too many or too few hits, narrow or expand your search by adding or dropping search terms.




Reference research: business research and health research and shopping research and my social page




social bookmark

research methods for the behavioral sciences

Here are five topics for research in education. The perfect gift for the college student wondering what to select as a topic, or the educational professional seeking to enlighten us with a breakthrough or two.

What nutritional elements elevate learning abilities?

Are there foods that aid in the educational process? Certainly there are foods to be avoided, such as an excess of sugar and the caffeine laden drinks that send my fourth grade students bouncing off the walls. There are the “New Age,” well intentioned, but ill informed folks, who would have us eat nothing but dandelion leaves. There are the hucksters promoting their “overnight weight loss/increased sex drive/mind calming/IQ enhancing wonder diets,” each bearing the disclaimer, “these findings are not substantiated by scientific research.” But is there any real scientific data out there? I’d be fascinated to learn.

What methods most greatly encourage elementary school students to read for pleasure?

What is the psychology behind the impetus some students feel, and some students will never experience? Is there a proven existent paradigm for greater success? What are the latest and most promising approaches? How do I break down the reluctant reader and infuse them with a least a cursory desire to read? All of these questions spark my intense interest.

Are newly arriving freshmen college students better or more ill prepared academically than 1966’s freshmen?

Educators decry the state of affairs of all things educational, and routinely proclaim a crisis is coming or already upon us. But just as every generation in America has resisted and maligned the favored music of their offspring, I suspect this educational outrage is equally ongoing and unending. Is there data supporting the claims that today’s freshmen are more ill equipped to deal with college life?

How does physical movement benefit brain development in elementary students?

I was amazed to learn of the correlation between regular physical movement and brain development in young children. What programs exist that would aid in my bringing movement - and by extension, greater brain development – to my students? What are the latest research findings on physical education’s impact on other areas of learning? What is the physiology involved?

How does art instruction influence other academic progress?

I infuse all my courses with art, and have found it tremendously helpful in capturing the attention of my students. I want to learn more about how art impacts student development, both to make myself better able to utilize this tool and to give myself greater justification for using it. I want to glean all the latest and most well documented research that supports my view that art instruction compliments all other subject lesson planning, captures the attention of a segment of students who would otherwise remain apathetic, and broadens the academic universe of all students.

As this is one of my own personal favorite topics, I'll throw in a thesis, free of charge.   “Art instruction in elementary school curriculums – often among the first targets of politicians seeking to balance budgets – is a powerful and practical educational tool, with far reaching and often underappreciated benefits.”

Possible subtopics include art as a means to reach at-risk and otherwise educationally challenged students; how art instruction gives students a welcome respite from more difficult subjects, re-energizes and makes them better able to focus; how art education compliments and augments standard educationally required subjects; statistical data suggesting (or proving) that students who receive instruction in art have higher grades and do better on standardized tests (assuming this is demonstrable). 

Let's see some data collecting out there!




Reference research: research Dr. and law research and travel research and my social page




Crab the Bookmarketer for Your Site Making

Make it easy for visitors to vote or bookmark your site.

So you've been blogging for awhile. You started with Blogger because it was easy and it was free.

But now, you want to expand your readership, have more flexibility, and look more professional. You've heard great things about WordPress, but you aren't sure you can handle making the leap.

Let me tell you, it's really, really easy, and here's how you can do it in just a few steps.

1. Buy a domain and hosting - There are multiple options for this. I have hosted with GoDaddy in the past, and was always pleased with them. My current host is DreamHost, and I couldn't be happier with them. They have lots of great features, including automatic installation of WordPress, with multiple templates.

Whatever host you choose, make sure that they are WordPress compatible. You will also need to have at least one database, as WordPress is MySql driven. I know that sounds complicated, but it doesn't have to be. Just ask the host if they support WordPress. Usually, it will show right on the features that they are.

Especially if you've never installed WordPress before, go with a host that offers automatic installation. GoDaddy offers it with many of their hosting packages. You just go into your Hosting Control Center, and choose the options to have it installed. DreamHost offers it with their hosting as well. And many, many other hosts offer WordPress hosting, because it's a very popular option.

2. Install WordPress - This will vary depending on your host. If you went with GoDaddy, DreamHost, or any of the other hosting companies that offer a WordPress installation option, then just follow their directions for getting it installed.

3. Choose your theme - There are so many themes to choose from with WordPress. Just do a search for "free WordPress themes" on Google, and you'll find thousands of site. DreamHost installations of WordPress come with dozens of themes ready for you to use. You can also pay to have a theme custom made to fit your needs.

4. Notify your readers - Post on your Blogger blog that you're going to be migrating to WordPress. Tell them your new domain name, and let them know that you'll be moving all posts and comments over there, and to change their feeds to follow the new blog.

5. Import your Blogger posts to WordPress - WordPress 2.7 makes this oh so easy. Once your WordPress installation is all setup (you'll get notification from your host that it's done within just a few minutes of you requesting the install), login to /wp-admin using your username and password. Go to Tools -> Import. Click on the Blogger option (or whatever your current weblog is). Just follow the directions! You'll input your blogspot blog link, and other information, and it will begin the import immediately.

6. Start posting in WordPress!

That's it! The import will copy all your posts from your Blogger blog to your new WordPress blog, including all comments that were made, and all categories that you've created for your blog. You can begin posting in WordPress, and have fun with all the wonderful themes and plugins that are out there!




Source article: free blogging and free blog site and Open Source Blog and online blogging sites and Journal
blog

research methodology

Middle School students love to explore the unknown and share what they have discovered. Take advantage of this natural curiosity about the unknown to develop research and presentation skills. Even reluctant learners get involved when you allow them to research and write about real life unsolved mysteries.

Pre-teaching: Before beginning this hands on project, students must understand the concepts of theories and evidence. It would be wise to choose a topic of your own and complete the project to share with students prior to assigning the project.

Skills Needed: To complete this project, students must be familiar with PowerPoint or any other slideshow presentation tool you choose to use. If they are not already skilled in this area, provide opportunities for students to work with the program.

Search Engines: This project relies heavily on Internet Research. Time must be devoted Internet search techniques.

Assessing web sites: Teach students how to determine if a website is reliable. Use this template or create your own.

Note Taking: Require Middle School students to take notes of their research. Spend time teaching students to paraphrase and summarize what they have read. Use this template or create one of your own for students to use.

Crediting sources: Middle School students don't really understand the importance of crediting their sources. Take the time to teach the basics of citing sources.

Plagiarism: This is a good time to teach about plagiarism. Many middle school students still think that if they change around a few words they are not plagiarizing. Take the time to teach them how to use information without plagiarizing. Make sure you emphasize that using photos created by others must be credited too.

Unsolved Mysteries Project

Provide students with a list of unsolved mysteries to choose from. (See suggested topics at the end of this article). Most students will find a suitable topic on the list. For those who wish to choose their own topic, insist that the topic be approved by you prior to beginning.

Minimum Requirements:
Slide 1: Title slide containing the "unsolved mystery", student name, and date.
Slide 2: Introductory slide: The mystery must be introduced with an explanation of why it is a mystery. This should include a statement of opposing views or beliefs.
Slide 3: Supporting theories
Slide 4: Opposing theories
Slide 5: Evidence (photos, news reports, witnesses, police reports)
Slide 6: Conclusions, which includes the student's belief based on the information provided in their project.
Slide 7: Credits

Special thanks to Ruth Sundra who designed a similar group projects for 4th and 5th grade. The project outline shared here has been designed for middle school students to complete individually to demonstrate mastery of core skills while researching topics of interest to them.

Suggested Topics

Big Foot/Yeti
Loch Ness Monster
Ghosts
Life-after-Death Experiences
Psychic abilities
UFOs/aliens
Alien Abduction
Shadow People
How the Pyramids Were Built
Stonehenge
Bermuda Triangle
Angels
Auras
Out-of-Body Experiences
Mayan Calendar (end of the world)
Time Travel/Time Slips
Spontaneous Human Combustion
Miracles
Psychic Healing
Crop Circles

Add topics that fit the interests of the particular group you are working with. For 8th graders, the more bizarre, the better. Allow plenty of class time for research and for creating the slide show. Setting specific due dates for each portion will curtail misuse of time.

Your middle school students just may astound you with their final project. Not only do they get involved in their individual project, they are eager to learn what their classmates have discovered, too.




Reference research: finance research and computer research and shopping research and my bookmark page




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research paper

Patricia L. Sullivan, an assistant professor at the University of Georgia's School of Public and International Affairs recently completed a study advancing a new model which predicts a nation's probability of accomplishing military objectives. Sullivan's research, reported in the June issue of the Journal of Conflict Resolution and by the UGA Office of Public Affairs News Service, found that since WWII major countries, including the United States, the Soviet Union, Russia, China, Britain or France, have failed in 39% of 122 military objectives against smaller, weaker nations.

Under a grant funded by the National Science Foundation and institute on Global Conflict and Cooperation Sullivan conducted research to explain the "circumstances under which more powerful nations are likely to fail and creates a model that allows policymakers to calculate the probability of success in current and future conflicts, "according to the UGA News Service.

Factors which Sullivan found important are the objective, the nature of the target, whether or not the target cooperates with the objective, whether the target or country initiating the action has allies, whether allies will intervene on either side, and the military strength or weakness of allies.

The factor most easily defined is the objective. The objective is the reason for military intervention. Objective, in Sullivan's model, is based on a continuum from "brute force" to "coercion." According to UGA News Service, the nature of the target is defined by the type of group which composes the target: guerilla, formal nation states, or terrorists. Examining these factors allows you to draw some conclusions about the odds of winning a military conflict.

Of the factors Sullivan identified the most important as whether the objective can be reached by military strength alone, or if target cooperation is essential in the military objective.

Sullivan explains that in the 1991 Gulf War Kuwait was a cooperative target. The citizens and government of Kuwait wanted the assistance of the United States. Driving out Hussein's forces was accomplished quickly and efficiently with the compliance of the nation of Kuwait.

Iraq has proven to be a different war story. Iraq did not invite the United States to enter their country. Although the United States entered on the stated premise of humanitarianism and a quest to end Hussein's reign of terror, that doesn't mean the U.S. was invited, and it doesn't mean the target is cooperative. The United States' objective to free the people of Iraq from the iron rule of Saddam Hussein and his Republican Guard was based on the plausible assumption that no human being wants to live in a state of suffering, euthanasia, and general brutality from a dictator. The United States government presumed the people of Iraq preferred freedom and democracy to the dictatorial, totalitarian government under which they lived. However, as a nation, Iraq has not proven cooperative to that objective.

Sectarian violence has kept the United States from meeting their military objective. Rather than welcoming international assistance in building a free nation, divided allegiances in the country have prolonged the military action. Many Muslim extremists view the United States as the face of the enemy, literally and spiritually. They continue to fight hard against governmental and social changes.

The lack of cooperation in Iraq is a huge indicator, according to Sullivan's model of the future of the war. It illuminates the need for target cooperation in military objectives. It does not, however, satisfy the question as to whether the probability of victory affirms or denies the call for military force to implement changes in the interest of humanitarianism.

Military force and humanitarianism, philosophically, should be mutually exclusive terms. However, often, in the face of brutality and oppression force is necessary to break the bonds of oppression. This creates a paradox which the United States government and citizens continue to grapple. It is, however, the same paradox that prompted the Declaration of Independence and the American Revolutionary War.

Sullivan reported to the UGA news service, "We can try to use brute force to kill insurgents and terrorists, but what we really need is for the population to be supportive of the government and to stop supporting the insurgents. Otherwise, every time we kill an insurgent or a terrorist, they're going to be replaced by others."

Once Sullivan developed her model, she tested it and found that her paradigm was accurate in 80% of the conflicts she examined, according to the UGA news service. Her model was used to examine the current war between the U.S. and its allies, and Iraq. Extrapolating an end to the war in Iraq based on Sullivan's model, theUGA news service estimates that there is a 26% chance of victory, in a war that could endure approximately ten years. Sullivan points out that factions, insurgents, and covert allies, such as Iran and Syria, seriously undermine the U.S. objective in Iraq.

Sullivan's conclusions regarding the war with Iraq were reported by the UGA news service as follows:

"No one could have predicted exactly what would happen after we overthrew the regime of Saddam Hussein," Sullivan said. "But what my model could say was that if the population was not supportive of whatever new regime we put in power and the American strategic objective shifted from regime removal to maintaining the authority of a new government, the likelihood of a successful outcome would drop from almost 70 percent to just under 26 percent."

Sullivan's research and reporting prove timely as the fierce debate over whether to pull our troops out of Iraq rages in the United States. According to Sullivan, the chances for the successful establishment of a new government in a free and independent Iraq are slim, without the cooperation of the Iraqis and surrounding nations. The research, however, does nothing to discourage those who believe in the fight in the name of higher moral law and justice.

Sullivan's paradigm is helpful, but must be weighed against the one's acceptance of age old adage, "It's not whether you win or lose, but how (or why) you play the game." One factor that Sullivan's research did not address includes an equation which may never be quantified: How much is one life worth in the pursuit of freedom and justice for all?

Sources:

Fahmy, Sam. "UGA study finds that weaker nations prevail in 39 percent of military conflicts, UGA Office of Public Affairs News Service, June 11, 2007.

http://www.uga.edu/news/artman/publish/070611_Sullivan.shtml

http://www.uga.edu/intl/sullivan.htm

http://jcr.sagepub.com/cgi/content/abstract/51/3/496





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research triangle park

Here are five topics for research in education. The perfect gift for the college student wondering what to select as a topic, or the educational professional seeking to enlighten us with a breakthrough or two.

What nutritional elements elevate learning abilities?

Are there foods that aid in the educational process? Certainly there are foods to be avoided, such as an excess of sugar and the caffeine laden drinks that send my fourth grade students bouncing off the walls. There are the “New Age,” well intentioned, but ill informed folks, who would have us eat nothing but dandelion leaves. There are the hucksters promoting their “overnight weight loss/increased sex drive/mind calming/IQ enhancing wonder diets,” each bearing the disclaimer, “these findings are not substantiated by scientific research.” But is there any real scientific data out there? I’d be fascinated to learn.

What methods most greatly encourage elementary school students to read for pleasure?

What is the psychology behind the impetus some students feel, and some students will never experience? Is there a proven existent paradigm for greater success? What are the latest and most promising approaches? How do I break down the reluctant reader and infuse them with a least a cursory desire to read? All of these questions spark my intense interest.

Are newly arriving freshmen college students better or more ill prepared academically than 1966’s freshmen?

Educators decry the state of affairs of all things educational, and routinely proclaim a crisis is coming or already upon us. But just as every generation in America has resisted and maligned the favored music of their offspring, I suspect this educational outrage is equally ongoing and unending. Is there data supporting the claims that today’s freshmen are more ill equipped to deal with college life?

How does physical movement benefit brain development in elementary students?

I was amazed to learn of the correlation between regular physical movement and brain development in young children. What programs exist that would aid in my bringing movement - and by extension, greater brain development – to my students? What are the latest research findings on physical education’s impact on other areas of learning? What is the physiology involved?

How does art instruction influence other academic progress?

I infuse all my courses with art, and have found it tremendously helpful in capturing the attention of my students. I want to learn more about how art impacts student development, both to make myself better able to utilize this tool and to give myself greater justification for using it. I want to glean all the latest and most well documented research that supports my view that art instruction compliments all other subject lesson planning, captures the attention of a segment of students who would otherwise remain apathetic, and broadens the academic universe of all students.

As this is one of my own personal favorite topics, I'll throw in a thesis, free of charge.   “Art instruction in elementary school curriculums – often among the first targets of politicians seeking to balance budgets – is a powerful and practical educational tool, with far reaching and often underappreciated benefits.”

Possible subtopics include art as a means to reach at-risk and otherwise educationally challenged students; how art instruction gives students a welcome respite from more difficult subjects, re-energizes and makes them better able to focus; how art education compliments and augments standard educationally required subjects; statistical data suggesting (or proving) that students who receive instruction in art have higher grades and do better on standardized tests (assuming this is demonstrable). 

Let's see some data collecting out there!




Reference research: research Dr. and computer research and travel research and my social page




Toshibasatellite

research methods in hci

Today I am going to explain how to use internet for researching a paper. There are a lot of platforms on which you can research about whatever you want like Google, and Yahoo etc. I will prefer Google because it has bunch of staff for any single article. You can't select Wikipedia for research because it is not creditable. So now choose a topic lets say Target Marketing and I will tell you how to give the references for this topic.

First you need to open a web page and give the address www.google.com and write the name of the article Target Market. It will show a bunch of results about this. Just click on any link and start reading. Here is definition of target marketing. According to Susan Ward (2008) "Target Marketing involves breaking a market into segments and then concentrating your marketing efforts on one or a few key segments". This definition is of Susan Ward. It is updated in 2008. This is an example of citation in body.

Start the research for target by population, families, genders, occupations, educations, etc. this is demographic information. Now you will need geographic information like are people like to spend most time out door? What is the weather? Are these people conservative with their money? These kinds of researches will help to find target (Allbusiness, 2008). This is an example of online source. The name of website is all business. And it is updated in 2008.

Market research tell us price is not most important factor customers look at repair service, warranty, performance, and brand name etc. That means price is not enough to think about. A lot of other factors need concentration (Deana, 2007). This is an example of book article reference. The author's name is Deana. It is written in 2007. And the whole reference is listed below.

Mass market retailer is a newspaper which has article of target marketing. They say that before starting any business target the market is one of the important steps. This newspaper is committed to provide the researched informational (MMR, 2008). This is an example of newspaper article. It is published in 2008.

References:

Susan Ward, (2008). Definition of target marketing. Retrieved on September 12, 2008 from http://sbinfocanada.about.com/od/marketing/g/targetmarketing.htm

Allbusiness, (2008). Research target. Retrieved on September 12, 2008 from http://www.allbusiness.com/marketing/segmentation-targeting/848-1.html

Deana, (2007). Products & services, Jennyann Noack, Plan.Target.Market, 123Module 3.

MMR, (September 08, 2008). Target market. MassMarkerRetailer.com. Retrieved on September 12, 2008 from http://www.massmarketretailers.com/articles/Target_will.html




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401k rollover options: Don't Knock Taking Your Employer Stock

Given the growth of the savings of employees of the employer to achieve the goal of seniority, it is not uncommon for employees have a significant number of employer stock in their qualified retirement plans. When it comes time for employees to leave the nest, most are ready for direct rollover of all assets in a qualified plan traditional IRA. It offers a traditional IRA to avoid an immediate consequence of transfer of income taxes, retirement is control over their assets and retirement benefits of tax deferral can continue.



However may be other options for consideration, the type of combined approach . This version of the distribution of shares of the employer directly to pensioners and rolled over the balance of plan assets into a traditional IRA. This combined approach, but not all, may have advantages.By important not including the population of the employer in a traditional rollover IRA, subject to income of pensioners immediately. This is because he / she receives the shares, as the distribution of responsibilities.



However, the fees will be made only by the value of the shares. Therefore, it is important to know, based on the actual costs of your actions are in your employer's retirement plan. The cost base is essentially the administrator of the plan of care of the population. Population exposure to fees can be more profitable in the long run, because in most cases, the values behind the actions of the employer will be much lower than the current market value.The stock held outside of the traditional IRA differ taxes on any assessment.



When a pensioner eventually decides to sell shares, you pay long-term capital gains rate - currently a maximum of 15% - rather than income tax rates, which could work to 35% or more. Moreover, no minimum distribution of 70 1 / 2 or other tax penalties unpleasant for the interests of the, 401k rollover options, employer, can better plan flexibility.And Finally, the heirs of the pensioner may lose a significant reduction in another tax. If these same actions, the actions of employers hire a traditional IRA, the heirs will eventually pay taxes on income in the general population of the employer as they appear on any assets held in a traditional IRA.



This can lead to a significant tax bill on income in the event of death, taxed at 35% of its capacity. Rolled in a traditional IRA, the heirs can not use the long-term capital gains treatment period, when they decided to sell their shares and may lose a tax saving opportunity.There many technical requirements that must be met before such, 401k rollover options, Distribution to qualify as something known as the lump sum distribution. Of course, for the sake of diversification and investment funds can prove that the rolling stock for the traditional IRA may be a wise choice,, 401k rollover options, in many cases.



Therefore recommended that pensioners, taking account of these maneuvers to obtain professional advice. Always consult your investment advisor, 401k rollover options, or financial advisor if you may benefit from carrying on your employer stock.Fearing American worker to remain in the dark, Mr. Morris, who has paid a financial adviser representative of Raymond James Financial Services, Inc. helps 401k participants get the most out of retirement

401k rollover: Rolling Money From an IRA to a Roth IRA - What Are the Winning Advantages?

If you are considering material of money from a Roth IRA IRA account, you must meet certain income restrictions and is the maximum amount that can be converted. But it is today. In 2010, all restrictions that apply to change.The conversion was abolished in 2010. You still have to pay income tax for any pre-tax, 401k rollover, dollars for development. However, the account is tax-free growth in the rest of his life, and distribution of qualified Tax Free, as well.When reached the age of 70, can take distributions, but is not obliged to do so.



With a 401K account or a traditional standard, which are required to take minimum distributions from 70 years. As we expect that people live longer and work well over the last 62 years, hoping that the distributions is more attractive than ever. Means for the same reasons, the money rolled in a Roth IRA, 401k rollover, funds from the IRA is more attractive, safe too.The step is the transfer of funds, rather than a real change. Often these terms are used interchangeably, but there, 401k rollover, are specific laws that apply to any change in the real one.



With, the elimination of all investments. Many investments can be transferred from one account to another, without purification. Settle sometimes leads to actual losses. For example, in overturning the recent fluctuations in the stock market closed the losses of investors. If you could hang on the stock, there is the possibility of recovering their losses. While he, 401k rollover, did not accept the refinance or sell, the loss was only on paper. When stocks are sold, the loss was real.So, it is better to use the opportunity to transfer the money roll MRK Roth IRA.



Contact your financial institution. It applies to a provider of current and the transfer was effected with minimal effort on your part. Only those investments which are not transferable liquidated.If you are considering material MRK Roth IRA money, you may consider the option of self. With self-directed account, you have more control over how you invest. If you have experience in real estate, gold, silver and other types of investments, you can use the account for retirement benefits so that they do not make investments on capital gains that would be incurred if the investment were private fundsNo future taxes on the distribution income or profits earned on higher accountPotentially investmentsThere in certain types of investments that are not allowed in the separate accounts.



A financial institution that manages the accounts can provide this information. Information is also available online.Real property remains a good investment, despite the current market situation.Actually, now is the time to invest in real estate because the prices of money to start low.Before material from a Roth IRA, 401k rollover, IRA account, take a time to learn more about where investments in real estate. This time spent

401k rollover options: 401k Plan Facts - Tax Benefits, 401k Rollovers & Terminating

As head of older people, its security, 401k rollover options, often includes a 401 (k) plan proposed by the employer. The whole concept of a plan seemed simple, but should be aware that 401 (k) plan of action different from the basic premise of saving for retirement. When you start the plan, part of their income is used and invested in this project. These investments, 401k rollover options, will help to earn money for retirement. Simple as it seems to be aware of all the facts relating to the plan so you can be sure that this is the right choice for you.



In to be eligible for 401 (k) plan, you must provide company offers a plan for employees. If your company does not offer a plan, or if you do not like how the plan works, it may be opening an IRA account better, instead of retirement. If you decide to participate in the company offering the plan consists of three phases to follow. To begin, you must complete the appropriate documents to be provided by the employer. Then you should go to the opening session, if the company offers one. Otherwise, do not forget to read all the materials.



The material explains the rules of the 401 (k). This will entail an investment decision, which will vary depending on the provider. Be sure to get more knowledge about the plan as possible before committing to plan.After these two steps are completed, which is to decide which part of their income to help with this plan. Many companies, 401k rollover options, match their contributions. This is an important factor. If your company offers a 100% match, then the 401 (k) plan will be an excellent choice for you.



After selecting the amount, you must select the type of investments to use. Many plans will give you several options, including stocks, bonds and mutual funds. Please note that you have the right to suspend contributions at any time. You simply inform the employer about your decision.There two types of programs available, traditional 401 (k) and Roth 401 (k). Each has different tax advantages. Traditional plans provide two advantages, namely the ability to make contributions before taxes and the ability to then invest that money in the account, tax deferred.



Traditional plans to use money from your salary before taxes. This type of plan income.Roth reduce, 401k rollover options, from 401 (k) Plans for the opposite, and not allow any contributions that are before taxes. This means that the income does not change regardless of what they contribute to a Roth 401 (k). The advantage of this is that when you reach retirement plan, the money will be available tax free. Many people choose a Roth plan, as retirement income will provide tax-free for years. Although this is an interesting advantage, most still invest in traditional plans.



401 K () rollover and termination PlanYou allowed to take savings in 401 (k), if you leave your current job. There are four options when you have and you. First, you can leave alone. Some employers do not allow this, so do not forget to find out if this option is available. Secondly, you can use a roll of 401 (K). This feature allows you to transfer savings under way in the new plan proposed, 401k rollover options, by the employer. Note that you may incur some costs if the investment options are different.



Third, you can use an IRA rollover and any broker make money 401K rollover. This is similar to 401 (k) plan rollover. The main difference is that the money is transferred to an IRA account for retirement, but not 401 (k) plan. Fourth, you can load the plan. This is the last resort, because you are not saving for retirement. You must also pay taxes on the total and the speed penalty for early withdrawal if you make a withdrawal before retirement

401k rollover rules: Financial Planning Advice: 401(k) Rollover Information Your Financial Planner Might Not Want To Tell

Recently, the Pension Protection Act offers good news for non-spouse beneficiary of 401 (K). Now you can arrange a transfer trustee of inherited 401 (k) inherited IRA. This is good news for consumers, and represents a significant departure from the old law back law.The offers most inherited 401 (K), with the same tax regime inherited MRK. 401 (K), the owner must now decide whether to activate or not the causes of rollover investment and not for tax reasons. 401 (k) rollover distribution history of the old tax laws, leaving money in another 401 (k ) for an heir, that your spouse an opportunity for fiscal nightmare.



The rules governing 401 (k) S vary according to the plan documents for a particular company. Often plan documents stipulated that if you left the other 401 (k) to an heir, as well as his spouse, he or she must have the distribution of inheritance of 401 (k) and pay income tax on the distribution of a years after the death of owner.On original $ 1M inherited 401 (K), would pay $ 350,000 in taxes immediately, and the remaining $ 650,000 would be tax deferred for the environment. Inherited IRA were not so limited.



The heir to the $ 1M inherited IRA could take the necessary steps required minimum distributions and keep the money tax deferred environmentstretching life of the IRA. A "Stretch IRA" will continue to grow tax assets, and will cost $ 1 million or more time for non-spouse heir. So the best advice for tax purposes "throwing money into an IRA." Roll your IRA money into a problem because people do not obey the advice and rolling 401 (k) in the IRA, many of these old 401 (k) plans have a substantial, 401k rollover rules, fund of government bonds in its components.



Many of these bond funds pay higher yields on the former fixed income or bond funds today, many old and still have money in these bond funds from 401 (K) of 10 or more years after retirement. The old law forced a choice between the proposal is not the wife of the tax benefits enhance the rights and interests of the owner in cash in accordance with an average of better than bond funds in 401 (k). HotShot is possible that some investors may, 401k rollover rules, show a far better investment of these old funds, but from my experience, it would be a lot of money on these bond funds (including TIAA 403 (state, b)) of bonds or other funds with a fixed income.



the new law, and my decision: the best of both options are more in favor of managed funds, if you find a low cost, the adviser to the ethics of great, 401k rollover rules, career. Now, however, is likely to recommend that the majority of income from a portfolio of 401 (K). The action and the growth of 401 (k) into IRA can be distributed to a wide range of investment opportunities offered through the MRC. In any case, the wife of the heir should not worry about tax consequences, if he or she, fortunately,, 401k rollover rules, or inherit an IRA or 401 (K).

401k rollover penalty: Retirement Planning & 401 K Investing: Secrets To Keeping The Irs Out Of Your 401k

In the future, it will work wherever you are. Or because you retire or get fired change employers, it is your responsibility to be prepared. This is a necessity - the pension depends it.That S ', so that when it comes to their pension funds, you have several options open for when you leave your job. And if you do not know that these options and choose the evil, will be right in the center of the PGI your IRA. This means that the possibility of establishing long-term deferred wealth, the very small.



Option 1: Take a lump-sum distribution (cash) from the top, losing 20% of its funds accumulated since the employer is obliged to deduct this amount from federal taxes. To collect,, 401k rollover penalty, 401k rollover penalty, the pension plan is counted as ordinary income, depending on their level of taxes (regular rate is to reach 35%) may eventually yield more than 20% that do not include state taxes may also apply. Also, if you are under 59 (55 in some limited cases), which will be punished by an additional 10% from the top.



So, our old friend, Uncle Sam only reduced their retirement savings accumulated in their golden years a third or more! Avoid this at all. (Actually, it's hard to even think of him as "Option"). For example, Dan, 50, left his job. K was $ 100,000 for his employer, 401 () plane. Dan decided to take the money from the plan and open a separate IRA. As a former entrepreneur from Dana sent a check of 80,000 USD for distribution - Dan balance of $ 100,000, less 20% withholding tax.



To avoid all taxes and penalties, taking into account not only $ 80,000 check for deposit within 60 days after deployment, and must deposit $ 20,000 (the amount deducted by the employer), the same date. $ 20,000 must come from sources outside the distribution. If we had $ 20,000 from other sources, this amount is considered distribution and is taxed on income and penalties.Sure, Dan will receive $ 20,000 in back taxes due when filing fees, but it may take several months. Why go through it with no problems using the correct method of transmission in order to avoid the withholding tax of 20% and you struggle to find funds to cover the amount of tax at source? Build your wealth and financial security in retirement with his page 3 Other options include: (1) leave the money with the plan of your former employer, (2) Rolling on his new employer, or,, 401k rollover penalty, 401k rollover penalty, (3) Rolling an IRA.



Each of these options will help keep the IRS from the IRA, if you choose wisely and follow all the rules, which can be complicated. However, much remains to be take into account not only the tax consequences. But as for growth? Security? The next Enron? Resignation or retirement of debt funding, 401k rollover penalty, - it is your responsibility to make the right choice for both, in conclusion, taking the lump sum distribution (cash) at 401K means that all the money you withdraw will be subject to tax ordinary income rates of return, which now reaches 35%.



And do not forget that the additional penalty of 10 percent for taxes on ordinary income, if you leave work at 55 years of age. This will let you create wealth for deferred tax assets for you and your family, which means that there is a good chance that he will retire with financial security. This is what you want for you and your family? Avoid all the pitfalls and dangers that can be achieved by selecting the desired type of refinancing your IRA based on their specific situation.Remember individual and unique, this is their retirement savings.



The better you can protect and invest further in the path a retirement pension glorious find.

401k rollover options: Your 401(k) Rollover Choices Explained

Making the right decision with the 401k can be the difference between the previous comfortable ... or not! For most people, your company retirement plan account, which, as a rule, 401k, 457 and 403b, a large part of its capital. You have worked a lifetime to accumulate a substantial nest egg, and do not want to take unnecessary risks and take the wrong decision with the money, because they simply can not replace it. We understand this and help us make the right decisions for you.We specialize, 401k rollover options, in working with people in transition, either between jobs or retired,, 401k rollover options, and our vast experience and knowledge in managing 401k Rollover Guide by selecting you have.



Many investors often criticize their mistakes that cost 410K considerable sums of money in taxes, penalties and expenses ... Errors that can not afford. Just a note in an uncomfortable position on paper everything that you need. There are no do-overs.If retired, who are changing job or have been rejected, it is important that you keep your money working for you, and understand their capabilities. We can help you choose the right course of action for your situation. Basically you have 4 options: 1.



Leave your money in terms of his former employer, savings accounts 2.Roll workplaces at their current employer cash4.Move price plan3.Take Rollover IRA: This option may offer investment options and more with maintaining current tax advantagesLeaving price in terms of former employer or overturn the new plan for business: It could be the best solution, because it is easy, but often not the best option. In general, there are 3 main reasons why it is not always the best option: "As soon as you leave your job at a company that no longer interest them and not you.



" You are limited investment opportunities, which could be harmful to recipients. Many of the existing 40K do not have the same flexibility that an IRA rollover, since many do not take into consideration: "Stretch IRA" Take the money, "Raiding your 401K" is often one of the, 401k rollover options, biggest mistakes I can, 401k rollover options, do. Of course, if a major emergency should be done. But what you have left to be significantly lower: -20% retention by the government just asking for money.



Even if you plan to shoot again, then you will pay 20%, if not transferred directly to a qualified tutor in total 10% penalty if you are under 59-income tax on the amount of the distribution. Remember that this money will never be taxed so the government gets its share. "The distribution can be shifted into a higher tax payment" When all is said and done, one may be less than half of what you started with! Move your money is an IRA rollover - very often the best move .- better control over your money, your investment choices will be limited - with the IRA would have many more investment options to choose from, a business plan for the consolidation of accounts - you can combine all your accounts in a retirement IRA-to keep your current tax benefit - and their savings are losing ground to fines and penalties-N - the money from the retirement plan your former employer Working without tax consequences or other options of punishment to improve the process of planning, as part of an IRA for real estate

401k rollover options: How Do I Start Saving For Retirement?

There are many options when it comes to saving for retirement. It is advisable to arrange for funds through the retirement years, when he was young. On the one hand, you can save more for you to get more money to live, when you stop working. This may seem unpleasant, but it's worth it to reap the rewards after on.There different ways you can save for retirement. The most common is the pension plan. There are many hotels to choose from, you could have private pensions, company pension or something like 401k.



You can also get a pension plan, which means that plans can take many times retire.You may also have a savings account at a bank or other financial institution. Some accounts that, 401k rollover options, you can offer a high level of interest, which means that the collection should be very important for the years of seniority. Again, you could have a savings account and retirement plans to strengthen its income.Once is organized retirement savings can not be abandoned to their fate. You control the pension plans and savings accounts you have.



Check things like speed changes can mean that you are losing money instead of save. If you think that getting face first in the plans you have, for the shop. There may be better than withdraw elsewhere.Once as an opportunity to have an additional income for retirement. Some plans have already, for example, 401k or 403b may be classified as additional income for your business or government, 401k rollover options, pensions. You can also search for part-time employment when they retire to help fund their resources on-line calculator lifestyle.



Many will have a supplementary pension for you to judge what is necessary, additional revenue for Top Of You pension plans and savings . By using this service will help you decide what kind of work you want to give you extra.The job that very little can be done when he resigned from the place I'm at work, teaching, writing, consulting and sales. You will find many opportunities for this type of line of work. You can also find jobs in your area through the work boards.Saving for retirement is that we should all consider to relax and enjoy the rest of our lives and not worry about the next meal.



You can find more information on saving for retirement, 401k rollover options, or a financial expert from various sources on the Internet.

401k rollover: Ira Trusts: What's All The Hype About

One of the latest innovations in estate planning is helping thousands of wealthy people around the country with more than 100000 MRK Transcend tax and property tax. Keep your beneficiary does not blow all the money you worked so hard for.Its lets you control the conditions that must exist before the recipient can access the funds (except the mandatory IRA distributions). It allows you to manage your money, after passing a long away.It retain their activity outside of the, 401k rollover, spouse beneficiary does not like it, or simply to be the evil hands.



It 'S called the IRA Inheritance Trust, which is only a very select group of lawyers planning can be made very few and far apart. But armed with the know-how, literally, unable to protect their money from their worst nightmares and ensuring that the activities of these two, we know that he worked hard for life is protected and even increased for the prevention of future generations If you have IRA accounts have more than $ 100,000 (including any amount you can rollover 401k or other employer), thanks to new tax legislation, which could ultimately be worth millions of dollars to their relatives or may be, 401k rollover, a serious plan for your performance in progress! Your trust, or rather, fails to adequately protect their IRAs.



Now another thing I want to say to you, and it is a bit 'strange, is that really care, 401k rollover, about our clients financial well beyond the adoption or the will trust. Most of us older people, I found even more confidence in some financial sectors that have a direct influence than it was in the planning of their property! If you want to avoid a will (a costly and time-consuming legal), has created a trust of life. To increase the IRA, protect and use this section of output tax for the beneficiaries, which may be provided, should plan NOW! We can say that the IRA has no more secrets to help you find assetOne that the new rules on income taxes, the IRA, when inherited, may actually prove to be an important resource for their loved ones receive from you! But you know what? Your MRK, and potentially most important asset to leave their loved ones, could, 401k rollover, also face a triple taxation! And you also have the possibility, 401k rollover, of inheritance tax up to 48%! The bottom line: You want to maximize your IRA, so that potentially worth several million dollars per family in the future (on the left and apply to their desires for love and exact family), or risk, and, 401k rollover, left without protection and ready to eat part of the government? If you plan properly today, you can transfer more wealth for many generations of beneficiaries.



Let's look at this example of real life (we see a very regular basis). Many people tell me that their children were responsible. They say: "I know, 401k rollover, that my beneficiaries, and make the right decisions." First, many people do not know the rules imposed IRAs.This true story: the mother dies. Daughter learns that he is the recipient mother from the IRA. Daughter goes and goes. She takes control, and when you are negotiating to check, you must pay all taxes! You can not go tax.



When, who is taking money from an IRA are not taxed on it, if it is replaced within 60 days, and the recipients do not have the same rule. So, if carried out, even for one day, we can not go back and in.Now return, some beneficiaries to do so. It urged the custodian (bank, investment fund or trust company that really has its work of the IRA. She says, 'What can I do? "They say," To suggest a death certificate, and mail you a check. You will receive a check for several hundred thousand, 401k rollover, .



banks, and what do you think the rest of the year? spend. He sees the next year,, 401k rollover, the bookkeeper and accountant, said: "you have more than 100,000 dollars in taxes here." You know that he said? "I have no money." And here is another problem that occurs all the time! and, sometimes, not the beneficiary's spouse, it is safe to say that most have or will inherit from their 401K. They have a different set of segment rules. (stretching means ....) This plan replaces the conventional stretch IRA rules.



Some their children or beneficiaries may be thinking, "I am the mother of 401k or IRA and Roll It Over in our own IRA tax-free. "Uh-huh.. How many people can make tax-free rollover You and your spouse. spouse beneficiary

401k rollover penalty: How to Take Control of Your 401(k) And Avoid Common Rollover Mistakes

Over the years, has allowed the IRS 401 (k) participants the opportunity to take what is called "out of operation and the withdrawal of the", 401k rollover penalty, difficulty of these pension accounts. But just because you can not mean that its growing number of plans, plan administrator does.A start producing the needs of participants. Especially given the increasing number of reports on rates, lack of investment advice and limited investment opportunities available in these plans. This option is particularly welcome the new discovery during the economic downturn.



Rather than close the lack of choices, high costs, in order to organize your employer, you can withdraw funds in the IRA and roll, which has almost unlimited variety of options. These options allow you more control, greater flexibility. To find out if your plan allows this option, contact your advisor and see the summary plan description or contact the Department of employee benefits in the workplace. Not only because it is currently available does not mean they will not change the rules. And even if you use this option, you can take part in the project and continue to receive contributions from the employer.



There may be certain conditions and restrictions. Assuming that you can make such a conclusion that must follow IRS rules to avoid unnecessary penalties and, 401k rollover penalty, taxes, if not done correctly. The first mistake to avoid doing what many call the roll. Program means that the plan allows you to test you, and you have 60 days to another qualified plan, in principle, IRA.If do a rollover, the plan must withhold 20% tax. And if they are 59 years of age, 10% penalty for early termination.



And you have to pay taxes of 20%, which was denied as well. All this can be avoided by working with a consultant specializing in such transactions. This in itself is painful, but more is coming true does not put money into the account of another qualified back in the box for 60 days. If for some reason, lost all of their tax status protected completely passive income for the year of withdrawal and no tax deferred growth. But do not let these obstacles stop using this service, I forget, 401k rollover penalty, the difficulties.



It's actually easier to do it right, when working with a consultant familiar with the process. And once you're done, you have more control, more flexibility and more options.

401k rollover penalty: 401K Transfer

Transfer of 401K can be done in a few cases, but there are many rules that must be taken into account in order to preserve their savings safe.You King 'is just an opportunity to move your account immediately, 401k rollover penalty, after 'use, often within 30 days or when a queue of 59 years and 6 months, or when you leave your job retire.When there are several options for what to do with your account. You can leave your money in planning your former employer can be rolled into a plan with your new employer or roll into an IRA (individual retirement account) or you can load out.



When to 401K transfer to a new employer Work must be very careful as to how to fill the roles. You are responsible for this documentation, and if completed correctly can be considered as a collection of IRS, and then you have to pay fines will describe below. When filling out forms 401K choices that you want to be clear desire to provide the Trustee. This means that you want the funds to go directly to the new account, do not come to the test. Even if you take this check and put money into the account yourself,, 401k rollover penalty, you run the risk of this is seen as the cash from the government.



Furthermore, when the check comes to you, your former, 401k rollover penalty, employer is legally obliged to retain 20% of the account to pay taxes on the account. We have many problems, if it happens, so make sure it is clear he wants the funds directly transferred.When you decide to transfer to an IRA 401K, but still wants the funds go directly to the IRA, but about you. The only significant difference is that it depends more on the account, and the need to find a company to open an IRA itself.



You want to make sure you do the rollover a traditional Roth IRA because, instead of the traditional accounts of the Fund at a pre-tax money into a 401K, Roth accounts, which were purchased after the first tax.When cash pay heavy sanctions. If you have the cash instead of paying 401K federal and state transfer taxes on the amounts withdrawn from the account, plus a ten percent commission for early withdrawal. Federal tax rate is determined by the level of fees, which can be evaluated according to tax documents last year, and state taxes are determined by the State, which represents the general treasury so different for everyone, but the percentage could be easily 30% to 40% more funds from accounts that you have built up to retirement age.



This is a lot of money to lose, so people usually did not feel they have no other choice. For, 401k rollover penalty, this reason it is so important that you clear your wishes in the 401K documents

401k rollover rules: Can I roll my 401k to a Roth IRA?

I can do my 401 (k) to Roth IRA: questionin frequent cases of many, the employer offers a savings plan for retirement, 401 (K). If I ever leave this job, you should take a decision on the 401 (k). You can pick up and take into account that, after taxes, but not recommended. So this gives the answer to the question, Roll My 401 (k) to Roth IRA? Answering "yes", but for most people is probably the best thing to do. If you decide to rollover, you must have a Roth IRA. If you are not currently available, it should open a new account before making the transfer rollover.



Types: Direct Rollover / indirect RolloverWhen is a 401 (k) plan, there are two types of rollover to choose from. The first is a direct translation. Typically, this is the best option. With the direct transfer of funds from 401 (k) will be sent only to the Roth IRA. The only requirement is that you have already opened a Roth IRA. With this type of transition should not be punished for retirement or withholding tax with the translation. A simple question about transferring funds from one account to another type of other.



The Roll is indirect. This may be more complicated. You can groped to find the answer if you can Roll Your 401 (k) for a Roth IRA. Once you have determined that it is possible that he may have lost valuable time. Indirect rollover occurs when the distribution of 401 (K). In short, you might get a check in the amount of your 401 (k) accounts. If you receive a check, you will notice that this amount will be less than 20% tax. That's where things can get complicated. In order to respect the rules of 'IRA, the transfer must include the full, what was in your 401 (k).



For example, if you have $ 100,000 to the account, you might get a check of 80,000 $. Now, when are you going to do the transfer, you must find a way to achieve this 20%! This means that you must find $ 20,000 to cover, 401k rollover rules, the difference. Do not panic, because as long as the rules, you get 20% refund when you file your return at the end of the year.In addition to the issue of 20%, and also a time when it is necessary to complete the transfer. The date on which funds are allocated to the 401 (k), you will have 60 days to complete the refinancing, 401k rollover rules, .



If you have not Roth IRA account open, you must open a new account and make up 20%, which was lost to taxes. The incident should be completed within 60 days.Requirements To extend the Roth 401k IRANow discovered that you can Roll Your 401 (k) to Roth IRA, you must ensure that they meet the guidelines for eligibility for a Roth IRA, 401k rollover rules, . Of course, if you already have a Roth IRA, do not worry about it. However, if you must open a Roth IRA, you must know the rules for Roth IRA. The, 401k rollover rules, most important factor is your income.



Currently, in order to qualify for Roth IRA, your adjusted gross income can not exceed 120,000 $ per year. If you exceed this amount, you can not open a Roth IRA account.If lose your job and are about to roll your 401 (k), IRA retirement, 401k rollover rules, account is the best option. Direct Rollover is preferable but not always possible. The process of rolling your 401 (k) to Roth IRA is not difficult as long as they follow the rules

401k rollover rules: ROTH 401(k)'s... A Wolf in Sheep's Clothing

Roth 401 (k) Review: on 1 January 2006, employees can make their 401 (k) contributions in any pre-tax or after tax, or a combination of both. The limits of the contribution that apply to this 401 (k) contributions in 2006 (whether made before tax and net of taxes, or both) are: 1. Limit base of 15,000 $ from more than 2. $ 5000, and the employees, who 50 years or employer older.The remains responsible for withholding federal tax (and state and local tax revenues, if any) and payroll taxes from the party, after taxes of 401 each dependent K () .



* although the contribution of non-federal (state or local authorities or, where applicable) income tax is deducted from contributions before taxes, taxes on wages apply amounts withheld as contributions. Absent additional pre-tax IRS tax guide for both projects after-tax contributions and reporting each employee W-2, as happens now. We hope, 401k rollover rules, that the IRS (before issuing W-2 forms for tax year 2006) propose a new code for use on the Form W-2, a post-tax burden contributions.



A separate account must be established for each participant who wishes to make Roth 401 (k) contributions.Rules Roth 401 (k) to help you decide, it is important to understand the rules for Roth 401 (k) Roth 401 (k) accounts have different accounts - after payment of contributions can not be combined with pre-tax contributions.Distributions Roth 401 (k) will be exempt for purposes of federal income tax, provided that a 5-year participation requirement for eligibility of the events are met: a) a period of 5 years, starting from the first contribution to any Roth 401 (k) plan.



b by the employer) is limited to qualifying events to reach the age of 59 1 / 2, death, or disability.Rollovers Roth 401 (k) may be any other employer sponsored Roth accounts. To return to the Roth 401 K (), valid for 5 years from the date stated the first meeting, which has become an expense, or the date of receipt of the Rota was reserved established.Our following is a summary of our reserves. Please contact our office for further discussions on detail.A. IRS should issue guidance to clarify that in determining the five taxable year holding period, based on its calendar year, instead of year.



B. The requirement that the plan administrator of the plan of administration may be responsible for monitoring the right to assistance Rollover Roth 401 (k) plan and the time of Roth contribution was made before it would, 401k rollover rules, have been an obstacle to the acceptance of contributions rollovers to Roth and effectively restrict the transfer of these sums. Participants must be responsible for monitoring as the primary account and overturning moment Roth contribution was made.C. Sponsor plans to allow Roth contributions must also be able to include the provisions of the plan, setting standards in relation to these sources to account for all types of floor distributions.



D. IRS to issue sample or good faith amendments that plan sponsors may use without prejudice to the trust in previous letters determination, notification letters or letters of opinion regarding the classification of the conditions of his plans.E. Sponsors of 401 (k) plans allow Roth (K), which introduce the automatic application should be able to choose if, before tax,, 401k rollover rules, or Roth (k) contribution choice will be the default choice for participants.F. Sponsors of 401 (k) plans allow Roth (k) contribution to the program should be able to impose restrictions on capacity and frequency of plan participants to choose between Roth (k) contributions for the pre-programmed calendar year without violating IRS tax rules.



G. A new model, 401k rollover rules, of distribution with the distribution of light and a pre-tax elective and designated Roth contributions will be necessary. The current model has, 401k rollover rules, 6 pages length.H. The plan sponsor should be able to support a plan that only allows Roth contributions, not pre-deferrals.Final net salary NoteAgain, it is recommended that employers and sponsors of 401 (k) plans that are considering adoption Roth's position to take seriously the reservations mentioned above.



It may be best left for another race ahead and see how fare.Lawrence Groves is the director of services for