1. Planning Your Retirement By Vincent ScaliciVincent Scalici Computing Environments 8:00am- 9:15am There isn’t anything better then saving money, and going on that hidden beach hide-away vacation.

2. Why Plan Ahead? Its not exactly easy to save money, but after you see the numbers you will realize why planning ahead of vitally important to a successful retirement. 401 K Plans for example are vital to today’s retirees. Planning ahead is much more then knowing your going to have enough money. Planning ahead will keep you from having to ever rely on anything other then your own money. Many studies have been done about how effective it is to start saving early. You can learn more about this study by clicking here.here

3. Who needs Taxes? Not YOU! Because after this presentation you will see the benefit of beginning to save as early as possible. The 401K plan is SO beneficial to people who are planning ahead because the contributions are taken from the pre-tax income.401K plan

4. Tired of not being able to spend ? Saving sooner is saving less! When someone begins investing at a younger age, over time they will be able to spend more. Investing is generally one of the best ways to get rich, why wait until after retirement. By investing earlier, the investment has time to grow and come retirement, that investment will be much more valuable. Here are some scenerios for investing early!

5. Calculations for retirement based on an Information Technologies Job Starting Salary : 52,500 Age of Retirement: 63 Age Beginning Work : 23 Inflation Rate : 3.753.75 Average Return Rate : 6.3% Years Expected to live after Retirement: 25 Even today this starting salary is realistic. College students with harder, more needed degrees can easily be starting at over 50K. Even though some of these will very, they will all be used no matter what to calculate ones benefit from investing.

9. Long Term Investing Long Term Investing has do with the money you use while you earn. As you make money, the money you must save will drop because of dependent savings and earnings are on eachother. The benefit of using a 401 K or IRA account for retirement is to prove that a small income can become a large fortune over time. Nationwide can tell us about the fortunes 401K bring to us if we invest over time. Nationwide

10. Conclusion Investing early is by far the best way to go. Over time the best returns come from long-term investing and saving early. A 401 K or IRA can turn a small sum into a large retirement jackpot.

11. http://www.suite101.com/content/saving-for-retirement-in-your- 20s-a39999 http://www.suite101.com/content/saving-for-retirement-in-your- 20s-a39999 http://www.suite101.com/content/overview-of-a-401k- retirement-account-a142208 http://www.suite101.com/content/overview-of-a-401k- retirement-account-a142208 http://fitzvillafuerte.com/the-benefits-of-investing-early.html http://jobview.monster.com/Information-Systems-Assistant-Job- Job-WOODS-HOLE-MA-93879679.aspx http://jobview.monster.com/Information-Systems-Assistant-Job- Job-WOODS-HOLE-MA-93879679.aspx http://www.nationwide.com/401k-retirement-plans.jsp http://jobview.monster.com/Information-Systems-Assistant-Job- Job-WOODS-HOLE-MA-93879679.aspx http://jobview.monster.com/Information-Systems-Assistant-Job- Job-WOODS-HOLE-MA-93879679.aspx