2013

Home / Archives for 2013

View retired Americans of middle age as Old School

Posted by Unknown Sunday, February 3, 2013 0 comments

View retired Americans to mature as Old School people Americans increasingly view the concept of retirement than spending, according to a new report by hearts & wallets, one retired and research undertaken.

More than half (55%) say 65 53-year-old American, they plan to continue to work full time so that their State of health allows, up to 51% last year. And among workers full time more than 65, 46% plan to continue to work full-time and 41% at least part-time, Laura Varas, Director of hearts & wallets, said in a telephone interview.

What we re seeing in focus groups, she said, is that for many Americans of middle age he doesn t feel smart for his retirement.

Mature Americans also have higher levels of anxiety of investors than other age groups, the study found. In mid-2012, 42% of investors age 45-54 reported moderate anxiety to high with only 30% feeling safe. The stems of the anxiety of the fragile US economy, the financial crisis in Europe and the trading automated, where investors feel distort stock prices, according to Varas. Investors question if actions reflect the fundamental value of the company, she said.

The report, which covered 40 years 60 Americans, found that investors are unable to tell the difference between the brokerage firms of full-service such as Merrill Lynch companies autonomous such as Scottrade, perceiving them as identical in terms of price, service and quality products. For example, they gave a high note fidelity and Vanguard and fidelity as the service provider, even if the company is primarily a self-service.

In the study, Fidelity is perceived as having the better quality than Merrill Lynch, in part because of the loyalty s online services, Chris Brown, Director of wallets & heart, said in a statement. It would have been unthinkable five or 10 years.

The study showed that middle-age Americans want personal advisors as well as online tools. He found investors to mature like to use online tools to perform initial research and review their investment with advisors and research strategies. Middle-aged investors tell us they want both, they need both, they both require, Varas said. Both, says, go together like the peanut butter and jelly.

The report, which is based on the nine groups of discussion that is held in Boston, Chicago and Los Angeles from September 10, 17, relies on the quantitative survey annual closed s in addition of 5,400 U.S. households.

View the original article here

Advisors & TPAs: Don't Miss the NAPA/ASPPA 401(k) SUMMIT 2013!

Posted by Unknown Saturday, February 2, 2013 0 comments

By now you’ve heard of NAPA—the National Association of Plan Advisors—a new organization created by, for, and led by retirement plan advisors.

The truth is, NAPA was born out of necessity. The debates over a uniform fiduciary standard and the definition of investment advice under ERISA proved that policymakers in Washington have little understanding of what you do. And given the economy’s uncertainty and the debate about the future of 401(k) plans, it’s critical that advisors have a strong voice in Washington.

That’s where NAPA comes in. We’re developing a powerful grass roots and grass tops program that will enable advisors to clearly be heard on Capitol Hill. Plus, NAPA will have ASPPA’s political clout and expertise behind it every step of the way.

Beyond advocacy, NAPA also provides outstanding educational opportunities to advisors through ASPPA and TRAU. TRAU is The Retirement Advisor University—it’s part of UCLA and is run by industry veteran Fred Barstein. As a member of NAPA, you’ll have the opportunity to become more knowledgeable and more valuable to your clients and prospects.

Bottom line—NAPA’s mission is to represent retirement plan advisors—to be a leader in the evolution of the national retirement system to improve transparency, effectiveness, and governance—in an effort to improve the retirement outcome for participants. For more information and to join, visit www.asppa.org/napa.

View the original article here

Advisors & TPAs: Don't miss the 401 (k) NAPA/ASPPA Summit 2013!

Posted by Unknown Friday, February 1, 2013 0 comments

By now you’ve heard of NAPA—the National Association of Plan Advisors—a new organization created by, for, and led by retirement plan advisors.

The truth is, NAPA was born out of necessity. The debates over a uniform fiduciary standard and the definition of investment advice under ERISA proved that policymakers in Washington have little understanding of what you do. And given the economy’s uncertainty and the debate about the future of 401(k) plans, it’s critical that advisors have a strong voice in Washington.

That’s where NAPA comes in. We’re developing a powerful grass roots and grass tops program that will enable advisors to clearly be heard on Capitol Hill. Plus, NAPA will have ASPPA’s political clout and expertise behind it every step of the way.

Beyond advocacy, NAPA also provides outstanding educational opportunities to advisors through ASPPA and TRAU. TRAU is The Retirement Advisor University—it’s part of UCLA and is run by industry veteran Fred Barstein. As a member of NAPA, you’ll have the opportunity to become more knowledgeable and more valuable to your clients and prospects.

Bottom line—NAPA’s mission is to represent retirement plan advisors—to be a leader in the evolution of the national retirement system to improve transparency, effectiveness, and governance—in an effort to improve the retirement outcome for participants. For more information and to join, visit www.asppa.org/napa.

View the original article here

[Opinion] What 30 Years of 401(k) Mistakes Teach Us

Posted by Unknown Thursday, January 31, 2013 0 comments

Stace Hilbrant, recently named Plansponsor’s 2012 Retirement Plan Advisor of the Year, is Managing Director and Founder of Chicago-based 401k Advisors, LLC. Since 2001, Hilbrant and his associates have assisted plan sponsors of 401k plans of all sizes. The firm represents small to mid-sized companies from manufacturers to printing companies and professional sports teams to firms engaged in the automotive and aerospace industries and has over $1.2 billion in assets under management.

Stace has been in the financial industry for more than 30 years, including 20 years with one of the 401k industry leading service providers. Stace, is a Registered Investment Advisor and holds Series 6, 63, 7, 24 and Series 65 designations. He is also an Accredited Investment Fiduciary (AIF), a Plansponsor Retirement Professional, and Registered Fiduciary (DALBAR). Stace’s expertise ranges from employee education and investment due diligence/asset allocation to vendor reviews /cost management and fiduciary liability management.

/conga/retirementors/bios/hilbrant_stace.html 235904 The RetireMentors is powered by

I've been in the retirement plan industry since 1981, more than 30 years! I started my career with one of the industry's leading providers and record keepers for corporate defined benefit "pension" plans, like your grandfather had when he retired from working for the railroad for 50 years.

In the early 80s, as we watched companies by the dozens start freezing and terminating these "pension" plans, it became clear to most of us that the newly minted "401(k) plans" were going to become the sole vehicle that the industry would count on to provide retirement security for millions of Americans.

401(k) plans have since become the single largest financial asset most average working class Americans will ever have, and, they're the most mismanaged. Although there have been dozens of mistakes, here are the most critical mistakes we've all made and what can be done to reinvent these savings vehicles, to create a new generation of Americans who can be properly prepared for their long awaited retirement years.

Less than 42% of Working Americans have ever attempted to estimate how much money they will need to last during the 20-30 years they may live after they turn 65 and stop working full time (commonly referred to as “retirement”)
2007 Employee Benefit Research Institute Study

Every American who has access to a 401(k) plan, IRA program, etc. should use any tool available to estimate how much money will be needed (including medical care costs & expenses), and put a strategy in place to save more if they're drastically underprepared now (hint: there is general agreement that the percent of American workers who are underprepared is somewhere near 95%, depending on what your definition of "prepared" is). See: MarketWatch’s new Retirement Planner

Solution: Don't waste another weekend without taking the time to calculate what you will need in terms of retirement income during the 20-30 years you will likely live in retirement and compare that estimate with what assets/retirement income you will likely have in retirement and make any necessary lifestyle changes immediately!

We Americans are great spenders and terrible savers.

You can tell what great spenders we are by paying attention to how many people are lined up for days on end outside the local Apple store to get the latest version of the iPhone or iPad. Americans are more interested in watching "Dancing with the Stars" or what Kim Kardashian is wearing at some Hollywood dance club than they are in spending 10 minutes reviewing what their retirement years will look like. My industry experience tells me that most Americans have virtually given up worrying about what their retirement futures hold for them, the problem of being poorly prepared for retirement is just too grim.

Solution: Become very, very good at living "beneath " your means. Suzy Orman and Dave Ramsey's main messages in recent years have shifted from living "within your means" to living "beneath your means."

There is a huge difference between the two. Figure out immediately how to solve this dilemma for your own family! If you are financial challenged and can't buy Suzy Orman or Dave Ramsey books, go to the library (at no cost) and study their websites and other financial/home finance blogs for hundreds of great, life changing financial ideas, including "eating beans and rice" until you pay off your high interest credit card balances and become debt free and becoming able to save properly for retirement.

Most of us should be deferring/saving between 10% and 15% of earnings to be able to retire and live on 75%-80% of the income we were earning when we turned 65.

Exceptions to this statement include situations where your parents/grandparents or rich uncle passed away and left you millions of dollars (good for you!). However, most American's don't inherit anything and save just a fraction of the amount necessary to afford themselves sufficient income in retirement to live comfortably. This is especially true when considering the tens of thousands of dollars that medical insurance and out of pocket costs add to this equation (Putnam Investments leads the industry in the research they've done in this area). Putnam Investments estimates these costs in retirement years to be in excess of $150,000.

Learn everything you can about diversifying your investments and seeking low cost investments!

Most investment and insurance companies, financial blogs and websites have tons of great free information about how to create diversified investment portfolios and how to find and utilize low cost investments. Chasing past investment performance, having only a few stocks, or leaving your assets in a money-market account are just a few of the hair brained mistakes most people make when they simply don't know what to do with their money.

Solution: I'm a big fan of you learning everything you can about saving and investing, you then don't have to pay a broker 1% commission off the top to get his/her "assistance." You are also less likely to be sold products or services that may not be in your financial best interest if you did the homework yourself! Have you ever noticed how many celebrities or millionaire professional athletes end up declaring bankruptcy?

We need to realize that our Government cannot solve this crisis of retirement readiness.

With increased stress being placed every year on the Social Security system, we will likely see some sort of change for future retirees, that's just a reality. Senator Tom Harkin recently proposed a plan to change how Americans save for retirement. The fact is, 401(k) plans work just fine if they are managed properly and Americans participate sufficiently.

Solution: If you're a participant in a 401(k) plan, make sure you're saving enough to be 100% prepared, in other words, to be "retirement ready." Encourage your employer to add low cost investment options to the program. If you have an "adviser" now, make sure he/she is available to you and your co-workers to provide advice, guidance and retirement income projections. If they're not accessible, encourage your boss to replace them with someone who is available to everyone, regardless their status in the company or level of pay! Most fees and commissions come out of your account, remember, advisers should be working for you!

I encourage everyone I speak with to become the champion of their own "retirement readiness." Don't wait another month! You cannot rely on government for a confident retirement and you must learn how to make saving for retirement the most important aspect of your financial life.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investment(s) may be appropriate for you, consult your financial adviser prior to investing.

Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Independent Financial Partners, a registered investment adviser and separate entity from LPL Financial.

View the original article here

What's the Price of Retirement Confidence?

Posted by Unknown Tuesday, January 29, 2013 0 comments

What’s the Price of Retirement Confidence? Americans Who Have $250,000 or More in Investable Assets, a Wells Fargo Study Finds
The 401(k), Social Security and Role of Individuals
About half of all Americans surveyed view the 401(k) as the best retirement savings vehicle when asked to select from a list of options (52% among affluent; 49% among those with less than $250,000 in assets). Not surprisingly, affluent Americans contribute a higher percentage of their salary (median=12%) to their 401k plan than those with less than $250,000 in assets (median=7%).

Additionally, affluent Americans expect Social Security to play a smaller role in their retirement than those with less than $250,000 in assets , who expect Social Security to cover a higher median percentage of their monthly retirement income (median=20% compared to 25%). However, both groups have similar expectations on the following: When asked to assign a proportion of responsibility for funding their retirement, the majority (50%) assigned responsibility to the individual through saving and investment, followed by the employer though a pension (25%) and by the government through Social Security (20% by the affluent and 25% for those with less than $250,000 in assets).They expect to begin taking Social Security payments at the median age of 65. Similarly among those not retired, majorities of affluent (78%) and those with less than $250,000 in assets, (71%) believe they will have the option of delaying the age at which they begin taking Social Security so that they’ll receive higher payments.Majorities of the affluent (54%) and those with less than $250,000 in assets (61%) are not willing to take a reduction in their Social Security and/or Medicare benefits even if it would help the country head towards a path to reduce its debt burden. Affluent women (45%) are more likely to be willing to take a reduction in their Social Security and/or Medicare benefits than women with less than $250,000 in assets (30%), but there is no such difference among the men in both groups (36/37%). About the Survey
On behalf of Wells Fargo, Harris Interactive Inc. conducted 1,800 telephone interviews among those aged 25-75 focusing on attitudes and behaviors around planning, saving and investing for retirement. Harris conducted 400 interviews among those with $250,000 or more in investable assets and 400 interviews among those with $100,000 to less than $250,000 in investable assets. The remaining 1,000 interviews were conducted among those who fell within specific income and wealth brackets (those aged 25 to 29 had 2011 household income of $25,000 to $99,999 and household investable assets of $99,999 or less and those aged 30 to 75 had 2011 household income of $50,000 to $99,999 or household investable assets of $25,000 to $99,999). Among the working affluent close to two-thirds (61%) had 2011 household income of less than $150,000. In comparison, 92% of those with less than $250,000 in investable assets who are not retired had 2011 household incomes of less than $150,000. The survey was conducted July 9 – Sept. 7, 2012.

Data were weighted as needed to represent the population of those meeting the qualification criteria. Figures for education, age, gender, race/ethnicity, region, household income, investable assets, number of adults in the household, and number of phone lines (to adjust for probability of selection) were weighted where necessary to bring them in line with their actual proportions in the population.

View the original article here

The 401(k) Paper Chase: AARP Fights for Continued Use of Hard-Copy Participant Communication

Posted by Unknown Monday, January 28, 2013 0 comments

Ever wonder why the retirement advisor community, the Department of Labor and the AARP never seem to see eye to eye?

While the animosity between the industry and the Feds is one thing, the seemingly benign and pro-retiree AARP continues to build a divide between the public and retirement professionals - and a new study seems to reiterate one particularly burdensome sticking point.

According to the AARP's "Paper by Choice" research survey, people of all ages - seniors in particular - are said to prefer receiving all of their retirement plan information in paper form in the mail, rather than in an electronic fashion.

The AARP says it polled more than 1,000 consumers aged 25 and over and found that the overwhelming majority prefer to get their retirement plan documents in paper form, even those who do have computer access, email addresses and admit that they spend a considerable amount of time online every day. So the AARP continues to push for paper first, electronic as a secondary and less warranted option.

"AARP has long had concerns about this approach, and our new survey indicates that the public shares those views," says Cristina Martin Firvida, AARP's director of financial security issues. "Retirement plan participants of all ages overwhelmingly prefer a policy that requires documents to be delivered in paper form, with an option to choose electronic delivery, rather than the other way around."

With yesterday's latest round of fee disclosures currently in the mail and most in the industry adamant that the extra paperwork is not only expensive but mostly ends up being discarded by recipients, the survey data demonstrates just part of the considerable divide that exists between the three parties - not to mention the overburdened consumer population.

Throughout the year, members of the retirement industry have continued to try to press the DOL to markedly simplify (and drastically reduce the costs of) the fee disclosure process by allowing electronic distribution of the multiple statements, warnings of statements, notices of changes and notices of updates that plan participants are now receiving.

I know personally I got about a dozen mailings from my own plan administrator, most of which were single page letters warning me that I was going to be getting more mailings. You know where they all ended up. (Even better, I also printed out all 14 pages of the AARP report, just to further create work for my recycling contractor.)

Earlier this year, the crowd at the spring ASPPA gathering posed that very question to the DOL's second-in-charge, Michael Davis - who's now jumped ship and returned to the private sector - and he suggested that concerns about seniors' (and participants in general) lack of access to the Internet meant that the heaping mounds of paper were going to be the norm.

That's resulted in single mailings that cost plan sponsors hundreds of thousands of dollars, and aren't resulting in particularly engaged, involved, upset or even interested participants.

This seems a little odd considering I read earlier in the week that there will soon be more smartphones out there than people, and that the saturation of electronic media, even among seniors, continues to grow.

Rather than putting the onus on more and more mailings - as high-minded a concept as it may be for your grandmother to collect more junk mail - it seems strange that the AARP has continued to bang away at this subject, rather than the great, dark secret of the whole fee disclosure debacle: the sticky detail of plan expenses.

Those plan expenses, as many critics have noted, aren't really made any clearer despite this mountain of fee disclosure paper. I recently spoke with Greg Carpenter, founder of Employee Fiduciary, a small business 401(k) administrator, who agreed that lack of clarity on plan expenses and share classes - whether a conscious decision on the part of the industry, or not - are probably a more important topic for advocates to tackle.

"In my opinion, the big guys lobbied enough not to have to show any indirect payments and they also don't need to disclose the share classes, as they said that would just confuse the overburdened investor," he said.

That share class information, he argues, also adds some value to your role as a retirement advisor and intermediary between those providers and their investments and the plan sponsors, all of whom may be slighly obfuscating the details.

"If an advisor is prepared, you can show a participant the details. Is it institutional? Does the distribution company get some amount of money for each share class? That becomes really important, and then you can unpack the details and show how much the participant is really paying in fees."

Ultimately, he agrees that clarity is important, not matter whether it comes in a pile of paper or in the form of an email - and interpretation is key to keeping your participant investors happy and involved.

"I think participants should also demand to see information at the plan sponsor fee disclosure level, and I don't see any reason that a plan sponsor wouldn't do that. If you're proud of your fees being so appropriate, why aren't you disclosing them?"

Next » Page 1 of 2 Related Articles Is a December 401(k) match really a present? Top-ranked 401(k)s take fees into consideration Hostess diverted workers' pension funds, company admits DOL to offer new version of fiduciary rule ‘in several months’ Aging global workforce set to tap DB plan reserves Previous 3 ways to take advantage of still-low tax rates Next At no cost to you? Related Terms Strategies 1451 Products 1040 Practice Management 878 AARP 34 Michael Davis 10 electronic media 6 Cristina Martin Firvida 2 Employee Fiduciary 2 Greg Carpenter 2 Comments /* * * CONFIGURATION VARIABLES: EDIT BEFORE PASTING INTO YOUR WEBPAGE * * */ var disqus_shortname = 'benefitspro'; // required: replace example with your forum shortname // The following are highly recommended additional parameters. Remove the slashes in front to use. var disqus_identifier = '50a52449150ba0d6090000e3'; var disqus_url = 'http://www.benefitspro.com/2012/11/15/old-school-the-401k-paper-chase'; var disqus_title = 'Old school: The 401(k) paper chase'; /* * * DON'T EDIT BELOW THIS LINE * * */ (function() { var dsq = document.createElement('script'); dsq.type = 'text/javascript'; dsq.async = true; dsq.src = 'http://' + disqus_shortname + '.disqus.com/embed.js'; (document.getElementsByTagName('head')[0] || document.getElementsByTagName('body')[0]).appendChild(dsq); })(); OAS_RICH('Right1'); Sponsor Showcase Smarter Benefits Investing

Ridgeworth Investments and BenefitsPro have partnered to offer you critical information and education tools for successful personal branding. Learn more »

Most Popular Trending 6 ways to prove your worth to a plan sponsor 7 retirement planning myths debunked Forget resolutions, think regulations Drug coverage to vary under health law Celebrating your way to wellness ADP Plan Sponsor Council of America Society for Human Resource Management American Benefits Council Bob Kaplan Brett Goldstein drugstore chain health insurance exchange insurance plans Retirement Advisor Pro eNewsletter

Get the latest details in compliance and regulation from a practice management eNewsletter dedicated to benefits brokers specializing in the retirement space – FREE. Sign Up Now!

You are signed up!

See the entire list of BenefitsPro eNewsletters.

TwitterFollow Resource Center OAS_RICH('Middle1'); OAS_RICH('Right2'); OAS_RICH('Bottom'); BenefitsPro

BenefitsPro.com helps benefits brokers, HR managers, and retirement advisors get the information they need to keep their finger on the pulse of the ever-changing benefits community.

Follow us: Twitter Facebook LinkedIn RSS

Advertise • Contact Us

FreeERISA Support

Benefits Brokers Core/group Voluntary Consumer Driven Sales Strategies Regulatory Enrollment Executive Benefits Managers Employer-paid Employee-paid Compliance Cost-containment Employee participation Wellness C-suite Retirement Retirement Advisors Legal Practice Management Products Strategies FreeERISA Our Products Deluxe Search Document Retrieval myFreeERISA FAQ eBooks Legal & Privacy Terms of Use Support More Buyer’s Guide Benefits Selling Magazine Web Seminars eNewsletters Podcasts Subscribe About Us Press Room Resource Center Reprints Benefits Selling Expo Judy Diamond Associates, Inc.

2013 Benefits Selling Expo

April 29 - May 1, 2013
at the San Diego Marriott Marquis & Marina

Benefits Selling Expo is the premier educational and networking conference for the employee benefits industry.

or Visit the Website »

© 2012 BenefitsPro. A Summit Business Media publication. All Rights Reserved. Privacy Policy

OAS_RICH('Position1'); _gaq.push(['_trackEvent', 'Delivered Topic', 'PageView', '/retirement-advisors/practice-management']);_gaq.push(['_trackEvent', 'Article Section', 'PageView', "Blogs"]);_gaq.push(['_trackEvent', 'Article Source', 'PageView', '1st Party']);_gaq.push(['_trackEvent', 'Author', 'PageView', 'Andy Stonehouse']);_gaq.push(['_trackEvent', 'Article Type', 'PageView', 'Standard']);_gaq.push(['_trackEvent', 'Topics', 'PageView', 'Retirement Advisors']);_gaq.push(['_trackEvent', 'Topics', 'PageView', 'Products']);_gaq.push(['_trackEvent', 'Topics', 'PageView', 'Strategies']);_gaq.push(['_trackEvent', 'Topics', 'PageView', 'Practice Management']); //Disqus var disqus_shortname = 'benefitspro'; (function () { var s = document.createElement('script'); s.async = true; s.type = 'text/javascript'; s.src = 'http://' + disqus_shortname + '.disqus.com/count.js'; (document.getElementsByTagName('HEAD')[0] || document.getElementsByTagName('BODY')[0]).appendChild(s); }()); //Chartbeat var _sf_async_config = { uid:13934, domain:"benefitspro.com", path: "/2012/11/15/old-school-the-401k-paper-chase" }; (function(){ function loadChartbeat() { window._sf_endpt=(new Date()).getTime(); var e = document.createElement('script'); e.setAttribute('language', 'javascript'); e.setAttribute('type', 'text/javascript'); e.setAttribute('src', (("https:" == document.location.protocol) ? "https://a248.e.akamai.net/chartbeat.download.akamai.com/102508/" : "http://static.chartbeat.com/") + "js/chartbeat.js"); document.body.appendChild(e); } var oldonload = window.onload; window.onload = (typeof window.onload != 'function') ? loadChartbeat : function() { oldonload(); loadChartbeat(); }; })(); _qoptions = { qacct: 'p-20KEFDQrK1Ra6' };

View the original article here

Majority of Women Financially Unprepared for Retirement

Posted by Unknown Sunday, January 27, 2013 0 comments

Majority of Women Financially Unprepared for Retirement (Financial Planning)

"Approximately 58 percent of single women over the age of 45 who have any kind of savings or retirement account have less than $50,000 saved, while only 22 percent have more than $100,000 saved. At the same time, these women are aware of their need to step up their savings efforts, as only 5 percent of 45-54-year-old women and 16 percent of 55-64-year-old women believe they are saving enough for their twilight years."

Important word about authorship:
BenefitsLink ® (BenefitsLink.com) provides this page for you, with a hypertext link to an item we think is interesting and valuable for companies sponsoring employee benefit plans, employees who participate in plans, and firms who provide products and services to plans. But BenefitsLink is not the author of the item to which this hypertext link will take you (unless expressly indicated there).

View the original article here

The Choice 401(k) Investors Must Make Before They Choose

Posted by Unknown Saturday, January 26, 2013 0 comments

The Choice 401(k) Investors Must Make Before They Choose (Fiduciary News)

"In the end, each investor, especially retirement investors, need to know the nature of their investment goals. Most importantly, they need to recognize the true time horizon of those goals.... [E]ither the Total Return Method or the Assigned Asset Method can be used. Each has its advantages. Each has its drawbacks. Professional providers are aware of these. Individual investors may not be."

Important word about authorship:
BenefitsLink ® (BenefitsLink.com) provides this page for you, with a hypertext link to an item we think is interesting and valuable for companies sponsoring employee benefit plans, employees who participate in plans, and firms who provide products and services to plans. But BenefitsLink is not the author of the item to which this hypertext link will take you (unless expressly indicated there).

View the original article here

Innovative Strategies to Help Maximize Social Security Benefits

Posted by Unknown Friday, January 25, 2013 0 comments

Innovative Strategies to Help Maximize Social Security Benefits (Prudential)

"No other vehicle can match the combination of inflation-fighting increases, longevity protection, investment risk elimination, and spousal coverage that Social Security can -- potentially making it one of the most valuable sources of retirement income. On average, Social Security accounts for about 40% of income in retirement. However, many retirees today do not understand how their Social Security benefits really work. Sadder still, most never focus on how to help maximize the very benefits that may help sustain them throughout retirement."

Important word about authorship:
BenefitsLink ® (BenefitsLink.com) provides this page for you, with a hypertext link to an item we think is interesting and valuable for companies sponsoring employee benefit plans, employees who participate in plans, and firms who provide products and services to plans. But BenefitsLink is not the author of the item to which this hypertext link will take you (unless expressly indicated there).

View the original article here

Twitter takes on Instagram, introduces photo filters

Posted by Unknown Thursday, January 24, 2013 0 comments

Just days after Instagram said it would no longer allow the micro-blogging site to display its photos, Twitter has responded by giving users the ability to apply colored filters to pictures they upload.

There are eight Aviary-powered filters to choose from -- Vignette, Black & White, Warm, Cool, Vintage, Cinematic, Happy, and Gritty. A grid view shows how each of the filters will affect your image, and you can tap any of the choices and then scroll left or right to view the alternatives.

Users are able to pinch to zoom in and change the focus, and crop an image. A magic wand function automatically enhances shots.

Making the announcement, Twitter’s Senior Designer Coleen Baik said: "Every day, millions of people come to Twitter to connect with the things they care about and find out what’s happening around the world. As one of the most compelling forms of self-expression, photos have long been an important part of these experiences. Starting today, you’ll be able to edit and refine your photos, right from Twitter."

The photo editing features are available in the new iPhone and Android apps which are rolling out now.

View the original article here

New McAfee Mobile Security lets you lock down apps that don't demand logins

Posted by Unknown Wednesday, January 23, 2013 0 comments

McAfee App Lock

Intel-owned security software company McAfee on Monday released a major update to its McAfee Mobile Security product, featuring a new interface and a new app privacy feature called App Lock.

Though many mobile security suites focus on protecting private information from being stolen and misused, much of the information that is available within apps is left totally unprotected from prying eyes.

When someone logs into Facebook on a public workstation or a friend's computer and they forget to log out, it is usually an invitation for other people to post embarrassing or ridiculous messages on that person's profile. If your mobile device is unprotected, someone could simply pick up your smartphone or tablet and do the same thing without even needing access to your login credentials. What's worse, some shopping apps store credit card information for one-click purchases without additional security.

With App Lock, Android users can demand additional PIN-based authentication for apps such as Facebook, LinkedIn, Gmail, and many others.

In addition to App Lock, McAfee Mobile Security still contains the previously available features such as secure browsing, device lockdown and remote wipe, remote backup and restore, locate and track, call and SMS filter, and uninstall protection.

McAfee Mobile Security costs $29.99 for a one-year subscription, and can be downloaded immediately in Google Play.

View the original article here

Disable the new Windows 8 interface for good with Ex7ForW8

Posted by Unknown Tuesday, January 22, 2013 0 comments

Microsoft might want all users of Windows 8 to use its new tiled interface, but if you really don't like it, or it's the one thing that's preventing you from switching to the new OS full time, there's a clever hack which will disable it for good -- or until you want to switch back, at least.

Ex7ForW8, or "Explorer 7 for Windows 8", is a wrapper created by a developer named Tihiy which basically allows Windows 7's explorer.exe to run on the new OS. Once installed and activated it will take users straight to the Windows 7 desktop upon boot up, and when I say "straight to" I mean it. The new UI doesn't load at all. The wrapper doesn't modify any system files or system protected registry entries, and you can switch back to the Windows 8 UI at any time.

Ex7ForW8 lets you enjoy all the benefits of the new OS -- faster boot up times, better security, SkyDrive integration and so on -- and new Explorer features, such as the ribbon interface, and enhanced file copying/moving are all still available. Only the Start screen formerly known as Metro is missing. And because the tool loads the Windows 7 shell, you'll get the Start button and Start menu back.

Of course disabling the Start screen also disables any Windows apps you might have installed, but you'd expect that, right?

I've actually been using this tool since the latest version was released in the middle of November, and so far I've experienced no problems at all. I miss the multi-monitor taskbars, but that's a small price to pay. I really like the new Windows hybrid the app creates, and the fact I can quickly switch between the Windows 7 and Windows 8 shells via the Start menu means I can still use the Windows 8 interface and access my apps whenever I need to.

The tool is very easy to install, you just run the Ex7ForW8_setup.exe file and follow the instructions. You will need to have a Windows 7 installation disc or files on hand though.

Removing the app afterwards (should you choose to) is just a matter of uninstalling it via Programs and Features.

View the original article here

Zombie Shooter: blast the undead into a bloody mess with this free arcade-style game

Posted by Unknown Monday, January 21, 2013 0 comments

The Walking Dead is now on its mid-season break, but if you’re missing the show already then you could turn to Zombie Shooter, a free game which provides all the opportunities for walker-slaughtering you’re ever likely to need.

Okay, it’s true, you won’t get quite the character development here that you do in the show (or, indeed, any at all). The game’s plot, such as it is, it rather more basic: essentially you’re just running around a secret research lab, slaughtering zombies, picking up weapons, ammo and health packs, and trying to figure out what’s going on.

And as you can see from the screen grab, the graphics are fairly basic, too. Zombie Slaughter is a straightforward top-down isometric affair, and if we discovered it was actually written 15 years ago, that wouldn’t be too much of a surprise.

Still, this simplicity also has many advantages. The program will install and deliver good frame rates almost anywhere, for instance (it runs on anything from Windows 95 upwards). There’s no need to learn some lengthy back story before you get started. And you’ll probably figure out the core controls without ever checking any documentation, as they’re mostly just what you’d expect: point with the mouse, move with the cursor keys, fire with the left mouse button, and choose a weapon with one of the number keys.

And there are plenty of supporting extras here, too. So you get multiple game modes from a quick “kill everything you can see” to a longer campaign option. And there are all kinds of bonus weapons you can purchase between levels to upgrade your armory and try to ensure your survival.

If you prefer your games to be a little more mentally challenging then the program may not keep you amused for too long. And even we began to get a little bored in some sections of the game, where essentially all you have to do is hold down the left mouse button and wait until you’ve destroyed everything in sight.

Ultimately, though, Zombie Shooter’s hassle-free nature makes it an easy game to like. There’s no manual to read, no lengthy cut scenes to watch, no complex settings to master: everything works more or less as you’d expect, and it’s the kind of game where you can just jump in for a few minutes, whenever you feel the need for a little old-style zombie annihilation.

View the original article here

SkyDrive comes to Xbox 360

Posted by Unknown Sunday, January 20, 2013 0 comments

Microsoft has announced the availability of a SkyDrive app for Xbox 360 consoles, giving users the ability to display content stored in the cloud service on any connected TV or monitor.

The Xbox 360 is designed as a content consuming device, and the SkyDrive experience on the console reflects this. According to the software giant, the app focuses on photo and video sharing, as well as playing slide shows, with no mention of productivity. It's fair to assume that Microsoft plans to keep the content editing features for newer devices running Windows Phone or Windows 8/RT.

The SkyDrive app also supports Kinect voice controls and gestures, as well as controller and remote input. Using the former, users are able to view content on the Xbox 360 simply by dictating commands. The feature is currently only available for a limited number of languages,.

The SkyDrive app for the Xbox 360 will be available to download directly from the gaming console starting from 10AM PST today.

View the original article here

DATAIR! New Features - Flexible Pricing - Module Integration

Posted by Unknown Friday, January 18, 2013 0 comments

Obama Announces Elisse Walter to Take SEC Chairmanship (Fund Industry Intelligence)

"President Obama will designate Elisse Walter chairman of the Securities and Exchange Commission next month when current Chairman Mary Schapiro steps down. The SEC announced earlier Monday that Schapiro would leave her post on Dec. 14, a move widely anticipated by the industry and markets."

Important word about authorship:
BenefitsLink ® (BenefitsLink.com) provides this page for you, with a hypertext link to an item we think is interesting and valuable for companies sponsoring employee benefit plans, employees who participate in plans, and firms who provide products and services to plans. But BenefitsLink is not the author of the item to which this hypertext link will take you (unless expressly indicated there).

View the original article here

Changing Sources of Income Among the Aged Population

Posted by Unknown Thursday, January 17, 2013 0 comments

Changing Sources of Income Among the Aged Population (Center for Retirement Research at Boston College)

"[T]he large shift over the past two decades in the composition of the income of the aged (65+), increasing the role of earned income and reducing the importance of income from their own assets ... can be attributed to delayed exit from the labor force by workers at older ages. [The authors] attribute the increase in work time to a rise in the proportion of more educated workers who choose to continue working, changes within the pension system that previously encouraged early retirement, and a decline in the availability of retiree health insurance. The increase in work time is concentrated among the highest income groups and those with the most education, suggesting that it is largely voluntary."

Important word about authorship:
BenefitsLink ® (BenefitsLink.com) provides this page for you, with a hypertext link to an item we think is interesting and valuable for companies sponsoring employee benefit plans, employees who participate in plans, and firms who provide products and services to plans. But BenefitsLink is not the author of the item to which this hypertext link will take you (unless expressly indicated there).

View the original article here

Obtain Your Ethics CE Credit!

Posted by Unknown Wednesday, January 16, 2013 0 comments

Implementing a Lifetime Income Option in a DC Plan: Lessons from United Technologies Corporation (Alliance Bernstein)

"The benefits group, treasury, investments and legal sat down over a series of meetings and came up with three simple principles that informed the entire design process: Keep it simple. Make it even lower-cost than before And keep it flexible. Not only [does the company] want people to have the opportunity to save and invest for retirement; [it wants] them to be confident that they'll have adequate income in retirement. That was a very meaningful shift in framing from the savings-and-investments framework, which is very inefficient."

Important word about authorship:
BenefitsLink ® (BenefitsLink.com) provides this page for you, with a hypertext link to an item we think is interesting and valuable for companies sponsoring employee benefit plans, employees who participate in plans, and firms who provide products and services to plans. But BenefitsLink is not the author of the item to which this hypertext link will take you (unless expressly indicated there).

View the original article here

[Guidance Overview] Notifying Participants of Changes to the Annual Fee Disclosure Report (PDF)

Posted by Unknown Tuesday, January 15, 2013 0 comments

Notifying Participants of Changes to the Annual Fee Disclosure Report (PDF) (ING)

"The plan administrator must provide a description of any change (even if it is not a material change) in the annual required disclosure of certain plan-related information to participants at least 30 days and not more than 90 days before the change becomes effective. If this timeframe cannot be met as a result of unforeseeable events or circumstances beyond the plan administrator's control, the notice of change must be given as soon as reasonably practicable."

Important word about authorship:
BenefitsLink ® (BenefitsLink.com) provides this page for you, with a hypertext link to an item we think is interesting and valuable for companies sponsoring employee benefit plans, employees who participate in plans, and firms who provide products and services to plans. But BenefitsLink is not the author of the item to which this hypertext link will take you (unless expressly indicated there).

View the original article here

Delayed Retirement Means an Aging Work Force

Posted by Unknown Monday, January 14, 2013 0 comments

Delayed Retirement Means an Aging Work Force (PLANADVISER.com)

"Although tenure is often thought of as positive, it has the potential for conflict. Some of the adverse effects of employees working longer than they or the organization had anticipated include: Depleting the next generation of workers, who may look elsewhere for opportunities if they see their prospects for advancement being put on hold. A drop in productivity if some employees continue working merely because they cannot afford to retire. A cost increase in benefit programs in tandem with health and disability plan usage, which can be expected from an aging work force."

Important word about authorship:
BenefitsLink ® (BenefitsLink.com) provides this page for you, with a hypertext link to an item we think is interesting and valuable for companies sponsoring employee benefit plans, employees who participate in plans, and firms who provide products and services to plans. But BenefitsLink is not the author of the item to which this hypertext link will take you (unless expressly indicated there).

View the original article here

Most Pre-Retirees Feel Unprepared for Retirement

Posted by Unknown Sunday, January 13, 2013 0 comments

Most Pre-Retirees Feel Unprepared for Retirement (Financial Planning)

"Twenty-five percent of the 33 million U.S. pre-retirees, surveyed, said they felt 'very prepared' for retirement, down from 30% of those surveyed in 2010. The study considered the pre-retiree population as people between the age of 55 and 70 who have not yet retired. Thirty percent of males said they were very prepared compared to 23% of females. Also, people with financial advisors seem to be in a better position with 39% of the very prepared already having advisors versus 20% who did not."

Important word about authorship:
BenefitsLink ® (BenefitsLink.com) provides this page for you, with a hypertext link to an item we think is interesting and valuable for companies sponsoring employee benefit plans, employees who participate in plans, and firms who provide products and services to plans. But BenefitsLink is not the author of the item to which this hypertext link will take you (unless expressly indicated there).

View the original article here

Apple Maps guides Australian motorists into ‘life threatening’ situation

Posted by Unknown Saturday, January 12, 2013 0 comments

Apple’s replacement for Google Maps isn’t the most reliable of mapping apps, especially outside of the United States. The first time I used it, requesting directions to Blackpool on the north-west coast of England, it sent me to the south coast, some 248 miles the wrong way. Of course, I didn’t actually make that journey, but had I been visiting from outside of the United Kingdom, and knew no better, I would have been in for a very nasty surprise if I’d followed the app’s directions. But at least I wouldn’t have been misdirected into a potentially life threatening situation, unlike some motorists in Australia.

Victoria police have been forced to issue a warning after Apple Maps routed a number of motorists off the beaten track and into the middle of a national park with no water supply and where temperatures can reach up to 46 degrees.

According to the warning: "Local Police have been called to assist distressed motorists who have become stranded within the Murray-Sunset National Park after following directions on their Apple iPhones. Tests on the mapping system by police confirm the mapping systems lists Mildura in the middle of the Murray Sunset National Park, approximately 70km away from the actual location of Mildura".

Some of the motorists were reportedly stranded for up to a day with no food or water and have "walked long distances through dangerous terrain to get phone reception".

The police say they have contacted Apple on the matter, but that anyone travelling to Mildura or other locations within Victoria "should rely on other forms of mapping until this matter is rectified".

To be fair, anyone travelling anywhere, should just rely on other forms of mapping -- it's safest all round.

View the original article here

Research In Motion introduces BlackBerry Messenger 7, features Wi-Fi calling

Posted by Unknown Friday, January 11, 2013 0 comments

BBM7

On Monday, Research In Motion unveiled the stable version of the company's messaging app for BlackBerryOS, simply titled BlackBerry Messenger 7. Among the newly introduced features, the most noteworthy addition is the ability to perform calls via Wi-Fi.

Wi-Fi calling works in parallel with existing functionality and as a result it can be used, for instance, while sending messages. To enable the feature users have to select the corresponding icon in the chat/messaging window. BlackBerry Messenger (BBM) 7 also implements an upgrade notification functionality, which is designed to inform users of available updates that can be downloaded straight from the app.

There is also BBID synchronization that links the contacts, groups and BBM profile, as well as 16 new emoticons onboard the latest version. According to RIM the app is available for BlackBerry 6 OS and higher, but there are plans to extend support to the older BlackBerry 5 OS.

BlackBerry Messenger 7 is available to download from BlackBerry App World. At the time of writing this article the latest version wasn't available on the app store, but according to RIM it should be there within 24 hours.

View the original article here

SmokeScreen: hide what you're doing on the PC with the wave of a mouse

Posted by Unknown Thursday, January 10, 2013 0 comments

There have always been programs around to hide what you’re doing on a PC, and perhaps unsurprisingly they don’t have the best of names. The assumption seems to be that they’re only ever used by people who don’t want everyone else to know they’re looking at porn, say, or playing games when they should be working. But of course the reality is a little more complicated than that.

What if you’re shopping for birthday presents and the lucky recipient-to-be comes in, say? Or maybe you don’t want a work colleague to see you’re browsing a mental health website? There are all kinds of reasons why you might want to maintain your PC privacy, and SmokeScreen is a simple free tool which promises to help.

The program offers two ways to try and hide what you’re doing at any moment. By default it will minimize all your windows. But if leaving an empty desktop looks suspicious, then you can also have it display a grab of your desktop taken at some earlier time, packed with innocent applications (your browser waiting at Google, an Explorer window somewhere else, maybe Calculator in a corner, whatever it might be). If a passer-by watches you for any length of time then there will be problems, as you can’t type or do anything on this screen (it’s just a grab), but if they just give you a passing glance then everything should be fine.

And the other decision you’ll have to make here is how you want to activate the program. You can move your mouse to the edge of the screen, for instance (left, right, top or bottom: you choose), or one of the corners. And SmokeScreen can also be launched by scrolling the mouse wheel, click the middle mouse button, or clicking both the left and right mouse buttons.

Which option is best? It all depends on how you use your PC normally, but setting all this up is at least straightforward. Launch SmokeScreen from its system tray icon, and you choose how you want to hide the program and your preferred activation method by clicking a box or two. Click OK, and as soon as you enable the program (another right-click option) it’s ready to go.

Does it work? Partly. Taking a screen grab was easy (the program can do it for you). And displaying it really was as simple as, say, moving the mouse over the left edge of our screen (far less suspicious than making some panicked Alt+Tab or Win+M keypress whenever someone comes into the room).

Resource use is minimal, too, with SmokeScreen requiring less than 7MB RAM on our test PC.

But there were also significant problems. We found the program would continually activate whenever we typed an apostrophe, for instance. Apparently you’re supposed to be able to activate it by pressing the tilde key (~), but for some odd keyboard mapping issue this became an apostrophe for us. Either way, it’s going to be extremely annoying if you’re typing a lot while SmokeScreen is enabled.

And, for some reason, once we’d activated SmokeScreen once, it refused to work again until we’d closed and restarted it (other than by typing an apostrophe).

These aren’t necessarily fatal problems. We see SmokeScreen as a “just in case” tool which you’d hope to activate only very rarely, anyway (if you’re firing it up every few minutes then people may notice the decoy desktop never changes). And if you just want to use it to hide your browsing, say, you may not be typing enough to worry about accidental activations.

SmokeScreen would be significantly improved if these issues were resolved, though, so we hope the developer will address them in future editions.

Photo: Piotr Krzeslak/Shutterstock

View the original article here

Google slashes Chromebook price to $99 for public educators

Posted by Unknown Wednesday, January 9, 2013 0 comments

school students Chromebook

Google on Monday announced it will offer the Samsung Series 5 Chromebook to educators for a special price of just $99 until December 21 through a partnership with public education nonprofit Donors Choose.

Full-time public educators can go to the DonorsChoose site, fill out a three-question questionnaire and project request for up to 30 Chromebooks, and then begin collecting donations to receive the computer hardware, management, and support. Typically, each Chromebook costs $249.

Back in October, BetaNews contributor Derrick Wlodarz examined the pros and cons of Surface, iPad, and Chromebooks in K-12 Education.

One of the main advantages to a Chromebook deployment the simplicity of management: "Just as the Surface potentially affords a school district simple management through Active Directory, Google's Chromebook takes this same notion and simplifies it a few degrees. Whereas a traditional IT department usually controls policies through Active Directory, a fleet of Chromebooks can be controlled by people with little technical background like teachers or even school execs. That's because the core management responsibilities for Chromebooks are easily manipulated within the familiar cloud-based Google Apps Control Panel," he said.

Indeed, simplicity of management is the last word in this Donors Choose campaign. Google says "You can control a whole set of Chromebooks from just your browser screen with the optional management console. Let’s say you want to set your class website as the home page when students login. You can do that. Let’s say you want to block certain websites. You can do that. Maybe you want to install GoAnimate so all your kids can make holiday videos. You can do that too. All from a web-based management console."

View the original article here

Track Santa from your Windows 8 device

Posted by Unknown Tuesday, January 8, 2013 0 comments

NORAD tracks Santa

NORAD, the North American Aerospace Defense Command, has been tracking Santa since 1955. In the old days, it was an AM radio broadcast that began on Christmas Eve and purported to track the jolly old fellow as he left the North Pole and began his flight around the world. With technology's advance, NORAD has also pushed into the future.

These days, you can keep up with Saint Nick's journey with more than just a transistor radio. There is a special website and even mobile apps for iOS and Android that allow parents and children to track Santa's flight.

For the Christmas season this year, there is also a Windows 8 app.

The real excitement of the app may not begin until December 24th, but it is more than just a radar tracker. You can view a countdown of how much time is left until the reindeer take off, watch videos and holiday greetings, and you can even "Learn about how and why NORAD tracks Santa."

The app is produced by the agency themselves and is free to download and install. It is currently in version 1.0.0.22. Of course, for all of those Windows 8 computers that will be under trees on Christmas morning it will be a bit late for this app.

Download NORAD Tracks Santa 1.0.0.22 in FileForum now!

View the original article here

Does Stock Market Performance Influence Timing of Retirement? (PDF)

Posted by Unknown Monday, January 7, 2013 0 comments

AppId is over the quota
AppId is over the quota
Sorry, I could not read the content fromt this page.Sorry, I could not read the content fromt this page.

View the original article here

[Opinion] AARP Study Says Participants Prefer Paper by (Forced) Choice

Posted by Unknown Saturday, January 5, 2013 0 comments

AARP Study Says Participants Prefer Paper by (Forced) Choice (Benefits Bryan Cave)

"Even though many plan sponsors and many in the retirement plan industry have a strong preference for electronic disclosure (which, by the way, helps participants retirement savings accumulation in the form of reduced fees), no rational person is suggesting that we make everyone get their plan communications online or via email....Of course, the more critical question is what happens to all that paper when it's delivered?"

Important word about authorship:
BenefitsLink ® (BenefitsLink.com) provides this page for you, with a hypertext link to an item we think is interesting and valuable for companies sponsoring employee benefit plans, employees who participate in plans, and firms who provide products and services to plans. But BenefitsLink is not the author of the item to which this hypertext link will take you (unless expressly indicated there).

View the original article here

Finding Your Lost Pension

Posted by Unknown Friday, January 4, 2013 0 comments

Finding Your Lost Pension (Tacoma News Tribune)

"The best resource to help you track down a lost active pension from a company that has moved or merged with another firm is the U.S. Administration on Aging Pension Counseling and Information Program. This free program encompasses seven pension-assistance programs around the country that serve workers in 30 states."

Important word about authorship:
BenefitsLink ® (BenefitsLink.com) provides this page for you, with a hypertext link to an item we think is interesting and valuable for companies sponsoring employee benefit plans, employees who participate in plans, and firms who provide products and services to plans. But BenefitsLink is not the author of the item to which this hypertext link will take you (unless expressly indicated there).

View the original article here

Financial Peace of Mind Is Now Four Times More Important Than Accumulating As Much Wealth As Possible (PDF)

Posted by Unknown Thursday, January 3, 2013 0 comments

Financial Peace of Mind Is Now Four Times More Important Than Accumulating As Much Wealth As Possible (PDF) (AIG)

"[AIG] surveyed Americans age 55 and older to better understand how ... their retirement mindsets are unfolding. Americans continue to show great resourcefulness and resilience amidst the uncertainty, focusing on more responsible retirement planning, less risky investments and delayed retirement. Financial concerns remain top of mind and few say their retirement has become more secure in the past year."

Important word about authorship:
BenefitsLink ® (BenefitsLink.com) provides this page for you, with a hypertext link to an item we think is interesting and valuable for companies sponsoring employee benefit plans, employees who participate in plans, and firms who provide products and services to plans. But BenefitsLink is not the author of the item to which this hypertext link will take you (unless expressly indicated there).

View the original article here

2012 Generational Research: Retirement Readiness

Posted by Unknown Wednesday, January 2, 2013 0 comments

2012 Generational Research: Retirement Readiness (Financial Finesse; free registration for download of full report)

"[R]esearch has documented how U.S. employees have generally emerged from the Great Recession with improvements in their day-to-day money management but with a continuing shortfall in their retirement readiness. However, the Great Recession has not left all age groups in the same place.... Those under 30 ... are doing a relatively good job managing their current cash flow but need a longer term perspective that makes planning for retirement more of a top priority. [The 30 to 44] year olds ... earn more income ... but have been hit particularly hard by the Great Recession and are now struggling to balance saving for retirement with the immediate needs of raising a family and paying a mortgage."

Important word about authorship:
BenefitsLink ® (BenefitsLink.com) provides this page for you, with a hypertext link to an item we think is interesting and valuable for companies sponsoring employee benefit plans, employees who participate in plans, and firms who provide products and services to plans. But BenefitsLink is not the author of the item to which this hypertext link will take you (unless expressly indicated there).

View the original article here

Video of the EBSA: "choose a retreat for your Small Business Solution.

Posted by Unknown Tuesday, January 1, 2013 0 comments

Sorry, I could not read the content fromt this page.Sorry, I could not read the content fromt this page.

View the original article here

Trik SEO Terbaru support Online Shop Baju Wanita - Original design by Bamz | Copyright of Info Zone.