3. Whenever you take a job, always ask about their pension plan. Find out how long until you are eligible, vesting requirements, will employer contribute to and/or match your funds and if so, at what percentage rate?

4. Beware of taking Social Security early. Currently, retirement age for full benefits is 65, and earliest age at which one is eligible for benefits is 62. If you take your retirement benefits early, result is reduced benefits by as much as 30 percent for as long as you live. The eligibility age for full Social Security benefits has been revised from 65 to 67 years of age, to be phased in by year 2022.

Here are a few resources on Women and Social Security. Some sites represent different viewpoints. It is good to be aware of different opinions and to realize that more you can save for your own retirement, better off you will be regardless of what happens with Social Security System.

Interesting Links:

The Social Security Administration: To read about available programs and to order a statement of your estimated future benefits, call (800) 772-1213 or check out their web site at http://www.ssa.gov

Take a Social Security Quiz: http://www.women4socialsecurity.org/quiz.htm

Women's Social Security Issues: http://www.womensissues.about.com/newsissues/womensissues/library/weekly/aa0 42000a.htm

Social Security Privatization Article: http://www.socialsecurity.org/women.html

More Social Security Issues: http://www.cpr4womenandfamilies.org/ss2000.html

INCREASES CHANCES OF GOOD SEARCH ENGINE POSITIONING Robin Nobles, of Academy of Web Specialists (www.academywebspecialists.com), recently wrote an article discussing doorway pages. In it Robin made following comment, 'Since every page is essentially a doorway into your site anyway, concentrate on building content. Now you're giving engines just what they want to see these days: content'.

Unfortunately, many Web designers and do-it-yourselfers are not aware of importance of copy in overall workings of search engines. Without solid content it is almost impossible to get positioned well by search engines. The copy on site must be a delicate balance of repeated keywords and promotional information in order to make sense to reader and meet engine criteria. The more times your keywords are presented within copy, greater your chance to receive a position in coveted Top 20. However, overload your copy with keywords and key phrases and you'll find yourself labeled as a spammer and be banned from engine - permanently!

There are also other factors involved with copy and engine position. The site title and site description must be just as delicately created as body copy in order to obtain high rankings.

Considering these three facts brings a whole new light to importance of excellent, well created Web site copy. Before you decide on colors or graphics or photos or design, stop and give due thought to copy first. It will pay off in long run!