Making every penny count...

Written by Lawrence Groves

Making every penny count…. By Lawrence Groves- July 2005

More and more workers are leaving their jobs and taking their 401 k retirement plan funds with them. While some are rolling their funds over into IRAs or other qualified plans; many are taking their distributions in cash. Once an employee has leftrepparttar job, any payments of earned vacation, sick or other leave made after leavingrepparttar 149331 job were not considered for inclusion in deferrals to Solo 401k, 401(k), or 403(b) plans. These plans’ definition of compensation excluded any post employment earnings asrepparttar 149332 IRS excluded it fromrepparttar 149333 definition. As far as these plans’ were concerned, it’s as ifrepparttar 149334 money was never earned.

Sincerepparttar 149335 post employment earnings were not included in 401 k or 403 b compensation, these earnings were not a factor in any non discrimination or top heavy testing, as well as not being available for profit sharing or matching contributions.

Depending uponrepparttar 149336 employers’ policy on vacation, sick or other leave accumulation, this exclusion could be a substantial amount. As an example, suppose you are earning $50,000 when you leave your company. You’ve been working hard, haven’t needed a sick day in 3 years and haven’t taken a vacation in two years. You have accumulated four weeks of vacation and twelve sick days. The vacation and sick leave represent $6400 in additional income. Had you had been contributing 10% to your plan; $640 extra would have been deposited into your account. That $640 at 7% for 20 years is $2,476.60 for a 400% return. But that 400% return has been left onrepparttar 149337 table up until now.

10 Reasons to Adopt Data Visualization

Written by Joe Miller

1. Bar Charts

There is more to bar charts than meetsrepparttar eye with data visualization. Bar charts is just one example of many visual tools which can be used to convey information inrepparttar 149330 most effective way. Bar charts, bar graphs, pie charts, or other charts and graphs are one ofrepparttar 149331 most common methods of displaying information of various kinds. Everyone from children to adults use them in school, study, and business. Data visualization works with bar charts to create informational displays to reach virtually any kind of audience.

2. Interactive Map

In addition to bar charts, other informational tools become interactive with data visualization. An interactive map allows information to be displayed on various levels by clicking onrepparttar 149332 part ofrepparttar 149333 map about which one may want more information. This is called “drilling down.” The interactive map is a method of data visualization used by many business, government, and community programs. Many airlines proved an interactive map ofrepparttar 149334 plane interior so that travelers can choose their own seating. Many governments or communities create interactive maps of their countries, states, and cities. To learn more about a specific area, all on has to do is click on it. Information interacts with a user’s needs.

3. Reporting Tool

This article has already covered examples of how data visualization conveys information to various types of users for travel or education, but data visualization can also be used as a reporting tool. Imagine making a presentation for school or business come alive with an interactive map or bar charts. Information is presented in a helpful and meaningful way, often simplifying complex levels of information to become digestible to those to whomrepparttar 149335 presentation is given.

4. Convert HTML to PDF

A presentation is one thing, a handout or file copy is another. By far, one ofrepparttar 149336 biggest challenges with data visualization inrepparttar 149337 past has been printing HTML information without getting it cut off on one ofrepparttar 149338 margins. Inrepparttar 149339 past HTML format did not automatically format itself for computer printout. Data visualization software can create PDF images of HTML displays for others to follow duringrepparttar 149340 presentation or to file after.

5. Data Mapping

Research, geographical data, and other information can be effectively conveyed using data mapping. Data visualization provides a method for mapping data in a simple display, assistingrepparttar 149341 presenter in his or her ability to make important data understandable.

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