Are Baby Boomers Saving Enough for Retirement?

The Baby Boomers are the largest generation ever to reach retirement age. The first Boomer turns 62 in January 2008 making this an issue on the financial forefront. In this study, based on survey data from The Ameriprise Financial Money Across GenerationsSM study, I examine financial preparedness. I examine the degree of financial preparedness by various demographic characteristics and conduct a more complex multivariate analysis to determine which variables have significant effects on preparedness. The results show that education level and gender do not play a significant role in the financial preparedness of an individual. The findings also show that although having a financial advisor does not relate to financial preparedness, having a financial plan is important. While the research does not solve the problem of Boomers’ lack of adequate financial retirement planning, it gives insight into how to improve the rate of preparedness in the future

Aromaterapi : Penuntun praktis untuk pijat minyak asiri aroma

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1863-01-29 Reverend William Balkam and Judge Redington request promotion of Captain William H. Waldron

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Assessing your board's performance A DIY guide to board self-evaluation

Questionnaire in pocket inside back coverSIGLEAvailable from British Library Document Supply Centre- DSC:q94/21279 / BLDSC - British Library Document Supply CentreGBUnited Kingdo

Space-time wiring specificity supports direction selectivity in the retina

How does the mammalian retina detect motion? This classic problem in visual neuroscience has remained unsolved for 50 years. In search of clues, here we reconstruct Off-type starburst amacrine cells (SACs) and bipolar cells (BCs) in serial electron microscopic images with help from EyeWire, an online community of 'citizen neuroscientists'. On the basis of quantitative analyses of contact area and branch depth in the retina, we find evidence that one BC type prefers to wire with a SAC dendrite near the SAC soma, whereas another BC type prefers to wire far from the soma. The near type is known to lag the far type in time of visual response. A mathematical model shows how such 'space-time wiring specificity' could endow SAC dendrites with receptive fields that are oriented in space-time and therefore respond selectively to stimuli that move in the outward direction from the som