What is secretly eating away at your 401k

The goal of investing in a 401k is to make money for your retirement, however, in a?volatile?market, losses taken can drastically impact your?nest egg. In addition to the risk of investments, if you?re using mutual funds in your 401k you could be paying?exorbitant?fees even when you lose money. CNN explains danger of hidden fees in mutual funds:

According to a recent?AARP survey, 71% of people with 401(k)s didn?t even know they were paying fees for their retirement accounts.

So how much do these fees really cost you?

The answer may shock you.?Fees can, on average, reduce your 401(k) balance by up to 30%, regardless of whether you have $1 or $1 million in your retirement account.

What are these fees, then, that are taking such a big bite out of your retirement account? There are four kinds: administrative fees, marketing fees (sometimes called 12-b1 fees), investment management fees and trading costs.

The first three types of fees are shown, as an aggregate total, in each mutual fund?s expense ratio, and are generally reported in your 401(k)?s ?summary documents? as a percentage of assets.

But the investment industry disagrees, arguing that such costs are justified because mutual fund expenses are regulated by the competition of the free market, and what consumers are paying is simply the cost of doing business.

The problem with this argument is that it?s not true.

Index funds, for example, have often outperformed actively managed mutual funds while charging a small fraction of the fees. But investing more in index funds will not come close to fixing the broken, expensive 401(k) system.

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Possible outcomes in pending health care law case

WASHINGTON (AP) ? Saving its biggest case for last, the Supreme Court is expected to announce its verdict Thursday on President Barack Obama's health care law. The outcome is likely to be a factor in the presidential campaign and help define John Roberts' legacy as chief justice. But the court's ruling almost certainly will not be the last word on America's tangled efforts to address health care woes. The problems of high medical costs, widespread waste and tens of millions of people without insurance will require Congress and the president to keep looking for answers, whether or not the Affordable Care Act passes the test of constitutionality.

A look at potential outcomes:

___

Q: What if the Supreme Court upholds the law and finds Congress was within its authority to require most people to have health insurance or pay a penalty?

A: That would settle the legal argument, but not the political battle.

The clear winners if the law is upheld and allowed to take full effect would be uninsured people in the United States, estimated at more than 50 million.

Starting in 2014, most could get coverage through a mix of private insurance and Medicaid, a safety-net program. Republican-led states that have resisted creating health insurance markets under the law would have to scramble to comply, but the U.S. would get closer to other economically advanced countries that guarantee medical care for their citizens.

Republicans would keep trying to block the law. They will try to elect likely presidential candidate Mitt Romney, backed by a GOP House and Senate, and repeal the law, although their chances of repeal would seem to be diminished by the court's endorsement.

Obama would feel the glow of vindication for his hard-fought health overhaul, but it might not last long even if he's re-elected.

The nation still faces huge problems with health care costs, requiring major changes to Medicare that neither party has explained squarely to voters. Some backers of Obama's law acknowledge it was only a first installment: Get most people covered, then deal with the harder problem of costs.

___

Q: On the other hand, what if the court strikes down the entire law?

A: Many people would applaud, polls suggest.

Taking down the law would kill a costly new federal entitlement before it has a chance to take root and develop a clamoring constituency, but that still would leave the problems of high costs, waste and millions uninsured.

Some Republicans in Congress already are talking about passing anew the more popular pieces of the health law.

But the major GOP alternatives to Obama's law would not cover nearly as many uninsured, and it's unclear how much of a dent they would make in costs. Some liberals say Medicare-for-all, or government-run health insurance, will emerge as the only viable answer if Obama's public-private approach fails.

People with health insurance could lose some ground as well. Employers and insurance companies would have no obligation to keep providing popular new benefits such as preventive care with no copayments and coverage for young adults until age 26 on a parent's plan. Medicare recipients with high prescription drug costs could lose discounts averaging about $600.

___

Q: What happens if the court strikes down the individual insurance requirement, but leaves the rest of the Affordable Care Act in place?

A: Individuals would have no obligation to carry insurance, but insurers would remain bound by the law to accept applicants regardless of medical condition and limit what they charge their oldest and sickest customers.

Studies suggest premiums in the individual health insurance market would jump by 10 percent to 30 percent.

Experts debate whether or not that would trigger the collapse of the market for individuals and small businesses, or just make coverage even harder to afford than it is now. In any event, there would be risks to the health care system. Fewer people would sign up for coverage.

The insurance mandate was primarily a means to an end, a way to create a big pool of customers and allow premiums to remain affordable. Other forms of arm-twisting could be found, including limited enrollment periods and penalties for late sign-up, but such approaches probably would require congressional cooperation.

Unless there's a political deal to fix it, the complicated legislation would get more difficult to carry out. Congressional Republicans say they will keep pushing for repeal.

Without the mandate, millions of uninsured low-income people still would get coverage through the law's Medicaid expansion. The problem would be the 10 million to 15 million middle-class people expected to gain private insurance under the law. They would be eligible for federal subsidies, but premiums would get more expensive.

Taxes, Medicare cuts and penalties on employers not offering coverage would stay in place.

___

Q: What if the court strikes down the mandate and also invalidates the parts of the law that require insurance companies to cover people regardless of medical problems and that limit what they can charge older people?

A: Many fewer people would get covered, but the health insurance industry would avoid a dire financial hit.

Insurers could continue screening out people with a history of medical problems ? diabetes patients or cancer survivors, for example.

That would prevent a sudden jump in premiums. But it would leave consumers with no assurance that they can get health insurance when they need it, which is a major problem that the law was intended to fix.

Obama administration lawyers say the insurance requirement goes hand in hand with the coverage guarantee and cap on premiums, and they have asked the court to get rid of both if it finds the mandate to be unconstitutional.

One scenario sends shivers through the health care industry: The Supreme Court strikes down the mandate only, and delegates other courts to determine what else stays or goes.

___

Q: What happens if the court throws out only the expansion of the Medicaid program?

A: That would limit the law's impact severely because roughly half of the more than 30 million people expected to gain insurance under the law would get it through the expansion of Medicaid, the federal-state health insurance program for low-income people.

But a potentially sizable number of those low-income people still might be eligible for government-subsidized private insurance under other provisions. Private coverage is more expensive to subsidize than Medicaid.

States suing to overturn the federal law argue that the Medicaid expansion comes with so many strings attached it amounts to an unconstitutional power grab by Washington. The administration says the federal government will pay virtually all the cost and says the expansion is no different from ones that states have accepted in the past.

___

Q: What happens if the court decides that the constitutional challenge is premature?

A: The wild card, and least conclusive outcome in the case, probably also is the most unlikely, based on what justices said during oral arguments.

No justice seemed inclined to take this path, which involves the court's consideration of a technical issue.

The federal appeals court in Richmond, Va., held that the challenge to the insurance requirement has to wait until people start paying the penalty for not purchasing insurance. The appeals court said it was bound by the federal Anti-Injunction Act, which says federal courts may not hear challenges to taxes, or anything that looks like a tax, until after the taxes are paid.

So if the justices have trouble coming together on any of the other options they could simply punt.

The administration says it doesn't want this result. Yet such a decision would allow it to continue putting the law in place, postponing any challenge until more of the benefits are being received. On the other hand, it might give Republicans more ammunition to press for repeal in the meantime.

___

Online:

Supreme Court: http://tinyurl.com/3zukoc4

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The states cutting the most to school and cities

By Michael B. Sauter, Ashley C. Allen, Alexander E.M. Hess and Lisa A. Nelson, 24/7 Wall

??Funding from local governments? two biggest sources -- state aid and property taxes -- fell?for the first time since 1980, according to a report released this month by the Pew American Cities Project.?The decrease in funding from these two sources has forced many local areas to cut expenses significantly. Relying on the Pew report, 24/7 Wall St. identified eight states slashing local funding to cities, towns, counties and school districts.

24/7 Wall St.?s independent analysis of data from the Center on Budget and Policy Priorities and the U.S. Census Bureau indicates states that cut funding the most had budgets that were particularly hard hit during this period. Some suffered budget shortfalls that forced them to cut spending. Others experienced drops in tax revenue that prompted the same response.

Of the eight states with the highest cuts in local funding, four experienced among the steepest declines in tax revenue. Wyoming, which had the worst decline in tax revenue, fell a whopping 21.9 percent during the period.

Budget shortfalls were among the worst in many of these states. Arizona, California and Nevada, among the eight states cutting local budgets, had the first, second and third highest budget shortfalls as a percentage of their general fund. Arizona faced a 65 percent shortfall in 2010.

24/7 Wall St.: 10 states that cannot pay their bills

These budget shortfalls, according to Robert Zahradnik, research director for the Pew American Cities Project, forced states to make deep budget cuts, hitting local governments -- and their employees -- particularly hard. According to the report, the number of employees on local government payrolls fell in 45 states between 2008 and 2011.

In several of the states with the largest cuts to local governments, these declines were the most pronounced. California, Arizona and Nevada were among the 10 states with the largest drops in government employees per person. In Nevada, the number of government employees fell by 15.4 percent, the most in the country.

While police and fire departments and other areas of local budgets were hit hard as well, no area suffered more than school districts. Zahradnik?explained, ?about half of the reduction of?the local government jobs were in the education sector, and that?s not entirely surprising because that?s where the staff and the money are for the local government.? This is a notable departure from standard practice during a downturn in the economy. Usually, Zahradnik noted, local governments will leave education off the table because it is something the public wants to protect. In the great recession, however, there simply were no other options.

24/7 Wall St.: 8 things to do if you haven't planned for retirement

24/7 Wall St. identified the eight states with a 5 percent or greater decrease in state aid to cities, towns, counties, and school districts?between 2009 and 2010 based on state funding to regional governments and government employee data from the Pew American Cities Project report, ?The Local Squeeze: Falling Revenues and Growing Demand for Services Challenge Cities, Counties, and School Districts.? The report relies on the latest available Census Bureau information on state budgets. It also calculated the change in government workers between December 2008 and December 2011 using Bureau of Labor Statistics data on government employee figures, as well as population estimates, also from the Census Bureau.?Separately, 24/7 Wall St. obtained state budget shortfall data from the Center for Budget Policies and Priorities, as well as changes in tax revenue between 2009 and 2010 from the Census Bureau.

These are the eight states slashing local funding the most.

1) New Mexico

• ?Percent decline in local funding:?10.4 percent
• ?Actual decline local funding:?$498 million (9th largest)
• ?State budget shortfall (2010):?18.2 percent (11th smallest)
• ?Percent change in government?workers per capita:?-5.4 percent (16th largest decline)

Out of all states, New Mexico cut funding to its localities the most, reducing spending by more that 10 percent between 2009 and 2010. According to the Center on Budget and Policy Priorities, additional state cuts also resulted in fewer funds for higher education, the state workforce and services for the elderly and the disabled. The?Santa Fe New Mexican?writes that the Santa Fe School District endured the worst of its fiscal cuts in the 2009-2010 school year, when they were underfunded by about $11 million. After three consecutive years of deep budget cuts, New Mexico is now projecting a budget surplus of $250 million in 2012. NPR reports state leaders are debating whether to restore some services.

2) Wyoming

• ?Percent decline in local funding:?9.5 percent
• ?Actual decline local funding:?$185 million (19th largest)
• ?State budget shortfall (2010):?1.8 percent (the smallest)
• ?Percent change in government?workers per capita:?+2.5 percent (2nd largest increase)

Between 2009 and 2010, Wyoming?s local governments? revenue suffered from what Pew calls a ?one-two punch?: shrinking in both state aid and property taxes. According to Census State Government Finance data, state aid fell by $185 million, while tax revenues declined by 21.9 percent -- the highest proportional decline in the country. Belt-tightening measures were necessary for the state to avoid layoffs of government officials. According to the?Billings Gazette,?officials at the Natrona?County Detention Center were told that if they did not comply with budget cuts as high as 27 percent, they would be forced to lay off almost a third of their staff.

24/7 Wall St.: America's richest school districts

3) Virginia

• ?Percent decline in local funding:?8.5 percent
• ?Actual decline local funding:?$1 billion (4th largest)?
• ?State budget shortfall (2010):?24.1 percent (20th largest)
• ?Percent change in government workers per capita:?-4.7 percent (tied at 22nd largest decline)

In February 2010, Virginia Governor Bob McDonnell proposed a total of $2.3 billion in cuts in order to?balance the state budget without any increase in taxes. As a result of these cuts, the state of Virginia reduced transfers to its localities by more than $1 billion. The city of?Roanoke, which was forced?to raise taxes after the state?s budget was passed, responded to these cuts with particular frustration. Local officials in Roanoke denounced the state initiatives as indirect taxation, because they required municipalities to raise taxes to cover those funding cuts.

4) Minnesota

• ?Percent decline in local funding:?8.2 percent
• ?Actual decline local funding:?$928 million (5th largest)
• ?State budget shortfall (2010):?22.7 percent (21st smallest)
• ?Percent change in government?workers per capita:?-3.8 percent (24th smallest decline)

According to the Minnesota Budget Project, the inability of?the state to pay down its deficit in the 2010-2011 biennium?was caused?by a heavy reliance on one-time measures that failed to correct or reduce?long-run deficits. In 2011, the League of Minnesota Cities sued the state?s legislature and governor in order to continue receiving aid after a government shutdown that July.?The cities eventually agreed to accept a $138 million dollar cut in the funds to be received -- a reduction of about 19 percent.

Read the rest of States Slashing Local Funding at 24/7 Wall St.'s site

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AAA Mich.: Gas prices down 21 cents in past week

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Samsung pegs LTE Galaxy S III for South Korea in July, quad-core quite possibly intact

Remember that dream version of the Galaxy S III that melded the Exynos 4 Quad, LTE-based 4G and 2GB of RAM all in one ultimate device? It now looks much closer to reality. Just as the 3G version is landing on the country's shores through SK Telecom, Samsung is sending word that the Korean LTE version is due in early July -- and Chosun claims it should have the best of all worlds in terms of performance. There should even be DMB TV tuning and a 500-title Video Hub for local movie lovers. We're anxious about just what that combination could do to battery life and the price, neither of which were mentioned up front. There may be good reasons why the US versions run on the dual-core Snapdragon S4, after all. Still, if the Korean LTE version doesn't have to make any sacrifices and is just a few weeks away from stores, it'll be hard not to turn a deep shade of green watching our friends in Seoul get what could easily be the better deal.

Samsung pegs LTE Galaxy S III for South Korea in July, quad-core quite possibly intact originally appeared on Engadget on Mon, 25 Jun 2012 00:49:00 EDT. Please see our terms for use of feeds.

Permalink   |  Samsung Tomorrow (translated), Chosun (translated)  | Email this | Comments

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EA Sports NHL 13 Preview ? Hockey World Blog

EA Sports

EA Sports dominates the video game hockey world, bringing the action from the ice to the screen?sorta.

Gamers of EA Sports NHL 12 know the feeling when I bring up statement, ?stupid AI.? Of course, other language could be used. Many of times gamers have lost overtime games, or any game for that matter, because the AI defense doesn?t pressure the forward or that the goalie allows the same curve shot goal in over and over. Not sure who has been chirping in EA Sports ears, but they have heard the complaints. This year?s game looks to bring new features that will pack a punch.

EA Sports Hockey IQ: forget the old AI, this year you will need to play hockey the way it is meant to be played. The focus is on real-world hockey systems and strategies. Goalies anticipate plays to avoid easy one-timers, defenseman pick up the empty man, and teams now can play an offensive and defensive system. See the video here.

True Performance Skating:?NHL 12 could see a defenseman go as fast as the forwards, creating an unrealistic athleticism between the two players. Further, you could cut on a dime without losing the puck. Not anymore. In the NHL 13, those who make the first step gets the advantage. Also, cuts are more physics base, making you the player, having to balance speed and control. Check the video here.

Other features that have yet to be elaborated on are improved, more athletic goalies; improved GM control that allows players to?manage, play, or coach with and against friends in their own 30 team human controlled league as well as a mobile companion application; improved matchmaking in the EASHL; and more.

With all the great features, there are sure to still be some bugs that glitchers (QC) will surely find. Still, with improved goalies to better anticipate one-timers, defense that actually read the play accordingly, momentum that is more realistic to the game and now having the ability to play within a set system, the game should be that much more worth purchasing. I can see it now, a recreation of the Philadelphia Flyers out waiting the Tampa Bay Lightning?s 1-3-1 trap. Well, hopefully not, but at least teams can now implement a dump and chase strategy that may actually work.

This entry was posted on Sunday, June 24th, 2012 and is filed under News. You can follow any responses to this entry through RSS 2.0. You can leave a response, or trackback from your own site.

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Twisted light could let you download 70 DVDs per second

An international team of researchers has developed a method of manipulating beams of to transmit information at astonishing speeds.

By InnovationNewsDaily Staff,?InnovationNewsDaily / June 25, 2012

Twisted light beams have opened the door for wireless communication 85,000 times faster than broadband Internet speeds. The breakthrough could allow NASA missions or military space satellites to exchange data at ultrahigh speeds.

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Lab tests have shown how twisted laser beams can?transmit data?at speeds up to 2.56 terabits per second ? roughly the equivalent of beaming 70 DVDs worth of data in a single second through free space. Such speed easily put broadband Internet's 30 megabits per second to shame.

"We didn't invent the twisting of light, but we took the concept and ramped it up to a terabit-per-second," said Alan Willner, electrical engineering professor at the University of Southern California in Los Angeles.

The international team hailing from the U.S., China, Pakistan and Israel used beam-twisting "phase holograms" that are able to twist light beams into a helical shape similar to that of DNA. Each beam's individual twist can effectively create the equivalent of a new data stream channel ? similar to a radio having separate channels ? without the need for more bandwidth.

The lab test beamed the data across open space rather than through fiber-optic cables, so that researchers could simulate space communication between satellites. Such testing had funding from the U.S. military's Defense Advance Research Projects Agency (DARPA) under its "Information in a Photon" program. [Secret Codes Ready to Take Quantum Leap in Space]

The twisted light concept remains limited to deep space missions or near-Earth satellite communication because of the Earth's atmospheric interference, but the technology of adaptive optics can help offset such interference to some degree. Such free-space beaming could also work over short distances on Earth.

But the concept could someday also boost data speeds over fiber-optic cables ? Boston University researchers have already tested the method in a fiber ring stretching 0.6 miles (1 kilometer).

Jian Wang, a professor at Huazhong University of Science and Technology in China, was lead author on the new research paper detailed in the June 24 issue of the journal?Nature Photonics.

Follow InnovationNewsDaily on Twitter @News_Innovation, or on?Facebook.

Copyright 2012?InnovationNewsDaily, a TechMediaNetwork company. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

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