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What is the American 401(k)? What does it do? Is it a failure?
It is nothing more than a workplace savings plan known as working Americans‡ most common way to save for retirement. If the plan allows Roth deferrals, it is the most efficient way for a worker to save in 2021. especially if married and family gross income is less than $101,000 because of the $24,000 standard deduction, the marginal rate for federal tax is only 12% at taxable income up to $77,000 (rounded). The same results exist for single workers, but at 1/2 the rates above or gross income of just short of $51,000. In a Roth 401(k), earnings and distributions are never taxed.Workers with higher incomes and itemizing expenses may still only be in the 12% federal marginal bracket so get a good CPA tax advisor of CFP to figure it all out.For most workers, the traditional way to save has been with pre-tax deferrals but in 2021. they should rethink this strategy because a married couple filing jointly doesn’t leave the 24% federal bracket until taxable income exceeds $315,000. Add back the $24,000 standard deduction and you are talking $339,000.The criticism about 401(k) plans in the past has been high fees and limited investment choices. That is mostly a myth now except for small plans, those with less than 100 participants and/or less than $3,000,000 in plan assets. It is worth noting that since July 1st, 2021. service provider fee disclosure regulations issued by the Department of Labor have put the burden squarely on plan service providers, not plan committees, to be transparent as to the services provided, whether they are reasonable for the cost, and to acknowledge if they are acting as a plan fiduciary.Fees come in multiple types, namely, record keeping and third party administration fees, custodial fees if not wrapped into the record keeping fees, investment and fiduciary advisor fees, and possibly administrative trustee fees. In the past, ERISA lawyers charged document fees too but today for most plans, there are simple prototype plans which can be adopted for a small fee and generally provided by the record keeper.The only folks calling 401(k) plans a failure are generally TV personalities talking their own book or very left leaning socialists who want the gov’t to take over the private retirement system and thereby ruin it just like Obamacare, Medicare, the VA anything else the federal gov’t tries to manage.
What restrictions are there in contributions for a tax-deferred pension plan?
In the USA, there are many restrictions, rules, and regulations related to contributions for a tax-deferred pension plan. All dollar amounts below apply from January 1, 2021. to December 31, 2017.Internal Revenue Code Section 401:All plan assets must be used for the exclusive benefit of employees and their beneficiaries. No plan assets may be diverted for other purposes.If the 401(k) plan allows employee and/or employer matching contributions, the employee and employer matching contributions provided for highly compensated employees must be proportional to those for non-highly compensated employees. (This does not usually apply to a defined benefit plan unless employees‡ contributions are put in a separate account.) A 401(k) plan can ignore this requirement if the employer makes qualifying safe-harbor contributions to the plan for qualifying employees.For purposes of a 401(k) plan, a “highly compensated employee” is considered an employee whose wages were at least $120,000 during the year (Internal Revenue Code Section 414).For purposes of a 401(k) plan, each employee’s salary is recognized up to $270,000 per year for purposes of employer contributions.On each day of the plan year, a defined benefit plan must benefit:The lesser of 50 employees of the employer, orThe greater of:40 percent of all employees of the employer, or2 employees, or1 employee if there is only 1 employee.Internal Revenue Code Section 402:An employee may make up to $18,000 of tax-deferred contributions to the plan.Internal Revenue Code Section 409:The dollar amount used to determine the maximum account balance in an employee stock ownership plan subject to a 5?year distribution period is $1,080,000.The dollar amount used to determine the lengthening of the 5?year distribution period is $215,000.Internal Revenue Code Section 410:A plan must benefit:At least 70 percent of employees who are not highly compensated employees, orThe plan must benefit a percentage of non-highly compensated employees which is at least 70 percent of the percentage of highly compensated employees benefiting under the plan, orThe plan must benefit a classification of employees that does not discriminate in favor of highly compensated employees and the average benefit percentage of the non-highly compensated employees must be at least 70 percent of the average benefit percentage of the highly compensated employees.Internal Revenue Code Section 412:A defined benefit plan must have an enrolled actuary compute the funding required for the plan and sign Schedule B of Form 5500.A money purchase pension plan must make the contributions required by the plan document in order to satisfy the minimum funding requirements.Internal Revenue Code Section 414:Employees who are at least 50 years old may make $6,000 of tax-deferred contributions to the plan, in addition to the limitation under Section 402.Internal Revenue Code Section 415:The sum of employee and employer contributions under a defined benefit plan cannot exceed $215,000 per participant per year. Except, if the participant’s employment ended before January 1, 2021. the limitation is equal to the participant's compensation limitation, as adjusted through 2021. multiplied by 1.0112.The limitation on total annual contributions (both employee and employer) under a defined contribution plan is $54,000.Internal Revenue Code Section 416:For purposes of a 401(k) plan, a “key employee” is considered an a employee who is a 5-percent owner of the employer, a 1-percent owner of the employer with over $150,000 in compensation from the employer, or an employee whose wages were at least $175,000 during the year.There are more requirements, limitations, and restrictions. See the Internal Revenue Service web site for more information.A Guide to Common Qualified Plan Requirements
How should I start preparation of mathematics for SSC-CGL 2021?
I have seen SSC Aspirants being scared from math section of SSC exam due to the vast syllabus of math.After introduction of advanced math in SSC,Non mathematics background students started thinking that SSC is hard nut to crack now. But guys,I wanna tell all of you that Perseverance in proper direction with positive mindset can make any thing a piece of cake.Nobody can demotivate you. You have the sole responsibility to unleash your inner power and to catch your dream. All of you must have heard the quotation ,” Nothing is impossible. Even Impossible says I+M+Possible”. It’s high time you started preparing for your dream job.Now coming to the main topic i.e. How to prepare for Math..Lot of students will suggest you to read NCERT books or RD sharma book from class 6 to 10 to clear your concepts. I had also got the same suggestion in the initial point of my preparation and I adopted the same. But after 1 month or so, I realised that reading and solving NCERT or RD sharma books by own is taking lot of time. Also there are lot of irrelevant questions which is of no use from the point of view of preparation of SSC. And then I put aside those books. I am not saying that NCERT Books are not good.They are awesome books but they are made for academic purpose instead of Ssc preparation purpose. They are good for building concept but you find irrelevant things in them which will just waste your precious time. It’s better to read some good books which is concise and will help you in cracking tier 2 exam.If your concept is not clear in arithmetic or geometrical portion of mathematics or you are stuck in some arithmetic or advance math questions then I will strongly suggest you to read “Ankganit (Vastunistha Prashno ke liye) by Mahesh Mishra”(New Edition).I assure you that it will help you to master Mathematics of SSC in few days. One of the main features of this book is that the concept given in the beginning of each chapter is very concise. The excercises given at the end of the chapter is awesome. You will find variety of questions there. Also explanation of the solution of each question given in the chapter is given very clearly.So I will also suggest to those aspirants whose concept is clear to please solve the excercise.The only problem with this book is that it comes in hindi only. But i will also recommend this book to english medium students. Just complete it.But if one is not comfortable in Hindi then I will suggest those aspirants to first clear their basic concepts from any Good book. After that they should solve “Kiran 5500+”. And for advance mathematics ,they can read “Lucent Advance Mathematics” and solve all the exercise given in this book.One Important thing to master mathematics is solving practice sets.Practicing sets daily is the key to success in Ssc exams. Do practise 1 set daily of mathematics. And after completing the set, do analyze it…that means to see in which questions you are finding difficulties then write those questions in a different note book with complete solution. Also see which questions are time taking. Then try to clear the concept of those questions.Practicing sets will help you to check your speed,accuracy and time. Time is the essential thing to clear any exam. Because one has to solve paper in the exam in the given time frame. If you can solve every questions of the exam but not within given time frame,then it is of no use. So do manage time in exam.For practicing set, you can buy sets of paramount or you can join their test series. But if you don’t have access to paramount sets then solve sets from platform or Kiran practice sets.Also complete all the previous advance mathematics questions asked so far. Because I have seen that ssc used to ask previous questions of advance mathematics with meager twist .Note‡ I am not saying that all the books other than what I mentioned above is insufficient to clear SSC exams. I am just saying that in my opinion the above mentioned books are good enough to clear SSC Exams with very good marks.Every book is more or less the same. But some books are written so perfectly that one can easily understand and master the subject with the help of those books.Many students always used to ask me about books. I always see that It has become their habit of asking about books. They don’t read what one suggests them. Instead they just always ask same queries about books. The message to them is that It is of no use to ask about books again and again. Instead study. That will help you to sail your boat.Suggestions just give a basic idea to prepare for any exams but hard labour and positive mindset help one to come out with flying colors. So keep this on your mind. All the very bestHow to prepare for Mathematics for SSC CGL - SSCNAUKARI.IN
What is Gopal Kavalireddi's view on Dilip Buildcon and KNR construction for a long-term investment?
For the economic growth of any country, transportation of goods are critical and it is imperative that the road network is strong and widely developed, with sufficient budgetary spending from the Govt. as well as through the PPP model.The road sector as a whole, has seen tremendous growth over the last decade and will continue to do so, with the Govt. focusing on infrastructure development with a serious boost in the form of the Bharatmala Project. Road projects present an opportunity worth Rs 7 trillion[1] to be awarded over next 4-5 years.Road sector is likely to witness incremental awards in EPC and Hybrid Annuity Model (HAM) segment with continued focus of government on ramping up the award and construction. Pace of road construction has already moved up sharply in last few years from 12 km/day in FY14 to 23 km/day in FY17. The components of Bharatmala project include:One of the beneficiaries of this program will be Dilip Buildcon.Dilip Buildcon Limited (DBL) is a 30 year old company and is one of the largest road EPC contractors in India, with a sustainable business model focusing on end-to-end execution, with projects executed across 16 states and securing higher revenue share of government projects. By completing the projects ahead of schedule, DBL has received early completion bonus in 90% of its executed projects. This has reflected in its financials in the form of high EBITDA margin and RoCE among peers.The financials are decent, with understandable hiccups in the recent quarters due to GST implementation were the taxation for works contracts was changed to 18% and now has been reduced to 12%. This should see better revenues and profitability. The investor presentation[2] is very detailed with all the info needed to assess the company’s current working and operational performance.Since its listing in Aug 2021. this stock has moved rapidly and has given investors an excellent return of 320%.Future Prospects and Valuations:The company is well poised to reap the benefits of the road sector development and the current tailwinds will help improve its order book tremendously. In the balance 4 months of this year, NHAI is planning to award 5500 kms of projects. This will help the company get steady flow of orders and keep the operating costs low.The current order book of company stands at Rs. 142,044 mn with government projects contributing to 81% of the total order book. This is good visibility for the future revenues of atleast 2 years.The debt on the books of the company is high, resulting in high interest costs, which is eating away the profitability. To reduce debt, the company has signed a term sheet with the Chhatwal Group Trust (Shrem Group) to divest its entire stake in 24 road BOT assets for a consideration of Rs. 1600 cr.After the stake sale, the company would continue to do the EPC of the 10 under-construction projects and O&M worth Rs. 4000 cr. With the sale of road assets, company will have sufficient funds to focus on the current EPC projects as well as the upcoming HAM projects.Trading at a P.E. of 26, with a H1 EPS of Rs. 17.42, the company will better its EPS in H2 2021. with better execution. A Rs. 36.6 EPS for the full year of 2017–18 is possible, resulting in an estimated price target of Rs. 951 by Mar 2018.Since the stock is already trading at Rs. 1032, it means that the valuations are pricing in for an EPS of Rs. 39.5, which is doubtful. The only way this current price can be justified is by assuming a P.E. of 28.2., which is not too far off. But, any P.E. increase above this is a stretch at this pricing.It is upto the investors to decide on the investment at the present time, or wait for the Q3 results to get better clarity on the full year EPS and thereby, the resulting price target by Mar 2018.Note: Readers might be aware that, since I provide a detailed analysis, I don’t provide answer for more than one company in the same question, as it reduces the quality of answer and also due to Quora’s answer length restrictions. Hence, I answered the question with regards to Dilip Buildcon only.Financial data source credits: Screener. in website, Dilip Buildcon Investor Presentation for H1 FY18, Ministry of Road Transport & Highways and Business Standard News article.Footnotes[1] Cabinet approves Rs7 trillion road construction plan, including Bharatmala[2]
China's GDP per capita is $10k nearing the minimum of a developed country, $12k. Will China still call itself a developing country by then to gain benefits?
As a Chinese, I do think China is still developing country for several reasons as followed.1st, GDP doesn't mean everything. Due to globalization, prices are similar in all countries like oil, corn, iPhone, etc. So, I think disposable income may be more meaningful than GDP. Per capita disposable income in China in 2021 is 25974 yuan, about $3925, and is unevenly distributed. It’s 36396 yuan, $5500, in urban and 13432 yuan, $2200, in rural. In the meanwhile, it’s 58988 yuan, about $8900, in Shanghai and 16011 yuan, about $2419, in Gansu Province. You may get the conclusion that some provinces and city in east of China do have reach the level of developed country and the provinces in northwest of China are still very poor. The numbers above is form National Bureau of Statistics of China.2nd, China's insurance system is not perfect. Because of the rapid economic development in the past forty years, ordinary people have not accumulated a lot of wealth.Relative to Europe and Japan, China’s social wealth accumulation is not enough. Most of the middle class in China may have a salary of $1500 per month, but they will return to poverty if they have some sever disease or lose their jobs. China's social insurance system still needs improvement.China is the 3rd largest country of the world and has the largest population. Per capita GDP does not represent the actual living standards all over China. The development of China depend on Chinese people’s hardworking and the stable international and domestic environment rather than robbing others via invasion and war. So please don’t worry about the rising of China which is drawn as the doomsday by western media and politicians.
How should I work on my resume given that I have one year to prepare for CAT 18 and my aim is to get into IIM ABC?
Pre-preparation1. Be absolutely sure why you want to do an MBA and does doing an MBA fit-in with your career plan.2. Don't confuse yourself with asking too many people;talk to few people then make your own judgement3. Choose an institue for coaching (if required) where you get individual care. Remember everyone cannot go to an IIM; but you can definitely go to a premier institute if you have it in you.4. Killer- instinct is a must. If your sectional scores are not improving every fortnight something is amiss.5. Keep track of your scores (both sectional and mock cats) updated for ready reference for applications.Ask your mentor where to apply depending on your scores.6. Short-list institutes for application based on your scores. Again, everyone can't go to the IIMs. Check whether the institute profile matches your career plan or not.7. Don't lose focus; preparation for CAT must be your top-most priority.8. Take all India mock-cats only as indicative; it is useless to take all - India mock cats if your scores are not improving relatively.9. In any competitive examination you compete with yourself not with the Joneses. Sita can be the best Sita; she can't be Savitri.10. Set fortnightly targets for sectional score improvement.11. Progress will be painstaking and slow; it won't be in leaps and bounds. Persevere.12. PRACTICE - PRACTICE - PRACTICE.13. Stop conjecturing on the outcome; it is an area of concern. Focus on your area of influence.For the written examination14. Read the instructions very carefully and follow them.15. Select the questions judiciously. Do not try to overdo yourself.16. Do not make wild guesses. If the paper is tough it will be so for everyone. You have to shine relatively.17. There are about 15000 contenders for top 4000 premium seats. All are equally likely to succeed.Spread your risk.18. Be a contrarian. Go away from the crowd.19. Believe in yourself and in God.20. Nervousness immobilises. Use your nervous energy productively.For the Personal Interview21. Be very thorough with your favourite academic subject (preferably two)22. Have active hobbies (no listening to music, etc. unless you are really an afficionado)23. Know yourself well. Be comfortable with yourself (its difficult)24. If possible, have work-ex 25. Fill the applications meticulously. Check,re-check, double -check.26. Take part in presentations, group discussions,interviews from now.27. Keep copies of all form sent by you.28. Choose your area of specialisation and show a path to and from it in your life29. Whatever you write in the forms and say in the interview must be logical30. Be smartly dressed, but not flamboyant31. Be polite, assertive ; not aggressive.32. Treat the interviewers like GOD33. Be logical, not emotional34. Highlight your strengths; blunt your weaknessesFor the GD/ WAT35. Read ET/ Business Standard daily36. Read Business today/ Business India regularly37. Read Outlook / India today regularly38. Read Competition Master/ Success/ Refresher regularly. Nowadays many exams have Gk sections39. Improve your general awareness - it takes time40. Watch News on TV; get things from the horses mouth.41. Have an opinion on everything - it matters42. Be clear and analytical43. Speak substance, not quantity44. Make your presence felt45. Practice your writing skills and get an opinion from an expertContributed by Moheet Gupta, XLRI 1993, CAT-mentorKolkata +919830231975Almost 100 percent conversion for iim's personal interviews for last 18 yearsI can provide you onlinea) xat 6 full length tests + 12 sectional tests for rs 500 for xat 2021 or rs 625 for xat 2019b) iift 6 full length tests + 18 sectional tests for rs. 450 for iift 2021 or rs 500 for iift 2018c) snap 6 full length tests + 5 gk tests for rs 400/- for snap 2021 or rs. 450/- for snap 2018d) nmat 12 full length tests for rs 1200/- for nmat 2021 or rs 1400 for nmat 2018e) combo of a to d for rs 1500/- for 2021 or rs. 2021 for 2018f) combo of a to d + 24 full length cats + 18 cat sectionals for rs 3100/- for 2021 or rs 3750 for 2018g) add rs 3400 to f for 31 booklets in print home delivered for cat xat iift nmat snap for 2021 or rs. 3250 for 2018h) only cat 25 full length tests + 18 sectional tests at rs 2021 online for 2021 or rs. 2250 for 2018i) combo of a to d (Online) + g (print and home delivered) rs 4800 for 2021 or rs 5500 for 2018j) MHCET 18 books home-delivered + 15 online mock tests rs 2250 for 2018k) MHCET 15 flt online rs. 650 for 2018l) cmat 11 flt online + 5 gk online Rs 350 for 2018m) cmat 11 flt + 5 gk + 17 books in print home delivered rs 2000Every year approx 8000 students are taking these testsyou will get national percentile and full analysis with solutionsMoheet Gupta 09830231975
Who will fit the best in the 4th and 5th spot for the Indian cricket team in the World Cup 2021?
We all know that there is less than a year left for the World Cup 2019…If we see the preparation of our own country, India for the World Cup, we can say that the team has a lot to think upon…So, one of things over which they have to ponder is The Middle Order of The Team or we can say The Middle Muddle-We all have seen a lot of changes in the middle order since the World Cup 2015‡ Today I will give my views about who can be the trustworthy man for India at No.4 and 5 during the World Cup…In the last match of World Cup 2021 for India we saw Ajinkya Rahane and Suresh Raina at the No.4 and 5 but today Rahane is fully out of the race, and if we talk about Raina he is there in the race but he also has very less chances to be in the World Cup playing 11…After the World Cup there have been quite many changes‡ For sometime we saw Manish Pandey in the 4th spot, then for a short span of time there was Yuvraj Singh also in the middle order in the early 2021. when England came on Tour of India, KL Rahul has also been tried in the middle order…After trying so many players in the No.4 and 5 what was the result? The result was that the middle order was still not performing to the expectations and it collapsed frequently in big chases‡ This was the reason behind testing of so many players in the Middle Order…Now, if we see that who can be there at No.4 and 5 for India in the World Cup, name of these players come to my mind (telling all the possibilities)-No.4-Yes, it true that there is going to be a tough fight for the spot of No.4 because there are three contenders in my views…People will also say that why not Manish Pandey, I think that he is not going to be there because, firstly he does not have experience of the swinging conditions in England and secondly he has not been there in the Middle Order for quite a few time including the Asia Cup where he was selected in the squad but was not there in the playing 11, so I do not see him as a perspective for the World Cup…Now, talking about my three contenders-KL RahulAs we all he is a promising young talent from Karnataka, he is just 26 years old and can be the long term investment for India at No.4 or if needed he can also play the role of an opener‡ If we see his contendership for the World Cup, the things that go in his favour are that he has already been tried and he has also given performance in England‡ Secondly he is in good form in these days and he just needs to be consistent in getting runs for his team…Ambati RayuduHe is an experienced batsman and has played around 35–40 ODI'S for India, with an average of 49.2 and strike rate of 76.83 which is good‡ Only the thing he has to work on is his fitness, we all know that he was not there in the Indian Team for the Tour of England this year because he was not able to pass the Yo-Yo Test‡ He was in good form during the Asia Cup scoring around 170–175 runs‡ He scored 600+ runs in IPL 2021 for Chennai Super Kings‡ His experience can prove fruitful for the team during World Cup..Suresh RainaSome of you will be surprised to see this name for the Indian Team for the big World Cup, but I want to tell you that he is one of the most experienced batsman of India in ODI'S playing around 220–225 ODI'S and he has more than 5500+ runs to his name with an average of 35.31 and a strike rate of 93.51 which is not bad in my views‡ We should not forget that he is also a part time bowler and has 36 wickets to his name‡ Last thing I would like to say about Suresh Raina is his excellent fielding skills, he is a brilliant fieldier and he is also very fit‡ His chances can become more strong if he performs well in the Domestic season playing some big innings…No.5-MS DhoniCan anybody take his place at No.5?No is the answer in my views‡ We have already seen that he has been promoted in the batting order and he has been at No.5 during the Asia Cup and I also think that he will be the man at No.5 for India during the World Cup‡ It’s true that he has not been in good form in the recent past, but we all know that he is a big power hitter and he can hit sixes at will‡ In such a big tournament like World Cup India surely needs an experienced man who can give advice at important moments, MSD is that man, he has an experience of around 12–13 years battling continuously in the field‡ He has also got unmatchable wicket-keeping skills with him and he is on the 3rd spot on the list of most Dismissals behind the stumps in the World‡ So he is the most reliable man for India to trust in such a big tournament like World Cup…Read this Article to know more about India's Middle Muddle-The solution to India's middle-order problemThanks for Reading…Do upvote and give your suggestions and comments…