Fantasy Football Strategies.

While the threat from hackers is low for individuals, a more serious threat to personal privacy comes from unscrupulous free fantasy games companies that operate websites for quick quids. Many free fantasy games sites require you to register before you can use its services. Often you must provide personal information, such as your name, street address, and e-mail address. Then as you browse the site, data is collected as to which pages you visited, how long you remained on each page, the links you clicked, what terms you searched, and so on. After a number of visits to the site, a personal profile emerges. The question is, what do free fantasy games site operators do with this information?

Most claim that they use it to personalize your experience on the site. For instance, if a free fantasy games site learns that you are interested in free fantasy games, the next time you visit the site, you might be presented with an article or advertisements for that and related products. But some free fantasy games websites sell this information to marketers, which means that you may find yourself receiving unwanted catalogs from garden suppliers. Our preferred retailer does not do this.

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 by: A. Raymond Randall, Jr.

Everybody wants to learn how to make money on the Internet. What about saving money for retirement and your future? If you don't do it, who will? Alan Greenspan, Chairman of the Federal Reserve Bank, recently confronted the U.S. Congress about the cost of future retirement benefits.

You may recall the 1999 Tom Hanks film, "The Green Mile". This film adaptation of Stephen King's novel provides just a couple of comparisons to current economics and Alan Greenspan. Greenspan's comments before Congress sometimes equal the length of "The Green Mile" (3 hours), but his testimony won't evoke tears unless you're a baby boomer, soon to be a Social Security beneficiary.

In "The Green Mile", Hanks plays a prison guard charged with the care of death row inmates. He treats each "death row" convict with care and Southern civility. In order to avoid stretching parallels to the movie, I will observe only that Mr. Greenspan, born in New York City (March 6, 1926; send him a card) is civil when Congressional Committees question his opinions.

"The Green Mile" ends at the hot seat for convicts. Alan Greenspan's February 25, 2004 testimony leads to an economic, political, and social hot seat: Social Security benefits. I suggest you read the full text of his testimony found at: http://www.federalreserve.gov/boarddocs/testimony/2004/20040225/

Now to "The Green Span" hot seat comments about Social Security:

• We sing Happy 62nd Birthday to the first baby boomers in 2008

• 50% of them may retire at age 62

• Everyone's gong to live longer

• Social Security costs will escalate

• Funds to pay may not meet the demand

What does this mean to you? Well, it's motivation to make that site sell while saving toward retirement. Further, every site generating cash flow, may do so for years and years, if managed wisely. This means qualifying for retirement does not force you to retire. Cash flows can continue for your life time.

However, saving for retirement still makes sense. It saves you taxes now and later. Furthermore, an aging population living longer means Social Security benefits may be reduced when you become eligible. So, start saving now by starting any one of the following methods.

• Individual Retirement Account: You may contribute up to $3,000 in 2004, $4,000 in 2005-2007, and $5,000 in 2008 and beyond. When you reach age 50, "catch-up" provisions allow you to contribute an additional $500 in 2004-2005 and $1000 in 2006 and beyond. This means your IRA contribution in 2006 may be up to $6,000.

• If your Internet web site incorporated, you may have an employer sponsored plan. The Savings Incentive Match Plan for Employees (SIMPLE plan) "SIMPLE plan contribution for 2004 amounts to $9,000. This increases incrementally to an "adjusted" $10,000 in 2006.

• A SAR/SEP and 401(k) let you contribute up to $13,000 for 2004 (the maximum in 2006 is up to $15,000) Employer sponsored plans also allow "catch up" provisions for workers over age 50. For example, an employee over age 50 may contribute a "catch up" contribution of $3,000 for 2004 (the maximum "catch up" contribution is $5,000 in 2006).

IRA accounts and employer accounts may be opened at banks and brokerage firms. Check with your tax adviser and financial consultant first.

Social Security provides for basic needs during retirement. Make sure your resources permit the lifestyle you want by saving for your retirement now.

About The Author Ray Randall is a registered investment advisor with Ethos Advisory Services, Essex, Massachusetts http://www.ethosadvisory.com. He writes a weekly newsletter for Ethos Advisory Services, and is the webmaster for Echievements . You may write to him or call (877-895-3756). rayrandall@ethosadvisory.com

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