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The main way that Americans save for their future is through 401k retirement plans. This gives them the opportunity to maintain a decent standard of living even when they are no longer bringing money in from working. But with the benefits involved in 401k savings, there are also restrictions on what can be done with the money that is put into those accounts. This is to ensure that the money put into a 401k is done so for retirement purposes only.

The standard withdrawal from a 401k retirement plan occurs when an individual has reached the age of 59 and a half or over. Once this milestone has been reached, the government will not impose an early withdrawal penalty of ten percent on whatever you take out. The 401k accounts are there to provide Americans with money when they retire, and the tax breaks that are involved are only available for those who use the account for retirement purposes. If money is withdrawn earlier, then there will be penalties.

A 401k retirement plan is not really there for any reason other than as a source of funds for when you retire. However, in the event of a bad financial situation where you have a real and viable need for the money in your 401k account, you may be able to make a request for a hardship withdrawal. If approved, this will allow you to take money out of your account before the age of fifty-nine and a half and not get hit with the ten percent penalty. Yet the granting of a hardship withdrawal does take time and is not guaranteed.

There are a few other withdrawals that can be made from your 401k investment account before you actually retire that will not necessarily incur penalties. Most of these situations are special exceptions, such as when you die and the money from your 401k is distributed to your beneficiaries or your estate; when you have medical expenses that are more than 7.5 percent of your gross income; or when distributions are made to the IRS to pay for any levy that may be on the plan.

There is no point in saving a lot of money in your 401k retirement plan and then losing some of the profit you have made by making an early withdrawal. The plan is there for retirement purposes, not for any other reason. In the event that you have to have access to funds to prevent a worse financial situation, talk to a financial advisor to see what options may be available to you to avoid penalty fees.

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We’ve seen a combination of economic theories come together to try digging out of this economic recession. So far, the government has spent money on propping up our financial institutions that were “too big to fail,” invested in infrastructure and energy, reduced interest rates, cut taxes and put money back into consumers’ pockets to give the economy a jolt. We turn now to lessons in economics to learn what we can do to prevent further collapse and get back on-track and restore our status as a global economics super power.

Anyone who studies basic economics saw the current recession coming for several years now, although it was hard to predict just how hard and how fast we’d fall. Mere months before the bottom fell out, causing enormous financial institutions and mortgage giants Fannie Mae and Freddie Mac to collapse, Treasury Secretary Henry Paulson was quoted as saying, “the fundamentals of the economy are sound.” In Economics 101, students learn the signs of a recession, which are job losses, exports support manufacturing, a drop in housing prices, a decline in profits, limited impact of short-term stimulus dollars, rising inventories, artificially low interest rates, lack of buyer confidence and lack of investor confidence. The American economy had all the ingredients for the perfect disaster.

Microeconomics experts have been busy examining how individual households and businesses make decisions. When consumer spending goes down, companies first cut jobs and sometimes they collapse. This, in turn, causes more consumers to stop spending because they’ve lost their jobs, which may affect other unrelated businesses. In the current economic recession, massive-scale job losses began in February 2008, when 63,000 jobs were shed. By the following September, another 156,000 jobs were lost, which was followed by an astounding 533,000 job cuts in November, which was the largest single-month job loss since the Great Depression. From December of 2007 to March 2009, there have been 5.1 million job losses. Over this same period, investor and consumer confidence has declined further, thus making it more difficult to rebound.

There are different economics books and schools of thought regarding how to dig out of an economic recession. Mainstream followers of basic economics say we must simply create more consumer demand and stimulate spending again, which has been the policy carried by the Bush and Obama administrations so far. Monetary experts favor decreasing interest rates, discounting federal bonds and opening up loan access to more people and small businesses. Keynesian economists, on the other hand, prefer to raise interest rates, tighten overall government spending but increase investments in infrastructure, while also encouraging businesses to decrease wages (faster than the prices are falling). One could argue that the current stimulus packages have also made use of these theories. Supply-side economists may advocate tax cuts to promote business investments, while laissez-faire minded economists say the situation will work itself out naturally, without government interference.

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In 2006, there were 320,000 available investment advisor career opportunities in the U.S., according to the Bureau of Labor Statistics. More than half of these jobs were in securities, commodities and financial investments. Additionally, 1 in 5 people worked at commercial banks, credit unions and savings institutions; and 1 in 6 were self-employed independent financial advisors. Although these jobs can be found anywhere in the country, 1 in 10 jobs were based in New York City, on or near Wall Street. Before getting their jobs, most obtained their bachelor’s degree in business, economics, finance or accounting and interned first.

Here is an idea of a typical day for investment advisors. They will begin work around 8:30 am, which entails spending some time checking voicemail, emails and returning phone calls. Online, they will review closed loan and mortgage rates and consider a few possible solicitations. At 9:30, they’ll be on their second cup of coffee as the first client steps in. The customer’s portfolio will be reviewed and the client will be given stock information, financial guidance and loan repayment advice. An hour later, they’ll enter information into the customer contact system. Lunch is at 12:30 and at 1:30 there is a meeting with another customer who is looking at maximizing retirement contributions. At 2:15, they’ll set up more appointments from the marketing department’s lead list and follow up on mortgages. At 3:45, another client wants to do something with the hundreds of thousands sitting in his checking account. At 4:30, a meeting with management to discuss the day’s transactions and prepare for tomorrow’s customers. It’s all in a day’s work for a financial advisor.

There are many types of investment advisor niches. Some are investment banker sales agents who find businesses wishing to expand and help underwrite them. They sell advisory services to help companies issue stocks or bonds and also sell securities to other investors. It’s a big step for companies to first invest in the public arena with an Initial Public Offering, but this is what helps the business world go round. Another key service from this group is assistance with mergers and acquisitions. The advisor helps find buyers and executes the agreement.

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When it comes to the major proponents of how to mind map, there’s probably nobody more active or better known in making this type of thinking popular and prominent than the author and educational consultant, Tony Buzan. It’s not that he invented this technique, though he claims that he created its modern version. Making a visual map of the concepts and ideas contained in an argument or an explanation of information appears to have been used as far back as the third century of the Common Era. But there’s no doubt that Tony Buzan was the driving force in bringing the technique into use in the twentieth century.

Buzan stands on the shoulders of several others who developed earlier precursors of mind map methods. Allan M. Collins and M. Ross Quillian in particular completed research on “semantic networks,” exploring how learning, creativity and graphical thinking were related. But Buzan also credits the semantic theories of Alfred Korzybski as his inspiration for understanding how to create a mind map. These theories were given life by science fiction novelists such as Robert Heinlein and A.E. van Vogt, but it was Buzan who put them into popular form and made them accessible to the general public.

For Tony Buzan mind maps are much more aligned with the way people naturally scan pages of text. Rather than reading left-to-right, top-to-bottom, as Western schools teach, people absorb the contents of pages in a more visual, non-linear way, according to Buzan. Thus, when they learn how to mind map, they are relating to material with their right brain. And when they do this, they may discover relationships between ideas that they had never recognized before.

Learning how to mind map can be accomplished in many ways, but Buzan aims to help people with the mind mapping application, “iMindMap,” which he released in 2006. He works constantly to promote these techniques, through all of his books and his own website, “Buzan World.” Although he has founded so many organizations that work on people’s memory and knowledge skills in other ways, he is likely always to be known as the most vocal voice of the twentieth century in promoting mind map techniques.

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