ACNE ARTICLES

Do Not Default to a Default Mutual Fund

A default investment fund is what you get when you can't make up your mind what to invest in as in a 401 k plan.  The most popular default fund today is the target retirement date fund promoted as a fund you can ignore default to since its portfolio is adjusted automatically as you get closer to retirement.  But ignoring it through market cycles can cost you. You may own a target retirement fund if you’re in a 401 k plan and you signed up but didn’t pick a fund to invest in or you were automatically enrolled. This kind of fund is also popular with beginner investors because it is promoted as a “one decision” fund – it adjusts its investments to become more conservative as you grow older and closer to retirement.  The theory you don’t have to do anything is great.  But the theory is flawed.If you’re 25 or younger your target fund will have a date like 2050.  At this distance from retirement the fund will be predominantly invested in stocks so an investor needs to understand market cycles or trends to make the most of this investment.  You face two problems and an opportunity.The first...
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A Look at How hi-def and standard TV Sets Compare

Considering adding HDTV viewing to your cable or satellite plan.  Read on for a look at how hi def compares to standard digital. Normal 0 false false false EN US X NONE X NONE * Style Definitions * table.MsoNormalTable {mso style name Table Normal mso tstyle rowband size 0 mso tstyle colband size 0 mso style noshow yes mso style priority 99 mso style qformat yes mso style parent mso padding alt 0in 5.4pt 0in 5.4pt mso para margin top 0in mso para margin right 0in mso para margin bottom 10.0pt mso para margin left 0in line height 115% mso pagination widow orphan font size 11.0pt font family Calibri sans serif mso ascii font family Calibri mso ascii theme font minor latin mso fareast font family Times New Roman mso fareast theme font minor fareast mso hansi font family Calibri mso hansi theme font minor latin }It used to be that analog frequency fueled TV service.  Eventually digital signal entered the mix and the two mediums existed in concert.  Analog signal has become a thing of the past and TV is now all digital.  Rabbit ears and rooftop antennas no longer provide a use.  Cable and satellite now reign supreme...
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