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NYSLRS About Retirement Online - New York State Comptroller

Though people are very different, each with their own passions, talents, interests, and abilities, in traditional school settings, most students are all given the same path and grouped with others by date of manufacture. At the age where youth are entering college or the workforce, many have never been given the opportunity to find what they love. This is because for many students, school fosters dependency learning and a false sense that if you just keep doing as youre told, it will eventually pay off...even though there may never be time to figure out where it is you actually want to go. This holds true not only for students dissatisfied with school, but also for students with high achievement like Amy, Carlie, Jessica, Maria and this insightful Valedictorian who felt high school robbed her of this opportunity. Upon graduation, she took her diploma and hit the road literally and went on an adventure to make up for lost time and explore who she really is and what she loves. You can follow her adventures on her blog America Via Erica. Youll notice that once she left school behind, Erica had the opportunity to set her own personal goals which she can change and update as she learns and as she pleases.

Currently her goals are:

School is torture because I am required to spend all my time doing menial tasks, worksheets, and rote memorization.

This takes too much time away from being able to discover my hobbies, interests, or passions. Im in 10th grade and I dont foresee having the ability to do that before I graduate high school."

Once students come up with their plan. Theyll need a place to capture all the great things they are doing. My next post on ePortfolios will outline how to do just that.

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Creating a Personal Success Plan - A Sensible Alternative ...

About WebCE:

We provide quality online insurance continuing education courses to insurance agents and financial planners. Our online insurance CE course catalog includes state-specific insurance CE courses, like NAIC 4-hour annuity CE, long-term care CE, flood insurance training, ethics, law and many more. Classroom equivalent insurance CE courses are alsoavailable inTexas and Utah. Monitor-free insurance CE courses are also available in select states.

Other Products:

Most of our insurance CE courses also qualify for CFP CE, Adjuster CE, Public Adjuster CE, and PACE CE. Go to http://www.FinancialPlannerCE.com to select courses that are approved for insurance CE and CFP CE. WebCE also provides Enrolled Agent CPE and Accounting CPEat http://www.APlusCPE.com.NMLS CE for Mortgage Brokersis available at http://www.BrokerCE.com. Online insurance exam prep courses are also available at http://www.PreLicense.com.

Corporate Programs:

Hundreds of companies make our insurance CE services available to their producers at discounted prices through our customizable corporate programs like, insurance CE vouchers, private-labeled learning centers, multi-state adjuster CE solutions, incentives, and volume discounts.Contact our Corporate Sales Department and find out how our customizable insurance CE programs can meet the needs of your company. Click here to learn more.

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Insurance CE Courses | WebCE

Your momentum is power. Where your focus goes your energy flows.

Making the conscious commitment to empower yourself by directing your thoughts, energy and focus toward what you most want and the goals you need to achieve is the first step towards creating an extraordinary life.

This is why we all need asystem a personal development plan to help ensure were taking control of our focus, learning new tools, strategies and psychology to create momentum and produce the results we want. Thats why 50 million people in over 100 countries hard-working folks from all walks of life, from students, to professionals, to leaders from entertainment, business, sports, and politics have used Tony Robbins award-winning Personal Achievement Systems to make a difference in the quality of their lives.

Losing weight. Increasing income. Eliminating bad habits. Enjoying extraordinary business success. Creating more fulfilling relationships. Whatever your goal is you can learn the steps to achieve it.

Tony Robbins turns self development and professional achievement into a step-by-step process that will help you identify what it is you really want, whats preventing you from getting it, and how to break through any barriers to take action and create true transformation. And he does it all with total passion, power and playfulness that makes this personal development coaching process not only engaging, but thoroughlyenjoyable.

You can utilize the minutes you spend in mindless activities, every day, learning methods designed to help you improve the quality of your life.

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Mind & Meaning, Personal Achievement and Growth Products

Use gentle, powerful hypnosis to train your unconscious mind to move towards your personal development goals.

Hypnosis is an ideal way for you to enhance your personal development. Whether you want to improve your personal performance in a specific field, or feel better able to handle challenging circumstances (or people), or want to foster particular desirable qualities in yourself, going into a deep trance state and using the power of hypnotic suggestion can make a huge difference.

For example, when you want to get into a specific confident and positive emotional state so that you can successfully deal with an upcoming situation that you perhaps dread, you can quickly learn how to hypnotically 'switch on' the state you want. And you can then reliably attach that feeling to the situation, so that in future you 'automatically' go into the frame of mind that you want for those situations.

These personal growth hypnosis downloads offer you a range of targeted sessions that will give you the tools, the skills and the confidence to make the most of yourself and your abilities and potential in life and be the person you want to be.

Follow this link:
Personal Development | Self Hypnosis Downloads

Could Structured Thinking Improve Your Life?

Lao Tzu wrote, When you realise there is nothing lacking, the whole world belongs to you.

However, the path to mindfulness can be tricky for most, but what if there was an easy way?

In your Starter Kit you will get the foundation skill to controlling every aspect of your life, and you will begin to feel like the whole world belongs to you.

That and the other exercises included in the kit will quickly show you how any or all areas of your life can be changed to suit you!

We hate spam too. Email is still the best way we can send you your free Starter Kit, as well as communicate with you. We will communicate with you only as long as you want to hear from us. Every one of our emails to you will give you the opportunity to opt out of any further emails. We will email you your Starter Kit shortly.

Buddha wrote, Each morning we are born again. What we do today is what matters most.

But for most people being able to think that way is pretty much an impossibility.

However, with this Life Breakthrough Kit you get the simple tools needed to be able to control your happiness, control how you think, and use the simple essential rules to attaining all the breakthroughs you want in life

We hate spam too. Email is still the best way we can send you your free Breakthrough Kit, as well as communicate with you. We will communicate with you only as long as you want to hear from us. Every one of our emails to you will give you the opportunity to opt out of any further emails. We will email you your Breakthrough Kit shortly.

Albert Einstein wrote, Make everything as simple as possible, but not simpler.

We are trained to look for the simple solutions to lifes most complex problems. Then we often think something is too simple, so we ignore it.

What youll find here is something that may solve your problem, and may solve many other problems too that you did not even know you had. However, you will also find something that has been made as simple as possible, but not simpler

We hate spam too. Email is still the best way we can send you your free Footsteps course, as well as communicate with you. We will communicate with you only as long as you want to hear from us. Every one of our emails to you will give you the opportunity to opt out of any further emails. We will email you your first Free Chaptersshortly.

Just How Happy Do You Want To Be? Discover Your Score And What To Do About It

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Learn to change how you think in a very, simple and easy way

Albert Einstein wrote, Make everything as simple as possible, but not simpler.

We are trained to look for the simple solutions to lifes most complex problems. Then we often think something is too simple, so we ignore it.

What youll find here is something that may solve your problem, and may solve many other problems too that you did not even know you had. However, you will also find something that has been made as simple as possible, but not simpler

We hate spam too. Email is still the best way we can send you your free Footsteps course, as well as communicate with you. We will communicate with you only as long as you want to hear from us. Every one of our emails to you will give you the opportunity to opt out of any further emails. We will email you your first Free Chaptersshortly.

Making massive change and progress can be virtually effortless...

Buddha wrote, Each morning we are born again. What we do today is what matters most.

But for most people being able to think that way is pretty much an impossibility.

However, with this Life Breakthrough Kit you get the simple tools needed to be able to control your happiness, control how you think, and use the simple essential rules to attaining all the 'breakthroughs' you want in life...

We hate spam too. Email is still the best way we can send you your free Breakthrough Kit, as well as communicate with you. We will communicate with you only as long as you want to hear from us. Every one of our emails to you will give you the opportunity to opt out of any further emails. We will email you your Breakthrough Kit shortly.

You may be closer to doing that than you might think

Lao Tzu wrote, "When you realise there is nothing lacking, the whole world belongs to you."

However, the path to mindfulness can be tricky for most, but what if there was an easy way?

In your Starter Kit you will get the foundation skill to controlling every aspect of your life, and you will begin to feel like the whole world belongs to you.

That and the other exercises included in the kit will quickly show you how any or all areas of your life can be changed to suit you!

We hate spam too. Email is still the best way we can send you your free Starter Kit, as well as communicate with you. We will communicate with you only as long as you want to hear from us. Every one of our emails to you will give you the opportunity to opt out of any further emails. We will email you your Starter Kit shortly.

Join our Saltori Mindset Secrets Newsletter to get the latest insights

Mark Twain wrote, "It ain't what you don't know that gets you into trouble. It's what you know for sure that just ain't so."

Most people live their entire lives thinking that what they know for sure is so. This often leaves them asking, what happened? What did I do wrong? Where did it go wrong?

By learning the subtleties of how we view our options you'll discover what helps and what hurts us.

In this Mindset Secrets Newsletter I will be unravelling crooked thinking and showing the failures in the way we have been taught to think.

We hate spam too. Email is still the best way we can send you your free newsletters, as well as communicate with you. We will communicate with you only as long as you want to hear from us. Every one of our emails to you will give you the opportunity to opt out of any further emails.

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Personal Development | Saltori structured thinking

Personal Development Training - 2 day course Course Pricing and Availability Bespoke In House Training

This course is also available as an in house group training course in the UK and worldwide. We can tailor the content to fit your specific needs. Group training costs from 1,850 +VAT per day for up to 20 delegates (plus trainer's B&B). In-house training proposal

Two day open course: 850 +VAT per delegate. Our next open course is in 5 days, there are still places available. Would you like to book online now or see all course dates?

We currently offer open courses in: London, Birmingham, Manchester, Heathrow, Central London, Oxford, Swindon, Bristol, Leeds, Nottingham, Southampton and Glasgow, Scotland.

Please note all our training courses include three months additional FREE telephone coaching.

Course Timings: Start 09:00 - Finish 16:30. Lunch at 13:00, Tea Breaks at 11:00 and 15:00, giving you an opportunity to check emails and make calls.

After the course, how can you keep the training-momentum going?

If you are a working in a professional setting, then you may be interested in the excellent two-day personal development training.

After this course you will enjoy the benefits of using the Six Major Skills, namely: Goal achievement, persuasive communication, prioritisation, handling conflicts, self-motivation, and the ability to motivate others.

You will find this course to be absolutely perfect to brush-up on your current knowledge and to increase your powers further using new material that you have never seen before.

This complete and detailed, two-day training course is the perfect answer; it is designed to extend and deepen your knowledge of the principles that will enable you to get the best from yourself and others.

Please read the full course description, and then select your best venue and dates and book your place on this popular training course.

The literature and content were very organised and well presented. The examples were very helpful. Trainers presentation was clear, organised and will structured. Friendly and easy to talk to and ask questions

M Stone Rotork Controls

We start by asking this question: How can you get the very best from yourself and others?

You can get the very best from yourself and others only by developing your personal skills.

The following six key professional development skills:

Let us develop each of these qualities in turn.

All development starts with setting goals - you need to develop a clear sense of purpose - become more goal focused.

Training notes and then practice.

How to communicate with more clarity

Assertiveness and proper conflict management training

Conflict is inevitable and therefore you must be able to handle it:

Remember that conflict can be beneficial if it is well managed. Conflict can be destructive if it is not well managed?

How should you manage conflict situations? By using a rational approach; use the proper principles:

The proper conflict management principles require that you: -

Action plan

Content was detailed and valuable, learnt a tremendous amount that I will use daily, I was able to relate to all of it. The trainer's presentation was clear and precise. Good use of real world examples which help to make the content usable. Friendly course.

Jamie Hamblin Lanes Health Products

Time management training is about getting the most valuable work done in the least amount of time.

In order to prioritise properly; Use "Deadline pressure" and "value" as the key indicators.

Your worst enemy: the busy, but non-productive day.

Have you ever had a busy but non-productive day? Beat the time wasters - there are three major categories of time wasters:

Delegate as much lower value work as you are able.

How to prioritise your task list - prioritise tasks according to their value. Manage your priorities by means of a decision matrix.

Keep repeating the question: What is the most valuable use of my time, right now?

Your actions are controlled by two things:

How you feel will affect how you act and therefore the results you are able to create. Put simply:

Therefore it is important to be able to create and sustain a "Positive Mental Attitude"

A positive attitude works for you like this:

Manage your own mind. (Do not allow your thoughts or language to be become destructive)

The success formula is a description and prescription for all successful, goal directed action, composed of only five parts:

Recognise that the success formula is a continuous process

Failure is the opposite formula

How will this training help you to get the best from yourself and others?

Summary / action planning / close

The training method follows this general pattern - the training is very interactive and interesting:

Note: we do not believe in placing people in any situation of embarrassment by demanding that they 'perform' in front of the whole group. So you can relax: come on this course and be at ease; ready to learn new skills!

Training course content: It was very good, well organised and helpful. Trainer's presentation: Chris Farmer is an excellent trainer and I will definitely apply the method in my daily routine.

Ranjit Singh RDB Concepts

You are able to book this course online today.

The open training course costs only 850 +VAT per delegate . For this price we provide:

We understand that it is important to keep the momentum of the training going, in the weeks after the course. The ideas and methods that you learnt during the course need to be implemented, not just for the two weeks after the course, but for all time!

In order to make that happen, we will give you continued, on-going support after the training course has finished. The support comes in the form of the Post Course Portal.

The Post Course Portal is a web page that contains a review of all the course material, plus the following:

If you are a manager who is trying to figure out how to take the results from your organisations staff appraisal and training needs, and turn them into a coherent set of training courses, that will meet these needs, in as efficient a manner as possible, then we can help you with our free service. More...

In House Course: from 1,850 +VAT per day (plus trainer's B&B) for up to 20 delegates (download in-house prospectus)

Please call us on +441452856091 to discuss your requirements for the in house training course.

If you want to know more about any Management Training Course or their suitability for you or a colleague call us on +441452856091.

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Two Day Personal Development Training Course (2 Days)

Personality development is defined as the relatively enduring pattern of thoughts, feelings, and behaviors that distinguish individuals from one another.[1] The dominant view in the field of personality psychology today holds that personality emerges early and continues to change in meaningful ways throughout the lifespan.[2] Evidence from large-scale, long-term studies has supported this perspective.

Adult personality traits are believed to have a basis in infant temperament, meaning that individual differences in disposition and behavior appear early in life, possibly even before language or conscious self-representation develop.[3]The Five Factor Model of personality has been found to map onto dimensions of childhood temperament,[4] suggesting that individual differences in levels of the big five personality traits (neurotic-ism, extraversion, openness to experience, agreeableness, and conscientiousness) are present from young ages.[5]

An evolutionary perspective has been proposed to explain why humans have personality and individuality. This perspective traces personality and individuality back to when the early humans were learning how to function in complex social groups. Many specialists from different fields have a general agreement that early humans saw themselves as a part of the group to which they belonged, rather than seeing themselves as individuals with independent personalities. In terms of personality at this time, the whole group was identical.[6]

A member of the group associated themselves as one with the tribe and therefore the responsibility rested in the group and not the individual. Kropotkin explained the importance of this by stating that because the primitive man identified his existence with the existence of his tribe it has allowed for mankind to reach the remarkable level present today. A small step of differentiation that later led to personality and individuality was the division of labor. This differentiation was necessary in order for the group to function in a much more efficient way. This differentiation became adaptive since it increased the groups functionality. These early humans then continued to develop personality and individuality, which stemmed from their group and the social interactions they encountered. Individual life, and thus individuality and personality essentially arose from collective life.[6]

In order to explain some of the variations in human personality and individuality it's possible to look at the evolutionary process of natural selection. Evolution introduced variations of the human mind, natural selection acted on these by choosing which were the most beneficial and which led to a greater fitness. Since humans are so complex, many opposing personality traits proved to be beneficial in different ways. An example of this is that in some situations a more aggressive personality could be beneficial, yet a more submissive personality could be beneficial in another situation. Another type of selection helps to take on the evolutionary aspect of human personality and individuality. This type of selection is referred to as emotional selection. It considers emotions as the core emergence of humans in the world. The emotions of humans are what have led to the evolution of human personality and individuality. The ability to adapt to all conditions of life is usually called, intelligence, but is founded in the complexity and flexibility of the emotional system. The concept of emotional representation as a way of selectively modeling the environment is the key idea underlying our understanding of human individuality. [7]

Classic theories of personality, such as Freuds tripartite theory, and post-Freudian theory, including developmental stage theories and type theories, have often held the perspective that most personality development occurs in childhood, and that personality is stable by the end of adolescence. As recently as the 1990s, modern personality theorists concurred with William James 1890 assertion that, by age 30, personality is set like plaster.[8] Currently, lifespan perspectives that integrate theory and empirical findings dominate the research literature. The lifespan perspective of personality is based on the plasticity principle, that personality traits are open systems that can be influenced by the environment at any age.[2] This interactional model of development emphasizes the relationships between an individual and her environment, and suggests that there is a dialectic between continuity and change throughout the lifespan.[9][10] Large-scale longitudinal studies have demonstrated that the most active period of personality development appears to be between the ages of 20-40.[2] Personality grows increasingly consistent with age and plateaus sometime around age 50, but never reaches a period of total stability.[11] Although change is less likely later in life, individuals retain the potential for change from infancy to old age.[12]

Personality traits demonstrate moderate levels of continuity, smaller but still significant normative or mean-level changes, and individual differences in change, often late into the life course.[13] This pattern is influenced by genetic, environmental, transactional, and stochastic factors.[14]

Twin and adoption studies have demonstrated that the heritability of personality traits ranges from .3-.6, with a mean of .5.[15] Heritability of .5 means that 50% of variation in observable personality traits is attributable to genetic influences. But a given genotype will lead to a certain phenotype only under the right environmental circumstances.[16] In other words, the heritability of a trait may change depending on an individuals environment and/or life events. An example of the way environment can moderate the expression of a gene is the finding by Heath, Eaves, and Martin (1998)[17] that marriage was a protective factor against depression in genetically identical twins, such that the heritability of depression was as low as 29% in a married twin and as high as 51% in an unmarried twin. Ultimately, emerging evidence suggests that genetic and environmental influences on personality differ depending on other circumstances in a persons life.[16]

With the effects of genetic similarity removed, children from the same family often appear no more alike than randomly selected strangers;[18] yet identical twins raised apart are nearly as similar in personality as identical twins raised together.[15] What these findings suggest is that shared family environment has virtually no effect on personality development, and that similarity between relatives is almost entirely due to shared genetics. Although the shared environment (including features like the personality, parenting styles, and beliefs of parents; socioeconomic status; neighborhood; nutrition; schools attended; number of books in the home; etc.) may have a lasting impact at the extremes of parenting practice, such as outright abuse, most personality researchers have concluded that the majority of average expectable environments[15] do not have an effect on personality development.

The weakness of shared environmental effects in shaping personality came as a surprise to many psychologists, and spurred research into nonshared environment, or the environmental influences that make siblings different from one another instead of similar.[19] Non shared environmental effects encompass the variability in behavioral outcomes that is not explained by genetic and family environmental influences. The non shared environment may include differential treatment by parents, individually distinct reactions to the shared family environment, peer influences, and experiences that occur outside the family, as well as test error in measurement.[20] In adults, nonshared environment also encompasses the unique roles and environments experienced after leaving the family of origin. Further effects of environment in adulthood are demonstrated by findings that different work, marital, and family experiences are associated with personality change,[21] and by the impact of major positive and negative life events on personality.[22][23]

Van Gestel and Van Broeckhoven (2003) write, Almost by definition, complex traits originate from interplay between (multiple) genetic factors and environment.[24] Interactions between genetic predisposition and the environment are a major factor in personality development. The corresponsive principle of personality development states that life experiences may accentuate and reinforce the personality characteristics that were partially responsible for the particular environmental elicitations in the first place.[25] This principle is summarizes how gene-environment interactions (also called person-situation transactions) maintain and reinforce the continuity of personality throughout the lifespan. Three main types of gene-environment interactions are active (the process by which individuals with certain genotypes select and create environments that facilitate the expression of those genotypes), passive (the process by which genetic parents provide both the genes and the early environmental influences that contribute to the development of a characteristic in their children), and reactive (the process by which non-family individuals respond to the behavior produced by a genotype in characteristic ways).[15][22]

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Personality development - Wikipedia, the free encyclopedia

No matter how old you are now. You are never too young or too old for success or going after what you want. Heres a short list of people who accomplished great things at different ages 1) Helen Keller, at the age of 19 months, became deaf and blind. But that didnt stop her. She was the first deaf and blind person to earn a Bachelor of Arts degree. 2) Mozart was already competent on keyboard and violin; he composed from the age of 5. 3) Shirley Temple was 6 when she became a movie star on Bright Eyes. 4) Anne Frank was 12 when she wrote the diary of Anne Frank. 5) Magnus Carlsen became a chess Grandmaster at the age of 13. 6) Nadia Comneci was a gymnast from Romania that scored seven perfect 10.0 and won three gold medals at the Olympics at age 14. 7) Tenzin Gyatso was formally recognized as the 14th Dalai Lama in November 1950, at the age of 15. 8) Pele, a soccer superstar, was 17 years old when he won the world cup in 1958 with Brazil. 9) Elvis was a superstar by age 19. 10) John Lennon was 20 years and Paul Mcartney was 18 when the Beatles had their first concert in 1961. 11) Jesse Owens was 22 when he won 4 gold medals in Berlin 1936. 12) Beethoven was a piano virtuoso by age 23 13) Issac Newton wrote Philosophi Naturalis Principia Mathematica at age 24 14) Roger Bannister was 25 when he broke the 4 minute mile record 15) Albert Einstein was 26 when he wrote the theory of relativity 16) Lance E. Armstrong was 27 when he won the tour de France 17) Michelangelo created two of the greatest sculptures David and Pieta by age 28 18) Alexander the Great, by age 29, had created one of the largest empires of the ancient world 19) J.K. Rowling was 30 years old when she finished the first manuscript of Harry Potter 20) Amelia Earhart was 31 years old when she became the first woman to fly solo across the Atlantic Ocean 21) Oprah was 32 when she started her talk show, which has become the highest-rated program of its kind 22) Edmund Hillary was 33 when he became the first man to reach Mount Everest 23) Martin Luther King Jr. was 34 when he wrote the speech I Have a Dream." 24) Marie Curie was 35 years old when she got nominated for a Nobel Prize in Physics 25) The Wright brothers, Orville (32) and Wilbur (36) invented and built the world's first successful airplane and making the first controlled, powered and sustained heavier-than-air human flight 26) Vincent Van Gogh was 37 when he died virtually unknown, yet his paintings today are worth millions. 27) Neil Armstrong was 38 when he became the first man to set foot on the moon. 28) Mark Twain was 40 when he wrote "The Adventures of Tom Sawyer", and 49 years old when he wrote "Adventures of Huckleberry Finn" 29) Christopher Columbus was 41 when he discovered the Americas 30) Rosa Parks was 42 when she refused to obey the bus drivers order to give up her seat to make room for a white passenger 31) John F. Kennedy was 43 years old when he became President of the United States 32) Henry Ford Was 45 when the Ford T came out. 33) Suzanne Collins was 46 when she wrote "The Hunger Games" 34) Charles Darwin was 50 years old when his book On the Origin of Species came out. 35) Leonardo Da Vinci was 51 years old when he painted the Mona Lisa. 36) Abraham Lincoln was 52 when he became president. 37) Ray Kroc Was 53 when he bought the McDonalds Franchise and took it to unprecedented levels. 38) Dr. Seuss was 54 when he wrote "The Cat in the Hat". 40) Chesley "Sully" Sullenberger III was 57 years old when he successfully ditched US Airways Flight 1549 in the Hudson River in 2009. All of the 155 passengers aboard the aircraft survived 41) Colonel Harland Sanders was 61 when he started the KFC Franchise 42) J.R.R Tolkien was 62 when the Lord of the Ring books came out 43) Ronald Reagan was 69 when he became President of the US 44) Jack Lalane at age 70 handcuffed, shackled, towed 70 rowboats 45) Nelson Mandela was 76 when he became President Pablo

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Quotes About Motivation (3833 quotes)

JillLang

Q. Im going to retire next year, and I have a traditional IRA worth $260,000 that Im thinking of converting to a Roth. I dont think I will need the money during my retirement, so I love the idea of giving a tax-free gift to my kids. What should I consider?

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A new report took a look recently at retirement plans and participation in New Jersey and some of the results were pretty surprising.

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Q. I have an individual 401(k). Whats the best way to make contributions as the employer or as the employee? Which is more beneficial for my taxes? I earn about $100,000 a year from my business.

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If you havent started socking cash away for retirement, a new Wells Fargo report might give you some strong incentive to save now.

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A new AARP New Jersey survey finds that there is a great deal of angst among New Jerseyans when it comes to their ability to afford retirement.

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Have you heard about the latest government scam?

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If you haven't saved any money at all for retirement you have a lot of company according to a 2014 Federal Reserve report.

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There's a big difference in financial security between New Jersey residents who are retired and those who are not.

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You may be planning to work until you are 65, then head south where you can spend your days on the beach or on the golf course. But life may have other plans, and you may be forced into retirement earlier than expected -- and that could send your plans into a tailspin.

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Have you saved any money for retirement or are you among the many Americans who haven't socked away anything? You could get the opportunity to have your company take a small percentage from your paycheck and put it into a state-run retirement account.

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Retirement - New Jersey 101.5