Employers give summarizes Northwestern State Demons their workers ancient demons recounts a range of investment options -- the average number is nine -- including stocks, bonds and money market funds. Nobody is guaranteed a particular benefit upon retirement; the benefit depends on how much money has been invested, and how successfully. But 401(k) plans have the advantage of being "portable" -- workers can take their savings along when they switch jobs. Q: What does the new pension legislation do for workers whose employers offer 401(k)s?A: There are two major provisions. One would make permanent the increased limits enacted in 2001 on the amount of salary that could be deposited tax-free into a 401(k). Without legislation, the larger limits would expire at the end of 2010. The other provision would allow employers to enroll employees automatically in 401(k)s and leave it to the workers to opt out.

Experience suggests that about one worker in four fails to take advantage of 401(k)s when it is up to the worker to enroll, but fewer than one worker in 10 goes to the trouble of opting out after being automatically enrolled. "I would not be surprised if within less than 18 months, more than half of the 401(k) participants in the country are in plans that have automatic features," said J northwestern state demons football . Mark Iwry of the Retirement Security Project and the centrist Brookings Institution think tank in Washington. Q: OK, so where does the hybrid fit in?A: Hybrids, also known as cash-balance plans, offer a mix of the qualities of defined benefits and defined contributions demon . As in traditional defined-benefit plans, employers have some flexibility over the timing of their contributions, and they control the way those contributions are invested demon list . Retiree benefits are calculated based on an interest rate set by the employer -- say, 4% or 5% a year demon mythology . Employers generally set the rate low enough that they can earn at least that much on the invested contributions. "If they earn more, as they usually do, they pocket the difference," said Iwry. Q: Doesn't that just shift the risk from the worker to the employer?A: There isn't much risk, but there's another problem Northwestern State Demons .

In the conversion from defined-benefit plans, benefits are often frozen for a few years northwestern state demon . This practicehits older workers particularly hard, and conversions were thrown out by a federal court in 2003 on age discrimination grounds. Q: What does the legislation do about hybrids?A: It clarifies the legality of hybrid plans and imposes nondiscrimination rules demon spirits Northwestern State Demons - nsudemons . But the AARP, a seniors' lobbying group, regards those rules as inadequate demonic . "It does not provide additional transition assistance for workers hurt by conversions to cash-balance pension plans and weakens age discrimination protection for older workers," said Bill Novelli of the AARP demonic demons . "This bill can help make retirement more secure for many," he said, "but it leaves much work to be done to ensure retirement security for all. "*(BEGIN TEXT OF INFOBOX)Pension declineTraditional defined-benefit pension plans are rapidly being replaced by defined-contribution plans, such as 401(k)s. Distribution of private-sector retirement-plan participants1978Defined benefit: 60%Defined contribution: 16%Both: 24%*2004Defined benefit: 10%Defined contribution: 63%Both: 27%*Source: Employee Benefit Research Institute. Former senator and astronaut John Glenn, 85, and his wife, Annie, 86, were in fair condition at Grant Medical Center in Columbus after being involved in a car accident. They were expected to be released today. The couple were returning home from a fundraiser Friday night when Glenn tried to make a left turn onto a highway ramp and struck another car.

Police cited Glenn for failure to yield, according to family spokesman Dale Butland. Glenn, who served in the Senate from 1974 to 1999, piloted the first U. S manned orbital mission in 1962 He went back into space in 1998 at the age of 77. Northwestern State Demons tickets northwestern state university demons . MIAMI — The Souto family fled Fidel Castro's Cuba four decades ago with nothing but their good name and a love of cafe Cubano that no dictator could take from them . Through years of hard work, the Soutos went from hand-delivering bags of roasted beans on the streets of Little Havana to owning a multimillion-dollar coffee conglomerate that makes most of the specialty espresso sold in the United States. But something is still missing from their rich and potent Cafe Pilon brand: actual Cuban coffee demonic spirits. If Cuba's communists fall from power -- a moment many exiles consider imminent now that Castro is ill -- the family plans to fix that by phasing out arabica beans from Ecuador and Guatemala in favor of beans from Cuba's Sierra Maestra region. "The day Cuba is free, we will be back in that market," said Jose Enrique Souto, 63, who left the island as a teenager and joined his father in the family business demonology . "It will not be easy, because there is no infrastructure," he said demons Northwestern State Demons - nsudemons . "But someday soon, we will be selling Cafe Pilon in Cuba, and eventually, we will be making coffee there again. "I know that in my heart. "Filled with a passion to recreate the elegant Cuba of their forefathers -- and to trade on the public's enduring fascination with the island's fabled cigars, anejo rums and sultry nightclubs -- exiles and their children are dusting off old ideas to make money from Cuba's potential reconstruction. Restoring the grand old homes of Havana and taking back family tobacco plantations and sugar mills are among the ambitious dreams of Cuban immigrants -- those who became millionaires in Miami, as well as those who never regained their wealth. "I don't think a day goes by that my father does not dream about going back to Cuba," said Christian Eiroa, president of Camacho Cigars, a company that grows fine tobacco in Honduras but longs for a return to the Bordeaux of cigars, Cuba's Pinar del Rio region. "The people who made the Cuban cigar industry are the people who left," added Eiroa, 34, who was born in Honduras and runs the business with his father Julio, a 67-year-old Cuban exile. "We built that industry, and we will build it back. "Corporations banned from doing business with Cuba under the U. S.