For better and for worse, 401(k) plans are a cornerstone of retirement in America. With defined-benefit pension plans fading out with the Baby Boomers, 401(k)s will be the most important, and in many cases, the only source of income for people in retirement other than their Social Security benefits. (For more, see: Social Security: Saving vs. Delaying Benefits.) That’s a problem. Americans are not enthusiastic savers.
A four-year degree at the most expensive institutions will cost more than $60,000 a year and, based on cost trends, probably much more in the future. For middle-class American parents who want "the best" for their kids, college can wreak havoc on their retirement plans. "College costs have risen so much and there's so much uncertainty about where they'll be in the future," said financial advisor Jude Boudreaux, CFP and head of Upperline Financial Planning.
According to the Center for Retirement Research at Boston College, 11 percent of plan participants borrow from their 401(k) plan each year and about 20 percent currently have a loan outstanding to their account, based on data from Vanguard Group, which administers plans for more than 24 million Americans. Ric Edelman, founder and executive chairman of Edelman Financial Services, thinks individuals should never borrow from their 401(k) plan.
Muck Rack makes it simple to find people, tweets, or articles that mention any name, keyword, company, hashtag etc. We've compiled this guide to help you make the most of your search.
Selecting a term
Start searching tweets, articles from media outlets, articles mentioned in tweets, journalists'
names, titles and bios with some suggested searches:
Companies or Topics (e.g. iPhone, Microsoft)
Phrases (e.g. "cloud computing") — use quotes to keep the terms together
Twitter handles (e.g. @username) — returns those who have mentioned or replied to
Names (e.g. "David Pogue")
Hashtags (e.g. #sxsw, #london2012)
Bio details (e.g. vegan, Olympics, father)
Muck Rack's Advanced Search allows for many boolean operators.
Find results that mention multiple specified terms, use AND or
+. For example, ensure each result contains both Elon Musk and Mark Zuckerberg by
searching Obama AND Romney or Obama + Romney.
Use the operators OR or , to broaden your search when you'd like either of
multiple terms to appear in results. (This is the default behavior of our search when no operators
are used.) For example, search for democrat OR republican to find results that refer to
Democrats and/or Republicans.
Use NOT or - to subtract results from your search. For
example, searching Disney will yield results about the Walt Disney Company as well as Walt Disney
World Resort. To exclude mentions of Disney World, search for Disney -World or Disney
When using one of these operators with a phrase, enclose it in quotation marks. For example, you can
find results about smartphones excluding Apple's iPhone 4S by searching smartphone -"iPhone
Exact case matching or punctuation
If you're searching for a brand name or keyword that relies on specific punctuation marks or capitalization, you can
find results that match your exact query by adding matchcase: before the keyword you're searching for, like matchcase:E*TRADE .
Use parentheses to separate multiple
boolean phrases. For example, to find journalists talking about having fun in Disney World or
Disneyland, search for ("disney world" OR disneyland) AND fun.
An asterisk can be used to search for any variation of a root word truncated by the asterisk. For example, searching for admin* will return results for administrator, administration, administer, administered, etc.
A near operator is an AND operator where you can control the distance between the words. You can vary the distance the near operation uses by adding a forward slash and number (between 0-99) such as strawberries NEAR/10 "whipped cream", which means the strawberries must exist within 10 words of "whipped cream".