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| PLANNING |
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| TIP! |
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| Retirement Savings |
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| + | Employees: |
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| – | Take into
consideration, new payroll withholding |
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| taxes will
increase your take home pay in 2001 |
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| – | Add this
increase to your retirement savings |
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| – | Review your
employer retirement plan savings |
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| elections in
November and December |
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| – | Make changes
effective January 1, 2002 |
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