Manage Walmart Credit Card Gold Bullion is the Wisest Choice to Utilize Your 401k (USA)

Obviously, as citizens or residents of the United States of America, retirement planning/saving account is cogent issues towards maximizing your financial future/security to fullest. And investment in gold bullion is the safe haven through the mechanism of utilizing proceeds of the 401k.This might be a strategic or challenging decision for young employees/graduates but a watchword for them is to keep their “credit life” (Credit Cards) very low and make provisions for the “rainy day” by signup to their employer’s 401K.Bolts and Knots of 401K
401K is retirement savings/investment account whereby the employees set aside certain part of the monthly salary before tax. Majority of the employers have this package or corresponding equivalents for their employees for the purpose of enhancing long term savings.Almost every contract have the pros and cons, 401K also is not exempted. The identifiable merits of 401K are highlighted below;
1. Deferred taxation. The contribution from your salary towards the 401K is deducted at source before taxation. Therefore, it is tax-free at the time of contribution but the tax applicability is deferred to later years when you are cashing out of the system.


2. Reduction in taxable income. Sequel to number one above, because your contribution is not taxable, the tax payable by you is based on the balance of your salary after the deduction for 401K. This has drastically reduced your taxable income and tax paid on weekly/monthly basis as the case may be.3. Matching contribution. The 401K is a saving towards your retirement and your employer also supposed to be part of that contribution. Some employers that recognized the importance of retirement provisions for their employees offered a matching contribution, which is a specified percentage added to the contribution of the employees.4. Long term savings/investment. This retirement savings can be for several years (long term), take for instance an employee that join the service of the employer at age 20 can have the opportunity of contributing until retirement age (60 years). That means his/her contribution is for a period of 40years, thus having a huge accumulation of fund at retirement.5. Compounded ROI. The returns on investment is compounded and this will enhanced the speedy growth of the accumulated fund over years.The opposite of the above are the drawbacks of 401K retirement planning as specified below.
i. Limited investment opportunities. You only have the option of choosing investment opportunity among those provided by scheme in-house or managed by advisory.ii. High operational expenses. The professional fees and other expenses in managing the scheme is usually high compare with the individual retirement account (IRA).


iii. Pre-retirement cash-out penalties. Early cash-out from the scheme will merit a penalty being a specified percentage as stated by the terms and conditions of the investment portfolio.Now, having discussed extensively about the advantages and disadvantages of 401K, the question is how do l utilized my 401K retirement savings.Utilization of 401K retirement fund
Sincerely, you have various options at your disposal ranging from company stock to index fund, bond, “target date” retirement fund etc.To this end, the simplest course of action is to pinpoint the lowest cost and most diversified investment fund that take cognizance of gold bullion as part of the investment combo.You can also read other publications on this blog that specified the importance/reasons why gold bullion must be part of your investment portfolio.

Top VR Games for Your Android Phone

VR or virtual reality is the new innovation by the tech world that has become an integral part of almost all sorts of games online. Virtual reality is a three dimensional environment that would render live and interactive experience to the gamer. There games are being designed to enhance the quality of the games and to give an awesome gaming experience to the gamer. The more innovative and user-friendly versions of these VR games are coming up in these days that are compatible enough even on smart phones.

Latest VR games would allow you to play the game on multiple devices with a single gamer name. You can play while commuting also by using your android phones. The latest versions of VR games are designed in such a way that they would render the same experience as a pc, laptop or a play station. Now as we know what is a VR game is all about let’s look at few latest VR games designed for android phones,

• Mekorama VR – A puzzle game where you have to guide a small robot through various levels. At the beginning it’s quite simple because there will be few stones to be moved but the difficulty increases from one level to the next. In this game you use the controller to move the stones and show the robot the way to move up.

• Hunters Gate: A game for action lovers – You will become a savior of the world when the world has been attacked by demons and you have to keep them back. This is a fun-filled and graphically impressive game. This is a famous rolling game whose elements make you stronger over time and will teach you new skills. For playing this game you must use daydream controllers, and these controllers help you in keeping track of what’s happening from above, which reduces your too much interaction with the virtual movement.

• Need for Speed: A VR game for admirers of speed, the game enhances the sensation of speed by Virtual Reality and is probably the best racing game for Daydream-capable smart phones. An exciting ride is guaranteed because of its impeccable graphics and breakneck-pace. Besides that the choice of customization and car tuning made this game more enchanting and exciting.

• Gun jack 2: End of Shift – A game where you will be sitting on cannon on our solar system and fend off the attackers who are desperate to steal the minerals from our planet. You will be having immense arsenal weapons and can control everything with your gaze.