They say that a person’s future depends on what he does today. This saying also applies to retirement investments. Making wise investments today will definitely have an impact on a person’s tomorrow. Back in the 1800s, the idea of retirement is unknown to workers. But that was yesterday. Today, a lot of people are very careful about spending because the last thing they’d want to experience is to live an uncomfortable life after retirement. This explains why most U.S. citizens invest on retirement plans like 401k.

Introduction To 401k Calculators

401k calculators are among the best tools you can make use of in order to get a glimpse on your 401k investments. 401k calculators let you have an idea how large your 401k funds might be when you reach retirement. This way, you’ll have an impression on what quality of life you could possibly expect to have when you cease working. That being said, 401k calculators allow individuals to make decisions and plan ahead. Having an understanding about how much money one can have once you hit 59 years and 6 months, a person can look into other alternatives and be able to allocate his earnings in good investments.

401k calculators come in different packages. Free 401k calculators which are seen all over the internet, are fairly easy to make use of. A person can take full advantage of these calculators anytime and anywhere because they are totally free. Just key in the right details and you can immediately have a computed approximation of your account returns.

However, paid calculators give users  more sophisticated features. Besides approximated investment returns, functions such as financial scenario comparison options and advanced graphics and illustrations are likewise offered in paid 401 calculators. What is more, these calculators allow you to change and work with some variables that may have an impact to your 401k retirement plan.

Manual calculation of investment returns can become very difficult for an individual. 401k calculators provide a quicker computation of investment returns compared to manually doing it yourself or hiring an accountant to do it for you. Using 401k calculators truly helps a person organize his savings and ensures that he will have the life he has dreamed of when he retires.

Of course, if you really want to be prepared for the future, you should see what Empower Network is all about and just get in.  You’ll be glad you did.


Step_Group_Fitness_ClassIf aerobics is suitable for you and the lifestyle you lead, then you can benefit more by enrolling in aerobics classes. This is ideal especially when you do not know how else can you best start. Take note of the different types of aerobics classes; this means it is also vital that you know everything about these.

Enrolling in Aerobics Classes

Before enrolling in aerobics classes, find out first the fitness qualifications of the aerobics instructor; check the credentials and certifications regarding the teaching capabilities. The exercises that you are going to learn range from the warm-up techniques to post-cardio. Almost all aerobics classes include typical aerobics moves like hops, jumping jacks, traveling kicks, and jogging.

The fact that there are many choices, can only mean that you are enrolling in aerobics classes you can have fun and interested in. The choices include low impact, high impact, step, dance and water aerobics.

Additionally, being part of aerobics classes means that you know the proper techniques of exercising wherein you can expect positive results. It is undeniable that joining aerobics classes offer fun and a social life with and among other aerobics fanatics. The reason why aerobics is unique is the accompaniment of music while individuals perform very active routines.

Final Thoughts on Enrolling in Aerobics Classes

Indeed leveling up anyone’s fitness and health can be anchored on aerobics. Furthermore, you can expect excitement and fun when you enroll in aerobics classes.”"”  Stay healthy in a fun way”  is a perfect slogan for aerobics. This connotes that it is not logical to suffer in pain and boredom when there are pleasurable ways of attaining ideal weight and health. This era consists of people who are educated about the value of health and the role of exercises in being healthy. It is just too bad when the exercise regime selected is is not to one’s taste. Joining an aerobics class can usher fun and pleasure as camaraderie becomes an integral part of the exercise. The bonus comes in gaining new acquaintances and friends which makes each aerobic day a fun day.

Samsung UN32EH4003 Review


Samsung UN32EH4003 Review

Samsung UN32EH4003 Review

If you’re in the market for a great 32-inch LED HDTV, look no further than the Samsung UN32EH4003.

Here’s a Samsung UN32EH4003 Review from a VERY satisfied customer:

This is a really sweet Samsung HDTV for the price.

I remember reading that there is no noticeable difference between a 1080P vs. 720P with HDTV’s under 40″. I found this to be true with a 32″ HDTV. It honestly looks like a 1080P HDTV. So save your money unless you want a SMART 32″ HDTV.

I always grew up being a Sony fan. But Samsung has the best picture quality on the market today. You can see that when you checkout the displays at the stores. Was first considering a Vizio, but they are hit and miss with the user reviews. To me it was worth paying an extra $60 for a Samsung that gets much more consistent good user reviews.

The blacks are a deep black and the colors are truly brilliant. The sound is very good on it. No need to hook-up external speakers to it. Love the thin bezel on it as well. I use this 32″ for my medium size bedroom. Bigger is better, but anything bigger than this would be overwhelming.

I would recommend doing what I did and go with SquareTrade on the warranty. They advertize a 3 year parts and labor warranty for $33. Make sure you call them instead of doing it online. When I called the Rep he offered me a 4 year warranty for $3 more. You can’t beat a $36 4 year warranty. And SquareTrade has great user reviews.

With LED technology, the energy-efficient, Samsung Series 4 TV produces a brilliant, clear picture. The Dolby Digital Plus/Dolby Pulse is an advanced surround sound feature that optimizes the TV’s audio from connected devices. The Wide Color Enhancer Plus features lets you see picture with vibrant, natural-looking images.


Here’s another review.  It’s a long one, but very detailed!

So I took the plunge and finally upgraded my bedroom TV to a Flat Panel Samsung LED 720p 32″ (Model UN32EH4003). I bought it during the Black Friday time frame directly from Amazon for $247.99 (Free Shipping, 14-Day Price Guarantee). I went in knowing that I was buying the cheapest 32″ Samsung Flat Panel that you could buy and knew that I wasn’t getting every bell and whistle, which is fine with me. My goal for this TV is to use it as a bedroom TV with a Verizon FIOS cable box and a media player (Ethernet connected, not WiFi) and watch it from about 8 feet away. No gaming, minimal DVD, etc. That’s basically it.

Just for some background, I’m upgrading from an old 20″ Generic Tube TV in the bedroom. I do have an HDTV in the living room, but it is also a Tube TV. There I have a 34″ Sony widescreen Tube TV that I bought about 7 years ago that was basically the biggest widescreen Tube TV made that I know of. Back then a Tube TV picture was much better and cheaper than Flat Panel.

First Impression – This TV looks nice. Clean front. It is extremely light. The base feels sturdy and big enough to support the TV without risk of falling over. It was simple to put together with 8 screws in the base.

Setup – It has 2 HDMI’s and then some regular RCA and Component hookups. My setup consists of Verizon FIOS Cable Box and a WD Live TV Media Player (to be replaced by a Boxee Box within the week, but that’s another story). Plugged the Cable Box and the Media Player into each HDMI port using new Amazon Basics HDMI cables. The TV on-screen setup was easy enough to figure out without pulling out the instruction manual. Everything came up perfectly the first time with just a press of the Source button.

Picture Quality – I tested the TV out with several different types of media and sources.
1) First with SD Cable. A little blocky up close, which may just be the source, but from a normal viewing distance, I the quality was just fine. The kids’ cartoons were fine.
2) Second with HD Cable. This picture seemed really nice. Didn’t see any kind of distortion. Seemed nearly as good as the HD Tube TV that I have downstairs from an 8 foot viewing distance. I was happy with what I saw.
3) Third with a normal 720p Video file via the Media Player. Picture was really nice in this case also. Everything seemed crisp. Very happy.
4) Finally with a fast motion 1080p Video file via the Media Player. This is where I expected the worst, but to my surprise, the fast motion scenes seemed fine also. I only tested a couple of files, so we’ll see if other scenes have a problem, but so far so good.

Overall I was very happy with the picture quality. The colors on the default setting were pretty terrible, so I tried “brilliant” which was too yellow, and finally settled on “movie” which was pretty much perfect in all instances. The “movie” setting was much brighter than the default, but not too crazy. Looked pretty natural.

Viewing Angles – Side viewing angles seemed really good. This was one of my pet peeves and most of my reluctance to move to a flat panel TV in the first place. Many flat panel TV’s look terrible when you aren’t watching it straight on. This TV seems to have much better side viewing than many of the competing TV’s out there.

Screen – The screen edges do have a few very faint white areas that I have noticed, but they are barely noticeable and only when the screen is completely black. I don’t notice it at all when there is any kind of picture on the screen. I probably only see it because I am looking for it after reading a few comments about backlight bleed. For me, it doesn’t seem like anything to worry about. I always buy SquareTrade warranties with all my electronics, so if the screen does have a problem, I will be set.

Sound Quality – This is where I had the most trouble. Granted, I’m upgrading from a old TV, but out of the box, the Samsung sounded very hollow and words were hard to understand. It seemed to be completely missing any low end, not talking about booming bass, just lower frequencies seemed to be missing. I tried every sound preset that they had and all were pretty bad. I finally gave up on the presets and used the included 5 band Equalizer which finally did the trick. Per request, I posted a picture of the settings in the customer images section of this item. [THIS SECTION HAS BEEN UPDATED BELOW: I basically maxed out the low and high frequencies and made a bell curve of the middle frequencies, raising the one that controlled voices until I has happy. This seemed to do the trick just fine and I am now happy with the sound.] Granted, if you are expecting a booming surround sound feel, you’re shopping for the wrong TV, but for what I think this TV is meant for, it sounds just fine.

Bells, Whistles and Other Stuff – I haven’t toyed with this TV too much yet. There are lots of menu settings to go through. The power button on the bottom of the TV seems pretty cool. It is like a combined button/joystick that pulls up a menu when pressed that you can use the button to move through, or just turn off the TV. I won’t use it much since the Cable Box remote will do most of the work, but it is a nice to have since the actual TV remote will probably sit in a drawer once everything is set up. It does have a USB port that is supposed to play pretty much any type of media format. If this works well, it is a great feature. For me, I plan on continuing to use a dedicated Media Player, so I probably won’t use this much, but for anyone else, it would save you $100 on having to buy a media player if you have a use for it.

I’ve only had this TV for one day, but this is what I think so far for a pro/con list.

1) Great price ($247.99 at the time I purchased it, put a camelcamelcamel price alert on it for when the price drops again).
2) Great picture quality, especially for the price.
3) Very good side viewing angles.
4) Easy setup and connection to Cable Box and Media Player.
5) Enough picture and sound settings to get the quality you want for your individual preference.
6) Fast motion scenes seem ok so far.
7) Energy Star cost of $6-$12 per year to operate. That just sounds crazy, but I’ll take it.

1) Sound presets are terrible, but can be adjusted manually.
2) Concern about possible backlight bleed, but covering myself with an inexpensive SquareTrade warranty.

In conclusion, I’m giving this TV a 5 Star Rating based on how great it is for it’s low price. I’ve only had this TV for one day, but I love it so far. I will continue to update this review as I use the TV more and learn more about it.


ONE MONTH UPDATE (12/26/2012):
So I’ve had this TV for about a month now, and I still love it. I am very happy with the video performance and I have continued to refine the audio settings. The picture is great. The viewing angles are great. I haven’t had a single instance of any kind of motion blur from any fast motion scenes yet. No change in the very minor backlight bleed which I still think is no big deal. Its working great with the Verizon FIOS HD DVR and the HD Media Player (now upgraded to a Boxee Box).

The one negative regarding this TV is the sound. I posted a customer image and talked about my manual Equalizer settings in my original review. Since then, I had found that those setting were still not quite right. During many scenes, the background music seemed to overpower everything and voices were becoming impossible to understand in many instances. I kept tinkering with the Equalizer and finally settled on updated settings. It seems that the 300Hz setting was the one that was controlling most of the background music, so I dropped it way down and words became much clearer. I have now been using these updated Equalizer settings for a couple of weeks now without messing with them, so that tells me that they sound pretty good to my ears. Again, for the low price of this TV, I’m not expecting the best sound, so it hasn’t had any impact to my 5 Star Rating now that I have fine tuned the settings. Attached is a link to the customer image of my updated Equalizer settings in case you want to try them.

Long story short, I still highly recommend this TV for the price. It seems to hover around the $250-$300 mark and it is a great deal at that price point.


Clear Motion Rate 60

Clear Motion Rate (CMR) was developed to accurately measure how well a LCD or LED TV can depict fast-moving images. LED TVs with a CMR of 60-120 can display action-packed movement with sharp detail and vivid contrast while eliminating image distortion.

Wide Color Enhancer Plus

Wide Color Enhancer Plus allows you to witness the entire RGB spectrum brought to life on your screen to bring you exceptionally vibrant, yet natural-looking images faithful to the director’s original intent.

ConnectShare Movie

ConnectShare Movie lets you watch videos, play music, or view photos from a USB connection without needing to use a PC or special equipment. Simply plug your USB device or drive directly into your Samsung TV’s USB port and watch on the big screen with friends and family.

Gateway NE56R34u 15.6-Inch Laptop Review


Gateway NE56R34u Review

Gateway NE56R34u Review

I’ve collected a few reviews of this new laptop from Gateway from around the web to give you some perspectives before you buy.  Of course, if you’re ready to buy it now, you can just click this link now to purchase the Gateway NE56R34u.

Here’s the first Gateway NE56R34u review:

So I decided I would do a review on here even though I didn’t purchase this product from Amazon.

I bought this computer from Fry’s Electronics today for significantly less than advertised on Amazon or anywhere else for that matter. I picked it up for $315.00 USD with tax, so it seems like I got a really good deal.

I’m very impressed with the overall feel and use of the computer, 4 Gigs of ram is a huge plus. The 500 GB drive is great for all the music and video storage needs of today.

Seems like it has good battery life so far, not so sure about the 4.5 hours as advertised, I would say it’s more along the lines of 3.5 but it all depends on what you do with your computer. Still, I can’t complain! The only downside is that it’s a Windows 8 machine and windows 8 is designed for touch screen, which this computer does not have. Also, this computer does not include a windows or system restore cd, so if your computer crashes then you better have access to a windows cd or you’re in trouble.

I would say shop around for the best price because they seem to vary from store to store.

The only downside is Windows 8….. I am not a fan so far of the Windows 8 system, it seems to be geared towards social media and not so much a easy to use operating system. If you have the patience to fight with the operating system changes and basically re-learn how to use windows then this is for you.

Here’s another one from a very enthusiastic customer:

I consider myself a knowledgeable person when it comes to computers and I did my homework on this one. I was looking for a PC with the new i3 processor for its multi processing capabilities but the B960 process incorporated in this laptop is the equivalent in overall performance. I am quite happy with the speed and with Windows 8. I was not so sure that I was going to be able to adapt to the new interface of Windows, but I really like it. I do plan on upgrading this PC to a max of 8gig ram to help with the processing power as I use the PC for Pro Tools, which is a pretty demanding piece of software. So far it handles the software pretty well. I am hoping that by upgrading the RAM some of the smaller glitches will go away.

I would definitely recommend this PC to anyone.

Just in case you needed another Gateway NE56R34u review, here ya go!

I was looking for an affordable, reasonably fast, easy to use PC for my wife. I found the Gateway NE56R34u 15.6″ laptop at a great price at amazon.com. As usual with amazon.com, delivery was quick. The PC worked right out of the box, which is always a good sign. The 15.6″ screen is perfect, and the performance is just right. It came with Windows 8, which takes a little getting used to. There is no user manual, but there is a cheat sheet that comes with the unit. It is very helpful, but not needed once you get the hang of the Windows 8 user interface. I highly recommend this PC to anyone looking for a moderately priced unit that does the job.

Gateway NE56R34u Review – The Specs

The Gateway® NE Series Notebook exists to fulfill one goal: To be just what you need. This any day, everywhere laptop is simple to use, letting you focus on your tasks at hand. And it delivers the time-tested technologies you desire even as it offers the kind of efficiencies you love. The Gateway® NE Series Notebook: It’s just what you need…

Key Features

  • 15.6″ HD Widescreen Ultrabright™ LED-backlit Display:(1366 x 768 resolution, 16:9 aspect ratio)
  • Intel® Pentium® Processor B960(2.2GHz, 2MB L3 Cache)
  • Windows 8
  • 500GB Hard Drive
  • 4GB DDR3 Memory
  • Intel® HD Graphics with 128MB of dedicated system memory
  • 802.11b/g/n Wi-Fi CERTIFIED™
  • Built-in 1.3 Megapixel HD Webcam
  • 8X DVD-Super Multi Double-Layer Drive
  • High-Definition Audio Support
  • Two built-in stereo speakers
  • 3- USB 2.0 Ports
  • 1- HDMI™ Port with HDCP suport
  • Gateway Social Networks Key
  • Multi-Gesture Touchpad
  • Dedicated Numeric Keypad
  • 6-cell Li-ion Battery
  • 5.5 lbs.| 2.5 kg(system unit only)

Read more laptop reviews


Inside this post I teach you step-by-step…Justin Verrengia

…exactly how Justin Verrengia generated $101,129 in 100% Commissions

…using social network marketing strategies so easy…

…a 15 year old can do it.

First and foremost I must show you social proof so you believe me…

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It’s to show you that what Justin is doing (along with so many others) produces solid results…  bottom line.

$101,129 in 100% commissions… the majority of which was made in the last 90 days.

My Empower Network Income

My Empower Network Income 2

Here is a picture of Justin and his wife on stage collecting a phat check for $63,878

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Imagine for a few minutes… what it would feel like…

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David Wood stated today…

I’m actually excited, because of the sheer increase in the amount people have earned, and I don’t even have the totals yet – I believe (remember:  I ain’t a prophet, and this ain’t a guarantee) ANYWAYS – I believe that we’ll have 10-15 people in Empower Network earn $100,000 this month…

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Justin experienced a 400% increase in income 30 days later.

Last year (2011) he made about $38,000.

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This month many of our affiliates monthly incomes will become their weekly incomes.

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Everyone in this hangout below makes over $30,000 a month online.

In it we teach you our ‘Secrets To Success’…

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Extremely Powerful, but Hardly Ever Shared [LIVE Hangout Recording]

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I’ll see you on the other side,

Mike Paul

“The Commission Doctor”

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