LGBT Investors Express Confidence About Retirement Goals ...

SAN FRANCISCO, May 30, 2012 (BUSINESS WIRE) ?
Investors are faced with complex challenges when it comes to retirement,
including: how to save enough to feel comfortable, where to invest
retirement savings, understanding and creating retirement income
options, and when and where to retire. LGBT investors (lesbian, gay,
bisexual, and transgender) face these same challenges as well as several
unique ones, including those stemming from a lack of federal marriage
and inheritance rights.

Yet in a recent nationwide Wells Fargo retirement survey, LGBT
non-retirees reported a higher level of confidence in their retirement
savings, compared to the general population. In the survey, 61% of LGBT
non-retirees felt confident they would have enough saved by the time
they retire to live the lifestyle they want throughout their retirement,
significantly higher than 53% cited by the general population. Despite
this confidence, over a third (36%) of LGBT non-retirees expect they
will need to work during retirement in order to afford their lifestyle
(only slightly lower than the 41% of the general population).

The Accredited Domestic Partnership Advisor (ADPA) program was created,
through a partnership with the College for Financial Planning, to
educate advisors about the unique needs and financial considerations of
domestic partners. Financial advisors who earn this designation are
well-equipped to work with domestic partners and lesbian, gay, bisexual,
and transgender (LGBT) clients to develop a thoughtful approach to
meeting their financial goals. Wells Fargo was the first in the industry
to create this program and today has more than 100 ADPA-certified
financial advisors nationwide.

Approximately one in ten LGBT respondents have heard of ADPAs ?
financial advisors with training in financial and retirement planning
specifically for LGBT domestic partners. Upon hearing a description of
ADPA advisor training and designation, most gay men (60%) and lesbians
(72%) say these credentials are important to them when working with a
financial advisor.

?Each investor has different priorities, needs, and life goals, and
domestic partners and same-sex couples often have added concerns and
questions about their unique financial situation,? said Kyle Young,
Financial Advisor and Vice-President, Investment Officer for Wells Fargo
Advisors. ?It?s especially important for LGBT investors to find
financial advisors who are acutely aware of the challenges, laws, and
regulations that impact their investment planning needs. This additional
knowledge affords clients encouragement in knowing that their needs will
be heard, understood, and thoughtfully explored.?

The median amount LGBT non-retirees have saved for retirement is only
17% of what they believe they actually need. LGBT non-retirees believe
they will need to save at least $900,000 in order to retire, and have
saved on average about $150,000. And despite this need to save more for
retirement, three out of five (62%) of non-retired LGBT?s surveyed have
not increased their retirement savings allocation in the past year.

More than half (54%) of all LGBT respondents cite being recognized as
equal citizens by society and the law as the most important reason for
legalizing gay marriage. One in five (19%) say that having legal rights
and medical decision-making on behalf of one?s partner is most
important. Only 7% said legalizing gay marriage was not important to
them.

LGBT respondents overwhelmingly reported they would find value in
information and advice on investing and preparing for retirement.
Additionally, only about a quarter of the LGBT respondents currently had
a detailed written plan for their finances in retirement.

About the Survey

On behalf of Wells Fargo Retirement, Richard Day Research conducted an
online survey between December 2nd and December 18, 2011 among adults
ages 25-75 who identified themselves as lesbian, gay, bisexual, or
transgender (LGBT, n=505). Comparisons were made to a similar national
online sample of n=1,190.

About Wells Fargo Wealth, Brokerage and Retirement

Wells Fargo Wealth, Brokerage and Retirement (WBR) is one of the largest
wealth managers in the U.S., with $1.4 trillion in client assets. WBR
includes Wells Fargo Advisors, the third-largest brokerage in the U.S.;
Wells Fargo Private Bank, serving high-net-worth individuals and
families; Abbot Downing, serving ultra-high-net-worth families; and
Wells Fargo Retirement, which manages $257 billion in 401(k) assets for
3.6 million Americans. Wells Fargo Advisors is the trade name used by
two separate registered broker-dealers: Wells Fargo Advisors, LLC and
Wells Fargo Advisors Financial Network, LLC, Members SIPC, non-bank
affiliates of Wells Fargo Company

About Wells Fargo

Wells Fargo Company

/quotes/zigman/239557/quotes/nls/wfc WFC
-1.49%



is a nationwide, diversified,
community-based financial services company with $1.3 trillion in assets.
Founded in 1852 and headquartered in San Francisco, Wells Fargo provides
banking, insurance, investments, mortgage, and consumer and commercial
finance through more than 9,000 stores, 12,000 ATMs, the Internet
(wellsfargo.com), and other distribution channels across North America
and internationally. With more than 270,000 team members, Wells Fargo
serves one in three households in America. Wells Fargo Company was
ranked No. 23 on Fortune?s 2011 rankings of America?s largest
corporations. Wells Fargo?s vision is to satisfy all our customers?
financial needs and help them succeed financially.

About Richard Day Research (a Market Probe company)

Richard Day Research is a full-service market research firm, located in
Evanston, Ill., specializing in behavioral and opinion research among
hard-to-reach populations and professional communities. For more
information, visit rdresearch.com.

CAR #0512-0328

Investment and Insurance Products:  - NOT FDIC Insured  - NO Bank Guarantee  - MAY Lose Value

Wells Fargo Advisors is the trade name used by two separate registered
broker-dealers: Wells Fargo Advisors, LLC and Wells Fargo Advisors
Financial Network, LLC, Members SIPC, non-bank affiliates of Wells Fargo
Company.

SOURCE: Wells Fargo Company

Wells Fargo         Matt Hurwitz, 415-396-6964         Matthew.s.hurwitz@wellsfargo.com         Sarah Tonigan, 505-818-7480         Sarah.h.tonigan@wellsfargo.com

Copyright Business Wire 2012

/quotes/zigman/239557/quotes/nls/wfc


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Red Hat Appoints Arun Oberoi as Executive Vice ... - My Company ...

DUBAI, United Arab Emirates ? May 29, 2012? Red Hat, Inc. (NYSE: RHT), the world?s leading provider of open source solutions, today announced the appointment of enterprise software industry veteran Arun Oberoi as executive vice president of global sales and services. Oberoi brings strong go-to-market executive experience ? including global leadership roles with HP and IBM ? to Red Hat, where he will further develop the company?s sales and services strategy.

?As Red Hat continues to make strategic investments in our business and move into new markets, having seamless integration between sales and services and our technology vision is critical,? said Jim Whitehurst, president and CEO, Red Hat. ?With his outstanding track record of success and his global sales, services and management experience, I am very confident in Arun?s ability to help Red Hat capitalize on our opportunities as we meet our customers? evolving technology and business needs.?

Oberoi has led and repeatedly built rapidly-scaling businesses across a wide spectrum of companies ranging from start-ups and mid-sized companies to multi-billion dollar global organizations. Oberoi comes to Red Hat from Viridity Software, a data center infrastructure management start-up, where he served as president and CEO, doubling new customers every consecutive quarter in 2011, and seeing the company?s flagship product through its recent acquisition by Schneider Electric. Prior to Viridity, Oberoi was CEO of Aveksa, a leading access governance and management software start-up, where he led the company to fast growth and a financing round for further expansion.

In his earlier roles, Oberoi was responsible for leading worldwide sales, services and marketing organizations with a strong focus on cultivating partner ecosystems as a core element of customer value delivery and synergistic market reach. He was executive vice president of worldwide sales and services at Micromuse, a market-leading provider of network and service management solutions. Micromuse was acquired by IBM, where Oberoi led the integration and its continued fast growth and field expansion as vice president within IBM Tivoli.

Before that, Oberoi had an accomplished career at HP, where he held various executive leadership roles, including vice president and general manager of worldwide top 100 corporate accounts and industries, as well as vice president and general manager of worldwide sales and marketing for HP?s software business. As part of HP?s software business, he led the development of a dedicated worldwide sales and marketing organization for the portfolio, which included HP?s OpenView Management software, driving sales growth from initial stages to $1 billion in revenues.

Oberoi earned his Master of Business Administration from Northwestern University?s Kellogg School of Management. He also has a Master of Business Administration from Panjab University Business School in Chandigarh, India, and a Bachelor of Arts, with honors, from India?s Delhi University.

Colin Saldanha
PROCRE8 for Red Hat
Tel: +97150 6400762
Email: colin@procre8.biz

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Computer Games and Lincoln Macias's Website

You may be wondering why Lincoln Maciass name showed up once this post should certainly look into the amazing whole world of video games. Since this post advances, you will note the bond between video games with the exceptional web page. Computer games came a considerable ways. Starting up along with basic pixels and bytes, video games of today have got evolved into a creative art form web site engross and astound gamers coming from all above the planet.

Exactly what is the benefit of computer games? To the majority video gamers, computer games are a getaway from reality. This is a place exactly where they might possess a diverse way of life, a new personality as well as diverse personal and actual qualities. It can be one kind of catharsis in which people is capable of doing something they can not or usually are not able to do in the real world.

On-line computer games nowadays, also allow for lots of social networking. The appearance of MMORPG?s or Massively Multiplayer Role Playing video games paved how for accommodating game play in between people who have diverse backgrounds, individuality and figures. Thus, transformed the game playing expertise right into a digital neighborhood, where individuals need to go to other characters regarding tactics and their responsibilities as people in the team. This specific discussions often produce talks about much more personalized and realistic matters such as ?Exactly how was your mood in the workplace?? or ?My dad talked about to mow the garden yesterday for this reason I wasn?t online!?

Gamers nowadays have a quite a few options in relation to playing their videogames. There is a choice involving games consoles and Personal Computers to deal with their gambling needs. Units are getting to be the videogame machine usually chosen for many. Next technology consoles for example the Ps3 slim, Xbox 360 elite and Wii, consider the highlight from Personal Computer Gaming with the considerable catalogue of video games these kinds of units tend to be dishing out every day. Console games consist of hardcore games, to educational and in some cases party enjoyment game titles.

Many people although, have decided to remain with Computer games because according to all of them ?Hey, this is where games were developed in the first place!? In some degree, this is. Console games had been first created utilizing potent computer systems. Aside from that, the videogames developing for your computer system are graphically at par, if not superior, fot it of their system alternatives. The initial game play for sale by the computer mouse along with a computer keyboard is another big draw for devoted Pc players. But now, a different form of Pc gaming over the internet has had the attention time for laptop which is where Chris Stoddard?s website is available
in.

People these days signing in to social networking websites as well as in these sites, people can engage in mini games whoever benefits they are able to post via the internet to share with their pals. One such sport is Ravenwood Fair, present in Lincoln Maciass web page. This game, in addition to numerous others, have elected social networking internet sites more fulfilling and engaging than ever before. This kind of social networking enjoyment shows that computer games are evolving and are maturing all the time.

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Game Fire - Gaming Performance Boost on Windows

Game Fire - Gaming Performance Boost on Windows -Games like Battlefield 3, Crysis 2 and Skytrim desperately need video capabilities and computer system are high. How to solve our computer performance when you want to play cool games that is a trend now? Do we have to buy a new computer with high tech spec? Or to upgrade the RAM, VGA and motherboard on our old computer?

It seems that which we must do to follow pace of the game world, but what if it had not yet overcome our problems. Let's say our computers still lag while playing the game. To solve this problem you can use Game Fire.

Game Fire is software to boost the performance of the performance of windows, in other words to optimize Game Fire in the Windows system and help you when playing games with HD quality.

How does the performance of Game Fire? When you activate the?Game Fire, then Game Fire will overcome the performance of windows with a cover system that is not needed when we would play games, so the RAM usage will be reduced.

So if you want to have a fast computer while playing?

1. Game Fire Download:
http://www.smartpcutilities.com/gamefire.html
System Requirements:
- Microsoft(R) Windows(TM) Vista (32-bit and 64-bit) Starter/Home Basic/Home Premium/Business /Ultimate
- Microsoft(R) Windows(TM) 7 (32-bit and 64-bit) Starter/Home Basic/Home Premium/Professional/Ultimate
- Microsoft(R) Windows(TM) XP (32-bit and 64-bit) Home/Professional/Media Center
- Microsoft .NET Framework 4 Client Profile.
Hardware Requirements:
- 256 MB of RAM.
- 800 MHz processor or faster processor.
- 10 MB of free hard disk space.
2. After the download is complete, immediately install the Game Fire in the computer.

Game Fire is an open source software: you can redistribute it and/or modify it under the terms of the GNU General Public License.

You should know about Game Fire are:
You can turn on Game Mode when you want to play games and you can disable it to normal mode when not playing games.

At the time of first use Game Fire, you will be prompted to configure the performance of Game Fire.

Game Fire also provide a report every time turned on and off. The report contains a summary of the discontinued use of the application and activated. in addition, the report can also be formed into HTML format.

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Usage An Internet dating Log ? Make Your Website Component ...

To meet women A temperate mode to talk to a lady is to sway her to chase after you

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I know you you have definitely been targeting folks that are trying to find dating relationships on the web. You put in a great deal of money striving to advertise your web site in such a way that it is with the leading dating sites. It is regarded as a finest online dating sites when it has 1000s and lots of website visitors online. These might be folks trying to find entertainment or major folks that would like continued relationships. Building such relationships is not an easy activity. A really good start is essential because as you may have definitely know, there is more to a very good connection than simple passing tourist attraction having said that tough it might be at the beginning. In order to grab the attention of these folks, a formed dating blog site by having pieces or quotes which are leading them towards the ideal path. They would like to study a little something which mentions continued compatibility considering that it is an important factor to think about when selecting an individual that you appreciate a priceless dating relationships all together.

Forming a courting blog site is a magnificent strategy to you if you take place to have a website. It draws in a great deal of traffic towards your web site and makes things function with the leading dating sites. These leading sites have countless signed up associates but they provide a system for customized compatibility which saves you from searching with unacceptable dating profiles looking for your match. This makes things straightforward for for folks online dating services that have way in common to identify their matches effortlessly. The dating web site has fantastic and special characteristics which makes things stick out from all many other average dating sites. Your web site might suit the summary but it does not have definitely the called for traffic. Seek a courting blog site which gives assistance bothering dating relationships.

In your dating blog site you need to show that your web site is with the leading dating sites and it will do you a great deal of excellent if you notify the visitors that it is totally cost-free to sign up to. They might repudiate the demand to pay a visit to your web site merely because they had previous experience by having a courting web site which was worth them some bucks. Make sure that the sign up operation is clear and not complicated. If they identify it straightforward they will highly recommend to their buddies that might be looking dating relationships on the web. Make sure you web site keeps on improving every day. If no improvement is monitored, folks will get utilized to your web site and leave for greener fields. Promote the associates to continue altering their pics with the pieces in the blog site or with any way feasible. Make things feasible for them to incorporate up to around 10 pics in their profile.

Your dating web site might be the most significant and yet not with the leading dating sites. Your dating blog site might be similarly substantial but still it is not dating sites online gathering sufficient traffic. You need to be able to put yourself in the shoes of the visitor and watch whether you would definitely fall into dating relationships under those facilities. Function a partnership expert that your website visitors can be asking connection questions and having practical solutions. It will be a fantastic spot for folks that are presently in relationships in addition to folks that are trying to find charming singles.

Technorati Tags: dating, dating services, dating sites, dating tips, dating websites, online dating

Tags: dating, dating services, dating sites, dating tips, dating websites, online dating

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London's Graff Diamonds puts Hong Kong IPO on hold

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[title]cabo - The Top Ten Reasons To Visit Cabo San Lucas, Mexico

By: justin j Price

Cabo San Lucas has become among the top vacation resorts in the globe! For the upcoming holiday, come to Cabo San Lucas and learn why this Mexican destination is so popular. Cabo is a favorite with all the rich and distinguished due to its deluxe accommodations and close proximity to the United States. Cabo is merely a brief flight away! Plan the upcoming holiday to Cabo and you'll enjoy a vacation of a life time. There are numerous choices for your holiday accommodations from top class resorts to private deluxe villas. There is anything for everyone in every price range and expense plan.
Here are the best factors to plan your Cabo Vacation now!
1)Cabo's Land's End and the well-known Arch - Cabo San Lucas is situated at the bottom of the Baja Peninsula which ends at the well-known arch. An amazing rock formation that has become a landmark that can be seen in pictures all over the world.
2)Luxury Villas, Resorts & Hotels - From first class Cabo San Lucas Resorts to private luxury villas, Cabo has luxury accommodations for every taste or budget. There are many Cabo San Lucas Vacation Rentals to choose from.
3)Cabo San Lucas Weather - Cabo is acknowledged for almost 350 Sunny days a year! We are virtually guaranteed the most perfect vacation weather in Cabo San Lucas.
4)Miles of Pristine Beaches - Cabo has miles of amazing beaches. People watch all the action at Medano Beach or isolation from it all at among the several secluded beaches.
5)Migrating Whales (on season Dec 15-April 15) - See nature at it's finest with all the migrating whales. Mother whales swim with their babys creating a great sight.
6)Action packed escapades - Cabo provides an range of exhilarating activities. From swimming with dolphins, parasailing, ATV tours, ziplining, Cabo has it all.
7)Outstanding Cuisine and Dining - Cabo is known for an abundance of top notch restaurants. From traditional Mexican to Thai and Italian, foods of all types could be found all over Cabo.
8)World Class Cabo Golf Courses - Cabo is well-known as one of the ideal golf destinations in the globe. Golf courses are made by well-known Jack Nicklaus, Tom Weiskop plus additional well-known golfers.
9)Unbeatable Cabo Deep Sea Fishing - Cabo is the marlin capital of the world. Even in the event you don't like fishing, a day out on the water complete with frolicking dolphins makes an memorable experience.
10)Mexican Service Culture - The laid back and friendly Mexican culture can keep us coming back to Cabo again and again.
Don't delay! Start planning your upcoming Cabo San Lucas Vacation today! There are numerous Cabo San Lucas Vacation Rentals to choose from. You will not be disappointed while you make out of Cabo one of your most memorable holidays ever.


About the Author:
Los cabos, Where is Los Cabos, Cabo, Cabo Restaurants, Cabo San Lucas Weather, Cabo San Lucas, Cabo San Lucas Activities, Things to do Cabo San Lucas

Article Originally Published On: http://www.articlesnatch.com


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