Business / Taxes / Vesting: If you are part of an employer pension plan or participate in an employer sponsored retirement plan, such as a 401(k), you become fully vested — or entitled to the contributions your employer has made to the plan, including matching and discretionary contributions — after a certain period of service with the employer. Qualified plans must use one of the standards set by the federal government to determine that period. If you become entitled to full benefits gradually over several years, the process is called graded vesting. But if you have a right only when the full waiting period is up, the process is called cliff vesting. If you leave your job before becoming fully vested, you forfeit all or part of your employer-paid benefits. However, you are always entitled to all the contributions you make to retirement plan yourself through salary reduction or additional payments.

Momentum Investing

Business / Taxes / Momentum Investing: A momentum investor focuses on stocks that are rising in value on increasing daily volume, and avoids stocks that are falling in price or that are perceived to be undervalued. The logic is that when a MORE

Email Harvesting

Technology / Email / Email Harvesting: An automated process in which a robot program searches Web pages or other Internet destinations for email addresses. The program collects the address into a database, which frequently gets resold to s MORE

Bottom-Up Investing

Business / Taxes / Bottom-Up Investing: When you use a bottom-up investing strategy, you focus on the potential of individual stocks, bonds, and other investments. Using this approach, for example, means you pay less attention to the econom MORE