The value of the account will fluctuate due to the changes in the value of the investments. Examples of defined contribution plans include 401(k) plans, 403(b) plans, employee stock ownership plans, and profit-sharing plans. A Simplified Employee Pension Plan (SEP) is a relatively uncomplicated retirement savings vehicles.
Pruning is a horticultural practice that alters the form and growth of a plant. Based on aesthetics and science, pruning can also be considered preventive maintenance. Many problems may be prevented by pruning correctly during formative years for a tree or shrub.
Thinning is generally the least invigorating type of pruning cut and provides a more natural growth form of plants. Important in maintenance pruning, thinning cuts are used to shorten limbs, to improve light penetration into plants and to direct the growth of shoots or limbs. The two basic types of pruning cuts are heading and thinning. 2  Thinning cuts are the least invigorating type of cut and are the most effective pruning cut for maintaining woody plants in their natural form.