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.
Pruning is also a good method for training a plant to grow in a certain direction or shape. Although bushes and shrubs can be cut back at almost any time during the year, there are better and worse times recommended for pruning.