Planning for retirement is a complicated process. It isn’t as easy as burying money in Mason jars out in the back yard. And besides very few people really have the discipline to set aside money on their own without incentive and encouragement from their employers and financial planners.

Today’s workforce is very different than it was a generation ago. No longer are people staying with the same company for twenty, thirty or even forty years like their parents or grandparents may have done. Employees are much more mobile and likely to change jobs every few years to seek advancement and higher pay. Likewise, companies are not as loyal to their employees as they once were. With mergers and downsizing, employees are not the long-term valuable asset they once were.

With the advent of sophisticated data and communication technologies world has become global village. Export Import has become a very popular solution whether it is for global sourcing requirements or for retail business. Implementation of large scale economic reforms by developing countries has mooted a concept of free markets. This has opened out tremendous opportunities for Export Import activities. The developing countries are offering low cost attractions whether it is raw or finished material or finished good. Need for a Global Trade is well recognized all over the world.

Balance of Trade (Trade Deficit or Trade Surplus) is a very vital parameter in order to judge a country’s economic health. Most simply put, balance of trade means difference between monetary value of Exports and Imports in any country over a period of time. More Export and Less Import leads to Trade Surplus and reverse of this leads to Trade Deficit. Every country has its own natural resources. A country which is rich with natural resources tends to export surplus commodities and the other country which is deficient has to import the commodities. Thus Export and Import are relative words. Export for one country may be Import for another country and vice versa.