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As our prior example indicates, investors who have access to both 401(k)s and brokerage accounts are probably better o using the 401(k) to invest in xedincome securities The reason, again, is that equities have become more tax e cient than bonds And it would be a waste to use that tax e ciency inside a tax-sheltered account So if you have access to stocks through your brokerage as well as your 401(k), it s better to use the brokerage account to invest in stocks and the 401(k) to invest in bonds Of course, for some investors the 401(k) represents the sum total of their investment portfolio In that case, there s really nothing wrong with using the 401(k) to invest in stocks and bonds But if you have some exibility, you d probably want to use the 401(k) to invest more in growth stock funds than value stock funds Why Because value stock funds tend to invest in more dividend-paying stocks And as we discussed, dividends already receive bene cial tax treatment Why would you want to put dividends, which are taxed at 15 percent, inside a 401(k) where withdrawals will eventually be taxed as ordinary income and will be assessed at much higher rates On the other hand, growth stock funds tend to have more turnover than value funds Indeed, according to Morningstar, the typical growth stock fund s turnover rate is around 120 percent, versus approximately 70 percent for value funds This means that growth funds tend to be less tax e cient



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To gain a firm understanding of value change listeners, it will be useful to work through two examples Both examples are based on the Zip code scenario mentioned earlier in the chapter in which City and State fields are automatically filled in after the user provides a value in the Zip Code input field and then tabs out of the Zip Code field As explained, this mechanism lets the user avoid entering the city and state manually The first example shows how to implement the basic, auto-fill functionality by using a value change event and listener This example also shows how to avoid triggering a validation error by using the immediate attribute The second example expands on the first by showing how to conditionally render a portion of the UI also by using a value change listener where a UI component s rendered property is toggled when a checkbox is clicked





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For this first example, consider a form with the following input fields: Name, Zip Code, City, and State, like the one shown in Figure 8-4 The desire is to allow the user to enter a Zip code and have the City and State fields automatically filled in with the matching city and state, as shown in Figure 8-5 Building this example requires the processing of a value change event that is associated with the Zip Code input field The event is triggered when the user enters or changes a value, then tabs out of the field For this example we ll use the default value change listener along with a value change listener method The initial source code for the JSP page autozipjsp with the four fields is as follows:

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So, now you understand the principle behind parallax and close-up photography Let s apply this so you can see how to take a close-up photo Look through your camera s optical viewfinder Hopefully, you can see some correction marks If the lens is located to the right of the optical viewfinder (as it is in most cameras), you should see correction marks on the left side of the viewfinder Why is that Well, these marks represent the left edge of the photo when shooting at close distances Since the lens is off to the right of the viewfinder, you will need to point the camera slightly to the left in order to take the picture you desire In actual operation, just recompose the scene so the correction marks help frame the left edge of your picture You might have correction marks at the top or bottom of the viewfinder as well If the lens is below the optical viewfinder (as it often is), correction marks at the top of the frame show you how to reorient the camera slightly higher than you would otherwise If all this is just a little confusing, take a look at Figure 5-4 Here, you can see how I have oriented my camera to use the correction marks at close distance Correction marks are a guide to help you frame macro photographs But there are some very important things to remember about correction marks:

<%@ taglib uri="http://javasuncom/jsf/core" prefix="f"%> <%@ taglib uri="http://javasuncom/jsf/html" prefix="h"%> <f:view> <html> <body> <h2>Address Form</h2> <h:form> <h:panelGrid columns="2"> <h:outputLabel value="Name:"/> <h:inputText id="inputname" binding="#{autozip_backinginputName}"/> <h:outputLabel value="Zip Code:"/> <h:inputText id="inputzip" binding="#{autozip_backinginputZip}"/> <h:outputLabel value="City:" /> <h:inputText id="inputcity" binding="#{autozip_backinginputCity}"/> <h:outputLabel value="State:"/> <h:inputText id="inputstate" binding="#{autozip_backinginputState}"/> <h:commandButton value="Submit"/> </h:panelGrid> </h:form> </body> </html> </f:view>

8:

Since you want to put high-tax investments inside tax shelters, growth stock funds may be a better bet for your 401(k)

Part I:

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