ISOs are eligible to receive more favorable tax treatment than any other type of employee stock purchase plan.

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Apple has an employee stock purchase plan which gives the employees a discounted price on the stock up to 15%.

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Neglecting to fund a retirement plan or forgoing an employee stock purchase plan could have catastrophic results in losses of hundreds of thousands of dollars and delaying retirement for many years.

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Compare them closely because something as innocuous as an employee stock purchase plan or unbiased financial education could actually contribute more to your wealth in the long run than a short term bump in pay.

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Mr. Thompson will be eligible to participate in the benefit programs generally available to senior executives of the Company, including health insurance, life and disability insurance, the Employee Stock Purchase Plan, 401(k) plan, and a Flexible Spending Plan.

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For example, Adobe Systems Inc. in San Jose posts its employee benefits online, including deductibles for medical and dental insurance, payroll deductions for optional coverage and details about its sabbatical programs, 401(k) plan, profit sharing and employee stock purchase plans.

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