Archive for August, 2008

About SEP IRA Retirement Plans

Sunday, August 31st, 2008

Checked into the benefits package at my new job today, and it looks like they focus on
SEP IRA Retirement Plans for retirement, instead of the standard 401k plan. Looks like I have some reading to do. I had never even heard about these before today.
I’ve been coming the net for info on Sar Sep Accounts, but it’s been slow. This stuff just makes my eyes glaze over.
I’m hoping I’ll be able to set things up once and be done with it. Use dollar-cost averaging to smooth things out over time.
Your comments are welcome as always.

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Thoughts On SEP IRA Retirement Plans

Sunday, August 31st, 2008

So the new job offers employees
SEP IRA Retirement Plans for retirement. I have no idea how they work. They look a bit more flexible than 401ks at first glance, but I don’t know for sure.
I’ve been poking around the net checking out info on 5305 Sep Forms, but it’s complicated. It’s just not he sort of thing I like to spend my time thinking about. But of course it has to be done.
Hopefully it won’t have to be an ongoing thing - I can just set things up and forget about it. I hate managing this stuff.
I’m sure I’ll have more to say about this down the line.

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A Look At Green Investing

Friday, August 29th, 2008

I think the time has passed when focusing on
Green Investing meant achieving sup-par results. I see green investments as the next big boom, and now is a great time to get in.
I’m especially excited about the potential of Socially Responsible Mutual Funds. Green enterprise and eco-friendly business practices are absolutely essential to our future.
I already vote with my wallet by paying attention to the products I buy, and cutting down on waste. It’s time to vote with my portfolio as well.
Watch this space.

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Learning About No Co-Signer Student Loans

Thursday, August 28th, 2008

So lately I’ve been wondering about No Co-Signer Student Loans.
I can’t bear the notion of asking my mom to co-sign on my loans. I want to handle it myself.
I’ve been researching Student Loans For Adults With Poor Credit online, but the process is intimidating.
I can’t even imagine ever paying off that much debt, but there’s not much choice for me.
I’ll be looking forward to your comments.

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The Best Laid Plans

Thursday, August 28th, 2008

Anyone opening a 529 accounts for college savings should know that there are two different versions of these plans.  If you choose to select the option of getting a prepaid plan, then you can pay in advance for either all or some of the cost of getting schooling in your state, and they may perhaps be able to serve out-of-state institutions as well, plus private colleges and universities.  Choosing a savings plan means that the account holder places money into an account which will be invested in mutual funds, etc.  This plan has the look of retirement accounts and the like.  If you’re opening an account with a school of choice, it can only be prepaid, outside of the Independent 529 (a private college plan).

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Stupid - Bad Credit Rating Repair

Monday, August 25th, 2008

Would it be a dream to believe that we all could on day collectively come together in a mass effort to right all of our credit wrongs. No more worries about late charges, no more bad credit rating repair needed, no more worries about over extending your self financially. I have often said that we as humans seldom learn lessons the easy way. I would absolutely love it if we could learn without the hard part. Youth also plays a role in learning lessons. when your young you are typically stupid, only you don’t know that. It normally takes about 20 years and a truck load of hard lessons learned to figure out that you were not as smart as you thought.

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How To Terminate A Simple IRA?

Wednesday, August 20th, 2008

Simple IRA can only be terminated prospectively, beginning no earlier than the next calendar year and contributions must continue till then. To terminate a Simple IRA, the financial agency that has been handling the plan and your employer must be notified in advance.

This simple ira plan is less complex and easier to operate and will certainly prove to be a better bet, than any of the other IRA plans for eligible employees.

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Want to Know More About 401k Tpa?

Wednesday, August 20th, 2008

Have you been wondering where to find a great website with info about 401k tpa, 401k contribution limits, or 401k state tax? Then you are going to be very pleased you found this article. And seriously, I’m not kidding. You’ll soon realize this is some great info about 401k tpa. It’s called BestIRAAccounts.com. And, here is what is so fantastic… You can read about 401k tpa AND the entire fascinating topic of ira accounts. Now, just select this little link: 401k tpa or this one: ira accounts and you’ll learn far more about this topic.

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Student Debt: 21st Century Plague

Monday, August 18th, 2008

The cost of college has skyrocketed in recent years.  Students are facing increasing difficulty in drawing up a good plan for how to repay loans they make take out.  The biggest problem is that kids fresh out of high school often don’t understand the enormity of going tens of thousands in student debt.  Lending companies, interested in making money, gloss over the concept of debt so that it sounds so simple to pay back the loan when it could prove most challenging.  The best thing to do is sit down and research the profession you’re interested in.  How much does it pay for entry-level openings?  How about room for advancement?  Will you be able to afford the monthly payments along with any other debt you may already be in?  Students who plan ahead now will protect themselves later. 

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Our Past - Rare Coins

Monday, August 18th, 2008

In looking at our nation’s currency, I am amazed at the amount of money we have had in our past. In my 38 years, I have yet to see a new form of currency introduced nor an old one retired. In looking at our past we have had such rare coins as the half penny, the two cent coin, the three cent coin, the $10 coin, the $20 coin and so on. One other thing I have noticed is just how much some of these rare coins are worth. Hundreds and up to multiple thousands of dollars are the dollar amount assigned to coins of this nature.

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