Investing, Stocks, Mutual Funds

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.

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.

I’ve been looking into internet savings accounts lately. I’ve had enough of big local banks. Lousy rates and high fees - why stick with them? It’s time for a change, so I’m going to try something new. Sometimes you have to remind yourself that you are lending your money to the bank with these accounts, and they ought to be paying you. It’s not like you get to charge the bank fees when they loan you money, after all. I’ve been checking out WTDirect.com. They’re a pretty good deal. Low fees, good rates, good access. And I can use any bank’s ATM. Frankly, I couldn’t care less about meeting a banker in person. I’d much rather do my banking online with a click or two than wait in line at the branch. You might want to look into the benefits of online banking yourself. Maybe your comments will help settle it.

So it appears that my company focuses on SEP IRA Plans as its primary retirement benefit setup. That means I have to get educated about how they work if I’m going to plan properly for my retirement.
In particular, I need to know more about Sep Ira Rules. There’s some decent stuff on the net about it, but it’s hard to stay focused on it. This stuff is just so dry and dull.
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.

I’ve been looking into
Structured Settlement Sales lately. The trouble with these deals is they almost always heavily favor the buyer.
Looking into Structured Settlement Quotes on the net, I’ve come up with more questions than answers. It’s tough to know what the best decision is.
It’s frustrating, but I’m going to have to make a decision one way or another at some point.
Let me know what you think about all this.

I’ve been looking into
Structured Settlement Sales lately. The trouble with these deals is they almost always heavily favor the buyer.
I’ve learned a bit about how to Purchase Structured Settlements online, but I’m no closer to a decision than I was before. It boils down to risk management - a smaller lump sum now, or the potential of a larger payout over time, with some risks of the payer going out of business in the meantime.

It’s frustrating, but I’m going to have to make a decision one way or another at some point.
Let me know what you think about all this.

Until just a few months ago if someone had asked me about offshore banking I would have thought it was something that was only carried out by extremely wealthy individuals who had a huge number of assets to protect, and also had a large amount of money which they needed to keep in offshore financial jurisdictions. However, after doing a little bit of research I found that having an offshore savings account was nothing particularly special, and is a type of account that can be opened by almost anyone as long as they fit certain criteria. It was fine for me to open an offshore savings account, and so I went ahead and did it with a bank in a well-known financial jurisdiction. I am really glad that I did the research and just wish I had done it sooner.

Learned today that my employer offers
SEP IRA Plans instead of 401ks. I know nothing about them. Time to do some research.
I’ve been poking around the net checking out info on Sep Retirement Plans, 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 checking into
International Banks online today. I think it’s past time to consider the options for getting out of the Dollar.
What with the Fed continuing to inflate the currency at a breakneck pace, it makes sense to be researching
a Bank For International Settlements.
The worst case is that the dollar recovers, and my other holdings bounce back.
Please comment and let me know what you think.

Bank of America stinks, just so you know. I’ve been using them for years just because they have ATMs all over town, but now I’m checking out online banking. There are much better deals to be had there. I mean with the rates most big banks pay you, you’re not even keeping up with the huge rate of inflation in this country. Not even close. You’re actually losing money in real terms. Not exactly the sort of reward you’d like to get for saving. I poked around the net, and settled on Wilmington Trust Direct as the best option out there. They pay great rates, and don’t charge those ridiculous fees. Who cares if the big banks have more ATMs when they will refund your ATM fees from any other Bank? Now I can use any ATM in town. More people should check out internet banks instead of big banks.