Retirement planning

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Retirement planning, in a financial context, refers to the allocation of finances for retirement. ... The goal of retirement planning is to achieve financial independence, ...

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Retirement Planning: Introduction. Printer friendly version (PDF format) Retirement is one of the most important life events many of us will ever experience. ...

Retirement Planning Formal process of setting aside funds on a mathematical basis to provide deferred income benefits

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Here's a few reasons why those that voted for this bill need to go! Page 50/section 152: The bill will provide insurance to all non-U.S. residents, even if they are here illegally. ** Page 58 and 59: The government will have real-time access to an individual's bank account and will have the authority to make electronic fund transfers from those accounts. ** Page 65/section 164: The plan will be subsidized (by the government) for all union members, union retirees and for community organizations (such as the Association of Community Organizations for Reform Now - ACORN). ** Page 203/line 14-15: The tax imposed under this section will not be treated as a tax. (How could anybody in their right mind come up with that?) ** Page 241 and 253: Doctors will all be paid the same regardless of specialty, and the government will set all doctors' fees. ** Page 272. section 1145: Cancer hospital will ration care according to the patient's age. ** Page 317 and 321: The government will impose a prohibition on hospital expansion; however, communities may petition for an exception. ** Page 425, line 4-12: The government mandates advance-care planning consultations. Those on Social Security will be required to attend an "end-of-life planning" seminar every five years. (Death counceling.) ** Page 429, line 13-25: The government will specify which doctors can write an end-of-life order. HAD ENOUGH???? "Finally, it is specifically stated that this bill will not apply to members of Congress. Members of Congress are already exempt from the Social Security system, and have a well-funded private plan that covers their retirement needs. If they were on our Social Security plan, I believe they would find a very quick 'fix' to make the plan financially sound for their future." Verify here! http://docs.house.gov/edlabor/AAHCA-Bill…

Page 50/section 152: The bill will provide insurance to all non-U.S. residents, even if they are here illegally. ** Page 58 and 59: The government will have real-time access to an individual's bank account and will have the authority to make electronic fund transfers from those accounts. ** Page 65/section 164: The plan will be subsidized (by the government) for all union members, union retirees and for community organizations (such as the Association of Community Organizations for Reform Now - ACORN). ** Page 203/line 14-15: The tax imposed under this section will not be treated as a tax. (How could anybody in their right mind come up with that?) ** Page 241 and 253: Doctors will all be paid the same regardless of specialty, and the government will set all doctors' fees. ** Page 272. section 1145: Cancer hospital will ration care according to the patient's age. ** Page 317 and 321: The government will impose a prohibition on hospital expansion; however, communities may petition for an exception. ** Page 425, line 4-12: The government mandates advance-care planning consultations. Those on Social Security will be required to attend an "end-of-life planning" seminar every five years. (Death counceling.) ** Page 429, line 13-25: The government will specify which doctors can write an end-of-life order. HAD ENOUGH???? "Finally, it is specifically stated that this bill will not apply to members of Congress. Members of Congress are already exempt from the Social Security system, and have a well-funded private plan that covers their retirement needs. If they were on our Social Security plan, I believe they would find a very quick 'fix' to make the plan financially sound for their future."

These are some trash amendments in it...... ** Page 50/section 152: The bill will provide insurance to all non-U.S. residents, even if they are here illegally. ** Page 58 and 59: The government will have real-time access to an individual's bank account and will have the authority to make electronic fund transfers from those accounts. ** Page 65/section 164: The plan will be subsidized (by the government) for all union members, union retirees and for community organizations (such as the Association of Community Organizations for Reform Now - ACORN). ** Page 203/line 14-15: The tax imposed under this section will not be treated as a tax. (How could anybody in their right mind come up with that?) ** Page 241 and 253: Doctors will all be paid the same regardless of specialty, and the government will set all doctors' fees. ** Page 272. section 1145: Cancer hospital will ration care according to the patient's age. ** Page 317 and 321: The government will impose a prohibition on hospital expansion; however, communities may petition for an exception. ** Page 425, line 4-12: The government mandates advance-care planning consultations. Those on Social Security will be required to attend an "end-of-life planning" seminar every five years. (Death counceling.) ** Page 429, line 13-25: The government will specify which doctors can write an end-of-life order. HAD ENOUGH???? Judge Kithil then goes on: "Finally, it is specifically stated that this bill will not apply to members of Congress. Members of Congress are already exempt from the Social Security system, and have a well-funded private plan that covers their retirement needs. If they were on our Social Security plan, I believe they would find a very quick 'fix' to make the plan financially sound for their future."

I work as a teacher and have a pension plan through the state, which has been underfunded in the past. To make up the difference, large pension contributions are deducted from my paycheck every two weeks. As a result, it's very difficult to have any money to save. I am barely making ends meet, as I am the sole provider for my wife and baby. In addition, I will need to start saving for my baby's future college costs. Even though I'm barely making it, should I open a retirement account or should my pension already be enough?

My dad is planning on short selling one of his homes. Originally bought to be remodeled, but because of the economy he cannot even afford to keep the house. Home was bought for 1.3mil and he is planning on short selling it for 800k. My question is, what will the bank do about the 500k deficiency? Can they go after his retirement accounts? Thanks

why should I have to spend any money to help some lazy bum who is unemployed cause he wants to be? why should my money be used to help some person who did not plan their life properly and did not save for retirement or an illness when they are old? comrade Hussein Obumma, stay out of my pocket !!!!

What about under this new health law? I saw this comment posted by someone and thought it was interesting. > Subject: : Judge Kithil of Marble Falls , TX - HB3200 highlighted pages most egregious > > Please read this........ Especially the reference to pages 58 & 59 > > > > JUDGE KITHIL wrote: > > "I have reviewed selected sections of the bill, and find > It unbelievable that our Congress, led by Speaker Nancy Pelosi, could come up with a bill loaded with so many wrong-headed elements." > > "Both Republicans and Democrats are equally responsible > For the financial mess of both Social Security and Medicare programs." > > "I am opposed to HB 3200 for a number of reasons. > > To start with, it is estimated that a federal bureaucracy of more than 150,000 new employees will be required to administer HB3200. That is an unacceptable expansion of a government that is already too intrusive in our lives. If we are going to hire 150,000 new employees, let's put them to > Work protecting our borders, fighting the massive drug problem and putting more law enforcement/firefighters out there." > > > JUDGE KITHIL continued: "Other problems I have with > This bill include: > > ** Page 50/section 152: The bill will provide insurance > To all non-U.S. Residents, even if they are here illegally. > > ** Page 58 and 59: The government will have > Real-time access to an individual's bank account and will have the authority to make electronic fund transfers from those accounts. > > ** Page 65/section 164: The plan will be subsidized (by > The government) for all union members, union retirees and for community organizations (such as the Association of Community Organizations for Reform Now - ACORN). > > ** Page 203/line 14-15: The tax imposed under this > Section will not be treated as a tax. (How could anybody in their right mind come up with that?) > > ** Page 241 and 253: Doctors will all be paid the same > Regardless of specialty, and the government will set all doctors' fees. > > ** Page 272. Section 1145: Cancer hospital will ration > Care according to the patient's age. > > ** Page 317 and 321: The government will impose a > Prohibition on hospital expansion; however, communities may petition for an exception. > > ** Page 425, line 4-12: The government mandates > Advance-care planning consultations. Those on Social Security will be required to attend an "end-of-life planning" seminar every five years. (Death counceling.) > > ** Page 429, line 13-25: The government will specify > Which doctors can write an end-of-life order. > > HAD ENOUGH???? Judge Kithil then goes on: > > "Finally, it is specifically stated that this bill will not > Apply to members of Congress. Members of Congress are already exempt from the Social Security system, and have a well-funded private plan that covers their retirement needs. If they were on our Social Security plan, I believe they would find a very quick 'fix' to make the plan financially sound for their future." > > Honorable David Kithil > Marble Falls , Texas California

** Page 50/section 152: The bill will provide insurance to all non-U.S. residents, even if they are here illegally. ** Page 58 and 59: The government will have real-time access to an individual's bank account and will have the authority to make electronic fund transfers from those accounts. ** Page 65/section 164: The plan will be subsidized (by the government) for all union members, union retirees and for community organizations ** Page 241 and 253: Doctors will all be paid the same regardless of specialty, and the government will set all doctors' fees. ** Page 272. section 1145: Cancer hospital will ration care according to the patient's age. ** Page 317 and 321: The government will impose a prohibition on hospital expansion; however, communities may petition for an exception. ** Page 425, line 4-12: The government mandates advance-care planning consultations. Those on Social Security will be required to attend an "end-of-life planning" seminar every five years. ** Page 429, line 13-25: The government will specify which doctors can write an end-of-life order. "Finally, it is specifically stated that this bill will not apply to members of Congress. Members of Congress are already exempt from the Social Security system, and have a well-funded private plan that covers their retirement needs. If they were on our Social Security plan, I believe they would find a very quick 'fix' to make the plan financially sound for their future." ** Page 50/section 152: The bill will provide insurance to all non-U.S. residents, even if they are here illegally. ** Page 58 and 59: The government will have real-time access to an individual's bank account and will have the authority to make electronic fund transfers from those accounts. ** Page 65/section 164: The plan will be subsidized (by the government) for all union members, union retirees and for community organizations ** Page 241 and 253: Doctors will all be paid the same regardless of specialty, and the government will set all doctors' fees. ** Page 272. section 1145: Cancer hospital will ration care according to the patient's age. ** Page 317 and 321: The government will impose a prohibition on hospital expansion; however, communities may petition for an exception. ** Page 425, line 4-12: The government mandates advance-care planning consultations. Those on Social Security will be required to attend an "end-of-life planning" seminar every five years. ** Page 429, line 13-25: The government will specify which doctors can write an end-of-life order. "Finally, it is specifically stated that this bill will not apply to members of Congress. Members of Congress are already exempt from the Social Security system, and have a well-funded private plan that covers their retirement needs. If they were on our Social Security plan, I believe they would find a very quick 'fix' to make the plan financially sound for their future."

Hello all! Sorry this is so long but I have a lot of detail and it is a VERY important birthday... My grandma has made it to 90 with all her mental faculties intact and is surprisingly well off physically. Last September, she saved up and went on a cruse down to Cabo with a group from her retirement community... And 2 years before that she saved up again and went with her Community to Hawaii and rode in a helicopter over the islands! (Needless to say, her Retirement Community's Activity Director ROCKS and gets some rather spectacular discount "Group Packages" with her connections!) My grandma likes to have a Manhattan Cocktail or a Vodka Tonic when she goes out... The only thing is that she tires easily and uses one of those walkers with the hand breaks and the seat. She is flying in from Tucson to Chicago, where our family is from, for the party and my aunt hijacked the "Official" party and is doing some sort of "Formal" nonsense and is not taking anything my Grandmother actually wants in to consideration... LITERALLY, she is doing the party with what her 2-year relationship with a Muslim fu*k-buddy wants and not what GRANDMA wants... i.e. Is near THEIR condo, a half an hour drive out from where the rest of our family/friends live, no alcohol, everything served is Halal... etc. etc. etc. Last year he decided the party was to be at a Forest Preserve 5 min's drive from their house, in the middle of July, because they don't allow alcohol at the forest preserve and he thought that would stop people from drinking... (It Didn't) and it was so hot that most of her friends had to leave or suffer heat stroke. Yeah... freaking 90' out, humidity just suffocating, but we had to do what HE wanted because we all need to "Respect his beliefs" even though it was GRANDMA'S 89th BIRTHDAY! She is playing the martyr, as if WE forced her to do all of this on her own when she won't allow anyone else to voice an opintion on HER party plans... Even my grandmother. But I digress... Thank goodness, this year it will be IN DOORS and (hopefully) in the city so that only SHE has to drive a half an hour out of her way and not the other 30 guests that are invited. ¸๑•*´`*♥❤♥*´`*•๑¸ ¸๑•*´`*♥❤♥*´`*•๑¸ ¸๑•*´`*♥❤♥*´`*•๑¸ ► Question 1: What would you want on a "Happy 90th Birthday" banner to hang at your party? We did "Happy Birthday Marilyn: 29 AGAIN?" when she hit 70, so that is out... And we are out of ideas... ¸๑•*´`*♥❤♥*´`*•๑¸ ¸๑•*´`*♥❤♥*´`*•๑¸ ¸๑•*´`*♥❤♥*´`*•๑¸ My father, myself, and a couple of friends of ours want to do something JUST FOR HER and no one else and these are our plans... 1. If we are REALLY lucky, we will get Cub's Tickets for the actual day of her birthday. We got the Cubs to put "Happy 85th Birthday" on the Wrigley Field Marquee for the Video I did for that b-day and we are hoping we can tell them it is her 90th and they will announce "Happy 90th!" over the loud speakers. 2. No matter what, we are doing this: We found a Tourist Company that does helicopter rides over the city... We can have up to 6 (I think off hand) in a helicopter that flies around the city for 45 min's. 3. I will borrow a friend's video camera to document the trip and then make a "Happy 90th" DVD for the whole family which includes the obligatory family photos, the video of the Helicopter Ride, the video of the Cub's Game, and the video of the "Official" 90th birthday party. The Helicopter Ride is like, $600.00 and I have no idea how much Cub's Tickets cost but if we get everyone to chip in, I know that we can pull it all off... A friend of ours says he "Knows Someone" that can help us out on the Cub's Tickets. So... ¸๑•*´`*♥❤♥*´`*•๑¸ ¸๑•*´`*♥❤♥*´`*•๑¸ ¸๑•*´`*♥❤♥*´`*•๑¸ ► Question 2: Does my secondary plan sound like a good plan? I'll make the DVD for the family no matter what but the Cub's game and/or the Helicopter Ride over her home town? I know it is rather extravagant and pulling it off money wise will be tight, but this is her NINETIETH BIRTHDAY and who knows how much longer she will be around... She may make 105 or she may make 90.5... So we want to do something that will blow her mind! LOL! ¸๑•*´`*♥❤♥*´`*•๑¸ ¸๑•*´`*♥❤♥*´`*•๑¸ ¸๑•*´`*♥❤♥*´`*•๑¸ Again, sorry for the length... But this is both a Brain-Storming Session and a Venting Session... LOL! Any ideas would be appreciated.

I do not understand why age limits do not apply for some Government employees.I think Congressmen (also Congresswomen) and Senators should have a mandatory retirement age.When they do retire, what is their retirement pay? Is it the same as all other Federal employees? If not, I think it should be. I understand that congressmen(women) and Senators have a medical plan different from other federal employees.That they have dental and vision automatically. Why?Aren't they Federal Employees?,and therefore should have the same rules and regulations as other Federal employees?

Im having a hard time with this if someone can help me!!

Shawn Michaels has been telling friends as of late he plans on retiring at WrestleMania. His contract is set to expire soon and he has talked about wanting to spend more time with his children as they grow up. Michaels himself has made noise about retiring in recent years, to the point that WWE actually scripted jokes about it on Raw. After taking time off in 2008, he made noise about deciding not to come back. Like previous times he'd taken time off, WWE would call him back to return and he would. He also said in a radio interview last year that he had told the company his retirement date (which at the time was this year's WrestleMania). On the other hand, he's brought up the idea of wrestling well into his fifties, though only a match or two per year. Michaels is not advertised for any shows past the night after WrestleMania when RAW emanates from the US Airways Center in Phoenix, Arizona. SOURCE:http://www.ewrestlingnews.com/stories/Report_Shawn_Michaels_Retiring_After_WrestleM.shtml

Shawn Michaels has been telling friends as of late he plans on retiring at WrestleMania. His contract is set to expire soon and he has talked about wanting to spend more time with his children as they grow up. Michaels himself has made noise about retiring in recent years, to the point that WWE actually scripted jokes about it on Raw. After taking time off in 2008, he made noise about deciding not to come back. Like previous times he'd taken time off, WWE would call him back to return and he would. He also said in a radio interview last year that he had told the company his retirement date (which at the time was this year's WrestleMania). On the other hand, he's brought up the idea of wrestling well into his fifties, though only a match or two per year. Michaels is not advertised for any shows past the night after WrestleMania when RAW emanates from the US Airways Center in Phoenix, Arizona. http://www.ewrestlingnews.com/stories/Report_Shawn_Michaels_Retiring_After_WrestleM.shtml

I am retiring at age 62. I have about 100,000 in 401. I owe 320K on a house that is now only worth 220K and about 40K in CC debt. I was planning on working until I was 65 to pay off the CC debt and hope that the market stabalized, but my health has greatly deminished. I must retire and mvoe out of CA. I think my only option is to file ch7 and let them have the house. My wife and I both have 7 year old cars that are paid off. I am really only worried about my retirement. I will be drawing about 1700/mo in Social Security to live off of. I am just trying to get ahead of this situation that I see coming. I am open to all advise. -- Thanks --

Hello, Im 20 years old and plan to invest in Roth IRAs very soon, as well as opening up a 401K with my company. However, Roth IRAs and 401ks, from my understanding, penalize you if you pull out money before youre 59. I intend on retiring at 40. Where should i pool in my money if i dont want to be penalized? Should i start learning the ropes of the Stock Market, or is there a different Retirement plan i can look into? Thank-you!

My boyfriend of 11 yrs, live with me and my two teens. It was understood I never wanted to marry, but I always told him I was planning my life with him. Retirement, etc. Well, I found out that he's been writing to TONS of women online from all dating websites,craigslist, yahoo personals, etc. Everyone! After reading these emails, I feel like I totally don't even know the man anymore. And on top of it all, he even tried to "hook up" with a woman for a drink the day one of my newborn grandson's died! He's been there for me, and my daughter and now he says he's sorry, won't write women again, and that talk is cheap and he never actually cheated. But I don't believe him. He's been "writing" for at least 5 yrs. that I found. What do I do? He asked me to give him a chance, but can I?

Shall somebody give me the comparison of the plans available to choose the best and also advice on my earning of RS.75000 per month.

Last semester was my first semester in High School (Freshman). I got an A in Honors History, Honors Biology, and Advanced Orchestra; I got a B in Beginning Dance and Honors Tenth Grade British Literature and a C+ in Honors Algebra 2A. I had a very difficult time adjusting to high school because I have OCD, which distracted me from my work. I transfered into regular Algebra 2B and I am aiming for straight A's this semester. Next year I plan on switching back into Honors Pre-Calc. I also, next year, I plan on taking AP classes to boost my GPA, start a "Free the Slaves Club" (something I have wanted to do for a very long time, not just for credit), continuing viola, continuing singing, continuing my after-school language, and volunteering at the retirement home, pet shelter and homeless shelter. Is there anyway I can get into Harvard with a bad first semester report card?

We'd like to make a 401k hardship withdrawal to use the funds towards down payment of a house (my wife and I are first-time home buyers). We have about 40k in the 401k (fully vested) and after paying 10% penalty and fed&state taxes, we should remain with about 25k. Now, we learned from our plan administrator (ING) that things are not so simple: first we have to "exhaust all other loan options". This means concretely that we have to borrow about 20k from the 401k and pay it back with 5% interest. Only the remaining 20k can be used for a hardship withdrawal. This kind of defeats the purpose of what we want to do, namely to generate as much hard cash from the 401k as possible which then can be used towards the down payment. The question is if the practice of requiring to exhaust all other loan options is legal and if others have heard about similar "gates" that are throws up by the plan administrators. Also, we were wondering if there is another way to get the full money applied towards the withdrawal (and none against a loan). Of course we know that some people think that it is a bad idea to make early withdrawals from a 401k. We took into account in the decision to case out the 401k not only the nerve-wrecking ups-and-downs in 401k plans over the past 2-3 years, but also the recent rumors that the US government might turn 401k plans into annuity plans at some point in the future to finance the public debt (effectively turning your contributions into a government IOU for retirement). I appreciated all responses so far, thanks a lot! So far the responses are missing the point, which I try to clarify better: this is a technical question of how to extract a maximum amount of cash out of the 401k and whether a 401k plan administrator is actually permitted to throw up gates by demanding to exhaust all other loan options first. Whether it makes sense financially or whether this is against the spirit of 401k based retirement plans is not the question.

so i work as a waitress at a retirement home, and one of the chefs the other day asked me to see a movie. hes 28, and im 17. i said maybe, cause i didnt know what to say. i obviously didnt go, and today at work he was like, "you didnt call last night", and i told him i ended up having plans. then later i was talking to one of the other chefs, and she said that apparently the chef thought i was 19, not 17. and that he was embarrased. but even if i were 19 that would still be kinda gross.. did i mention he has an 8 year old son? yeeea but i think he knew i was 17, because he asked one of the other girls i work with who is also 17 to see a movie, and she was like, im 17, cant you find someone your own age? and he said probably not. i find it disgusting that he would even ask me. and should he have asked how old i was before he asked me out. so yea now its super awkward around him, and i dont even know how to act. should i just act normal? im going to be seeing him alot at work.

The Dinner Roll .. Once upon a time I was invited to the White House for a private dinner with the President. I am a respected businessman, with a factory that produces memory chips for computers and portable electronics. There was some talk that my industry was being scrutinized by the administration, but I paid it no mind. I live in a FREE country. There's nothing that the government can do to me if I've broken no laws. My wealth was EARNED honestly, and an invitation to dinner with an American President is an honor. I checked my coat, was greeted by the Chief of Staff, and joined the President in a yellow dining room. We sat across from each other at a table draped in white linen. The Great Seal was embossed on the china. Uniformed staff served our dinner. The meal was served, and I was startled when my waiter suddenly reached out, plucked a dinner roll off my plate and began nibbling it as he walked back to the kitchen.. "Sorry 'bout that," said the President. "Andrew is very hungry." "I don't appreciate..." I began, but as I looked into the calm brown eyes across from me, I felt immediately guilty and petty. It was just a dinner roll. "Of course," I concluded, and reached for my glass. Before I could, however, another waiter reached forward, took the glass away and swallowed the wine in a single gulp. "And his brother, Eric, is very thirsty," said the President. I didn't say anything. The President is testing my compassion, I thought. I withheld my comments and decided to play along. I don't want to seem unkind.. My plate was whisked away before I had tasted a bite. "Eric's children are also quite hungry." With a lurch, I crashed to the floor. My chair had been pulled out from under me. I stood, brushing myself off angrily, and watched as it was carried from the room. And their grandmother can't stand for long." I excused myself, smiling outwardly, but inside feeling like a fool. Obviously I had been invited to the White House to be sport for some game. I reached for my coat, to find that it had been taken. I turned back to the President. "Their grandfather doesn't like the cold." I wanted to shout, "that was my coat!" But again, I looked at the placid smiling face of my host and decided I was being a poor sport. I spread my hands helplessly and chuckled. Then I felt my hip pocket and realized my wallet was gone. I excused myself and walked to a phone on an elegant side table. I learned shortly that my credit cards had been maxed out, my bank accounts emptied, my retirement and equity portfolios had vanished, and my wife had been thrown out of our home. Apparently, the waiters and their families were moving in. The President hadn't moved or spoken as I learned all this, but finally I lowered the phone into its cradle and turned to face him. "Andrew's whole family has made bad financial decisions. They haven't planned for retirement and they need a house. They recently defaulted on a subprime mortgage. I told them they could have your home. They need it more than you do." My hands were shaking. I felt faint I stumbled back to the table and knelt on the floor. The President cheerfully cut his meat, ate his steak, and drank his wine. I lowered my eyes and stared at the small grey circles on the tablecloth that were water drops. "By the way," he added, "I have just signed an Executive Order nationalizing your factories. I'm firing you as head of your business. I'll be operating the firm now for the benefit of all mankind. There's a whole bunch of Erics and Andrews out there and they can't come to you for jobs groveling like beggars...we need to spread YOUR wealth around..." I looked up. The President dropped his spoon into the empty ramekin which had been his crème Brule. He drained the last drops of his wine. As the table was cleared, he lit a cigarette and leaned back in his chair. He stared at me. I clung to the edge of the table as if it were a ledge and I were a man hanging over an abyss. I thought of the years behind me, of the life I had lived. The life I had earned with a lifetime of work, risk and struggle. Why was I punished? How had I allowed it to be taken? What game had I played and lost? I looked across the table and noticed with some surprise that there was no game board between us. What had I done wrong? As if answering the unspoken thought, President Obama suddenly cocked his head, locked his empty eyes to mine, and bared a million teeth, chuckling wryly as he folded his hands. "You should have stopped me at the dinner roll," he said.

Has the economy left Americans stressed about finances, work, unemployment, ect.? A lot of people are out of work and many people lost a lot of money in their 401K retirement plans last year. I've also noticed that many who are employed seem to be over worked at their jobs and at times worried about job security. So do you think that the economy has left many people with lots of worries?

I got this email twice early this am. You would think an IT company would have a website. Our company is glad to offer you a job as an Assistant Manager. We believe that your knowledge, skills and experience will be among our most precious assets. Our company is famous for its effective solutions in creating, software integration and its administration. Our chief field of work is Internet. We work for our clients, living in various places all over the world. IT Ltd is mostly concerned with web application development and software development. Also the company pays much attention to more efficient options, fulfilling web design projects for the customers on web design, helps to arrange work with affiliates. Our company is aimed at developing sound, yet easy and effortless solutions for all our clients. The biggest number of customers is represented by USA consumers. Description of the offered position : Promotion support Working out tax reports and reports of internal use Studying and determination of ways of solution Announcement of information to clients Keeping correspondence Estimation, organization, keeping up and exploration of complex data Organization of payoffs straight from clients to employees using money transfer systems Looking after expenses of the company Performing administration work Conference calls arrangement with meeting organization Our Assistant Manager must have brilliant communication skills and being proficient in the following field: Computer skills and typesetting Skilled usage of Microsoft Word, Excel Working hours are 9a.m. to 1p.m. Should you accept this job offer, per company policy you'll be eligible to receive the following beginning on your hire date. Salary: for 2 weeks of training|trial) period - 1800 USD for a full-time position - 4500 USD per month, paid in biweekly installments by direct deposit Benefits package: 401k retirement account Health, dental, life and disability insurance Sick leave Vacation and personal days Income protection plans for employees. To accept this job offer please let us know the following details: 1. Enter your name completely: 2. We need to know your full address: 3. Cell is necessary to contact you: 4. Home phone number: 5. Your e-mail for a quick contact: We at IT Ltd hope that you'll accept this job offer and look forward to welcoming you aboard. IT Ltd is ready to show you the world outside and provide you with unique opportunities to live the way you deserve. Sincerely, Hiring Coordinator, HR Department. IT Ltd.

Is the typical american citizen working today and raising a family able to save as much, afford healthcare easier, and have a nicer retirement plan than their parents??? sadcrying could you elaborate on that answer? because of big govt because of what?? detais would be nice.

I marked it with a * for the answer i think it is thanks so much :) 1. Annamaria wants to live somewhere she can easily take her boat out sailing on her days off work. For Annamaria living near the water is: an intrinsic career value. an extrinsic career value. *a lifestyle value. a self–discovery exercise. 2. Josh wants to have a secure job with opportunities with advancement at the same company. For Josh, having job security is: an intrinsic career value. an extrinsic career value. *a lifestyle value. a self–discovery exercise. 3. Pearl is looking for a career that offers a predictable, regular work schedule. For Pearl, having a regular work schedule is: *an intrinsic career value. an extrinsic career value. a lifestyle value. a self–discovery exercise. 4. Rodrigo wants to discover new ways to generate electricity. For Rodrigo, having a career that lets him discover new knowledge is: an intrinsic career value. an extrinsic career value. a lifestyle value. *a self–discovery exercise. 5. Amira cannot picture herself living somewhere that did not have good restaurants and lots of cultural attractions. For Amira, having these kinds of entertainment opportunities is: (1 point) an intrinsic career value. an extrinsic career value. *a lifestyle value. a self–discovery exercise. 6. Doug is imagining himself at his retirement party in order to decide what is most important to him in a job. For Doug this scenario is: an intrinsic career value. *an extrinsic career value. a lifestyle value. a self–discovery exercise. 7. Darla is cutting out pictures from magazines and creating a collage that shows what she wants outside her job. For Darla, this activity is: an intrinsic career value. an extrinsic career value. a lifestyle value. *a self–discovery exercise. True/False 8. Online tests are the best way to discover your lifestyle values. True *False 9. When imagining scenarios to help you assess your values, the more detailed you make them, the better. *True False 10. "Just for fun" online personality tests are not intended for serious career planning use. True *False 11. Values checklists are so comprehensive that you rarely need to add your own items to their lists. True *False 12. Sometimes a helpful way to figure out what you want in a career of lifestyle is to think carefully about what you would like to avoid. *True False 13. What you like to do outside your work hours should have no effect on your choice of career. True *False

My daughter is graduating high school in 3 months. We told my Dad and his wife (who live 600 miles away) and his wife immediately freaked out that this wasn't enough notice because she's going shopping with friends that weekend. We told them we know that's pretty far away and we understand if they can't come, but she just kept on about it. Now, it's because she's visiting her sister that weekend (who lives only about 80 miles away). They are retired but travel easily they are in their early 60s. I wish they'd just say they can't come rather than say 3 months notice is not enough time and make up lame excuses. She then complains we never come to visit. We wanted to in January but it "wasn't a good time". Now we say well we can find some time in April - sorry - we're busy straight through until August. She guilts me for being a bad son for never coming to visit, but everytime I make plans to do so she comes up with a reason why I can't. If someone's coming to visit me from out of town I drop everything to accomodate them. Who is SO busy in retirement that they can't have their son and daughter in law visit for a few days sometime in the next 5 months? Since when is 3 months notice "way too little" for a high school graduation? Essentially, it's not and the truth is she doesn't want us around and thinks we're stupid enough to not doubt her ridiculous excuses. My Dad has totally lost his spine with her in the last couple of years and just stays quiet. WHAT can I do?

We are all going to have to tighten our belts. Our great country is about to go bankrupt. If we want to keep our country intact, we are going to have to make some radical changes, and it will affect everyone. It will take us at least 50 years to turn this around, but we can do it, for the betterment of our nation. We have to start by creating a plan to phase out Social Security as a retirement plan......

What will be the best retirement plan, as I am not having any Family pension or provident fund or retirement benefits.Consider a monthly salary of Indian rupees 75000/.Pl. suggest with personal experience with details.I am having 22,20 years old son both about to complete studies and 9 years old daughter.

My mother married my step Dad in 2008 an he passed away in jan. 2010 ! She was his beneficiary on his life insurance an the step son advised my mother that she was not entitled to nothing in the retirement nor the pension plan? I have the papers that where signed an I cant find no help. My mother will be homeless an has no income Due to this unfortionate crises my mother has lost her husband an also they are kicking her out of the house that she an my step dad lived in for 6 years cause the deed an contract is not in my step fathers name but he paid almost 30 thousand dollars over some years please help me with this I cant do it alone! where in the state of south Carolina, Thanks for all your help!

The value of the US dollar is plummeting, the stock market is doing soo poorly that thousands have lost their savings and retirement and the economy has literally been crushed! Top that off with a proposed health care plan that will surely cost you dearly... he's not responsible? he borrowed trillions from China and printed trillions more causing the biggest drop in the value of the dollar in the past 235 years! and, there won't be another term...

i won't get it. read the following. Please star this question and ask others to respond Social Security to start cashing Uncle Sam's IOUs By STEPHEN OHLEMACHER, Associated Press Writer Stephen Ohlemacher, Associated Press Writer – 1 hr 14 mins ago PARKERSBURG, W.Va. – The retirement nest egg of an entire generation is stashed away in this small town along the Ohio River: $2.5 trillion in IOUs from the federal government, payable to the Social Security Administration. It's time to start cashing them in. For more than two decades, Social Security collected more money in payroll taxes than it paid out in benefits — billions more each year. Not anymore. This year, for the first time since the 1980s, when Congress last overhauled Social Security, the retirement program is projected to pay out more in benefits than it collects in taxes — nearly $29 billion more. Sounds like a good time to start tapping the nest egg. Too bad the federal government already spent that money over the years on other programs, preferring to borrow from Social Security rather than foreign creditors. In return, the Treasury Department issued a stack of IOUs — in the form of Treasury bonds — which are kept in a nondescript office building just down the street from Parkersburg's municipal offices. Now the government will have to borrow even more money, much of it abroad, to start paying back the IOUs, and the timing couldn't be worse. The government is projected to post a record $1.5 trillion budget deficit this year, followed by trillion dollar deficits for years to come. Social Security's shortfall will not affect current benefits. As long as the IOUs last, benefits will keep flowing. But experts say it is a warning sign that the program's finances are deteriorating. Social Security is projected to drain its trust funds by 2037 unless Congress acts, and there's concern that the looming crisis will lead to reduced benefits. "This is not just a wake-up call, this is it. We're here," said Mary Johnson, a policy analyst with The Senior Citizens League, an advocacy group. "We are not going to be able to put it off any more." For more than two decades, regardless of which political party was in power, Congress has been accused of raiding the Social Security trust funds to pay for other programs, masking the size of the budget deficit. Remember Al Gore's "lockbox," the one he was going to use to protect Social Security? The former vice president talked about it so much during the 2000 presidential campaign that he was parodied on "Saturday Night Live." Gore lost the election and never got his lockbox. But to illustrate the government's commitment to repaying Social Security, the Treasury Department has been issuing special bonds that earn interest for the retirement program. The bonds are unique because they are actually printed on paper, while other government bonds exist only in electronic form. They are stored in a three-ring binder, locked in the bottom drawer of a white metal filing cabinet in the Parkersburg offices of Bureau of Public Debt. The agency, which is part of the Treasury Department, opened offices in Parkersburg in the 1950s as part of a plan to locate important government functions away from Washington, D.C., in case of an attack during the Cold War. One bond is worth a little more than $15.1 billion and another is valued at just under $10.7 billion. In all, the agency has about $2.5 trillion in bonds, all backed by the full faith and credit of the U.S. government. But don't bother trying to steal them; they're nonnegotiable, which means they are worthless on the open market. More than 52 million people receive old age or disability benefits from Social Security. The average benefit for retirees is a little under $1,200 a month. Disabled workers get an average of $1,100 a month. Social Security is financed by payroll taxes — employers and employees must each pay a 6.2 percent tax on workers' earnings up to $106,800. Retirees can start getting early, reduced benefits at age 62. They get full benefits if they wait until they turn 66. Those born after 1960 will have to wait until they turn 67. Social Security's financial problems have been looming for years as the nation's 78 million baby boomers approached retirement age. The oldest are already there. As that huge group of people starts collecting benefits — and stops paying payroll taxes — Social Security's trust funds will shrink, running out of money by 2037, according to the latest projection from the trustees who oversee the program. The recession is making things worse, at least in the short term. Tax receipts are down from the loss of more than 8 million jobs, and applications for early retirement benefits have spiked from older workers who were laid off and forced to retire. Stephen C. Goss, chief actuary for the Social Security Administration, says the crisis has been years in the making. "If this helps get peop

So here's our plan. We are 40 years old and want to retire in Puerto Rico. My husband can retire at 56,but if he waits until he is 60 he will have 2.8 million in his 401k plus retirement pension of about 2,000/month from employer. We are thinking of buying a condo in Lequillo now,renting it out and paying it off before we retire.once we retire we would then move into the condo. This looks good on paper ,but is it realistic? How are the taxes,health care, living expenses etc... Any help,pros and cons or suggestions would be appreciated.

I will be 23 this year and my son will be one in two months. I want to start planning for our futures. I want to start a savings for him and a retirement plan for myself. The savings for him is the easy part. The retirement for me...not so much. I found places like ING and Liberty Mutual, but I don't know where to business. Can I do this on my own? And How?

Hi I am a US citizen moved overseas. I have worked for exactly 10 years in in the United States and my average salary was US 30,000 dollars. I will not be able to work in the future. I am 48 years of age and I would appreciate if any one can project my approximate social secruity payment will be at the age of 63so that i can plan for my retirement. Thanks

For my senior year project I was planning to volunteer at senior retirement home or some-kind place where retired citizens. My community service is a little different. since it has to relate to photography I was planning to visit some senior care center and ask the elderly places (in San Jose & Campbell) they remember in the past and I will be asking if they like to see what the area look like in 2010. I will be taking pictures of the area and if i can find pictures of the place taken before and compare them with pictures I have taken. At the end I will make a book or powerpoint showing before and after pictures of the areas i have taken. My goal is to offer senior citizen who don't get lots of outside exposure because of any physical limitations and give them the opportunity to see places they remember. If you know any senior care centers in san jose or campbell please give me the address. Also please give me some feed back or suggestions on my project.

I am interested in learning about the reservist military role. (army navy air force)Is there a retirement plan after 10 or 20 years and how much is it approximately. Also, is there any enlistment bonus for an hvac tech? thank you

The 6 months living expenses thing is NOT an option. So basically I have 2 grand in saving. Now student loan repayments are coming soon. I have two part time jobs at the moment and I plan to spend about $500 a month on student loans starting next month (I have one private loan with a 12% interest rate so I'm trying to knock that out before the others are in repayment as well. Also plan on paying off ALL accrued interest so it won't capitalize. My other loans have a 6.8 interest rate) That $500 is AFTER I paid off my bills, food, maybe $100 in savings, and $100 for free-will purchases (let's face it, everyone wants to go out sometime. This includes fast food, shopping, movies, or whatever. But I don't spend out much so I might not even use all this). I would feel really comfy keeping that 2 grand in the bank for rainy days even though the savings interest doesn't even compare to the interest those loans are gathering. I was thinking maybe putting $100 away a month to build up savings... if that. Should I be saving more or focus on paying off the loans. Basically, having two jobs, I don't feel too scared about being unemployed since I'll have something to fall on if something happens. I also have a $3000 limit credit card (no balance on it) if I needed something (but since I have no car and I rent, I can't see myself ever having that problem. No big ticket items to worry about. I have renters insurance if you're thinking what if my place burns down or I get robbed.) So is it wise to keep that two grand in the bank or use it towards loans? And should I be saving more than $100 a month while trying to pay off loans? I was thinking any extra money, like if i pick up hours at work, would also go to savings or should I use that for loans? Should I be saving at all? I know savings is important long run but I'm hoping to be debt free in 5 years or less then I can worry about things like retirement. Maybe saving for a car or house is good but not thinking about owning anytime soon so I don't feel pressed about that. I just turned 22 if that helps but things in perspective. If you don't want to read the question, don't give an answer. I clearly said I'm 22.

Assume that you are 30 years old today, and that you are planning on retiring at age 65. Your current salary is $45,000 and you expect your salary to increase at a rate of 5% per year as long as you work. To save for your retirement, you plan on making annual co ntributions to a retirement account. Your first contribution will be made on your 31st birthday and will be 8% of this year's salary. Likewise, you expect to deposit 8% of your salary each year until you reach age 65. At retirement (age 65) you will begin withdrawing equal annual payments to pay for your living expenses during retirement (on your 65th birthday). If you expect to die one day before your 101st birthday (Your last withdraw will be on your 100th birthday) and if the annual rate of return is 7%, then how much money will you have to spend in each of your golden years of retirement? guys please i don need the answers , am doing some works,just wanna someone to explain me how to do it..really thanks..peace and love

I receive military retirement pay and I am planning on drawing my social security at 62. Does my military retirement count against me if I decide to draw social security early. Does it count as my income as far social security.

I'm a part-time student and a part-time food service worker in my early twenties. I make about $12,000 to $14,000 a year. I have absolutely no savings whatsoever, and very little knowledge on the subject. I'm considering opening a Roth IRA to start saving for retirement. Anybody have any advice for me? Is it easy to set up? How much should I contribute? Can I put as much in whenever I want, or is there a minimum you have to contribute? How is the interest rate determined? I'm sorry to ask so many questions, but I'm really quite confused on the subject! Any advice would be appreciated. I also have a question about 401k plans, if anybody can help me out with that, too! http://answers.yahoo.com/question/index;_ylt=Aplt8J4Df3e8__.hOjmxf4bsy6IX;_ylv=3?qid=20100313023709AAG9Mhi

Hi, I m VIVEK. 35 yrs old and doing job in private company Want pension plan which? pension plan after 20yrs which give me Rs 15000 per month income, so please tell suitable pension plan and what is premium ?

I don't know exactly what retirement plan would be best for me. Please help. I am a young married mother with 2 children. I make 15.00 hourly, full time. My husband makes very good money and has no problem supporting our family if need be. Would would you suggest I do for retirement savings and why?

Also I want to calculate life insurance benefits. Please suggest me a best one.

I just graduated from University and I don't understand taxes, pensions, retirement plans and all that financial stuff. I wish things did not have to be so complicated. WHat organisation/company should I contract to schedule an appointement to get more information? Would a bank do?

I'm planning a very important Retirement/Honorary Service for a professor and the restaurant that we want to cater the event no longer does catering. The sales person has asked us to write a letter of persuasion to present to her managers and convince them to make an exception. I need ideas on how to start the letter, convincing words to use, etc. PLEASE HELP.

Kyle and Laura have been married 3 years. They bought a house costing $212,000 using a $190,000 mortgage. They have no other debts. Kyle earns $42,000 per year and Laura $41,000. Each has a retirement plan valued at $10,000. They recently received a mail offer from their mortgage lender for a mortgage life insurance policy of $190,000. Their only life insurance currently is a $20,000 cash value survivorship joint life policy. They each would like to provide the other with support for 5 years if one of them should die. Assuming $10,000 in final expenses, calculate the amount of life insurance they need using the needs-based approach. Assume a 4% interest rate.

I have taken a home loan for which I am paying EMI from last 2 years where and currently my parents are staying there. My father plans to pay remaining outstanding amount of loan after getting retirement amount and I will transfer house to his name. What will be tax implications in this case for me and my father? If there is tax applicable suggest a way to avoid it. Hi Joe, I am referring to India region. Forgot to mention earlier. Sorry, by mistake I clicked on Report abuse for your posting. Not sure how to bring back your posting.

on the height of the pound for pound king, pacquiaos reign of supreme dominance. fLyod suddenly comes back to the scene. knowing poeple would have this curiousity for a mega fight between him and the man kicking everyones @SS. i really think that floyd is playing a game, to hype and build such a huge suspense and demand for a mega showdown with pacquiao. i think pacquaio will take of clottey in the 9th or 10th round. and i think flyod will edge mosley. setting up pound 4 pound king fight.. i think that was mayweathers plan all along. cause why else would flyod come back in a time when all eyes is on pacquiao? i dont think he did it to take all this BS and criticism from everybody.. it just dont make sence for him to ruin his rep. by comming back intending to avoid the man at the throne.

My father, 51, had been an hourly worker in a machine shop of for 21 years and four months. On a Christmas holiday, he suffered a severe heart attack and was hospitalized for three weeks. At his release, his doctor said he was to rest at home for a couple of months. After his recuperation period, his doctor, along with his company’s physicians, was to decide whether or not my father should retired for disability reasons. They never got the opportunity to make this decision; in February, my father died of a second heart attack. He left my mother, four sons, two daughters and two-daughters in-law. His wife, my mother, still had four children at home. As part of my father's estate, my mother received the normal group insurance payments, the balance of his savings plan account, and the other benefits due her. However, my mother did not receive a pension from the company as a survivor of an eligible employee. When my mother and the company representatives had discussed the settlement, my mother had inquired about my father's pension and about my mother's right to receive it. The human resource department had stated that since contributions to this fund were made only by the company, no survivor’s benefits were provided. 1.What do you think my mother should do at this point? 2.What does the Employment Retirement Income Security Act of 1974 have to say about this issue?