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You may convert your 401k plan into a 401k rollover annuity so that you incur a number of benefits. Firstly you avoid the 20% federal tax as well as the 10% penalty if you are withdrawing below the age of 59 1/2. When you invest in a 401k rollover annuity your principal amount is guaranteed which is not the case if you are dealing with mutual funds, stocks or bonds. The interest rates are considered to be considerable higher when one deals with 401k rollover annuities.

You know, those big marble halls at big banks may look impressive, but the fact is that they’re paid for by the customers. They just aren’t necessary anymore. You’re much better off with internet banks nowadays. It’s your money, after all, and the banks make money off it just by virtue of having it. It hardly seems right that they would nickel and dime you to death with fees on top of it. Check out Capital One Bank Online for example. Their rates are way higher than anything you can get at the big corporate banks. And banking online is easier than dealing with lines at tellers anyway. 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. If you’re not earning a good return, you might want to check them out as well. Let me know what you think about all this.

I’ve recently become interested in Selling Structured Settlements. Structured settlements can provide a nice source of long-term income, but some people prefer a lump-sum payout.
I’ve learned a bit about Structured Settlements for Personal Injury 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.

The time to make a decision is coming up soon. I hope I’ll be able to make the right choice based on what I can find.
Alright - that’s all for now.

Learned today that my employer offers
SEP IRA Retirement Plans instead of 401ks. I know nothing about them. Time to do some research.
I’ve been digging around the net trying to learn more about
Sep Plans so I can make the right decisions, but I’m a bit clueless when it comes to finance, so it’s been slow going.
Hopefully I’ll be able to set things up and just let them coast after that. I don’t like micro-managing financial stuff.
I’ll keep you posted.

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 researching Sep Retirement Plans on the Internet this afternoon - found some decent beginner information. There’s still a lot to learn, though.
Hopefully I’ll be able to set things up and just let them coast after that. I don’t like micro-managing financial stuff.

My company is offering
SEP IRA Plans as its primary retirement benefit. I’m thinking that signing up is a good idea, but I don’t know how the whole process works.
In particular, I need to know more about Sar Sep Accounts. 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.
At least I’ll save some money on taxes. That bite the government takes out of my paycheck just keeps getting more and more painful every year.

The Dollar has taken a hit in recent years. It’s time to check out
International Bank Accounts, and see if I can’t get into some other currencies.
What with the Fed continuing to inflate the currency at a breakneck pace, it makes sense to be researching
International Bank Transfer services.
Even if the dollar bounces back, it is a good idea to hold other currencies. You never know what’s going to happen.
What do 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 internet banks. 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 ING Electric Orange Checking Accounts as the best option out there. They pay great rates, and don’t charge those ridiculous fees. 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. More people should check out internet banks instead of big banks.

A structured settlement sale can be an extremely helpful life decision. I used to work in the construction business. I was a very hard, reliable worker with good prospects to advance further in my future career. I always held my end of the contract, but unfortunately, my employer didn’t. They hadn’t inspected the elevator at the work site, and the cable gave out. I fell two stories, badly injuring my back. I took the company to court and was awarded what I thought was a good settlement: a schedule of structured payments, with the settlement to be paid out over 10 years. Meanwhile, my wife had our third child and so we had to move to a bigger house. That’s when I decided to take a structured settlement payout, cause I had to come up with money for the house.

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. 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 poked around the net, and settled on Bank of the Internet as the best option out there. They pay great rates, and don’t charge those ridiculous fees. I know some people have issues with not being able to meet their bankers in person, but honestly I don’t really care about that. If you’re not earning a good return, you might want to check them out as well.

I’ve been banking at Wells Fargo for years, but I’m fed up with the lousy rates they pay for their deposit accounts. I’ve decided to look into online savings accounts instead. There are much better deals to be had there, I mean after all, it’s my money, and I’m lending it to them. They should pay for the privilege. And why should I have to pay fees to them? It’s not like I get to charge them fees when I borrow money from them. Check out ING Electric Orange Checking Accounts for example. Their rates are way higher than anything you can get at the big corporate banks. And banking online is easier than dealing with lines at tellers anyway. 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. If you’re not earning a good return, you might want to check them out as well.