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Addiction Recovery Program- Cares More About People than Profits, Providing a "Pay-What-You-Can" Option for January 2009
Internationally award winning All Addictions Life Recovery Program is putting people before profits by launching a "Pay-What-You-Can option" for the entire month of January. The goal is to assist those struggling with stress and addiction, especially given today's economic climate. This 3 to 6 month online program provides accessible, anonymous, 24/7 support for anyone struggling with stress, anxiety, shopping, overspending, overeating, drugs, alcohol, gambling or other destructive behaviours. (PRWeb Jan 2, 2009)
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Thor Credit: Enabling Dealers to Get More Consumers Into New RVs
Thor Industries, Inc. announced it will re-establish Thor Credit in an effort to make RV financing available to more consumers interested in purchasing a new or used Thor recreational vehicle. Dealerships like Pedata RV Center see the benefits as credit hungry consumers are attracted to Thor inventory. (PRWeb Jan 2, 2009)
Take Your 401(k) With You! By Adam J. Heist If you have left your employer to pursue another job then there is something you should consider taking with you something that many employees leave behind: their plan. Specifically, if you have a 401(k) plan leaving it behind could be a problem. Read on and we’ll see exactly why moving your plan out of the capable hands of your former employer is a wise decision.
Legally, you do not have to move your plan when you leave your former employer. However, if your balance is five thousand dollars or less your employer can bid you goodbye and send you away with a check. Of course, rolling those funds over to a new account or IRA will keep you from getting taxed, therefore if you take any disbursement you will want to reinvest it right away.
In many cases leaving your 401(k) behind is fine but you end up missing out on several benefits including:
Keeping close track of your investments. You will still be notified about plan changes and receive quarterly statements, but you won’t have access to company sponsored advice or be able to make any additional contributions to your account. If you move your 401(k) to your new employer the monies can be rolled over to the new account and you can select whatever investment options you want.
Moving money to an IRA. If your new employer’s plan does not excite you, you may want to move your funds to an Individual Plan. This can be a nice option to take especially if you don’t expect to stay at your new employer for long. With an IRA it doesn’t matter who you are working for; you will be able to keep control
You can borrow money. Although borrowing money from your 401(k) account isn’t widely recommended you cannot do this if your money is sitting with your former employer. If you move your funds over, you can borrow from the account for a down payment on a house or other important life need.
If you retire early, let’s say at age 56, you can start withdrawing money from your 401(k) without penalty. With an IRA you can only start withdrawing penalty free at 59 ½.
Yes, taking your money with you makes much sense. After all, who do you think cares more about you – you or your employer?
Jeff Lakie is the owner of the credit help Wwebsite. At their website, you can learn more about loan as well as many other things relating to the industry. We encourage you to visit our site today and see what we have.
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