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retirement planning

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Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1327

35608 Magic Points

Wed Nov 21, 2007 7:01 am

Hi all i have found something really interesting on potential mistakes in 401(k) Plan. Check this out Smile

http://www.irs.gov/pub/irs-tege/401k_mistakes.pdf
_________________
Regards,
Laura.

debtstinker

Joined: 03 Nov 2007
debtstinker's page
Posts: 272

-17 Magic Points

Wed Nov 21, 2007 2:54 pm

Wow, thanks so much Laura!!! appreciate you taking the time to look that up and share it with us

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1327

35608 Magic Points

Thu Nov 22, 2007 7:06 am

I am just preparing for the future Laughing

. You are welcome debt. I found it interesting and in a way mistakes can be avoided if we know about it.
_________________
Regards,
Laura.

Dadummy

Joined: 15 Nov 2007
Dadummy's page
Posts: 547

102 Magic Points

Thu Nov 29, 2007 3:50 am

I can't ever see me fully retiring, I will always work part time at least to stay busy, I would go crazy sitting home everyday. I feel better when I am out and about and involved in something useful. I can't do all the physical work that I used to do, but I can still do a good days work.

carol

Joined: 27 Jun 2006
carol's page
Posts: 1299
Location: Los Angeles, California

30016 Magic Points

Thu Nov 29, 2007 9:24 am

Whatever you do securing the future is a necessity. We cant depend on anyone
_________________
Keep in touch
Carol

desiree15

Joined: 10 Nov 2007
desiree15's page
Posts: 40

947 Magic Points

Sat Dec 01, 2007 1:21 am

Isn't that the truth, at 24 I'm very skeptical on the stability of hte social security system and I'm having a hard time, despite being college educated, finding a job that will either allow me to contribute to my retirement or even better match my retirement efforts. that is a big goal of mine. Yes, I know that I can contribute on my own but right now i have a hard time making ends meet, but hopefully that won't always be the case and I can start saving for that wonderful day that I"m on the beach with a handsome man/men (i'm single Wink

enjoying life. perhaps i won't be single in my sixties or hey maybe i will Smile

debtstinker

Joined: 03 Nov 2007
debtstinker's page
Posts: 272

-17 Magic Points

Sat Dec 01, 2007 12:22 pm

D, you have the right idea...i think you have to prepare for your own future and not rely on any governmental program to protect or help you, if it's there great, but if not then you'll have your own money to fall back on and at your age, if at all possible, is a great time to begin saving. Good luck finding a position that helps you to establish a retirement account. they're out there, just finding them can be hard sometimes. have yout hought about human services? i have worked for two now, working for one (just got a job whooo hooo) and i love working for human services orgs. the reason I bring them up is that both agencies offer 403b plans since they're non profit. Now, with my current company I have to wait a year before investing but once my anniversary date is up not only do i start contributing my company does too up to 6%. while that doesn't sound like much I'll take whatever I can get! Smile

Dadummy

Joined: 15 Nov 2007
Dadummy's page
Posts: 547

102 Magic Points

Sat Dec 01, 2007 1:42 pm

Congradulations on your new job, I hope you will still bless us with your presence, we would miss you if you totally deserted us.

You are right that every little bit counts. That 6 percent will grow if you stay with the company for a long period of time, hang in there. Is this long term employment?

On a side note, what will you be doing in your new job, starting a new job is always so exciting. Have you done the type of work before or are you venturing into something new? I am happy for you and hope that you will come back and keep us updated. goodluck, did you start yet?

goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 3931

307 Magic Points

Sat Dec 01, 2007 8:28 pm

Great job debtstinker, I hope your new job is all you dream it to be, I am absolutely positive that you will do a wonderful job. You sound like you genuinely care about people and that is good that you like to work in human service, that is exactly where you belong with your way of caring. I wish you all the luck in the world and hope that between work and baby you will still have time to pop in and participate with us every now and then. Congradulations and keep us posted on how things go.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa

Dadummy

Joined: 15 Nov 2007
Dadummy's page
Posts: 547

102 Magic Points

Sun Dec 02, 2007 12:28 am

She will do a great job and come back and tell us all about it, right debtstinker, you know we will be anxious to hear all about it.

desiree15

Joined: 10 Nov 2007
desiree15's page
Posts: 40

947 Magic Points

Sun Dec 02, 2007 2:32 am

Yeah debt... let us know!! Wink

getting a job can be very exciting. while i don't make much where I work now I ENJOY it and that's a big plus. before I was management and would have to put in hours after hours that weren't paid for and the salary wasn't good, lots of stress. so my company allowed me to take another job in another department, and i reall ylike it. great managers too and the employees seem happier. I like having set hours too where before my hours were so weird. I would be eating my dinner at like 10 pm!

debtstinker

Joined: 03 Nov 2007
debtstinker's page
Posts: 272

-17 Magic Points

Sun Dec 02, 2007 2:49 am

Hi ladies, wow what a warm welcome tonight. Yes I LOVE my job so far and I really enjoy working with people, espeically with people who just need some help. Often they teach me valuable lessons about life that you just can't learn in the classroom. thanks good for the kind words, I do love people (most of the time lol Smile

I had my first day of orientation and just really enjoyed what i learned. I get to supervise people who go to homes in our county and help the elderly with every day tasks like grocery shopping and house cleaning. my people report their hours and any concerns they have to me. Lots to learn, lots of responsibility but i think i'll truly love it. I will be here quite a bit especially over the weekends and maybe at night. I do have to say that my little one is just now experiencing separation anxiety and I was proud of myself, i wasn't heart broken when he screamed when I left him. I have the attitude that he has to adjust that there other people in the world besides mommy and that his social development will be enhanced this way. very good situation for all involved. hugs everyone Smile

happy saturday
jeez d15 glad you have a better job in your company! eating that late would not agree with my tummy

goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 3931

307 Magic Points

Sun Dec 02, 2007 7:21 am

Well desi, that will take some getting used to that is for sure, I am sure you will do well there.

debtstinker, sounds like you are loving it already, good point about your toddler, it will help him socially if he is around other children too. Soon he won't even know you are missing and then that will bother you, LOL. It did me, when they first start looking forward to leaving you and going to a sitter. LOL. Don't take it personally, he will still want you when you come home in the evenings.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa

debtstinker

Joined: 03 Nov 2007
debtstinker's page
Posts: 272

-17 Magic Points

Tue Dec 04, 2007 1:53 am

Hey Good, I actually look forward to the day he llikes the sitter. actually he loves her it's the other kids he doesn't like. There for a while when he was about 9 months he just adored going because he found a playmate. well his playmate (the same age) found another playmate but they fight and the baby cries when he hears them fight. so right now i think he has negative connotations going there. today was much better.
Yes, am really loving my job so far. my supervisor is so patient and laid back but effective too. I met some of the people i'd be supervising and ALREADY had to sign of on time cards! wow, pressure but it was good my day went by so fast.

desiree15

Joined: 10 Nov 2007
desiree15's page
Posts: 40

947 Magic Points

Tue Dec 04, 2007 2:04 am

Yeah good, it's an adjustment but a very good one. hey debt good job on getting employment, sounds like you really like it

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