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If your financial problems have reached the point where you do not see a way out and you feel as though you are drowning in debt, your best way out is through declaring bankruptcy. Filing may well allow you to get your finances back on track Thankfully, there are now several web sites that are there to help people like you with bad credit to find the fast personal loans that you need. When you have bad credit, the first thing that you should be looking for is a loan company that
Does Your Life Include a RIPE Plan?Planning Tips for Retirement, Investing, Protection, and Estate Planning Part 1 (Retirement)by: Janet L. HallNo matter what your age or years of work, its almost never too late to start planning for your retirement. As a matter of fact, the younger you are, the less chance you will have of becoming destitute, or a * bag * person. Im not trying to be funny, it can happen to you if you dont watch what you are doing and PLAN for the future.Ponder for a minute on the questions below:~~ What kind of life do you want in your * golden years *?~~ How will you use your retirement time, meaning, what activities, interests, or travel might you want to pursue?~~ Will you need or want to change your housing and lifestyle completely or do you hope you can * stay where you are, doing the same things youve always done *?~~ If you are planning on living in a different area, what are the standards of living in that area OR what are the chances of the standard of living increasing or decreasing where you are currently living?~~ How might your health affect your retirement?~~ Will you need to continue to work part-time after retirement to * make ends meet *? How will that affect your benefits?~~ Do you want to start your own business, many people do after retirement, and how will that affect your benefits?~~ What * support * systems do you have or need to have in place?If a company employs you, you need to FIND OUT:~~ if they have a retirement plan (benefits), such as a pension or 401(k)~~ what your TOTAL monthly or lump sum disbursement will be~~ how much you can contribute~~ length of service required to be eligible to collect benefits~~ age required to be eligible to collect benefits~~ if the plan will meet your needs/lifestyle after retirementTake the time and schedule an appointment with your employers * benefits person * and discuss YOUR retirement plan. Ask them about YOUR Statement Of Accrued Benefits (SAB). This is YOUR personal account and will tell you the benefits you can expect based on your salary and retirement time.If youre self-employed, as many of us are, you need to establish your own retirement plan. The easiest plan is an IRA at which you can only contribute $2,000 yearly. If youre young (years away from retirement) check out a non-deductible Roth IRA. Other plans include SIMPLE, SEP-IRA, and Keogh Plan. If you want to learn more about these plans, check our Reviews section near the end of the newsletter.Please dont think you can live on Social Security (in the USA) alone! If you have no idea what you MIGHT have already accumulated into Social Security, FIND OUT! (Link for SSA in Reviews section)WARNING and a TIP: Just when you thought you were covered! One thing that can zap you financially is a divorce (I hope this never happens to you) and your pension plan could be one of your largest assets to be DIVIDED up (Ive seen this happen). SO, if youre married, I sincerely hope you stay so happily and forever after!Smiles, not Piles,Janet L. HallProfessional Organizer, Author, and Speakerhttp://www.overhall.com"If your current systems aren't working for you...get an "OverHall"!"The Organizing Wizard, Janet L. Hall, is a ProfessionalOrganizer, Speaker, and Author. She is the owner ofOverHall Consulting, and Organizing By Phone. Subscribe toher FREE organizing newsletter athttp://www.overhall.com/newsletter.htm or visither web site at http://www.overhall.com Copyright (c) 2000 by OverHall ConsultingP.O. Box 263, Port Republic, MD 20676All Rights Reserved. Permission is granted toreproduce, copy, or distribute OverHall IT! or any articlesby Janet L. Hall so long as article(s) is kept intact, thiscopyright notice, and full information about the author isattached.
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