I know someone who I believe conned a medic into giving her early retirement? A relative of mine (a spinster never been married with own house), who has caused me many personal problems, about 10 years ago "conned" a medic (would that have been the DWP?) into early retirement on the grounds of "ill health". She was 49 years old and a teacher but conned someone into signing her off as permanently unable to work which was absolute codswallop and I remember the battle with "whoever" ( a medic?) who were convinced there was insufficient grounds but eventually backed down. Since then this relative (within the 1st 12 months) got another very elderly relative to sign her monies over to her in return for moving in with her. This relative of mine had a meagre pension by the way. Within 2 years the relative has the elderly woman put into a nursing home (e.g. probably conned DWP again into thinking the elderly woman is penniless so the state pays the nursing home) while she lives in the lap of luxury spending this ladies monies on house improvements, holidays, and new cars. In addition to this she leads a very active lifestyle, volunteer work with the police, runs homewatch, etc on her feet all day. Personally, I think there is nothing stopping her working full time? Who would I approach to get her re-assessed? Would the DWP take this on as a re-investigation?

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I am leaving the job that I have had for 10+ years for employment closer to home. What happens to the money in my pension plan. It seems like they said a long time back that you will get a small check each month after retirement. Is this how they usually work? Do I have to keep in touch with my old employer to make sure I get this? Is there usually a way to just cash out?

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When in the last 10 years has the private health insurance premiums reduced ?
Won’t the same reasons for increase of private health insurance premiums apply for private medicare as well and end up in seniors having to pay more every year ?

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The problem is we live in a small town. I have had 3 appraisers. They give all a different appraisal. If I could a lending company that would go 100% we could do that. Can anyone help. Would like to retire in 10 years with the house paid for.

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If I have an annuity and sell it for cash what is the average % of total annuity worth that they firm buying it will give me for it.
I mean like I win 0,000 in a lawsuit paid to me monthly over 10 years, How much will it cost on day 0 if I sell that annuity for a lump cash payment

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I am leaving the job that I have had for 10+ years for employment closer to home. What happens to the money in my pension plan. It seems like they said a long time back that you will get a small check each month after retirement. Is this how they usually work? Do I have to keep in touch with my old employer to make sure I get this? Is there usually a way to just cash out?

Technorati Tags: 10 years, google, job, long time, money, pension plan, retirement, script type, text javascript

I am leaving the job that I have had for 10+ years for employment closer to home. What happens to the money in my pension plan. It seems like they said a long time back that you will get a small check each month after retirement. Is this how they usually work? Do I have to keep in touch with my old employer to make sure I get this? Is there usually a way to just cash out?

Technorati Tags: 10 years, google, job, long time, money, pension plan, retirement, script type, text javascript

A long time ago I opened a SEP-IRA from Vanguard, and had an automatic deposit of I think around per month. It was more to just get my foot in the door and my mind in the right direction. This was in my early 20′s. (1995) and now the balance is ~K which means it paid 00 in interest over 10 years. This amounts to on average of 0.1% per year, and dividend gains from 10 years was . Can someone please explain how in the heck this is an effective retirement method? I mean, I have many other investments now, 90% are in bonds, etc and 10% in high risk stock trades. (more for fun that anything) For example I invested in BP right when it turned around (about 20 shares @ at the time) and now in one week I have made more that I did with 10 years in that IRA. What am I missing here? Also when I opened my SEP-IRA there was NO minimum, or maybe it was which is why I set it at per month. So the 10 years going from to K was almost all my contributions. For example an average year yielded like {content}.50 total for the year 2001 and my balance at the time was around 00 (again, almost all was my per month contribution).

I tried to do some research on the IRA and it talked about 1 year, 3 year, 5 year up to 10 year. I see nothing near what they show. Even if I did I have other questions:

1. do they figure dividends per month, per quarter, or per year?
2. Their example showed an investment of one time K and after 10 years it should be near K what happens if you leave it in more than 10 years?
3. what is the best way to invest in mutual funds
4. With 20 more years until retirement I estimated I need at least 0K to retire, does this mean I basically have to invest 0K/20 or K per year? or what % should I expect to see contributing to this to reduce the K per year contributions?
Prime money market VMMXX

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I have been paying in to a Chase Life term insurance policy for 0,000.00 for over 10 years.
I have recently received a quote for 0,000.00 term policy for LESS than I am paying for the 0K policy.
Do I lose anything by changing companies?

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I’m in my 50′s and work at a resoundly thankless and dangerous job. Due to the economy, my hours and income have been cut in half BUT I still have a long and dangerous daily 2 hour commute. I expect to be coming into a significant sum of money (Yes, it’s legal and no, I’m not suing anyone) which should pay off my mortgage entirely and leave me with enough financial resources to retire early with an adequate, but not extravagant, lifestyle.

So, where would you put your money knowing that this is money you’re counting on for the next 5-10 years of living expenses? How would you hedge against inflation? Is a simple CD ladder or money market fund the best? I’m not into gambling with a sure thing and will not entertain gold, speculative stocks and the like. If need be, I would rather ‘stuff it in a mattress’ and make do with less knowing that it’s guaranteed to be there.

I suppose I could continue working and save more, letting my kids inherit a pile of cash. No thanks.

PS There is NO sufficient employment near where I live, it just isn’t there! So, if I want to really bolster savings I would have to keep doing the same thing I’m doing now. I’ve done it for a loooong time and I have no chance to improve my income at all. If anything, I’m looking at less pay and more stress with an increased workload. I got the hint, it’s time to go.

So, what to do?

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My friend has been a public school teacher in Texas for the past ten years. They are now moving to Seattle, WA to be a teacher in the public schools there. Do their past 10 years of experience transfer over to WA state pension fund?

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My father worked under carpenters union for many years and became disabled at age 60 with Parkinson’s disease possibly resulting from an on the job head injury (more than 10 years ago). The union says he is not eligible for any kind of a pension because he didn’t have enough credits. Is there anything legally that might be able to be done?

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here are some parameters related to this question:
- 10 year window
- tolerance for risk is high, as the investor still has the choice to continue working after the target age
- the investor would like to consider balancing risk not only against timeline towards the target date, but also against "forecasts" of economic downturn
- needing 15 to 20% annual return averaged for 10 years to meet target
- investor may consider actively managing the portfolio with a financial advisor, but would like to hand decision making to fund managers if the products are good enough to meet the above needs

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I have a co-worker leaving his job and will live off his 401(k) money that he built up over the course of 10 years. I feel he is fool for doing this cause of the taxes and penalties that doing so will occur. Can someone give me an example of ,000.00 that was saved up is likely to be taxed and penalties assessed?

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I’m 26 and started putting money into a Roth-IRA 10 years ago. I really want to buy a house. I know first time home buyers can take ,000 out of their IRAs without penalty. Would it be a good idea to use this money and some more from savings to buy a home? Also, I am young enough that I think I could still have roommates for another 5 years (who could help pay my mortgage) Should I leave my IRA alone and save for a few more years or should I cash it out next year and buy a home?

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