News Bob

I’m firing Citibank. They just aren’t a great deal anymore for my money. I’m looking at Washington Mutual instead, and some of the other High Yield Online Savings as well. Much better deals to be had. 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 personally like banks with high yield savings. I’ve been with them for a couple of years now, and have no complaints. I’ve saved a lot of money as well. 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. In fact, I think most people would be better off switching to an online bank. Let me know what you think about all this.

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Checked into the benefits package at my new job today, and it looks like they focus on
SEP IRA Plans for retirement, instead of the standard 401k plan. Looks like I have some reading to do. I had never even heard about these before today.
I’ve been poking around the net checking out info on Sep Ira Contribution Limits, but it’s complicated. It’s just not he sort of thing I like to spend my time thinking about. But of course it has to be done.
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.

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There are some interesting facts you should know in case you are interested in structured settlement sales. Quite often, people who have structured settlement get contacted by a company interested in purchasing structured settlement in return for a lump sum buyout. Nevertheless, most states have specific laws that forbid a structured settlement sale. Hence, as a result, you might not be able to perform a structured settlement depending on where exactly you live. Also, always remember the fact that companies won’t purchase a structured settlement unless there will be making some good profit. The whole thing about a any structured settlement sale is that you will end up loosing money in the long run, because companies would usually offer you about %50 of the total amount of money that you will receive for the whole period of the structured settlement.

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I’ve been looking into online banking lately. I’ve had enough of big local banks. Lousy rates and high fees - why stick with them? It’s time for a change, so I’m going to try something new. I’m particularly fed up with earning .5% interest for the privilege of lending my money to the bank. Enough is enough. Especially in light of the sorts of rates the same banks charge you when they lend you money. Check out Wilmington Trust Direct 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.

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Company executives are burdened with so many tasks and responsibilities that at some point they sometimes begin losing control of the business reins or ineffectually conducting their business plans. Desire for accelerated profits and instant wealth often enough damage long-term projects as budget managing and investment handling fails to achieve their objectives. Capital and commodity asset management is duly ensured by asset management companies that claim expertise and inspiration. Replace your egocentric confidence by a team-effort initiative to discover the wonders of professional asset financial services.

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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’m particularly fed up with earning .5% interest for the privilege of lending my money to the bank. Enough is enough. Especially in light of the sorts of rates the same banks charge you when they lend you money. I poked around the net, and settled on ING Direct 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. In fact, I think most people would be better off switching to an online bank.

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If you are running short on money then perhaps you have considered cashing out some of your 401K entitlements. This is not a good idea if you have other alternatives. Before you rush into this you should examine all your options. There is a 401K hardship withdrawal provision that allows you to do so but you will incur a penalty. That’s why you should know exactly what that penalty is and calculate the lifetime value that you will lose if you elect for this option.

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