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Post by qianqian98 » Mon Oct 07, 2019 10:46 am

I'm constantly reading articles on the internet and in financial magazines in which so-called financial planning experts express perplexity as to why about 30% of employees do not participate in their employers' 401(k) plans. These writers don't seem to have clue. Well Wholesale Josh Allen Jersey , allow me to enlighten them a bit. For the most part, it's because of the restrictions imposed on the employees' money.

Also, because many people never know when they might need access to their money, they are unwilling to tie it up for long periods of time. They would rather give up the tax advantages as well as their employers' matching contributions than to have those restrictions and age requirements placed on their money.

I know because I was one of those people for many years. I just couldn't bring myself to tie up my savings like that until I could see that my retirement was less than 25 years away. Unfortunately, it's not advisable or practical to wait that long to start saving for retirement.

It's not just 401(k) plans that tend to scare people off. All of the tax-sheltered accounts currently available require us to either use the money the way the government dictates (for retirement, education Wholesale Nick Foles Jersey , medical expenses, buying a house, etc.) or jump through a bunch of hoops (which usually requires extensive knowledge of tax laws or the services of an accountant or tax lawyer) to be allowed to do otherwise.

Anyway, what good would even a 50% average annual return do you if died before you were legally allowed to access those funds? It's high time we got a tax-sheltered account which allows us to spend our money when, where, and how we want Cheap Dante Fowler Jr Jersey , without having to ask for anyone's advice or permission. After all, it's our money and we don't need a government nanny watching what we do with it.

So, what's the solution? Congress should get busy and pass legislation to create a Lifetime Savings Account option for taxpayers. There is at least one proposal for this kind of account floating around in Congress right now, with more expected soon. These accounts are not be confused with the so-called personal savings accounts that might be a part of any Social Security reform. Lifetime Savings Accounts would not be in any way connected to Social Security.

My version of the Lifetime Savings Account would be just like a Roth IRA in many ways, including the fact that withdrawals would be exempt from federal tax except (1) there would be no income eligibility limit, (2) withdrawals could be made at a time and at any age Cheap Dawuane Smoot Jersey , and (3) the annual contribution limit would be higher.

During the first year it was available, I would allow a "catch-up" contribution of up to $50,000 per individual and $100,000 per married couple. This would be an attempt to offset the fact that we should have had this option several years ago. This money could be shifted from a person's taxable savings, IRA, Roth IRA Cheap A. J. Cann Jersey , 401(k), or any combination of those vehicles. Beginning in year two, the maximum contribution would be set at $10,000 ($20,000 per married couple) and would be increased a little each subsequent year, based on the inflation rate.

A Lifetime Savings Account would encourage more people to save money Cheap Yannick Ngakoue Jersey , even if just for the short term. More people could afford a bigger down payment on homes and automobiles. More people would likely begin saving for retirement andor their children's education using this kind of account because of its lack of restrictions. Overall, it would be better for our economy.

Write or call your representative and senators and ask them to pass legislation to create Lifetime Savings Accounts. For more information about Lifetime Savings Accounts, see the following link: .

Terry Mitchell is a software engineer, freelance writer, and trivia buff from Hopewell, VA. He also serves as a political columnist for American Daily and operates his own website - - on which he posts commentaries on various subjects such as politics Cheap Dede Westbrook Jersey , technology, religion, health and well-being, personal finance, and sports. His commentaries offer a unique point of view that is not often found in mainstream media. Scholarships, Fellowships and Government Grants Cheap Cam Robinson Jersey , Oh My!
Posted by nick_niesen on October 27th, 2010

Nearly every student is eligible to receive free funding for his or her education expenses. Both the U.S. Federal and State Governments, as well as private organizations, offer free money to assist students with paying for a college education.

This is money that never has to be repaid! These free funds come in the form of Scholarships, Fellowships, Internships and also Government Grants. In this article Cheap Telvin Smith Jersey , we will clear up some confusion about what these are and how you can use them to pay for your education.

Your first step should be to obtain a FAFSA document (Free Application for Federal Student Aid). You can acquire one of these applications from the college you plan to attend or, online by following the steps at:

You will want to fully complete and send in this document by the deadline. For future reference, you will need to do this every year to continue to remain eligible for government funded financial aid. This single application is the key to numerous federally funded programs. Once your application is processed, you will receive a statement in the mail that lets you know how much funding you are eligible for.

If you find out that the amount of funding you qualify for still doesn't meet your needs, you can pursue additional private and government grants, scholarships and other programs. You can search online for for student grants and scholarships that you may also qualify for. This is often a tedious task Cheap Blake Bortles Jersey , but careful research can uncover some excellent opportunities.

What is the difference between a Scholarship, Fellowship and a Grant?

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