... If you go with life insurance, remember that term life insurance will not cover you after a certain age. That is why they call it 'term' life insurance....
Depends upon the your health (and, if married, your spouses health). Both my wife and I are reasonably healthy and only take a couple of prescriptions (we each...
... and had there wives sign-off on th 100%, oddly both of them passed away and the policy aftertime was not enough and sadly both wives had to go back to work...
I have been reading this group for 2 years now and just joined....my wife and I decided to take my full pension without survivor benefit but I got a million $...
http://www.financialweek.com/apps/pbcs.dll/article?AID=/20090126/REG/901219977 ... That 8% annual return on investment you and your pension fund manager were...
An 8% return, based over 10 years is still easy to obtain. It will take a little work on your part though. It will take some pseudo timing, ie. putting money...
Be careful if she's cooking your meals, or wants to go hunting with you..... <g> ... joined....my wife and I decided to ... life insurance policy for ...
Not being at the age of retirement yet I have not looked into that idea. I do however have friends who have told me that very same story and chose to get full...
There are pros and cons to both arguments. The one thing I considered was whether I would have the fortitude to fork over the yearly premium..year after...
That is a good set of thoughts as well. The little my wife and I have discussed it, we felt the 100% spousal coverage was worth the difference in what I would...
But keep in mind that, if one selects the J&S spouse pension benefit, the spousal pension payment is taxable income. ... lieu of electing a J&S benefit for...
... Yes, especially if the woman does not work and is used to her husband telling her to 'sign here' and signs away her future under the misguided idea that...
Hi - I have a couple of questions that I hope someone in this group can help with. I'm part of the latest lay-offs. My understanding is that I can rollover my...
YOU need to talk to a PROFESSIONAL financial planner, at an hourly rate basis. You can pay for this using the Yearly benefit, up to around $2000. Do this...
... You will be able to roll your TDSP funds into an IRA without penalty, but only if you don't have any outstanding loans taken from your TDSP -- all loans...
... hourly ... [Hank] Excellent advice. Just be sure to use a financial planner that is not selling anything other than their services. ... you ... [Hank] I...
The spouse only needs to signoff on the retiring employee's choice if less than 50% survivors benefit is chosen for the spouse. If 50% or higher is chosen,...
I imagine your advice would go both ways, if the IBMer were female and the spouse was a man. The goal here is to ensure that the non-IBM spouse, especially if...
... another ... You can roll the TDSP money over to an IRA if you like , IF you don't have a loan against the TDSP. Removing money from either the TDSP or from...
All the advice from the folks I've seen so far is good advice. Everyone has different circumstances and those circumstances dictate what should be done. Don't...
You know why they did the latest round of layoffs on Jan 26, don't you? If they'd done them on Jan 27th they'd have to give everyone an extra month's credit...
... hourly > rate basis. You can pay for this using the Yearly benefit, up to around $2000. Do this douring your 30 day grace period or its gone. ... Thanks to...
... This is hardly new at all. In 2002 they fired 16.4k on June 28 and then gave them a leave of absence for two days to them out on 7/1. That way they did not...
I received my layoff notice on 1/27. My last date of hire was 4/97 (doesn't count a year of supplemental). HR said my vacation would be 3.5 days. ... I...
Could someone clarify the following for me. I will retire effective 3/1 after the termination on 2/23. Is the IRS rule that I can withdrawal from the 401K...
I would highly recommend UBS Financial Services. An ex-IBMer friend just yanked all his money out of Fidelity. I rolled everything over there including IBM...
"Selected" individuals should be sure to use ALL 2009 personal choice holidays BEFORE your termination date. You would be well advised to use those days to...
Having problems with message search?
Fill out this form to ensure your group is one of the first to be migrated to the new message search system.
