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Reliable Pension Plan
By Al Thomas


Article02.html
Many people in the UK, in fact as many as one in three UK taxpayers have paid too much tax! Greer & Taylor LLP a respected and trusted accountancy service provider has just launched a new website The Taxation People which can be found at www.thetaxationpeople.com the new online tax refund service is dedicated to getting the maximum legal tax refunds for indviduals whatever the circumstances on a `No Win No Fee` basis The Taxation People offer a online service, with a simple and easy to follow process that will guide you along the way as you get the refund you are entitled to. In the `my account` section of their site you can track the progress of your refund application and ask questions using a secure service. I would urge you to check out www.thetaxationpeople.com, where you can enlist the help of the The Taxation People who will get you the Tax Refund you are entitled to. Greer & Taylor LLP will be following up the success of their Tax Refund service The Taxation People by launching a cost effective Self Assesment Service, keep an eye on www.greer-taylor.com for more information.

Unsecured Loans
Another large garage bill makes you wonder if it`s really worth spending any more money on the car. It has reached the time in its life when it`s started to cost you in upkeep and a newer model might prove to be less bothersome. With no savings to speak of you might be considering one of the Unsecured Loans that a price comparison site has pinpointed for your needs. You looked at the Unsecured Loans a few months ago but haven`t done anything about it since. Using the website that searches for low cost loans is easy as you simply enter the loan amount that you are interested in, the time period that you need it for and the purpose of the loan. The company will also need your employment status and some information about you. An initial assessment will take place for the best quote available and once the loan comparison site has found the best quote, they`ll be in touch with you. Think about the type of car that you could get with one of the Unsecured Loans and how much cheaper it would be to run. You could even combine a few of your other smaller loans into the new one to cut down on your monthly outgoings.


Do you have a pension plan? Are you counting on it for your retirement? Well, good luck. The chances are that when it comes due it won?t be there. Don?t kill the messenger. I?m here to help you and I?m not from the government.

You have read about many companies that are in default on their pension plan payments and many others that are discontinuing contributory plans. In other words you are on your own when it comes to creating a retirement plan. We won?t discuss health benefits also being eliminated at this time.

If your employer will not help (I said help and not provide) with your saving for the future what can you do? If you don?t have a rich relative you better look in the mirror and see who is going to take care of you when you decide to retire (or be fired). You may not be able to find another job or you might not be in good enough health to work at all. That nest egg better be there.

Many small businesses do not have the capabilities to have even a simple plan because there are restrictions and legal requirements that can be expensive as well as liabilities the company does not wish to take on. Ask the boss if he will implement one, but don?t blame him if he refuses. It is ultimately your responsibility to take care of yourself.

If an employer cannot or will not set up a retirement plan for you then it is up to you to do for yourself. You can do this at no charge at almost any brokerage company or bank. All it takes is some of your time. These institutions want your money and will do the paperwork with you. My suggestion is with a large well-known discount broker. A simple IRA can be done very quickly.

You will want what is called a Self Directed IRA. This allows you to invest your funds in almost anything. Stick with safe equities such as money markets, mutual funds and Treasury Bonds, maybe some in each category. Because most people are not familiar with investing do not put money into unknown equities such as Limited Partnerships.

See if you can have your employer make a direct deposit each payday into that account as a deduction from your paycheck. That way you won?t spend it before you get there.

Brokers and bankers will want to give you ?advice?. Don?t listen. Do your own research as to how to make money. The most important thing about the stock market is knowing when to sell NOT when or what to buy. If you don?t have an exit strategy then do not invest in the stock market. Stay with nice safe Treasury bonds.

When you do reach retirement the pension plan you set up will then decide your diet of either cat food or filet mignon. That decision is up to you starting right now. you to know.

Copyright 2005

Al Thomas` book, "If It Doesn`t Go Up, Don`t Buy It!" has helped thousands of people make money and keep their profits with his simple 2-step method. Read the first chapter at http://www.mutualfundmagic.com and discover why he`s the man that Wall Street does not want you to know.

Article Source: http://EzineArticles.com/?expert=Al_Thomas

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