Answer: Your required contribution and the University's contribution to the Boston University Retirement Plan are not accessible to you for any reason prior to age 65, while you are employed at the University. However, you may withdraw funds from your Supplemental Retirement and Savings Plan to purchase your primary home. You will be required to pay a 10% tax penalty plus ordinary income tax on any funds withdrawn prior to age 59½, per Internal Revenue Service regulations.

Answer: You may change your fund allocation within Fidelity or TIAA-CREF simply by calling their customer service number, or you may establish a PIN (personal identification number) online and make changes directly on the Fidelity Web site or TIAA-CREF Web site. Answer: If you are interested in taking a course that is scheduled during your regular work day, your department chair or supervisor must sign your Tuition Remission form in order for the benefit to be approved.

RRSP is one of the best ways to save for your retirement. When you invest in an RRSP, within the limits prescribed by the Canada Revenue Agency, you may defer some of the income tax you would otherwise pay. As long as you keep your savings in your RRSP, both your investments and the income they earn are tax-deferred, ensuring faster growth than if those same investments were held outside of the RRSP. Moreover, with RRSP contributions you can take advantage of a tax deduction.

No. Once you begin participation in the plan you may not withdraw. Please note that if you terminate your employment after becoming eligible for an Early Retirement benefit, and you choose to withdraw your contributions from the Plan, you will forfeit your right to a deferred benefit under the plan.

Most creditors prefer that you do not refinance or obtain a mortgage while on a debt management program. This is because of the increased risk of overextending your ability to complete the program successfully. Each situation must be evaluated individually.

Answer: All you'll need is a computer that has Internet access and an ISP (Internet Service Provider), such as AOL. If you don't have an ISP, there are many to choose from. See the Yellow Pages in your local phone book for a list of ISPs that service your area. As an active or retired faculty or staff member, you may also use the academic computing system for internet access. You must set up a login account and Kerberos password.

To set up or update Retirement Savings Plan beneficiary information, log on to NetBenefits® at www.401k.com. Click "Your Profile," then click the "Beneficiaries" link in the "About You" section. If you do not have access to NetBenefits® via the Web, you may also call Fidelity at 1-800-835-5095 and request a Designation of Beneficiary form.

Flexibility to top up your regular monthly investment plan with lump-sum amounts as and when you have surplus funds to invest. You can shift your funds from one profile to another FREE of cost up to 3 times a year, after the initial three year period.

Payroll savings is a method many employers provide their employees for the voluntary purchase of savings bonds on a regular schedule. You decide how much to allot from your salary each payday and your savings grow automatically. You decide what series and denomination of savings bonds you want to buy. You decide how the bond is to be registered - in your name or another person's, with or without a coowner or beneficiary. Many employers allow you to buy bonds for more than one person.

long as you are actively employed in a benefited position at UVA, you cannot request a distribution from your tax deferred savings account. Once you leave University employment, you can request a distribution by contacting the vendor. If you elect to have the distribution paid directly to you, your distribution will be considered taxable income by the IRS. Individuals who are younger than age 59 and ½ may also be assessed an additional 10% penalty for early withdrawal.

Answer: Simply enroll or register for Online Banking, then go to Funds Transfer for simple instructions to set up an automatic savings plan.

Typically, four or five sets will be needed. You will need one set for yourself, with a set available for the builder, bank, and the building office. Copyright laws prevent additional copies from being made from actual blueprints. Some designers allow you to purchase additional copies if purchased within a certain time period. Please call for verification. The home plans are protected under copyright law. Violation could result in fines up to $150,000.00.

After you sell your house, you may well have some choices about the size of the down payment on your next home purchase. At a minimum, we recommend that you make a down payment of at least 20 percent of the purchase price of your next home. Why? Because that's the percentage that generally qualifies you for the best mortgage programs available.

Yes. Participation in the TSP does not affect your ability to contribute to an IRA. However, because you are a uniformed services member covered by the uniformed services retirement plan, your ability to make tax-deductible contributions to an IRA depends upon your income and that of your spouse. Your IRA provider or your tax advisor can give you specific information about the different types of IRAs, the rules affecting each type, and how they apply to your situation.

of January 1, 2003 under IRS rules, you can generally contribute 100% of your Northwestern University salary up to $12,000, whichever is lower. Employees who have attained 15 years or more years of qualifying University service may make additional contributions above the limits specified in the table above if they failed to maximize their 403(b) contributions earlier in their employment.

Review Retirement Plan literature including the University's descriptive summary of the plan along with brochures and other materials published by TIAA-CREF and Fidelity Investments. Determine your retirement income goals - How much you feel you will need as income once you retire. Translate this figure to the amount you will need to contribute today in order to accumulate the necessary funds for the future.

There are many reasons for participating in the University's Retirement Plan including the fact that it is currently estimated that the Contributions you are making to Social Security will provide for only a small portion of the income you will need after you retire. The University's Retirement Plan is an excellent means of setting aside money you will need in the future.

First of all, I am note employed, so I don't know if there is such a thing like retirement for me, but if there is, I want to be a get-upper in Subway. What is this? You know, people fall asleep during the subway ride. I get them up when they need to get off. Especially at the Flushing-Main street stop, if you don't get off, you will be sent back to Times Sq. I am sure many people will appreciate my job.

Our professional effective, marketing plan is designed to sell your home in the shortest time for the highest possible price and with the least amount of inconvenience to you. To market you home effectively, we employ a number of proven tools and techniques. These include coordination with cooperating agents, open houses, advertising, website exposure, signage, promotion through our multiple listing service and much more.

Assuming you have sufficient RRSP deduction room, you can contribute to a spousal RRSP. When your wife makes withdrawals from the plan, the income will then be taxable to her unless you have contributed to the plan within the last three years. Note that, beginning in 2007, you may be able to split pension income with a lower income spouse. Yes, spouses can apply to have their CPP retirement benefits split between them.

Yes. You may want to purchase a home with your IRA now and rent it out until you retire. Assuming that you will retire after age 59 1/2, you need only to take a distribution of that asset at retirement. There will be no penalties. You may have tax to pay depending on the type of IRA you have.

A Savings Plan can hold up to 99 different accounts for the same business and all the accounts are completely separate. This means you can set up different named accounts for different things. A Savings Plan can include Direct Access Savings Accounts as well as 10 / 60 Day Notice Accounts.

with your plan administrator for the details and availability of the loan and the repayment provisions. The mortgage lender will need to know the amount owed, repayment term and monthly payment.

No, members cannot use two plans in the same office at the same time. The benefits of two discount plans cannot be coordinated. Consumers are able to purchase more than one discount plan from DentalPlans.com to use at separate offices. For Example: If your orthodontist is participating in the Protective Discount Dental Plan and your general dentist is participating in the Uni-Care 200 Discount Dental Plan, the consumer can purchase both plans to use at the appropriate office.

The original architect/designer, Building Graphics, owns and maintains copyright protection and legal rights to all home plans offered through Living Concepts. When you purchase a reproducible vellum or AutoCAD CD, you will receive a letter granting you limited permission to alter the house plan as well as the right to make multiple copies of the house plan.

Access Savings is a members-only discount program that helps you get more life out of living. Members save up to 50% on luxury cruises, golf getaways, island vacations, outdoor recreation, ski & snowboard outings, hotel stays and more. In addition, members save on everyday purchases like fast food, movie tickets, video rentals, health & beauty products, automotive maintenance & repair, dry cleaning and lawn care ? to name just a few.

Getting money from your Equity Line of Credit is as easy as writing a check or making a withdrawal at any Greenfield Savings Bank branch.