How an After-Lunch Snooze Almost Cost Her Thousands of Dollars Advantia | Assessors Andorra
Filed under: Retirement , Insurance , Family Money , 401K , 403B , Planning Alamy As I sat through new-employee orientation at my first bona fide, grown-up job, I was certain death by boredom was imminent. I stared at the basket of snacks in the middle of the conference room table, wondering whether anyone would notice if I nabbed another cookie alliancebernstein -- or 10. But when I looked around, I saw my more responsible new colleagues putting pens to papers and signing things. alliancebernstein I looked down at my mini-mountain of documents. Did I want retirement benefits? Umm... No. This brand new college grad wasn't about to sacrifice a single cent of her paycheck, especially not to some suspect " retirement fund " that locked the money away until 2050. When the lady from HR came to collect my papers, I blurted, " I don't want this retirement stuff ," or something equally eloquent. "It's free," she replied, and so I reluctantly signed. Then came the speech about our health insurance options. After straining for a few minutes to interpret foreign words like "premium" and "deductible," my brain shut down. I was covered under my husband's health insurance, so whatever the presenter alliancebernstein had to say didn't matter to me. I stared at my seat-neighbor's laptop screensaver as my eyes began to droop. Her puppy sure is cute. Or maybe that photo came with the computer. Either way, it's a cute puppy. The next thing I knew, the room was emptying, and I gave myself a mental pat on the back for surviving one of the dullest days of my life.
Fast-forward four years to a more responsible, more financially literate me. Those retirement benefits I scoffed at? Thankfully, my husband, Johnny, was wise enough to ask about all those financial information packets that were flooding our mailbox. Now 3 percent of my pretax income automatically goes into a 403(b) -- the equivalent of a 401(k) for people alliancebernstein in public education and nonprofits -- a contribution which is matched by my employer. Add that to the additional 3 percent they contribute alliancebernstein just for kicks, and we're talking thousands of dollars in free money! alliancebernstein And those medical insurance options I so didn't need? Well, I've reversed my initial feelings on those as well. Johnny and I are now on my employer's plan: Not only is the monthly premium alliancebernstein less, but my deductible beats his, too. Once again, thousands saved. Cha-ching! With open enrollment alliancebernstein season in full swing, I welcome the opportunity to ensure I'm making the most of my benefits. alliancebernstein Should I enroll in an FSA ? Is it time to up my 403(b) contributions? How do I designate our new daughter as my secondary alliancebernstein life insurance beneficiary instead of my little sister? (Sorry, Jill -- you can quit plotting our demise.) So the next time you're tempted to yawn your way through a benefits meeting, down another cup of coffee and look alive. The last thing you want to do is leave a bunch of cash on the table next to your puddle of drool. Joanna and Johnny are the writing duo behind OurFreakingBudget.com , a personal finance blog documenting the joys, pains and realities of living on a budget. Here are a few popular posts from their blog: Our Debt Story He Says/She Says: IKEA Furniture Wait, Are We Poor?
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Repsol alliancebernstein aún cree que YPF vale 5 mil millones de dólares Destacados Hay razones confesables para tener dinero en paraísos fiscales? BME ganó 143,1 millones en 2013, un 5,7% más BBVA compra la startup Simple por 117 millones de dólares 18,68 % de los pisos en venta en Madrid cuestan menos de 100.000 euros After Market: Stocks Rally, S&P 500 Closes alliancebernstein In on Record High
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Filed under: Retirement , Insurance , Family Money , 401K , 403B , Planning Alamy As I sat through new-employee orientation at my first bona fide, grown-up job, I was certain death by boredom was imminent. I stared at the basket of snacks in the middle of the conference room table, wondering whether anyone would notice if I nabbed another cookie alliancebernstein -- or 10. But when I looked around, I saw my more responsible new colleagues putting pens to papers and signing things. alliancebernstein I looked down at my mini-mountain of documents. Did I want retirement benefits? Umm... No. This brand new college grad wasn't about to sacrifice a single cent of her paycheck, especially not to some suspect " retirement fund " that locked the money away until 2050. When the lady from HR came to collect my papers, I blurted, " I don't want this retirement stuff ," or something equally eloquent. "It's free," she replied, and so I reluctantly signed. Then came the speech about our health insurance options. After straining for a few minutes to interpret foreign words like "premium" and "deductible," my brain shut down. I was covered under my husband's health insurance, so whatever the presenter alliancebernstein had to say didn't matter to me. I stared at my seat-neighbor's laptop screensaver as my eyes began to droop. Her puppy sure is cute. Or maybe that photo came with the computer. Either way, it's a cute puppy. The next thing I knew, the room was emptying, and I gave myself a mental pat on the back for surviving one of the dullest days of my life.
Fast-forward four years to a more responsible, more financially literate me. Those retirement benefits I scoffed at? Thankfully, my husband, Johnny, was wise enough to ask about all those financial information packets that were flooding our mailbox. Now 3 percent of my pretax income automatically goes into a 403(b) -- the equivalent of a 401(k) for people alliancebernstein in public education and nonprofits -- a contribution which is matched by my employer. Add that to the additional 3 percent they contribute alliancebernstein just for kicks, and we're talking thousands of dollars in free money! alliancebernstein And those medical insurance options I so didn't need? Well, I've reversed my initial feelings on those as well. Johnny and I are now on my employer's plan: Not only is the monthly premium alliancebernstein less, but my deductible beats his, too. Once again, thousands saved. Cha-ching! With open enrollment alliancebernstein season in full swing, I welcome the opportunity to ensure I'm making the most of my benefits. alliancebernstein Should I enroll in an FSA ? Is it time to up my 403(b) contributions? How do I designate our new daughter as my secondary alliancebernstein life insurance beneficiary instead of my little sister? (Sorry, Jill -- you can quit plotting our demise.) So the next time you're tempted to yawn your way through a benefits meeting, down another cup of coffee and look alive. The last thing you want to do is leave a bunch of cash on the table next to your puddle of drool. Joanna and Johnny are the writing duo behind OurFreakingBudget.com , a personal finance blog documenting the joys, pains and realities of living on a budget. Here are a few popular posts from their blog: Our Debt Story He Says/She Says: IKEA Furniture Wait, Are We Poor?
Categoria: 403B , Actualitat , Family Money , Planning Amb l'etiqueta: 401k , advantia , advantia asesor , advantia assessors , advantia alliancebernstein comptabilitat , advantia alliancebernstein contabilidad , andorra , asesor , asesor contable , assessor alliancebernstein , assessor comptable , comptabilitat , comptabilitat andorra , comptable alliancebernstein , consultor , contabilidad , contabilidad Andorra , contable , creacio societats , economia , employee benefits , employer matching funds , first job , fiscal , fiscalidad , fiscalidad andorra , fiscalitat , fiscalitat andorra , flexible alliancebernstein spending accounts , impost de la renda de no residents , impost societats alliancebernstein , impostos andorra , impuesto de la renta de no residentes andorra , impuesto de sociedades andorra , impuestos Andorra , insurance , iva andorra , ley 20/2007 , ley 30/2007 , open enrollment alliancebernstein , retirement , retirement planning , societats anonimes , societats limitades
Repsol alliancebernstein aún cree que YPF vale 5 mil millones de dólares Destacados Hay razones confesables para tener dinero en paraísos fiscales? BME ganó 143,1 millones en 2013, un 5,7% más BBVA compra la startup Simple por 117 millones de dólares 18,68 % de los pisos en venta en Madrid cuestan menos de 100.000 euros After Market: Stocks Rally, S&P 500 Closes alliancebernstein In on Record High
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