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The longer you wait, the less the surrender penalty will be. Usually annuities have between 3 and 10 year surrender periods from the time you start that decreases each year. Most of the time you can take up to 10% out each year with no penalty.
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Not sure exactly what you mean, but our mutual funds that we use with our clients have no minimums, which is hard to come by. Let me know if you are interested.
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You need to contact the factory directly. If you want to roll any of the money over to avoid taxes, let me know and I can help you with that.
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You can definitely set up a trust to fulfill those purposes. I help people to set up trust accounts and specialize int the investing part of the account. Contact me anytime.
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Not sure what you mean, but if you are in need of financial, investing, or insurance help, feel free to give me a call anytime.
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Ok, I am guessing you have a 401k through work? If it is a work plan you need to contact the business manager at your place of former employment. If it is separate from work you need to contact whoever set up your account initially.
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Without a beneficiary you will have to battle out who gets the asset in court through a process called Probate. The court will then give paperwork to the awarded party of her assets that you will then be able to present to the financial institution. Find ...(more)
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Tunc Tanin Level 10
If your credit score is good, you can try refinancing through sofi or purefy. They require great credit but they may lower your interest rate. Check them out
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Paul H Barlow Level 1
First you need to contact your HR department or the 401k administrator of your plan. Typically hardship withdraws are limited to paying medical bills or disability issues. Another option is to request a loan against your 401k plan that you pay back ...(more)
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Peter C. Karp Level 20
Molly, I am sorry to hear you are experiencing a hardship. You will need to contact your employer’s HR Dept. and get a copy of the Summary Plan Description (SPD) to determine: 1) if there is a hardship provision in the plan & the requirements to ...(more)
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Herbert N Glass Level 18
A hardship withdrawal feature is common in 401(k) plans. However, for a participant to qualify for being able to make a hardship withdrawal, two things are necessary. They are: (1) Your 401(k) plan must contain a hardship withdrawal feature, and (2) ...(more)
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Peter C. Karp Level 20
Hi Melanie You didn’t indicate what state you live in or what type of unclaimed money you are looking for. The state controller's office sends out unclaimed property notices annually. Often those notices don’t reach the property owner. To find out if ...(more)
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Larry R Frank Sr Level 20
Hi Melanie, you didn't state what kind of money you're trying to find ... your money, an inheritance, or a retirement plan. I have a couple of blog posts with links to various resources (and other links in those blog posts comment sections). Please take ...(more)
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You can look up money that has been turned over to the state (unclaimed funds) by visiting http://www.missingmoney.com/. It will help you locate funds in any state. Good luck!
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Kathy A Weaver Level 1
Your new employer will need to give you a rollover form stating that they will accept the funds from the old plan. Once you get that form signed, send it to your old employer 401k plan with instructions to roll it into the new plan. And, your old employer ...(more)
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