Let's Talk About Retirement

Can we use IRA funds to buy back pension for city government?

Dolores — Mon, 08 Mar 2010 16:40:43 +0000

Bonny asked:

We have an IRA with sizable sum in it. Currently, my husband is buying back several years worth of his pension since he did not initially enroll in when hired. It is costing us almost $500 a month for the buy back, plus another $500 for the regular pension deduction. We still owe $20K to the buy back. Can we transfer money from our IRA to the pension to pay off the buy back without paying taxes on it?

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You belong to an unusual pension plan because your retirement payments will continue forever (and will go to y?

Dolores — Mon, 08 Mar 2010 15:26:28 +0000

Michael K asked:

You belong to an unusual pension plan because your retirement payments will continue forever (and will go to your descendants after you die). If you will receive $30,000 per year at the end of each year starting 25 years from now, what is the present value of your retirement plan if the discount rate is 5.5%?

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What is the name address and phone number for Laborers local 75 pension fund?

Dolores — Mon, 08 Mar 2010 05:14:11 +0000

Rocker1 asked:

Local 75 is in Joliet IL, I need to contact thier pension fund.

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How many years paying class 1 national insurance to get state pension?

Dolores — Mon, 08 Mar 2010 01:36:09 +0000

zak asked:

I have paid over 30 years of class 1 national insurance contributions (nics) and have heard that there is going to be a change in the number of qualitying years to receive a full state pension - being reduced from 44 years to 30 years. Does this mean I will still have national insurance deducted from my salary, or will I be able to stop paying it?

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Advisor — Sun, 07 Mar 2010 14:56:55 +0000

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If you work for a company long enough to become vested, will you recieve a pension check when you retire?

Dolores — Sun, 07 Mar 2010 03:29:26 +0000

cathysabala asked:

I worked for a company long enough to become vested. I have not worked for them in about 8 years. I recieved a check of what I had contributed to my retirement when I left, when I didn’t roll it over to a new employer’s account. Does this mean I won’t recieve a pension from them?

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How can a company keep your pension?

Dolores — Fri, 05 Mar 2010 00:24:26 +0000

NolaD asked:

When you work, doesn’t the company take money from your check and put it into an account for your retirement? That being the case, how can a company decide to keep your pension from you if they go bankrupt or just decide to discontinue pensions altogether? I know that companies contribute to your retirement as well as part of your benefits, but how can they withhold the portion that you contributed from your paycheck?
I am just curious about this because I have seen news reports about companies raiding pension funds (Like Enron) and I have seen reports of people working for companies for 25-30 years when the company decides not to give pensions any more. Isn’t that what people work for? Isn’t this why people STAY with the same company for 20 years? Companies use the fact that they have a pension plan to recruit people to work for their company so how could the pension be bad for the company and the country?
WOW! People are really snippy about a simple question which was posed out of curiosity about how companies can raid pension funds and how that is possible! Who knew people on here were so uptight!

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Advisor — Wed, 03 Mar 2010 14:55:50 +0000

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Advisor — Wed, 03 Mar 2010 14:55:49 +0000

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What causes red eye? In a dimly lit room, the subject’s pupil dilates, revealing more of the retina. The back of the retina has blood vessels over it, hence the red colour that is caused when the flash bounces of the back of the eye.
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On cameras where the flash is close to the camera lens (as it almost always is), the light from the flash shines through the dilated pupil, bounces off the retina, and reflects as a red circle directly back into the lens. (the same thing happens to animals, too, except that the colour is sometimes green or orange instead of red.)
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The solution is to move the flash away from the camera lens or use bounce flash. That way, the reflection from the retina doesn’t bounce directly back at the camera. But on a camera that fits in your pocket, its not practical to achieve much separation of flash and lens.
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Since camera manufacturers couldn’t move the flash away, they went to Plan B: firing the flash just before the shutter snaps, in theory contracting the subjects’ pupils, thereby revealing less retina.
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Unfortunately, it doesn’t work very well, and you may end up with red eye anyway. The other problem is that some people see the pre-flash as the picture being taken and then move while the shutter is open. Not a good result.
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Basically you have three ways out of red eye. You can turn up the lights to help contract the subjects pupils. You could also use a camera that accepts an external, detachable flash. And if none of that works, remember that you can edit out red eye on your computer, using for example, the red eye reduction tools offered in many photo editing programs.
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Advisor — Wed, 03 Mar 2010 14:55:48 +0000

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