JanetM

Mr.JoeM Here is some additional data from IRS http://www.irs.gov/retirement/participant/index.html

Your employers retirement schemes do not constitute an IRA. IRA is individual retirement account, set up by person for their sole benefit. IRS pub 590 explains IRAs.

Of course you can vest all amounts by amending the plan. Just watch how you word the amendment. example - all accounts in plan as of 01/01/05. That way folks who took distribution prior to that won't come asking for forfeited amounts.

Lori, many of my family are in law enforcement and they say it is caffine, nicotine, sugar and grease. I like to keep my diet simple, thus the bottle, can and keg. Makes shopping a breeze, but beer and kitty litter and I am done.

Just have them sign a waiver. That's what we do.

Gaglitm, you should have received a special tax notice that explained the taxation and penalties.

PATA, beer is three of the four food groups. Bottle, can, keg............

I say we track him down and chain him to the keyboard. We need you MIKE!

Thanks for the info Demosthenes.

I would list them with corporate stocks. Logic being they trade more like stocks than mutual funds.

Relius by Corbel is another. I got my 2004 software in mid November.

And blinky did it all while wearing roller blades on the beach.

In my experience you offer either a lump sum or to purchase an annuity. The annuity can start now or at a later date.

Blinky & Austin, thank you both for making that point. A little fun and levity serves to keep us all sane........

Thanks Kirk - 18 months? OMG that means I could still have a year to adjust. I just figure for the next few months I will always wear blue so the oxygen deprivation isn't as appearant.

opps make that altitude................

Am thinking that I am still getting used to the altidude here in the Mile High City. Thanks AndyH!

Keep in mind if you have no HCEs you automatically pass.

Maybe I need Lori's drugs.... still trying to figure out what SWHT means. Just sign me Dazed and Confused in Denver.........................

Doesn't the new spoouse have to be married to the participant for a full year before they are considered a spouse?

Accrued benefit is greater than $5,000. You must have consent.

Yes, I did post that after a vicious posting you made. The written repartee is amusing sometimes if it doesn't get out of hand.

It is too late to change 2004.

I am agreeing with Alf. If the return was filed before the due date that is now the due date.

You use the same group you used in the failed test.