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This past weekend plans went off without a hitch, at least on saturday. We enjoyed the Big Flea (noting that people who rip apart old books and matte the pictures in them make a killing!!), made it to Sunflower where much fake meat was consumed, and then arrived in the nick of time to see Der Golem. For those who attended and enjoyed the music, I think John is going to upload the tracks or sell CDs on cafepress, FYI. Sunday was less on target as my classmates bailed on me and I spent 2 hours at the library studying alone.

I've gone ahead and made a LJ feed from my Twitter account so you can be privy to the 140-characters-or-less witticisms or complaints or what have you that I generally send from my phone when I'm trapped. I doubt any of you will add it to your friends list, but there it is!

And now something you guys can help me with: I have an overabundance of furniture (and other things) (but for now, chairs). I am ready to part with two of my kitschier finds which take up a little too much space in our small house. So, if you are interested, please consider taking one or both of these chairs into your home:

1. The Barrel Chair Yes, a chair made from a barrel. Only downside is that it's heavy.



2. The Faux Eames Chair Pretty Self-Explanatory. Lacks footrest. Has a few scratches.



Please, someone, give them a new home.

In band news: Our bassist, my friend from rock camp Olya, is leaving. She is moving to San Fran, and her house sold within a few days of being on the market, so that's not going to delay her. As of December the Jelly Sharks will be looking for a new bassist. Any bassists out there want to be in a band? Anyone want to learn the bass really quick? I am worried I will soon be the only girl in the band.


I am trying to figure out a way to make it so that I will pay bills on time. I need a system that promotes timeliness - I have the online thing going on making it easier, but I seem to get around to it every other month, instead of every month. I am still loath to set up automatic payments for fear of a spiralling miserable overdraft situation, unless someone convinces me otherwise. Maybe I'll try putting a monthly thing on my google calendar? If only I could access that from work. *dark looks* If any of you have bothered to read to this point, how do you ensure that you pay your bills on time?

Finally, I now have 2 401ks I need to roll over into my new 401k and I am discombobulated about how to do this. I should be worried that the Qwest one is going to asplode soon and make me pay taxes... I wonder why it hasn't yet? Has anyone successfully rolled over a 401k? What should I expect in the way of obstacles?

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Comments

serendipity9000
Nov. 8th, 2007 03:14 pm (UTC)
On the 'paying bills on time' front - I have divided mine between those that autopay every month (generally all the ones that have a fixed amount so they are predictable) and those that I basically pay as soon as they arrive (all the better to not forget about them). The big exception to this is any large credit card bills which I often DO put in my google calender to ensure I pay them before my grace period is up each month. Small credit card bills I just pay right away.

About your 401k. My best knowledge is that you can leave your old 401ks right where they are forever.. you just don't get any extra choices about how to invest the money beyond whatever the old plan offered you. I think there might be a time limit on when you can rollover into your NEW 401k - but I believe there is NOT a time limit on rolling your old 401ks into an IRA. The benefit of this is that you get to pick which company you want to use - and pick what sorts of investments you want to use for the money in the IRA. The only BIG no-no about pulling money out of on old 401k (to my knowledge) is pulling the money out without it being a rollover into something else. If you pull the money out and put it in your pocket - then Uncle Sam gets involved and taxes you on all that money that used to be tucked away where he couldn't see it. This page has a good summary about the options: http://beginnersinvest.about.com/od/401k/a/aa122104a_2.htm
snidegrrl
Nov. 8th, 2007 04:33 pm (UTC)
Interesting. I always thought that when you left a company, they would disburse your retirement junk if you didn't roll it over in time. Maybe that was just Digex/Intermedia/Worldcom.

I know you're not supposed to just take money out - and I have no intention of doing that - but I thought it was better to have it all in one place. I just don't know what the first step is for rolling it. :P
omphaloskepsis
Nov. 8th, 2007 06:18 pm (UTC)
I've found it will only disburse if your account falls below a certain level - the digex one was a magical threshold of 4 or 5 thousand dollars. I found this out when the market tanked and I got a mysterious check.


I already had IRA accounts with Etrade, but I think the same would be true for any broker. What I did is went to etrade and say - I want to open a rollover IRA. The opened the account and said I could either tell my current 401 k to transfer the money directly to them, or I could get a chanck and mail it into etrade. I then contacted my 401k company and said I want to roll the money over. It was something I avoided for awhile because it seemed complicated, but ended up being easy once I actually got started on it.