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The new Pension Protection Act restricts lump sum payouts each and every pension plan is less than 80% borrowed. This October 2009 may be the deadline for businesses to update the funding status of their pensions. Any business that is underfunded will allow workers to only receive a portion of the amount in a lump sum, with the other half being an annuity. Plans that are less than 60% funded are compelled to freeze for provide an annuity to workers.

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One of the worst anyone can do is sell real estate contracts without having it in creating. Always demand an itemized purchase agreement stating buying price, contingencies, and other essential details.

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