Need to rollover a 401k? This type of retirement account is one of the most popular employer-sponsored investment plans out there, with employees depending on this money for their retirement. But what happens if you lose your job? What do you do with that money and where does it go? Should you lose or quit your job, you’ll be faced with a few different options. While you could elect to cash out your 401K plan, you can get quite a hefty penalty and you’ll also have to pay taxes on the amount you cash out because it is considered income. But on top of this, you’ll also lose a ton of money that you could have potentially earned from those savings. Another option is to leave your 401k retirement savings with your employer, which may seem look a good option if you don’t know what to do with it. But this also poses plenty of problems in itself, most of all, draining your finances with fees that you may not even be aware of. In the end, the best option is to do a 401K rollover.

To eliminate the many drawbacks of leaving your 401K retirement plan with your former employer or cashing out, opening a rollover account will allow you to continue saving for retirement easily and effectively. The best way to rollover your 401k is to place your savings into an individual retirement account, also called an IRA. Funds from your 401k can be sent straight into your IRA account without losing the money to any fees or penalties, because you are not yet actually acquiring the funds. Transferring is easy in itself, requiring only a third-party administrator to handle the transfer for you. Providing any necessary information about the account, as well as your social security number, the administrator of your IRA can directly deposit your investments.

If you don’t want someone else handling the transfer, you can do it yourself. You can do an indirect rollover by getting a check of your retirement savings and depositing the money directly into a IRA account. You’ll have 60 days to do this without any penalties or fees. There is however a 20 percent withholding requirement. For the actual opening the IRA rollover account,  there are no fees nor are there fees for maintaining it. Should you need to withdraw money from your IRA rollover, you can do so without penalty unlike a 401K, although there will be taxes.

Once your money is into an IRA rollover account,  there are a ton of advantages you’ll have. Most of all, your money will be able to continue to grow rather than stay the same amount as it would if you left your 401k with your employer. You’ll also have the advantage of being able to make contributions. If you have multiple retirement accounts, you can consolidate the accounts into one IRA. Your IRA provider may be able to help you with investment guidance and provide you with any necessary tools that would be of value to you. The top 401k rollover options can be found at investment companies like Charles Schwab, Fidelity and TD Ameritrade. 

Businesses need to save money wherever possible. Business internet service providers have gotten competitive and are known to really roll out the red carpet for customers, providing much more robust services at a better price than could be had in any home internet package. Now business owners can reach their customers without paying too much. The three best business internet service providers include Verizon Business Internet, Comcast Business, Frontier, and AT&T. Read on to find out more about these business internet services, along with features and pricing, detailed below.

Business.org has rated Verizon Business Internet as the best service provider for businesses in 2020. Geared toward smaller businesses, the fastest Verizon plan offers 10 Mbps for multiple employees at just $64.99 per month. The service is recommended for online-based businesses with eCommerce and ordering. After a year, the price will go up to $99.99 per month. Other tiers scale down the speed but specialize in tasks such as large file transfers. The base service for businesses starts at $47.99 per month and offers 3 Mbps for light internet use. All plans are for two years, but no-limit equivalents are also available as marginally higher rates. Once purchased, Verizon will install equipment and provide customer service 24/7. There is also a 30-day buy-back guarantee if customers are in any way unsatisfied with the service.

Comcast Business Internet provides more power and speed for businesses that are bigger, more complex, and require the internet for more aspects. There are Starter, Deluxe 75, and Starter+Phone products for small businesses of just 1-2 people, ranging in price from $69.95 to $99.90 per month. The bigger plans, with speeds up to a gig to cater to a team of employees, come with quoted prices depending on the company's geographical region. Comcast can bundle powerful internet, a business phone line, and TV at discounted prices for businesses with dedicated customer support agents working around the clock to ensure reliability of service. Like Verizon, Comcast will take care of the installation and initial setup, and will provide all of the equipment needed to get all users of the service online and running fast. Some of the frustration with Comcast customer support will be avoided, as business accounts get a reported better level of care by Comcast and don't experience the same hassling offers to upsell services.

A couple more business internet service providers are Frontier and AT&T, who both don't have prices listed but will send a quote upon request. Frontier was rated as the second-best business internet provider by Business.org with 4 stars out of 5. Reviewers were particularly complimentary of the 36-month price guarantee, which cannot be found with most business internet service providers, who largely guarantee a price for one year and raise it the next. Frontier also has higher-speed options available to help bigger businesses than some of the mobile companies, such as Verizon, can provide. AT&T's plans were rated at 4 out of 5 stars as well and allow for a lot of customization. Up to 500 Mbps are available for businesses through AT&T, with services such as secure WIFI, downloading and streaming, video conferencing, SAAS and Cloud apps, and allowance for a high volume of users. AT&T also bundles phone and TV services for reduced prices to businesses.

Lincoln is a name that is known for delivering excellent comfort, style, and longevity. Their vehicles are built to last for many years and feature a design that is unmistakable. The 2019 Lincoln lineup is packed with exciting technology, sleek styling, and safety features that make you feel at ease on the road. If you are in the market for an upgrade to your current vehicle, you owe it to yourself to check out some of the top 2019 Lincoln models and see for yourself what they have to offer. There are also some great deals that are attractive to buyers that make owning a Lincoln even more appealing. Keep reading to discover more information about this year’s new lineup. Lincoln’s best models of 2020 include the The Lincoln Corsair, the Lincoln Aviator, and the Lincoln Navigator.

The 2020 Lincoln Corsair is a nimble and versatile compact crossover that combines modern technology with classic Lincoln style and substance. This is the perfect option for people who want comfort with the convenience of a crossover. The base model starts at $35,945 and gets competitive gas mileage for its class at 22/29 on average. It features seating for five and has plenty of thoughtful, convenient touches for passengers, too. When it comes to performance, Lincoln is known for delivering a powerful, smooth ride. The 2020 Corsair is no exception with a standard 2.0-liter turbocharged engine that delivers 250 horsepower. There is also the option to get the 2.3-liter turbocharged engine with the I-4 engine that has 295 hp. The newest technology and safety features on the Corsair include Active Park Assist Plus, Reverse Brake Assist, cruise control with Traffic Jam Assist, and more. Enjoy your drive with the new Corsair!

The 2020 Lincoln Aviator is mid-sized SUV that has plenty to offer, including top of the line technology, impressive safety features, and luxury. It is agile and streamlined to provide the driver with eye-catching style and comfort, This SUV is perfect for families or those who want the ability to go anywhere and have plenty of space for cargo and passengers. The base model starts at $51,100 and has seating for up to seven, with fuel economy of approximately 18/26 miles per gallon. Some of the Aviator's technology includes adaptive cruise control, Lincoln Co-Pilot 360, optional 28-speaker Revel Ultima 3D Audio system, speed sign recognition, intelligent mode with front facing camera, stop and go restart, Traffic Jam Assist, and much more.

The 2020 Lincoln Navigator - our absolute favorite Lincoln of this model year - is known as one of the most luxurious and feature-packed SUVs on the road today. It has always been a model that offers prestige and comfort. The 2020 model has the classic Lincoln sophistication along with all the technology and safety features you need to make your time on the road more enjoyable. You can purchase the Navigator for $73,205 to start, and it features seating for 7, which is perfect for larger families. It also has a fuel economy of 16/23. Under the hood it has a 3.5-liter turbocharged engine that can deliver up to 450 hp on demand. It has third row seating and is spacious and roomy for a comfortable ride. It also features a 4G LTE Hotspot and the latest technology. With features like these, it’s no wonder why reviewers are raving about the Navigator!

When it comes to comfortable and affordable cars, seniors deserve the best. Choosing one of the best new cars for seniors means to consider each driver's unique needs. Fortunately, there are many cars that take these needs into consideration, from the ergonomics of getting in and out of the car to advanced safety features to above-average visibility. Other considerations are infotainment systems that are easy to access, climate control systems that are simple to use and engineered for maximum comfort, and easily adjustable seats. However, buying an affordable car for an older driver doesn’t mean pouring money into a boring vehicle. The latest affordable options have some power, spark, and style! The three best affordable cars for seniors include the the Subaru Forester, the Kia Soul, and the Honda Fit. Read on to find out what you need to know about the best new cars for seniors.

For seniors who want to feel safe and secure, the Subaru Forester is an obvious choice. The chair-like front seats provide an optimal vantage point for increased visibility, and side and rearview cameras help seniors see all around the car. All-wheel drive comes standard, and additional safety features now offered include lane departure warning, lane keep assist, blind spot monitoring, rear automatic braking, rear cross traffic alert, and pre-collision braking. Other standard features include the Starlink infotainment system with a 6.2-inch touchscreen that is easy to use, a USB port, Bluetooth, a height-adjustable driver seat, and a 60/40-split folding rear seatback. The Forester is also affordable, with a fuel economy that tops out at 26 mpg in the city and 32 mpg on the highway. Starting at only $23,000, the Subaru Forester is an excellent value for seniors!

The new Kia Soul is packed with personality without sacrificing comfort or safety. The cabin offers spacious headroom and legroom, with doors and seats that are easy to get into and out of. The large trunk is also easy to access, making it a snap to load and unload. The overall safety rating of this ideal car for seniors is five out of five stars from the National Highway Traffic Safety Administration. Advanced safety features are available, including a rearview camera, forward collision warning, lane departure warning, blind spot monitoring, and rear cross traffic alert. The new Soul gets an impressive 25 mpg in the city and 30 mpg on the highway. With a base model starting at only $16,200, the Soul is one of the least expensive vehicles for seniors.

A smaller car, the Honda Fit is an excellent choice for seniors who want a vehicle that's fun to drive without sacrificing high safety scores. Even the base model offers an abundance of standard features, including an upgraded infotainment system that supports Android Auto and Apple CarPlay, a rearview camera, remote entry, driver-seat height adjustment, a 5-inch display screen with Bluetooth, and a 60/40-split folding rear Magic Seat. The Magic Seat provides a level of versatility that other vehicles of its kind cannot match, as it can be positioned into a number of configurations for different amounts and kinds of cargo. In addition to the rearview camera, safety features for seniors include lane departure warning and intervention and forward collision warning with emergency automatic braking. The Fit is also a good choice for fuel economy, offering 30 miles per gallon in the city and up to 40 mpg on the highway. Starting at around $16,000, the Honda Fit is an excellent vehicle for seniors.