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Newspaper
Syracuse Herald Journal
Location
Syracuse, New York, United States of America
Date
Dec 02, 1996
Page
17
If a family has 100000 in cash it still may not cover needed income replacement. To replace 40 000 yearly income at 8 percent you need 375000 in life insurance plus debts and education costs. Include both spouses earnings and consult a pro like Gary Smith of Massachusetts Mutual in Syracuse.
A consumer guidance column explains bank holds on deposits beyond three days, factors extending holds, and how to avoid overdrafts. It urges asking banks about out of area and ATM deposits, and to request refunds for returned check fees. Contact details for Consumer Credit Counseling Service of Central New York are provided.
Consumers should check a store’s refund policy before purchase and retain receipts. Merchants must disclose policy locations and terms for sale items, returns without receipt, time limits, and refund forms. If no policy exists, cash or credit refunds must be offered within 20 days. Seek BBB guidance for help.
The Syracuse Ad Club invites members to an 8 to 9 15 a m meeting in the Nee Mohawk headquarters auditorium 300 Erie Blvd W Syracuse. Geoffrey Fox of Syracuse University will discuss Internet World Wide Web technologies and ad industry implications. Admission free for members. $2 or $3 for non members. registration via hotline 468 4627. FRIDAY Greater James Street Business Association holds 8 15 a m meeting at Bryant Stratton 953 James St Syracuse with speaker Mark Ellis city retention team. Economic development update and new officers to be announced. breakfast costs 5. Contact Gloria Hartman or Pat Williams for details.
The article explains how after-tax 401(k) contributions grow tax-deferred and notes penalties only apply to earnings on withdrawals. It covers rules for rolling over earnings, converting to IRAs, and exceptions for stock contributions, unemployment, and plan loans. It compares long-term returns of 401(k) versus taxable accounts and highlights investment rate and tax brackets.
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