Yes, I hear you ND. I'm sorry.

My invoices are much smaller than yours, ND, but yes, it is so damn frustrating to have clients you have to basically shake down for payment every single month. I budget for my monthly expenses, and they damn well should, too.

Ugh, that sucks ND. Like, you know they have the money why can't they do the bills? I hope some of it has come through this morning :(

When it's just me it's one thing, but this time it spilled over onto my staff. I had to delay my part time payroll. It's the first time in more than a decade of operating the business, but still, it's gut wrenching. It looks like the payroll will be able to process tomorrow based on the ACH information that I'm getting now, and then I need to get my full timer payroll squared away which is due this week, and then hopefully be squared away for the PT payroll for this Friday.

So much stress.

Oh, man, Noise, that's awful. I'm so sorry.

I have a question that I really should know the answer to, but I don't. It's 5 years since my old company was sold, and there's still a financial planning company managing my old comapny-sponsored IRA. My question is -- the IRA is mine, so...can I just "fire" the financial planning company and manage it myself? Is there any reason I need the financial planning company to administer it? Since my old company no longer exists and therefore no one can make contributions to the IRA, the IRA is just hanging out.

I know I need to roll it over into something different, but then I can just tell the financial planning company I don't need them, right? Or is there something I'm missing here? I don't have a ton of knowledge in this area.

t edit I really tried to google this, but the combination of terms I tried all led to pages telling me how an IRA works, which I already know. I just need to know if I need this company to administer the IRA, and if not, what do I do to end the business relationship and take over the thing myself?

I am pretty sure you can roll over IRA monies from any IRA account to any other IRA account by contacting the plan administrator and asking them to do it. Do you already have another IRA that you handle yourself (like at Vanguard or something)? If so I suspect it's as easy as calling the financial planning company, saying, "I want to roll over this IRA's funds into my Vanguard IRA, what paperwork do you need" and doing it. (The financial planning company may try to talk you out of doing this, but I don't think they can actually prevent you.)

Edit: once the money is with Vanguard or whoever, you are done with the original company for ever.

Do you already have another IRA that you handle yourself (like at Vanguard or something)?

I don't, dang it. Though I could real quick open one up and then have them roll the old IRA into it and be done.

Yes, you can roll an IRA into an IRA at a different place that you open. Make sure to do what flea says and find out what you need to fill out in order to get it directly from one company to the other, without involving you. Otherwise, the IRS will want you to pay taxes on it.

Right, the first company should not be mailing you a check personally. The money should go directly from them to the new IRA.