How To Appy For Retirement Funds
The quest for securing money owed to you will often leave you scratching your head at a later age when you are wondering how to apply for retirement funds. But, you shouldn’t be dismayed nor should you ever give up. Instead, you should just know the basic topics of rhetoric that will no doubt hit you square in the face as you pursue your goal of applying for retirement funds. First, be assured that this cash belongs to you, and secondly, be persistent with your demands.
- Know this money is yours. Whether it’s a pension, Social Security benefits or other deferments owed, it should first be known that you probably have something coming to you. So don’t be docile in going after it. Chances are you’re not illiterate (since you're reading this), and you're probably not stupid either, so don’t allow a disembodied voice on the telephone to tell you otherwise.
- Where’s my money? Chances are that at some point you’ve received instructions from the various organizations you’re involved with concerning how to apply for retirement funds. So if you go through the stacks of random household papers you have piled in random drawers and desks, you’ll probably find proper instructions on how to proceed. But if this route fails you, don’t be discouraged. Just move ahead by employing common sense. For example, if you’re seeking Social Security benefits, you should look in a phone directory or online under simply Social Security. Or, as another example, when seeking non-governmental funds you’d go with something such as Teamsters Pensions. Then, after finding a general switch board or office number, simply dial-up and tell the operator your needs. But be prepared to be transferred many times before getting in touch with the department you’ll need to deal with concerning your needs.
- Retirement plans often vary. It should be understood that the term IRA does not refer to a one-size-fits-all situation. For example, the Roth IRA contains elements that are rigid concerning federal rules and regulations, but the process involving the claiming of its funds can vary widely. More specifically, the process involved when applying for retirement funds brokered by Charles Schwab will more than likely be different than those where Fidelity Investments is concerned. So, to reiterate, if you go through the stacks of random household papers you have piled in random drawers and desks, you’ll probably find proper instructions on how to proceed.
- There’s a lot of double-talk out there. It’s best to remember the adage going in that “The difference between a lawyer and a catfish is that one’s a bottom-dwelling scum-sucker and the other’s a fish.” In other words, understand that if there’s anything you are told that makes you feel confused, consult your local bar association before continuing. They can refer you to an attorney who will work for small fees or on a minor contingency basis on your behalf. (Otherwise you might choose to, instead, employ a magnifying glass and thesaurus while perusing the fine print of the paperwork you’ve retained concerning your situation while learning how to apply for retirement funds.)
- The word is “no.” Whether they be state, federal or private funds that you have coming to you, chances are that they will be denied you by the first (second, third and so on) clerk you communicate with in learning how to apply for retirement funds. But by no means should this cause you to give up. You should instead adopt a persistent approach in pestering everyone you possibly can until you get what you’re owed.