1/19/2013

Balance transfer to save money on interest - http://beingfrugal.net/pay-down-your-credit-card-debt-faster-with-a-balance-transfer/

Amend tax income tax with 1040X.

SEP IRA - http://www.moolanomy.com/1267/sep-ira-simplified-employee-pension-plan/#ixzz2L7fcDD4W

Advantages of SEP IRA

• Contributions to SEP IRA are deductible for income taxes purpose.
• Your investment grows tax-deferred until withdrawn.
• Wide investment options similar to Traditional IRA and Roth IRA.
• Easy to set up. Any brokerage firm or financial institution will be able to assist you.
• You can contribute to SEP IRA in addition to other retirement plans, such as 401(k), Traditional IRA and Roth IRA
• No phase out limitation regardless of your income.

Medicare is a Federal program designed to cover health care for people age 65 and older, or younger people that qualify. It focuses on medical acute care, and only covers medically necessary care. It doesn’t pay for most long-term care services. Some exceptions include limited skilled nursing facility stay, hospice care, and home health care.

Medicaid is a joint Federal and state program that helps pay medical costs for people with limited incomes and resources. The exact coverage varies from state to state. Most often, eligibility is based on your income, which means that you must use up your personal assets before you qualify.