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If your employer offers a Personal Savings Plan, such as a Retirement IRS, you should seriously consider contributing each month.  The payments will be made via  payroll services and any size business can easily set up the scheme for its employees.  It’s a simple idea in which the employee receives money at retirement, depending on the funding of their Personal Savings Plan.  So, once the employee establishes his wish to join the scheme, he can set up a Traditional IRA Plan and authorise the Payroll Services to deduct the appropriate payment, each month. [Read more...]