They are:regular and roth. They were started in different years.

my mom died and left me as the beneficiary on her ira and the funny thing is, is that she left me out of her will and gave everything i was going to get to my sons. now i get the money from the iras, i know that, but do those ira’s still have to go though the lawyer or can i just take them and cash them in?

I asked a question earlier, but I’m still unsure as to which I should choose. Right now I’m 25, single and have a savings account. I’m looking into an IRA for retirement…thinking long term here(30+ years). My Credit Union offers both Traditional/Roth IRAs, and Tradtional/Roth CDs. I’ve read about the advantages and disadvantages to both types of IRAs but I’m nervous about picking the right one for my needs and the future. The pre-taxed Roth seems great, but what if I get married and we make over $160k?(With my current career path it may be possible) and I’ll likely be in a lower tax bracket upon retirement. Any suggestions?

tax our 401(k) retirement accounts and other retirement accounts into oblivion? Should we allow this and trust Congress to do what is best for us and the country, or should we take other action in our “democracy”?

http://www.investmentnews.com/apps/pbcs.dll/article?AID=/20081007/REG/810079894

Since there are a lot of possible variables, here’s my situation. I’m not planning on dying, just trying to figure how much life insurance I should have and what I can do ahead of time.
Single. Live with both parents. No dependents.
10k student loans
10k ING savings
10k stocks
2k IRA
2k credit card debt
4k car in my name

So far I’ve learned on Sallie Mae.com that student loans are eligible for discharge upon death. Good reason not to pay them off when you have a nice 3% interest rate.
Now, I’d like my parents to be able to just take my car, savings/checking accounts (they have the same bank), Roth IRA, and stocks in the event of my death. How can I allow them to do that?
Which of my debts become null? And what accounts can they claim without any effort? What can I do to make things easier for them? Also, how do taxes come into effect.
I hope others may find your answers useful as well.
Sallie Mae website about loan discharge.

http://www.salliemae.com/after_graduation/manage_your_loans/borrower_responsibility/understanding/discharge.htm

I would like the names, of theses plans and are they Guareented

Before you dems get too riled up, consider: FDR confiscated gold during the depression. He paid people with US dollars, which he promptly devalued:

http://www.fgmr.com/confiscation.htm

Facing a worsening liquidity crisis, do you worry that Obama would confiscate our retirement accounts, giving us a devalued promissory note in return?

Is there a downside to owning many IRA’s? Can I have a mixture of Roth and standard IRA’s? Is it permissible to have, say, 2 standard IRA’s and 3 Roth IRA’s each in different investments?

Then people could use their own money to make ends meet, cover expenses after unemployment runs out or transfer funds from losing mutual funds to pay down high interest credit cards and 2nd mortgages.

They always talk about our money… we’ll it’s mine and I need it NOW!!!

Yes, I know this would be like a run on the bank, but they don’t deserve to be trusted with our savings any more !!!!!!!!!!!!!!!!

I have two different IRA accounts with over 5K in each one. Is it possible for me to withdraw $5K from each account or should I consolidate them first then withdraw $10K ?