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When you leave a job , you might forget to move your retirement plan. If you've had multiple jobs throughout your career, there's a chance you have one or more 401(k)s or other retirement plans that you don't know about. A new federal initiative could help you locate forgotten retirement money. Passed in December 2019, the SECURE 2.0 Act contains a list of provisions to help more people save for retirement . One part of this legislation directed the Employee Benefits Security Administration, a part of the Department of Labor, to build a database so we can search for lost retirement accounts. Congress gave the department a deadline of Dec. 24, 2024, to establish this database. The EBSA began reaching out to retirement plan administrations in November with a notice to collect information to help fill out this database. "Our goal, which we believe plan sponsors and administrators and their service providers share, is to make sure that workers and their beneficiaries receive all the retirement benefits they earned," Lisa M. Gomez, assistant secretary for EBSA, said in a Nov. 18 statement . This database isn't live yet, and experts aren't sure if it will be up and running before the end of the year. "I would guess that the deadline won't be met," said Chad Gammon, CFP and owner of Custom Fit Financial . "The amount of data to go through would be quite a bit for it to be completed on time." We'll keep you updated with next steps once the database does launch. For now, here's everything you need to know about the benefits of this database, how to find an old 401(k) now and tips to help you decide what to do with an old retirement account. How will this database help? It can be frustrating to try to track down old retirement accounts, particularly from companies that no longer exist, were sold or don't have much of an online footprint. The federal retirement account database plans to make it easier to find any old accounts that belong to you so you don't miss out on this money. "It is fairly common for people to forget about retirement accounts that they opened in their 20s and then remember about them 40 to 50 years later," Gammon said. "By providing an easy way to check, it would help find a lot of abandoned accounts." Read more: I Can Retire Early After Paying Off $300,000 in Debt. Here's How I Did It How can you find an old 401(k) account now? Once live, this database should make it easier to track down old retirement accounts, but you have other options if you're trying to locate a plan now. If you think you're missing a retirement plan, you can start by calling the human resources department of your former company or the new company (if your company was bought out). Ask for the contact information -- name, phone number and email address -- of the 401(k) plan administrator and then reach out to the administrator to ask about your old account. You may have to be patient and persistent. If your former company no longer exists, this process is a bit trickier. Start by searching your records for old 401(k) statements. If you're living at the same address, you may still be receiving statements for active accounts -- also check your email if you receive statements electronically. If you don't live at the same address and can't find any old statements, it gets even harder, but don't give up. There are a few ways to search for abandoned 401(k) accounts online. Gammon recommends starting with the National Registry of Unclaimed Retirement Benefits , a free, nationwide database maintained by Penchecks Trust. All you need to provide is your Social Security number. If that doesn't work, try FreeERISA , a database of Employee Retirement Income Security Act form 5500s, which are annual benefit reports that companies must file every year. You have to register to use the site, but it's free. FreeERISA might also be able to help you find a 401(k) that's been rolled over into an IRA. The Department of Labor also has a few search tools that can help, including its own Form 5500 search and an abandoned plan database , which contains information about 401(k) plans that have been terminated. These two databases aren't the most extensive, and they're not always user-friendly, Gammon said. There are also paid services that can help with this task, such as MeetBeagle and Capitalize . Just watch out for sneaky fees. What should you do with the money in an old 401(k)? If you find a 401(k) you forgot about, you have a few options to consider: If you don't make plans for your retirement money, it will likely remain in your existing account. It will still accrue interest and continue to grow, but since you won't be able to contribute to it, you'll miss out on earning even more in compounding interest . You also may be charged monthly or annual maintenance fees to maintain your account. This might still be a good option if you're in between jobs or not yet eligible for benefits at your new workplace. But be sure to keep track of important account information, including the plan provider, its contact information and your account number. Check statements regularly for any updates to the plan. In most cases, it will make sense to roll your 401(k) or IRA into your new employer's workplace retirement plan. As long as you roll it into the same type of plan (pre-tax versus post-tax), there won't be any tax penalties for doing this. If your new employer doesn't offer a 401(k) option or you're between jobs, you can also move your 401(k) into a traditional individual retirement account (IRA). A traditional IRA has a lower contribution limit than a 401(k) -- $7,000 for an IRA compared with $23,000 for a 401(k) in 2024 -- but both reduce your taxable income . You can roll over your old account online, over the phone or via live chat, depending on the plan provider. In some cases, you might receive a check from the old provider, which you'll need to provide to your current retirement plan within 60 days to avoid tax penalties . Think twice before rolling your 401(k) into a Roth IRA. 401(k)s and traditional IRAs let you contribute pre-tax dollars, while you contribute post-tax to a Roth IRA. If you roll your 401(k) into a Roth IRA, you'll be on the hook for paying taxes on the amount you transfer come tax season. You might decide to cash out your 401(k) when you leave a job, but experts urge against this. If you do that before you're 59 and 1/2 years old, you could face a 10% tax penalty and will be required to pay income tax on the lump-sum amount. If you have less than $1,000 in your retirement account, it might automatically be cashed out. Plus, you'll have less savings when you reach retirement age. If you have less than $1,000 in your retirement account, it might automatically be cashed out. Still have questions? Talk to a financial adviser or accountant about your options and tax considerations before deciding what to do with your money.
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Four districts in southern China on Friday formed a pilot framework under which connected cars will be mutually recognised, a mechanism designed to allow autonomous robotaxis to travel across cities. The Nansha district of Guangzhou, Shenzhen’s Qianhai and Bao’an districts, as well as Hengqin, an island co-administered by Zhuhai and Macau, agreed to the connected vehicle programme that will “mutually recognise qualifications, open roads ... and synergise regulation” to “further connect the Greater Bay Area”, according to a statement from Nansha. After having registered and been certified in one area, autonomous driving cars can conduct rides on open roads in the other regions, according to a WeChat post from Guangzhou-based self-driving developer Pony.ai, one of the four companies accepted into the pilot. The company added that the programme would help expand its robotaxi service to airports and railway stations across different cities, and allow its self-driving trucks to operate cross-city cargo trips. The three other companies that joined the pilot were Baidu’s Apollo Go, ride-hailing platform Chenqi Technology, which also runs robotaxis and is backed by Shenzhen-based Tencent Holdings and Guangzhou-based carmaker GAC Group, and Cowa Robot, a start-up that produces automated cleaning and delivery vehicles, including robotaxis. The move is part of Beijing’s efforts to coordinate development of the Greater Bay Area, a project launched in 2019 to link some cities in Guangdong province with Hong Kong and Macau. Several major Chinese cities, including Beijing and Shanghai, have encouraged testing of self-driving technologies on designated roads, but they each implement their own rules and regulations, and the smart cars cannot travel to neighbouring cities.No. 11 Tennessee crushes UTEP to enhance CFP chances
The Awami Ittehad Party (AIP) Saturday appealed to the Members of the Parliament to raise their voice for the release of fellow parliamentarian and party chief Sheikh Abdul Rashid. Addressing a press conference here, AIP vice president G N Shaheen said Rashid alias Engineer Rashid “was summoned to Delhi and detained under false and baseless charges” on August 5, 2019, the day Article 370 was abrogated. “Despite being held in custody, he contested the parliamentary elections, won with a massive mandate and became the elected voice of the Baramulla constituency. However, since taking his oath as a Member of Parliament, he has not been allowed to attend even a single session of the Lok Sabha,” Shaheen said. He said the Baramulla constituency consists of 18 assembly segments and accounts for nearly 40 per cent of Jammu and Kashmir’s population, and from 2008 to 2018, Rashid “fearlessly served” his people, voicing their concerns and aspirations without compromise. “Yet today, the same voice is being silenced under the pretext of incarceration, denying the people of Baramulla their rightful representation,” he added. The AIP leader urged all parliamentarians to rise above political affiliations and stand for “democratic principles” by demanding’s Rashid’s release and his right to attend the Parliament. “Denying him this opportunity is not just a betrayal of his mandate, but an insult to the democratic process itself. It sets a dangerous precedent where the will of the people is suppressed and their chosen representative is silenced,” he said. Shaheen warned what was happening with Rashid “could happen to any of you (MPs) tomorrow.”
Semester 2 registration is open at Saskatchewan’s Distance Learning Centre. Sask DLC is a fully accredited online school that offers Kindergarten to Grade 12 education to Saskatchewan students of all ages and backgrounds. The straightforward school supply list includes a computer with internet access and, as part of the computer or as an add-on, a mouse, microphone, and webcam. Students also need headphones/earbuds, a scanner/cell phone camera for submitting work, a printer and paper, along with standard supplies such as pens/pencils, an eraser, ruler, scissors, markers, geometry set, binders, and paper or notebooks. New courses in practical and applied arts and elective courses will give students greater opportunities to explore their interests or try something new and see if it sparks their curiosity. Tourism 10 and 20 courses will introduce students to food and beverage, accommodation, recreation and entertainment, transportation and travel services. Tourism 10 provides the theoretical component necessary for Tourism 20. Tourism 20, newly available in Semester 2, provides more theory and is coupled with a work placement. Other new courses available in Semester 2 include Energy and Mines – Oil & Gas 20 and Football Skills 10. Students enrolling in Energy and Mines 20 will learn about energy exploration, production and environmental stewardship practices, as well as industry trends, safety, economic impacts and technological advancements. This course, available in Semester 2 only, provides 50 hours of online theory and a 50-hour work placement. Football Skills 10, one of the courses offered as part of a grouping of unique electives, will introduce students to the basic concepts of football. They will explore the elements and rules of tackle, touch and flag football while developing fitness levels, mental training and leadership skills. Students will examine the importance of basic training, conditioning, nutrition and mental wellness in developing an athlete. They will learn about game strategy and tactics, individual and team goal setting, leadership, communication and team building, sportsmanship and fair play and have the opportunity to explore pathways in football beyond high school. Football 20 and 30 are expected to be available in the 2025-26 school year. Also, Baseball 10, 20, and 30 are part of the unique electives grouping. Whether new to baseball or having some experience, students will find that these courses cater to all skill levels. Starting with the basics and rules, students progress to intermediate topics like statistics and metrics for athlete development and can explore non-playing careers such as coaching, umpiring, recruiting, and broadcasting. Baseball 30 will be available in Semester 2. Sask Polytech provided high school students taking online automotive courses, with the opportunity to get practical, hands-on learning in the automotive mechanical field, through a one-day learning camp at the Sask Polytech Saskatoon Campus. Sask DLC and Sask Polytech learning camps provide students from across the province with opportunities to learn about potential career paths and make informed choices for their future beyond high school. The camps allow students to either confirm their current career aspirations or discover new ones. Students got a preview of the Automotive Service Technician certificate program and apprenticeship training options available at Sask Polytech. “Sask Polytech is excited to support students interested in pursuing a career in the automotive industry,” Sask Polytech President and CEO Dr. Larry Rosia said in a News Release. “High school students can gain numerous benefits from exploring the trades and participating in the camp. It is an excellent opportunity to learn more about the automotive industry and to learn about the Automotive Service Technician program.” Interest among students in Sask DLC’s Mechanical and Automotive courses continues to increase. More than 300 students registered for Mechanical and Automotive courses, including 168 with work placements so far this school year. Last year, 124 students registered in Mechanical and Automotive 10, 20 or 30-level courses, completing more than 4,500 work placement hours. An additional 98 students took the introductory theory-only course. Sask DLC offers five Mechanical and Automotive courses for students across the province, including a 10-level introductory course where students can choose to do full-online theory or participate in 75 hours of online theory with a 25-hour work placement. At the 20-and-30- level each course is a combination of 50 hours of online theory and 50 hours of an in-person work placement at a local business. Students participating in the optional learning camp at Sask Polytech will earn six credit hours toward their work placement requirement. Student work placements are possible due to a partnership between Sask DLC and the Saskatchewan Automobile Dealers Association (SADA). Through this partnership, students are provided with opportunities to complete their work placement at a SADA member dealership. This partnership provides students with work placement opportunities near their home community and supports the automotive sector’s recruitment of future qualified employees to serve the industry. These courses complement several other 35 Sask DLC trades courses with work placements or hands-on learning opportunities available to students including Agriculture Equipment Technician, Autobody, Construction and Carpentry, Electrical, Energy and Mines - Oil and Gas, Parts Technician, Power Engineering, Precision Agriculture, Tourism, and Welding. Sask DLC’s Mechanical and Automotive, and other courses are open for semester 2 registration. Courses are available to full-time Sask DLC students and high school students attending local schools throughout the province to supplement their in-person learning. High school students can contact their local school administrator or guidance counsellor for help registering. Learn more about all online courses with work placements available through Sask DLC at .