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<p>[QUOTE=&quot;Moen1305, post: 133973, member: 2544&quot;]I guess that you have gotten advice on most other aspects of your decision already but there is one aspect you have to consider that hasn&#039;t been mentioned.&nbsp; Retirement.&nbsp; From what I know about retirement issues and the impact of current trends, you need to look at the long-term financial picture as well.&nbsp; If you have a company pension right now, remove it and put in into some type of IRA.&nbsp; Companies are filing for bankruptcy protection and taking their employees pension plans with them.&nbsp; The bankruptcy laws are designed to protect the company not the employees.&nbsp; They can reduce a promised pension that you have contributed to over many years to literally nothing in one afternoon in court.&nbsp; </p><p><br /></p><p>In your new job, if that is the way you go, pour money into your IRA even if it means less in the take home check at the lower salary.&nbsp; You will adjust to less money over time as your salary increases.&nbsp; Not only will there be no Social Security around when you retire but many pension plans will have also have been raided by that point.&nbsp; Americans seem to be unaware of this trend and more than slow to react to it.&nbsp; The older you are, the more you need to put away.&nbsp; </p><p><br /></p><p>Retirement may seem like a long way off but the sooner you get saving the easier and less painful it will be.&nbsp; You can negotiate retirement contributions and other areas of retirement savings at the onset of a new job.&nbsp; Make sure it is one of the issues you bring up immediately.&nbsp; You&#039;ll never regret it believe me.&nbsp; Good Luck![/QUOTE]</p><p><br /></p>

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