Open Question: Contributing to a 401K?

Open Question: Contributing to a 401K? After 4 years with my current employer, I decided to take another job elsewhere. My 401K that I acquired while there is performing VERY well. I was wondering though ... to the fund…. What should I do? I am now doing contract work and as such do not have a 401K [more...]

Date: 2007-10-02 02:58:07
Blog: Finance and investment ...

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401k Lump Sum Contribution: Dollar Cost Averaging Looking Good Right Now

I’ve been really bad at regularly making contributions to my Self-Employed 401k from Fidelity ... have enough money both buy a house and contribute to the 401k, (2) we’ve may not buy right away anyhow ... , I am definitely still going invest my money into the stock market… but should I do it all at once [more...]

Date: 2007-09-15 13:19:09
Blog: My Money Blog - Persona...

Stopping My Prosper Contributions

For a large part of this year, I have been regularly adding money to my Prosper account ... on too much risk. So why am I stopping my contributions? I looked at my 401k contributions for this year ... some cuts. Along with the 401k goal, I have is to finish paying off my HELOC. I set it up nearly [more...]

Date: 2007-09-07 13:55:59
Blog: Lazy Man and Money ...

Net Worth Update - September 2007

It’s the middle of the month and as regular readers know, that means it’s time to calculate my net worth ... of $210,770. The retirement accounts made a slight comeback, but I also contributed to my 401k greatly over the last month. To date, I’ve contributed around $8300 to my 401k plan, so I’m behind where [more...]

Date: 2007-09-18 13:55:23
Blog: Lazy Man and Money ...

Changes to 401k Contributions and Canadian Tax Returns

Favourite reader “Telly” left a comment on her “Living and Working in Different Countries” post regarding a recent change to the taxation laws which ... into force on Jan. 1, 2008. Basically, employee contributions to a US pension plan (401k ... : (1) A resident of Canada is employed in the U.S., and contributes to an employer-sponsored pension plan [more...]

Date: 2007-09-28 09:00:09
Blog: Quest For Four Pillars ...

My 401k Issue

It took me a few years to finally land the dream job as an Editor/Senior Analyst with the independent investment research firm I am currently ... policy in place stating that you couldn’t contribute any funds to a 401k until one year’s time with the firm. Raw deal if you ask me… So, I decided to delay contributions to my 401k and continue [more...]

Date: 2007-08-24 15:08:22
Blog: Jutia Group - Market J...

Benefits

Benefits Tuesday, September 25th, 2007 at 3:47 pm So, I’m sure everyone has heard that benefits are key to determining the value of the job ... benefits each pay period: 1. Term Life Contribution - 0.90 2. Matching 401k Contribution - 103.58 ... % tax bracket, so these numbers will be off of that: 1. Medical Plan Tax Savings - 8.38 2. Dental [more...]

Date: 2007-09-25 19:47:12
Blog: The Blog with No Title ...

Money Advice - Pay yourself first!

Michelle Gartner from Smart, Not Cheap, tagged me awhile ago to participate in the Moolanomy My One Piece of Money Advice Meme ... do it? To the max? Maybe you contribute a bit to your 401K, but do you contribute enough to get your full ... the credit cards, my husbands car loan AND build enough of an emergency fund in savings. We feel [more...]

Date: 2007-09-17 17:35:55
Blog: A Problogger Mom - A pr...

Introduction from new member…

Introduction from new member… September 30th, 2007 Hi there! Just found these boards and looking to get involved ... with no PMI (escrow included in first mortgage). Savings: 401k: ~$42,000. I am contributing 5% of paycheck into 401k to maximize employer match. There are no 401k loans at the present. This gives [more...]

Date: 2007-09-30 21:53:58
Blog: Retirement, Retirement ...

401K Matching and Vesting

Copyright © 2006-2007 Clever Dude. All Rights Reserved. Shadox from Money and Such wrote up an excellent article about 401k Matching Pitfalls. After waiting for a year before my employer began matching contributions, I finally began contributing to my 401k this past May (my 1 year anniversary at my company). I really should have taken [more...]

Date: 2007-07-05 13:19:40
Blog: Clever Dude Personal F...

401K Update

Here’s the current make up of my 401K retirement plan. I’ve actually increased my contribution to 20% from 18% of my gross pay. In January I lowered my 401k contribution all the way down to 6% just to take advantage of the maximum company match, but I noticed the net take home pay didn’t increase much. A lot of my pay [more...]

Date: 2007-04-29 19:37:49
Blog: Money Turtle...

What it takes to make a million!

The world has become infatuated with the thought of becoming a millionaire.  That is proven ... contributions such as 401k’s and what not. Aside from Employee Contributions, what role does ... . I also suggest using  the compoud calculator to determine how much money you would really [more...]

Date: 2007-06-23 22:25:33
Blog: RandLIFE - Make the mo...

Blocking,Tackling..... And Contributing To Your 401k

The Automatic Millionaire guy David Bach points out some of the basics in his recent column. Retirement really does hinge on contributing regularly to your 401k. If you want to be successful-max out that plan each year. Take a look at your 401k statement this month and try to boost [more...]

Date: 2007-09-30 11:48:21
Blog: Rollover Ira, 401k and ...

Introduction from new member...

Hi there! Just found these boards and looking to get involved ... . Montly payment is $212 with no PMI (escrow included in first mortgage). Savings: 401k: ~$42,000. I am contributing 5% of paycheck into 401k to maximize employer match. There are no 401k loans [more...]

Date: 2007-09-30 19:55:43
Blog: Early Retirement Forum ...

Woohoo!!! One step closer to financial freedom!

My credit cards are paid off from expenses I got from when I moved. I was smart enough to get an American Express card that had 0% APR for the first 6 months ... Build savings up to 6 months of expenses Contribute to IRA Contribute to 401k AFTER my company [more...]

Date: 2007-08-16 14:58:36
Blog: cbot.blog(this);...

Make the First Million and the Rest is Easy

One million dollars is a magic number. Not so much for what it can buy these days, as anyone trying to purchase a home can tell you ... you will contribute the maximum monthly contribution to your 401K which currently is $1,291.66. At a ten [more...]

Date: 2007-07-22 12:00:38
Blog: Worldwide Success...

Questions and Answers about Roth IRAs

Over the past month, I’ve covered the basics of Roth IRAs. I’ve explained what they are, how (and where) to open one, and which investments are best ... have money to invest, then max out your 401k. Once you’ve contributed all you can to these investments ... dollars) or investing in a 401k (with pre-tax dollars)? Does it make a difference if there’ [more...]

Date: 2007-07-12 12:00:30
Blog: Get Rich Slowly...

Steps to a healthy retirement

Steps to a healthy retirement: This process is like dog grooming. 1. Contribute to 401K and other employee retirement plans 2. Make the maximum contribution up to employee matching funds 3. Save extra money for retirement in a Roth IRA 4. Diversify your investments and savings methods 5. Start a small business 6. Buy [more...]

Date: 2007-07-24 17:20:19
Blog: Life Diversity Diversif...

Why Opening A Roth IRA Is Best For You

If you have to choose between contributing to a 401K or a Roth IRA, then the clear answer is pick the 401k especially if the company is matching ( ... % rate of return. Moreover, you can save up to $15,000 per year and the contributions are taken ... such as working in restaurants, delivery companies, or schools that don’t offer 401k retirement [more...]

Date: 2007-06-18 07:23:59
Blog: FILAM Personal Finance ...

Pay Day

401k Nest Egg Today was payday and I more than doubled my 401k contribution last week so I was, as a result, ... into the equation — and it would be different for each state and tax bracket, which is probably why ... . In the meantime, it’s nice to know that I can throw an additional $160 or so towards my 401k each paycheck [more...]

Date: 2007-08-02 17:01:18
Blog: A Personal Finance Blog...

The market crashes - good time to enter

If you are someone like me - investing primarily in 401 (K) or some sort of a retirement account, take heart ... this is the time to boost up your 401K holdings. Increase your contribution and max out the 15,500 contribution limit. The market is now at an appropriate price - 10% drop that set it back by almost [more...]

Date: 2007-08-16 23:40:52
Blog: PhD Musings...

Marriage and Money - The Budget Meeting

What often happens in marriages with combined finances is that one person will assume control the finances ... setting rules, but it can also mean bearing the financial stress and controlling information. The other ... term goals, to the budget for groceries, to 401k contributions, vacations, or whatever needs [more...]

Date: 2007-09-06 16:10:44
Blog: Change Yourself, Change...

Financial Check-Up

I've been procrastinating about making an appointment with my doctor for an annual physical ... even peeked at my E*Trade portfolios in weeks, and when I get my 401k statements, I just quickly ... lead me to redirect my future 401k contributions. Bank accounts: when I bought my condo last year [more...]

Date: 2007-08-17 14:57:55
Blog: My Open Wallet: A Perso...

ROTH 401K - What is it Good For?

If you have read the previous two posts in this series, you already know why we dumped ING as our old 401K provider, ... like to write about one of these features in more detail: our ROTH 401K option. Much like ROTH IRAs, a ROTH 401K allows employees to contribute after-tax dollars, however, the money is tax free [more...]

Date: 2007-07-04 14:00:37
Blog: Money and Such...

So Much For Relying On The Kids

So Much For Relying On The Kids Martha: "Hey Donovan, what do you want to be when you grow up? You need to support me in my old age ... to be when you grow up? A doctor? A lawyer?" Simon: "A dog." Martha: "Well, I guess I'd better ramp up those 401K contributions." p.s. Vacation stories and photos following, as soon as I can figure [more...]

Date: 2007-08-08 02:34:15
Blog: The Random Muse...

Money Mistakes to Avoid - Procrastination

Why do today what you can put off until tomorrow? If that is your motto then this post is for you! ... a decision. A great example of this is not signing up for a 401k plan because you’re not sure which ... of employees don’t participate in their 401k plan or contribute enough to get the company match. I’ve [more...]

Date: 2007-08-13 12:08:32
Blog: Money Smart Life...

Average Earner to be Rich

I recently read a post on one of my favorite blogs, Watch Your Wallet, and would like to respond. In the post, To Get Rich...Do Nothing? ... returns with knowledge of investment options? Yes, absolutely, but that seemingly unimportant fact ... or more of what I earn. He has regularly contributed to a 401k since graduating from college over ten [more...]

Date: 2007-07-23 23:34:43
Blog: think like the rich...

I need to bring home less, not more

The partner and I are struggling with my near-constant push to leave my job and start a family. The major contention factor: we can’t afford either ... to bring in as much as we can in the next few weeks and perhaps I should even reduce my 401K contributions. My response: perhaps I should double them instead. The reality of the situation [more...]

Date: 2007-06-01 18:08:23
Blog: The Ad-Free Personal Fi...

ERIC: Considering the number of smaller companies that don't even do that? Nah, there's more to it. How much vacation time should employees get? Should the company match contributions to 401K? Car or housing allowances? There are a lot ... does it help the employees? Best bang for the buck. There's always more to a job than most people [more...]

Date: 2007-09-27 10:50:09
Blog: Quick Shtick Writing...

Look At The Big Picture

The other night my wife and I were discussing our finances and I commented to her that sometimes it really feels like we are living paycheck to ... to my 401k account. The steady contributions and the use of index funds has resulted in a solid ... and a modest balance on my American Express card which is the result of using a 0% balance transfer [more...]

Date: 2007-06-28 04:57:12
Blog: My New Choice...

Reforms Michigan Needs to Make

Below are a list of suggested reforms and/or cost savings our friends at RightMichigan.com have suggested to fix our state's "budget crisis ... . Privatize the public employee pensions: - cash out pension fund and change them to a 401K. Define contribution for all state employees/teachers. Change healthcare benefits for state employees 65 [more...]

Date: 2007-07-02 04:47:51
Blog: Both Right...

The Sunday Review #35: Awesome Marble Counting Machine Edition

Check out this video of a wooden counting contraption.. it’s really interesting. Watch it till the end.. it’s totally worth it. [ ... @ My Wealth Builder. Market Timing with 401K Contributions by Lazy @ Lazy Man and Money. If The Stock Market ... (Revisited) by Nickel @ Five Cent Nickel. How Do You Know When to Invest in a Down Market? by Ben [more...]

Date: 2007-08-26 11:46:40
Blog: Money, Matter, and More...

"Being totally debt free is impossible."

According to one reader at MSN Money. Marie38 saves and contribute to her 401k automatically, but does not defer vacations and other extras, although she does pay cash. "My plan is to live while I am still young enough to do it," she wrote. "No one can predict the future. . . . None of us are guaranteed even one more day." Sounds [more...]

Date: 2007-07-31 17:08:37
Blog: moneymonk...

TISNF

That is *so* not fair. I actually heard that twice this morning from co-workers ... against how they help you learn, grow, and/or get what you want. These are EXTREMELY powerful ... one co-worker, who’s thrown in the towel and stopped their 401k contributions entirely [more...]

Date: 2007-09-18 15:24:41
Blog: A Personal Finance Blog...

HAVING A JOB = WHORING? I BEG TO DIFFER

Facetious breeders piss me off. I was on a message board earlier today and some SAHM's were having an internet beef with some working moms ... Company sponsored pension plan 401k matching contributions up to 5% Intellectual stimulation ... on a DAILY basis No insurance unless hubby has it No pension or retirement Shitloads of cleaning [more...]

Date: 2007-08-30 06:36:17
Blog: Childfree Clique...

Financial Planning Strategy for Early Retirement by Caitlina Fuller

When it comes to early retirement there are some financial strategies individuals may employ to help them retire sooner ... you. These include IRAs, 401K plans, money market accounts, mutual funds, the stock market, annuities, and more. If your company offers a 401K employee contribution match program then you should definitely take [more...]

Date: 2007-07-01 06:37:02
Blog: stock is the breath of ...

Progress report - week ended 9/10/07

Here is a weekly progress report for my September 2007 goals: Cut balance on medical collection by 1/2 or from $1619 to $809.50 - or less -Almost there, sent in a check for $400 earlier this week which should bring my balance down to $1219. Depending on if my 401K contribution has been reduced or not, I will possibly [more...]

Date: 2007-09-10 03:57:04
Blog: Reggie, another kid wit...

Net Worth Update - May 2007

Since it’s the middle of the month, it’s time to update my net worth. I actually updated it a day or two ago on the website. Did you notice? ... by a tax return of around $1,800. Yes, I shouldn’t loan the government money like that, but I can never ... m putting more effort into my 401k starting this month… I’m contributing 20% of my salary Comparison [more...]

Date: 2007-05-17 13:55:42
Blog: Lazy Man and Money ...

Net Worth Update - May 2007

Since it’s the middle of the month, it’s time to update my net worth. I actually updated it a day or two ago on the website. Did you notice? ... by a tax return of around $1,800. Yes, I shouldn’t loan the government money like that, but I can never ... more effort into my 401k starting this month… I’m contributing 20% of my salary Comparison of major [more...]

Date: 2007-05-17 13:57:22
Blog: The Ad-Free Personal Fi...

How Many Hours of Net Pay Are Going Towards This Stuff?

Money, Matter and More Musings came up with a great idea to curb spending: think about the number of hours you will need to work for stuff ... and inspired, I took a look at my most recent paycheck and did a simple calculation: Total Net Pay ... . After pre-tax deductions from my gross income (10% 401K contribution, health spending account [more...]

Date: 2007-05-09 21:18:30
Blog: Queercents...

FU Money: Investment Spreadsheet 2.0

Jason wrote up a great follow-up article, Investment Spreadhsheet 2.0, to his original post, The FU Money Spreadsheet, over at Hackszine ... . Some added features to the FU Money Calculator 2.0 are fields for accounting for your 401k contributions and a home loan. Investment spreadsheet 2.0 Jason describes 3 scenarios in which [more...]

Date: 2007-08-06 14:37:11
Blog: BlogCadre | Community C...

Weekly Readme

Nickel is in need of some help with his 415(c) issue. Did you know that there are almost a million accidental millionaires? ... E-Service to avoid the new fee that replaced all other fees when Vanguard changed their fee structure ... when it comes to retirement, be sure to pay off credit card debt after you contribute to a matching 401K [more...]

Date: 2007-05-26 16:45:24
Blog: Blueprint for Financial...

Six Roth IRA and 401K Questions Everyone Asks

By everyone I mean random people who reach the site via Google, ... very well be wrong! Should I put more into my 401k or open Roth IRA? The general consensus is that you should contribute enough into your 401k in order to earn the company match, if one is offered [more...]

Date: 2007-07-30 10:46:01
Blog: Blueprint for Financial...

Robbing the Piggy-Bank

(duplicate Public Post...see locked post for more info) Last night I robbed my ING Direct savings account ( ... that, I am now: Trying to catch-up on my 401k (up'd my contribution to >25%) Changed the number ... my means Going forward...Max out my 401k and Roth IRA every year Some random numbers: Max 401k [more...]

Date: 2007-08-16 16:01:56
Blog: Mondavi!...

Nerd Quotes

1f u c4n r34d th1s u r34lly n33d t0 g37 l41d I'm not anti-social; I'm just not user friendly I would love to change the world, ... for that round. Assuming he puts the federal maximum of 15% of his income into a tax deferred account (401k), his contributions will hit the federal cap of $9500 at 8:30 a.m. on January 1st. If you were [more...]

Date: 2007-07-29 04:05:58
Blog: Woosk.com...

BLOGGING: Banker Style

When I visit banks week to week the topic of social media as a way to contact customers seems to always come up ... to get you started…. • Brief financial tips: For example, do maximum contributions to your 401K ... to publicly express disgust with the bank your website. This is easily mitigated. You can set [more...]

Date: 2007-08-08 15:23:43
Blog: The Garland Group Blog ...

A Reader Asks # 4

From the mailbag… Art, I have been contributing to my 401k (with 5% matching) traditionally (before tax) ... to the Roth IRA up to your maximum limit Everything else As a young professional, let's assume ... more to your 401(k) (2007's legal limit is $15,500 for ages 49 and under or $20,500 for ages 50 and over [more...]

Date: 2007-08-08 13:21:15
Blog: Moment on Money...

Inbox Inadequacies

posted by Josh Goodman Governors offices and I don't see eye to eye. Many (though not all) ... voice my opposition to the state bear hunt or demand that my 401K contributions be taxed, but didn't ... .) A few states have ramble-proofed their Web forms with strict limits on the number of characters of text [more...]

Date: 2007-04-23 15:26:59
Blog: Governing.com: 13th Flo...

Retirement

WILL MY SPOUSE BE ENTITLED TO SOME OF MY RETIREMENT AFTER OUR DIVORCE? ... for your retirement.  Some examples of defined contribution plans are 401k plans, 403b plans, individual retirement ... that in addition to the Divorce Decree, the Court is to enter a Qualified Domestic Relations Order [more...]

Date: 2007-09-24 21:20:30
Blog: Houston Divorce Lawyer ...

401K vs. Extra Mortgage Payment

If you find yourself with some excess income these days, ... lost 20% of its value before you are able to use it to pay down your mortgage. 401K contributions ... you may be wondering whether you should put more money into your 401K or pay off your home [more...]

Date: 2007-04-16 18:34:19
Blog: Building Equity...

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