When you are trying to make a financial plan, or reach a certain financial goal, it is important to have an idea of your financial priorities. After all, without priorities, it is impossible to decide what you should do with your money — not to mention figure out what actions you need to take to [...]
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Almost every month, I read an article discussing the size of our nest egg needed for a comfortable retirement. Almost every time, I think about my own retirement funds and try to compare it to the guidelines. Yet, every single time, I ask myself:
Is the retirement savings being referred to a post or [...]
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We received my wife’s 401k plans statement yesterday and we felt like financial geniuses. Splashed on the first page of the statement was our mutual fund performances, up 28.14% in the quarter and 18.43% year to date. My instant reaction was of joy, but it quickly faded as questions were bubbling in my [...]
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Last week I came across a study done by the Investment Company Institute together with Deloitte regarding the expenses charged by 401(k) and other defined contribution plans. Here’s the short version:
The median fee for the 130 plans in the study was 0.72 percent of assets, within a range from 0.35 percent (the 10th percentile) to [...]
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We haven’t even gotten through this crisis yet, and we have another one on the way? Seriously?
That’s what John Bogle–the founder of Vanguard and the creator of the first index fund–would have us believe. And, distressingly enough, the case he makes is pretty convincing.
Last month, Bogle testified before the House of Representatives about the upcoming [...]
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With foreclosure rates sky rocketing and no end in sight, banks are much more willing to negotiate with homeowners on the specifics of their mortgages. These days, “loan modification” have almost become an industry by itself as banks allocate more and more resources to work on this.
Sparked by all the news surround it, a [...]
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After weeks of waiting and calling everyone to do their part of the process, I finally got my 401k moved over this week. During this time, I realized a few important facts about the 401k offered by my employer.
The employer match will not be fully vested until my 10th year of employment (it starts [...]
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2008 could be marked as the year that many people change their retirement goals. Reading our 401(k) quarterly statement was once exciting and now it’s just a reoccurring reminder that train wreaks could happen to everyone.
Subsequently, many people asked me whether they should give up on their 401(k) and just stick all their savings [...]
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Perhaps one of the silver linings of 2008 will be that many of us will be able to reduce our taxes this year due to the market decline. Yahoo Finance has made available WSJ’s big questions for your 2008 tax year for us to make sure we squeeze every last ounces of tax deduction! [...]
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This is a guest post from Sambit, who helps run an internet directory Respond.com. I will be checking out the financial planners section as I’ve always thought about working with one someday.
No advice is good enough unless you have the determination to follow the rules that you have set regarding handling your personal finance; [...]
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My wife’s investment assets are about to be switched over to another brokerage firm. She’s always had an account at TD Ameritrade and when she changed jobs, we felt it was the natural choice to open a traditional IRA account there.
When she called to checkup on the status of the transfer a week after [...]
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Now that I decided to roll my 401k into a traditional IRA, the next step is to figure out the company that I should roll the money into. As the funds will likely remain in the same place until I’m past 60 years old, it is a decision that I should carefully analyze. [...]
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Now that I told everyone about my plans to quit my job and move onto full time blogging, it’s time to look into how I should handle my current 401k account once I leave the company. As I don’t have a huge 401k account balance, the penalty if I don’t do anything will be [...]
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Getting and reading the quarterly 401k account statements used to be quite a joyful event. The numbers keep going up, the row that says Market Value Change is always positive and my grin always get bigger.
This year however, it’s a little different.
With the downturn of the stock market, the value of my 401k account [...]
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