401(k) Articles

1). 401K plans And Their Benefits By : Sandra Stammberger
What exactly are 401 k plans? A 401k plan is a type of an employer sponsored retirement plan for the employees of the organization.
Article Related to: financial planning, personal finance, 401k, 401k plans

2). Forecasting the Future Value of Your 401(k) By : Stephen L. Nelson, CPA
If you’ve got Microsoft Excel (or just about any other popular spreadsheet program) running on your computer, you can use its FV function to forecast the future value of your 401(k) account. The FV function calculates the future value of an investment given its interest rate, the number of payments, the payment, the present value of the investment, and, optionally, the type-of-annuity switch.
Article Related to: 401k, 401(k), retirement, investing

3). Retirement: Having Access to your Future By : Robert Valentine
Having access to savings in your 401(k) can be important. Here are some of your options for withdrawing from your plan.
Article Related to: 401k, rollover, withdrawel, loan, article, story, 401k, rollover, withdrawel, savings plan, hardship

4). Safe Harbor Plans-a Retirement Triple Play By : Lawrence Groves
Max out your 401k contributions and defer taxes with this little known 401k plan design.
Article Related to: solo 401k, 401k, retirement, small business, pension, self-employed, sole proprietor

5). What You Should Know About a 401k By : Heather Colman
A 401k is a good place to start in planning for your future retirement, no matter how far away you may be from the actual time.
Article Related to: 401k, fidelity 401k, 401k rollover, 401k retirement plan, 401k calculator, roth 401k

6). 6 Proven Wealth Building Strategies By : Matthew C. Keegan
Building wealth is as simple as saving a little bit here and a little bit there. You need not have great riches in order to accumulate wealth, but you need to have the drive, determination, and discipline to successfully increase your wealth. Let’s look at 6 proven wealth building strategies you can put to use today. 1. Pay Yourself First. If you do not set aside money before you start paying your bills, chances are you will never save any many after you pay these same bills.
Article Related to: wealth building, 401(k), 403(b), stocks, bonds, gold, silver, precious metals, real estate

7). WHY THE FINANCIAL NEWS MEDIA CAN COST YOU MONEY! By : Dr. Scott Brown, Ph.D.
The communication innovations we have around us today like the internet, financial newspapers, and special interest television channels focused on investing like CNBC are a high speed pipeline of nonsensical chatter. All these sources of information mean that there is no shortage of media people trying to answer our questions about the stock market and specific stocks.
Article Related to: stocks, investing, stock market, mutual funds, financial planning, e-trade, ameritrade, scottrade, make money, 401k, stock trading, merrill lynch, nyse, amex, roth ira, retirement planning, online, st

8). Roth 401k- a Parlay for the Privileged By : Lawrence Groves
How to retire with a tax free account. January 1, 2006, a new opportunity for savings came to town. Known as the post tax ROTH 401k - Now,the question... Do You Roth or not?
Article Related to: solo 401k, 401k, retirement, small business, pension, self-employed, women

9). Thousands Now Survive Financial Hardship Who Never Thought They Could….with a Solo 401k ! By : Lawrence Groves
Financial Emergency! It is unpredictable yet it happens to all of us. The IRS has just increased your chances of survival by two.
Article Related to: solo 401k, 401k, retirement, small business, self-employed, sole proprietor

10). When IRAs, 401(k)s, and Other Tax-sheltered Investments Don’t Make Sense By : Stephen L. Nelson, CPA
Every year about this time, people start talking about and considering things like IRA contributions. Most of the time, tax-sheltered investments make great sense. The federal and state governments have designed their tax laws to encourage such savings. However, that said, there are three situations in which it may be a poor idea to use tax-sheltered.
Article Related to: iras, 401(k), 401k, financial planning, retirement savings

11). Selling Truth as a Differentiator By : Lawrence Groves
Now You Can Stand Out Above the Rest.
Article Related to: solo 401k, 401k, retirement, small business, pension, self-employed, sole proprietor

12). Saving for Retirement in the New Economy By : Murad Ali
Let’s face it. Most of the financial advice out there says something like this, “If you make on average $60,000 per year…” Most of the advice is designed for baby boomers about to retire. The young generation 35 years-old and under are not going to relate when their incomes range from $25,000 to $40,000. True their income may rise someday but there is a good chance it could decrease with the onslaught of lay-offs, downsizing and cost cutting.
Article Related to: investing, professional, retirment, 401k, roth ira, strategies, methods

13). Down Payments – Get Creative By : Dan Lewis
One of the biggest hurdles to buying a home is the down payment. Saving up a chunk of change can be difficult, so getting creative is a key. Down Payments The amount of your down payment is dependent upon many potential issues, but two come to the forefront. Each of these can reduce or increase the amount of cash you have to come up with for the home of your dreams.
Article Related to: down payments, home loan, saving, 401k, borrow, 401k loans, real estate, mortgage loan, down payment

14). Sound Wealth Building Tactics By : Matthew C. Keegan
Have you noticed that everyone wants to be rich, but few people seem to want to build wealth the old fashioned way: step by step? If you have tried the “lottery method” and it hasn’t worked out, read on for some tips on how you can build wealth for a better future. Save Sooner, Rather Than Later. Attention, procrastinators: listen up! One thing you don’t want to put off is saving for the future.
Article Related to: wealth building, savings, retirement, 401(k), 403(b), roth ira, money markets, stocks, bonds, credit

15). Mysteries Unraveled By : Ken E Morris
One of the great mysteries of personal finance is: How are social security retirement benefits calculated? The computation itself is something of a mystery. It's so complex that I'm not sure who could have dreamed it up. I am sure that most in Congress don't understand it. In this article we'll take an abbreviated look at what goes into the computation.
Article Related to: retirement, investment, 401k, advice, help, ohio

16). Tax Credits for Retirement Savings By : Richard A. Chapo
It is a well-known fact that Americans are miserable failures when it comes to saving for retirement. Well, the government is offering tax credits to change this for some of us. Tax Credits for Retirement Savings Social security is going to be under siege as baby boomers hit retirements. Fortunately, many baby boomers have put away piles of cash in 401ks and IRAs.
Article Related to: retirement, tax, taxes, tax credits, 401k, ira, social security, federal government, irs, pre-tax

17). The Hurrier I Go the Behinder I Get By : Ken E Morris
When are Social Security checks potentially loans and not benefits? Why, when you have "excess earnings" of course. In today's economy, many senior citizens still work during their "retirement" either because they want to or, all too often, because they must to make ends meet. Retirees who want to work as well as collect social security retirement benefits must plan their compensation carefully if they want to avoid losing some or all of their social security benefits.
Article Related to: ohio, retirement, investment, help, advice, 401k, ira, financial

18). How save and make money By : money
If you save money, the money will save you The problem with most peoples finances today is that they are not getting enough income to satisfy their needs and wants. People are naturally going to buy things they want even if it means spending more than they have (credit cards), and they know in the back of their minds that they cant afford it, but they will get it anyway.
Article Related to: hyip, invest, 401k, ira, savings, interest, feederfund

19). Saving for Retirement: Compound and Grow Your Employer Matching Retirement Plan By : James Lange
If your employer offers a matching contribution to your retirement plan, the cardinal rule is: contribute whatever the employer is willing to match—even if it is only a percentage of your contribution and not a dollar for dollar match. Imagine depositing $1,000 of your money into the bank, but instead of getting a crummy toaster, you receive an extra $1,000 to go along with your deposit.
Article Related to: 401k, retirement plan, savings, income tax burden

20). Your IRA and Your Retirement By : Lee Dobbins
Everyone dreams of a comfortable retirement where you finally get to do all those things you never had time for but not everyone knows how to plan financially for it.
Article Related to: ira, 401k, retirement, retirement planning, retirement saving, individual retirement account

21). Free Money for Your Retirement? By : Stephen L. Nelson, CPA
It can be more than a little discouraging to start making retirement planning calculations. You’ll usually find that to achieve the annual retirement income you want, you need to be saving a lot more than is practical. Suppose, for example, that you use a program like Quicken or Microsoft Money to determine that your retirement savings should equal to $5,200 a year—which is the same as $450 a month.
Article Related to: iras, 401(k), 401k, financial planning, retirement savings

22). Great Idea...Lousy Name By : Ken E Morris
Obviously, nobody asked the marketing guys before coming up with this one. Who in the world thought up the name "non-qualified deferred compensation?" Oh, it's descriptive alright. But who wants anything "non-qualified?" Do you want a "non-qualified" doctor, lawyer, or accountant? What's worse is deferring compensation. How many people want to work today and get paid in five years? The problem is, non-qualified deferred compensation is a great idea; it just has a lousy name.
Article Related to: ohio, advice, help, 401k, retirement, ira, investment, financial

23). Concerned You Will Not Retire In Comfort? By : Kael
Traditionally people have considered their retirement 401Ks and IRAs to be like safety nets rather than wealth builders. However, with the self directed IRA, you need not be satisfied with growth rates in the single digits. It is possible to realize phenomenal growth potential outside of the traditional IRA markets, tripling and quadrupling your IRA's value is not uncommon, within relatively short period of time.
Article Related to: ira, portfolio, investment strategy, retirement, 401k

24). 401(K) Investing For Your Retirement By : Linda Moore
The aging of the population and the potential failing of social security has brought the subject of saving for retirement to the forefront for many people. There are many avenues available to acquire the nest egg that we will need to survive on during our golden years. IRA’s, mutual funds, annuities and 401(k)’s are just some of the options to research as we prepare for our future.
Article Related to: 401k, 401k contribution, annuitiy, annuities retirement, financial planning

25). Vesting and Your 401(k) By : Matthew C. Keegan
Do you have a 401(k) retirement account? Are you vested yet? Before you move on to your next job, it is critical for you to find out if you are fully vested in your retirement account before you make the move. If you are not, you could lose hundreds if not thousands of dollars in employer contributions. Vesting refers simply to the non-forfeitable percentage of your account’s assets.
Article Related to: 401(k), 403(b), retirement savings plans, rollover savings, personal investing, savings, pensions