Suze Orman says that you shouldn't put in your 401K/403K after match?
103673
She's right if that is as much as you can invest.  Your best bet is to max out both if you can afford to.\n\nHere's the order:\n\n401K to match:\nROTH IRA max\n401K max
1149314
If you do you will incur penalties for early withdrawal!! You must contact the company you have your 401k to arrange it. If you do not know ask your employer
295269
if the things coming out of her mouth before you date her turn you off, chances are the stuff she says WHILE you're dating her will turn you off even more.  I mean, as far as what she said, it kind of makes sense cuz no girl wants to date a scrub who can't take care of himself.  If she said she would never date a guy who wasn't RICH, that's gold digging.  But whether they come out and say it or not, most girls won't date a guy who's broke because who wants a part of that?  If you marry someone who's broke, chances are you'll be broke too.  I'm a guy and I'd be rela reluctant to date  agirl who couldn't hold a job down.  I probably just wouldn't do it.  But by insisting on a guy being a provider doesn't mean she's a gold-digger who would date an "ugly fool" just for the money.  And so what if he's ugly?  Isn't dating someone for looks just as bad as dating someone for money?  Would you date her if she was busted?  Life's a b****, man.
175245
Yes, the money is safe. However, it is in a money market savings account, meaning it is earning a low rate of return compared to other investments (although not necessarily compared to other money market accounts).\n\nThe lawsuit will not endanger any money that you have invested (or are planning to invest) into an Express IRA account. However, you should evaluate whether or not this is a good investment for you.\n\nThe issue that has brought about this lawsuit (other than Attorney General Spitzer's gubernatorial campaign) seems to be the fact that many of these accounts lose money after fees. If your account is (hypothetically) earning 3% per year, that may not offset the account fees, depending on how much is invested. A net loss on the account after fees is still likely to provide you with a tax benefit, but you should look for an alternative IRA investment, which will provide real investment gains in addition to the tax benefit.
1100134
Nope.  Not allowed.\n\nThat limit is per year, each year.  No retroactive contributions.
315046
Thank you for asking this!!  I don't see what the big deal is, either.  Any of us could pull off his gig...  Hopefully he's putting his cash in a 401K or something so when his 15 minutes are up, he'll have something to fall back on!
71891
The question is would you need to start withdrawing from the 403b when you retire in a few years? While contributing to the 403b would allow you to defer taxes on the income now, you wouldn't have very long to let those savings compound and you wouldn't want to allocate your assets within the 403b very aggresively unless you are able to let the funds sit for several years after retirement.\n\nRemember, also, that you would incur penalties on any withdrawals prior to age 59 1/2 from your 403b. Additionally, many 403b programs use  Tax Sheltered Annuities as the investment chassis. These annuities may have surrender charges assessed on withdrawals during the first several years after investing. \n\nIf you do decide to go ahead with the 403b, make sure you read the prospectus and all related info, especially in regards to withdrawal charges.
670439
Once I wrote in a forum, that they sponsored, and got a reply from Tom asking me if I would be interested in being a regular writer on their team, but I declined.  I used to be a stockbroker with a large firm and I wrote about why I thought the average large stock brokerage firms overcharged for the dismal advice that their stockbrokers, who actually are nothing but overpaid salesmen, gave.  I didn't want to get in the middle of a lawsuit with my employer.  After-all, they have more money for lawyers than I have.  But the threat of lawsuits is how they keep the truth sequestered.\nThe Motley Fools boys seem to do their homework, but in the end, I haven't seen anyone say that their stock picks are better than anywhere else. Learn why someone recommends something.  Don't just place a bet.  In investing there is an old saying, "ride your winners and sell your losers".  Like many other advice columns, they tend to brag about their winners and keep quiet about their losers.
382614
I think you would be better off putting that 20k into a 90-day CD at or around 4.5%.  Thus eliminating the chance of losing it.
972936
that is a very interesting question. i had to put some real thought into that one. but to be honest i would have to say yes that i would like to know. i invest 20% of my income to save for my old age. i have no children to leave any assets to. so if i knew i was going to die before the age of retirement i would know to quit putting money in the 401k plan at work. and it would give me time to sell my more valuable personal posessions rather than have them become the property of the government or some greedy relative that i have never liked. and also to do the things that i have always wanted to do like take a few weeks on a luxury cruise ship and go on a gambling spree in las vegas. and buy a dodge viper just to see how many sets of tires i can burn off in a week. and i am still fairly young, in my late 30s. so i have never made any burial arrangements for myself yet. but i could have a tragedy and die at any time, even if i knew i was going to pass away next week it would give me time to make some arrangements rather than put my parents through it.
740965
Do I have to make a choice?  In a few other posts, I have pointed out the disadvantages of investing in mutual funds.  It is exceptionally rare that any mutual fund will outperform its benchmark over the longer term, especially after fees and taxes are factored in.  \nI'm going to assume that you're asking this question b/c you are only given Calamos funds as options in your 401K and that you have to pick one.  Without knowing your specific financial circumstances (which is critical to find the most appropriate fund) I will give you two Calamos recommendations.  I just checked out the prospectus online and it looks like the Global Growth and Income, and to a lesser extent, the Growth and Income fund, are pretty decent.  Both have consistently beat their benchmarks and the fees are amongst the lowest of all Calamos funds (although I'm still shocked at how high the Calamos fees are overall).  These funds should be good and would be most appropriate in a tax-deferred account like a Roth 401K where the taxation of the dividend income and capital appreciation will not eat away at returns.  Steer clear of the Growth fund.  These guys are making a huge bet in Tech and must not be historians of the market.  They should look at what happened to Janus funds in the late 90's and they might reconsider a 34% allocation to technology.\n\nThat's my $0.02.
197563
No, you  had to pay a penalty for 2004 for taking out your 401 early. You just lost that money.
1120531
It's a lottery type thing. Not on the shores of the US--that should cause you some concern. Their website says you get your return on investment in two years.
820338
Any amount put into a 'qualified retirement plan' as a result of a 'qualified domestic relations order' is not a taxable event.  Any amount not transferred to a 'qualified retirement plan', would be treated as a withdraw from such a plan.  If you are under 59 1/2, there is a 10% early withdraw penalty.  This is above and beyond income tax at regular rates on the amount withdrawn.
1084342
NO....there is a substantial penalty, usually 10% for withdrawing 401K money early...not to mention you will have to pay taxes on the money.  Don't do it.
126578
OPM is right. Don't confuse the type of account (401k in this case) with choosing an investment mix. I help businesses design and implement retirement plans and as OPM said, you are limited by the plan your employer chooses. That doesn't mean you should put your money elsewhere, especially if your employer provides any kind of match.\n\nFirst rule of retirement investing: If your employer is going to give you free money, TAKE IT!\n\nIf you work for a fairly large and/or sophisticated employer your 401k may have a Self Directed Brokerage option. If available, this option will allow you to bypass the menu of investment options within the plan with at least a portion of your assets. Ask your employer for the details on the plan available to you.
1059792
You can't, only your ex can. And then there may be penalties, and if your ex wasn't "vested" there may not be any money coming from it at all.