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VISA or pension?

$10,000 available to borrow from a pension plan, and $10,000 in credit card debt. [more inside]
posted by An Infinity Of Monkeys on Dec 15, 2008 - 15 answers

Lesser of two tax burdens?

My partner and I need to pay off some debt, and unfortunately we need to dip into our retirement funds. Our tax accountant is on vacation and we can't find the answer to our question. We have two sources–either sell some stock or cash out a couple of short-term IRA CDs. Which is the lesser of two evils? [more inside]
posted by al_fresco on Dec 13, 2008 - 11 answers

What should we be thinking about as we allocate our savings?

We are a newly-wed, youngish couple (both 30 years old, both professionals) trying to allocate funds to two different projects: purchasing a first home in a very expensive metropolitan area and saving for retirement. What should we be thinking about as we allocate our savings? [more inside]
posted by anonymous on Dec 7, 2008 - 5 answers

30-year investment portfolio which has to start before the end of the year and wants to be left alone afterwards?

If you had a very strong incentive to invest money before the end of the year with a 30-year outlook, and a further strong incentive to not adjust your investment strategy over that timeframe unless absolutely necessary, what kind of portfolio would you assemble? [more inside]
posted by anonymous on Dec 5, 2008 - 15 answers

How should I invest for retirement?

I am trying to figure out how to invest money for retirement and otherwise. I am in my late 20s, earn $55,000 annually, have no debt, and about $90,000 in savings. I am currently putting 5% of my salary into a 403(b) which is the maximum amount my employer will match. [more inside]
posted by anonymous on Dec 2, 2008 - 11 answers

Is it time to use our retirement funds to buy 2 houses?

We have a house but want another one. Hope to retain ownership of both. Please help us figure out how to accomplish this in the midst of the wild economy without making a huge mistake. [more inside]
posted by anonymous on Nov 23, 2008 - 11 answers

Picking the right solo 401k provider

How should I evaluate prospective solo 401k providers? [more inside]
posted by gsh on Nov 17, 2008 - 2 answers

Philosophers still teaching after 80

Famous philosophers who taught philosophy well into their eigthies or nineties? [more inside]
posted by amusem on Nov 5, 2008 - 11 answers

What would you do with my money?

Looking for opinions here. My husband just retired, we have a government pension of $1,600/month. House paid for, ditto basic health insurance; we can live comfortably (high speed net access, Netflix, newspaper) if we're careful. We have $12,000 in savings, in cash. SO: save it all & add to it (last summer's plan) or spend some or all of it on useful items that may get scarcer and/or more expensive. What would you do?
posted by kestralwing on Oct 27, 2008 - 21 answers

Get Rich or Die Tryin'

Financial advice-filter. I'm a college student with no debt and negligible living expenses. Where should I be putting my income? [more inside]
posted by anonymous on Oct 27, 2008 - 8 answers

How to get a transcript of House Oversight Committe hearing?

Where can I get a transcript of today's House Oversight Committee hearings? [more inside]
posted by de void on Oct 23, 2008 - 6 answers

How do I find my aging dad a job?

What sorts of jobs might my retirement-age father be able to pursue to keep up with expenses? [more inside]
posted by anonymous on Oct 14, 2008 - 17 answers

at this rate I'll have a downpayment for a nice shack in hooverville left.

I've lost 5% of my 401K in THREE DAYS. What to do? [more inside]
posted by Kellydamnit on Sep 17, 2008 - 32 answers

How do I stop the bleeding?

I know you are not my broker. Despite my personal contributions and my employer match, my 401K has 7% less money in it now than it had a year ago, which is, in turn, is 6% less than it had at this time two years ago. I understand that I'm supposed to be in this for the "long haul" but at this rate I'm losing money faster than I can contribute it. How do I fix this? [more inside]
posted by anastasiav on Sep 16, 2008 - 17 answers

What to do with my small 403(b)

Should I transfer my retirement assets (403b) from a mid-level risk money market fund ? [more inside]
posted by HuronBob on Sep 15, 2008 - 12 answers

I wanna be a woman of independent means... for more than a few months.

Okay, so let's say you're a broke, middle-aged single female creative professional who infamously sucks with anything involving numbers. You do have expensive tastes, but you're generally quite frugal and like to shop at the 99¢ Store & swap meets. Even so, much to your own annoyance, you have just never done *well* with money when you've had it or ever done much grown up "long-term life planning"... but now you're about to come into a one-time windfall (possibly a six to seven figure sum in all). Oh Lordy. Time to grow up. [more inside]
posted by anonymous on Sep 14, 2008 - 23 answers

Can I afford to retire?

I am 60 years old and thinking of retiring, but unsure about how much money I need to live without working. I have a net worth of $3 million, half of it in two pieces of rental propery with the other half in stocks, bonds and a pension, but live in an expensive area and have a spouse who likes to live well and travel a lot. Can anyone out there offer some good advice?
posted by jc1745 on Aug 28, 2008 - 14 answers

Is cash value life insurance a good investment?

Is cash value life insurance a good investment? [more inside]
posted by no_moniker on Aug 11, 2008 - 13 answers

Am I better off with Wachovia Securites or should I jump ship to UBS?

A.G. Edwards / Wachovia Securities vs. UBS. Which is the way to go? [more inside]
posted by TwilightKid on Aug 11, 2008 - 11 answers

Alternatives to super when the economy isn't doing so great?

What should I do in addition to super to have any hope of retiring several decades from now? [more inside]
posted by wingless_angel on Jul 28, 2008 - 4 answers

Can I opt out of income taxes on inherited retirement benefits?

Can I opt out of paying income taxes on inherited retirement benefits in the USA? I won't be filing a tax return, anyway. [more inside]
posted by xanthippe on Jul 22, 2008 - 9 answers

VTIVX FOF FTW?

What, if anything, is a "Target Retirement" fund like VTIVX missing? [more inside]
posted by selfnoise on Jun 30, 2008 - 4 answers

MAGI May (Be Headed North of $100k)

Will opening a Solo 401(k) before year's end reduce my modified adjusted gross income (MAGI)? I'm a 28-year-old freelance worker with a sole proprietorship, and I'd like to be able to fully fund my Roth IRA for 2008 [more inside]
posted by anonymous on Jun 26, 2008 - 1 answer

Why can't I close out and withdraw from my 401k? Any way out?

I want to close out my 401k (and pay the necessary taxes) so I can pay off some debt. My 401k says I'm not allowed. Why not? Can I change anyone's mind? [more inside]
posted by anonymous on Jun 9, 2008 - 14 answers

A sensible saving plan for an uncertain international future?

PersonalFinanceFilter: 25 year old looking to start making payments into something pensionesque, but with an international bent. Any suggestions? [more inside]
posted by Cantdosleepy on May 15, 2008 - 6 answers

Safety for a 401K

Aged 65, still working, have 401K, worried about it, can I move the funds to a self directed IRA money market fund?
posted by Freedomboy on Apr 28, 2008 - 5 answers

When do we abandon the stock market (for investing)?

So, we're in a recession. At what point should we pull our investments out of the stock market? [more inside]
posted by raddevon on Apr 25, 2008 - 30 answers

Utility of variable annuities?

Help me analyze a variable annuity as a tax-deferred retirement savings option. [more inside]
posted by kanuck on Apr 17, 2008 - 3 answers

Please help me decide between Fidelity and Vanguard.

Questions about opening a Roth IRA -- particularly, does it matter where I open it? If so, Fidelity vs. Vanguard? [more inside]
posted by salvia on Apr 6, 2008 - 13 answers

Money for money

Is it a good idea to take out a 401k loan to pay off unsecured credit card debt, and how do these loans work?
posted by chickaboo on Apr 1, 2008 - 22 answers

Roth IRA contributions?

Can I contribute to my Roth-IRA from my savings account if I don't earn an income? [more inside]
posted by ruwan on Mar 19, 2008 - 7 answers

Should I cancel my life insurance policy and use it to pay off my consumer debt?

Should I cancel my life insurance policy and use it to pay off most or all of my consumer debt? [more inside]
posted by anonymous on Feb 29, 2008 - 8 answers

How can I protect myself from my financially unstable mother?

How can I protect myself from my financially unstable mother? [more inside]
posted by fan_of_all_things_small on Feb 19, 2008 - 24 answers

Did the ant and the grasshopper both retire comfortably?

At what age did you start saving for retirement? At what age do you recommend starting to save for retirement? [more inside]
posted by chickletworks on Feb 19, 2008 - 42 answers

Recommendations for a financial advisor/accountant for a young couple?

Recommendations for a financial advisor/accountant for a young couple in NYC? [more inside]
posted by scazza on Jan 30, 2008 - 2 answers

What should I roll over my pension plan into?

What should I do with the $5k I have sitting in the Teacher Retirement System of Texas pension plan now that I'm starting a new job with no retirement plan to roll it over into? [more inside]
posted by lychee on Jan 23, 2008 - 8 answers

Canadian eligible for retirement plan in U.S.?

My boyfriend is a Canadian citizen working in the United States on a TN visa. Is he eligible to enroll in his employer’s retirement plan? [more inside]
posted by zgg105 on Dec 17, 2007 - 1 answer

Withdraw Or Not?

Should I use a hardship withdrawal for my 401K to pay down/off my credit card revolving credit debt? The total debt is over $200K. I am 57. I do not anticipate retirement for another 10 years or so. I have approx $100k in the 401K that I can access. I know that there are IRS penalties for such a withdrawal but my thought was it is better to pay off the debt now and build the 401k back up. So, should I withdraw or not?
posted by cmh0150 on Dec 3, 2007 - 22 answers

Legitimate "work from home" opportunities while living abroad?

What are some legitimate "work at home" opportunities for someone looking for something to do while in "early/semi" retirement and living abroad? [more inside]
posted by fsmontenegro on Nov 12, 2007 - 6 answers

The new job I'm at offers a crappy 401K program--no matching at all!! Should I enroll in it or just keep my money and put it into an IRA when I have the minimum?

The new job I'm at offers a crappy 401K program--no matching at all!! Should I enroll in it or just keep my money and put it into an IRA when I have the minimum? [more inside]
posted by misanthropicsarah on Nov 6, 2007 - 23 answers

Penny foolish and Pound foolish

How to tell inlaws to buck up and be frugal? [more inside]
posted by ian1977 on Nov 6, 2007 - 41 answers

If the dollar collapses, what the hell happens to my retirement account?

Looking for good articles, links, etc. that discuss (rationally, not all panicky-like) strategies for managing one's 401(k) in light of recent shifts in the market and (perhaps more importantly) the declining dollar. So far, everything I've found seems geared toward investors managing their stock portfolios rather than workers managing their retirement accounts. [more inside]
posted by anonymous on Oct 1, 2007 - 7 answers

What experiences have you had with 401(k) rollovers?

What experiences have people had rolling 401(k)s over into traditional IRAs? [more inside]
posted by moz on Aug 15, 2007 - 11 answers

401K Emergency withdrawel?

A tax question. Our family has experienced a drop in income and an emergency (not medical). I have a 40 thousand dollar 401K retirement fund and want to get 16K out of it. Our family makes 91K gross with two dependents. What will be the tax hit on the 15 k from the retirement fund (so we won't be surprised at tax time). [more inside]
posted by anonymous on Jul 21, 2007 - 6 answers

Should I put my Eggs in a Risky Basket?

IRAfilter: Am about to get a traditional IRA to roll some retirement funds into from an expired employer plan. Got stuck when I was asked which mutual funds to select. [more inside]
posted by ikahime on Jul 17, 2007 - 10 answers

Selling shares within a Roth IRA

What are the rules about selling shares held in a Roth IRA? Warning: still a bit of a finance n00b... [more inside]
posted by electric_counterpoint on Jul 13, 2007 - 17 answers

401K and IRA Questions

I've several tax-related questions. Background: (a) I just became eligible in my job to participate in the firm's 401K program--the firm makes a 3% contribution--since I'm over 50 (I'm 57), I'm told I can contribute a maximum of $20,500 during 2007; (b) I have a traditional IRA from the past; and (c) I also am self-employed in addition to working for the firm. My questions are: (1) Since I have ample assets, would it not make sense to immediately start contributing my ENTIRE salary into the 401K until I max out the $20,500 limit? (2) Related to #1, would it not make sense to change my withholding so that nothing is withheld, eg so that the entire amount of my gross is contributed to the 401K? (3) Is there any reason why I should not "roll over" my traditional IRA to the 401K? (4) Am I able to make a contribution to my IRA in addition to my contribution to the 401K? (5) If I don't roll over my IRA, should I convert it to a Roth?
posted by america4 on Jul 7, 2007 - 8 answers

Can I turn my parents from couch potatoes into spring chickens?

Both my parents are mad, Scottish and retired. They're 65 and 68, and weren't brought up in a culture of exercise. Now that they don't have a dog, they're terrifyingly sedentary. When I bring up the subject of exercise they either get defensive, or blow it off as something that crazy Americans do. How can I get them into some sort of vaguely regular exercise routine? [more inside]
posted by forallmankind on Jul 2, 2007 - 30 answers

Life in the Quad Cities?

We are semi-retired and live (and grew up) in Chicago. I went to college in a little river town along the Mississippi in Iowa and we're now thinking about moving to the Quad Cities as we are sick of the density, smog and crime in Chicago and long for slower, more peaceful days. There are some great running trails and fantastic old homes in Iowa in the Historic District, near the River, which appeal to us very much, but I'm worried about the lack of top notch hospitals/doctors and the fact that Iowa taxes both out of state pensions and Social Security. Any thoughts on the benefits or lack of same of the Quads? My husband and I both have some health problems but not immediate ones . Our specialists are in Chicago but I hate to think that we will not be able to enjoy the rest of our lives (we are 63 and 64) waiting for the Grim Reaper or trip to the ER. Thanks for any help.
posted by Tullyogallaghan on Jun 13, 2007 - 10 answers

Should we save for down payment or pay off our student loans?

Should we save for down payment or pay off our student loans? and what about retirement? [more inside]
posted by esolo on Jun 11, 2007 - 20 answers

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