tag:blogger.com,1999:blog-81670530427500126982024-03-12T16:40:12.473-07:00401k Max Limits and Catch up Contribution-2013IRS has announced an increase in maximum elective deferral amount for the year 2013. Now a plan participant can contribute up to total $23,000 as a pre tax elective deferral amount in his 401k account.401k Loanshttp://www.blogger.com/profile/11552498512284168244noreply@blogger.comBlogger11125tag:blogger.com,1999:blog-8167053042750012698.post-72715341034209951992013-07-05T02:25:00.001-07:002013-08-08T01:45:46.465-07:00How Does A Thrifty Lifestyle Help You Manage Your Money Effectively?<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Are you
paying your monthly bills properly? Do you want to enjoy a secure life? The
best way to do so is to choose the right retirement plan like a 401K account.
With this account you get chances to apply for loans that come up with various
withdrawal facilities and help you get better ways to managing retirement
plans. Here’s how to be thrifty and how to enjoy life better.</span><br />
<br />
<span style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">No matter
how much you earn everything, the amount you save for future is taken into
consideration to ensure your future financial freedom. In order to save more,
you can’t stop leading your life. You can start practicing few easy ways to
managing retirement planning better and get easier access to the future
security easily. With a 401K plan, you get opportunities for applying your
loans. There are many things that you have to take care of for the benefits
after your retirement.</span><br />
<br />
<span style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Here are
some simple ways to be thrifty-</span><br />
<br />
<span style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">#1. Shopping
During Sale Season-</span><br />
<span style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Don’t stop
shopping branded clothes, accessories and perfumes. It will help you enjoy your
life better. However, you have to keep in mind that shopping at anytime may
make a hole in your wallet. The simplest way to shop for things that you want
is to shop during sale season. The most important thing during shopping is that
you can shop all what you want during your sale season. It would be better if
you start making a schedule properly on time.</span><br />
<br />
<span style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">#2. Traveling At Discounted Airfares and Booking Budgeted Hotels-</span><br />
<br />
<span style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">If you are
an avid traveler, there’s no need to put a full stop on your travel plans.
Rather, you can use discount offers easily and travel to dream destinations.
There are many things that you have to be careful about. But, now you have to
make sure that you are booking budgeted hotels and cheaper fare cost. It will
be beneficial to you if you talk and expert and plan strategically for a
withdrawal. Even, 401K loan plans are a good source of money.</span><br />
<br />
<span style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">#3. Planning
All Events of Life in Advance-</span><br />
<br />
<span style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Once you
enter professional life, you have to be careful about, how can you manage all
your responsibilities that are expected of you. The biggest thing is that you
have to be careful while making sure that your planning all events in advance.
There is no need that you have to plan it in a bigger way but planning an
outline is really essential.</span><br />
<br />
<span style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">#4.
Valuation and Re-assessing of Assets-</span><br />
<br />
<span style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">One must
value the assets he/she has. The most important thing is that you have to
allocate your asset in order to get the highest value of it over time and
safeguard the value of your assets by reassessing your valuable assets.</span><br />
<br />
<span style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">The Bottom
Line-</span><br />
<br />
<span style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Living your
life on things you really need is important. However, you must be careful that
you are trying to be economical over time. There are many easy yet effective
ways to lead your life properly and get started easily for your betterment in
the future. Even for applying for <a href="http://www.401kgps.com/401k-loan.aspx" target="_blank"><b>401k Plan loans</b></a> needed to be
planned properly or you may be in trouble. </span><br />
<br />
<br />
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401k Loanshttp://www.blogger.com/profile/11552498512284168244noreply@blogger.com0tag:blogger.com,1999:blog-8167053042750012698.post-10855706403206279132012-11-07T01:18:00.001-08:002013-07-26T01:51:05.732-07:00401K Withdrawals : Financial Consultation That Really Matters <div dir="ltr" style="text-align: left;" trbidi="on">
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<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span lang="EN-IN">Takeout is a smart concept for meals, but not so excellent for your
401k. Like IRAs, 401ks are long-term financial commitment automobiles developed
to help daily traders get ready for pension. Because 401ks provide tax-deferred
development and the prospective for adding to attention, they can be one of the
best methods to obtain resources for pension. But what if you have an urgent
and you need cash fast? For outstanding conditions, there are a several methods
to take cash out of your 401k. </span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span lang="EN-IN">An easier choice is to take a mortgage. In common, getting a 401k
mortgage is simple. There are little documents and it does not need credit
acceptance. Of course there are disadvantages. For one thing, you have to pay
back the mortgage within enough time specified by your strategy. And you pay
back the mortgage with after-tax money. If you do not pay back the mortgage
within enough time offered, the cash you obtained is regarded a taxed
submission and all tax charges implement.</span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span lang="EN-IN">Keep in thoughts that when you take cash out of your 401k pension
consideration, you are decreasing the cash that can substance. While you are
gradually paying the mortgage with a bit of included attention, this slowly pay
back schedule can negatively impact the amount in which your cash can develop
if it stayed within your 401k as a whole quantity. That's because the cash
wasn't operating for you while it was out of the consideration.</span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span lang="EN-IN">Prevent taking money out of your 401k if you can so you do not have
to deal with the tax repercussions, or reduce your pension financial
commitment. If you must take a loan, discuss with your financial commitment
expert about your choices and focus on the guidelines of your personal
strategy. Each strategy is different and doing some preparation beforehand may
help you avoid agonizing excitement later.It’s possible to take pension income
without taxation due, under present tax regulations. This is achieved through a
mixture of results distributions and loans against your cash value, and making
sure the plan does not stop.</span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span lang="EN-IN">Distributions from conventional 401(k)’s and certified programs
(other than Roth-type plans) are taxed. If tax prices improve later on, as most
professionals believe they will, and you are effective in increasing your
nest-egg, you could end up spending greater taxation on a bigger variety.Many
people believe they are going to come out forward tax-wise by deferring
taxation, however, deferring taxation could actually result in your spending a
huge 118% more tax – and that is supposing the tax prices do not improve at all.<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<iframe allowfullscreen='allowfullscreen' webkitallowfullscreen='webkitallowfullscreen' mozallowfullscreen='mozallowfullscreen' width='320' height='266' src='https://www.youtube.com/embed/-6HbR66zgZg?feature=player_embedded' frameborder='0'></iframe></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span lang="EN-IN">Before you choose to take out cash from your 401(k) pension
strategy, there are few 401(k) drawback guidelines you should be conscious of.
First, you need to keep in mind that <a href="http://401kgps.com/" target="_blank"><b>401(k) pension programs</b></a> are designed to
provide for your pension, significance the Inner Income Service has
particularly started drawback guidelines regulating 401(k) programs to make it
challenging for you to take out your pension cash for other requirements. While
you may take out cash from your <a href="http://www.401kgps.com/life-planning.aspx" target="_blank"><b>401(k) strategy</b></a> after you arrive at 59 ½, there
are a few circumstances in which you can also take out cash under the 401(k)
drawback guidelines before attaining that age.</span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span lang="EN-IN">Summary: </span></b><span lang="EN-IN">Prevent taking money out of your 401k if you can so you do not have
to deal with the tax repercussions, or reduce your pension financial
commitment. If you must take a <a href="http://www.401kgps.com/401k-loan.aspx" target="_blank"><b>401k loan</b></a>, discuss with your financial commitment
expert about your choices and focus on the guidelines of your personal
strategy.</span></div>
</div>
401k Loanshttp://www.blogger.com/profile/11552498512284168244noreply@blogger.com1tag:blogger.com,1999:blog-8167053042750012698.post-48303830397274302472012-08-29T04:31:00.000-07:002012-10-29T00:31:10.080-07:00What are the different types of 401k plan?<div dir="ltr" style="text-align: left;" trbidi="on">
here are basically two types of 401k plan, based on the nature of the plan.<br />
1) Traditional <b><a href="http://www.401kgps.com/" target="_blank">401k plan</a></b><br />
2) Roth<br />
<br />
Tax Rules for Traditional 401k Plan:<br />
In this types of 401k plan wages are amount are contributed before taxes from each Payecheck, It is just like of deferred salary. Also, The Taxable income drops by the amount you contribute. Also, a participant has to pay the income taxes on the based of contribution and earning upon withdrawal.<br />
<br />
Withdrawal rule for traditional 401k plan:<br />
In this types of 401k plan, you can not withdraw your funds before age 59 ½ , But you can withdraw the amount at age 55, if you leave your employer at age 55 or older. If you decide to withdraw the fund in early, then you have to pay 10% penalty on top of the usual tax bill.<br />
<br />
<br />
Tax rule for <a href="http://401kgps.com/" target="_blank"><b>Roth 401k Plan</b></a>.<br />
In this types of plan contributions are made with money that is already been taxed. It means, You do not have to pay any taxes upon withdrawal.<br />
<br />
Withdrawal rules for roth 401k plan:<br />
This types of 401k plan has better flexibility than traditional 401k plan. It provides free access to your money as long as you have held the account for 5 years.</div>
401k Loanshttp://www.blogger.com/profile/11552498512284168244noreply@blogger.com0tag:blogger.com,1999:blog-8167053042750012698.post-69198080026699705782012-06-13T00:25:00.000-07:002013-08-08T01:45:18.715-07:00401k maximum catchup contribution Limit for the year 2012<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="separator" style="clear: both; text-align: center;">
<iframe allowfullscreen='allowfullscreen' webkitallowfullscreen='webkitallowfullscreen' mozallowfullscreen='mozallowfullscreen' width='320' height='266' src='https://www.youtube.com/embed/CfQB7v1zfHE?feature=player_embedded' frameborder='0'></iframe></div>
The IRS has now released the official 2012 401k, 403b and other 401k retirement plan contribution limits, which reflect a $500 increase over the 2011 standard <b><a href="http://www.401kgps.com/contribution-limits.aspx" target="_blank">401k contribution limit</a></b>. It is a result of higher inflation and the latest cost of living adjustment (COLA) figures. The 2012 contribution limits is the first increase in three years. Each year in October these limits are adjusted according to a formula based on the inflation rate in the third quarter vs. the previous year’s quarter.<br />
<br /></div>
401k Loanshttp://www.blogger.com/profile/11552498512284168244noreply@blogger.com0tag:blogger.com,1999:blog-8167053042750012698.post-80594529187902315862012-06-04T21:09:00.001-07:002012-06-04T21:09:46.692-07:00Early Withdrawals - 401k Advice<a href="http://investment.ezinemark.com/early-withdrawals-401k-advice-18d5e9c4af9.html#.T82GYPic62s.blogger">Early Withdrawals - 401k Advice</a><br />
Get the useful 401k investment advice from 401k GPS, an investment advisory firm based in USA, at<br />
<table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 268px;"><tbody>
<tr height="20" style="height: 15.0pt;"> <td class="xl65" height="20" style="height: 15.0pt; width: 201pt;" width="268"><a href="http://www.401kgps.com/what-is-401k.aspx">http://www.401kgps.com/what-is-401k.aspx</a></td></tr>
</tbody></table>401k Loanshttp://www.blogger.com/profile/11552498512284168244noreply@blogger.com0tag:blogger.com,1999:blog-8167053042750012698.post-61769826078135129762012-06-04T21:04:00.001-07:002012-06-04T21:04:36.357-07:00What Is A 401K?<a href="http://retirement.ezinemark.com/what-is-a-401k-55f73d76034.html#.T82EuwaG7fo.blogger">What Is A 401K?</a><br />
It is really something fresh and useful article about 401k retirement plan. You can also get the all the details of 401k retirement plan from<br />
<br />
<table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 268px;"><tbody>
<tr height="20" style="height: 15.0pt;"> <td class="xl64" height="20" style="height: 15.0pt; width: 201pt;" width="268"><a href="http://www.401kgps.com/what-is-401k.aspx">http://www.401kgps.com/what-is-401k.aspx</a></td></tr>
</tbody></table>401k Loanshttp://www.blogger.com/profile/11552498512284168244noreply@blogger.com0tag:blogger.com,1999:blog-8167053042750012698.post-87335914839649820572012-06-01T05:05:00.001-07:002012-06-01T05:05:11.594-07:00Innovation Is a Discipline, Not a Cliché - Scott Anthony - Harvard Business Review<a href="http://blogs.hbr.org/anthony/2012/05/four_innovation_misconceptions.html?awid=8970458363217328109-3271#.T8iv4jlv674.blogger">Innovation Is a Discipline, Not a Cliché - Scott Anthony - Harvard Business Review</a>401k Loanshttp://www.blogger.com/profile/11552498512284168244noreply@blogger.com0tag:blogger.com,1999:blog-8167053042750012698.post-72370131066199430872012-05-10T01:44:00.003-07:002013-08-08T01:44:52.540-07:002011 vs. 2012 ,401k Contribution Limits and Catch-up Amounts<div dir="ltr" style="text-align: left;" trbidi="on">
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Updated and new 401k contribution limits for 2012 has been
released by IRS,which reflect a $500 increase over the 2011 standard 401k
contribution limit. </div>
<div class="MsoNormal">
What this means for your 401k retirement plans: </div>
<div class="MsoNormal">
The maximum amount an employee can contribute to a 401k in
2012 will increase to $17,000 and for individuals over the age of 50,<span style="mso-spacerun: yes;"> </span>While their catch-up contribution will remain
unchanged at $5,500 .</div>
<div class="MsoNormal">
<br /></div>
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Points to be remembered:</div>
<div class="MsoNormal">
<span style="mso-spacerun: yes;"> </span>401k maximum
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401k Loanshttp://www.blogger.com/profile/11552498512284168244noreply@blogger.com0tag:blogger.com,1999:blog-8167053042750012698.post-42805758443906617782012-05-07T23:35:00.001-07:002012-05-07T23:35:17.231-07:00Benefits of 401K GPS membership<div dir="ltr" style="text-align: left;" trbidi="on">
Here are the benefits of 401k GPS membership.<br />We will teach you first that <a href="http://www.401kgps.com/what-is-401k.aspx" target="_blank"><b>what is 401k</b></a> plan?<br /><br /><br />Find more expert advice for your <a href="http://www.401kgps.com/" target="_blank"><b>401k plan</b></a>,<br />Discuss hot topics with other members of 401k GPS, <br />You can control of your <a href="http://www.401kgps.com/" target="_blank"><b>401K</b></a> plan!<br />We also give you a free subscription to our 401K GPS Newsletter.<br />Quarterly,Half- yearly and year-end reports and latest market commentary reviews.<br /><br />401k GPS Membership Process:<br />1) Sign Up<br />2)Send us your 401k fund option offered by your compnay.<br />3)After reviewing your 401k available fund option, We will recommend you the best possible 401k plan for you.<br />4)Now Just enjoy the peace of mind and your money.<br />
Important note: The <a href="http://www.401kgps.com/contribution-limits.aspx" target="_blank"><b>401k limits</b></a> or <a href="http://www.401kgps.com/contribution-limits.aspx" target="_blank"><b>401k contribution Limit</b></a> for year 2012 is now become $17,000</div>401k Loanshttp://www.blogger.com/profile/11552498512284168244noreply@blogger.com0tag:blogger.com,1999:blog-8167053042750012698.post-57086247125719214342012-04-30T04:56:00.000-07:002013-08-08T01:39:49.357-07:00What is a 401(k)?<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><b><a href="http://www.401kgps.com/what-is-401k.aspx" target="_blank">What exactly is a 401k </a></b>?</span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">401k is a type retirement plan
sponsored by workers or employer. 401k plan lets employers save and invest a part
of their paycheck or salary before taxes are paid out. Also, The Taxes aren’t
paid out until the money is withdrawn from 401k account.<o:p></o:p></span></div>
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</div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">For those who are about to retire in coming days, tough
times are ahead. They must go ahead with some of the best available retirement
plans to let the life get the wings. Federal government offers a number of
retirement plans to the retirees to let them having the essence of good life. Among
the other type of retirement plans available to the retirees, there are government
sponsored plans, personal plans, annuities and employer sponsored plans. Government
sponsored plans are offered by the government and available in the category of </span><span lang="EN-IN" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">social Security plans.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify; text-justify: inter-ideograph;">
<span lang="EN-IN" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">Personal plans are most
popular example of the retirement plans, where plans are designed in different
type of tax </span><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">treatment policies. Annuities are other plans whereas</span><span lang="EN-IN" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;"> insurance company works ahead with fixed and variable annuities. Employer
sponsored plans are available in two types, qualified and non-qualified
retirement plans. Qualified retirement plans are offered by the federal
authorities in the strict terms and regulations of Employee Retirement Income
Security Act of 1974 (ERISA) requirements.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify; text-justify: inter-ideograph;">
<span lang="EN-IN" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">For the retirees, these
innovative plans offer number of major tax benefits. These offers allow the employers
to deduct annual allowable contributions for each retiree participant. All the contributions
and earnings available under the scheme are tax-deferred for the users until
they withdraw some amount in the growing times of the volatile markets. Now some
of the taxes are easily deferred type of IRA. In contrary, the non-qualified
retirement plans known as those plans that either not follow the aspects of the
global investment requirements. <o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify; text-justify: inter-ideograph;">
<span lang="EN-IN" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">Defined
benefit plans</span><span lang="EN-IN" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;"> are company retirement
plans like pension plans. In these <a href="http://401klimit.blogspot.in/2012/04/what-is-401k.html" target="_blank">401k plans</a> a retired employee obtains a sum of specific
amount that comes as the part basic salary and service duration. In these kinds
of retirement plans, employee and employer make the contributions as the sum of
average compensation in the highest compensation amount. <o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify; text-justify: inter-ideograph;">
<span lang="EN-IN" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">Pensions
are known as another kind of investment vehicle that guarantees specific amount
to be paid to the retiree’s persons during the retirement. </span><span lang="EN-IN" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">Federal government offers several pension plans to them to get the best
available pension items on the deal. <o:p></o:p></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;"><br /></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">Post retirement plans are
designed and developed by the investment bankers, employers and government
agencies to allow the retirees get the best investment benefits. These pension
plans are unaffected by the volatile status of the global markets. These plans
are based on the annuities and other investment instruments that come hand to
hand. Professionals in the domain offer various advantages to the users in
terms of security and fund advantages together. If you are going to retire in
times to come, don’t take stress, you have a number of plans to secure your
life in the best manner possible.</span></div>
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<b><span lang="EN-IN" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">Summary<o:p></o:p></span></b></div>
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<span lang="EN-IN" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 150%;">In these kinds of retirement
plans, employee and employer make the contributions as the sum of average
compensation in the highest compensation amount. Pensions are known as another kind of<b><a href="http://www.401kgps.com/investment-vehicles.aspx" target="_blank"> investment vehicles</a></b> that guarantees
specific amount to be paid to the retiree’s persons during the retirement.<b> </b><o:p></o:p></span></div>
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401k Loanshttp://www.blogger.com/profile/11552498512284168244noreply@blogger.com0tag:blogger.com,1999:blog-8167053042750012698.post-71994032824613942582012-04-09T01:55:00.002-07:002013-08-08T02:28:55.888-07:00What is 401k Limits?<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="background-color: orange;"><span style="color: #121212; font-family: Georgia, serif; font-size: 13.5pt;">401k Contribution Limits
– Making the Retirement Life of Employees Tension Free and Fun Filled<o:p></o:p></span></span></div>
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<span style="background-color: orange;"><span style="color: #343536; font-family: Georgia, serif; font-size: 8pt;">The very thought of
retirement brings in mixed emotions like your routine daily professional life
will stop; your income will stop etc. But you can make your retirement life
both relaxing and fun filled if you have planned your retirement correctly. Who
would not like to do things they have dream while they were too busy with
their career like vacation, traveling, get together at exotic locations etc.
But for all this we need to make some good savings. Participating in a 401(k)
retirement plan will make your dreams real.</span></span><br />
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<span style="background-color: orange;"><b><span style="color: #343536; font-family: Georgia, serif; font-size: 8pt;">A 401k Retirement Plan</span></b><span style="color: #343536; font-family: Georgia, serif; font-size: 8pt;"><o:p></o:p></span></span></div>
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<span style="background-color: orange;"><span style="color: #343536; font-family: Georgia, serif; font-size: 8pt;">Before getting yourself
enrolled in any retirement plan one must understand the pros and cons of the same,
like if you are willing to participate in 401k plan, then you should know <b><a href="http://www.401kgps.com/what-is-401k.aspx" target="_blank">what is 401k</a></b> plan?. A 401k retirement
plan can be described as a benefit retirement plan where you set aside a part
of your income which is invested to build your savings for your future. To be a
part of a 401k plan you must be an employee of a company and your employer must
sponsor 401k a plan. You have the liberty to opt how much of your income has to
be set aside each payday. Your employer will also contribute subject to
Employer. There are tax benefits for the same to the employee also. You can
also choose from a list of investment options such as bonds, stocks, and money
market mutual funds, allowing you to create an investment mix that reflects
your comfort level with risk.</span></span><br />
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<span style="background-color: orange;"><b><span style="color: #343536; font-family: Georgia, serif; font-size: 8pt;">The 401kContribution Limits</span></b><span style="color: #343536; font-family: Georgia, serif; font-size: 8pt;"><o:p></o:p></span></span></div>
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<span style="background-color: orange;"><span style="color: #343536; font-family: Georgia, serif; font-size: 8pt;">The <b><a href="http://taxes.about.com/od/retirementtaxes/qt/401k-contribution-limits.htm" target="_blank">401k limits</a></b> for employees during the year of 2011 is $16500 for a
traditional plan. This limit is applicable to employees whose age is below 50
years. If your age is between 50 and 59 and a half you are entitled to a catch
up contribution option of an additional $5000. The contribution you make to a
401k plan is deducted from your salary before tax is deducted from your salary.
Thus the amount which used to go for tax is now getting deposited as a saving
for your retirement and thus is being invested and earning returns. You will have
to pay taxes on this income when you make withdrawals at the time of
retirement. The Employer <a href="http://www.irs.gov/Retirement-Plans/Plan-Participant,-Employee/401(k)-Resource-Guide---Plan-Participants---Limitation-on-Elective-Deferrals" target="_blank"><b>401kContribution Limits</b></a> have been fixed up to 6 percentage of an employee’s pre
tax salary.</span></span><br />
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<span style="background-color: orange;"><span style="color: #343536; font-family: Georgia, serif; font-size: 8pt;">The employer matching
contribution up to 6 percent of an employee’s pre tax salary is not included in
this contribution. In other words the employees who contribute the maximum
amount each year will be still eligible for your employers matching contribution
above and beyond the <b><a href="http://www.401kgps.com/contribution-limits.aspx" target="_blank">401k limit</a></b>. If
you are an employee earning $200,000 then your employer pre tax contribution
will be $12000.<o:p></o:p></span></span></div>
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401k Loanshttp://www.blogger.com/profile/11552498512284168244noreply@blogger.com0