lichaoguo sites

Unemployed tap their 401(k)s

01.11.09

Nearly half of U.S. workers who left their job last year cashed out their 401(k) accounts, according to a study released Wednesday, despite ongoing efforts to dissuade Americans from doing so.

Question: I'm 49 and my wife is 50. We agree on most things, except how much of our investment portfolio we should keep in cash. She is completely risk-averse and focuses only on the "spanking" we took in the market last year. I feel that by letting so much money sit in CDs earning 1% to 2% we're missing out on better opportunities. Currently, we've got about $500,000 in cash as part of an otherwise well diversified portfolio. Can you help me convince her to take half that money and buy into some dividend-paying blue chips? --Garry, Atlanta, Georgia Question: Should I contribute more to my 401(k) than I have to in order to get the company match? --Terry, Kennett, Missouri Question: . My wife and I know we should have an emergency savings fund, but with one income we have nothing left to save after paying expenses.



Money looked for careers with great pay, superior growth prospects, intellectual challenge, flexibility and more. Nearly half of U.S. workers who left their job last year cashed out their 401(k) accounts, according to a study released Wednesday, despite ongoing efforts to dissuade Americans from doing so. Question: I had the good fortune to be able to retire early at age 52, but last year's market meltdown has made me rethink the decision. I may still be okay, but I don't have the same level of certainty I once had. My question is this: How will Social Security be calculated for me and how does the fact that I haven't worked the last few years fit into the calculation? --Jack Ford, West Newbury, Mass.

Question: I'm in my 50s and I got a late start on my 401(k) plan at work. All my contributions go into a balanced fund, but when I get my statement each quarter, it seems that I'm losing as much as I'm contributing. Should I leave my money where it is or should I switch to another fund? --Linda Mandrell, Tampa, Florida

With proper care, a good watch lasts virtually forever. But you don't need to spend a bundle to own one. The iPhone is no longer the only touchscreen 'smart phone' in town. But are the challengers a better value?

Gaming companies have taken a huge hit in the current downturn, and their stocks have been crapping out. But with overseas markets booming and a lot of assets hitting the selling block, some industry watchers say it may be time for investors to put their chips back on the table. There are those rare moments in business when a technology goes from being cutting edge to being an indispensable part of everyday life. Question: My husband and I have been happily married for 28 years. Careful spending and sound planning over time has provided us with a very comfortable financial future. Although we're compatible in many ways, our outlook differs when it comes to enjoying our money. I'm more of a saver and I hate to shop. I'm already retired, and when my husband retires in a year we'll begin drawing on our retirement savings. Can you suggest some tips on how we can communicate effectively about spending our money? How do we assure that we'll both have the independence to decide how we want to spend "our share" without judgment? --Margaret M.



While it may be hard to feel sympathy for America's millionaires, they're feeling the economic crunch, too - nearly a third of their assets have disappeared in the downturn, according to a consulting firm's report released Tuesday. If you think you're immune to market panic, consider this experiment. Capture holiday memories with these snazzy shooters - and still have money left for the turkey.

Box sponsorowany

Usługi związane z szeroko rozumianą reklamą w internecie pozycjonowanie Kraków , tworzenie stron www, tworzenie sklepów, indentyfikacja wizualna.