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Viewing 15 posts - 631 through 645 (of 734 total)
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  • December 12, 2007 at 11:56 PM in reply to: 401k advice #115935
    pencilneck
    Participant

    Unless you are fully (or nearly fully) vested the employer match isn’t much incentive to participate in a 401k. I have no data to support this, but in the first few years of employment the odds are probably high that you will be working elsewhere before being fully vested.

    At your second or third complete year with the company you will have a much stronger feeling for whether or not you will be with this company the 4-5 years it would take to make participating in the 401k worth while.

    My advice is to save/invest in other ways right now.

    December 12, 2007 at 11:56 PM in reply to: 401k advice #115967
    pencilneck
    Participant

    Unless you are fully (or nearly fully) vested the employer match isn’t much incentive to participate in a 401k. I have no data to support this, but in the first few years of employment the odds are probably high that you will be working elsewhere before being fully vested.

    At your second or third complete year with the company you will have a much stronger feeling for whether or not you will be with this company the 4-5 years it would take to make participating in the 401k worth while.

    My advice is to save/invest in other ways right now.

    December 12, 2007 at 11:56 PM in reply to: 401k advice #115972
    pencilneck
    Participant

    Unless you are fully (or nearly fully) vested the employer match isn’t much incentive to participate in a 401k. I have no data to support this, but in the first few years of employment the odds are probably high that you will be working elsewhere before being fully vested.

    At your second or third complete year with the company you will have a much stronger feeling for whether or not you will be with this company the 4-5 years it would take to make participating in the 401k worth while.

    My advice is to save/invest in other ways right now.

    December 12, 2007 at 11:56 PM in reply to: 401k advice #116008
    pencilneck
    Participant

    Unless you are fully (or nearly fully) vested the employer match isn’t much incentive to participate in a 401k. I have no data to support this, but in the first few years of employment the odds are probably high that you will be working elsewhere before being fully vested.

    At your second or third complete year with the company you will have a much stronger feeling for whether or not you will be with this company the 4-5 years it would take to make participating in the 401k worth while.

    My advice is to save/invest in other ways right now.

    December 10, 2007 at 11:59 AM in reply to: Staggering credit numbers… #113140
    pencilneck
    Participant

    Do either of you have a link to this data? I looked (not very hard, I admit) and couldn’t find it.

    Thanks in advance!

    December 10, 2007 at 11:59 AM in reply to: Staggering credit numbers… #113256
    pencilneck
    Participant

    Do either of you have a link to this data? I looked (not very hard, I admit) and couldn’t find it.

    Thanks in advance!

    December 10, 2007 at 11:59 AM in reply to: Staggering credit numbers… #113298
    pencilneck
    Participant

    Do either of you have a link to this data? I looked (not very hard, I admit) and couldn’t find it.

    Thanks in advance!

    December 10, 2007 at 11:59 AM in reply to: Staggering credit numbers… #113302
    pencilneck
    Participant

    Do either of you have a link to this data? I looked (not very hard, I admit) and couldn’t find it.

    Thanks in advance!

    December 10, 2007 at 11:59 AM in reply to: Staggering credit numbers… #113340
    pencilneck
    Participant

    Do either of you have a link to this data? I looked (not very hard, I admit) and couldn’t find it.

    Thanks in advance!

    December 10, 2007 at 11:33 AM in reply to: Stated income liability #113075
    pencilneck
    Participant

    Wouldn’t this be fraud on the part of the borrower, rather than the original lender?

    I don’t know if or how this changes the scenario.

    December 10, 2007 at 11:33 AM in reply to: Stated income liability #113191
    pencilneck
    Participant

    Wouldn’t this be fraud on the part of the borrower, rather than the original lender?

    I don’t know if or how this changes the scenario.

    December 10, 2007 at 11:33 AM in reply to: Stated income liability #113232
    pencilneck
    Participant

    Wouldn’t this be fraud on the part of the borrower, rather than the original lender?

    I don’t know if or how this changes the scenario.

    December 10, 2007 at 11:33 AM in reply to: Stated income liability #113239
    pencilneck
    Participant

    Wouldn’t this be fraud on the part of the borrower, rather than the original lender?

    I don’t know if or how this changes the scenario.

    December 10, 2007 at 11:33 AM in reply to: Stated income liability #113275
    pencilneck
    Participant

    Wouldn’t this be fraud on the part of the borrower, rather than the original lender?

    I don’t know if or how this changes the scenario.

    December 9, 2007 at 10:29 AM in reply to: For all you prudent renters #112380
    pencilneck
    Participant

    I’m not bitter at all about waiting to purchase a home.

    I had a hell of a time convincing my wife that we should wait to purchase (still do, to be truthful) and even if I had purchased in 2002-2005 there is no way she would have let me sell to lock in the profit.

    So yes, I took the middleground (renting) and am quite happy with this decision.

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