如果放401，单位match相同的. Then you have to put in the MAX you are allowed to put in. That already indicated 100% investment return on your money.
You have to invest in stocks because you are planning for something in the far future. The stock market will outperform savings in the long run. Particularly, with your retirement fund, since you cannot get money out, you are really really planning for future.
如果放401，单位match相同的. Then you have to put in the MAX you are allowed to put in. That already indicated 100% investment return on your money.
You have to invest in stocks because you are planning for something in the far future. The stock market will outperform savings in the long run. Particularly, with your retirement fund, since you cannot get money out, you are really really planning for future.
Usually there is a limit on the amount you can put in your 401K and a limit the amount your company will match. But i guess schools and govenment ones are always better.
如果放401，单位match相同的. Then you have to put in the MAX you are allowed to put in. That already indicated 100% investment return on your money.
You have to invest in stocks because you are planning for something in the far future. The stock market will outperform savings in the long run. Particularly, with your retirement fund, since you cannot get money out, you are really really planning for future.
A lot of companies match 100% for the contribution = first 3% of annual salary; 50% of the next 2% of annual salary.... Mine is NOT very good. Only 15% of my contribution....oh well...at least it is free money...better than none. [此贴子已经被作者于2010/8/5 15:25:34编辑过]
Some government and nonprofits offer good pension. My LG used to work for a state university. His pension was 10% of his annual salary. Not too shabby. Better than mine.
Some government and nonprofits offer good pension. My LG used to work for a state university. His pension was 10% of his annual salary. Not too shabby. Better than mine.
I did a couple of 401K audits for some of my clients...VERY BORING... Not my favoriate assignments. same here. especially during summer time, a lot of 401k audits work. Boring.
I hate participant testing. you probably don't need to do that detailed work.
same here. especially during summer time, a lot of 401k audits work. Boring.
I hate participant testing. you probably don't need to do that detailed work. This is the first year I have to manage and review 401K audits. My June was not too loaded, so I did a couple just for my clients.
Participant and contribution testings are all tedious. I don't have to do them, but reviewing them gives me a BIG headache.
done. 你什么时候奔你家大美人啊。 Haven't taken any pcitures this week. I have been working until 7 or 8 every night! I haven't even seen M very much this week. Poor thing~~
yeah, maybe your own business, your rental income, your 401k withdraw, your interests, your stock return. you forgot to count the gambling winnings including powerball...lol...
yeah. 10% penalty for the early withdraw. and it will be taxed also according to which tax bracket you fall under for the year that you file taxes for.
Yeah...M_O_N_E_Y.... I would immediately quit working if I win a powerball. I never buy powerball. Our family members was never selected in a lottery drawing no matter with moneytary or without moneytary incentives.
Usually there is a limit on the amount you can put in your 401K and a limit the amount your company will match. But i guess schools and govenment ones are always better.
Some government and nonprofits offer good pension. My LG used to work for a state university. His pension was 10% of his annual salary. Not too shabby. Better than mine.
70*2000=140k!你们公司福利也太好了八
全部报销？太牛了！
我刚查了我们单位，只报50%, 一年最多15各学分。
same here!
你跟我same个啥！你是好命女啊！你至少还投401了，我一分钱都没舍得放，只拿pension，也不知道有几个钱，我太糊涂了！
你刚才一直抱怨火柴的offer,大家狂pai，我就懒得回应了。这么好的offer, 说团聚就团聚了，在很多人身上比登天还难，你还抱怨个啥！
lunch break, go to An jia le
以后要多来跟我们传授传授理财之道！
你跟我same个啥！你是好命女啊！你至少还投401了，我一分钱都没舍得放，只拿pension，也不知道有几个钱，我太糊涂了！
你刚才一直抱怨火柴的offer,大家狂pai，我就懒得回应了。这么好的offer, 说团聚就团聚了，在很多人身上比登天还难，你还抱怨个啥！
-11%的回报率你还觉得我好命，我也没办法了
-11%的回报率你还觉得我好命，我也没办法了
比我家股票强多了！
我算不过来账，你帮帮我，完全拿自己的钱投资股票，亏多少就是亏多少，如果放401，单位match相同的钱，那即便回报率是负的，只要不是太差，是不是就划算？ 假如自己放了1000，单位match1000，回报率-10%，1000 * 200% * （1-10%）=1800？
比我家股票强多了！
我算不过来账，你帮帮我，完全拿自己的钱投资股票，亏多少就是亏多少，如果放401，单位match相同的钱，那即便回报率是负的，只要不是太差，是不是就划算？ 假如自己放了1000，单位match1000，回报率-10%，1000 * 200% * （1-10%）=1800？
你们公司这么好，match100%阿，我们才match3%
你再帮我算算？
你们公司这么好，match100%阿，我们才match3%
你再帮我算算？
555，我一直都理解错了？？！！如果公司说match5%，我以为是自己放工资的5%，公司也给放5%，那就是相同数额。不是这样？
我刚查了一下，我们好像没有match，只有pension，工资的7%。自己另外想多存的话也行，跟单位没有关系。
你们公司这么好，match100%阿，我们才match3%
你再帮我算算？
自己放1000，公司放30？
那就是1000*(103%)*(回报率)
555，我一直都理解错了？？！！如果公司说match5%，我以为是自己放工资的5%，公司也给放5%，那就是相同数额。不是这样？
我刚查了一下，我们好像没有match，只有pension，工资的7%。自己另外想多存的话也行，跟单位没有关系。
yes.
pension is even better.
比我家股票强多了！
我算不过来账，你帮帮我，完全拿自己的钱投资股票，亏多少就是亏多少，如果放401，单位match相同的钱，那即便回报率是负的，只要不是太差，是不是就划算？ 假如自己放了1000，单位match1000，回报率-10%，1000 * 200% * （1-10%）=1800？
如果放401，单位match相同的. Then you have to put in the MAX you are allowed to put in. That already indicated 100% investment return on your money.
You have to invest in stocks because you are planning for something in the far future. The stock market will outperform savings in the long run. Particularly, with your retirement fund, since you cannot get money out, you are really really planning for future.
如果放401，单位match相同的. Then you have to put in the MAX you are allowed to put in. That already indicated 100% investment return on your money.
You have to invest in stocks because you are planning for something in the far future. The stock market will outperform savings in the long run. Particularly, with your retirement fund, since you cannot get money out, you are really really planning for future.
Usually there is a limit on the amount you can put in your 401K and a limit the amount your company will match.
But i guess schools and govenment ones are always better.
看你们聊这些，爆汗！！！
我和牛爸天生就是穷命，对投资一窍不通，前年把奖学金省下来的钱买了点他老板公司的股票，结果亏得一塌糊涂。现在工作了，却不舍得放401，怕亏。
401 also has money market, or bond. Typically, people buy mutural funds instead of individual stock. You will get average return with average risk.
你们公司这么好，match100%阿，我们才match3%
你再帮我算算？
match 100% of the employee contribution?
3% of your annual salary, correct?
如果放401，单位match相同的. Then you have to put in the MAX you are allowed to put in. That already indicated 100% investment return on your money.
You have to invest in stocks because you are planning for something in the far future. The stock market will outperform savings in the long run. Particularly, with your retirement fund, since you cannot get money out, you are really really planning for future.
对啊，所以我说很划算啊。可惜我们没有。
match 100% of the employee contribution?
3% of your annual salary, correct?
think so. If it is a 100% match.
Some companies have 50% match.
yes.
pension is even better.
pension的确好，自己不用出钱，但只有那么一点。
Mine is NOT very good. Only 15% of my contribution....oh well...at least it is free money...better than none.
[此贴子已经被作者于2010/8/5 15:25:34编辑过]
match 100% of the employee contribution?
3% of your annual salary, correct?
我是这么理解的。
Not my favoriate assignments.
[此贴子已经被作者于2010/8/5 15:36:53编辑过]
来来来， 我来奔个娃娃， 庆祝亲家公顺利OFFER。
Perfect timing...waiting:)
pension的确好，自己不用出钱，但只有那么一点。
Some government and nonprofits offer good pension.
My LG used to work for a state university. His pension was 10% of his annual salary. Not too shabby. Better than mine.
401 also has money market, or bond. Typically, people buy mutural funds instead of individual stock. You will get average return with average risk.
我们没有match, 自己想投的话可以放一些，完全就是自己出钱了，但从工资里扣是不是可以省下税？比自己从存款里取钱去买投资合算？
Perfect timing...waiting:)
done. 你什么时候奔你家大美人啊。
Some government and nonprofits offer good pension.
My LG used to work for a state university. His pension was 10% of his annual salary. Not too shabby. Better than mine.
我们是8%,工作7年之后10%. 我就是不知道除了这个pensison, 还要不要再从工资中拿钱放到retirement里面。
我们是8%,工作7年之后10%. 我就是不知道除了这个pensison, 还要不要再从工资中拿钱放到retirement里面。
pension is better than 401k.
401 also has money market, or bond. Typically, people buy mutural funds instead of individual stock. You will get average return with average risk.
是啊，如果有match的话，我肯定放了，最保守也可以放money market。
pension is better than 401k.
pension is better than 401k.
具体说说？
我从来没管过，只知道隔一段会受到pension的statement, default买了什么就是什么.
I did a couple of 401K audits for some of my clients...VERY BORING...
Not my favoriate assignments.
same here. especially during summer time, a lot of 401k audits work. Boring.
I hate participant testing. you probably don't need to do that detailed work.
我们没有match, 自己想投的话可以放一些，完全就是自己出钱了，但从工资里扣是不是可以省下税？比自己从存款里取钱去买投资合算？
这个是deferred tax. 就看是你现在的tax rate高，还是将来退休以后的rate高。
outside with my win7 phone. will do money when I get back to the office.
是啊，如果有match的话，我肯定放了，最保守也可以放money market。
No match? No problelm! Go with Roth 401K. Tax free at the time of distribution.
这个是deferred tax. 就看是你现在的tax rate高，还是将来退休以后的rate高。
这个怎么知道？退休以后没有收入还收税？
No match? No problelm! Go with Roth 401K. Tax free at the time of distribution.
Roth 401k 通过单位买好还是自己去买好？
这个怎么知道？退休以后没有收入还收税？
you have to pay tax when you get money out from your 401k account.
same here. especially during summer time, a lot of 401k audits work. Boring.
I hate participant testing. you probably don't need to do that detailed work.
This is the first year I have to manage and review 401K audits. My June was not too loaded, so I did a couple just for my clients.
Participant and contribution testings are all tedious. I don't have to do them, but reviewing them gives me a BIG headache.
done. 你什么时候奔你家大美人啊。
Haven't taken any pcitures this week. I have been working until 7 or 8 every night!
I haven't even seen M very much this week. Poor thing~~
这个怎么知道？退休以后没有收入还收税？
yeah, maybe your own business, your rental income, your 401k withdraw, your interests, your stock return.
Roth 401k 通过单位买好还是自己去买好？
Does not really make a difference, whichever charges your less fees and provide better services.
you have to pay tax when you get money out from your 401k account.
就是说退休以后，从退休账号提钱的时候交税？有没有规定每个月能提多少之类的？如果退休前提钱的话，是不是要交罚款？
汗！我太白痴了，专家没时间就不用理我。
yeah, maybe your own business, your rental income, your 401k withdraw, your interests, your stock return.
you forgot to count the gambling winnings including powerball...lol...
Does not really make a difference, whichever charges your less fees and provide better services.
i c, thanks!
就是说退休以后，从退休账号提钱的时候交税？有没有规定每个月能提多少之类的？如果退休前提钱的话，是不是要交罚款？
汗！我太白痴了，专家没时间就不用理我。
I am not an expert. sigh.
yeah, you have to pay penalty for early withdraw. usually around 20%.
can't type a lot using my cell.
来来来， 我来奔个娃娃， 庆祝亲家公顺利OFFER。
[此贴子已经被作者于2010/8/5 15:36:53编辑过]
====
yeah, maybe your own business, your rental income, your 401k withdraw, your interests, your stock return.
哦，希望我到时候能有这么多来源的收入
====
re...where is the pic?
I am not an expert. sigh.
yeah, you have to pay penalty for early withdraw. usually around 20%.
can't type a lot using my cell.
thanks, thanks.
you forgot to count the gambling winnings including powerball...lol...
yeah, lottery.
I am not an expert. sigh.
yeah, you have to pay penalty for early withdraw. usually around 20%.
can't type a lot using my cell.
不是20%，是10% penalty.
我是来tk的. 你们楼好热闹阿。
那就奔一个报道！以后跟我们混！
yeah, lottery.
Yeah...M_O_N_E_Y....
I would immediately quit working if I win a powerball.
不是20%，是10% penalty.
sorry. didn't explain it clearly.
yeah. 10% penalty for the early withdraw. and it will be taxed also according to which tax bracket you fall under for the year that you file taxes for.
我是来tk的. 你们楼好热闹阿。 which book did you read? can you give me the name? It looks very interesting.
Yeah...M_O_N_E_Y....
I would immediately quit working if I win a powerball.
I never buy powerball. Our family members was never selected in a lottery drawing no matter with moneytary or without moneytary incentives.
which book did you read? can you give me the name? It looks very interesting.
buy buy baby
http://www.amazon.com/Buy-Baby-Consumer-Culture-Manipulates/dp/0547237952/ref=sr_1_2?ie=UTF8&s=books&qid=1280677566&sr=8-2
那就奔一个报道！以后跟我们混！
奔娃行不？
奔娃行不？
拖拉机本
如果你的是fidelity, 那login, 你会看到year-to-date change.里面有分析。
不是。没找到。
[此贴子已经被作者于2010/8/5 18:54:35编辑过]
来学习，都插不上话了
很快你也该文问题了, 我等着跟你一起学习。
你不需要理也有财!!!
以下内容只有回复后才可以浏览 very very adorable!!!
裙子、鞋子和包都很cute! 你真是从小培养lizzie的品位啊！
[此贴子已经被作者于2010/8/5 16:24:12编辑过]
看到粒子干姐了，一如既往地又Q又美
谢谢。 你最会安慰我了。。。
very very adorable!!!
裙子、鞋子和包都很cute! 你真是从小培养lizzie的品位啊！
[此贴子已经被作者于2010/8/5 16:24:12编辑过]
yes.
pension is even better.
他就是这样，得了便宜还卖乖
Usually there is a limit on the amount you can put in your 401K and a limit the amount your company will match.
But i guess schools and govenment ones are always better.
他们吃皇粮的那栋我们的艰辛
match 100% of the employee contribution?
3% of your annual salary, correct?
no
up to 3% only
no way they will match 100%
otherwise i will laugh to death
think so. If it is a 100% match.
Some companies have 50% match.
只有你懂我！
我是这么理解的。
我早说了，你老实yy我是有钱人，真是
pension的确好，自己不用出钱，但只有那么一点。
我们401k的说不定退休还一分钱都没有呢
来来来， 我来奔个娃娃， 庆祝亲家公顺利OFFER。
[此贴子已经被作者于2010/8/5 15:36:53编辑过]
where?
我们401k的说不定退休还一分钱都没有呢
我LG公司也有PENSION， 你说奇怪不奇怪？
Some government and nonprofits offer good pension.
My LG used to work for a state university. His pension was 10% of his annual salary. Not too shabby. Better than mine.
那就很好了！
这个是deferred tax. 就看是你现在的tax rate高，还是将来退休以后的rate高。
你不同，哈哈哈
yeah, maybe your own business, your rental income, your 401k withdraw, your interests, your stock return.
只要是收入就要缴税
you forgot to count the gambling winnings including powerball...lol...
她是回答关于退休后收入缴税的项目，哈哈
very very adorable!!!
裙子、鞋子和包都很cute! 你真是从小培养lizzie的品位啊！
[此贴子已经被作者于2010/8/5 16:24:12编辑过]
Re every word.
Lizzie is her name? So close to my ID...
我是来tk的. 你们楼好热闹阿。
一谈到钱，大家就大鸡血了
我等着你们接着讨论401k那，刚才去看了一下今年的收益才2.9%，5555，考虑是不是要折腾换一下投资组合。茵茵跳出来上课吧。
同等
我还是-11%呢
401K, 大家都在哪里看每年有多少return?
我的每3个月给一个收入表
哈哈哈
我LG公司也有PENSION， 你说奇怪不奇怪？
多好呢
难怪你不想他跳槽
Re every word.
Lizzie is her name? So close to my ID...
Nod nod. Elizabeth. And her husband is the same name as Mackenzie's husband.
多好呢
难怪你不想他跳槽
他们的PENSION很少， 可以忽略的。 关键是稳定，从来不才人。 他很恨那点。 我很喜欢。
他们的PENSION很少， 可以忽略的。 关键是稳定，从来不才人。 他很恨那点。 我很喜欢。
还有这么好的事
我也想去
Nod nod. Elizabeth. And her husband is the same name as Mackenzie's husband.
阿，我怎么不知道
他们的PENSION很少， 可以忽略的。 关键是稳定，从来不才人。 他很恨那点。 我很喜欢。
多好啊
还有人要hellokitty妈？我们这里还有很多 I even brought a set for my office. haha
[此贴子已经被作者于2010/8/5 17:11:39编辑过]
还有人要hellokitty妈？我们这里还有很多
我要我要，我要六个，是不是三套？
阿，我怎么不知道
IZZIE的小M不是叫MACKENZIE？
我要我要，我要六个，是不是三套？
对
我要是晚上出去帮你买
我给我亲家麦勒2套，麻烦你带回去