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Is the Market Overvalued? Interesting Thoughts from Fortune’s John Cassidy

Wednesday, April 2nd, 2014

I found this tidbit from John Cassidy’s latest column in Fortune to be interesting: “A couple of months ago I mentioned the cyclically adjusted price/earnings (CAPE) ratio, which was flashing amber. Another warning sign is provided by the so-called Q ratio, which compares the market value of corporate assets with their replacement cost, and which […]

Nationwide’s Not On Your Side…

Monday, October 28th, 2013

A friend of mine gave me her 401(k) information to look at. Her company changed 401(k) providers and went with Nationwide. I wasn’t fond of their previous 401(k) provider (I forget the name now), so I was happy to see a change. I flipped through the information packet and landed on the page listing their […]

Question of the Day: Personal Rate of Return

Wednesday, May 22nd, 2013

We have had a good year so far in the stock market. So, curious minds want to know… What is your personal rate of return for 2013? Our personal rate of return through yesterday is 16%. We are 100% stocks: I am not recommending this route to AFM readers. It can make for a very […]

Workers Saving too Little (Does This Surprise Anyone?)

Tuesday, March 19th, 2013

From today’s WSJ Fifty-seven percent of U.S. workers surveyed reported less than $25,000 in total household savings and investments excluding their homes, according to a report to be released Tuesday by the Employee Benefit Research Institute. Only 49% reported having so little money saved in 2008. I found the report and thought this graphic that […]

Do These 401(K) Choices Seem Expensive To You?

Tuesday, January 15th, 2013

A friend of mine asked me to help her allocate her 401(k) contributions. Here are her choices (click on the graphic to see a PDF version): As you can see, they’re all expensive choices. I’m sure this is because it’s a small company and one of the ways providers make the plan “cheaper” for employers […]

401(K) Dollar Limit Raised to $17,500 in 2013

Friday, November 2nd, 2012

The maximum dollar amount an employee can contribute to their 401(K) is increasing $500 to $17,500 for 2013. Those who are 50 and older can contribute as much as $23,000. Let’s break down $17,500. That’s… $1,453.33 per month. $47.95 per day. $1.9977 per hour (based on 8,760 hours per year). $.0333 per minute. Better get […]

Should I Pull Money Out of My 401(k) to Pay Off Debt?

Wednesday, October 3rd, 2012

This is good but he misses one point. I’m not sure if it’s true of all 401(k) plans but interest on a 401(k) loan usually is paid into the 401(k) account. In other words, the interest is your money. It’s as if you borrowed from the Bank of You. Also, some companies do allow contributions […]

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