Searing
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May 27, 2018, 10:34:45 PM Merited by JayJuanGee (1) |
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No one is forced to contribute to a 401k. If your employer offers a 401K, they can take money out of your paycheck, and the tax on that amount will be deferred until you withdraw from your 401K. If you draw out of your 401K before retirement age of 59 1/2, you will have to pay a penalty of 10% on top of the tax. Many employers that offer a 401k also include a match. Most companies match 50% of what the employee contributes. The catch is that you usually have to work for an employer for a certain amount of time before you are fully vested and can claim this portion if you leave the employer. My employer has a vesting schedule of 5 years.
There is quite a bit of latitude with employers in how they create the 401k plans - and sure there are standards in place too. Since about the 90s, many employers have begun to provide 401ks to replace traditional pension plans... Sure there are some employers who have both traditional pension plans and a 401k plan. The matching portion is also variable, and most employers have limits in how much they match... They might match up to a certain amount per year or they might match a certain percentage of the employees voluntary contribution. In the early days of 401ks in the 90s, the yearly maximum contribution was something like $5k, and currently it is in the $18k per year range. There may be a few employers who will match the full $18k, but many of them are much more skimpy, if they actually have matching programs at all. 401ks are still a pretty decent investment because of both the tax deferral aspect and the employer matching, if they have such matching. before I retired I put money in the job 401k I also, according to the CPA am allowed to self-fund a solo401k on top of that ..depending on how much I mine out of the crypto business part of my taxes....so socked another 15k away that way last year...also the solo401k can be converted to crypto etc as long as it plays nice in its own 'sandbox' ...so that was a win....just something to keep in mind...also the self-employed solo401k has the advantage as the 'employer' *yourself* you get and can put aside some also as you are also the *employee* so the amount in a solo401k can be quite a bit more than a simple 401k anyway, look around...worked great for me
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El duderino_
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BTC + Crossfit, living life.
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May 27, 2018, 11:04:57 PM |
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Erdogan calls for all the Turks too convert there dollars-euro’s into lira ..... buy bitcoin Turks ..... especially on a dip... BTFD Turks
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Lontonbit
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May 28, 2018, 12:02:02 AM |
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Polo just stripped it’s users of there freedom today. Bitfinex did it last week, big things are happening behind the scenes. Get ready! Something big is happening.
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infofront (OP)
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Shitcoin Minimalist
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May 28, 2018, 12:03:51 AM |
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Polo just stripped it’s users of there freedom today. Bitfinex did it last week, big things are happening behind the scenes. Get ready! Something big is happening.
What happened with Polo?
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RoomBot
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May 28, 2018, 12:11:45 AM |
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at least the dial doesnt go to "11"
![](https://ip.bitcointalk.org/?u=https%3A%2F%2Fi.imgur.com%2FfygTZXw.png&t=665&c=s1xGUhyTgr2J6A) "At least the dial isn't on "11."
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bones261
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May 28, 2018, 12:18:04 AM Last edit: May 28, 2018, 12:56:24 AM by bones261 |
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Polo just stripped it’s users of there freedom today. Bitfinex did it last week, big things are happening behind the scenes. Get ready! Something big is happening.
What happened with Polo? They are requiring that the legacy accounts get verified. (All new accounts require verification from the get go for several months now.) If you do not get your account verified than all functionality is disabled until you do. People are now having a cow because withdrawal is also disabled. So if you have funds on Poloniex and refuse to get verified, you are SOL. Edit: It appears some people have gone ahead and got verified, received an e-mail stating that it went through, but the functionality is still disabled. Not sure if it is a simple fix like clearing the browser cache.
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realr0ach
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May 28, 2018, 12:18:10 AM |
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It's particulrly difficult at the moment, because the arrest and imprisonment of Tommy Robinson in the UK is going to have some wide reaching political implications.
UK is completely lost due to the Jewish Kalergi plan. The Windsors intermarrying with a negress was the last snowball to finalize that avalanche. Meanwhile, as Jewish financiers use their shabos goyim political puppets to put people in prison in the UK who negatively cover the white genocide, 3rd world invasion Kalergi plan, Jews in Israel just made it ILLEGAL with a sentence of 5-10 years to film Israeli military beating the shit out of or killing Palestinians. In summary: - Crimes against whites in the UK are legalized to help promote the Jewish Kalergi white genocide plan - Crimes and human rights violations by the Jews against others are legalized in Israel
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realr0ach
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May 28, 2018, 12:29:08 AM |
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RoomBot
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May 28, 2018, 12:38:01 AM Merited by JayJuanGee (1) |
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Do you really get rekt every time, bones, or is it just preventive whining?
(You're free not to answer this, of course. It's just a cocky opening.)
I'd try and make the bet smaller relative to my playroll, keeping leverage at maybe 3 tops, 1~1.5 even better. "Going long" can actually mean buying a few cents and stashing away. So can "taking profit." Increasing the amount in the freezer is probably the most hopeful subgoal to gambling with 100% house money.
I mean: you know a few things about retirement and taxes. I'm sure you made a few calculations. I know you understand this magical internet money fairly well, too. Come on.
To be blunt, my finances are a horror story. I truly am REKT. My cryptocurrency portfolio has never been large. We are talking less than 1 BTC worth ATM. Also, everyone knows the saying that those who can't, teach. Definitely applies to me when it comes to retirement. I have jack shit saved up for retirement and I am 50. I basically live paycheck to paycheck and the balances on my credit cards increase monthly. I have been working the same job for 15 years and I am probably way overqualified for the position. I hate to admit it, but I am truly an unmotivated loser. What has been nice, starting in November of 2017, is that I did get to cash out on my cryptocurrency profits to keep my head above water. Unfortunately, that well is going to dry up rather quickly. Especially if the BTC market keeps going with the current downtrend. Sometimes I'm just tempted to liquidate all my meager cryptocurrency holdings right now. However, a part of me wants to hold on for as long as possible because quite frankly, it gives me a little ray of hope that maybe things will turn around, and I can delay the looming bankruptcy filing indefinitely. I will probably regret this posting, since I have bared all to practical strangers. Oh well, at least it was a little therapeutic to have my own pity party. I have a small 401 (k) and the bastards periodically take fees out for doing nothing. When I get it, I'll have to pay taxes on it. The best retirement fund is BTC. Deflationary. Guaranteed to grow. No fees or taxes. So, chin up, Dude. You're in better shape than you think if you #HODL most of it.
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realr0ach
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May 28, 2018, 12:42:27 AM |
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But wait, there's more: ![](https://ip.bitcointalk.org/?u=https%3A%2F%2Fi.imgur.com%2FsT7IOOD.jpg&t=665&c=haO8Mp18R3V-Jw)
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Torque
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May 28, 2018, 12:45:46 AM |
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Polo just stripped it’s users of there freedom today. Bitfinex did it last week, big things are happening behind the scenes. Get ready! Something big is happening.
What happened with Polo? They are requiring that the legacy accounts get verified. (All new accounts require verification from the get go for several months now.) If you do not get your account verified than all functionality is disabled until you do. People are now having a cow because withdrawal is also disabled. So if you have funds on Poloniex and refuse to get verified, you are SOL. Institutional investors will not touch exchanges whose user accounts are not verified and adhere to AML/KYC policies. So something big indeed may be coming.
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realr0ach
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May 28, 2018, 12:52:49 AM |
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Institutional investors will not touch exchanges whose user accounts are not verified and adhere to AML/KYC policies.
So something big indeed may be coming.
Torque the eternal bitcoin shill. "Institutions" are also crony capitalist, monopoly men, and they will not promote anything they didn't create themselves to act as some type of pyramid or Ponzi scheme to line their pockets. Which means they will either ban bitcoin and mandate you're required to use their own cashless society slave system, or they were behind bitcoin and it is their cashless society slave system. Now proceed to step 2 to study the effects of attempting to ban silver and gold (something that actually exists and cannot be destroyed no matter what idiot makes a law about it) vs detrimental effects of banning shitcoins (the digital domain where it's extremely cost effective running a police state as opposed to attempting to run a police state in the physical world).
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gembitz
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May 28, 2018, 12:54:41 AM |
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Polo just stripped it’s users of there freedom today. Bitfinex did it last week, big things are happening behind the scenes. Get ready! Something big is happening.
distributed exchanges with open source market data is the only way bitcoin will survive!! ![](https://ip.bitcointalk.org/?u=http%3A%2F%2Fsmilies.newcastlebeats.com%2Fsmilies%2Fbadthumbs.gif&t=665&c=mwg7rInWJ2h8rg) weeeeeee
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Searing
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Clueless!
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May 28, 2018, 12:55:16 AM |
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Polo just stripped it’s users of there freedom today. Bitfinex did it last week, big things are happening behind the scenes. Get ready! Something big is happening.
I will be the first to post the obvious... ![](https://ip.bitcointalk.org/?u=https%3A%2F%2Fcdn.steemitimages.com%2F0x0%2Fhttps%3A%2F%2Fmedia.giphy.com%2Fmedia%2Flk0TFUdop2JTW%2Fgiphy.gif&t=665&c=c2K8gGWDMepAjQ) The question then becomes is it a GOOD Trap? (Pump!) or is it a BAD Trap (Dump!) Ack!
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aaroque2003
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May 28, 2018, 12:56:31 AM |
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Institutional investors will not touch exchanges whose user accounts are not verified and adhere to AML/KYC policies.
So something big indeed may be coming.
Torque the eternal bitcoin shill. "Institutions" are also crony capitalist, monopoly men, and they will not promote anything they didn't create themselves to act as some type of pyramid or Ponzi scheme to line their pockets. Which means they will either ban bitcoin and mandate you're required to use their own cashless society slave system, or they were behind bitcoin and it is their cashless society slave system. I'm having option 2 more clear day by day realr0ach.... " they were behind bitcoin and it is their cashless society slave system. " with only one small detail, they thought they can control it but looks like is out of their hands atm, at least ATM.
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RoomBot
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May 28, 2018, 01:00:38 AM |
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Coinbase just bought a decentralized exchange......
Coinbase....... decentralized exchange.......
I think i need a recap on what "decentralized" means......
99% of decentralized exchanges allow you to trade crypto to crypto. There is one decentralized exchange that uses fiat but that is more like localbitcoins than a real exchange. Thank you but I know what a dex exchange is:) It was mainly a joke (probably a bad one lol), meaning that when I read “coinbase” and “decentralized” on the same sentence I feel like I don’t know anymore what decentralization means ![Smiley](https://bitcointalk.org/Smileys/default/smiley.gif) We get it. Reminds me of the time Josh Garza of GAWMiners bought the excellent little CoinSwap Exchange and turned it into an XPY scamming piece of trash.
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TERA2
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Deb Rah Von Doom
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May 28, 2018, 01:09:52 AM |
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Polo just stripped it’s users of there freedom today. Bitfinex did it last week, big things are happening behind the scenes. Get ready! Something big is happening.
What did polo do?
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Anon136
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May 28, 2018, 01:17:38 AM Last edit: May 28, 2018, 01:34:18 AM by Anon136 |
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Its not a conspiracy. Its not a master entity somehow doing perfectly timed dumps and orders to 'hold it down' as if such a thing would even work. Its not the godfather. Its not god. Its not aliens. Its just normal trading. Ok.
What kind of person does it make me if I would be equally surprised/unsurprised to learn that either of these two explanations was the case? Am I a conspiracy theorist or a nocoiner? ![Cheesy](https://bitcointalk.org/Smileys/default/cheesy.gif) But wait, there's more: ![](https://ip.bitcointalk.org/?u=https%3A%2F%2Fi.imgur.com%2FsT7IOOD.jpg&t=665&c=haO8Mp18R3V-Jw) Oh my god. This could be almost as good as the trump election. Please Kek make this happen. I will sacrifice a chicken to you great one.
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Anon136
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May 28, 2018, 02:18:41 AM |
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Its not a conspiracy. Its not a master entity somehow doing perfectly timed dumps and orders to 'hold it down' as if such a thing would even work. Its not the godfather. Its not god. Its not aliens. Its just normal trading. Ok.
What kind of person does it make me if I would be equally surprised/unsurprised to learn that either of these two explanations was the case? Am I a conspiracy theorist or a nocoiner? ![Cheesy](https://bitcointalk.org/Smileys/default/cheesy.gif) But wait, there's more: ![](https://ip.bitcointalk.org/?u=https%3A%2F%2Fi.imgur.com%2FsT7IOOD.jpg&t=665&c=haO8Mp18R3V-Jw) Oh my god. This could be almost as good as the trump election. Please Kek make this happen. I will sacrifice a chicken to you great one. The tweet he was replying to was talking about the powerful controlling the media not Jews don't get off your rocker, it seems everyone is jumping to this conclusion. Back to prove high 7300s no instant dip, kind of excited. Yea well I wouldn't have agreed to sacrifice one of my chickens if I actually thought this was going to happen. I love my chickens.
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