New To Investing Thread

[Emo EMAW]

Hopefully you all had some $GOOGL shares today and saw that nifty jump after their results and buyback program release 

if you've owned it for longer than like a week and less than 3 months, you are still down. (Didn't look, but I bet my range is close). Need full disclosure for the noobs when you share info like this.


Gonna win 'em all!

I agree. If you're buying Google right now you're probably not a great investor though because it's at it's all time high and has been floating around the high for the last couple months. I've been holding onto my shares for a couple years now and i'm hoping that the momentum with this stock keeps up!

Hopefully you're moving up your stops pretty tight.

I usually move them once or twice per month. IMO, any more than that seems a bit excessive.

Well you should move them based on how much the stock moves.  If you're lazy just use trailing stops.

[Emo EMAW]

401k contribution limits...how does one keep themselves from going beyond the limit?  Is there an administrative function that cuts you off after you've hit that amount?  If so, does that function live with HR/payroll or the administrator of your plan?  I'm hoping it's not something I have to watch myself? 

[meow meow]

I believe once you hit the limit, your employee will stop withholding money from your paycheck.  What's the limit, 18k?  18.5?

[ShellShock]

I believe once you hit the limit, your employee will stop withholding money from your paycheck.  What's the limit, 18k?  18.5?

18k in 2015 and 2016 if you're not old.

[michigancat]

pretty good fanning brag from emo

[slobber]

I have to manage mine. You can actually invest more than the limit, the overage just goes in as after tax $ and you will still be taxed on earnings. I am in a Roth 401k, so all of my money goes in after tax, so any overage just loses the tax free growth.


Gonna win 'em all!

[meow meow]

I have to manage mine. You can actually invest more than the limit, the overage just goes in as after tax $ and you will still be taxed on earnings. I am in a Roth 401k, so all of my money goes in after tax, so any overage just loses the tax free growth.


Gonna win 'em all!

How much can you contribute to a Roth 401k per year?

[Emo EMAW]

I think it's $18k.  So like, let's say I contribute $760 per pay check, 24 times a year.  23 paychecks x $760 = $17,480.  That last paycheck, will it allow me to contribute the final $520 or just reject the whole thing completely?  Guessing it probably depends on my company's payroll software.

[michigancat]

I think it's $18k.  So like, let's say I contribute $760 per pay check, 24 times a year.  23 paychecks x $760 = $17,480.  That last paycheck, will it allow me to contribute the final $520 or just reject the whole thing completely?  Guessing it probably depends on my company's payroll software.

ask someone in hr

[Brock Landers]

I have to manage mine. You can actually invest more than the limit, the overage just goes in as after tax $ and you will still be taxed on earnings. I am in a Roth 401k, so all of my money goes in after tax, so any overage just loses the tax free growth.


Gonna win 'em all!

How much can you contribute to a Roth 401k per year?

It has the same $18k limit but the limit is cumulative between regular 401k and Roth 401k plans.

[The Big Train]

Who cares what the limit is, just make sure it gets 100% interest and compounds continuously, I always say

[TheProdigiousTalent]

I think it's $18k.  So like, let's say I contribute $760 per pay check, 24 times a year.  23 paychecks x $760 = $17,480.  That last paycheck, will it allow me to contribute the final $520 or just reject the whole thing completely?  Guessing it probably depends on my company's payroll software.

Unless you work for a tiny company, I would be shocked if the system isn't smart enough to shrink your last contribution to hit the max.  Just imagine the hassles they would have to deal with otherwise.

This is how it has always worked for me (I front load and max out early in the year)...although my contributions are defined as a % rather than a fixed amount. 

[Emo EMAW]

Mine as % as well.  I do work for a large company, but I wouldn't put any sort of excessive stupidity out of their capability.

For example, my wife recently changed jobs, and the family was on her health care plan, so we switched to mine for the balance of the year.  They have been deducting money from my pay check, but United Health Care has never sent cards, I call them and they say we are not insured. 

[meow meow]

Mine as % as well.  I do work for a large company, but I wouldn't put any sort of excessive stupidity out of their capability.

For example, my wife recently changed jobs, and the family was on her health care plan, so we switched to mine for the balance of the year.  They have been deducting money from my pay check, but United Health Care has never sent cards, I call them and they say we are not insured.

you might want to "do a little more digging" into that sitch

[Emo EMAW]

Mine as % as well.  I do work for a large company, but I wouldn't put any sort of excessive stupidity out of their capability.

For example, my wife recently changed jobs, and the family was on her health care plan, so we switched to mine for the balance of the year.  They have been deducting money from my pay check, but United Health Care has never sent cards, I call them and they say we are not insured.

you might want to "do a little more digging" into that sitch

Ya I'm on it, thanks.

[The Big Train]

so are we accepting bitcoin investment advice here or what?

[IPA4Me]

Mine as % as well.  I do work for a large company, but I wouldn't put any sort of excessive stupidity out of their capability.

For example, my wife recently changed jobs, and the family was on her health care plan, so we switched to mine for the balance of the year.  They have been deducting money from my pay check, but United Health Care has never sent cards, I call them and they say we are not insured.

you might want to "do a little more digging" into that sitch

Ya I'm on it, thanks.

Did you get resolution? Sounds like a bad situation.

Sent from my Nexus 5 using Tapatalk

[DQ12]

About to start dollar cost averaging into an index fund (probably S&P).  Too safe?  Not safe enough? 

What say YOU gE.c investing elites?

[Kat Kid]

About to start dollar cost averaging into an index fund (probably S&P).  Too safe?  Not safe enough? 

What say YOU gE.c investing elites?

That is the move.  You may want to pick a targeted retirement fund from vanguard as they are slightly more aggressive and have very low costs.  If that isn't an option, then just do the index.


Sent from my iPhone using Tapatalk

[wetwillie]

Have you looked at vanguards mutual fund options?

[wetwillie]

Damn you kat kid

[slobber]

About to start dollar cost averaging into an index fund (probably S&P).  Too safe?  Not safe enough? 

What say YOU gE.c investing elites?

How much money are we talking about moving? If it's not very much, just put it all in now. Don't Dick around with it.


Gonna win 'em all! (using Tapatalk)

[Emo EMAW]

Mine as % as well.  I do work for a large company, but I wouldn't put any sort of excessive stupidity out of their capability.

For example, my wife recently changed jobs, and the family was on her health care plan, so we switched to mine for the balance of the year.  They have been deducting money from my pay check, but United Health Care has never sent cards, I call them and they say we are not insured.

you might want to "do a little more digging" into that sitch

Ya I'm on it, thanks.

Did you get resolution? Sounds like a bad situation.

Sent from my Nexus 5 using Tapatalk

Yes, covered now.  I didn't really get an answer on what the issue was, just that it was resolved and we promptly received our cards.  I'm debating asking for a refund for the couple hundred bucks I spent while allegedly not being insured.  Probably won't though. 

[Emo EMAW]

http://www.smarteranalyst.com/2015/11/29/what-to-do-after-nyse-bans-stop-orders/

[ShellShock]

Everyone go dig in the couch for spare change and round up what you have. Today will be a great day to get some stocks at a discounted rate!