Remember retirement when prepaying loan: related news

Remember retirement when prepaying loan

I am 31 and want to pay off my house as soon as I can because I don't like owing people money. I have $195,000 left on my mortgage at 6.125 percent. Would it be wise to pay off my house? (My goal is to do it within six years.) Or, should I start saving for retirement?

Securian's Annual 401(k) Checkup Helps Employees Keep Pace With Retirement Savings...

Securian's Annual 401(k) Checkup Helps Employees Keep Pace With Retirement Savings Goals ST. PAUL, Minn., Nov. 12 /PRNewswire/ -- When we get serious about saving for retirement, we do some quick calculations and come up with The Number -- the amount we think we need to save to provide enough income to last throughout retirement. As time goes by, that number may fluctuate and it becomes difficult to know whether retirement savings are on track. People enrolled in Securian Retirement 401(k) plans can track their savings progress on their plan statements. Once a year, in clear language with simple graphics, the Annual Checkup provides retirement plan participants with an estimate of how close their current savings rate will bring them to The Number.

Wachovia Retirement Services Wins Five Gold Awards from Profit Sharing/401(k) Council of America (PSCA)

CHARLOTTE, N.C., Sept. 24 /PRNewswire-FirstCall/ -- Wachovia Retirement Services has received five Gold Signature Awards from the Profit Sharing/401(k) Council of America. The firm was recognized for the communication and education programs that it produced in the categories of Retirement Readiness, Roth 401(k), Complete Campaign, Increasing Deferrals and Plan Design Changes. "I am very proud of our team for winning these five gold awards, said Joe Ready, Executive Vice President and head of Wachovia Retirement Services. "Americans are under ever-increasing financial pressures, and it's very easy to ignore retirement planning. However, we believe the best antidote to any inertia related to retirement is education. People have to understand what their options are and how they can maximize their retirement savings.

401(k) Debit Cards: Taking A Swipe At Your Retirement Savings

Debit cards linked to 401(k) accounts give individuals the ability to access funds approved for loans from their retirement savings quickly and easily. But given Americans' already low rate of saving for retirement, is it such a good idea? If you have a 401(k) plan and are considering applying for a loan from your account, it is crucial to understand how a 401(k) debit card works if your employer allows you to access the loan in this way. Let's take a look at the potential pros and cons of using a debit card to access your 401(k) loan funds, and how to determine whether you should to use the feature. (For background reading on 401(k) plans read The 4-1-1 on 401(k)s.)

E-LOAN Maintains Reputation as a Privacy Leader with Vontu Solutions

Because E-LOAN's brand image depends on its privacy protection as much as its lending and savings offerings, the company must take decisive steps to maintain the high degree of trust it has earned as one of the Nations most respected companies. To protect the personal information of one million customers, E-LOAN implemented Vontu Network Monitor from Symantec. E-LOAN now inspects outbound communications for confidential customer data such as Social Security Numbers (SSN), and instantly identifies potential security threats. Vontu helps E-LOAN demonstrate compliance with regulations such as Gramm-Leach Bliley Act (GLBA) and State Data Privacy Laws such as CA SB 1386, and vigorously protects its policies for protecting consumer's financial privacy.

E-LOAN Maintains Reputation as a Privacy Leader with Vontu Solutions

Because E-LOAN's brand image depends on its privacy protection as much as its lending and savings offerings, the company must take decisive steps to maintain the high degree of trust it has earned as one of the Nations most respected companies. To protect the personal information of one million customers, E-LOAN implemented Vontu Network Monitor from Symantec. E-LOAN now inspects outbound communications for confidential customer data such as Social Security Numbers (SSN), and instantly identifies potential security threats. Vontu helps E-LOAN demonstrate compliance with regulations such as Gramm-Leach Bliley Act (GLBA) and State Data Privacy Laws such as CA SB 1386, and vigorously protects its policies for protecting consumer's financial privacy.

E-LOAN Maintains Reputation as a Privacy Leader with Vontu Solutions

Because E-LOAN's brand image depends on its privacy protection as much as its lending and savings offerings, the company must take decisive steps to maintain the high degree of trust it has earned as one of the Nations most respected companies. To protect the personal information of one million customers, E-LOAN implemented Vontu Network Monitor from Symantec. E-LOAN now inspects outbound communications for confidential customer data such as Social Security Numbers (SSN), and instantly identifies potential security threats. Vontu helps E-LOAN demonstrate compliance with regulations such as Gramm-Leach Bliley Act (GLBA) and State Data Privacy Laws such as CA SB 1386, and vigorously protects its policies for protecting consumer's financial privacy.

E-LOAN Maintains Reputation as a Privacy Leader with Symantec Data Loss Prevention

Because E-LOAN's brand image depends on its privacy protection as much as its lending and savings offerings, the company must take decisive steps to maintain the high degree of trust it has earned as one of the Nations most respected companies. To protect the personal information of one million customers, E-LOAN implemented Symantec Data Loss Prevention Network Monitor. E-LOAN now inspects outbound communications for confidential customer data such as Social Security Numbers (SSN), and instantly identifies potential security threats. Symantec helps E-LOAN demonstrate compliance with regulations such as Gramm-Leach Bliley Act (GLBA) and State Data Privacy Laws such as CA SB 1386, and vigorously protects its policies for protecting consumer's financial privacy.

Securian's Annual 401(k) Checkup Helps Employees Keep Pace With Retirement Savings GoalsLoading...

PRNewswire/ -- When we get serious about saving for retirement, we do some quick calculations and come up with The Number -- the amount we think we need to save to provide enough income to last throughout retirement. As time goes by, that number may fluctuate and it becomes difficult to know whether retirement savings are on track.

Securian's Annual 401(k) Checkup Helps Employees Keep Pace With Retirement Savings Goals

PRNewswire/ -- When we get serious about saving for retirement, we do some quick calculations and come up with The Number -- the amount we think we need to save to provide enough income to last throughout retirement. As time goes by, that number may fluctuate and it becomes difficult to know whether retirement savings are on track.

E-LOAN Maintains Reputation as a Privacy Leader with Vontu Solutions

Because E-LOAN's brand image depends on its privacy protection as much as its lending and savings offerings, the company must take decisive steps to maintain the high degree of trust it has earned as one of the Nations most respected companies. To protect the personal information of one million customers, E-LOAN implemented Vontu Network Monitor from Symantec. E-LOAN now inspects outbound communications for confidential customer data such as Social Security Numbers (SSN), and instantly identifies potential security threats. Vontu helps E-LOAN demonstrate compliance with regulations such as Gramm-Leach Bliley Act (GLBA) and State Data Privacy Laws such as CA SB 1386, and vigorously protects its policies for protecting consumer's financial privacy.

Securian's Annual 401(k) Checkup Helps Employees Keep Pace With Retirement Savings Goals

ST. PAUL, Minn., Nov. 12 /PRNewswire/ -- When we get serious about saving for retirement, we do some quick calculations and come up with The Number -- the amount we think we need to save to provide enough income to last throughout retirement. As time goes by, that number may fluctuate and it becomes difficult to know whether retirement savings are on track.

Securian's Annual 401(k) Checkup Helps Employees Keep Pace With Retirement Savings Goals

ST. PAUL, Minn., Nov. 12 /PRNewswire/ -- When we get serious about saving for retirement, we do some quick calculations and come up with The Number -- the amount we think we need to save to provide enough income to last throughout retirement. As time goes by, that number may fluctuate and it becomes difficult to know whether retirement savings are on track.

Securian's Annual 401(k) Checkup Helps Employees Keep Pace With Retirement Savings Goals

ST. PAUL, Minn., Nov. 12 /PRNewswire/ -- When we get serious about saving for retirement, we do some quick calculations and come up with The Number -- the amount we think we need to save to provide enough income to last throughout retirement. As time goes by, that number may fluctuate and it becomes difficult to know whether retirement savings are on track.

Securian's Annual 401(k) Checkup Helps Employees Keep Pace With Retirement Savings Goals

ST. PAUL, Minn., Nov. 12 /PRNewswire/ -- When we get serious about saving for retirement, we do some quick calculations and come up with The Number -- the amount we think we need to save to provide enough income to last throughout retirement. As time goes by, that number may fluctuate and it becomes difficult to know whether retirement savings are on track.

Securian's Annual 401(k) Checkup Helps Employees Keep Pace With Retirement Savings Goals

ST. PAUL, Minn., Nov 12, 2008 /PRNewswire via COMTEX/ -- When we get serious about saving for retirement, we do some quick calculations and come up with The Number -- the amount we think we need to save to provide enough income to last throughout retirement. As time goes by, that number may fluctuate and it becomes difficult to know whether retirement savings are on track.

Philippines: Sterling Bank eyes 20% loan growth in 2009

STERLING Bank of Asia, a 20-month-old thrift bank, expects its loan portfolio to expand by 20 percent next year from the current P5 billion as it sees more financing opportunities during difficult times. To expand its operations, the bank is set to open its 17th branch next week and will put up six more within the next five months, president and chief executive Lamberto Villena said Wednesday night. The operating environment has turned much more difficult but when there is a problem, there is an opportunity especially for banks, Villena told reporters, after introducing the bank s ShopNPay Visa Card. Our loan portfolio can grow by 20 percent easily next year, he said. Villena said the bank expects to grow its consumer lending, which now accounts for about half the total loan portfolio, to 70 percent next year.

Personal Student Loans - Students Loans - School Loan Consolidation 240

Now-a-days education is an Investment and the cost of education is increased immensely in these days. Student loans can be granted through various lenders with a governmental guarantee, or can be granted from private lenders with no guarantee. There are many factors to consider before applying for a student loan. Generally you are given six months before the repayment will begin as the loans are looking to see that you have a sound job and that you are truly done with school. There are several Federal Loans eligible for Student Loan Consolidation. So in most cases the federal student loan is more helpful to the students in interest rates and repayment only. Federal Subsidized Stafford Loans are dependent/Independent of student and this loan is based on financial need and it has fixed interest rates.

Wachovia Retirement Services Extends Customer Service Hours to 401(k) Participants

CHARLOTTE, N.C., Nov. 3 /PRNewswire-FirstCall/ -- Wachovia Retirement Services, the institutional retirement business of Wachovia, announced today that it has temporarily extended customer service call center hours to help participants during this time of financial markets volatility. In addition to industry-leading hours of Monday through Friday, 7 a.m. to 10 p.m. Eastern time, the retirement call center will also be open from 10 a.m. to 3 p.m. Eastern time on Saturdays effective this weekend.

WebSketch Announces 3x Performance Improvement When Used with Google Chrome

WebSketch Announces 3x Performance Improvement When Used with Google Chrome - Prudent Press Agency (Prudent Press Agency)---Santa Clara, CA -- WebSketch today announced a 3x performance improvement over Microsoft Internet Explorer 7 when using Google Chrome. In internal benchmarking tests, editing WebSketch sites using Chrome is on the average 3 times faster than it is when using Internet Explorer 7.0. The combination of WebSketch and Chrome gives users a nearly instant push-button desktop-like editing experience. Furthermore, the benefits of Chrome's V8 JavaScript engine don't stop there. Adding, moving, and resizing objects in WebSketch such as Flickr photos, YouTube videos, and other widgets, are all significantly faster and smoother in Chrome than they are in Internet Explorer 7.

Better safe than sorry - except when it comes to works of art

The art market has always been one of the first to suffer when the health of the financial markets starts dropping into the red zone. When the level of confidence in the sharemarket dips or when credit becomes scarce, the art world waits to see whether a small, concerning ripple will turn into a tsunami.

PRESS: Polish banks cancel previous mortgage loan pre-approvals in wakeof financial crisis

WARSAW. OCTOBER 16. INTERFAX CENTRAL EUROPE - Polish banks started to cancel some of their previous mortgage loan pre-approvals, leaving some customers exposed to the risk of losing the advance payments they made for properties, Polish daily Rzeczpospolita reported Thursday. "We were given the pre-approval more than a month ago," an unnamed customer is quoted as saying. "We then signed a purchase agreement with the developer and paid the first installment. On Monday we had a meeting with a Bank Millennium representative to sign the loan agreement. Half an hour before the meeting, the bank canceled the deal and we were notified our pre-approval was no longer valid." Bank Millennium, as well as a number of other banks in Poland, over the past few days tightened their credit rules, reducing the loan-to-value (LTV) ratio in some cases to 65%.

Will your employer eliminate its 401(k) match?

Retirement savers already reeling from catastrophic stock market losses can add a new worry to their sleepless nights: losing their employer's 401(k) match. General Motors employees saving for retirement will no longer receive a match for retirement dollars tucked into their 401(k)'s. And many retirement experts say that other companies are likely to suspend 401(k) matches as the financial crisis exerts pressure on their bottom lines.

Will Your Employer Eliminate 401(k) Matches?

Retirement savers already reeling from catastrophic stock market losses can add a new worry to their sleepless nights: losing their employer's 401(k) match. General Motors employees saving for retirement will no longer receive a match for retirement dollars tucked into their 401(k)'s. And many retirement experts say that other companies are likely to suspend 401(k) matches as the financial crisis exerts pressure on their bottom lines.

Editorial - Why the iPhone Is a Must for Salespeople

Photos. When I attend a seminar, I like to sit up front and photograph the slides that are most meaningful. This is quicker than taking handwritten notes. When I meet someone at an event, I photograph that person wearing his or her nametag. When I get back to my office and look at the photos, it helps me remember the conversation.

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