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401(k) Loan Regrets

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Thinking about taking a loan out of your 401(k) or 403(b) retirement account? Think twice. Nearly half (44%) of employees who took out a loan from their workplace retirement accounts later said they regretted the decision, according to TIAA-CREF’s Borrowing Against Your Future survey. An additional 23% of employees who took out a loan don’t regret it but say they wouldn’t do it again.

The borrowing rates may be good—1% to 2% above the prime rate—but even though you’re paying the loan back and replenishing your 401(k), you’re losing out on earnings. How much will a loan cost you in the long run? A $10,000 loan paid back over five years could mean you’re forgoing more than $3,500 in potential earnings, TIAA-CREF calculates. That’s assuming the borrower is 40 years old, with 25 years left until retirement, and that it’s a five-year loan with 6% loan interest; and that there would have been an 8% return on funds over the next 25 years if the loan had not been taken.

Think twice before you take out a loan to go on summer vacation. (Photo credit: taberandrew)

Here are 5 warnings if you’re considering a workplace retirement plan loan.

More on Forbes: 11 Ways To Tap Retirement Cash Early

Calculate the cost of a loan. Before you take a loan, run this TIAA-CREF calculator to see how much it will cost you in retirement security. You can borrow up to $50,000 of your vested balance or 50% of it, whichever is less. Typically you have to pay back the loan within five years. If you don’t pay it back, it’s considered a distribution and you’ll owe income tax and the 10% early withdrawal penalty if you’re under 59 and a half.

Don’t become a serial borrower. Nearly one-third (29%) of employees with workplace retirement plans have taken loans from their retirement plan, and of those who took out a loan, 43% have taken out two or more loans. Nearly half (47%) of those who took out a loan borrowed more than 20% of their savings, and 9% borrowed more than half of their savings, the TIAA-CREF survey found.

Keep up regular contributions. If you do take out a retirement plan loan, it’s important to make new contributions to your plan while you’re paying back the loan. In the survey, 48% of women kept the same contribution rate while paying back the loan, compared to only 39% of men. Millennials (81% of them) were the most likely to decrease their contribution amount during the payback period.

More on Forbes: U.S. Trust Cites Top 5 Risks To Family Wealth

Retirement nest egg v. summer vacation. While the majority of those surveyed took out loans to pay off debt or for emergencies, some employees are raiding their retirement accounts for reasons like home renovations. Even more troubling: 15% of those surveyed said they took out loans to pay for special events like a wedding or family vacation.

Research other options. Before you tap into your retirement account, consider other options depending on your needs: student loans, a home equity line of credit (HELOC) for home renovations, a loan or withdrawal from a permanent life insurance policy. If you have a Roth IRA, you can withdraw your original contributions at any age, free of federal taxes and penalties (but you can’t put the money you take out back in).

See also:

More on Forbes: Disability Insurance: The Overlooked Employee Benefit

More on Forbes:

The Best Investment Advice Of All Time

Billionaire Ex-Hackers

The 50 Biggest Givers

Investing EducationLoansTIAA-CREF […]

Spartanburg police seeking pair who robbed check cashing business

Published: Monday, April 14, 2014 at 5:55 p.m.
Last Modified: Monday, April 14, 2014 at 5:55 p.m.

Spartanburg police are on the lookout for those involved in an armed robbery at a Check Into Cash loan services business Monday afternoon.

A masked man and woman came into the store at 1450 W.O. Ezell Boulevard at about 3:30 p.m. demanding money, an employee told the Spartanburg Police Department after the incident.

The man indicated he had a weapon, said Capt. Art Littlejohn, commander of the Spartanburg Police Department patrol division.

“I don’t think she (the employee) saw a gun, but they came in and he said he had a gun and that it was a robbery and that they were being robbed,” Littlejohn said.

The business cooperated and handed over an undisclosed amount of money to the pair before they left the store.

According to a statement from the department, the two were last seen running toward Crown Point Apartments on Powell Mill Road.

When police first arrived on scene, a perimeter was set up to search for the fleeing individuals.

A K-9 Unit was used to track the duo, and the track led officers to a nearby parking lot. The K-9 lost the scent at the parking lot, leading police to think the suspected robbers then entered a vehicle and drove away, Littlejohn said.

Police later received a tip from a witness who said the two drove away in a grey, four-door Chevrolet Impala.

Surveillance camera images released by the Spartanburg Police Department show a man and woman inside the store, stealing cash from a register with both of their faces covered.

Anyone with information about the incident is asked to call CrimeStoppers at 1-888-CRIME-SC and callers can remain anonymous.

[…]

Another pitfall for US workers « Bankrate, Inc.

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Employees with financial problems tend to be less productive than others. So it’s not surprising that employers try to provide a little extra financial stability through employee credit unions, 401(k) plans and bonuses.

But what about short-term, high-fee loans?

That’s just what some companies are trying. They’re offering “workplace” loans of $150 to $500 with fees ranging from $8 to $25 plus interest, according to a report in The Wall Street Journal. The loans usually last about two weeks, and employees repay what’s owed directly from their paychecks. These employer-sponsored loans are being advertised as a cheaper alternative to the traditional payday loan, even though they can carry an effective annual interest rate of 165 percent.

I suppose I should applaud a new alternative for cash-strapped workers, given the concern over typical payday lenders and the strong consumer demand for short-term loans. But I’m not.

Here’s why: Workplace loans serve the same purpose as payday loans, and they can create the same problems. Consumers generally turn to them because they need to bridge a gap in their finances. Usually, they’re living paycheck to paycheck and need money for an unexpected expense. But with such a tight budget, it’s unlikely that they’ll have enough from their next paycheck to repay the loan. So, how does it get repaid? In many cases, with another loan. This can start a vicious, expensive cycle that is difficult to break.

Rather than rely on workplace loans or payday loans or any other form of emergency financing, consumers should learn how to plan ahead. They should be encouraged to build their own rainy day fund by socking away a few dollars each pay period. Sure, they’ll make sacrifices to keep building their savings. But it’ll be worth the peace of mind that comes from knowing they can pay for their next car repair or medical issue. No borrowing necessary.

Instead of short-term loans, employers could offer automatic withdrawals from paychecks into savings accounts. They could encourage saving by matching a percentage of what their workers deposit. Now that would make a positive difference in their employee’s lives.

What do you think?

[…]

Payday loan business robbed by 2 women

Topeka police were looking for two women in connection with the Saturday morning holdup of a south-side payday loan business.

Officers were called at 10:48 a.m. to the Check Into Cash payday loan business at 3711 S.W. Plaza Drive.

Police said two women entered the business and asked to use the restroom.

One of the women was reported to have a weapon resembling a crowbar or club, while the other said she had a gun but didn’t display it.

The women then robbed the employee and the business.

After taking cash, the women were reported to have fled the scene on foot, running north from the business into a nearby neighborhood.

Police units responded to the scene and ran a K-9 trail, but no arrests had been reported by Saturday afternoon.

The women were described as being of thin build and standing around 6-feet-tall. One was wearing gray sweatpants and a gray hoodie and sunglasses, while the other was wearing gray sweatpants and a white hoodie.

Anyone with information on the robbery may call police detectives at (785) 368-9400 or Crime Stoppers at (785) 234-0007.

[…]

Using a margin loan to buy a house

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By Anya Martin, MarketWatch

Sometimes in real estate, speed wins.

An increasing number of potential home buyers who need fast cash to close a deal or end a bidding war are turning to margin loans for short-term financing.

Ameriprise Financial Inc. /quotes/zigman/388427/quotes/nls/amp AMP +1.99% for example, has issued margin loans to clients pursuing a home with multiple offers, an increasingly common occurrence in high-price California residential markets where demand outstrips supply. “A person with easy access to cash may have a leg up over someone who has to have long-term financing,” said Tucker Watkins, a private wealth adviser with the wealth-management company based in Irvine, Calif.

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Half of U.S. workers are retirement have-nots

Half of American workers don’t participate in savings plans for retirement at work often because the places where they work don’t offer savings plans.

Margin loans are backed by a borrower’s investments. Typically, brokerage firms permit loan amounts of up to 50% of the portfolio’s value at the time the loan is originated. The money can be used for almost anything, including bridge financing—when a buyer needs money to close on a new home when the current home hasn’t been sold yet.

Spurred by a bull market in early 2013, investors embraced margin loans with a passion, driving margin debt to $384.3 billion in New York Stock Exchange member firms in April, according exchange data. The previous record of $381.4 billion in margin debt was set in July 2007, just before the market downturn.

“We’ve had a major rise in equity [portfolio] values, much more than real estate, other assets and people’s salaries,” said Bruce McCain, chief investment strategist at Key Private Bank in Cleveland. “It’s not surprising people are tapping into it as a source of cash.”

Such clients typically will use the margin loan as a short-term strategy and then apply for a jumbo mortgage or other financing after the home purchase closes, Watkins said. That reduces the risk of a margin call, a demand by the broker to immediately repay the loan when the portfolio’s market value falls.

Margin loans can have some pricing advantages over mortgages and other more traditional loans. Borrowers pay no closing costs, no property appraisal is required and there are no prepayment penalties. Borrowers don’t even have to make monthly interest payments, though interest will then accrue on the unpaid interest, raising the borrower’s liability over time, said Randy Carver, an investment adviser with Carver Financial Services Inc. in Mentor, Ohio.

Interest rates for margin loans can vary widely. For example, Interactive Brokers Group /quotes/zigman/104045/quotes/nls/ibkr IBKR +0.25% extended more than $10 billion in margin loans at an average rate of 1.14% in the first quarter of 2013. As at many brokerages, rates decrease as the borrowed amount increases. Charles Schwab /quotes/zigman/240465/quotes/nls/schw SCHW -0.05% charges 8% in interest for the first $25,000 to $49,999 of the loan, 6.75% from $250,000 to $999,999, and 6% for amounts more than $2 million.

By comparison, the average interest rate for a 30-year, fixed-rate jumbo was 4.23%, and a five-year, adjustable-rate mortgage had a 2.81% rate on June 14, according to the Mortgage Bankers Association.

Margin loans also may have tax benefits. If a home buyer cashes out stocks for a cash down payment on a house, he may have to pay capital-gains taxes. Interest on a margin loan generally is tax deductible. “Avoiding capital gains is often a reason why someone may use a margin loan instead of selling a security,” Watkins said.

There is a downside. Brokers have what is called a maintenance margin. If the portfolio’s value drops below this threshold, the borrower may be subject to a margin call. In that case, a borrower must immediately deposit cash to bring their securities back to the maintenance margin percentage. Otherwise the brokerage firm will sell assets to bring the portfolio back in line.

“Using short-term financing to fund long-term purchases is one of the riskiest things to do, particularly when markets are as turbulent as they have been in recent weeks,” McCain said.

Some more considerations:

Don’t borrow up to margin limits. Ameriprise advises not to borrow more than 30% of the value of their securities to reduce the risk of a margin call, Watkins said.

Borrowers still have to qualify. Brokerages typically run a credit check and ask borrowers to fill out a questionnaire that includes their income, net worth and other monthly debt payments.

Check broker commissions. While margin loans don’t have closing costs, brokerage firms do charge fees and commissions, such as $9.99 per 100 shares at TD Ameritrade /quotes/zigman/9766366/quotes/nls/amtd AMTD +0.97% if shares are sold to maintain the required equity in the account.

/quotes/zigman/388427/quotes/nls/amp Add to portfolio AMP Ameriprise Financial Inc.

US : U.S.: NYSE

$ 87.96

+1.72 +1.99%

Volume: 252,971

July 25, 2013 10:06a

P/E Ratio

16.65

Dividend Yield

2.37%

Market Cap

$17.38 billion

Rev. per Employee

$869,473

/quotes/zigman/104045/quotes/nls/ibkr Add to portfolio IBKR Interactive Brokers Group Inc.

US : U.S.: Nasdaq

$ 16.35

+0.04 +0.25%

Volume: 17,777

July 25, 2013 10:05a

P/E Ratio

20.45

Dividend Yield

2.45%

Market Cap

$774.81 million

Rev. per Employee

$1.26M

/quotes/zigman/240465/quotes/nls/schw Add to portfolio SCHW Charles Schwab Corp.

US : U.S.: NYSE

$ 22.10

-0.01 -0.05%

Volume: 497,625

July 25, 2013 10:07a

P/E Ratio

33.14

Dividend Yield

1.08%

Market Cap

$28.30 billion

Rev. per Employee

$376,522

/quotes/zigman/9766366/quotes/nls/amtd Add to portfolio AMTD TD Ameritrade Holding Corp.

US : U.S.: NYSE

$ 26.99

+0.26 +0.97%

Volume: 219,138

July 25, 2013 10:06a

P/E Ratio

24.10

Dividend Yield

1.33%

Market Cap

$14.71 billion

Rev. per Employee

$511,623

Anya Martin, based in Decatur, Ga., writes for MarketWatch. […]

Bigger loans mean tougher requirements

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By Anya Martin, MarketWatch

Jumbo loans often come in three sizes: small, medium and large. The bigger the loan size, the tougher the lending requirements.

At national lender EverBank, a jumbo loan up to $1.5 million requires a 20% down payment and 12 months of reserves, or enough money in liquid accounts to pay the mortgage for a year if something happened to the borrower’s cash flow. For a loan of $1.5 million to $2.5 million, buyers are required to make a 30% down payment and have 18 months of cash reserves. Anything above $2.5 million will see thresholds climb to 35% down, with two years of cash reserves.

Bank of America /quotes/zigman/190927/quotes/nls/bac BAC +1.07% has similar requirements: a 20% down payment for loans up to $1 million; 30% down for a $2.5 million to $5 million loan; and 35% down for $5 million-plus loans.

The requirements go beyond the buyer’s ability to repay the loan. Lenders prefer that luxury-home buyers have larger reserves in case the property ends up in foreclosure, which can be a liability to the bank.

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play this market?

Mark Hulbert talks with Andrea Coombes and Robert Powell about whether retirement savers should pile into stocks at today’s lofty levels, or sell in May and go away. The answer: It’s a good time to rebalance your portfolio.

Annuities in a low-interest-rate world

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/conga/personal-finance/retirement_seo.html257388

“A bigger house is more expensive but it also is more personalized,” said Mike McPartland, global head of residential real estate for Citi Private Bank. “You can look at it and say, ‘This is exactly what I want.’ I could look at the same house and say, ‘I sure don’t want a pool in my living room.’“

Location may also play into the lending requirements, said Brad Blackwell, executive vice president, portfolio business manager at Wells Fargo /quotes/zigman/239557/quotes/nls/wfc WFC +0.46% Home Mortgage. “We view a $2 million property in Newport Beach, Calif., or Manhattan differently than one in a rural area where it may be hard to sell,” he said.

Wells Fargo Home Mortgage, the nation’s largest jumbo lender with a volume of about $40 billion in 2012, has more than three tiers. For loans ranging from $417,000 (the jumbo mortgage threshold in most areas of the country) to $2 million, the bank requires a 20% down payment. Above that, each $1 million in the loan amount corresponds to a 5% larger down payment, up to 45% for a $5 million to $6 million loan. If the borrower is incurring debt greater than $6 million, then the required down payment will be assessed on a case-by-case basis, Blackwell said.

As for cash reserves, Wells Fargo would like to see 12 months’ worth for a loan of $2 million or less; 24 months for $2 million to $4 million and 36 months for $4 million to $6 million. Both EverBank and Wells Fargo require the same credit score, 720, and a debt-income ratio of about 40% to 43%.

However, lenders generally build some flexibility into the loan tier. EverBank is open to considering mitigating factors to qualify a high-end home-buyer for a mortgage, said Tom Wind, executive vice president of residential and commercial lending. “If you have additional reserves, that’s a strong positive,” he added. “We could maybe do a bit higher loan-to-down payment ratio at a higher loan amount.”

At Wells Fargo, the guidelines are just that—guidelines—not a hard line to which every borrower must confirm, Blackwell said. “We are going to take into account the borrower’s full financial profile, but with these very large loans, we don’t want the borrower taking all of their cash and having no money in the bank in case something goes wrong,” he added.

Citi Private Bank doesn’t use tiers at all in its mortgage business; its underwriters evaluate the borrower’s credit profile and report, rather than a traditional credit score. However, while each loan qualification is considered individually, a $16 million loan, for example, certainly will require the home buyer to pay a bigger-percentage down payment and have more liquid collateral than a $1 million loan, McPartland said.

Some factors to consider:

Leverage a relationship. Lenders with tier requirements are more likely to loosen requirements for longtime clients. They can even offer a mortgage-point discount to reduce the loan’s interest rate. “We do a lot of loans for customers with strong banking relationships with us,” Blackwell said. “But that’s not to say that we don’t do a lot of loans with a strong borrower who doesn’t have a strong past relationship with Wells Fargo.”

Identify liquid assets. If a borrower doesn’t have sufficient cash reserves to meet tier requirements, sometimes a lender will accept an asset such as stocks that can be liquidated easily.

You may want to shop sooner, rather than later. New Consumer Financial Protection Bureau rules will go into effect in early 2014. While unlikely to affect tier requirements, they will tighten standards for verification of borrower income or assets and make interest-only loans difficult or maybe even impossible for many borrowers to obtain, said Wind. However, if the borrower’s financial profile is secure, private banks may offer other options to wealthy clients, McPartland said.

/quotes/zigman/190927/quotes/nls/bac Add to portfolio BAC Bank of America Corp.

US : U.S.: NYSE

$ 12.30

+0.13 +1.07%

Volume: 50.45M

April 15, 2013 10:49a

P/E Ratio

49.84

Dividend Yield

0.33%

Market Cap

$131.71 billion

Rev. per Employee

$386,060

/quotes/zigman/239557/quotes/nls/wfc Add to portfolio WFC Wells Fargo & Co.

US : U.S.: NYSE

$ 37.38

+0.17 +0.46%

Volume: 5.12M

April 15, 2013 10:49a

P/E Ratio

10.47

Dividend Yield

2.68%

Market Cap

$196.32 billion

Rev. per Employee

$341,962

Anya Martin, based in Decatur, Ga., writes for MarketWatch. […]

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Federal Employee Personal Loans Even if you are can not totally work out your repayment sum, it is advisable to pay back wherever possible about the repayment night out. This will help to keep the volume of appeal to your interest owe low. Some businesses might impose a fee late charges pertaining to stretching your loan, you can examine if this is true before you sign the loan agreement.

Federal Employee Personal Loans

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Federal Employee Personal Loans

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Federal Employee Personal Loans

Federal Employee Personal Loans, Consider other Factors You should also think about the convenience of the application process and minimum requirements. There are 2 kinds of online applications, fax no fax. Faxed applications require copies of the picture id, normally a driver’s license, past records, and pay stubs. With Federal Employee Personal Loans, someone will then research your application for approval. A no fax application simply requires that you complete a card applicatoin online, that’s verified through databases. There is not any appraisal of creditworthiness involved and you can get a virtually instant approval. Lenders also vary within their minimum requirements. You may be needed to are already employed for a couple of months.

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