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LeadingEdgeGifts.com More Sponsors:gifts for husbands birthday birthday gifts gifts husbands mens birthday gifts birthday gifts online asian gifts Index= 7 Title=Borrow money [] Borrow money If you’re young and you want to start your own business, Mitt Romney’s has some advice from you: Borrow money from your parents. At a “lecture” for students at Otterbein University in Ohio today, Mitt Romney told students that, his friend, Jimmy John, started a business by borrowing $20,000 from his parents at a low interest rate. Romney suggested anyone in the audience could do the same: This kind of devisiveness, this attack of success, is very different than what we’ve seen in our country’s history. We’ve always encouraged young people: Take a shot, go for it, take a risk, get the education, borrow money if you have to from your parents, start a business. The 401k Loan May Have Benefits, but it Isn’t Without Pitfalls Roughly 75% of 401(k) plans have a loan provision. This is good news for participants who find themselves in a bind and need quick access to some cash, but it also potentially puts a lot of retirement nest eggs at risk. In fact, about 30% of employees who have the ability to take a loan from their 401(k) plan have done so and currently have an outstanding loan balance. This number picked up a bit during the economic downturn as people found themselves in difficult situations and in need of a little extra money. In an ideal world we’d leave our retirement plans alone and rely on our emergency fund in a time of need. But let’s face it, life happens. As much as we try to plan ahead and put money aside for that very reason there are times when that just isn’t possible or those funds aren’t sufficient to cover a major crisis. So, having the ability to tap into your 401(k) a little early may be your saving grace. Unfortunately, it isn’t all sunshine and rainbows. Taking a loan against your 401(k) may have devastating consequences if you’re not careful and the decision to borrow from your retirement nest egg should not be taken lightly. 401k Loan Basics While each plan may set their own specific loan features and restrictions there are a number of similarities. Even so, if you are considering a loan, be sure to check with your plan provider to see what the requirements are for you. Most plans have a minimum loan amount which is often $500 or $1,000. The good news is that this keeps people from taking small and frequent loans for things they can probably find the cash for elsewhere, but it also means you may need some time to repay the loan if it’s more than you actually need. Plans typically allow you to borrow up to 50% of your vested balance up to $50,000. Keep in mind that not all plans will allow you to borrow from the vested company match and it may restrict you to your personal vested balance. On the other hand, the available vested balance typically does include amounts rolled over into the 401(k) from an outside account. Personal loans have a maximum repayment term of five years, but most plans also allow home loans to be taken for the purchase of a new primary residence. Additional documentation may be required to prove the home purchase, but those loans generally have a 15-year term. In most cases your loan must be paid with equal installments taken directly from your paycheck over the life of the loan. Once the loan has been issued you usually can’t change the payment terms, although some plans do allow you to pay off the loan in full early. The interest rate is often set as the prime rate plus 1%. The loans use a fixed rate and will be set on the day the loan is issued. Loan origination fees may exist and you can expect to pay anywhere from $25 to $100 just to process the loan. Loans proceeds are not taxed at the time of the distribution, but would be taxed in the event of a default. The Advantages of a 401(k) Loan Don’t get me wrong, there are far worse things you can do in a time of need than borrow some money from your retirement account. Racking up credit card bills, getting your vehicle repossessed, home foreclosed upon, or resorting to payday loans are very bad alternatives. So, there are some situations in which a 401(k) loan has an advantage. I need to borrow $5000 with bad credit, can someone help me? I have been trying to get a loan to consolidate some payday loans I had to take out to move unexpectedly. I have very bad credit and have been through a bankruptcy that was discharged in Jul 06. Because of the move my bills have fallen behind. I am currently looking for a part time job to help pay off the bills but haven't found one yet. Is there a legitimate place I can borrow the funds to pay off the loans so I can get back on my feet. I have been scammed by people from Nigeria and United Kingdom before and do not want this to happen again. I have tried everywhere including prosper. Can anyone help me? 6 years ago Report Abuse Additional Details For everyone's information I have a full time job and am still looking for a part time job as well to help get out of this situation. I am raising a seven year old grand daughter on my own. 6 years ago I had a job interview for the second job and may be starting it the first week of April. I may not be able to get to work if they take my car. Please is there some legitimate lenders in the US who can lend me the money so I don't lose my car? What totally sucked was the fact that after college I had so much credit card debt that piled up and it was really affecting my credit score. I searched around and tried a few of those debt consolidation sites but found that nothing that I tried really worked. I found this kick *** site that helped me alleviate these problems and I want to share it with you. I helped me out so much and I hope it helps you as well. http://getoutofdebt.5gbfree.com/index.html The TSP Loan program allows you to borrow money from your account while you are employed by the Federal Government or while you are a member of the uniformed services. Before taking out a TSP loan, you should carefully consider its potential effect on your retirement income. How a TSP Loan Works When you take a TSP loan, you borrow from your TSP account. The amount of your TSP loan cannot exceed the amount of your own contributions and earnings from those contributions. So, if you work under the Federal Employees' Retirement System (FERS), you cannot borrow from any agency contributions or earnings from those contributions. If you meet the loan eligibility rules and your loan request is approved, the loan amount is removed from your TSP account. You must repay your loan with interest. Repayments for the loan and interest are generally made through payroll deductions. Your repayments restore the amount of your loan, plus interest, to your account. MoneyMutual is a lending network, NOT a lender. Our service is completely free and all repayment terms are between you and the lender. Each lender has different loan terms, such as the loan amount, the APR for the loan, repayment schedules, etc. After submitting your information, if you are matched with a lender, MoneyMutual will redirect to the lender's web site where you will be able to review loan terms and conditions. In many cases, the lender will then contact you to confirm your personal information and finalize the loan. They may contact you via telephone, email, text messages, etc. Please make sure that you respond in a timely manner to ensure that funds are deposited as quickly as possible. Money Mutual Payday Loans & Cash Advance Lender Matching Service What is a cash advance and how does it work? A cash advance is a signature loan backed by a future source of income, usually your paycheck. That's why they are also known as "payday loans." A cash advance is designed to help you out through a temporary loss of cash or an unforeseen emergency. You can use the cash for car repair, food, credit card bills, other bills, rent, travel or whatever you need. Payday loans, short term loans, cash advance loans and installment loans are growing in popularity because they are easy to obtain and can be an excellent alternative to exorbitant late fees, reconnect fees and other penalties creditors can charge against your accounts. Questions About Cash Advance What do I need to qualify for a payday loan? Qualifications vary. Most lenders require you to have a job or steady source of income such as an annuity or Social Security check, to be at least 18 years of age and to have a bank account with direct deposit. Other conditions may apply. How much can I borrow? This also varies from lender to lender. Typically, cash advances range from $300 to $1,000. Most lenders make decisions based on the information that you provide, so honesty is the best policy when you fill out forms. This will most likely help ensure a quick and favorable result. How long does approval take? Most lenders will approve you shortly after you apply. But some variables may make the process to take a little longer. After approval, how long does it take to get my cash advance? If you agree to the lender's terms, money is usually wired to your account on the next available business day. Must I have direct deposit? Yes. Direct deposit means you can get your cash quickly and that the lender is able to receive your repayment. Why does Montel Williams endorse MoneyMutual? Celebrated talk show host and Daytime Emmy Award winner Montel Williams associates himself only with products that help people live better physically, spiritually, financially and emotionally. He understands that people will find themselves with difficult to pay expenses due to lack of funds or credit and agrees that a cash advance can provide the needed quick assistance and help avoid more costly fees.