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What if the Matching Contribution for My 401(k) is in Company Stock?
Employer contributions in the form of company stock can pose some liquidity issues, but it can also be a nice benefit. If the matching contribution to your 401(k) is made in company stock, you have to weigh carefully your overall exposure to the financial well-being of your company. You are already receiving the current income (salary) from your employer. You may also have taken advantage of an Employee Stock Purchase Plan (ESPP) or Employee Stock Ownership Plan (ESOP) outside of the retirement plan. Therefore, you might already have a lot riding on the stability of your company. Continue reading...
What is the Unemployment Rate?
There are a few ways to measure unemployment, but it is normally interpreted as a percentage of the working-age population that does not have a job. The statistics that are used to determine unemployment rate typically use the number of unemployed people who are actively searching for a job. The Bureau of Labor Statistics conducts a monthly poll called the Current Population Survey which goes out to about 50,000 households, and this is a significant source of unemployment data. Continue reading...