Ma Vadu Health Insurance Fee Tagginchesi, 401K Penchesadu..

[puli raaja]

Ok fiancé na dongaaaa

neku ala ardam iynda 

[ARYA]

kani last ki big fat paychecks ravu man 

em fat oo onlto fat perugutundi kani jeetham peragatam ledu 

[ARYA]

neku ala ardam iynda 

rajaa 

[pythonic]

No u can't do that .... u have to take loan on u r own 401 but there side effect on taking loan on u r own 401 ... like the interest portion u don't get any tax benfits like other loans .... and one more ... for any reason if u leave the comapny ... u have to pay the totla 401loan amount in 60-90 days or u have to take the cash by paying penality 

adhi chala takkuva kada man...like 4% perc or sth...kani mana own money pedithe think like 24% perc interest kada...

 

aa part biscuit...even mana own money aa or only non-vested company's contribution aa?

[pythonic]

em fat oo onlto fat perugutundi kani jeetham peragatam ledu 

[pythonic]

No u can't do that .... u have to take loan on u r own 401 but there side effect on taking loan on u r own 401 ... like the interest portion u don't get any tax benfits like other loans .... and one more ... for any reason if u leave the comapny ... u have to pay the totla 401loan amount in 60-90 days or u have to take the cash by paying penality

eppude chusa man...looks like we have to pay back everything...ademi rule oo...

[ZuniorVentiyar]

I think it is on u r 401 including u r amount , company vested and no-vested.. u have to repay the loan thats it  ......... also who told the interest rate is 4% ??? it is prime rate + 2 % man .... so prime rate thakkuva untundi when comparing to bank interest rate is thats looks cheap ....  

 

 

adhi chala takkuva kada man...like 4% perc or sth...kani mana own money pedithe think like 24% perc interest kada...

 

aa part biscuit...even mana own money aa or only non-vested company's contribution aa?

 

[puli raaja]

rajaa 

[ZuniorVentiyar]

yeah... it is not always a good idea to take loan ... but yeah u can keep it as an option .... 

eppude chusa man...looks like we have to pay back everything...ademi rule oo...

 

[pythonic]

I think it is on u r 401 including u r amount , company vested and no-vested.. u have to repay the loan thats it  ......... also who told the interest rate is 4% ??? it is prime rate + 2 % man .... so prime rate thakkuva untundi when comparing to bank interest rate is thats looks cheap ....  

Naku maa office lo okkadu loan ki try chestunna ani cheppi aa details chepthadu...might be tappu avvochu...actually nenu house down payment ke chala money peddutunna...looks like bad idea :)

[Aryaa]

Maku memu contribute chesina cheyyaka ponia 5% contribute chestunadu

[ZuniorVentiyar]

good luck with u r new home man  :) 

Naku maa office lo okkadu loan ki try chestunna ani cheppi aa details chepthadu...might be tappu avvochu...actually nenu house down payment ke chala money peddutunna...looks like bad idea :)

 

[pythonic]

yeah... it is not always a good idea to take loan ... but yeah u can keep it as an option .... 

manaki down payment meedha inka loan radhu with low interest...and mana liquid cash peddithe almost we are paying 24% perc interest annatu ani alochincha...chudali ayithe...

[ZuniorVentiyar]

pani chesina cheyaka poinaa 5% pani valle chesi pedatharaa ... nuvvu 100 post lu vesthy 5 post lu valle vestharaa 

 

Maku memu contribute chesina cheyyaka ponia 5% contribute chestunadu

 

[pythonic]

good luck with u r new home man   :)

eppudu kadu uncle...inka 1-2 yrs lo...down payment ki money kuddagadutunna :)