My Dad have 100K within the ridge and required to know if he have to put my Mom contained by a nursing home..would they thieve it?
Question:
Several years ago he put their house in their kids name, so I don't think they would know how to get that, but he be wondering about his lolly in the sandbank. If he transfers it into us kids names is nearby a period of time that they (the nursing home people) could still seize his money?
Answer:
Yes, your dad will have to fashion full financial disclosure to determine the extent the state is obligated financially. Your dad can get the funds out of his cross, but there is a endorsed matter of 'gifts surrounded by the anticipation of events'. Meaning that the 'gifting' has to enjoy taken place prior to the knowledge of the 'need'. Most states put a time of three years on this. Some enjoy NO time limits, because a coming event resembling permanent disability can at times be agreed many years in the past it actually happen, as in a coma lenient or one severely injured that is going to deteriorate.
Probably, but it depends on the state contained by which you live.
your mama's so physco
she put you in the tub
and played with your ding a ling
DUDE!
x3
Yes they will. And if the state puts her surrounded by they will also take his money.
There is a possibility that they could step after your father and his assets to pay for the cost of your mothers precision. Your father should consult with an attorney and possibly a financial advisor for adjectives of his options.
My mom go into a nursing home....they took everything she had. I would say aloud to be on the safe side....own your father put any assets out of his name and possible a family unit member none save for one of his kids....like his brother or sister. Someone more or smaller amount on the outside of the immediate family circle he can solely trust.
You need to articulate to a probate attorney. The answer to your question is yes and no. Yes if the money is only sitting in a mound account, no if you set up a trust close to you mention. As for the period of time this take, your best bet is to get this information from a probate attorney, that style you can be sure of the information you get.
no they can't run your dad's money but they can take your mom's s.s. check.
The best course of plan would be to contact a financial guru prior to placing her in a home. Additionally I would contact one that lives surrounded by your area to ensure that they hold a full grasp of state, and local, laws.
Additionally you can contact the Medical Social work department of your local hospital. Although they are not versed surrounded by legal speech, they do however have a firm education of power of attorney, as well as information in connection with the majority of local rest homes in your nouns.
You need to settle to a lawyer , or financial advisor , or fitting social worker familiar beside the rules for your state. In some states they look for transfers of assets for several years before the human being needs nursing home fastidiousness.
They will take you moms money, the house, the money within the bank too. He requirements to get that money out of the wall and find a safe next to a cement cover over it.
Buck up and let the money travel towards her care...why should the toll payers foot the bill if they have the money to remuneration it? This is why we are turning into a "what can my country do for me" socialist country.
Can they "take it"? No. But they can and will charge the typical rates for the nursing home care. And that can catalogue from $1500-$3000/month (or more, depending on the level of caution required, the type of facility, whether it's a private/semi-private room vs. a ward, etc.)
Medicare will NOT pay for nursing home expenses. So, the with the sole purpose way to hold nursing home expenses paid short paying out of pocket (or having long-term consideration insurance) is if your Mom would qualify for Medicaid.
Qualifications for Medicaid are based on income and assets, so this is plausible getting to the core of your question. And formerly your father starts thinking about giving away his money, you should really check into the maximum asset/income for Medicaid. The certainty is, if the monthly income is above a certain rank, regardless of any other factors, your Mom may STILL not qualify for Medicaid, contained by which case it would be ridiculous to consider giving away the money because they will most expected need it.
The contact below is a good place to start.
yes they will
If your dad show any assets, they will wont it. I go through this with my Mom and Dad. If you Mom go into a nursing home, Social Security will pay the bills. If you Dad doesn't make over the money into someone elses name they will wont him to repay the nursing home bill. This is the way it is within Texas, have your Dad check near a lawer or S.S.
No one has to clear anyone else's debt, PERIOD.
in a twosome of skinny seconds.
something approaching 3 yrs right now
I live within Georgia and your Dad needs to put the money contained by his children's names. They will cart it all surrounded by about a year. That's how much a nursing home will cost. I believe it is 3 years they run through the finances. Is your Mom ill? In the state of Georgia you can not put someone surrounded by a nursing home. A doctor will advise that this have to be done due to the person not mortal able to nick care of themselves. They also enjoy to be admitted to a hospital formerly that ever happens. This protects general public from being admit to nursing homes when they do not need to be in attendance.
I wouldn't put your mom in a nursing home. It's cheaper to own someone to come to the house and take support of your mom, and it is mostly cheaper if the family member take turn within taking care of her.
The nursing home would ripe as much as money they can and they wouldn't pilfer care for her approaching you wish.
God Bless
you want to check with an attorney within your state. But a family friends uncle have quite a bit of money contained by his bank picture and the nursing home could not take it as you say aloud. Yes he did have to retribution for his care which he did using his SS money. When he passed away his will took affect which give the remaining money's to several of his family member. I highly suggest you win the advice of a up to date attorney.
Banks can lend money because?
Question:
A. They have so much to lend
B. They know not everyone requests their deposits back at matching time.
C. There is a high emergency for loans
D. They know how much cash they own in their basement
Answer:
The closest one is B and of course D is true too, but it's not the answer to the "why" subdivision.
Banks are only required to save about 10% of the deposits on appendage available for withdrawal, so they can lend the rest. They also will usually trade the loans and re-loan the same money.
For example, you buy a house for 300K, the sandbank lends you money for it. They charge you 2K to embezzle out the loan at 6% for 30 years. So now you hold to pay them final the 300K plus 6% over 30 years. They take this contract and get rid of it to investors, who'd rather form 6% by investing into your house loan than making 3% by having the money of late sit at the bank contained by a savings report. So they sell the must, maybe trade name another 1-2K off of that, in a minute the investors have your duty and the bank get their 300K back plus commission. Then they stir and re-loan the same 300K to your friend, and so on, and so on, adjectives the while, this 300K is borrowed from a savings justification that's making someone 3%. Not a bad system.
f
E. They love risk.
C
and because bank need money rear legs, a.k.a their interest rates where they gross money off of you.
All of the above.
E. they label money off of the interest
They can because of A.
If they didn't they wouldn't craft any profit. Loan interest is their main income.
they want to build money, ever heard of a entity called intrest?
Because it costs them smaller number money to borrow it than it does to lend it. Really.
Sometimes that comes from depositors, sometimes the stock market, sometimes the rule directly.
A portion of this is protected through the government, but much of it isn't.
A+B+D+They nick profit over loans
Banks lend money because depositors put money into the bank for nontoxic keeping. The bank surrounded by turn lends that money out at a premium so that they can rate the depositors interest - basically bribing them to allow the guard to use the money for investment purposes.
This is why the bank have strict standards of credit qualification for lending and the administration requires that the bank set particular amounts aside to cover bad loans.
So essentially your"B" answer is closest to the truth, but still not adjectives of it.
Bank is like a commercial entity contained by the society. He provides services to accept deposit and lend money. The dune pays the interest for accepting deposit and charge for lending money. This is how it generate profit (basically). Also, it act as a medium contained by the economy to control the money supply. By accepting deposit and lend money, it creates a steady money supply to the economy.
they lend money to associates who don't need it.
E. All of the above
PS - Banks are NOT non-profit organization!
How do goldsmiths shops be paid money?
Question:
Answer:
well what they do is when some one come's contained by to sell thier gold ingots the goldsmith give's them their money and then the goldsmith next sells it to some one else
Like any other business - by selling a pious or service where in attendance is a demand.
What make you think they do not generate money? Are you asking about the operation, cost, over head .. etc ...
Good Luck!
By selling nearby product---GOLD!!
How do u earn society trusts over a million pritical joke?
Question:
Answer:
be serious all the time.
you'll consequently be known as, that guy who used to be funny, afterwards they realiz eits a joke, next u can do ti again
What does pritical mean? Do you suggest practical?
Should I hold REIT/MLP investments contained by my 401k?
Question:
Is this wise?
Answer:
I believe you should -- diversification is a good opinion and REITs are a good long-term alternative to stock funds -- they're high-return and high-volatility (like stocks), but not necessarily surrounded by the same path. So over the long haul (until you turn 59.5), you're feasible to get dutiful returns from the combination of REIT, large-cap stocks, small-cap stocks, and international stocks. One fourth of your 401k in respectively would be reasonable, consequently move it towards bonds (for stability) as you approach retirement.
Good luck,
Doug
sure. I currently have 5% contained by REITs
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REITs yes. I wish I have that choice in my 401k, but afterwards many folks don't. Good for your company that they included REITs.
However, if you are going from a zero investment surrounded by REITs right now, be wary -- right now might not be the best time to hop into them with both foot.
MLPs vary so much it's rock-hard to characterize them as good or impossible.
My 401(k) doesn't offer REITs, but I noticeably have them contained by my Roth IRA. Even though the housing market is slumping, I'm still making a profit.
How if to read aloud 2/3 surrounded by english? Thanks.?
Question:
Answer:
in reckoning two divided by three
In normal conversation two thirds
base on the above you would think 3/4 would be three fourths but it is three station
Two thirds
two thirds
two out of three
two stroke three
What do you want to know?
two thirds
*you do not pronounce the hyphen.
Two-thirds*
Two out of three
Two thirds.
two thirds or 66%
Two thirds.
two thirds.
Two thirds
I am looking for ways to earn some extra income, but not the measurable, direct selling or go and get rich rushed scheme
Question:
Answer:
What are your skills, hobbies and interests? Have people asked you for comfort on things that you know or that you do well? Consider your own business whether that's writing, consulting, selling product, website design, computer upgrades, or doesn`t matter what. There's no reason that you can't generate $20 an hour by doing what you love. Stop working for free for all of your friends. Once you digit out what you want to do, get a business license and start taking import tax deductions (legally) instead of paying out of pocket. Your friends can abet you spread the word about your business but clear it legit. It won't be get rich spur-of-the-moment but it'll be money made from working to make yourself rich instead of making money for others.
You could bring a paper route.
shift to www.adviceontime.com and they have a couple of articles on starting a home base business that are not scams.
Have you thought give or take a few prostitution,hours to suit yourself,spend all your working hours on your wager on,or front depending on what your selling,pick your own hourly rates,and declare to the taxman individual what you want to.Register for vat,and get a clothing allowance,fuel reciepts and lunches can adjectives be claimed back from the political affairs as business expenses.Not for the faint hearted however.
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Should I procure a home equity loan to remuneration stale my trader?
Question:
Answer:
Sure, go ahead. Dealers don't fastidiousness where you get hold of your cash from as long as they are salaried. You want to pay him, so you keep hold of your street cred, amongst other things.
Yeah, that sounds like a devout idea. Would dislike intensely for your dealer to receive pissed!
Your drug dealer?....nah
Yeah, consequently you could be out on the street when they foreclose on your home after you keep giving adjectives your money to the dealer.
no, next to a HELOC (home equity line of credit) you can even record chapter 7 bankruptcy to capture rid of the debt, and if you don't pay the dune will take your home.
your broker has no legally recognized right to funds, unless we are talking just about a car trader...
in that luggage maybe, a heloc is duty deductible unlike an auto loan thereby making your effective interest rate lower and the payments should be lower because your paying over a longer time of year of time (3-6 years vs 10-30 years). Yet ultimate, if you lone make the minium payments you will extremity up paying more interest over time with a HELOC next you would with a vehicle loan.
ok.. go for it
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Has anyone hear of "Gateway Grants" within Irvine, CA 49,500. for home buyers...first-time or otherwise?
Question:
Somehow, I got on a schedule (probably, of those considered to be easy marks) of self-employed business/money-making "opportunity." This outfit offers to serve intesested parties qualify for a forfeit to be used toward the "American Dream", regardless of one's credit. I think it is a scam, as they utter they need $47.00 for an instant processing fee. A Mr. Harvey Winston, whose "signature" appears at the bottom of the letter(just above his disclaimer that this is not a scam) say that every month, 17,000 families receive 10% of the purchase price, up to $495,000., for the downpayment on homes of their own. They do NOT hold to be first-time home owners. I already own my home, but this could really rope some people contained by who could be ruined financially. Should I report them to BBB? Thanks LOTS!
Answer:
I suggest you report them. That's a scam -- and there are a LOT of scammers operating surrounded by the "grant" arena. Afterall, there are closely of gullible people who certainly want to believe the free money is available for them through these so-called grants.
Real grant and grant giving organization (both government and private foundations) do not ask for money for processing fees. That's a sure sign of a scam
The command has already issued warning against these scammers. You may want to read the warnings FTC have issued against these "grant" companies:
http://www.ftc.gov/opa/2004/03/grantreso...
http://www.ftc.gov/bcp/edu/pubs/consumer...
Here is also one of the warnings issued by the Better Business Bureau http://www.concord.bbb.org/tips_timeshar...
Report them.
The domain name (gatewaygrant.com and gatewaygiftfund.com) are privately registered with no contact info.
I am other a little worried in the region of a company that has to store their contact info.
The site has a detectable privay policy and you only find their contact info here. There is no something like us page.
I cant find any negative info on the web, but I would subscribe to the "if its sounds to good to be true, it probably is" supposition with this one.
Roth IRA and Getting Married - help out!?
Question:
Hi!
My fiancee and I are getting married this year. I currently have a ROTH IRA which I trademark my annual contribution to.
The problem/question.
We are going to file in somebody`s company for our 2007 taxes. Our combined income disqualifies me from participating in an ROTH IRA. But I am still single..we are getting married surrounded by LATE 2006. Does this matter? Can I still contribute while I am still single?
Thanks!
Answer:
Your ask is unclear.
The 2006 deadline have already passed thus we are well into the 2007 excise year.
With regard to whether or not you may contribute - you will enjoy to revisit this on a year by year basis as the annual compensation and contribution ends change annually.
Who Can Establish a Roth IRA?
Any individual who have taxable compensation or self-employment income (earned by sole proprietors and partners) for the year may establish and fund a Roth IRA. To be eligible to make a participant contribution, the individual must hold a modified adjusted gross income (MAGI) explicitly less than a indisputable amount, depending on the tax-filing status of the individual. Here are the MAGI limits:
$160,000 for individuals who are married and folder a joint charge return.
$10,000 for individuals who are married, lived with their spouse at anytime during the year, and database a separate tax return.
$110,000 for individuals who profile as single, head of household, or married file separately and did not live with his or her spouse at any time during the year.
You can generate your 2007 contribution to your Roth IRA anytime in 2007 (and even into 2008, purely before April 15, 2008). There is a phase-out as a previous commenter have previously stated though. Since this is a Roth IRA though, the contribution you make is not deductible on your taxes anyway.
I assume you tight-fisted to say you are getting married belatedly 2007.
It depends on how you and your spouse file income duty return next time.
If you report as single or married separately, then you can verbs to contribute in Roth IRA base on your comment.
But if you file as married collective and combined income is not eligible for Roth IRA, then you or your spouse can not contribute to Roth IRA.
Check Roth IRA income restrictions for 2007 here: http://www.theusefulinfo.com/finance/rot...
Now if you realized that you are not eligible and you already contributed to Roth IRA, consequently treat that as excess contribution case and read this relation how to withdraw that money formerly penalty.
http://www.theusefulinfo.com/finance/200...
Also if you will not be eligible for Roth IRA surrounded by coming years and still want to invest more in retirement, afterwards there is one style to do it which eventually goes within Roth IRA in adjectives.
Check here for detail:
http://www.theusefulinfo.com/finance/200...
Congratulations on marriage decree. :-)
Hope this helps.
-Infoman
Not a permissible advice.
Where can i take a home equity loan swift and comfortable?
Question:
i just bought a house and am moving contained by about two weeks. I'm thinking in the order of getting a $150,000 to $175,000. I just don't know the "rules" of in actual fact getting the money. will i be able to basically apply for the loan and get it or do i hold to like live contained by the house for several months. i really don't know a lot so some backing would be great. thanks!
Answer:
The home equity loans spatter into two categories.
The first type is a permanent status or closed end loan and another is a typically a queue of credit. Many people choose to describe them as a second mortgage as they are secured against your home a short time ago like your primary home loan. Usually these loans hold repayment duration of 5-15 years.
The term loan is a one-time lump sum stipend that should be repaid over a pre-determined duration. It carries a fixed interest rate that let you pay duplicate loan installment every month. Once you get the loan, you cannot embezzle further loan.
A home equity loan line of credit operate similar to a credit card. You can borrow up to a specific limit during the duration of the loan. The time control is generally contracted by the institution lending the amount.
You enjoy to equity built up before you can bring a loan. You build that up buy making house payments. When you decide to do this bear to a banker & they will inform you alot more.
I'm completely confused. Do you actually hold $150-175,000 in equity? Meaning you freshly put down that much money to buy the place?
Contact any local bank or credit federation, they do home equity loans all the time.
the 'rules' enjoy changed with the bazaar. you will have to show benefit to borrower. nearby are a lot of lenders requiring that you show a reimbursement history before you get hold of the additional equity from the property. ring up the lender after you close and move in and ask what they will require for a heloc. possibly they will compromise one with the checks so you can verbs the cash out as needed. Just ask, specifically the key.
Good Luck!
I come up with you'll have to live nearby several years before any equity is available. Then it won't be much. Is this house surrounded by a desireable area to be exact going to appreciate faster than normal? That would sustain. Did you get the house dirt cheap? This will relieve.
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I'm feed up next to HSBC and their impossible customer service. Thinking of switching to Nationwide. Any well-mannered?
Question:
Answer:
HSBC in Hong Kong is fantastic. Unfortunately, they purchased the plodding ripened Midland Bank in the UK. Even by the standards of our sleepy, non-customer-orientated bank the Midland took the biscuit. I wonder if HSBC did ANY research at all?!
Anyway, contained by short I reckon that all of our bank are rapacious, money-grabbing, cynical businesses - incredibly hard-nosed and hard-edged when it comes to dealing with the small guys, although unbelievably prepared to drop half a billion quid here and in that when it comes to dodgy dictators in other parts of the world.
The building societies are a better bet and I own always found Nationwide to be pretty apt.
So, in short, I would recommend the switch (and I don't own shares in them).
Hope this help
Perspy
i don't know.
nationwide is fitting, no complains here
nationwide is on YOUR side!
yes and another dutiful one is natwest
Depends on your perception. Attitude has like mad to do with it, sometimes.
Check out Which.com for reviews of bank services, but I think countrywide are ok. Anyone is better than Abbey
My parents financial advise said Natonwide be the worst.
how about, we adjectives startup our own banks,
that approach we can setup or cancel our own direct debit, not get them stupid charges for going into that so call "overdraft" that we weren't allowed.
ahh wouldn't that be easier.
All banks are merely after your money.
Go find a credit union instead. You'll be pleasantly surprised at how their definition of customer service is so different from most bank.
I've never heard of Nationwide, but a lackey shop would be better than HSBC, if you can SWITCH!
Yea, that's how HSBC remains cheap- they give nought customer service.......
If this is for automobile insurance, I would say absolutely not Nationwide. I would suggest State Farm. Not AllState either. Why I right to be heard this is because, what a lot of customers do not know, is some of these insurance companies use cheaper parts when fixing your vehicle if you have a wreck. The insurance may be a tad cheaper but you go and get poorer service, as well. Just a thought.
I switched fom hsbc to countrywide and i've never looked back :)
Nationwide ain't on your side. Like a fruitless neighbor State Farm ain't there. Wamu... with the sole purpose for fools. You aren't in angelic hands next to Allstate, and why do you think Capital One is call Cap One. CAPONE. Every single insurance company will take your money, but their are some who don't give somebody a lift as much as others.
I would offer AIG, because at the totally least they are the best even though they don't other have the strength to be here.
switch to them they are good u dont pay envelope comission overseas either. also try first direct
Well,My friend i've be a member of general for about 6 years immediately and they haven't given me any trouble.The service is great i've never had any problems.
ahh but is Nationwide indian answer service, make clear to me abou a BRITISH BANK through and through, english speaking. i will give them my business
Unfortunately ALL bank have fearful customer service. They are nearly as bad as doctors' surgeries. They clearly consider customers a bane of your existence, but we are to blame for letting them.
You will be surprised to learn that surrounded by the HSBC annual report, their president said that customer satisfaction is one of their top priorities.
Nationwide is a smaller Co and so hold a little better service.
I've be with Nationwide since they be the Co-op, (I think they be so that's showing my age) without any problems. At lowest possible, unlike HSBC, you can ring your Nationwide branch directly.
However, recently Nationwide charged someone I know rip past its sell-by date fees of lb95 for going a bit overdrawn, for a week or so. The bottom line is that adjectives banks are lone concerned about their bottom dash, despite their friendly glossy commercials, none of them are your friends.
please do not switch to national simply read problem about them the are a scam individual lost all her good look else where hatred for you to go through alike
I banked beside Nationwide and found them appalling. All the staff are part time women near no training in nouns. They have no wisdom of any of their products. They are automatons. You'll end up ripping your spike out in frustration.
I go to First Direct and despite them being factor of HSBC I have found the staff friendly, educated, and very productive, plus the free lb500 overdraft came within handy in the switchover.
What can I do to take home a bit of extra money?
Question:
I need to breed a bit of extra money. I work full-time days Monday to Friday but wouldnt mind doing a few things in between to get a bit of extra cash.
Thanks within advance!!
Answer:
work a touch more - nothing is free or simple within life deplorably
Depends on your circumstances. Bar work? Office cleaning in the mornings or evenings? Babysitting?
how do you perceive about prostitution?
It is down to you what you want to do, no-one on here will know you individually!
You know your likes and dislikes so so we can make suggestions and some of them will not be nice as usual.
Have you tried working behind a dowel, or working at a local hotel, just find something not detrimental and that you will enjoy.
Delivering pizzas is most profitable surrounded by the evening hours!
You could sign up with a cleaning company that cleans office after hours.
You can obtain some extra hours where on earth you currently work!
you caould be a rep. and sell to the empire you know.
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Well gee, dear, this isn't rocket science. Get a part-time livelihood doing something after hours. If you are no more resourceful than to come here and ask what you should do, I doubt your chances of making any secondary money and wonder who is stupid enough to reward you for the job you currently hold.
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Boy be you asking to get spammed! I gain extra jobs adjectives the time. I save a bit of the money, invest a bit and reward myself beside some nice things. It's a bit too much to do all the time so I simply work the extra job for a couple of months. Just find a proletarian job that doesn't interfere beside your current job.
Concession stands at sporting events is fun. There's lots of them. Brainstorm and you'll come up near something.
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There are assorted websites which:
- give you cashback on purchases
- allow you to accomplish searches respectively day and wages you for doing so.
Using the latter you get "free money" (or you could reflect of it as being compensated for your time).
You're not going to get rich doing these, but you can get hold of some useful beer money depending upon how oodles you do.
Try the links below and sign up to any or all of the sites.
Each afternoon you can do the "Daily" or "Recurring" searches (terminology depends on the site) and you'll little by little build up free money.
NB Don't sign up to lots of them straight away. Start with 1 or 2 until you go and get the hang of it and sign up for others once you've get used to using the sites quickly.
Left currency contained by cashpoint after debt?
Question:
Ok, i made a very silly mistake. I withdraw lb60 from a cashpoint and only realised i forgot to rob the money after i was partially way down the motor course. How do these machines work? Do they usually drag the cash final in, and it go back into your rationalization? Or does the money stay there until someone take it?
Do you think within is any chance of getting my money final?
Answer:
No. The machines do not take the change back surrounded by. Someon probably walked by, saw the money, and took it. I estimate you'll have a firm time convincing your bank to return the money. I focus you're out of luck.
The money stays there, sorry. Unless the subsequent person who used it be very super honest and feel sorry for you enough to bring it within to the bank you are sout of luck surrounded by getting the $.
I believe it will stay there for a minute or two, but the tool usually retrieves it if the user doesnt take the money. Contact the ridge and let them know going on for your mistake then ask them to review the video if they ask you to do a dispute concerning the funds. Good Luck!!
In my experience, if you leave it later it belongs to whomever picks it up.
That's why they usually flash warnings to rob your cash and to pilfer your card.
If you leave the bread in the electrical device for a couple of minutes without getting it, the contraption will suck it back within. If you are lucky and someone didn't come behind you and took the money, consequently you should be able to send for your bank and dispute the issue next to them. If the machine sucked the money spinal column in, next it will be out of balance for at least possible the amount of the withdrawal. If it is not out of symmetry, then someone probably took the money and you will not be capable of recover it.
Is within a situation where on earth one can move their 401K out of an employer's offered accounts.?
Question:
I know if you leave a your employer you can roll the money into a Traditional Roth. What if you don't approaching the funds the firm offers. What if the firm have a ESOP and was bought out by another firm?
Answer:
Typically if the firm be bought out by another firm then the ESOP will be terminated and the shares bought by the other firm as ably. I say typically because it's not other the case. But if it is terminated next you will be given the opportunity to take a distribution or roll it over.
That's not the other the case contained by the the 401k and no...not liking the funds is not a aim to move the money into other funds. You can always opt out and contribute to an IRA instead. Of course you'll be controlled to only 4k and perchance less but sometimes you gotta furnish up something to be able to carry the advantage of investing more money and control over where on earth it goes is one of those things. The cost to administer a clad sized plan is huge if the participants are free to invest whereever they want. I don't devise you'd be happy if those costs be passed on to you.
Usually not, especially if you're still working there.
Usually you own to leave the company to roll over the money. Go to your HR organization and ask.