Thanks for all your help and all the information (again!)

Yes, I am looking to buy the house in about a year, so I am thinking that it would be best to take the money out now. I was just hedging my bets since seeing the numbers go up (finally!)is so pleasing. Since I am hoping to purchase a house in a year, that was why I focused on how I should not add any additional funds (the whole ordinary tax thing). I still don't really understand it all (how it works in terms of taking all of it out and how the money that has been in there for a longer than a year gets taxed, versus the less than one year amount), but I'm certain that Vanguard can explain it to me.

I have been trying to find companies that cater to the nonprofit crowd, but haven't had much luck yet. Vanguard, for example, requires an initial investment of $5,000 for each participant, which I am certain is not an option for many of my fellow employees. So, we will see.

Thanks again for putting me on the right road. Even when I was searching this website, I must have been looking in the wrong places because I didn't find several of the articles you mentioned. The many links that you have sent me have been quite helpful. I have no doubt that with the information that you have given me, that my CEO will surely be interested in looking at something different.


Take care.