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Stock Market College


Investing

Investing

Investing correctly is your golden ticket towards reaching your financial goals.


Stock Market

Stock Market

Stock market trading can make you rich, but you must learn how to trade stocks like a professional.


Retirement

Retirement

Want to retire wealthy? You need to start saving for your retirement today.




Latest Investment Advice

Best IRA Company
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Rating: 4.4/5 (32 votes cast)

Currently, most Americans to some degree rely on their Social Security to provide financial assistance for their retirement years as well as to their beneficiaries. But, based on the projections prepared by the Trustees of the Social Security Fund, the pool of fund assets will be used up by 2022, and completely depleted by 2036. […]


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Rating: 2.5/5 (1 vote cast)

Your Individual Retirement Account (IRA) is designed to be a safe savings option along with its tax exempting character. However, smart investors will look beyond these known benefits and leverage the borrowing option to their advantage. Alongside smart investors, investors in need may also want to exercise their option to borrow money from their IRA. In both cases, the nuances of how to take money out of IRA goes a long way in ensuring optimal borrowing decisions.


Withdraw 401k Early
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Employers have strict restrictions on the withdrawal criteria of 401(k) type accounts. Early 401k withdrawals before the age of 59.5 attract a penalty of 10% in addition to income taxes. 401k withdrawals can only be made on medical grounds or in cases of defined financial difficulty 401k hardship withdrawals are given on rare occasions and in some organizations, but it is mostly not possible.


Roth IRA Taxes
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Rating: 2.5/5 (1 vote cast)

In planning for your future you have definitely looked into the best ways to handle your money so you have more of it when you ride off into the sunset. In your research you’ve come across Roth IRA’s and the benefits they give you in retirement. What you may not know are the rules and taxes tied to them between now and your office retirement party. Let’s look at a rundown of these taxes and regulations so you can protect your assets in your Roth IRA.


Catastrophic Health Insurance
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Health insurance is something that is provided by almost every employer. There are far too many people who experience difficulty in maintaining their health and hence incur huge medical bills. To tackle the huge medical bills, employers introduced health insurance plans through which employees can avail free medical cover. The only problem for a health insurance plan is that the employee must make contributions in order to receive the benefits from the insurance plan. In many cases, people may find themselves in situations where money is tight and would not actually like to pay for a health insurance premium. In these cases, there is another option – catastrophic health insurance policy.


Safe Harbor 401k
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Rating: 1.8/5 (2 votes cast)

A Safe Harbor 401k plan is a type of 401k plan with added benefits for the individual. The main difference of the safe harbor 401k plan is that it allows for individuals to contribute towards the retirement plan from their own salaries. The employers can contribute matching amounts to the plan for the employees. The contributions that are made from the employer are subject to tax while the contributions that are made by the individual are exempt from federal and income tax rules.


Hard Money Lenders
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There are many leading companies in the market today. Hard money lenders refer to the lending companies that specialize in offering loans which are backed up with collateral – that is typically a real estate property. These moneylenders provide loans to people for a very short period. In most cases, the interest rates that are charged by these moneylenders are much higher than the interest rates that would be charged by a bank for the same amount of loan. The reason for this is that these moneylenders are not governed by bank rules or any regulations.


Scottrade IRA Review
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Rating: 2.1/5 (15 votes cast)

Scottrade is an online broker and by far one of the best online brokers in the market today. By comparing the services offered by this company and the fees that they charge with the services and the fees of other online brokers, it can be seen that Scottrade is certainly one of the best online brokers in the market. Most people who have experience in online trading must have already heard about Scottrade and their services.



Best IRA Funds
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Rating: 2.5/5 (1 vote cast)

An investment into an Individual Retirement Account, commonly known as IRA, would not be beneficial if it was just made without first pursuing the best IRA funds available in the market.


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By definition a public company is a corporation or organization which offers its stock or bonds, otherwise known as securities to the general public or open market mostly through stock exchange. This happens when the company’s shareholders decide to offer their shares into the open market with a view to raise money for the expansion or re-organization of the company. This should provide a simple answer to the question ‘what is a public company’.


What is a Holding Company?
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The concept of a holding company may be quite complex and people often find themselves asking the question “what is a holding company?” A holding company is a company which owns the majority of the shares in another company or group of companies. They are usually corporations and sometimes are created with the sole aim of taking over other companies. This control comes through owning a percentage of the said company’s stock, in most cases 50 percent or more. On some given instances though, this company may be created to manage more efficiently, the said company’s resources.


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What is SUTA tax? SUTA stands for State Unemployment Tax Authority. It is a tax scheme begun by the state governments where employers are required to pay SUTA tax for their employees without deducting any amount for the same from the employees’ salary or wages. Normally the SUTA tax rate for an individual employer is determined by the number of unemployed personnel who make claims to the government.


FICA Withholding
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Every employed person in America has to pay the Federal Insurance Contribution Act tax commonly known as FICA tax. FICA withholding is done on the employees’ wages or salary where a deduction of a certain percent is made per annum usually 15.3 %. This deduction on the employee’s salary must be marched by the employers’ contribution in an equal measure every year. Where the employer pays half of the 15.3 per cent and the employee pays the other half which by law is withheld by the employer as per the Federal Government rules. FICA tax must be paid by every working American, which means that even the self-employed must pay the tax and pay the whole 15.3 percent, both the employer’s half and the employees half.


FICA Tax
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FICA is the acronym for Federal Insurance Contribution Act. This tax is imposed by the United States Federal government to employees as well as employers in order to fund Social Security and Medicare. However, most people refer to it as FICA. It is the tax collection mechanism for social security. FICA tax is used to provide for the federal system of old age, survivors, disability and hospital insurance. While the first three are funded by the social security fund, hospital insurance is the premise of Medicare tax.



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It’s Not Too Late! - You can still open your IRA today and receive taxable deductions for 2015. Learn How