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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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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. […]


401k Limits
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Also known as defined contribution plan, 401(k) is a type of savings account that derived its name from the subsection 401(k) of the Internal Revenue Code. With this, employers can help their employees save money for retirement and it is also one way to keep valued and tenured workers of their company. Workers have the option to deposit part of their salary into a 401(k) plan. It is to be administered only by the employers and the employers also have the right to choose on various investment options when it comes to participant-directed plans.


Highest Money Market Rate
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Money Market has been the favorite avenue for some who wish to have a safe, secure and liquid investment. Financial institutions and dealers that lend and borrow money in short-term basis, typically less than a year or up to 13 months, consists the money market.


Top Money Market Funds
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The money market consists of financial institutions that do business through lending and borrowing assets via short-term basis, usually up to less than 13 months. Money market trades include commercial paper, deposit certificates, banker’s acceptances, federal funds, treasury bills, municipal notes, repurchase agreements and short-lived mortgages. Because of the high liquidity and short maturity nature of the money market, it is considered as a safe place for an investment.


Gift Tax Exclusion
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Taxable gifts often get misunderstood. At most times, individuals are not aware that they have given someone a gift and little do they know that the gift is liable to taxes. Simple ways like adding a name to a deed, specifying a name to a savings account or investment account, or naming a deed of a property to a child will sometimes make gifts taxable. So as an additional confusion, not all the said instances will result to taxable gifts. It would entirely depend on the rules and laws of the state where you live or where the property is located.


Borrowing from IRA
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Borrowing from IRA or using your IRA as collateral is normally not permitted. Prohibited transactions are subject to taxes and penalties imposed by the IRA account that you have. But there is a certain rule that allows you to borrow money from your IRA account. Through this you will find a way around any penalties or unnecessary fees but know that it should be strictly followed. Otherwise the tax advantages that you enjoy with your account will possibly vanish. There will be two rules, 60-day rule and 1-year rule.


529 Contribution Limits
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Operated by a state or educational institution, a 529 plan (qualified tuition plan) is an educational plan designed to aid families in setting aside money for future college expenses. It offers tax-advantage to plan holders that’s why it’s a great college assurance plan. It derived its name from Section 529 of the Internal Revenue Code. This plan can be used to cover the costs of the college of your choice given that the institution you’re opting to be in is eligible to your 529 plan.


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Roth IRA is an individual retirement account that offers tax-free growth and normally tax-free withdrawals. I said normally because Roth has specific rules, not only in contributions, but also with distributions. The Internal Revenue Service predetermined two kinds of distributions: qualified and unqualified (subject to Roth IRA penalties). Early withdrawals can be made because the IRS does prevent such. They know life happens and it does not always go our way. Financial constraints due to major health issues or personal issues may arise any moment making us in need for a source of ready cash.



Best Brokerage Firms
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When we talk of the best brokerage firms, it includes the best penny stock broker and best Forex broker. It is very important to find a broker that offers low trading costs without compromising customer service. With this you can maximize your investments and get the desired returns or more.


Real Estate IRA
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Due to the development in ownership of private properties, real estate has become a major business. Investing in real estate is a great way to gain a much wanted income. In fact, many venture into real estate business in the hope of getting rich. However, this requires large funding because you will be needing appraisers, brokers, development of land, management of property, and relocation services.



Gold IRA
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An Individual Retirement Account is a retirement plan, or in proper explanation, an investment accumulation for retirement which gives account holders tax incentives. Amongst the many types of IRA account, Traditional IRA and Roth IRA are the most popularly used.


Best Mutual Fund Companies
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Mutual funds by definition are an investment from a group of people that consolidate their money and let a portfolio manager handle the trades (buying and selling) of the fund’s investment in accordance with their objective. Investments could include stocks, bonds, commodities, securities, and other mutual funds.




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