Financials Lead Market Lower
The major averages took a hit yesterday, as the banks sold off right from the open. After weeks of terrific performance, the financial stocks dropped on a wave of profit taking. As I mentioned...
View ArticleGM on Verge of BK
Things at General Motors are getting bleaker by the minute, as the company pulled an offering that would convert its debt to equity. The bondholders revolted the offer and gave GM no choice but to...
View ArticleDow Continues to Struggle
The market treaded water yesterday, but is selling off this morning. The ADP National Employment Report, which is a number that has been monitored lately, showed a decrease in jobs by 532,000. This was...
View ArticleStocks Poised to Drop Again
A dismal jobs report on Thursday sent the market plunging before the 4th of July holiday weekend. The U.S. lost 467,000 jobs in June. That was more than expected and took the overall unemployment rate...
View ArticleGoldman and J & J Beat
So far earnings season has started out with a bang. Alcoa got things started by beating estimates last week. Then this morning all eyes were on Goldman Sachs, which their results knocked the cover off...
View ArticleIntel Beats, Market Rallys
Intel, the world’s largest computer chip company surprised everybody on Wall Street by significantly beating analyst’s estimates on both earnings and revenues. Investors are taking the Intel news as a...
View ArticleRequired Minimum Distributions are Waived For 2009
Retirees over the age of 70 1/2 have, prior to 2009, been required to withdraw a small percentage of their retirement accounts (401k, IRA’s, etc.). This is the government’s way of gaining tax revenues...
View ArticleKeeping Positive in Challenging Times
The economy and the investment markets have historically had great successes and great hardships. The year 2008 represented a very challenging economic and investment environment. During these times it...
View ArticleExxon/Mobil Goes X-Mas Shopping
Big news this morning has Exxon/Mobil buying Natural Gas player XTO energy for $31 billion in stock. Exxon/Mobil will be issuing .7098 shares of their stock for each share of XTO. The deal helps XOM...
View ArticleWhat is a Tax-Deferred Savings Plan?
What is a Tax-Deferred Savings Plan? A tax-deferred savings plan is usually an account that is associated with a person’s retirement savings, such as a 401(k) plan or an IRA. Tax deferred plans are...
View ArticleWhat is a Testamentary Trust?
What is a Testamentary Trust? A testamentary trust is one of the most common varieties of trusts. These trusts are activated by a person’s will at the time of their death. Testamentary trusts are...
View ArticleWhat is a 408(k) Plan?
408(k) Plan There are numerous financial planning tools to choose from, but not all plans are able to be offered by every employer. There are restrictions and limits which must be followed, including...
View ArticleWhat is a 412(i) Plan?
412(i) Plan The 412(i) plan is designed to be used for small United States business owners. These plans often suit the needs of those who might have problems saving for retirement while also focusing...
View ArticleWhat are Conduit IRA Plans?
Conduit IRA Plans Conduit IRA plans are sometimes referred to as a Rollover IRA. These plans are designed to temporarily house fund distributions from other qualified retirement plans. They can be used...
View ArticleWhat are Top Hat Plans?
The term “top hat plan” refers to special non-qualified retirement plans that are sometimes set up by companies for selected groups of individuals, who are usually key executives within the company....
View ArticleWhat are Spousal IRA Plans?
The term “spousal IRA” refers to an IRA that is set up and funded by an individual specifically for his or her spouse. These plans are generally implemented when a person’s spouse has little or no...
View ArticleWhat are Extended IRA Plans?
Extended IRA Plans, which are sometimes referred to as multi-generational IRA plans, are designed for use by individuals who do not want to spend all of the money accumulated in their IRA plan, or...
View ArticleThe Registered Retirement Savings Plan – RRSP
A Registered Retirement Savings Plan (RRSP) is used throughout a person’s career to allow money to be saved for retirement. These plans are designed to be tax-deferred and are registered by the Canada...
View ArticleThe Independent 401(k) Plan
Independent 401(k) plans, which are sometimes referred to as a solo 401(k), are designed for one individual who is operating a sole proprietorship. These plans can also be used when a person is...
View ArticleWhat is an Inherited IRA?
The term “inherited IRA” is used to refer to an individual retirement account (IRA), which after the owner’s death, is left to one of his or her beneficiaries. The tax laws for IRA plan inheritance can...
View ArticleEvaluating Mutual Fund Performance
Evaluating the performance of a mutual fund can sometimes be a bit confusing, especially if you are new to investing. Mutual funds often advertise high rates of return, but many times this only...
View ArticleAn Introduction to Mutual Funds
Mutual funds have become a very popular investment over the past twenty years. On the average, about half of the households in the United States currently invest in them. Mutual funds used to be a...
View ArticleMutual Fund Fees and Expenses
Although mutual funds are a great way of saving money for retirement or other goals, there are also costs involved. In some cases, the various fees and expenses associated with a mutual fund can...
View ArticleSpotlight on REITs: PIMCO Commercial Securities Trust
PIMCO Commercial Securities Trust: Is a mortgage securities trust, the company invests money and securities into investment grade commercial properties. As of June 1996 the company had investments that...
View ArticleSpotlight on REITs: Meridian Industrial Trust
Meridian Industrial Trust: This real estate investment trust company invests mostly in industrial properties and buildings, it was one of the biggest players in the industrial real estate market, until...
View ArticleSpotlight on REITs: Impac Commercial
Impac Commercial: This real estate investing company lends money for commercial and residential mortgages. This company will finance non conforming mortgages for residential homes and businesses, with...
View ArticleSpotlight on REITs: Chastan Capital
Chastan Capital: This Real Estate Investing Trust specializes in mortgages and funding, it will fund and buy mortgages from commercial and multifamily homes and apartments; it would also buy liens from...
View ArticleThe Benefits Of Investing In Specialty Mutual Funds
Investors or people who have studied investment know that there are a lot of options when it comes to investing money and just like majority of the investment opportunities that exist out there,...
View ArticleSaving Money: How To Develop The Habit Of Saving Money
I am sure everyone knows why it is important to save money and despite knowing it, not everybody is able to save. Saving is important and beneficial for everyone. The concept of saving is what makes...
View ArticleRetirement Planning
Retirement is something everyone looks forward to as it is that time of our lives when we can finally stop working and contribute our time to relaxation or do things we have always wished for. However,...
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Central Banks’ Fiscal Stimulus Causes Ripple Effect In Different Economies
Some of the biggest central banks in the world are promoting fiscal stimulus by injecting money in financial markets. As a result of this, other economies are also being prompted to follow the same...
View ArticlePersonal Loans For People With Bad Credit History: How To Get Them Approved
Many people apply for personal loans because they need extra money for various reasons such as paying their college fee, to pay off their debt and several other reasons. When it comes to applying for a...
View ArticleGetting A New Bank Account When You’re Bankrupt
If you have a decent credit history, setting up a bank account will not be a hassle for you. Banks admire people with good credit histories and want them to open new accounts in their branches....
View ArticleControlled Spending On Your Credit Card
Whenever its pay day, all of us start thinking about the things we want to get. A lot of us also tend to go overboard and buy expensive things on our credit card without realizing that we are spending...
View ArticleThe Importance And Benefits Of 529 Plan
Every parent wants their child to go to college but in most instances, parents don’t have the money to pay for the tuition fee and other associated expenses. However, even if money is tight, you are...
View ArticleBasics of Making Passive Income Through Means Of Online Blogs
One of the easiest and most effective ways to earn money online is through blogs. However, putting up a blog to only make money might result in failure. An effective blog consists of helpful posts that...
View Article3 Steps To Improve Yourself As A Stock Market Investor
Investing in a stock market is not an easy task, which is why a lot of people often fail when they decide to invest in stocks. As an investor, there are few simple things you should always keep in...
View ArticleEasy Ideas For Repairing Your Credit Score
If you have a bad credit score, you can always repair it without seeking advice or help from professionals. Having a bad credit score is a bad thing especially if you are in and out of banks more often...
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When should you hire a financial advisor?
There are many reasons why people hire financial advisors, but one of the most common reasons for hiring a financial advisor is when you have a lot of cash but do not know what to do with it. If you...
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Getting Started On Binary Options: Tips For Starters
Binary options are a modernized way of accessing financial markets as they allow users to predict future price movements and earn high amount of profit if they speculate correctly. Getting started on...
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Few Tips On Surviving A Financial Crisis
Many of you may have already heard the warning spread out by financial experts about a financial crisis hitting us in 2013. These experts are not lying; they are infact trying to prepare you for the...
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Four Important Tips For Investing In Precious Metals
An increasing number of people are opting to invest in precious metals nowadays but investing your money in precious metals is not the same as investing in stocks or foreign exchange. If you have made...
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Saving Money With Banks The Right Way
We often open a bank account and store our valuable funds thinking that we are doing the right thing and saving money. A lot of us consider this the most secure way of saving money, but have you ever...
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Three Types Of Investment
There are many techniques that can be used to invest in the markets but in a nutshell, there are three broad concepts of investing; aggressive investment, conservative investment and safe investment....
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Things To Look For In IRA Investment Accounts
There are many ways in which you can invest these days. Investment has allowed majority of the people to become wealthy as it permits individuals to build on their existing wealth. There are different...
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Why Silver Coins Are Worth Investing In Today
Not too long ago, most country’s coins were made out of silver. But as the passage of time, the quality of the coins degraded due to use of readily available copper and other alloys. Governments...
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Investment Plans That Can Be Advantageous For You
When looking in the future, one of the most beneficial and intelligent move to take is financial investing. For years this technique has been considered one of the best routes to take in money...
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Controlling Your Credit Addiction Is Good For Your Retirement
A lot of people ask financial managers on how they can secure enough funds for their future so that they and their family can live in peace. Ask any financial manager and the answer will be same,...
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Increase Your Income When Working From Home On The Internet
A lot of people have started making side income on the internet because their basic jobs either don’t pay them enough or they are tired of the monotonous work life. If you too have started working...
View ArticleCreating An Ethical Will
Life, and the joy of life, is stored in our memories, hopefully, until our last day on earth. The memories, great experiences and lessons of our past, we are so fond of and, within us, carry deep...
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