Tag: INDEX
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How to Find the Best Credit Cards Based on Your Credit Score
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Understanding Your Credit Score Credit cards offer a convenient way to pay for goods and services, and higher credit limits allow cardholders to handle emergencies when necessary. It can be challenging to get approved if you have bad credit, but with a good credit score, you should be able to…
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Payroll Taxes: The Basics for Employers
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Payroll taxes are taxes withheld by employers from employees’ wages and deposited on behalf of the employees and themselves to the appropriate tax authorities. As an employer, you are expected to collect and pay these taxes through your payroll process. Payroll Tax Guarantees U.S. federal payroll taxes consist of several…
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Comparison between Dollar-Cost Averaging Investment and Large Lump Sum Investment: Which is Better?
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Investors with a large sum of money have two options: either invest it all at once, which is also known as lump-sum investing, or invest equal amounts of money on a regular and scheduled basis, which is known as dollar-cost averaging. What is the difference between dollar-cost averaging and lump-sum…
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8 Reasons to Buy a Home
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You have probably listened to the advice of friends, family, and colleagues who encourage you to buy a home. However, you may wonder if buying a home is the right choice for you. It’s natural to feel hesitant. The more you learn about the reasons to consider buying a home,…
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Your Guide to the 2020 Recession: Why It Won’t Turn into a Depression
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By: Kimberly Amadeo What Caused the 2020 Recession? The 2020 recession began in the first quarter of the year when the economy contracted by 5% due to the COVID-19 pandemic. The government shutdowns intended to curb the virus’s spread ended the longest economic expansion in U.S. history. The National Bureau…
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Is stocks a better investment than real estate?
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Introduction: From 2004 to 2006, real estate prices rose in the states of Arizona, Nevada, California, and Florida. Other parts of the country experienced similar increases, but these four states saw some of the best gains. Real estate investment became a popular hobby among new investors looking for quick profits.…
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The Best 7 Games to Teach Kids About Money
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Learn the importance of money and enjoy it at the same time Best for Math Skills: Buy It Right This is a popular game among teachers and homeschoolers. It practices many different math skills, including addition, subtraction, multiplication, division, and fractions. An adult (or older student with the required skills)…
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Definition of Effective Tax Shelters, Their Advantages, Examples, and Strategies
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What are tax-efficient funds? Tax-efficient funds are mutual funds or exchange-traded funds (ETFs) that generate relatively lower levels of dividend income and capital gains compared to other mutual funds. In contrast, non-tax-efficient funds produce dividends and capital gains at a relatively higher rate than tax-efficient mutual funds or ETFs. Tax…
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Investment in Real Estate Investment Trusts for Hotels
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Investing in hotels can be an exciting way to own real estate. If you’re wealthy, you can directly franchise a hotel from one of the major hospitality companies. Buying a midscale hotel can cost around $15 million. Luxury hotels can easily require $30 to $60 million or more. Although most…
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What is tax season?
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How Does Tax Season Work? The Federal Tax Office announces the official tax season when it begins accepting federal income tax returns, but this can vary from year to year. It is usually at the end of January. Tax season lasts for a certain period from the beginning of the…
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Vanguard Targets International Income Investors with New Dividend ETFs
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Investment in dividends has become highly popular over the many past decades as it provides a predictable income stream for investors over time. In particular, older investors seeking reliable income use dividends as a means to extract value from their portfolios while maintaining equity for capital appreciation. Similarly, many companies…
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COLA – Social Security and Cost of Living Adjustments
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How Was COLA Created? Social Security benefits have been adjusted for inflation since 1972. This came as a result of several laws passed by Congress as part of the Social Security Amendments of 1972. Initially, there was a need for a new law every time Congress wanted to adjust payments,…
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The 10 Largest Global Investment Management Companies
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Investors or institutions often invest with the help of an asset management company. These companies take control of the investments and make investment decisions. How Do Large Asset Management Companies Work? Asset management companies often deal only with large institutions. These institutions might be other companies, large non-profit organizations, or…
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What are Class R shares of investment mutual funds?
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Definition and Example of R Class Mutual Fund Shares R Class mutual fund shares are a class of shares designated for retirement. If you hold mutual funds in a 401(k) plan, or if you have done some research to find a no-load version of your favorite fund, you may have…
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What is trading based on indicators?
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Definition and Example Trading based on indicators is a trading method that uses technical analysis to identify market trends. New traders use visual indicators to discover trends in the market. These indicators are not useful for traders who know how to read price charts. Indicators cannot precisely predict what will…
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Get to Know Mutual Funds Before You Invest
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What are Mutual Funds? Mutual funds are an investment that allows a group of investors to pool their money and hire a portfolio manager. Depending on the fund’s stated objective or focus, the manager invests this money in stocks, bonds, or other securities. How Much Do Mutual Funds Cost? All…
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Improving Energy Consumption Efficiency in the Home
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Most people are familiar with basic energy efficiency improvements, such as “Energy Star” labeled appliances and windows, but there are some upgrades you might not have considered – improvements that can make a big difference in monthly energy bills. Whether you are buying, selling, or building a home, explore these…
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Calculating the Pip Value in Different Currency Pairs in the Forex Market
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In foreign exchange (forex) trading, the value of a pip can be a confusing topic. A pip is a unit of measurement for currency movement and represents the fourth decimal place in most currency pairs. For example, if the EUR/USD currency pair moves from 1.1015 to 1.1016, that is considered…
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Do credit limits affect your rating?
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Your credit scores are an indicator to lenders of your likelihood to repay loans or default. While your debt repayment history is one of the most important factors, there are other factors that can raise or lower your scores, sometimes even within a month. Your credit utilization is one of…
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What is accident insurance?
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Definition: Accident insurance is a type of insurance that pays only when the insured person dies or suffers injuries due to an accident. Accident insurance pays benefits if you are injured or die in an accident. This type of insurance typically does not cover healthcare costs related to illness, nor…
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التحوط القصير هو استراتيجية استثمار تُستخدم لحماية المستثمر من المخاطر المرتبطة بانخفاض سعر الأصول. يشمل التحوط القصير بيع الأصول أو العقود المستقبلية أو الخيارات التي تتوقع أن تنخفض قيمتها، مما يتيح للمستثمر تحقيق أرباح من تحركات الأسعار السلبية. تهدف هذه الاستراتيجية إلى تقليل الخسائر المحتملة من الاستثمارات الأخرى. على سبيل المثال، إذا كان المستثمر يمتلك أسهماً ويتوقع أن تنخفض أسعارها، فإنه يمكنه إجراء تحوط قصير عن طريق بيع أسهم أو عقود مستقبلية على تلك الأسهم. في حال تحقق توقعه وانخفضت الأسعار، يمكنه إعادة شراء الأسهم بسعر أقل وبالتالي تقليل الخسائر. يعتبر التحوط القصير تقنية معقدة وقد ينطوي على مخاطر، لذا ينبغي على المستثمرين فهم السوق جيدًا قبل القيام به.
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Short hedging refers to a strategy that investors and companies can use to protect themselves from losses caused by a forecasted or actual decline in the assets they own or produce. Definition and Examples of Short Hedging Short hedging generally occurs when an investor buys a put option for an…
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How long can it take to hear back after the interview?
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How long does it usually take to receive a job offer after an interview? When should you expect to hear back after an interview? There is no hard and fast rule regarding how long it will take employers to respond to you with a job offer (or a rejection). The…
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How are taxes imposed on investment profits in real estate investment companies?
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Basics of Real Estate Investment Trust (REIT) Taxation A Real Estate Investment Trust (REIT) is a company that owns and manages income-producing real estate. When you invest in a REIT, you become a shareholder, and the REIT is required to distribute at least 90% of its income to its shareholders…
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What is a mutual fund prospectus?
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Definition: A mutual fund prospectus is a document that provides investors with important details about the fund, such as the investment strategy, fees, risks, and the fund company. The prospectus can be a great tool for investors to analyze whether investing in a particular fund is suitable for them. How…