What Should I Do With a Lump-Sum Distribution From My Cash-Balance Plan?
Lump Sum distributions can allow you to invest according to your preferences, but could also be used frivolously and spent down in a short time. The first thing to keep in mind is that it’s very easy to spend a lump sum right away without thinking about the consequences. While the monthly payment option protects your money from overspending, many people feel that they would derive a greater value from having access to more of their money. Continue reading...
What Provisions Should a Long-Term Care Policy Contain?
Long-term care insurance policies can be structured in any number of ways, depending on your desired coverage. More coverage equals more premium cost, but may save you money later in life if you use your policy for a number of years. There are a variety of provisions (also known as riders) to consider, including but not limited to the dollar amount of your daily benefit (usually $200 - $500), whether it is a reimbursement or paid in full, which facilities qualify for coverage, what kind of assistance you’ll provided, whether or not it includes a nurse on duty 24 hours a day, access to a doctor, whether you’ll have a room to yourself or not, and so on. Continue reading...
What is a support line?
A support line represents an estimation of where a price is likely to stop moving downwards, based on recent data and analysis methods. It is arrived at with different formulas for different indicator methods, but it is generally a line derived from moving averages and standard deviation which represents a lower level at which traders would expect a price to rebound back upwards. Several methods of technical and fundamental analysis plot a support line or two as part of a graphical representation of trends. Theoretically, a price will only deviate so far from its moving average before bouncing back toward the middle. Continue reading...
What is a Leveraged Buyout?
A leveraged buyout occurs when members of management use outside borrowed capital to buy a controlling share in the company. Often times, the assets of the company being acquired are used as collateral for the borrowed capital. The purpose of leveraged buyouts is to acquire another company without having to commit a lot of working capital up front. In a typical leveraged buyout, you may see a ratio of 90% debt financing to 10% equity used to acquire the company. Continue reading...
What are Federal Agencies?
Agencies are entities which are created by the federal government to fulfill an obligation or role that is deemed to be in the best interest of the country. Agencies might also also be known as Commissions, and they can be formed by legislative action, or through the direction of a specific Department or Branch of the government. Some federal agencies are known as Commissions, Task Forces, or Administrations, but all are generally tasked with a specific responsibility or focus. Continue reading...
Should I Trust an Article Such as “What Are the Best Mutual Funds?”
Probably not, but it might get you thinking in the right direction. The short answer is “no.” The title of such an article should be enough to deter your from it. If such information were widely available, everyone would instantly act on it and nobody would be able to profit. In fact, if such lists are analyzed, almost none of the funds will appear on the next year’s list. That’s too bad, since mutual funds are not meant to be as liquid as stocks and ETFs, but are designed to be held for 3 years or more. Continue reading...
How should my strategy change with age?
The more time you have to invest, the more room you have to make mistakes, wait-out downturns, and to experience the power of compounding interest. As you get older and need to draw income from investments, things change. The answer is relatively simple: you can afford to be very aggressive when you’re young, and gradually become more and more conservative with your investments as you grow older. Generally speaking, stocks are considered risky investments, while bonds are considered less risky, so a person’s portfolio mix from age 40 to age 80 might go from 80 stocks/ 20 bonds to 50/50 or even 20 stock/ 80 bonds depending on his or her preferences and the market conditions. Continue reading...
What are All-Cap Mutual Funds?
All-cap mutual funds invest in companies of all sizes. All-capitalization mutual funds invest in companies without a bias towards the capitalization of the company. In every mutual fund’s prospectus, the stated objective of the fund will be outlined, as well as the agreed-upon asset allocation guidelines. Deviation from these parameters can put fund managers in hot water with regulatory groups like the SEC. Continue reading...
Crypto: AI Real Time Patterns
The best way to make money pattern day-trading stocks is to use our premium tool, Real Time Patterns (RTP Cryptos). You will get real time signals to buy and/or sell cryptos based on intraday price information. RTP analyzes 39 types of patterns in real time with the following frequencies: 5min, 15min, 30min, 1hour, 4 hours, and 1 day. To make this tool more convenient, it's best to customize it. Settings include adjusting the confidence level, price range, types of patterns, etc. You also need to set up notifications for emails or push notifications. The more filters you use, the fewer trade ideas RTP will generate. Continue reading...
What if I Cannot Get Individual Coverage?
Under current law (the Affordable Care Act), everyone is eligible to receive health insurance coverage. However, not everyone may be able to afford health insurance. There are subsidies provided by the federal government for those who cannot afford it, but cost may still be an issue for many. How Much Will Individual Health Coverage Cost? Can I Purchase Individual Health Insurance? What Health Insurance Do I Need if I Don't Have a Job? Continue reading...