Spousal IRA

Stay-at-Home Moms Can Have Retirement Benefits With A Spousal IRA Married couples usually have individual careers of their own before they get married. When they were newly-weds, both of them were enjoying their personal incomes and sharing in the expenses at home, such as groceries, bills, fuel and mortgage loans. However, when the first child comes, some couples must sit down and talk about one of them giving up work to stay with their child and take care of him at home while he is very y...

Benefits of Employee Stock Purchase Plans

Whether you are a business owner, CEO, or manager, you need to find ways to keep employees satisfied, fulfilled and productive, as well as ensuring they want to stay with the company. A good way to make sure that employees are happy with the company is to provide employee benefits, such as the employee stock purchase plans, or ESPP. An employee stock purchase plan allows employees to buy stock options during a prescribed period, sometimes at a discount. A company can offer workers a qualified...

How to Set Up a SEP IRA

Simplified Employee Pension Individual Retirement Account or SEP IRA is a retirement plan under IRA. It is intended to benefit the self-employed individuals and the small business owners. This includes sole proprietorships, partnerships, corporations, and LLCs. When you own a business, SEP IRAs should be established separately by you and any eligible employee. The employer’s contributions are then made into each eligible employee’s retirement plan. If you are looking for an easy and low-co...

Are Penny Stocks Any Good?

Penny Stocks (stocks that trade for less than $5.00 per share) are, for some people, an exciting investment. Because Penny Stocks are so “cheap,” many people mistakenly believe that they are more likely to be bargains. The reasoning is simple: they can cap losses at less than $5.00 per share, but their upside is unlimited. This may sound appealing, but in reality, it is a dangerous line of reasoning. Penny stocks are far from a sure thing. Remember, there is a reason that the stock price has ...

Exchange Traded Funds

Investing in the market quickly and inexpensively is made easy through Exchange-Traded Fund or ETF. This is an investment tool bartered in exchange of major assets such as stocks and bonds. It is traded just about the same price as the net asset value of its underlying assets through out the trading day. These are also index funds that help investors focus on what asset classes to choose. ETFs follow a certain index. Some of which are Dow Jones Industrial Average or Dow 30, Standard & Poor'...

No-Load Mutual Funds: Earn More and Spend Less

A lot of people are looking for ways to invest their money. They try to search online and look for more information on the topic. More often than not, they would encounter the term Mutual Funds and its counterpart, No-Loads Mutual Funds. Most people would choose the latter over the former for simple reasons: with no loads mutual funds, investors can actually limit the fees they pay for their investments by cutting out the middlemen—the brokers and investment advisors. But delving more into the t...

Investing Online For Beginners

Through the years, online investment has popularized and has piqued the interest of many individuals. How about you? Are you ready to face the challenge that comes with this venture? Investing online can be tedious particularly if you know nothing about it. It is a must that you take time to do your own research. Apart from researching, you may also opt to take up special classes for yourself to become fully abreast of the mission which you desire to take on. You can also expose yourself t...

Dividend Investing – Cashing in on Company Earnings

When looking for a great investment opportunity, an investor can look at the income-earning potential of dividend investing. This kind of investment strategy allows an investor to take a share of a company’s earnings in the form of dividends. To put things simply, dividends are sums of money given by certain companies to its shareholders. These are dependent on the companies’ performance and its investment earnings. Giving dividends is a prerogative that is exercised by a company’s managemen...

The Self-Directed 401k and its Essential Factors

Goodbye to the conventional thinking of our elders that one employment must last forever, which is basically not true at all! Who doesn’t want to enjoy the security of tenure, right? But things don’t easily fall into their right places. In fact, it is a tedious task to locate a generous employer who will feed you with the benefits that you crave for. Nevertheless, it is but common for the workers to shift into other fields, do job hopping, move out of one company and transfer to another, relocat...

International Investing

Investing is one way of making more money. If avenues for investments open, every opportunity must be grabbed to flourish the capital. And one great avenue for investment is investing on international or foreign markets. But this is considered as a serious business undertaking. Hence, before indulging into whatever kind of investment, careful decision-making and research must be conducted first, since investing internationally is indeed a big deal. Before making an investment decision, it wi...