The invention of the Internet has brought about many changes in the way that we conduct our lives and our personal business. We can pay our bills online, shop online, bank online, and even date online!
We can even buy and sell stocks online. Traders love having the ability to look at their accounts whenever they want to, and brokers like having the ability to take orders over the Internet, as opposed to the telephone.
Most brokers and brokerage houses now offer online trading to their clients. Another great thing about trading online is that fees and commissions are often lower. While online trading is great, there are some drawbacks.
If you are new to investing, having the ability to actually speak with a broker can be quite beneficial. If you aren’t stock market savvy, online trading may be a dangerous thing for you. If this is the case, make sure that you learn as much as you can about trading stocks before you start trading online. Read more…
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Overall, there are three different kinds of investments. These include stocks, bonds, and cash. Sounds simple, right? Well, unfortunately, it gets very complicated from there. You see, each type of investment has numerous types of investments that fall under it.
There is quite a bit to learn about each different investment type. The stock market can be a big scary place for those who know little or nothing about investing. Fortunately, the amount of information that you need to learn has a direct relation to the type of investor that you are. There are also three types of investors: conservative, moderate, and aggressive. The different types of investments also cater to the two levels of risk tolerance: high risk and low risk.
Conservative investors often invest in cash. This means that they put their money in interest bearing savings accounts, money market accounts, mutual funds, US Treasury bills, and Certificates of Deposit. These are very safe investments that grow over a long period of time. These are also low risk investments. Read more…
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When it comes to investing, many first time investors want to jump right in with both feet. Unfortunately, very few of those investors are successful. Investing in anything requires some degree of skill. It is important to remember that few investments are a sure thing – there is the risk of losing your money!
Before you jump right in, it is better to not only find out more about investing and how it all works, but also to determine what your goals are. What do you hope to achieve with your investments? Will you be funding a college education? Buying a home? Retiring? Before you invest a single penny, really think about what you hope to achieve with that investment. Knowing what your goal is will help you make smarter investment decisions along the way!
Too often, people invest money with dreams of becoming rich overnight. This is possible – but it is also rare. It is usually a very bad idea to start investing with hopes of becoming rich overnight. It is safer to invest your money in such a way that it will grow slowly over time, and be used for retirement or a child’s education. However, if your investment goal is to get rich quick, you should learn as much about high-yield, short term investing as you possibly can before you invest. Read more…
Rebates have become increasingly popular in the last few years on a lot of items and certainly on electronic items and computers. Rebates of $20, $50 or $100 are not uncommon.
I’ve even seen items advertised as “free after rebate”. Do these rebates come under the heading of “too good to be true”? Some of them do and there are “catches” to watch out for but if you are careful, rebates can help you get some really good deals.
The way a rebate works is that you pay the listed price for an item then mail in a form and the bar code to the manufacturer and they send you a refund thus reducing the price of what you paid for the item except with a time delay of several weeks. Read more…
Answer these questions truthfully:
- Does your spouse or partner complain that you spend too much money?
- Are you surprised each month when your credit card bill arrives at how much more you charged than you thought you had?
- Do you have more shoes and clothes in your closet than you could ever possibly wear?
- Do you own every new gadget before it has time to collect dust on a retailer’s shelf?
- Do you buy things you didn’t know you wanted until you saw them on display in a store?
If you answered “yes” to any two of the above questions, you are an impulse spender and indulge yourself in retail therapy. Read more…
You may know one of the few items in the big healthcare reform bill that takes effect this year is a small-business credit for offering healthcare to employees. If you’ve delved into it, you know it’s based on a really complicated formula.
Fortunately, there’s some new help out there for business owners trying to understand if they qualify, and if so, how much they could receive.
Healthcare reform, officially known as the Affordable Health Care Act, provides a small-business tax credit of up to 35 percent of the cost of premiums for qualifying business. BUT — what you get depends on factors including how many full-time employees you have and how much those workers make. Your actual credit might be less than 35 percent.
Confused? The IRS has stepped into the breach with new guidance to help you determine if you qualify. Their recently issued notice on the tax credit contains examples to help you tell if you qualify and how much you might get from the credit. Read more…
AT&T (T)
There are certain types of companies which traditionally seem to have a bad reputation of not pleasing its customers. For example, cable companies are stereotyped as never arriving on time for appointments. Similarly, cell phone companies have a bad reputation of high rate plans and confusing contracts. So when a company such as AT&T announces a change to their wireless plans, almost everybody was expecting the worst. The consumer backlash hasn’t come as a surprise, especially since consumers have a tendency to be very resistant to any kind of change. However, the announced change was a decrease in rates, so why are some customers so furious? Read more…
With summer jobs in short supply, it’s tempting for entrepreneurial parents like us to encourage our kids to do what we’ve done — start a business and make some money.
After all, doesn’t the saga of every successful entrepreneur begin with a smiling youngster at the side of the road with a pitcher of lemonade in one hand and a plastic cup in the other? What better way for kids to learn about sales, marketing and the importance of location, location, location.
But is a lemonade stand — or any other retail operation — really such a good business for your kids to start this summer? Think about it: Before they can even make their first sale, your kids are going to have to go to the supermarket and buy lemons (or lemonade mix), sugar, cups and napkins. Read more…
Coca-Cola (KO)Coca-Cola is one brand that is easily recognizable in countries across the globe. The brand has been ingrained in societies for decades and now the company is making moves to ensure that this level of staying power continues for years to come. Coca-Cola said it has reached a 20-year agreement to distribute some of Dr Pepper Snapple Group Inc. products, with the latter getting $715 million. The company is known for making some wise decisions when it comes to acquisitions, so many are wondering if this will turn out to be one of those smart moves? What are some of the important aspects of the deal? Read more…
Small businesses are already besieged by the prospect of rising taxes, health care costs, and tightening access to credit. A recent report by the Congressional Oversight Panel indicates that there may be more troubles in store.
Small business may get another punch to the gut when commercial real estate mortgages come due over the next three years.
As noted by Rieva Lesonsky on Small Business Trends, pundits are considering the effect that we could experience a commercial real estate fallout, much like the fallout for residential real estate mortgages. Community banks in particular have been cited as vulnerable because they have disproportionate amounts of commercial loans on their books relative to their assets. Read more…