Traditional Individual Retirement Accounts (IRAs) and Roth IRAs have been around for some time now. For those of you unfamiliar with the difference, a Roth is the inverse of a traditional IRA. That is, contributions made to a traditional IRA are tax deductible when made, but taxed when withdrawn, typically beginning at age 71. With…
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For some, the end-of-year holidays engender thoughts of helping those less fortunate. For others, it’s a time to develop strategies to save on taxes. Charitable giving allows you to achieve both goals. However, what if you would like to help but don’t yet know to which charities you would like to contribute? One of the…
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This is a follow up to my blog several weeks ago about crowd funding. The Securities & Exchange Commission (SEC) is additionally considering modifying the definition of an accredited investor as part of a proposal to amend the rule that permits the sale of private-placement securities. Lawmakers want the SEC to expand the definition so…
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There’s been lots of speculation that Baby Boomers – the wealthiest generation in American history, not to mention one of the largest – have the potential to seriously impact equity returns as they use up their savings during their retirement years. A newly released Vanguard research paper offers a number of reasons why investors have…
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The success of Twitter’s recent IPO was the culmination of a simplified IPO process aimed at making it easier for smaller companies to raise capital. Under the JOBS Act of 2012 a so-called Emerging Growth Company would be allowed to do the following: Submit a draft registration statement to the SEC for confidential nonpublic review…
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If you have an investment account at a brokerage firm, chances are you’ve encountered a risk tolerance questionnaire. Such a document purports to determine how comfortable you are with investment risk. Questions range from the simple – “Are you investing primarily for income or for growth?” – to the sublime – “If you are offered…
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