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Minimal Rates On Precious Metals Are A Great Opportunity For A Wonderful Investment
Everything that Glitters Isn’t Gold? As the eyes of the world rest on economic uncertainty, civil agitation and political methodology, gold and some other precious metals lie in the shadows. In the short term, this can be inhibiting to the holder of such forgotten prizes– but ought to in fact be thrilling to the purchase and hold investor types.
What Is Financial Engineering?Financial engineering is a discipline that uses knowledge from multiple fields, including computer science, economics, applied mathematics and statistics, and applies them to innovative solutions to financial problems as well as the creation of new finance products. Also known as computational engineering, finance engineering is used in a variety of organization, including investment banks and insurance agencies.
FHA Loans: Houston Homeowner Heaven?In 1934, the Department of Housing and Urban Development created the Federal Housing Administration, or FHA, to help get the economy going again. Today, that same FHA loan program is helping Houston area residents buy their first home with very little down. And even though the FHA loan isn’t just for first time home buyers, the program has some a couple of little-known guidelines assisting “first-timers.
Fee Transparency Protects 401(K) Investors Against Conflicts of InterestYou may be asking yourself as a retirement plan sponsor or investor, “What’s so special about this fee disclosure regulation besides that I will now know exactly how much I am paying for this plan?” Educate yourself so that the changes in transparency regulations made in July 2012 can help your 401(k) plan and retirement future. The implementation of 408(b)(2) and 404(a)(5) fee disclosure regulations gives investors additional protection against conflicts of interest in their retirement plans.
Tax Planning Strategies Small Business Owners Must KnowIt is a fact that it takes years for most small businesses to earn the profit they need. Apart from the possible cut-throat competition in the respective industries to which they belong, they could be paying for numerous obligations. One of these is taxes. If you are an entrepreneur looking for a relief regarding this matter, the tax planning strategies contained in this article are just right for you to read.
Tax Planning Services – Insights On Hiring OneMany companies these days take advantage of the convenience offered by tax planning services. This is especially true to those who do not have the time to keep their records detailed and or learn the intricacies of a personal financial software packages or tax preparation programs.
How The Self-Employed Individuals Can Reduce Tax LiabilityNot many self-employed individuals know that they can reduce tax liability in different ways. They often think that seeking to lower their dues would lead them to illegal activities. If you are one of them, here is good news for you. You can do so through careful study of everything you have at hand and definite planning of the steps you ought to make. Read the following ideas which can get you started on this.
Where Is Our Trust When It Comes To Money?There was so much deception and mistrust going on within Jacob’s family. The unfortunate thing is that it is not unfamiliar to the majority of us. As Jacob and his family get ready to go back to Jacob’s hometown in Genesis 31:19, Rachel decides to pack one more thing – her father’s household gods. Rachel’s theft goes beyond grabbing a childhood memory for the road. Let’s consider the impact this theft may have.
How Mortgage Software Can Mitigate Loan RisksLoan risk management is a discipline focused on managing credit risks related to lending products. Issues range from individual borrowers’ creditworthiness and likelihood of defaulting on loans to the entire loan portfolio of a given lending institution.
Human Action or Human Folly?It seems the ‘race to the bottom’ is picking up speed; the ‘race to the bottom’ in value of fiat currencies, that is. Conventional wisdom calls for a reduction of the (relative) value of a currency, in order to ‘support export industry’. The new government of Japan, headed by Mr. Shinzo Abe, was elected on that very ‘platform’; the intention to deliberately devalue the Japanese Yen, supposedly to ‘support’ Japanese export industries.
Should You Sell Your StocksMuch has been written about how to evaluate stocks in order to buy them, but less has been written about what you need to do before you decide to sell your investments. To every investing equation there are two sides – the buying side and the selling side… or the opening transaction and the closing transaction.
Retirement Income Takes a 1 – 2 Punch With Both Higher Taxes and Excessive Plan FeesNow that the dust has settled after the New Year, a topic on everyone’s mind is what will happen to tax rates in 2013 and beyond. It’s not certain what the final numbers will be, but most experts agree that we are likely to see tax hikes across the board including income tax, capital gains tax, and taxes on dividends. And with these tax increases, most people will continue to pay fees on 401(k) retirement plans that are needlessly high.
New Retirement Plan Contribution Limits for 2013On October 18, 2012 the Internal Revenue Service announced several inflation adjustments for 2013 including ones for retirement plans. 401(k), 403(b), Profit-Sharing Plans: These plans are used at public schools, colleges, universities, churches and other tax-exempt entities under the 501(c)(3) Internal Revenue Code. Effective changes to this type of plan include: – The elective deferral (contribution) maximum is increased to $17,500 in 2013 from $17,000 in 2012.