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IRA vs 401k Central

Save More for Retirement

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Boost Your Credit Score to Free Up Extra Money

February 7, 2018 by Justin Leave a Comment

Certainly there is more to live than spending all of your hard-earned money on nice cars and entertainment, and the fact that retirement will come a lot sooner than you expect, the earlier you are to start saving, the better.  Sure, money can be tight once you pay the monthly bills, but between reducing necessary and unnecessary expenses, sometimes you have to make some sacrifices in order to free up extra money.  When it comes to some of your monthly bills such as the mortgage, loans, and even insurance, could be even higher because of your credit score. Check Your Credit Report Make sure you do a thorough and total credit check at least … [Read more...]

Start Off 2018 Contributing More Towards Retirement

December 13, 2017 by Justin Leave a Comment

New Year’s resolutions are easy to come up with, it’s carrying them out that is the problem.  Sure, everyone wants to lose a few pounds, so in January the gyms are packed with all those with new memberships and continues to be crowded for a few months, and then slowly you see more and more room and no wait for the machines as priorities change.  By summer, those January signups have disappeared and the gyms can look forward to payments continued to be made without showing up, able to sign up more members.  Same goes for your finances, as if you are looking to focus on retirement, you need to fully commit. Look for Company Matching … [Read more...]

Ways to Free Up Money to Increase Funding Your Retirement Account

November 8, 2017 by Justin Leave a Comment

In addition to monthly bills that likely eat away at your entire paycheck, the next most important piece is saving for your future.  Whether that is an employer 401k account, or an IRA, your retirement should be a priority early on, because even though it may even be decades before you retire, that time will go by so fast that you don’t want to miss out on funding your account when it’s already too late.  By freeing up money you can increase the funding of your retirement account. Follow a Budget Creating a budget, a budget is the easy part, it’s actually following it is the difficult part, so much in fact that most Americans actually … [Read more...]

Take Advantage of Employer Matched Contributions

September 23, 2017 by Justin Leave a Comment

Retirement might be the last thing on your mind at the moment, currently more concerned with work, family, debt, money right now, but as far away as retirement seems, the earlier you save, the better in the long run, after all, it needs time to grow over time to have enough to use as a nest egg when you’re ready to hang up the cleats in the working world.  One of the best ways to save for the future is to take part in a 401(k) account through your employer, and if you are not signed up yet, now is the time. Free Money No better incentive to sign up for a 401(k) account comes with company matching contributions.  No matter if it’s 3% or … [Read more...]

Am I Saving Enough for Retirement?

August 31, 2017 by Justin Leave a Comment

When you graduate from college and enter the working world, retirement may be the furthest from you mind.  Even being in your job for ten or twenty years and you may not even still have your sights on what to do after the you leave the working world.  The problem is, the longer you wait, the less time you have to earn compound interest and build a nest egg for your future.  The truth is, you should start to save as soon as you start earning money, but realistically at least set up your employer's 401(k) account as soon as you start earning a paycheck after college, and gradually increase from there.  The more time that goes on getting used to … [Read more...]

Impartial Review of Online Brokers: Ameritrade

August 28, 2017 by Justin Leave a Comment

When you day trade, you are only as good as your trading software. How it executes trades, helps you research and provides breaking alerts means a lot to your daily and monthly bottom lines. Ameritrade is an online trading platform that many traders use every day. Every kind of trader from an institutional investor to day traders. How it works for day traders gets mixed reviews. The platform is excellent for beginners and the research elements are top-notch, but the bottom line comes down to commissions. Their per-trade commissions are very high compared to other platforms. Which makes it problematic for day traders that trade often and … [Read more...]

Ways to Ensure Maximum Savings for Retirement

July 25, 2017 by Justin Leave a Comment

When it comes to saving for retirement, how much is enough?  With that depends on your lifestyle, finances, debt, and what you need to live off of during your golden years.  Depending how far along you are in your career, we have long heard about the availability of social security being an income source when we are ready to draw, and given the number of employers that do not offer pensions these days, you need to establish your own retirement savings.  There are a few ways that you can ensure that you are in the right direction of setting up a comfortable nest egg. Check Out a Retirement Calculator Based upon what you have saved so … [Read more...]

Does an IRA or 401(k) Make More Sense

June 1, 2017 by Justin Leave a Comment

You often hear IRA and 401(k) thrown around, and you may only know 401(k) because of work, so what is the difference between the two?  401(k) is an employer-sponsored retirement plan, so if your work offers this it will be a good idea to make sure you are contributing, especially if you are offered any company matching.  If your work does not offer 401(k), or you are looking to invest in another account, an IRA is a great choice, and you can choose between a traditional and Roth, depending on what your saving priorities are. Contribution Limits One of the key differences between any IRA and a 401(k) are the contribution limits, which … [Read more...]

A Look At Trading Techniques

March 23, 2017 by Justin Leave a Comment

How do investors implement trading techniques to generate profits and manage risk at the same time? It is a delicate balancing act. Trading strategies hinge on the ability to pick the right stocks to trade. But, eually as important is the ability to prevent big losses and hold onto as much profit as you can. You do that with proper risk management. Trading With Cash Versus On Margin When you get out into the market, you can either trade with the cash you have on hand, or basically trade with credit. Trading with borrowed money is a bit risky, but the rewards can be great, provided that you manage the risk properly. One way to do is to … [Read more...]

How to Invest a Little Bit of Your IRA or 401k to Binary Options Trading

March 22, 2017 by Justin Leave a Comment

It goes without saying that you will want to ensure that your IRA or 401K, depending on which retirement account you choose, grows as much as possible throughout your career. In order to maximize that growth there are a couple of key points, the first is to start as early as possible so that you can put more years in the bank when it comes to your savings, the second, is using your IRA or 401K to invest in a wide range of financial markets. It makes a lot of sense to diversify your portfolio and invest a small amount of your IRA or 401K in many different ventures. One such area that you simply must consider when it comes to electing where … [Read more...]

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