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Articles – Personal Finance

Growth Stocks vs. Value Stocks

Growth Stocks vs. Value Stocks Investors are often confused about the differences between growth stocks and value stocks. The main way in which they differ is not in how they are bought and sold, nor is it how much ownership… Read more

Exchange-Traded Funds

What Is an Exchange-Traded Fund? Exchange-traded funds (ETFs) are just one of the many types of investment funds available, but they have some qualities that are unique and set them apart from other vehicles. ETFs are securities that attempt to… Read more

Dividends

What Are Dividends? When considering the profit they make on stocks, many investors assess the gains they have obtained based on the appreciation of the stock on the open market or the gains they obtained after selling the stock for… Read more

Common Stock vs. Preferred Stock

Common Stock vs. Preferred Stock Common stock and preferred stock are the two main types of stocks that are sold by companies and traded among investors on the open market. Each type gives stockholders a partial ownership in the company… Read more

Bond Ladders

What Is a Bond Ladder? A bond ladder is a strategy involving the purchase of bonds that have staggering maturity dates. Instead of maturing all at once, the bonds mature in intervals. This may help a bondholder to be less… Read more

Annuity Taxes

How Are Annuities Taxed? One of the most attractive features of an annuity is its tax-deferred status. Generally, you won’t pay any income tax on the interest or earnings until you start taking withdrawals in retirement (age 59½ or later)…. Read more

United States Tax History

United States Tax History American tax law is a constantly changing landscape. The latest major piece of tax legislation is the American Taxpayer Relief Act of 2012, which was signed into law on January 2, 2013, by President Barack Obama. It… Read more

Tax-Free Insurance Upgrades

How Can I Upgrade My Insurance — Tax-Free? Responding to the changing needs of consumers, the life insurance industry has developed some alternatives that go much further in satisfying a variety of financial needs and objectives than some of the… Read more

Mutual Fund Profits

How Can I Keep More of My Mutual Fund Profits? Provisions in the tax code allow you to pay lower capital gains taxes on the sale of assets held more than one year. The long-term capital gains tax rate is 15%… Read more

Tax-Free Investments

Is There Such a Thing as a Tax-Free Investment? The simple answer to this question is “yes.” There are two main types: (1) municipal bonds and municipal bond mutual funds and (2) tax-free money market funds. Municipal bonds are issued… Read more

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