Stock Portfolio Management

Stock portfolio management is the process of managing your stock portfolios to get the maximum profit with minimum risks. It is considered a highly dynamic process, as re-evaluation of investment plans is done continuously whenever market value changes.
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Stock Trading - Stock Trading Terminology

For the uninitiated, reading the business section in a newspaper or reading business magazines can often be a bit mystifying. On one hand, everyone knows about stock trading in a very basic way and all the talk about bulls and bears can be confusing, even in light of the fact that a bullish market means share values are up while a bearish market indicates sluggishness or lower share values.
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Online Brokers

Stock brokers are those who are authorised to trade securities in a stock exchange of which they are members. Any investor interested in buying or selling a stock has to approach a stock broker. In the initial days, stocks were traded by stock brokers by shouting the price of the stock on the floor of the stock exchange. This method was called open outcry method of trading.
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Stock Market - Stock Trader

Have you ever heard the story of ‘Tortoise and Rabbit’? Yes, that’s the same principal to be followed in the stock market. Being fast in the starting takes you to nowhere because it takes time to understand any of the stock trading knowledge. The stocks world is the most unreliable and speculative world.
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Us Stock Market - Us Stock Market - Investment Opportunities

The US stock market has a long history dotted with a lot of ups and downs. The stock market is made up of two exchanges - the New York Stock Exchange (NYSE) and the National Association of Securities Dealers Automated Quotations system (NASDAQ).
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Stock - Fundamental Guide To Safe And Profitable Trading

Many seek to succeed in stock and option trading. But the majority loses in their endeavor to reach the success. The game doesn’t seem as easy as it might look like. If you ever started trading and got confused of when to place order, when to take profit, how to protect your equity and you toiled with anxiety and hesitation in making decision, then you have come to the right site.
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Good Penny Stocks - Defining The Best Penny Stocks

You’ve heard of penny stocks, but the mere name of them scares you, simply because of its speculative sound. Yet you know that many people claim to have made absurd profits in the penny stock market. But before you decide to get involved in penny stock trading, you need to become educated in all the penny stock terminology, so that your definition of the best penny stocks matches that of those who trade them for a living.

Different Methods of Rolling Over Retirement Accounts

“Rollover” is the term used to describe the tax-free, penalty-free transfer of funds from one tax shelter plan to another. Plans that can be rolled over include 401(k), IRAs in their various flavors, 403 plans, and 457 plans. For example, an employee may change jobs so naturally the funds can rollover from the first employer’s 401(k) plan to the new employer’s 401(k) plan without any taxes or penalties. The same employee changing jobs can also elect to rollover all or part of the 401(k) funds into an IRA account. Employees usually take advantage of rolling over tax shelter funds when changing jobs but also can do so once they reach retirement age as defined by the plan.

When an employee does change jobs, a decision must be made quickly on how to handle the retirement funds. IRS laws mandate this decision must be made within 60 days or else the funds received from the retirement account will be treated as taxable income. If the new employer does not offer a 401(k) plan or mandates a length of employed time before qualifying for the plan, the employee should deposit the funds in an IRA account during this transitional period to avoid any taxes. Sometimes the funds may be able to remain in the 401(k) plan of the former employer, it is obviously important to understand these guidelines thoroughly when changing jobs.

Generally, all rollovers must be deposited into retirement accounts in the same way they were distributed from the previous account, cash must be cash, stock must be stock, etc. If amounts are not rolled over they are considered to be taxable income. Rollover can occur either directly or indirectly. A direct rollover is handled directly between the 401(k) custodians or from the employee’s 401(k) to the employees IRA. In a direct rollover the employee never actually handles any funds. With an indirect rollover, the account holder actually receives a distribution of cash or assets from the retirement account and then deposits the funds in another retirement account within 60 days to avoid tax consequences.

Finance - Stock Trading Systems - The Lexicon

Charts are visual representations of stock prices over time, and you can familiarize yourself with them in the financial pages of your local news paper. Think back to algebra, and plotting curves the vertical axis is the price, and the horizontal axis is time, usually in days or weeks. Make sure, when comparing graphs, that the vertical axis is the same for multiple stocks. Sparkline graphs are a recent innovation and give you an instant visual impact on a wide range of numbers over time.
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Contribution Limits to Tax Shelters and 401k Loan Limits

This post is meant to serve as a reference for contribution limits to the various tax shelters. Below are the yearly contribution limits for each type of account.

  • IRAs: in 2007 the limit is $4,000 – this rises to $5,000 in 2008 and increases yearly by $500 in the following years. This limit can be reached by a onetime contribution, or by consecutive contributions throughout the tax year. Employees over the age of 50 can make yearly contributions of $5,000 in 2007 and $6,000 in 2008 with the same $500 increment in following years.
  • 401k: in 2007 the limit is $15,500, this rises to $16,000 in 2008. Employees over the age of 50 can make additional “catch-up” contributions amounting to an additional $5,000. Additional limits may be imposed by your employer, typically at 10% of your annual salary.
  • 403b: same as 401k limits with the same incentives offered at age 50 and above. 403b plans are essentially 401k plans offered by non-profit organizations.
  • 457: same as 401k and 403b limits with the same incentives offered at age 50 and above. 457 plans are essentially 401k plans offered by governmental employers or non-church tax-exempt organizations.
  • Keogh: also the same contribution limits with the same age incentives as 401k, 403b, and 457 plans. Keogh plans are constructed for the self-employed or unincorporated firms.
  • SEP IRA: determined as 20% of total net income and limited to $45,000 in 2007, with subsequent contribution limits raised according to a cost-of-living increase. SEP IRAs are constructed specifically for sole proprietorships and small business owners, just as Keogh plans are.

Many employees choose to take out loans against their 401k plans. It has been estimated that about 20% of employees eligible for a plan loan have one. Generally, these loans are limited to 50% of the amount in the 401k account or at $50,000, whichever is the lesser amount. Loans are generally repaid through payroll deductions in monthly installments over a 5 year period, except in the case of a loan for a home mortgage when the loan can be extended over a longer period.