More Info Here:
You can use these
information boxes to
break up what you
tell your customers.
information boxes to
break up what you
tell your customers.
Peter Morgan & Associates
| Online Banking |
Teach Kids to Diversify Their Investments
Using online coupons is a great way to save money. However,
if you do not know what you are doing, you may find yourself
signing up for things that you do not want or simply spending
more money than you intended. There are things to look out
for when using online coupons.
The first thing you should keep in mind is to never pay for
online coupons. Any sites that ask for payment for coupon
codes should be strictly avoided. Most sites will offer coupons
and online discounts for a simple registration. If however, a
coupon site is asking for credit card information and payment
for a coupon, then you may be better off finding another site.
Another thing to keep in mind is the reputation of the coupon
website. You should never have to give personal information to
gain a coupon discount code. If a website is attempting to get
more information than you feel comfortable in giving, then you
should probably head somewhere else. Use sites that are
recommended by friends and family or that you have heard
good things about in the past.
When you are searching through coupon codes on a website,
watch out for those that are for stores that you have never
heard about. If a coupon website is offering coupons for
unknown stores, then they may not be legitimate. Also, watch
out for those "too good to be true" discounts.
No legitimate coupon site is going to offer you a deal that is
simply too incredible to believe. Only use coupons for stores
that you are familiar with and never attempt to use a coupon
that is simply an unbelievable deal. It is very possible to save
money with coupon and discount websites. However, if you are
not careful about which websites you visit, you could end up
costing yourself more in the end. Always use caution and
check coupon sites for legitimacy and reputation.
Income Versus Growth
Two main categories of investments exist: those that produce a
fixed income, and those that go for growth. Fixed income
mainly means interest income earned on savings accounts,
bonds, and similar investments.
Other types of income relate to non-fixed income investments,
such as stocks and stock mutual funds. These two types of
income include dividends and capital gain distributions from
mutual funds. This income is paid when companies make
money and share their good fortune with their shareholders.
Fixed-income investments offer your child certainty. She knows
when she buys a fixed-income investment exactly what she'll
have when she's through. For example, if she buys a CD
paying 5 percent interest for five years, she can figure today to
the penny what she'll be paid five years from now.
Fixed-income investments, however, don't offer any possibility
that they'll be worth more than expected later on. There's no
possibility for growth.
Growth investments, which include stocks and stock mutual
funds, are so named because they're held primarily for the
chance to have the investment grow in value over time. This
growth in value is translated into more money when the stock
or fund shares are sold and result in capital gains.
Money ABCs
Capital gain is the appreciation in the value of assets since
they've been bought. If your child paid $25 for a share of stock
and sells it when the price has risen to $100, the $75
appreciation is capital gains; it's another word for profit.
Adults are always talking about capital gains, and this topic is
important for two reasons.
Capital gains are taxed only when something is sold. So, if your
child buys Microsoft and the value of the stock rises by 200
percent, there's no immediate tax to him. The size of his
savings has grown because of increases in the price of the
stock he owns.
Capital gains receive special tax treatment. Unlike ordinary
income, such as salary, interest, or dividends (which is taxed
according to graduated tax rates running from a low of 15
percent to a high of 39.6 percent), capital gains on assets held
more than one year have a lower fixed rate of tax. Generally,
they're taxed at 20 percent, but people in the lowest tax
bracket on their other income pay only a 10 percent capital
gains tax. For example, if your 16-year-old's only income for
the year is a $3,000 salary, $1,000 in interest and dividends,
and $5,000 in capital gains, the portion of his ordinary income
that's taxable is subject to a 15 percent tax rate; the capital
gains is taxed only at 10 percent. (For kids under 14, the
kiddie tax can make them pay the 20 percent adult rate on
their capital gains.)
Even without selling growth investments, your child can receive
income from them. As explained earlier, growth investments
may throw off income in the form of dividends or capital gain
distributions by mutual funds.
Changing Allocations
As you've seen, kids have long time horizons for investments
and so can wait out the ups and downs of the stock market.
They can expect that over the long haul, as has been
historically true, stocks will perform better than fixed-income
investments. But your child may need money for something
that's coming up—buying a car, going to college, starting a
business. If the money is targeted for certain special uses, you
may have to adjust allocations over time.
Very young children. Here, allocations may be weighted more
heavily toward growth investments. It's still many years away
until college or other needs for the money.
Mid-teens. If money is intended for college, then most experts
agree that when your child is about three or four years away
from starting, some or all of the money in growth investments
should be shifted into fixed income. This will assure that the
money needed for tuition will be there even if the stock market
dips at the time your child enters college.
http://familyeducation.com/
Using online coupons is a great way to save money. However,
if you do not know what you are doing, you may find yourself
signing up for things that you do not want or simply spending
more money than you intended. There are things to look out
for when using online coupons.
The first thing you should keep in mind is to never pay for
online coupons. Any sites that ask for payment for coupon
codes should be strictly avoided. Most sites will offer coupons
and online discounts for a simple registration. If however, a
coupon site is asking for credit card information and payment
for a coupon, then you may be better off finding another site.
Another thing to keep in mind is the reputation of the coupon
website. You should never have to give personal information to
gain a coupon discount code. If a website is attempting to get
more information than you feel comfortable in giving, then you
should probably head somewhere else. Use sites that are
recommended by friends and family or that you have heard
good things about in the past.
When you are searching through coupon codes on a website,
watch out for those that are for stores that you have never
heard about. If a coupon website is offering coupons for
unknown stores, then they may not be legitimate. Also, watch
out for those "too good to be true" discounts.
No legitimate coupon site is going to offer you a deal that is
simply too incredible to believe. Only use coupons for stores
that you are familiar with and never attempt to use a coupon
that is simply an unbelievable deal. It is very possible to save
money with coupon and discount websites. However, if you are
not careful about which websites you visit, you could end up
costing yourself more in the end. Always use caution and
check coupon sites for legitimacy and reputation.
Income Versus Growth
Two main categories of investments exist: those that produce a
fixed income, and those that go for growth. Fixed income
mainly means interest income earned on savings accounts,
bonds, and similar investments.
Other types of income relate to non-fixed income investments,
such as stocks and stock mutual funds. These two types of
income include dividends and capital gain distributions from
mutual funds. This income is paid when companies make
money and share their good fortune with their shareholders.
Fixed-income investments offer your child certainty. She knows
when she buys a fixed-income investment exactly what she'll
have when she's through. For example, if she buys a CD
paying 5 percent interest for five years, she can figure today to
the penny what she'll be paid five years from now.
Fixed-income investments, however, don't offer any possibility
that they'll be worth more than expected later on. There's no
possibility for growth.
Growth investments, which include stocks and stock mutual
funds, are so named because they're held primarily for the
chance to have the investment grow in value over time. This
growth in value is translated into more money when the stock
or fund shares are sold and result in capital gains.
Money ABCs
Capital gain is the appreciation in the value of assets since
they've been bought. If your child paid $25 for a share of stock
and sells it when the price has risen to $100, the $75
appreciation is capital gains; it's another word for profit.
Adults are always talking about capital gains, and this topic is
important for two reasons.
Capital gains are taxed only when something is sold. So, if your
child buys Microsoft and the value of the stock rises by 200
percent, there's no immediate tax to him. The size of his
savings has grown because of increases in the price of the
stock he owns.
Capital gains receive special tax treatment. Unlike ordinary
income, such as salary, interest, or dividends (which is taxed
according to graduated tax rates running from a low of 15
percent to a high of 39.6 percent), capital gains on assets held
more than one year have a lower fixed rate of tax. Generally,
they're taxed at 20 percent, but people in the lowest tax
bracket on their other income pay only a 10 percent capital
gains tax. For example, if your 16-year-old's only income for
the year is a $3,000 salary, $1,000 in interest and dividends,
and $5,000 in capital gains, the portion of his ordinary income
that's taxable is subject to a 15 percent tax rate; the capital
gains is taxed only at 10 percent. (For kids under 14, the
kiddie tax can make them pay the 20 percent adult rate on
their capital gains.)
Even without selling growth investments, your child can receive
income from them. As explained earlier, growth investments
may throw off income in the form of dividends or capital gain
distributions by mutual funds.
Changing Allocations
As you've seen, kids have long time horizons for investments
and so can wait out the ups and downs of the stock market.
They can expect that over the long haul, as has been
historically true, stocks will perform better than fixed-income
investments. But your child may need money for something
that's coming up—buying a car, going to college, starting a
business. If the money is targeted for certain special uses, you
may have to adjust allocations over time.
Very young children. Here, allocations may be weighted more
heavily toward growth investments. It's still many years away
until college or other needs for the money.
Mid-teens. If money is intended for college, then most experts
agree that when your child is about three or four years away
from starting, some or all of the money in growth investments
should be shifted into fixed income. This will assure that the
money needed for tuition will be there even if the stock market
dips at the time your child enters college.
http://familyeducation.com/
This Information is not intended as investment advice, as an offer or solicitation
of an offer to sell or buy, or as an endorsement, recommendation or sponsorship
of any company, security, or fund. The opinions and analyses included in the
Information are based from sources believed to be reliable and written in good
faith, but no representation or warranty, expressed or implied is made as to their
accuracy, completeness or correctness. Options involve risk and are not suitable
for all investors. Please read full disclaimer. The material provided is for general
informational purposes only.
No Financial Advice
The Information is provided for information purposes only. The Information is not
intended to be and does not constitute financial advice or any other advice. The
Information is general in nature and is not specific to you. You should not make
any decision, financial or otherwise, based on any of the Information without
undertaking your own due diligence. You agree that any and all use of the
Information, which you make, is solely at your own risk and without recourse to
StockMarketVideo.com, StockMarketTradeAlerts.com, GoldSilverTradeAlerts.com
LLC or the content Providers. Further, you acknowledge that you understand that
StockMarketVideo.com, StockMarketTradeAlerts.com, GoldSilverTradeAlerts.com
LLC is not a licensed Financial Analyst, Financial Bank, Securities Broker, Dealer
nor Financial Planner. Options trading involves high risk and you can lose a lot of
money. Investing in options or any other financial instruments involves high risk
and may not be suitable for everyone. No statement in the documents should be
construed as a recommendation to buy or sell a security or to provide investment
advice.
No Warranties
StockMarketVideo.com, StockMarketTradeAlerts.com, GoldSilverTradeAlerts.com
LLC does not guarantee or warrant the quality, accuracy, completeness,
timeliness, appropriateness or suitability of the Information or of any product or
services referenced on the Site. StockMarketVideo.com,
StockMarketTradeAlerts.com, GoldSilverTradeAlerts.com LLC assumes no
obligation to update the Information or advise on further developments
concerning topics mentioned. The Site and the Information may be changed
from time to time without notice. The Site may be temporarily unavailable from
time to time due to required maintenance, telecommunications interruptions, or
other disruptions.
StockMarketVideo.com, StockMarketTradeAlerts.com, GoldSilverTradeAlerts.com
LLC IS PROVIDING THIS SITE AND THE INFORMATION ON AN "AS IS" BASIS
AND MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND
WHATSOEVER WITH RESPECT TO THE SITE OR THE INFORMATION OR
WITH RESPECT TO THE USE OR SUITABILITY OF THE SITE OR THE
INFORMATION FOR ANY PURPOSE. THE INFORMATION MAY CONTAIN
INACCURACIES, TYPOGRAPHICAL ERRORS OR OTHER ERRORS.
StockMarketVideo.com, StockMarketTradeAlerts.com, GoldSilverTradeAlerts.com
LLC disclaims all warranties, representations and conditions regarding the Site
and the Information, including, without limiting the generality of the foregoing,
all implied warranties and conditions of merchantability, fitness for a particular
purpose, title, non-infringement, freedom from libelous or privacy-invasive
content, freedom from infections of viruses and availability, whether expressed or
implied, or arising from a course of dealing, usage or trade practice.
Disclaimer of Liability
StockMarketVideo.com, StockMarketTradeAlerts.com, GoldSilverTradeAlerts.com
LLC, its employees, directors, agents, the content Providers and any other parties
involved in the creation, production or delivery or marketing of the Site or the
Information disclaim any responsibility and shall not, in any event, be liable for
any damages, claims, liabilities, costs or obligations including any indirect,
punitive, special, incidental or consequential damages, including without
limitation, loss of use, loss of data, loss of business profits, loss of opportunity,
business interruption, personal injury or any other pecuniary loss (collectively the
"Damages") whatsoever and howsoever caused, arising out of or in connection
with the use or misuse of the Site or the Information or with the delay or inability
to use the Site or the Information, whether such Damages arise in contract, tort,
strict liability, negligence, equity or statute law or by way of any other legal
theory, even if StockMarketVideo.com, StockMarketTradeAlerts.com,
GoldSilverTradeAlerts.com LLC has been advised of the possibility of damages
liability StockMarketVideo.com, StockMarketTradeAlerts.com,
GoldSilverTradeAlerts.com LLC shall be strictly limited to those monies
paid-to-date by member.
StockMarketVideo.com, StockMarketTradeAlerts.com, GoldSilverTradeAlerts.com
LLC disclaims any liability for unauthorized use or reproduction of any portion of
the Information or the Site.
Electronic Communications
It is the sole responsibility of the member to provide StockMarketVideo.com,
StockMarketTradeAlerts.com, GoldSilverTradeAlerts.com LLC with an accurate
and current e-mail address, and keep member profile updated. Member
understands that StockMarketVideo.com, StockMarketTradeAlerts.com,
GoldSilverTradeAlerts.com LLC will communicate with member at its own
discretion, and that it has no obligation to do otherwise. In the event that
StockMarketVideo.com, StockMarketTradeAlerts.com, GoldSilverTradeAlerts.com
LLC communicates with member it makes no representations; and strictly
disclaims any responsibility that said communication will be actually received by
member.
Links
This Site may contain links to other Internet sites. Such links are provided for
reference only and were independently developed by parties other than
StockMarketVideo.com, StockMarketTradeAlerts.com, GoldSilverTradeAlerts.com
LLC. StockMarketVideo.com, StockMarketTradeAlerts.com,
GoldSilverTradeAlerts.com LLC is not responsible for the contents of any such
linked sites and does not assume any responsibility for the accuracy or
appropriateness of the information contained at such sites. The inclusion of any
link does not imply endorsement by StockMarketVideo.com,
StockMarketTradeAlerts.com, GoldSilverTradeAlerts.com LLC of the site. Use of
any such linked site is at the user's own risk.
No Endorsement
Reference to any third party information, product, process or services at this Site
or any linked site is not an expressed or implied endorsement by
StockMarketVideo.com, StockMarketTradeAlerts.com, GoldSilverTradeAlerts.com
LLC
No Solicitation
No part of this Site should be taken to constitute an offer or solicitation to buy or
sell products or services. Some products or services mentioned on this Site may
only be available in certain areas or jurisdictions. Any products or services
mentioned on this Site are made available in accordance with local laws and
only where they may be lawfully offered for sale.
Confidentiality Warning
Absent the use of encryption, the Internet is not a secured medium and privacy
cannot be ensured. Internet e-mail is vulnerable to interception and forging.
StockMarketVideo.com, StockMarketTradeAlerts.com, GoldSilverTradeAlerts.com
LLC will not be responsible for any damages you or any third party may suffer as a
result of the transmission of confidential information that you may make to
StockMarketVideo.com, StockMarketTradeAlerts.com, GoldSilverTradeAlerts.com
LLC through the Internet, or that you expressly or implicitly authorize
StockMarketVideo.com, StockMarketTradeAlerts.com, GoldSilverTradeAlerts.com
LLC to make, or for any errors or any changes made to any transmitted
information.
Computer Viruses
While efforts are made to ensure that the Information provided at this Site does
not contain computer viruses, you should take reasonable and appropriate
precautions to scan for computer viruses and should ensure that you have a
complete and current backup of the applicable items of information contained
on your computer system.
Conformance with Law
You agree that your use of this Site will not violate any applicable local, national
or international law, including but not limited to any regulations having the force
of law. Some jurisdictions may have restrictions on the use of the Internet by their
residents. You agree not to impersonate any person in your use of the Site or the
sending of any e-mail to an address listed on the Site.
Severability
If any provision of these Terms of Use is determined to be invalid or
unenforceable, the provision will be enforced to the maximum extent permissible
and the remaining provisions of these Terms of Use will still be valid.
Governing Law
The laws of the State of Florida will govern as to the interpretation, validity and
effect of these Terms of Use and as to any dispute or claim based on your use of
the Site or the Information, notwithstanding any conflict of laws provisions of your
domicile, residence or physical location.
Legal Forum
Any dispute between the parties that results in litigation shall be exclusively heard
in the Courts sitting in Palm Beach County, Florida.
of an offer to sell or buy, or as an endorsement, recommendation or sponsorship
of any company, security, or fund. The opinions and analyses included in the
Information are based from sources believed to be reliable and written in good
faith, but no representation or warranty, expressed or implied is made as to their
accuracy, completeness or correctness. Options involve risk and are not suitable
for all investors. Please read full disclaimer. The material provided is for general
informational purposes only.
No Financial Advice
The Information is provided for information purposes only. The Information is not
intended to be and does not constitute financial advice or any other advice. The
Information is general in nature and is not specific to you. You should not make
any decision, financial or otherwise, based on any of the Information without
undertaking your own due diligence. You agree that any and all use of the
Information, which you make, is solely at your own risk and without recourse to
StockMarketVideo.com, StockMarketTradeAlerts.com, GoldSilverTradeAlerts.com
LLC or the content Providers. Further, you acknowledge that you understand that
StockMarketVideo.com, StockMarketTradeAlerts.com, GoldSilverTradeAlerts.com
LLC is not a licensed Financial Analyst, Financial Bank, Securities Broker, Dealer
nor Financial Planner. Options trading involves high risk and you can lose a lot of
money. Investing in options or any other financial instruments involves high risk
and may not be suitable for everyone. No statement in the documents should be
construed as a recommendation to buy or sell a security or to provide investment
advice.
No Warranties
StockMarketVideo.com, StockMarketTradeAlerts.com, GoldSilverTradeAlerts.com
LLC does not guarantee or warrant the quality, accuracy, completeness,
timeliness, appropriateness or suitability of the Information or of any product or
services referenced on the Site. StockMarketVideo.com,
StockMarketTradeAlerts.com, GoldSilverTradeAlerts.com LLC assumes no
obligation to update the Information or advise on further developments
concerning topics mentioned. The Site and the Information may be changed
from time to time without notice. The Site may be temporarily unavailable from
time to time due to required maintenance, telecommunications interruptions, or
other disruptions.
StockMarketVideo.com, StockMarketTradeAlerts.com, GoldSilverTradeAlerts.com
LLC IS PROVIDING THIS SITE AND THE INFORMATION ON AN "AS IS" BASIS
AND MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND
WHATSOEVER WITH RESPECT TO THE SITE OR THE INFORMATION OR
WITH RESPECT TO THE USE OR SUITABILITY OF THE SITE OR THE
INFORMATION FOR ANY PURPOSE. THE INFORMATION MAY CONTAIN
INACCURACIES, TYPOGRAPHICAL ERRORS OR OTHER ERRORS.
StockMarketVideo.com, StockMarketTradeAlerts.com, GoldSilverTradeAlerts.com
LLC disclaims all warranties, representations and conditions regarding the Site
and the Information, including, without limiting the generality of the foregoing,
all implied warranties and conditions of merchantability, fitness for a particular
purpose, title, non-infringement, freedom from libelous or privacy-invasive
content, freedom from infections of viruses and availability, whether expressed or
implied, or arising from a course of dealing, usage or trade practice.
Disclaimer of Liability
StockMarketVideo.com, StockMarketTradeAlerts.com, GoldSilverTradeAlerts.com
LLC, its employees, directors, agents, the content Providers and any other parties
involved in the creation, production or delivery or marketing of the Site or the
Information disclaim any responsibility and shall not, in any event, be liable for
any damages, claims, liabilities, costs or obligations including any indirect,
punitive, special, incidental or consequential damages, including without
limitation, loss of use, loss of data, loss of business profits, loss of opportunity,
business interruption, personal injury or any other pecuniary loss (collectively the
"Damages") whatsoever and howsoever caused, arising out of or in connection
with the use or misuse of the Site or the Information or with the delay or inability
to use the Site or the Information, whether such Damages arise in contract, tort,
strict liability, negligence, equity or statute law or by way of any other legal
theory, even if StockMarketVideo.com, StockMarketTradeAlerts.com,
GoldSilverTradeAlerts.com LLC has been advised of the possibility of damages
liability StockMarketVideo.com, StockMarketTradeAlerts.com,
GoldSilverTradeAlerts.com LLC shall be strictly limited to those monies
paid-to-date by member.
StockMarketVideo.com, StockMarketTradeAlerts.com, GoldSilverTradeAlerts.com
LLC disclaims any liability for unauthorized use or reproduction of any portion of
the Information or the Site.
Electronic Communications
It is the sole responsibility of the member to provide StockMarketVideo.com,
StockMarketTradeAlerts.com, GoldSilverTradeAlerts.com LLC with an accurate
and current e-mail address, and keep member profile updated. Member
understands that StockMarketVideo.com, StockMarketTradeAlerts.com,
GoldSilverTradeAlerts.com LLC will communicate with member at its own
discretion, and that it has no obligation to do otherwise. In the event that
StockMarketVideo.com, StockMarketTradeAlerts.com, GoldSilverTradeAlerts.com
LLC communicates with member it makes no representations; and strictly
disclaims any responsibility that said communication will be actually received by
member.
Links
This Site may contain links to other Internet sites. Such links are provided for
reference only and were independently developed by parties other than
StockMarketVideo.com, StockMarketTradeAlerts.com, GoldSilverTradeAlerts.com
LLC. StockMarketVideo.com, StockMarketTradeAlerts.com,
GoldSilverTradeAlerts.com LLC is not responsible for the contents of any such
linked sites and does not assume any responsibility for the accuracy or
appropriateness of the information contained at such sites. The inclusion of any
link does not imply endorsement by StockMarketVideo.com,
StockMarketTradeAlerts.com, GoldSilverTradeAlerts.com LLC of the site. Use of
any such linked site is at the user's own risk.
No Endorsement
Reference to any third party information, product, process or services at this Site
or any linked site is not an expressed or implied endorsement by
StockMarketVideo.com, StockMarketTradeAlerts.com, GoldSilverTradeAlerts.com
LLC
No Solicitation
No part of this Site should be taken to constitute an offer or solicitation to buy or
sell products or services. Some products or services mentioned on this Site may
only be available in certain areas or jurisdictions. Any products or services
mentioned on this Site are made available in accordance with local laws and
only where they may be lawfully offered for sale.
Confidentiality Warning
Absent the use of encryption, the Internet is not a secured medium and privacy
cannot be ensured. Internet e-mail is vulnerable to interception and forging.
StockMarketVideo.com, StockMarketTradeAlerts.com, GoldSilverTradeAlerts.com
LLC will not be responsible for any damages you or any third party may suffer as a
result of the transmission of confidential information that you may make to
StockMarketVideo.com, StockMarketTradeAlerts.com, GoldSilverTradeAlerts.com
LLC through the Internet, or that you expressly or implicitly authorize
StockMarketVideo.com, StockMarketTradeAlerts.com, GoldSilverTradeAlerts.com
LLC to make, or for any errors or any changes made to any transmitted
information.
Computer Viruses
While efforts are made to ensure that the Information provided at this Site does
not contain computer viruses, you should take reasonable and appropriate
precautions to scan for computer viruses and should ensure that you have a
complete and current backup of the applicable items of information contained
on your computer system.
Conformance with Law
You agree that your use of this Site will not violate any applicable local, national
or international law, including but not limited to any regulations having the force
of law. Some jurisdictions may have restrictions on the use of the Internet by their
residents. You agree not to impersonate any person in your use of the Site or the
sending of any e-mail to an address listed on the Site.
Severability
If any provision of these Terms of Use is determined to be invalid or
unenforceable, the provision will be enforced to the maximum extent permissible
and the remaining provisions of these Terms of Use will still be valid.
Governing Law
The laws of the State of Florida will govern as to the interpretation, validity and
effect of these Terms of Use and as to any dispute or claim based on your use of
the Site or the Information, notwithstanding any conflict of laws provisions of your
domicile, residence or physical location.
Legal Forum
Any dispute between the parties that results in litigation shall be exclusively heard
in the Courts sitting in Palm Beach County, Florida.
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