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Articles by Eric Amzalag
IRA vs 401(k): Key Differences, Benefits and How to Choose the Right Retirement Account
Many workers have two major ways to save for retirement in tax-advantaged accounts—an IRA and a 401(k).
Risk Tolerance: How to Evaluate How Much Investment Risk You Can Handle
How do you decide how much investment risk you are comfortable taking in your portfolio? Many people start by taking an online risk-tolerance questionnaire from their advisor or brokerage firm—you know, the ones that ask a series of questions like, “Could you accept a 30% loss in a one-year period and still sleep at night?”…and then tell you how aggressive your approach should be and recommend your ideal stock-and-bond allocation.
How to Calculate Marginal Cost
If you’re an investor or business owner, you likely have encountered the term “marginal cost” and wondered what it means. To find out, Bottom Line Personal turned to Eric Amzalag, CEO of Peak Financial Planning. What Is Marginal Cost? Every unit that a company produces or manufactures incurs material, labor and other costs. Marginal cost is how much money a company would have to pay to generate one additional unit beyond current production levels.
How to Calculate Your Discretionary Income
Discretionary income is an intuitive concept, but it is worth more than a passing thought. Understanding your discretionary income can help you align your thinking with your long-term financial goals. Bottom Line Personal asked Eric Amzalag, CEO of Peak Financial Planning, to help explain the concept and what it means to you… What is discretionary income? As the term suggests, discretionary income is the portion of your money over which you have control in terms of how it will be spent.
What Is Equity? And How Does It Work?
The term “equity” is used in different senses throughout the finance world, so you may be wondering, What is equity? Bottom Line Personal asked Eric Amzalag, CEO of Peak Financial Planning, for a definition of equity that sheds light on the many uses of the term. What Does Equity Mean? Broadly, the term “equity” refers to how much value you have in something that is at risk—a house, a car, a company.
Investment Terms You Should Know
Do you ever feel like Wall Street and the financial media are speaking an alien language? They love to use technical terms to describe what are relatively straightforward investing concepts. Problem: The terminology is intimidating and confusing, and that can compromise your investment decisions and cost you money. That’s why Bottom Line Personal asked top financial advisor Eric Amzalag, CFP, for an investment cheat sheet.
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