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Articles by Matt Danielsson
5 Transamerica Mutual Funds to Consider
Transamerica, a well-recognized name in the investment world, offers five among its 224 mutual funds that stand out for investors seeking a diversified and durable nest egg. The five funds, which have holdings ranging from municipal bond funds to emerging market debts, offer a choice of different investment strategies suitable for weathering different economic conditions.
9 Jump Rope Tricks For Beginners Through Advanced
Jumping rope can be a great cardio challenge. The activity not only boosts heart health but also improves coordination and supports a healthy metabolism. But you'll want to start slowly if you're new to the sport and learn basic skills first. Once you've mastered standard jump rope skills, you may be ready to add in some stylized movements.
Running Clothes for Beginners: Essential Gear and Accessories
While running isn't considered a particularly expensive sport, there is no shortage of running apparel, shoes, gear, and training equipment available for purchase. If you're new to the sport, it can be overwhelming to sort through all of the choices to figure out what you need. In fact, many of the products are designed for advanced runners who participate in specialized workouts. But there is no reason to break the bank in the early stages of your running program.
Beginner Running Plan: Simple 8-Week Program
If you've decided to take up running, it's important to find a schedule designed specifically for your level of experience. There are countless plans designed for experienced runners, but those can feel overwhelming if the sport is new to you. A true running plan for beginners will guide you through the process of improving endurance, evaluating your stride, and finding your perfect pace. This beginning running schedule lasts for eight weeks and the only pre-requisite is that you know how to walk.
Guide to the Solanum Flower & Its Many Types
Solanum flowers, also known as nightshade flowers, are easy to grow, bloom profusely, and are also deer-resistant. There are a few things to keep in mind when growing these toxic plants, however. Solanum Flowers Solanum flowers are relatives of several well-known vegetable garden plants, including potatoes, tomatoes, bell peppers, and eggplants. They're all considered part of the nightshade family, and, though this is a very diverse family of plants, they do have a few things in common.
Why Financial Advisors Sell Life Insurance
Some clients view financial advisors who sell life insurance with a certain suspicion. After all, a financial advisor is supposed to be the untouchable fiduciary working solely on the client's behalf. For some, it might seem incompatible to have an advisor who also sells life insurance. However, the truth is most financial advisors wear multiple hats, and a life insurance policy has a part in almost any serious financial plan.
Financial Planner: Career Path & Qualifications
What Is the Career Path for a Financial Planner? Financial planning is consistently ranked as a profession with significant earnings potential, low stress, and excellent future job growth. The Department of Labor believes that job growth for financial planners or personal financial advisors will be at a rate of 7% through 2028, higher than the average for all occupations.
Investment Analyst: Job Description & Average Salary
It is the investment analyst's job to make sure all the facts are in place when investment decisions are made. The job is demanding, requiring long hours and frequent travel, but the pay and benefits are good. A majority of current analysts report high job satisfaction. It is also a field with projected high growth in the years ahead, making it an attractive career path for young, motivated people.
How the Gap Credit Card Works: Benefits & Rewards
Clothing chain and perennial mall staple the Gap, Inc. (NYSE: GPS) launched its retail credit card in 2007. The card offers numerous perks and rewards for frequent customers, but there are some downsides and caveats of which potential users should be aware. It's chief competitors with credit cards are Lane Bryant and Victoria's Secret.
The GameStop Credit Card: Benefits and Rewards
Many stores offer perk-filled credit cards, but GameStop Corp. (GME)) was the first retailer in the gaming-only niche to do so. The initial reaction from the intended customer base was mixed. The original advertising that "everyone is approved" made some in the gaming community fear that GameStop was trying to lure kids into a debt trap, and the relatively high annual percentage rates (APR) also drew complaints.
How the J. C. Penney Credit Card Works: Benefits & Rewards
Like most large department store chains, the J. C. Penney Company Inc. (JCP) offers a perk-filled retail credit card, both at the checkout counter and on its website. Frequent shoppers may find the J. C. Penney credit card quite rewarding, but it is not without its downsides and important caveats. How Does it Work The J. C. Penney credit card is a traditional store-only card with no Visa, MasterCard or other affiliation. Purchases can only be made in physical J. C. Penney stores, its website and J. C.
Investing $100 a Month in Stocks for 20 Years
With a 20-year investment perspective, you are considered to be a long-term investor. Put your money in the stock market, directly or through mutual funds containing stocks; the value of your investment may fluctuate, but over a longer time span, your average return is higher than what safer options can offer.
Fidelity Vs. Vanguard: Comparing 401(k) Providers
Fidelity and Vanguard are among the largest fund companies in the world, and both offer 401(k) plans as parts of their services. Since 401(k) plans operate under the same tax laws and regulations, there are three main areas of comparison: the companies themselves, the funds offered and provider features. Company Structure Vanguard is owned by the clients who invest in its funds; it is similar to a customer-owned credit union in that regard.
Gillette vs. Harry's vs. Dollar Shave Club
Gillette vs. Harry's vs. Dollar Shave Club: An Overview Gillette, Harry's and Dollar Shave Club are engaged in a fierce battle over the market for subscriptions and home delivery of shaving products. The customer benefits of such clubs are convenience and discounts compared to individually purchased products in stores, making it an attractive proposition for many men. Each company offers different types of memberships/product subscriptions. This article examines the offerings of each company.
Does Dental Insurance Cover Dentures?
Most full dental insurance policies include some restorative coverage, usually meaning that up to 50% of the cost of dentures is covered. Regular deductibles and co-pays still apply, so the actual cost to the patient is always a substantial amount. What Does Dental Insurance Typically Cover? Dental insurance has a typical annual maximum coverage cap amounting to a median of $1,500. It covers procedures strictly related to health and wellness, and it has a three-tier structure known as 100-80-50.
When Do Checks Expire?
Misplacing a check is easily done. The difficult part is figuring out what to do once it resurfaces months, or even years, later. Legally, banks are only required to honor checks for six months. Beyond that, it is up to the bank's discretion, which may include contacting the account holder for approval. The bank can also simply bounce the check without even trying to reach out, and that means the depositor may get hit with a "deposit item returned" fee that can be up to $30 or more.
Top 5 Transamerica Funds
Retirees looking for dependable income during their golden years can no longer rely on money market funds and certificates of deposit (CDs) since the interest rate is too low to make them a viable primary savings instrument for retirement. Instead, a key to combating increasing costs of living is the smart diversification of funds. Transamerica offers a lineup of 228 funds as of 2022. These five funds can create a well-diversified nest egg that will last you throughout retirement.
Comprehensive Guide to Land Loans: What You Must Know to Secure Financing
What Is a Land Loan? A land loan, sometimes called a lot loan, is a type of financing used to purchase a plot of land, often the first step toward building a home, starting a farm, or investing in real estate. Unlike traditional mortgages, land loans can be more complex, with stricter lender requirements such as land surveys, zoning checks, and higher down payments.
Target-Date Funds vs. S&P 500 Indexing
Target-Date Funds vs. S&P 500 Indexing: An Overview Target-date funds have become very popular in 401(k) retirement plans largely due to their convenience. At first blush, they may seem like an obvious choice for most workers; however, they come with certain drawbacks compared to S&P 500 Index funds.
How do mutual fund expense ratios affect returns?
Mutual fund expense ratios affect returns a great deal. An expense ratio shows how much money is being spent on administrative costs compared to how much is being invested. So the higher the expense ratio, the more money is being siphoned off in fees instead of ending up in your pocket. The U.S. Securities and Exchange Commission (SEC) has issued an official bulletin to raise awareness of the full impact of high fees.
How Financial Advisors Can Help With Debt
If you’re struggling to get a handle on your debt, a financial advisor can help you prioritize your payments and establish a budget. Financial advisors can also provide other services like investment advice, income tax preparation, and estate planning. A financial advisor can help prioritize debt payments, typically paying off high-interest debts first. Ensuring your advisor has a Certified Financial Planner (CFP) designation is important.
What Internal Auditors Do - And How Much They Make
An internal auditing position within a company is a vital part of a company's infrastructure to help ensure smooth operations and compliance with laws and regulations. As of 2021 (the most recent figures available from PayScale), the job market for internal auditors continues to flourish with healthy demand for the profession, making internal auditing an attractive career choice for those with a natural inclination toward math.1 What Does an Internal Auditor Do?
12 Habits to Get You There
Financial freedom-having enough savings, investments, and cash on hand to afford the lifestyle you want for yourself and your family- is an important goal for many people. It also means growing a nest egg that will allow you to retire or pursue any career you want-without being driven by the need to earn a certain amount each year. Unfortunately, too many people fall far short of financial freedom.
Can a 401(k) Be Used for a House Down Payment?
The funds in your 401(k) retirement plan can be tapped for a down payment for a home. You can either withdraw or borrow money from your 401(k). Each option has major drawbacks that could outweigh the benefits. Key Takeaways You can withdraw funds or borrow from your 401(k) to use as a down payment on a home. Choosing either route has major drawbacks, such as an early withdrawal penalty and losing out on tax advantages and investment growth.
Are Your 401(k) Contributions Tax-Deductible?
Key Takeaways Traditional 401(k) contributions reduce taxable income as they are made with pre-tax dollars. Roth 401(k) contributions are made post-tax and cannot be deducted from taxes. Employers include 401(k) contributions in W-2 reporting, no manual tracking needed. Contribution limits and catch-up amounts adjust annually for inflation. The saver’s credit may be available based on income and other criteria. Contributions to traditional and Roth 401(k)s are not tax-deductible.
3 Reasons to Develop an Employee Handbook for Your Small Business
There are many good reasons to establish a comprehensive employee handbook. First off, there is the legal aspect, where it provides certain protection in case something goes wrong. Second, it's an easy way to ascertain compliance with certain labor laws and regulations. Finally, it helps steer employees towards proper behavior and gives them a frame of reference when you aren't present.
Should You Hire Contractors or Employees for Your Small Business?
Getting help from independent contractors or hiring regular employees is an important decision for a small business owner, as each option carries distinct sets of pros and cons. The greatest advantage of hiring contractors to pitch in is that they run their own businesses. There is no hassle with benefits, tax withholding, overtime or pretty much any obligation beyond paying the invoice for their services. A company with great fluctuations in workload can get help for a few weeks when needed.
7 Retirement Activities That Are Affordable
Entering retirement is a dramatic shift in lifestyle. On one hand, there is suddenly plenty of time for those hobbies and activities that were postponed in favor of work. On the other hand, fixed income and prudent care for the nest egg require a new kind of budgetary discipline. Fortunately, there are plenty of fun and inexpensive retirement activities. Few things are as fulfilling and stimulating as doing good deeds around the local community.
Beginner's Bodybuilding Program: A Step By Step Introduction To The Iron Game!
So, you want to pack on some serious mass and carve out those abs? Here's a step-by-step introduction to the iron game that will get you started on the right foot. Don't expect overnight miracles—building a body takes time, focus and consistency. The good news is that the first 6-12 months is the time when you will probably make the most dramatic gains.
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