A Roth IRA is a special type of retirement account that offers a unique tax advantage. While you don't get a tax deduction for your contributions to a Roth IRA as you do for a traditional one (with a Roth, your contributions were already taxed as income), like a traditional IRA, the account's investment earnings are tax-free. But best of all, when you take withdrawals from a Roth IRA, they're tax-free from federal and usually state income taxes.
In a few months, this year's college grads will face a new challenge: when and how to begin paying back their college loans. They're joining a ever-growing group of more than 44 million borrowers who owe over $1.4 trillion in student loan debt. About two-thirds of students borrow to pay for college, and 2016's grads on average owe about $37,172 in student debt. The main reason students believe it makes sense to go into debt is that a college education can increase your lifetime earnings potential.
Did you ever need money and think about taking a loan or withdrawal from your 401(k) account -- but aren't sure how to do so or if it's ever a wise move? You've got lots of company. Representatives who take calls for retirement plans say withdrawal and loan requests and related questions consume the biggest portion of their time. But what it all boils down to when figuring if this is a good idea depends on what you'll do with the money.
Muck Rack makes it simple to find people, tweets, or articles that mention any name, keyword, company, hashtag etc. We've compiled this guide to help you make the most of your search.
Selecting a term
Start searching tweets, articles from media outlets, articles mentioned in tweets, journalists'
names, titles and bios with some suggested searches:
Companies or Topics (e.g. iPhone, Microsoft)
Phrases (e.g. "cloud computing") — use quotes to keep the terms together
Twitter handles (e.g. @username) — returns those who have mentioned or replied to
Names (e.g. "David Pogue")
Hashtags (e.g. #sxsw, #london2012)
Bio details (e.g. vegan, Olympics, father)
Muck Rack's Advanced Search allows for many boolean operators.
Find results that mention multiple specified terms, use AND or
+. For example, ensure each result contains both Elon Musk and Mark Zuckerberg by
searching Obama AND Romney or Obama + Romney.
Use the operators OR or , to broaden your search when you'd like either of
multiple terms to appear in results. (This is the default behavior of our search when no operators
are used.) For example, search for democrat OR republican to find results that refer to
Democrats and/or Republicans.
Use NOT or - to subtract results from your search. For
example, searching Disney will yield results about the Walt Disney Company as well as Walt Disney
World Resort. To exclude mentions of Disney World, search for Disney -World or Disney
When using one of these operators with a phrase, enclose it in quotation marks. For example, you can
find results about smartphones excluding Apple's iPhone 4S by searching smartphone -"iPhone
Exact case matching or punctuation
If you're searching for a brand name or keyword that relies on specific punctuation marks or capitalization, you can
find results that match your exact query by adding matchcase: before the keyword you're searching for, like matchcase:E*TRADE .
Use parentheses to separate multiple
boolean phrases. For example, to find journalists talking about having fun in Disney World or
Disneyland, search for ("disney world" OR disneyland) AND fun.
An asterisk can be used to search for any variation of a root word truncated by the asterisk. For example, searching for admin* will return results for administrator, administration, administer, administered, etc.
A near operator is an AND operator where you can control the distance between the words. You can vary the distance the near operation uses by adding a forward slash and number (between 0-99) such as strawberries NEAR/10 "whipped cream", which means the strawberries must exist within 10 words of "whipped cream".