Legal Articles

Legalities Of Bitcoin And Other Cryptocurrency



Bitcoin and other cryptocurrencies are often lauded as innovative technology with a promising future. Decentralized and offering full transparency per transaction, some have welcomed cryptocurrency as a method of exchange, while others have openly criticized the fanfare that sometimes surrounds it. Regardless of personal opinions about the use of Bitcoin and other cryptocurrency, what are […]

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Four Curious Facts About Blue Sky Laws



Blue sky laws are state laws and regulations that are meant to protect potential investors from investing in securities–like bonds and stocks–that may be highly risky or even fraudulent. These blue sky laws have a colorful history dating back more than a century and today they are an important element in helping states crack down […]

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What Is the Difference Between Class A, B and C Mutual Fund Shares?



If you're new to the world of mutual fund investing, you might be surprised to learn that every modern mutual fund can be classified according to its so-called "share class." In the United States, there are three principal types of mutual fund share classes: A, B and C shares. As you look for attractive funds, […]

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Which Mutual Fund Has the Highest Return with the Lowest Risk?



As a retirement investor, you have a tremendous number of relatively safe, affordable and profitable vehicles at your disposal. For a variety of reasons, many folks in your position are drawn to mutual funds. As you may know, mutual funds are managed investment vehicles that hold diversified baskets of stocks, commodities and other financial products […]

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How Do Merrill Lynch Brokers Get Paid If Your Account Holds Mutual Funds?



As a mutual fund investor, your fund balances are subject to multiple fees. If you're retired or semi-retired and have plenty of time to research and manage your own investment portfolio, you may wish to avoid these fees by using a traditional brokerage account. These days, most brokerage companies offer a wide range of resources […]

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Can You Go Back to College If You Owe on Your Student Loan?



If you're like most folks, you chose to finance your education with a combination of out-of-pocket outlays and federally-backed student loans. Depending upon your institution's tuition costs, you may have accumulated a sizable load of student loans. In fact, your burden could be interfering with your post-graduation lifestyle. If your mounting interest and principal payments […]

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What Percent of My Portfolio Should I Put into Stock Mutual Funds and Bond Mutual Funds?



If you're investing for your retirement, you'll have to keep a close eye on your investments and periodically re-balance your portfolio in anticipation of market movements. Before you determine how to "weight" your portfolio, you'll need to lay out some practical investment goals. Many long-term investors use out-year benchmarks to gauge the performance of their […]

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Is My Money in Fidelity Investments Mutual Funds Fairly Safe?



If you're like most retirement investors, you've chosen to put a significant amount of your long-term savings into mutual funds, bonds and stocks. These three investment classes generally provide long-term investors with the best possible risk-reward balance. Over many years, these vehicles tend to appreciate at several times the rate of inflation and experience relatively […]

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Do I Have to Pay Taxes on Capital Gains If I Trade Stocks in the U.S.?



Compared to most other investment vehicles, stocks offer attractive returns over long periods of time. However, many individual stocks can be subject to punishing volatility and temporary losses during transient periods of market weakness. For inexperienced investors, such periods of volatility can create serious headaches. During major downturns like the financial crisis of 2008, many […]

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Can I Cash Out My Life Insurance Policy? What Is the Available Partial Surrender Amount?



If you're looking to protect your family in the event of your sudden death, you've probably thought about taking out a life insurance policy. However, the life insurance industry is incredibly complicated. With dozens of different types of policies on the market, it's difficult for the average life insurance consumer to make a rational purchasing […]

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Can an Average Person Make a Million Dollars by Investing in the Stock Market or Mutual Funds?



For most people, $1 million sounds like a lot of money. After all, the United States's median per capita income hovers between $40,000 and $45,000 per year. At that salary, it would take the average American over 20 years to earn $1 million. With living costs rising far faster than wages, it's unlikely that the […]

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How Long Do You Have to Use Capital Gains from a Property Sale to Invest in Another Property Before Paying Tax?



If you're like most homeowners, you might not be aware that the federal capital gains tax could apply to the sale of your home. Unlike regular income tax, capital gains tax is applied to the income that you earn as a result of the sale of a tangible asset like a stock or real estate […]

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What Else Can I Invest in Besides Stocks, Bonds, Money Market Funds and Mutual Funds?



If you're a novice investor who wishes to own a stake in a novel investment, be sure to conduct ample amounts of due diligence before proceeding. While it's natural to try to beat the market by investing in little-known assets, securities or synthetic derivatives, such investments often carry significant risks. In fact, many of the […]

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If You Lose Money in the Stock Market, Will It Lower Your Taxes at the End of the Year?



Whether you're an investing professional or a total market novice, the idea of losing money probably makes you uncomfortable. There's no shame in this fact. Folks who can stomach the idea of losing significant amounts of cash probably shouldn't be managing their own investments. It takes diligence, ambition and a competitive spirit to be successful […]

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Are There Any Tax Benefits to Reinvesting Your Dividends from Mutual Funds?



If you're heavily invested in mutual funds, chances are good that you've thought through the tax implications of your holdings. For instance, you're probably aware that long-term capital gains are taxed at lower rates than short-term capital gains. As such, it's almost certain that you hold your mutual fund investments for longer than a year […]

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Do You Pay Capital Gains on Mutual Funds Even if You Don’t Sell Any Funds?



Investing in mutual funds has plenty of advantages. For starters, mutual funds aren't self-directed investments. They're managed by competent and well-trained fund managers who command hefty salaries for their expertise. When you purchase a mutual fund, you can rest easy with the knowledge that your fund manager will work 50 or 60 hours per week […]

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Should I Invest My Money in a Savings Account, Mutual Funds or 401(k)?



If you're mulling whether to invest some of your hard-earned money, you'll need to take a moment to think about your short-term and long-term goals. Since you're a unique person, you'll need to craft a unique investment strategy that takes your specific needs into account. If you want to speed the process along and take […]

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Should I Use My Student Loan Money for Useless/Fun Stuff or Buy a House Out of Foreclosure?



As a college student, you have a tremendous opportunity to secure low-interest cash infusions. Most other people could only dream of having access to the wealth of high-quality, low-interest funding that students can tap. As the number and type of available student loans has grown in recent years, so too have the opportunities for young […]

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How Much Tax Do You Have to Pay on Dividends?



Depending upon the size and complexity of your investment portfolio, the stocks and mutual funds that you own may serve to complicate your year-end tax calculations. Figuring out your tax liability on your equity investments isn't simply a matter of adding up the amount by which your holdings increased or decreased in value during the […]

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How Long Can a Jail Hold You for a Felony Warrant from 7 Years Ago?



In the United States, the rights of accused criminals are protected by a number of rules, regulations and statutes. In addition, the U.S. Constitution informs the actions of the police departments and court systems that are responsible for processing and trying accused criminals. Certain crucial parts of the country's founding document establish the philosophical and […]

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