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2020

Forex

Scalping: A Quick Forex Strategy

In the world of forex, you can apply so many trading strategies that will help you profits from currencies’ movements. One such strategy is scalping.

What is Scalping?

Scalping is a strategy that lets you gain huge profits from multiple smaller gains. In a nutshell, it’s opening multiple positions and closing them all at the same time.

When you do scalping, you can place 10 to a few hundred trades in a single day. Your primary goal is to catch smaller moves in a currency pair’s price instead of going for the bigger ones.

With this strategy, you need to have a very strict exit strategy. That’s because you need to avoid the risk of losing all of your smaller gains to a huge loss.

Benefits and Risks

This strategy also sports its own inherent benefits and risks, just like any other strategies.

Benefits

One advantage of scalping is that you can make use you of many trading signals on very short timeframes.

Another good thing is that you avoid incurring overnight risks. Overnight risks refer to the probability of losing a trade by leaving it overnight and closing it the next day. This also means you can easily count your profits by the end of the day. A good night’s sleep also doesn’t sound half bad.

And if you worry that you don’t know a lot about fundamentals, don’t worry. You’re not going to use those. Fundamentals do no play huge roles when you’re using very short timeframes. The only thing you need to focus on is technical analysis.

Risks

On the flipside, when you have a huge number of trades, your transaction costs can easily pile up. It’s going to be a bit more expensive if you compare it to other longer-term trading strategies.

At the same time, you need to actively manage all the trades you open during the most liquid hours in the trading session.

Also, when you forget to check the news, you might end up getting caught in a roller coaster. Unexpected news can easily move the markets in directions you don’t favor.

Consider Your Personality

With those benefits and risks being said, scalping doesn’t sit well with everybody. As with any other trading strategies, this isn’t a one-size-fits-all strategy.

For you to become a good scalper, you need to have the patience for the risky process. You might have to sit in front of your computers for the whole session. You may not be able to scalp properly if you easily get distracted. Concentration is key in this strategy.

It goes without saying that you need to react quickly to changing market conditions. You need to be alert without overanalyzing your every move.

Overall, being a scalper takes a lot from the trader. With scalping, you take the risks of opening multiple trades at once in a very short timeframe. Then, if your calculations are correct, you can benefit from many small gains that can add up and turn out to be a huge profit for you.

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Finance

How can people easily use the products to make their fake money look fresh?

There are many people who have a specific source of income. They need to stay in that limit to meet their needs. Whenever they seek for luxuries or need to buy anything they desire, they need to wait for the savings to be collected. This makes them miserable.

Be more contended:

People who have higher salaries and handsome pay packages are found to be more satisfied and contended. People with lower salaries search for the ways they can get some extra cash in their pockets. People desire for the lifestyle changes and for this purpose they need some extra cash with them. Most people are seemed to be looking forward to buy counterfeit money. They need to buy this to get maximum benefits. They can get:

  • more pleasure and
  • contentment with the help of this forged money

Providing the best quality:

People can purchase the chemical solutions easily from these companies online. These companies provide their customers the best quality chemical solution. People can purchase and buy activation powder online for all sorts of black notices.

These companies have a team of experts who are specialists in this particular project. They sterilizethe customers’ notes and offer them with a brand new. They provide them with the fresh looking notes. These notes or are made to look new with the use of high technology machinery. People find these notes to be as fresh as the new ones provided by the banks.

There are many reasons why people go for these types of companies to purchase the fake notes. People choose these companies as their business is just the thing to be honest with their customers. These companies provide their customers with guaranteed healthy and productive use of their goods.

The ground-breaking technology:

These companies provide their clients with the special technology of getting their notes cleaned in a proper way. They help people in discoloring their black notes. The black coating from the notes can be easily removed through the use of an active carbon provided by these companies. People can conveniently use this product or the white powder at their homes as well. This gets stuck to the notes and takes out all the black color leaving behind the new and fresh notes. This product has an increasing demand globally. People prefer this product and search for the companies online to purchase from them. There are several companies who provide this product at a very reasonable rate.

The companies ensure that they utilize the top quality ingredients to make this specific product. They make sure it does not have any harmful effects on human health. People should also be careful while they think to buy these products. They should be cautious while looking forward towards its purchase. They should use this product very carefully and make sure this is monitored by the specialist in the best possible way. It will save them from future problems.

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News

The Resumebuild will help develop a resume that meets the requirements in search of trained personnel.

Nowadays technology allows us to innovate, Progress, and be More efficient in solving society’s needs. Currently, resume build platforms have enabled the person to progress in a simple, secure, and formal way about finishing a CV.

Thinking about the times that operate, it is important to have An updated curriculum consistent with how they are being developed and upgraded daily after day to highlight other existing digital systems. Most importantly, they are consistent with the companies’ growth and request that they have a job vacancy available.

As individuals, We’ll always find ourselves highly Competitive with individuals who apply for the identical job offered. That is why using a well-developed curriculum is likely to make a difference and allow it to be considered adequate.

A resume build will help you find a job

The Resumebuild will help create a resume that matches the Requirements demanded by any organization looking for trained personnel to get a position. These programs are publicly available. You just need to register in them and begin enjoying the different templates it has.

Using those platforms allows for getting more Complete resumes. The outcomes formed from this is a digital resume that is going to be in development concerning the job demands. These websites do not always guarantee superior services, therefore it is important to have as an ally, a stage that allows complying with what is requested.

The templates may creatively meet the needs of the candidates. Some can go in the commercial area’s management like other people destined to the industrial one, since there’s also a simpler one that may be used for simpler requests.

Together with resumebuild.com, any person worldwide with the Knowledge or a few basic skills in utilizing technological tools and programs can confidently use them. It makes it possible for you in an attractive and creative original way to invent a resume accommodated to the work fashion to which you are applying, adapted, and considering the user’s style and mindset.

With this tool, you may obtain positive outcomes, which Guarantee easy accessibility. This manner, unlike most that offer templates options, the same results are not obtained. Very few of them meet the users’ expectations and tastes. Just by accessing and following the steps, you’ll have endless options qualified for your benefit.

By using https://resumebuild.com, You will have the freedom to catch outstanding personal and work advice and report in detail the individual’s skills and abilities. This stage is curious so that the many important aspects of the resume are highlighted. Their presentations, generally speaking, help each candidate to improve their attributes as an expert.

They allow the file to be routed through distinct Compatible software, via email, and QR encoding. The scanning is the most advanced concerning updating, it is only necessary to send the code, and you will have the scan in your fingertips.

The applications’ alternatives allow a range from the Technological tools industry, starting from the imaginative aspects. Reaching this, based on simplicity, the necessary accessibility is obtained. It enables that all the information is obtained at the time of your inspection, and it is not just an annoying role that the interviewer for the vacancy is not interested in.

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Forex

Forex Trading Guidelines for Beginners 

Foreign exchange or Forex or FX is a buyer and seller network, where currency gets transferred between one another at an approved price. You can even consider it as currency conversion as you may have experienced traveling abroad. Currency exchange is done for logical reasons, but mostly to earn profits. Daily currency conversions of specific currencies cause extreme volatility in their prices. Volatility attracts worldwide traders with the hope to earn high profits, but their risks also increase.

How simple is Fx trading?

In theory, buying and holding a specific currency amount for some time until exchange rates fluctuate and selling it a profit sounds simple. In reality, it is a little complex. There are many variables you need to consider like contracts for differences, spread betting, deposits, offer prices, and margin options. You can open a Forex demo account on adss.com for free before committing live trade. You get to practice the different variables and options as well as understand trading strategies from the material available on ADSS.

How do currency markets function?

Forex trading is a direct exchange between the OTC market, which is operated by worldwide banks and spread across main trading centers of different time zone including NY, London, Tokyo, and Sydney]. It is not centralized, so you can gain access 24 hours daily.

  • Spot forex market
  • Forward forex market
  • Future forex market

Forex pair – Base vs. quote currency 

Forex pair list will include the base and quote currency, for example – EUR/USD. EUR is the first or base currency, while USD is the second or quote currency. Forex pair price means how much a base currency unit is worth the quote currency. Every currency has a 3-letter code, where the first two letters represent the country and the last symbolizes the currency itself.

EUR/USD = 1.0916/1.0918

One euro is more than one dollar. If you assume the base [euro] currency will possibly increase against dollar [quote] currency then buy this pair by going long. In case, you feel the base currency will weaken then sell this pair going short.

Fx pairs are categorized

  • Major pairs – EUR/USD, GBP/USD, AUD/USD, USD/JPY, USD/CAD, USD/CHF
  • Minor pairs – EUR/CHF, EUR/GBP, GBP/JPY
  • Exotics – USD/PLN, EUR/CZK, GBP/MXN
  • Regional pairs – AUD/NZD, EUR/NOK

Leveraged vs. unleveraged products

  • Leveraged products allow you to enter a position with a low percentage of the trade’s full value. Alternatively, unleveraged products mean you own the asset and so need to pay the full value.
  • In leveraged products, you trade on assumptions whether the assets price will rise or fall.
  • A leveraged product means huge profits as well as significant losses if your assumption is wrong.

Terminology and jargons

Spread – It is the difference between buying and selling prices of forex pair quoted. [Ask price minus the bid price is equal to spread]

A lot – Lots means trading large batches of currencies.

Margin – It describes the deposit to be made to open a leveraged position. Margin needs depend on the trade size and the broker.

Pip – It is a unit that measures the fx pair movement. It is usually in the fourth decimal place.

When you look for an online Forex trading platform ADSS is great! Remember, even if the bid-ask prices are small profits can significantly add up. If the trading volume is large, then a small spread even causes huge losses.

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Business

Kadocapital Review – Everything You Need to Know

Kadocapital is one of those crypto and financial trading and investing platforms that make things extremely easy for all users. With an international appeal (apart from United States clients), this platform encourages people of all ages and experience levels to start investing right now or to continue with their passion for trading. With lots and lots of useful features, a user-friendly interface, more than 800 cryptocurrency pairs and ICOs, forex, stocks, commodities, and an experienced support team to guide you every step of the way, Kadocapital might just be the answer to all of your questions regarding crypto trading.

Critical features

Here are some of the most important features that might make Kadocapital your best trading ally:

  • A user-friendly interface for its highly-advanced web-based platform;
  • The possibility to trade on the go using the mobile app;
  • Over 800 crypto pairs and ICOs;
  • The possibility to trade CFDs on Forex, Commodities, Indices, Shares & Crypto;
  • A regulated environment for your trading efforts;
  • An experienced team with over 25 years of experience in Fintech and Brokerage.

Support

Kadocapital is one of those trading platforms that offer clients all the help they need, regardless if they’re beginners or experienced traders. So, if you’re thinking of going for Kadocapital, you should know that their highly-experienced support team is available for you 24/6 via live chat, phone, or e-mail to answer all of your questions and guide you every step of the way. Moreover, regardless of what type of account you choose when starting your journey, you can benefit from a 1 on 1 training with a professional that will teach you the secrets of trading and investing.

Accounts

Setting up an account on Kadocapital is extremely easy and quick. Just fill in the blanks on the registration form with your correct data, choose a safe password, make the first deposit that should not be less than $250 (the platform recommends starting with a $1.000 deposit) using your credit card, debit card, or crypto, and begin your trading adventure!

There are six types of accounts that you can choose from on Kadocapital:

  • Basic – initial deposit of up to $2.499 and 5% crypto commissions;
  • Silver – initial deposit between $2.500 and $9.999 and 4% crypto commissions;
  • Gold – initial deposit between $10.000 and $74.999 and 3% crypto commissions;
  • Platinum – initial deposit between $75.000 and $149.999 and 2.5% crypto commissions;
  • VIP – initial deposit of $150.000 + and 1.5% crypto commissions;
  • Algo Fund – initial deposit of $ 10.000 + 3% crypto commissions.

Regardless of what account you choose, you will still get access to the latest trading and financial news, you will benefit from variable spreads from 0.1 pip, professional account leverage of 1:400, access to all trading platforms without restrictions, and online support via chat.

Resources

For those of you who are wondering about Kadocapital’s resources and what the platform can actually offer to its clients, you should know that things indeed look very good.

Here are just a few of the resources that you can access for quick and efficient trading:

  • Instant asset alerts;
  • Real-time trading view charts;
  • Support that’s available 24/6;
  • The possibility to make deposits directly from the platform;
  • The latest trading and financial news;
  • Free market research tools;
  • Market analytics and order types;
  • Advanced charting.

Offerings

When it comes to instrument offerings, Kadocapital definitely has a few aces up its sleeve. Besides the six different types of accounts which are optimized to fit your every need, and the over 800 crypto pairs and ICOs, the are numerous and include Forex, commodities, shares, indices, and, of course, cryptocurrencies.

It’s also worth mentioning that, on Kadocapital you can make deposits using fiat currency like USD, GBP, EUR, BTC, USDT, or ETH or USDT, Ethereum, or Bitcoin.

Knowing these details, you will no longer have to take a guess when trading on a platform and hope for the best. With Kadocapital you will get to choose the most suitable account for you that will prove efficient and you will also benefit from a dedicated support team that will help you at all times.

Trading platforms

The Kadocapital trading platform is web-based and suitable for both Mac and Windows users. It’s fast and has a user-friendly interface. Moreover, it will spare you the effort of downloading, installing, and setting up a platform. You will everything you need at the tip of your fingers because you can make deposits directly from it, you benefit from real-time trading view charts, instant asset alerts, and you have a support chat that’s live 24/6 just for you. Z`

The mobile trading app is also one of the most user-friendly and quick ones out there. Compatible with both iOS and Android operating systems and fully optimized for smartphones and tablets, the app only requires your full attention and a stable internet connection. It has a user-friendly interface that’s extremely fast and intuitive, safe, and also offers real-time loss and profit data as well as some interactive currency charts to always keep you informed.

Trust and regulation

For Kadocapital, their clients’ safety is the most important and this is precisely why the platform is fully transparent when it comes to how your data is processed and the potential risks that you may be exposed to when trading and investing. Their AML, CFT, and KYC policy as well as their Terms and Conditions are available in full on their official website for everyone to read.

The bottom line

Kadocapital is certainly one of those CFD trading platforms that likes to keep its clients up to date at all times and which is very transparent and honest concerning all of the involved risks of crypto trading and investing. As a regulated environment comprised of a professional and experienced team, Kadocapital promises to offer security to its clients as well as numerous benefits and features, including a support team, real-time financial updates, accounts that are suitable for your every need, and many other things. Kadocapital is a trustworthy trading platform that also has a lot of variety and can be sued by both experienced and not-so-experienced users.

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News

Why should you hire the Services of a Galveston Criminal Attorney? 

The criminal attorney would be your best bet for handling all kinds of criminal cases. He or she would have the required experience in handling all kinds of criminal cases without any hassles. The criminal case requires the experience and expertise of a criminal lawyer. Rest assured the criminal cases would be largely complicated for a layman to understand. Therefore, you would require the services of the best criminal lawyer in the region for handling your criminal cases. With a plethora of options at your behest, you may be spoilt for choice of options. However, with Galveston criminal attorney at your disposal, do not look any further. 

The criminal lawyer would be your best bet for all kinds of criminal cases in the region. It would be pertinent that you should not be complacent with your choice of criminal lawyer. The best criminal lawyer should be important for your case. The criminal cases are largely complicated for you to handle. The chances of receiving punishment would be higher without a proper representation. Only a criminal lawyer would be able to handle your specific needs without any hassles. They would have the experience in handling all kinds of criminal cases. The criminal cases should not be handled without an expert in the region. 

The criminal lawyer should be competent to handle the case without any problem. They would provide to your specific criminal cases handling needs with their experience in the arena. The expert in the region would handle the criminal case. Therefore, you should not be complacent with your choice of attorney. It would be in your best interest to look for the best available options in the region. They would provide to your specific needs without any hassles. The best option would be to hire a criminal lawyer willing to handle your case without burning a significant hole in your pocket. 

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Finance

Top Tips for Getting Out of Debt

When you are in debt, it can seem impossible to envision a future without money worries, but that doesn’t mean it is not possible.

Debt is a massive issue in the United States, with an estimated 80% of Americans being caught up in the cycle of borrowing and struggling with debt. The average person in the US currently has $38,000 of personal debt, that is without the additional mortgage debt that most households also have to pay off.

Fortunately, even if you feel that your situation is hopeless, there are always ways in which you can improve your finances and get out of debt for good. You just need to be able to see them.

From consolidating your debts to earning more money, keep reading to discover four top tips for getting and staying out of debt.

Be honest with yourself

Yes, it is easier to bury your head in the sand and pretend that everything is ok when it comes to your finances, but this is the worst possible decision you can make. Debt will not go away on its own. You need to be completely open and honest with yourself and your partner about your finances, and then you can start to find a way to move forward.

To achieve this, you will need:

  • Recent bill statements,including loans, credit cards,etc.
  • Credit reports
  • Your credit score – this will help you out with the next step

Consider debt consolidation

If you have many debts that you struggle to pay off each month, especially ones that are charging you a high rate of interest, you should look into loans for debt consolidation.

Just imagine how much easier, and less stressful your life would be if you only had one manageable loan repayment every month rather than multiple ones all coming out of your bank account on different days?

Further benefits of debt consolidation include:

  • Lower interest rate
  • Reduction in late fees
  • Debt repayment plan
  • Improve your credit rating
  • Eliminate debt collection calls

Pay more if you can

If you have a credit card or personal loan, you should not, unless you have no other choice, pay just the minimum payment each month. In fact, this is the easiest and fastest way to stay in the cycle of debt for longer. If you are already paying a high level of interest, chances are that with a minimum repayment, you are only paying the interest and not any of the actual debt itself.

Instead, work out what you can comfortably afford and pay that every month. The same applies to your mortgage, car loan, and any other debt you have, always pay as much as you can afford.

Earn more or spend less

This may seem obvious, but in the end, paying off debt fast comes down to two simple principles. You either need to find ways to earn more money, or you need to cut down on your expenses.

If you would prefer to earn more money, you could look into the possibility of getting a side hustle, or two. Alternatively, if you want to spend less, look at cutting out any unnecessary expenses such as memberships, eating out, or expensive clothes.

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News

What Aspects would Enhance your Chances of Winning an Injury Claim 

When you consider looking for the best attorney in the region, you should invest in Johnston Law Firm, P.C. The attorney would help you cater to your specific needs without burning a significant hole in your pocket. The attorney would work in your best interest to seek the deserved compensation from the insurance company lawyers. The injury attorney is your salvation for achieving a fair compensation. Therefore, you should not be complacent with your choice of injury attorney. It would be pertinent to mention here that you should choose the best available option in the region for your claim handling needs. 

The attorney handling your claim should be experienced in handling all kinds of injury claims. If you come across an attorney dealing specifically in the injuries that you have suffered, consider it a boon for the claim. The attorney would have adequate experience in handling similar cases throughout his or her career. It would enhance your chances of success against the insurance company lawyers bent upon saving every penny of their client they could save. Therefore, it would be in your best interest to consider an experienced attorney rather than investing in a cheap novice attorney or delving in your DIY stint. 

It would not do you any good or the chances of winning a fair compensation claim. You should consider looking forward to meeting your specific requirements by hiring the best available attorney in the region for your injury claim handling needs. The injury claim would be a security to your future. It would be pertinent that you should not be complacent in your choice of attorney for handling your claim. The attorney should work in your best bet for handling all kinds of claims. The attorney should be prudent in handling your claim by designing a suitable strategy to win the claim against the insurance company lawyers. 

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News

Compare the Potential Contingency Injury Attorneys for Hiring the Best for your Claim

With numerous options that you may come across online for hiring the best personal injury attorney near you, consider looking for the best available option near you. You should emphasize on the need to hire the services of a local injury attorney. The local injury attorney has to offer several benefits to your claim. It would be pertinent to mention here that without the assistance of a local injury attorney, your chances of winning the claim would be significantly lower. The injury attorney would be required to handle your specific claim in the best possible way. It would be in your best interest to look for the attorney willing to handle your claim on a contingency basis. 

The question to ponder upon would be how to choose the best contingency attorney for your claim handling needs. It would not be a daunting task, as numerous options are made available in the region. It would not be a daunting task going through the several available options near you. However, it may be a tedious task for most people. A good strategy would be to look for specific kinds of attorneys handling your respective injury claims. It would shortlist the number of options in the region. If you could find a specialist in the region, consider scheduling an initial consultation with the attorney. It would help you seek the deserved claim in the best possible way. 

When you schedule an initial consultation with the potential injury attorney, consider asking him or her about the number of cases they have handled in the past along with the outcomes. If the injury attorney is popular for settling the claim through negotiations, look for another available option. It would not be worth spending your time and effort on the attorney. However, the injury attorney having a reputation of taking the claim to the court of law would be a better option. Chances of winning a fair compensation would be higher with the injury attorney taking the claim to the court of law. 

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Investment

Tax-Efficient Investing 101: Making the Most of Your Rate of Return

Sound tax planning strategies should be a consideration when it comes to your investments. But with record-low interest rates today, the opportunity to improve your rate of return by a mere few percentage points because of tax-informed investment decisions could be significant. This is particularly the case if you are in a higher marginal income tax bracket.

Below are some strategies to consider as you aim to improve your after-tax rates of return on your investments over time:

Target Long-Term Capital Gains

Under today’s tax rules, there can be a significant difference in the tax implications of selling investments over a shorter versus longer time period.

For short-term investments held for one year or less, you pay tax on any profits from the sale of an asset at your marginal income tax rate. In contrast, you can use a potentially much lower long-term capital gains rate to tax the profits on that same asset sale by holding the asset for at least one year.

Here is a simple example of the potential advantage of qualifying for long-term capital gains tax treatment: A married couple with a combined annual income of $450,000 would fall into a 35% marginal income tax bracket, under today’s tax rules. However, at their current level of income, they pay for long-term capital gains at only a 15% tax rate. As a result, the couple can potentially earn an implied 20% additional return on their investment gains simply by holding an appreciated asset for at least one year in order to qualify for the long-term capital gains rate.

Take Advantage of Tax-Deferred Accounts

Contributions to your employer’s 401k remains a great tool for both tax-deferred growth of your investments and a tax shield of your income.

Currently, you can contribute up to $19,500 per year (or $26,000 if over 50 years old) to a 401k plan, which will reduce your taxable income dollar-for-dollar. Any investment returns you earn in the account grow free of tax until withdrawn.

But you do not have to work for someone else to own and benefit from 401k income tax deductions and deferrals. In fact, if you are self-employed with no employees, the appropriately named Individual 401k plan can also offer you a valuable tax shield on your current income as an entrepreneur or consultant.

For example, you can make salary deferral contributions up to the same limits mentioned above on an employer-sponsored 401k plans (or up to 100% of your business income, whichever is less). In addition to these salary deferral contributions, you can also make profit-sharing contributions of up to 25% of compensation, assuming your business generates sufficient profits during the year. As a result, you could potentially shield up to $57,000 ($63,500 if over 50 years old) of your business profits in 2020 using an Individual 401k[1]. There is also no tax on your investment gains from assets held in an Individual 401k until you make withdrawals from the account later in life.

Finally, do not discount the value of tried-and-true Individual Retirement Accounts (IRAs). Currently, individuals can contribute up to $6,000 per year ($7,000 if over 50) into IRA accounts. You can contribute to a Traditional IRA and benefit from tax-deferred growth on investment gains until you make withdrawals (income limitations apply when determining the deductibility of the contribution). Roth IRAs offer tax-free (i.e., not deferred) withdrawals on gains. You can only contribute to a Roth IRA if your modified adjusted gross income is under $206,000 for married couples and $139,000 for single filers[2], which can make Roths a better contribution option for years when your income may be below these thresholds.

Municipal Bonds Are Still Valuable

People in the highest income tax brackets can still benefit from owning municipal bonds, even in today’s low interest rate environment.

For example, $1 million invested in income-producing assets yielding 1% annually would generate $10,000 of taxable investment income. If invested in tax-free municipal bonds, however, that $10,000 would not be subject to federal income tax (and sometimes is state tax-free as well). If you are in the highest income tax bracket, you could potentially lose $3,700 of that $10,000 investment income to income taxes without the benefit of tax-free municipal bond income. For high earners especially, municipal bonds still potentially offer a much more favorable after-tax rate of return on investment.

Create a Donor-Advised Fund

Changes to the tax law have impacted some people’s ability to benefit fully from charitable contributions. Another option to consider is using a Donor-Advised Fund, where you can make larger charitable contributions, receive an immediate and up-front tax deduction, and then set up the fund to make regular grants to charities in the future. With a Donor-Advised Fund, you can contribute a variety of appreciated assets to the Fund, which allows you to avoid paying taxes on any accumulated gains on those assets. This can be a significant tax savings.

It Is Not Just About Taxes (But Avoiding Tax Certainly Helps)

At Modera Wealth Management LLC, we believe individual investment decisions should not necessarily be made solely for tax reasons. However, a sound investment plan should factor in the implications of taxes where possible, which can optimize your rate of return over time. We can customize and develop investment strategies for you with an eye on minimizing taxes both now and in the future to help maximize your after-tax returns. Contact your Modera Wealth Manager to further discuss some of the options discussed in this article, or to explore other opportunities to improve your returns on investment through income tax management strategies.

Information sourced from an article by Bradley Hilton from Modera Financial Advisors in Atlanta, GA.

Modera Wealth Management., LLC (“Modera”) is an SEC-registered investment advisor with places of business in Massachusetts, New Jersey, North Carolina, Georgia and Florida. SEC registration does not imply any level of skill or training. Modera may only transact business in those states in which it is registered or qualifies for an exemption or exclusion from registration requirements. SEC registration does not imply any level of skill or training.  For information pertaining to our registration status, fees and services, please contact us or refer to the Investment Adviser Public Disclosure web site (www.adviserinfo.sec.gov) to obtain a copy of our disclosure statement set forth in Form ADV Part 2A. Please read the disclosure statement carefully before you invest or send money.

This article is limited to the dissemination of general information about Modera’s investment advisory and financial planning services that is not suitable for everyone. Nothing herein should be interpreted or construed as investment advice nor as legal, tax or accounting advice nor as personalized financial planning, tax planning or wealth management advice. For legal, tax and accounting-related matters, we recommend you seek the advice of a qualified attorney or accountant. This article is not a substitute for personalized investment or financial planning from Modera. There is no guarantee that the views and opinions expressed herein will come to pass, and the information herein should not be considered a solicitation to engage in a particular investment or financial planning strategy. The statements and opinions expressed in this article are subject to change without notice based on changes in the law and other conditions.

[1]  https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-401k-and-profit-sharing-plan-contribution-limits

[2] https://www.irs.gov/retirement-plans/plan-participant-employee/amount-of-roth-ira-contributions-that-you-can-make-for-2020

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