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Emoji Finance Friday©: Rollover IRA

1. You pull a Beyoncé and say job “bye” 2. Soon you get a call from HR 3. Asking what you want to do with your 401K 4. You don’t know and think about it 5. You talk to your financial adviser who gives you an idea 6. To do something called a “rollover” 7. You take your 401K money and “roll” it over directly into an IRA account without paying any penalties #loophole 8. You feel blessed because you have...

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Emoji Finance Friday©: Market Efficiency

1. You hear some news come out about a company on the market 2. You tell your news to your friend, who in return, tells more people 3. Researchers look into the company and they start to notice the price swaying based on the news 4. Finally, you realize that all the information available to you is having a direct effect on the market price 5. And the stock price goes up and down based on the news out...

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Emoji Finance Friday©: Roth IRA

Let us break this down 1. You work for yourself, you are a coder, an artist, a dancer, or maybe even a hairstylist 2. You start an IRA portfolio, specifically a Roth IRA 3. Time passes 4. You get older 5. You take money out of your IRA 6. That has grown to become cash bags 7. Pull the money out without paying any TAXES! #takethatunclesam Now let us piece this together; You freelance as a coder/dancer...

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Emoji Finance Friday©: Dividend Reinvestment Plan

Let us break this down 1. You buy a stock 2. Some time passes 3. Your stock yields cash dividends 4. You decide to drip that money over 5. And purchase more of the same stock with the dividends Now let us piece this together; first you buy a stock like IBM, some time passes and IBM yields its yearly cash dividends! Now instead of taking the cash out of the market you decided to “drip” the money over...

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Emoji Finance Friday©: Market Correction

1. Bull market is up 2. Keeps going up and up 3. As everyone buys 4. Soon the roller coaster starts 5. The bear market shows signs of starting 6. Everyone sells off 7. Soon this will all level out 8. This all equals a market correction Let us piece this together Everything in the market is up, There has been a strong bull market, but all of a sudden the roller coaster starts and the bear market creeps...

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Emoji Finance Friday©:Compound Interest

Let us break this down 1. You add money to your investments with 5% annual return 2. Add more money 3. Now you give it some time 4. And soon the 5% starts to multiply every year 5. More years go by and you add 5% on 5% 6. All equals Compound Interest #moneyface Now let us put this together, you smart little Emoji you have saved a ton of money and are ready to invest it, now you add money to your investment...

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Emoji Finance Friday©: Ripple

1. You need send money across the globe 2. So you go to your bank 3. Your bank then takes your money and converts 4. To the “ripple” currency 5. This transaction is the encrypted and sent through peer to peer network called blockchain 6. All being tracked on a ledger by trusted sources 7. Within seconds your money reaches another financial bank across the globe 8. They take the ripple and convert it...

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2017 Financial Year In Review

2017 was the year of hope, the year of compassion. We as a world experienced natural disaster from hurricanes in Florida to fires in California. We reached out to help one another in times of crisis, to come together as one and choose not to be separated. We lost legends like Tom Petty, Roger Moore, and Chris Cornell. The entertainment world was filled with shockers like Taylor Swift dropping her new...

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Emoji Finance Friday: Trickle Down Economics

Let us break this down 1. United States Government writes new investment tax laws 2. That gives money to the wealthy 3. Who in “theory” use the extra money to expand their business 4. Which “trickles” down to create jobs 5. Which gives more money to the “working” middle class Update: The New GOP TAX bill has passed the house and the Senate and included the idea of trickle-down by cutting the corporate...

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Are your taxes going up or down?

Well, they did it, the Republicans have finally passed their tax bill and they are promising big tax breaks for all. But is this true? We know this can be confusing with all the news media rushing to get information out there and showing you the tax brackets. But here at Orca, we believe in minimalism, so we broke this down in the simplest form, we also wanted to touch on the changes that affect our...

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Emoji Finance Friday©: Tax Deductions

1. You start your own company and get a business credit card 2. You start buying things you need for work 3. Like an iPhone a car meals with clients 4. You also buy a house and get a mortgage on it 5. You think about all you’ve bought this year, saved for retirement and given to charity 6. You talk to a professional 7. Who gives you the idea that you can subtract expenses from your AGI 8. Soon this...

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Emoji Finance Friday©: Bubble

1. Your money keeps going up 2. The overall market is going up 3. But there is no fundamental reason 4. You think about it for a second 5. Don’t question it too much because you have money eyes 6. Pop some champagne #livinglikearockstar 7. But soon no one could predict it bursts 8. The market starts to go down 9. You are scared and angry 10. This all equals a bubble Let's piece this together Your money...