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Emoji Finance Friday©: Emerging Markets

1. You travel internationally 2. You like what you see in their economy 3. You start thinking how you can “invest” into their economy 4. You look into investing in “emerging markets” 5. You invest and realize how up and down the market is 6. You realize that this is a great diversification of your portfolio Let us break this down, you decide to travel internationally and have a blast, now you want...

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Emoji Finance Friday© Acquisition: Whole Foods and Amazon

1. Two companies get together to talk 2. Company A makes an offer 3. The offer is thought about by Company B 4. Then agreed upon in a handshake deal 5. Company A acquires Company B by buying their stock at a set value 6. Stock shoots up 7. Company B gets bought out and is seeing money #moneyface Let us piece this together So first two companies get together to talk, let us stay current and talk about...

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Emoji Finance Friday©: Capital Gains Tax

Let us break this down: 1. You buy 100 shares of a stock 2. Stock takes off and appreciates 3. After some time you sell the stock 4. The US Government arrives 5. Takes a share of your profits 6. Equals Capital Gains Tax Now, lets piece it together: first, you buy 100 shares of a stock and it makes a profit for you over some time, later, you sell the stock and the US Government comes in and takes a...

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Emoji Finance Friday©:Bitcoin

Let us break this down 1. You have an idea to get into cryptocurrency 2. You get on your computer 3. Get a unique private key 4. Start mining for Bitcoins 5. On something called the “Blockchain” 6. Your mining was successful 7. Soon you receive coins 8. This all equals Bitcoins Now let us piece this together. You have been hearing all about this crypto-currency business and are interested in owning...

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Emoji Finance Friday©: IPO

Let us break this down 1. An Idea is born 2. Company starts in a garage 3. Becomes a bigger company 4. Files proper documents with a bank and SEC 5. Raises money 6. Chooses a date 7. Rings the bell 8. All equals an IPO Now, let us piece this together, you think of an idea one day and run with it, now you start this company in your garage and slowly it grows, from you and a couple buddies to actual...

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Warren Buffett Alert: Warren and IBM Breakup

The Honeymoon phase for Warren and IBM* has come to an end. Buffet made headlines again last week as he sold a third of his stake in IBM. Buffett previously owned approximately 80 million shares and now only owns approximately 50 million shares, holy batman that is a lot of shares! And IBM’s stock went tumbling moments after this happened. But why? *Disclaimer: I worked for IBM from 2013 to 2015. This...

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Emoji Finance Friday ©: Employee Stock Options

Let us break this down 1. You graduate from college 2. Get ready for your first day of work in the city 3. Sign your new contract 4. That includes 100 stock options 5. They are not vested yet (locked) 6. After some time they become vested (unlocked) 7. You feel blessed because those options are now yours #wayup 8. You have come into some money #moneyface Now, let us piece it together; first, you graduate...

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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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Trump Alert: The Good, The Bad, and The Ugly of the 2017 Tax Reform

The time has finally come for the Trump administration to release their proposal for the much-anticipated Tax plan. This was a major focal point of the Trump campaign of “Making America Great Again”. His voter base of middle America wanted to believe he was going really shake things up and improve upon our system. But has he? well, that is up to you to decide! We here at Orca went to the depths of...

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Emoji Finance Friday©: Dollar Cost Average

1. You invest a large sum of money 2. And decided to buy one certain stock 3. You talk to your adviser who has an idea 4. To split the money up over 5 months 5. Getting an average price of the stock 6. Your adviser explains that soon you may have more shares than if you bought all the shares at once 7. You think about this… 8. You buy into what your adviser says 9. #Moneyface because I mean mo shares...

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Emoji Finance Friday©: Bonds

Let us break this down 1. You decided to invest some money in a bond 2. You get a “certificate” claiming you have a bond 3. This bond “yields” fixed interest rate of 7% every year #bondgoals 4. You receive money from the bond every year 5. The bond has a maturity rate of 10 years 6. At the end of the 10 years the bond reaches maturity Now let us piece this together, you decided to invest some money...

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Emoji Finance Friday©: Annuities

1. You Invest money 2. Choose an Annuity (box) 3. You are confused and think what options to choose 4. You pick a few funds in the Annuity 5. Time passes and you gain value 6. Gains are tax deferred 7. You grow old and at 59 1/2 you take money out 8. Money is taxed in LIFO manner Now let us piece this together, You want some alternative to retirement accounts and look into an Annuity, now you decided...