Sheyna Steiner
Bankrate.com
Florida, United States
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Past articles by Sheyna:
10 Commandments Of Retirement Planning
Follow these guidelines to arrive in the retirement promised land flush with cash. → Read More
Penalty-Free 401(k), IRA Withdrawals
In certain hardship situations, the IRS lets you take withdrawals before age 59 1/2 without a penalty. Find out more about penalty-free 401k withdrawals at Bankrate.com. → Read More
10 Strategies For CD Savers
In the great yield drought, what tips can CD savers follow? Bankrate offers 10 CD strategies. → Read More
IRA Accounts For Beginners: Everything You Need To Know
Are you a newbie when it comes to IRA accounts? Learn the basics, like who can open an IRA, when to do so, where to get one and what to invest in. → Read More
7 Retirement Investing Mistakes
Avoid these major investing missteps to reach your retirement goals. → Read More
Are You Making One of These Common IRA Mistakes?
Caiaimage/Getty Images Opening an IRA is easy, but navigating your account's rules and regulations can be complex -- and potentially costly. To help you avoid mistakes, we go over some doozies here. But the biggest mistake you can make with IRAs is not contributing to one at all. "If you don't put anything in, you won't have anything at the end," says IRA expert Ed Slott, president of Ed Slott… → Read More
What Is the Roth IRA 5 Year Rule?
Tetra Images/Getty Images The cinema provides movie goers with certain tenets to live by. From Gremlins: "Don't feed Mogwai after midnight." From Ghostbusters, "Don't cross the streams." And definitely, "Don't talk about Fight Club." These are the rules and everyone knows them. One rule that may be less well known is the 5-year rule for Roth IRAs. Breaking this rule won't turn your adorable pet… → Read More
How To Determine the Risk Capacity Of Your IRA Accounts
investing Your age should determine the risk capacity of your IRA accounts By Sheyna Steiner • Bankrate.com Matteo Colombo/Getty Images IRA investing is an entirely individual endeavor. Everyone's journey -- through the accumulation phase during their career, into the distribution phase during retirement -- is fairly unique. But there are some common themes. For instance, young people can often… → Read More
Asset Location In Taxable Accounts
Tetra Images/Getty Images The taxman gets a bite of everyone's income, and he is definitely coming for the sweet fruit of your investments: those juicy returns. That winning stock pick or high-yielding bond may eventually come with a big tax bill attached. "The good news is you made money and the bad news is you have to pay tax on it," says Michael Masiello, president of Masiello Retirement… → Read More
Stock Market Basics For Beginners
Andrew Theodorakis/Getty Images For beginners, the stock market can seem incredibly lucrative, risky and confusing. Following a few stock market basics can protect you from common pitfalls and keep you excited about learning to invest. Look at your entire financial picture Turning a profit on an investment is a great feeling. But investments don't exist in a vacuum. They're a piece of an overall… → Read More
6 Great Reasons To Invest In The Stock Market
Waiting for the best time to invest in the stock market? Maybe when you have some extra money lying around and the inevitable question arises: Should you keep lighting cigars with hundred dollar bills or, what the heck, plunk some money into the market? OK, so maybe you don't burn through your earnings that quickly. But consider this: The only way most people have any hope of creating real… → Read More
5 Ways To Reduce Taxes In Retirement
5 ways to reduce taxes in retirement Everyone would like to keep more of their money and put less in Uncle Sam's coffers, but retirees and those on fixed income have extra incentive to lessen their tax liability. Once you've done the obvious work of ensuring you've taken all the deductions and credits to which you're entitled when you file your taxes, you can avail yourself of a number of… → Read More
Does the Futures Market Predict The Future?
investing The futures markets: Why they matter and how they fit into the financial system By Sheyna Steiner • Bankrate.com da-kuk/E+/Getty Images These days, investors are tuning into the futures market before the market opens to see if their stocks will endure yet another beating. It's not just speculators reaching for the futures market crystal ball: Policymakers in the Treasury Department and… → Read More
The Fed puts rates on ice
Instead of raising interest rates again, the Federal Reserve has chosen to chill. → Read More
What Is the Gross Profit Margin Formula?
dagmar heymans/Getty Images Investors usually buy companies they believe will make money, preferably lots of money at the lowest possible cost to the business. Knowing that a company earns oodles of money selling gadgets or gizmos isn't enough, though. Investors need to know how much it costs to make those sales, for instance, in the form of purchasing inventory or production. To understand that… → Read More
5 Tips for First-Time Homebuyers
© wavebreakmedia/Shutterstock.com You've decided to go for it. Buying a home can be thrilling and nerve-wracking at the same time, especially for a first-time homebuyer. It's difficult to know exactly what to expect. The learning curve can be steep, but most of the issues can be resolved by doing a little financial homework at the outset. Take these 5 steps to help make the process go more… → Read More
Save Cash By Reuse Food Containers To Save Cash
iStock.com/Peter Burnett It can be frustrating to buy things that don't get used, even more so when the unused purchases are food. Every scrap of waste is like throwing money into the trash. Pope Francis put it even more succinctly in 2013 when he said, "Throwing away food is like stealing from the table of the poor and the hungry," according to the online version of the Daily Telegraph.… → Read More
Crowdsourced index beat S&P 500
Do crowds have wisdom and would you let them pick your investments? One index is betting that groups may be able to engineer investing success better than pros. → Read More
Where To Open An IRA: Bank, Fund Firm Or Broker Dealer?
iStock.com/Tsuji You find yourself in an empty room faced with 3 identical, nondescript boxes, each bearing the letters "IRA." A disembodied voice demands that you choose one. Never mind why you're there; how do you choose? You don't know what's in the boxes. One box could contain equity investments in casinos and adult beverage makers while another might hold a bar of gold. A third could be… → Read More
What is Working Capital?
"Working capital is simply the total of a firm's current assets minus current liabilities," says Robert R. Johnson, president and CEO of The American College of Financial Services in Bryn Mawr, Pennsylvania. "Basically, if a firm has positive working capital, that means it has enough short-term assets to cover its short-term debt," he says. So once you've examined the working capital of a… → Read More