Qualified Account Amounts For 2013

Maximum Contributions for 2013 in qualified accounts.

 

 

 

These types of accounts are very important because they can help lower some of your taxes.  They also compound at a much faster rate then regular accounts because you are now compounding with no taxes.  Below is an illustration of the power of compounding with no taxes.  As you can see after 10 yrs, the IRA account is $72K vs. $65K  (11% difference) Non-IRA.  After 15 years the IRA account is $135K vs $114K (18% difference).  And after 20 years, the IRA account is $228K vs $179K (27% difference).

 

 

Land Of The Lost Facebook IPO

The US capital markets have definitely crawled down IPOs. With the recent $fb failure I wouldn’t be surprised if there are less IPOs coming to market any time soon. It can been seen as wolf on sheep. The institutional players are considered the wolf and the retail investors are the sheep. Good luck with that slaughter. Many see that they spoke IPO as a trick on the American public. Trick-or-treat. Most Americans don’t notice it but this debacle is seen as good thing. It shows how broken the system is. The next up is the crowd funding model that will revolutionize the capital markets.

It is already seen that the American public doesn’t have any more belief in the financial markets. Since 2008 the volumes in the market have dramatically decreased. We’re talking from 6 to 7 billion shares a day to him easily 1.5 to 2 billion shares a day. Is everybody on a holiday? Not really. Because of the Madoff scandals, market crashes, flash crashes, high regulatory compliance, and accounting scandals, people don’t necessarily have any believe in the US financial markets. They rightfully shouldn’t either. Broker-dealers favor favorite institutional clients with inside information. How are the little people supposed to compete? They don’t, they just leave the marketplace altogether. And that is what is going on the last few years.

The Facebook IPO probably was one of the last favorite IPOs to go to the public and smash them. Because the underwriters and Facebook misled shareholders about revenue projections information was not disperse equally among all participants. Favoritism was led to the institutional clients. Is the playing field level? I doubt it. Because of this blunder, we will see the rise of a new capital market.

This Facebook debacle is actually good because it shows just how broken the US capital markets are. The new frontier of crowd funding will solve a lot of these problems because information will be disbursed openly among all participants. From the very beginning of the crowdfunding to the IPO stage. Information will always be in the open. Which is very ironic because with the current 1933 act, it allows private placements to have very private information among participants. This is almost the exact opposite of what capital markets should be doing when raising capital. Participants need to have equal access to information to make informed decisions.
Because of Facebook the new capital formation is going to have a stronger start. Facebook will always be looked at as a failure to the capital markets even though the institutional shareholders scored big with retail investor footing the Zuckerberg bill.

The belief in the system from Facebook is completely gone. When the elections hit maybe there will be some positiveness because of the jobs act.

Angela Vestine jots about the monetary markets and seed investor . She also mentions about some of the biotech venture capital debates of the hour. On her years off she mountain climbs on the strand and does athletics.

Where Are the Joe Smith Investors And FB

The $fb IPO created history in such a way that they plundered at the American public for stealing their money. The retail investor, the moms and pops got taken. They are competing against wolves. They are in the land of high-frequency traders, flash crashes, legalized insider trading, and laws against them. The system is broken but this Facebook IPO is a wake-up call. The Facebook IPO shows how broken the system is for the 10th time. Keep an eye out because the revolution in crowd funding is starting.

It is already seen that the American public doesn’t have any more belief in the financial markets. Since 2008 the volumes in the market have dramatically decreased. We’re talking from 6 to 7 billion shares a day to him easily 1.5 to 2 billion shares a day. Is everybody on a holiday? Not really. Because of the Madoff scandals, market crashes, flash crashes, high regulatory compliance, and accounting scandals, people don’t necessarily have any believe in the US financial markets. They rightfully shouldn’t either. Broker-dealers favor favorite institutional clients with inside information. How are the little people supposed to compete? They don’t, they just leave the marketplace altogether. And that is what is going on the last few years.

The Facebook IPO probably was one of the last favorite IPOs to go to the public and smash them. Because the underwriters and Facebook misled shareholders about revenue projections information was not disperse equally among all participants. Favoritism was led to the institutional clients. Is the playing field level? I doubt it. Because of this blunder, we will see the rise of a new capital market.

This Facebook debacle is actually good because it shows just how broken the US capital markets are. The new frontier of crowd funding will solve a lot of these problems because information will be disbursed openly among all participants. From the very beginning of the crowdfunding to the IPO stage. Information will always be in the open. Which is very ironic because with the current 1933 act, it allows private placements to have very private information among participants. This is almost the exact opposite of what capital markets should be doing when raising capital. Participants need to have equal access to information to make informed decisions.
Because of Facebook the new capital formation is going to have a stronger start. Facebook will always be looked at as a failure to the capital markets even though the institutional shareholders scored big with retail investor footing the Zuckerberg bill.

The belief in the system from Facebook is completely gone. When the elections hit maybe there will be some positiveness because of the jobs act.

Angela Vestine facebooks about the business markets and find angel investor . She also authors about some of the social lending sites issues of the weekend. On her years off she walks on the seashore and does mind reading.

The FB Social Network IPO And The Wall Street Levee Of Worry

The US markets have definitely slowed down IPOs. With the recent Facebook fiasco I wouldn’t be surprised if there are less IPOs coming to market any time soon. It can been seen as wolf on sheep. The institutional players are considered the wolf and the retail investors are the sheep. Good luck with that slaughter. Many see that they spoke IPO as a trick on the American public. Trick-or-treat. Most Americans don’t notice it but this debacle is seen as good thing. It shows how broken the system is. The next up is the crowd funding model that will revolutionize the capital markets.

It is already seen that the American public doesn’t have any more belief in the financial markets. Since 2008 the volumes in the market have dramatically decreased. We’re talking from 6 to 7 billion shares a day to him easily 1.5 to 2 billion shares a day. Is everybody on a holiday? Not really. Because of the Madoff scandals, market crashes, flash crashes, high regulatory compliance, and accounting scandals, people don’t necessarily have any believe in the US financial markets. They rightfully shouldn’t either. Broker-dealers favor favorite institutional clients with inside information. How are the little people supposed to compete? They don’t, they just leave the marketplace altogether. And that is what is going on the last few years.

The Facebook IPO probably was one of the last favorite IPOs to go to the public and smash them. Because the underwriters and Facebook misled shareholders about revenue projections information was not disperse equally among all participants. Favoritism was led to the institutional clients. Is the playing field level? I doubt it. Because of this blunder, we will see the rise of a new capital market.

This Facebook debacle is actually good because it shows just how broken the US capital markets are. The new frontier of crowd funding will solve a lot of these problems because information will be disbursed openly among all participants. From the very beginning of the crowdfunding to the IPO stage. Information will always be in the open. Which is very ironic because with the current 1933 act, it allows private placements to have very private information among participants. This is almost the exact opposite of what capital markets should be doing when raising capital. Participants need to have equal access to information to make informed decisions.
Because of Facebook the new capital formation is going to have a stronger start. Facebook will always be looked at as a failure to the capital markets even though the institutional shareholders scored big with retail investor footing the Zuckerberg bill.

The belief in the system from Facebook is completely gone. When the elections hit maybe there will be some positiveness because of the jobs act.

Angle Vestine writes about the economic markets and angle investor . She also authors about some of the angel investor directory issues of the weekend. On her years off she jogs on the seaside and does mind conrtol.

Where Are the Retail Investors And FB

The Fb IPO created history in such a way that they plundered at the American public for stealing their money. The retail investor, the moms and pops got taken. They are competing against wolves. They are in the land of high-frequency traders, flash crashes, legalized insider trading, and laws against them. The system is broken but this Facebook IPO is a wake-up call. The Facebook IPO shows how broken the system is for the 10th time. Keep an eye out because the revolution in crowd funding is starting.

It is already seen that the American public doesn’t have any more belief in the financial markets. Since 2008 the volumes in the market have dramatically decreased. We’re talking from 6 to 7 billion shares a day to him easily 1.5 to 2 billion shares a day. Is everybody on a holiday? Not really. Because of the Madoff scandals, market crashes, flash crashes, high regulatory compliance, and accounting scandals, people don’t necessarily have any believe in the US financial markets. They rightfully shouldn’t either. Broker-dealers favor favorite institutional clients with inside information. How are the little people supposed to compete? They don’t, they just leave the marketplace altogether. And that is what is going on the last few years.

The Facebook IPO probably was one of the last favorite IPOs to go to the public and smash them. Because the underwriters and Facebook misled shareholders about revenue projections information was not disperse equally among all participants. Favoritism was led to the institutional clients. Is the playing field level? I doubt it. Because of this blunder, we will see the rise of a new capital market.

This Facebook debacle is actually good because it shows just how broken the US capital markets are. The new frontier of crowd funding will solve a lot of these problems because information will be disbursed openly among all participants. From the very beginning of the crowdfunding to the IPO stage. Information will always be in the open. Which is very ironic because with the current 1933 act, it allows private placements to have very private information among participants. This is almost the exact opposite of what capital markets should be doing when raising capital. Participants need to have equal access to information to make informed decisions.
Because of Facebook the new capital formation is going to have a stronger start. Facebook will always be looked at as a failure to the capital markets even though the institutional shareholders scored big with retail investor footing the Zuckerberg bill.

The belief in the system from Facebook is completely gone. When the elections hit maybe there will be some positiveness because of the jobs act.

Angela Vestine facebooks about the business markets and find angel investor . She also authors about some of the social lending sites issues of the hour. On her months off she walks on the seashore and does mind reading.

The Facebook Of Social Finance

Crowdsourcing fever is in the air. A new chronicle came out on the crowd funding industry from Massolution. Most notably the industry raised $1.5 billion in 2011 with $800 million or so coming from North America. Estimates are seen as double for 2012 in the $3 billion area. There are close to 500 crowd funding portals from estimates. The US market for crowd funding is just barely in its infancy.

Because of high regulation in the securities market, more and more businesses will go to the crowd for much needed capital. This is going to be the real growth. Small businesses, pink sheets, bulletin boards, and listed companies will all join the crowd. There is plenty of room for everybody. All eyes are on the US market. The reason for this is because ideas and innovation usually come out of the US market. The new financial gold rush.

One of the most biggest participant in the crowd will be the institutional player. Why are they the biggest? Because they have access to lots of capital. It is also disposable in various asset classes. Institutional players can be hedge funds, mutual funds, municipalities, insurance companies, government agencies, broker-dealers, and RIA’s. The institutional players consist of a very large group. They each have their own specialty but the thing that they have in common is being a participant in the crowd funding capital formation concept. Some say that institutional marketplace controls roughly 90% of the capital markets. Considering they are controlling 90% of the capital this will be a very large player in the crowd funding model.

The crowd funding portals will be the most important piece of the puzzle because this is the central location where the capital is being formed. The crowd funding portal will have various capital pits for the individual businesses that need capital. These portals usually have niche markets such as special industries, sectors, geographical location, and targeted investors. These crowd funding portals will be the central location where information and due diligence is moving back and forth from the project to the investor. The portal’s biggest influence will be about people that visit them. The more people that visit them the more chances the business has at raising capital. Since this is so new there really aren’t any big portals at the moment.

One thing that has caught the attention of crowdfunders is an increase of repeat and new buyers for their product or services. It is seen almost as a pre-release or a promotion to existing clients and new clients. This is blurring the boundaries of what Groupon is. Special limited editions can make the product seem more special than other versions creating an increase in demand regardless of what is being sold.

Peering Lavesta posts about the monetary markets and seed investor . She also blogs about some of the angel investor directory debates of the yr. On her months off she motorcycle rides on the strand and does athletics.

Why Crowdsourcing Is Irresistible

 p2p lending

Crowdsourcing fervor is in the air. A new account came out on the crowdfinancing industry from Massolution. Most notably the industry raised $1.5 billion in 2011 with $800 million or so coming from North America. Estimates are seen as double for 2012 in the $3 billion area. There are close to 500 crowd funding portals from estimates. The US market for crowd funding is just barely in its infancy.

The Jobs Act Bill that got passed in 4-5-2012 is getting nifty. Already there is lots of commotion going on in the air about crowdfunding. Every day new portals are popping up. Literally they are everywhere in LinkedIn. It is seen that the US market comprises 50% of the crowdfunding market. Now just imagine the US market legalizing the “for business crowd funding” model? The crowd funding market is easily going to grow hundreds of percent meaning it will go parabolic in growth rate. Friendster went parabolic then Facebook took over and continued the phenomenal growth rates. The year is 2012 and Facebook is still growing. Crowdfunding will be no different.

Considering this is so new, crowdfunding’s biggest opportunities are probably within the next two years but it’s growth will last for the next 10 to 15 years. Comparing crowd funding with the originator of the social network Frienster, which started in 2002 to the present is showing a very reasonable 10 year run. This financial revolution is very similar to the social network and will probably have a similar run.

Because of high regulation in the securities market, more and more businesses will go to the crowd for much needed capital. This is going to be the real growth. Small businesses, pink sheets, bulletin boards, and listed companies will all join the crowd. There is plenty of room for everybody. All eyes are on the US market. The reason for this is because ideas and innovation usually come out of the US market. The new financial gold rush.

Now it comes down to crowding $1 billion dollars. Who will be the first business to do this? Will it be an established public company? Or a startup? The race is on.

Hollywood Lavesta twats about the business markets and crowdfunding . She also writes about some of the crowdfunding debt gossip of the year. On her time off she fights on the coast and does athletics.

Employment Issues And The New Crowdfinancing Model

The extreme few yrs have been very inhumane to the humankind economies. The real estate bubble popped and affected all countries. Some states were affected more than others but in general all countries were affected economically. Various governments have been trying to stimulate employment in various forms. The US has been trying various forms of monetary policy to fix some of the banking problems such as quantitative easing I & II and Operation Twist. Although the government is trying to stimulate and fix the economy, one last arrow in the quiver is left. It’s called crowdfunding.

Short while ago in the USA the JOBS Act got accepted. The JOBS act which stands for Jumpstart Our Business Startups is meant to help small businesses raise capital easier via the crowd. Small businesses will now be able to legally solicit money from a large number of unaccredited investors without having to register with the SEC. This is powerful because an entire new group of investors will participate in new business formation that once didn’t exist.

Crowdfunding is a new form of financing . With advances in technology crowdfunding is now possible. The social network is now more powerful than ever. The social network makes crowd funding possible. Since so many people are connected online through various online networks, crowfunding is more prevalent with sites such as Kickstarter and Indiegogo exploding. The bigger the social network grows, the more power and possibilities of the network becomes. Viral marketing travels much faster then before. Everyone agrees that entrepreneurs are the key to job creation. The market is roughly $282 billion according to the Federal Deposit Insurance Corporation for small-business lending by US banks. The shift into the crowd funding market is huge. Some sites are showing 100 to 200% per year growth in crowd funding.

With this redesigned found way of capital creation, new businesses will have the opportunity to raise capital. From this capital, jobs will be created in various forms. Bill Gross from Newport beach California-based Pimco said “Jobs are being structurally destroyed. They have to start looking elsewhere”. This looking elsewhere means that individuals are becoming more creative and innovating new ideas such as a business startup ideas. These startups are going to the crowd funding model for much needed capital.

The economy has changed and so has the job market. People are now becoming more proactive in their own careers leading to more startups. These startups now have access to one of the most important ingredient which is capital. Welcome to the future of crowd finance.

Peera Lavestaauthors about the economic markets and peer to peer lending . She also authors about some of the venture capital investors topics of the hour. On her hours off she trots on the waterfront and does athletics.

I question What Enterprise Will Crowd Finance $1 Billion

With electronic components, creating capital is becoming easier, faster, and cheaper to raise. Crowd funding is breaking down the barriers. Technology is so cheap now and the social network is so big that crowd funding $1 billion is now possible. Everybody has cell phones, everybody has Internet access, everybody wants the new new thing.

Recently people have been able to raise capital quite quickly on crowd funding sites. I’m talking 5 million dollars in a matter of weeks from the general public. This is quite fast. Considering the industry is so new and so small. I haven’t even talked about the major players to be seen. The next few years is going to see the speed pickup and the amount of capital raised increased considerably. The beginning of crowd funding has just begun.

How will we get to one B dollars? Considering the market is so new. All the players haven’t arrived yet. We have several new players that will get involved. The major players on talking about are the institutional players. These players have major buying power. The players will be hedge funds, RIA’s, mutual funds, and high net worth individuals. These players are going to take the crowd funding to the billion-dollar level. It is just a matter of time before they have an interest or they are required to get involved in a new capital market.

With technology, raising capital is becoming easier, faster, and cheaper to raise. Crowd funding is breaking down the barriers. Technology is so cheap now and the social network is so big that crowd funding $1 billion is now possible. Everybody has cell phones, everybody has Internet access, everybody wants the new new thing.

Recently people have been able to raise capital quite quickly on crowd funding sites. I’m talking 5 million dollars in a matter of weeks from the general public. This is quite fast. Considering the industry is so new and so small. I haven’t even talked about the major players to be seen. The next few years is going to see the speed pickup and the amount of capital raised increased considerably. The beginning of crowd funding has just begun.

How will we get to 1 billion? Considering the market is so new. All the players haven’t arrived yet. We have several new players that will get involved. The major players on talking about are the institutional players. These players have major buying power. The players will be hedge funds, RIA’s, mutual funds, and high net worth individuals. These players are going to take the crowd funding to the billion-dollar level. It is just a matter of time before they have an interest or they are required to get involved in a new capital market.

Why would some investors be required to get involved in crowd funding? A new fund or ETF may be created and this will spark the requirement that they have to get involved in the crowd. When there is opportunities to be made and money to made they will show up. That is why they will be required to get involved in crowd funding.

The year 2012 could mark the birth of a new innovative crowd funding to the billion-dollar mark. Projects are raising capital faster and faster as time goes on. The social network is just beginning to show signs of its power in the capital markets. Keep this in mind the social network just started.

The question really becomes who will become the first company to crowd fund $1 billion? Maybe an apple going to the marketplace raising some debt? I doubt it they are making too much money already. ITunes is there printing press. But I’m sure there’s going to be some progressive company that is going to raise it and raise it quickly. I’m talking less than 30 days. Peace out crowd.

Annuities are becoming popular lately because most people don’t have pensions. This is the closest thing to a pure pension. Annuities are good because the risk is not on any state or government agency. You also have to keep in mind that taxpayers are not on the hook. This is one of the most beneficial things to switching to annuities because taxpayers don’t have to foot the bill anymore.

Just like the stock market a company uses an underwriter, the same will be true for the crowd funding model. There will be several underwriters that specialize in crowd underwriting. They will help out the business raise the capital fast and efficiently. The crowd funding model can be seen as a maze to new businesses that just want to grow their business. That is why the underwriter will be so important because they will have passed knowledge and experience raising capital from the crowd. These underwriters will also have a following that will help the crowd funding process faster.

Peera Lavesta jots about the stock markets and roth 403b . She also vents about some of the angel investor issues of the yr. On her years off she jogs on the strand and does athletics.

Crowdfunding Dangers And Perils

The economic shape of La schools is pretty sour. The last report showed that the California schools are in 40th place out of 50 states according to edweek.org. California is in pretty pathetic shape. It has cut and cut teacher pay and staff to the bare minimum bones. What this does is creates a shortage of educators. Layoffs in the educational system continue to this day.

Because of bureaucratic ways and unions the system in place barely kind of functioning. It needs help because times have changed. Pension plans that pay lifetime of pay are changing. These changes in the pensions will save some money. Old ways are sometimes hard to change. Especially when unions involved have to make both parties happy.

The clarification to this catastrophe is coming in the form of the crowd a.k.a. the social network of finance. Crowd funding will help schools raise the necessary capital to create an environment that is necessary for student achievement. Crowd funding is in its initial stages but is growing in different sectors. Crowdfunding will hit the educational sector with targeted niche geographical markets for funding soon.

Professors, staff, business development of schools will raise capital via crowdfunding. It will be a very niche market. But it will help those in that particular market that have a passion to help their own neighborhoods. Alumnis, faculty and staff, parents, sponsors and associates will all come together and participate in crowd funding projects for the school. It is very innovative and new.

Although crowd funding his new with participants such as kickstarter,indiegogo, treveri, and crowdcube, the changes will hit schools. Teachers need funding for their classrooms and they will find that with the financial crowd. Although it is new, people like to help each other out. The crowdfunding finance is the future.

Peera Lavestablogs about the economic markets and venture capital funding . She also authors about some of the crowdfunding issues of the hour. On her time off she runs on the seafront and does mind reading.