The Motley Fool

MAY 3, 2024

Image source: Getty Images Long-term care insurance, or LTC insurance, isn't well understood by many Americans, especially those who aren't yet at retirement age. It can happen to you You might not realize it, but you're likely to need some form of long-term care later in life. And this is in today's dollars. is $30 per hour.

Companies 242

Companies 242

The Motley Fool

MAY 27, 2024

Personally, I wouldn't use a Roth IRA for my emergency cash because I wouldn't want to take the risk of the market going through a down period and leaving me with less money to withdraw than I put in. But herein lies the danger of using a CD for your emergency fund.

Banks 244

Banks Accounting Funds Taxes 244

The Motley Fool

MAY 12, 2024

In addition to this protection, the cool thing about a CD is that you can do the math when you open the account and figure out (based on the term, rate, and your deposit) how much money you'll have at the end of the account's term. And when it does, you can use it -- or put it into a new 5-year CD and let it continue growing.

Investing 246

Investing Banks Accounting Funds 246

The Motley Fool

MAY 18, 2024

If you can keep the money in place for the duration of the CD's term, you stand to earn a set amount of interest. A high-yield savings account Savings accounts are banking 101 -- they are simple to use, easy to understand, and widely available from banks of all kinds. Why use it? Why use it? Why use it?

Banks 240

Banks Exchange-Traded Funds Accounting Taxes 240

The Motley Fool

MARCH 25, 2024

While long-term investors will likely maximize their returns by buying and holding stocks , those needing cash in the near term or building an emergency fund are smart to hold cash. Short-term Treasury bonds Treasury bonds pay interest just like any other bond. The trick is to make your cash savings more tax-efficient.

Returns 242

Returns Taxes Exchange-Traded Funds Accounting 242

The Motley Fool

MAY 30, 2024

By using Shopify, entrepreneurs and existing brands can begin selling online in minutes. These developers earn money whenever a Shopify customer installs and uses its features. And as we'll soon see, right now is a great time to invest in this long term winner. At its core, it's an e-commerce platform.

Initial Public Offering 223

Initial Public Offering Returns Capital Investors 223

The Motley Fool

MAY 6, 2024

Image source: Upsplash/The Motley Fool Savings accounts are great for money you want to earmark for emergency expenses and near-term goals, like saving for a car, vacation, or house. One option is to invest it in a certificate of deposit (CD) with a five-year term. LendingClub 4.00% $24,333.06 $4,333.06 Quontic 4.30% $25,686.05 $4,686.05

Banks 245

Banks Accounting Taxes Returns 245

The Motley Fool

JANUARY 13, 2024

At the same time, AI is also being used by bad actors to carry out cyberattacks that have the potential to be hugely destabilizing. And the increasing importance of shutting down such threats suggests that investors have opportunities to score big long-term wins. This incredible tech movement is still just starting to affect the world.

Capital 246

Capital Returns Investors Companies 246

The Motley Fool

FEBRUARY 21, 2024

Don't let the agony of guessing Bitcoin's short-term price rattle you. Don't trade Bitcoin, own it Bitcoin is similar to stocks in that short-term prices are based on little other than the whims of the market's buyers and sellers. Ideally, you own Bitcoin because you think more people will use and desire it over time.

Portfolios 244

Portfolios Accounting Returns Investors 244

The Motley Fool

MAY 27, 2024

A great way to position for success in the stock market is to look for companies that not only have great long-term prospects but, importantly, have catalysts in the near term that can send their share prices higher. TSMC makes a variety of chips used for everything from smartphones to data centers.

Prospects 246

Prospects Returns Stock Market Stock Market 246

The Motley Fool

MAY 30, 2024

Below, I'll break down five stocks operating at the intersection of software and AI and assess why each is a compelling buy for long-term investors. Palantir Palantir Technologies (NYSE: PLTR) is an enterprise-software platform that's used by the U.S. Cybersecurity is an enormous market with many different use cases.

Prospects 246

Prospects Returns Companies Stock Market 246

The Motley Fool

MAY 11, 2024

When you decide how much to invest, think carefully about two things: How much money can you afford to leave invested for the CD term? Decide how long your CD term should be Most CD terms fall between three months and five years. Whatever CD term you choose, you'll be guaranteed to earn the promised rate during that time period.

Investing 243

Investing Accounting Funds Returns 243

The Motley Fool

MAY 10, 2024

Even with federal tax credits, their price tags are still averaging over $40,000, and used EVs remain rare. Over the long term, you'll save a ton compared to owning a gas-powered vehicle. There are more used options out there Hybrids have been popular for a while now. That doesn't mean you're stuck with a gas guzzler, though.

Taxes 246

Taxes Companies 246

The Motley Fool

MAY 25, 2024

That's not an anomaly; it is in line with the long-term trend. dividend yield doesn't appear to be at any near-term risk. To some extent, that is true, but this isn't a long-term solution. The company has a cash cow business that is in long-term decline. So the huge 8.5% When it comes to Altria the story is pretty simple.

Investing 246

Investing Shareholders Returns Accounting 246

The Motley Fool

MARCH 22, 2024

Microsoft (NASDAQ: MSFT) is part of the "Magnificent Seven," a term first used by Bank of America analyst Michael Hartnett to describe seven massive tech-focused companies. But so many investors miss out on gains during bull markets just because it is counterintuitive to buy a stock at a far higher price than it used to be.

Debt 246

Debt Banks Leveraging Capital 246

The Motley Fool

MAY 16, 2024

Some of the best savings accounts give you the same yield (or better) than the best CDs, and you have more flexibility for how to access and use your money. This can give you more flexibility for how to use your money. Some money market accounts also offer check-writing capabilities or debit card access.

Banks 246

Banks Accounting Investing 246

The Motley Fool

MAY 30, 2024

An example of an RPO might involve a business that decides it wants to make use of its enterprise data and believes Snowflake's applications can help. CFO Mike Scarpelli said, "We're very pleased with our business and more of the commitment that our customers are making in Snowflake long term." And that's the real good news here.

Investors 242

Investors Shareholders Returns Companies 242

The Motley Fool

APRIL 30, 2024

You could grow your money more by investing it It's generally not recommended to use a savings account for money goals more than five years away. For these long-term goals, investing is a much better way to grow your money. Also, profits are considered long-term capital gains if you held the investment for over one year.

Accounting 246

Accounting Taxes Banks Capital 246

The Motley Fool

MARCH 7, 2024

So with short-term investing, you're rolling the dice. Long-term investing maximizes your chances of success. Individual retirement accounts (IRAs) with a stock broker: Choose the amount you want to invest, how often, and the bank account you'll use to pay for it. It's not the right place for short-term goals.

Investing 245

Investing Accounting Banks Funds 245

The Motley Fool

MAY 15, 2024

You'll earn the advertised interest rate if you leave your money in the CD for the entire term period. Despite these benefits of CDs, I'd rather invest my extra cash in the stock market using a brokerage account. I want easy access to my money CDs have specific term lengths you must agree to if you want to earn their advertised APY.

Taxes 246

Taxes Accounting Stock Market Stock Market 246

The Motley Fool

MAY 19, 2024

It's impossible to say whether or not it would be a good move for Kraft Heinz to sell Oscar Mayer because it depends entirely on how management used its windfall payday. This is just one example of how Kraft Heinz could use a one-time payday to improve its business for shareholders. However, it certainly could be a good move.

Investors 246

Investors Buyout Shareholders Debt 246

The Motley Fool

MAY 20, 2024

The productivity gains from using AI could add trillions of value to the global economy, and we can see this playing out in the number of restaurants that are starting to use Soundhound's Smart Ordering product. Assuming the company continues to execute on cost controls, the long-term upside for this small-cap stock could be massive.

Education 246

Education Shareholders Financial Services Returns 246

The Motley Fool

MAY 28, 2024

So even if the federal funds rate inches downward and the best CDs start paying just 4%, if you've already opened one at 5%, you are set for the duration of your CD's term. As of this writing, you can open a shorter-term CD (with a term of one year or less) with a rate of 5.15%. Stock values swing up and down. Just don't do it.

Banks 130

Banks Accounting Stock Market Stock Market 130

The Motley Fool

APRIL 22, 2024

While the 5%-plus yield on short-term Treasury bonds looks quite tempting today, don't count on seeing that last. Looking beyond the short term, that's much more attractive. And it's why investors should use the recent pullback in technology stocks to scoop up these long-term winners. Image source: Getty Images.

Shareholders 246

Shareholders Debt Capital Returns 246

The Motley Fool

MARCH 28, 2024

Use catch-up contributions The usual 401(k) contribution limit for 2024 is $23,000 -- but if you're age 50 or over, the IRS has a special bonus for you. Leaving your long-term money invested in low-yield assets like cash or bonds can cause you to miss out on massive gains. That is money that you have earned and deserve to get.

Assets 237

Assets Stock Market Stock Market Funds 237

The Motley Fool

MAY 28, 2024

Before 2024, the only people I knew who used CDs were my grandparents. To protect themselves in case that happens, banks and credit unions often have their highest rates on their short-term CDs. But if a CD has a short term or a maximum deposit, that will limit how much money you can make. Is a CD right for your savings?

Banks 130

Banks Accounting Stock Market Stock Market 130

The Motley Fool

MAY 22, 2024

Image source: Getty Images Certificate of deposit , or CD, accounts are typically thought of as long-term deposit vehicles. The point is that while CDs are typically thought of as a long-term savings vehicle, they can also be a great fixed-income investment, especially when interest rates are relatively high.

Banks 242

Banks Accounting Taxes Portfolios 242

The Motley Fool

FEBRUARY 26, 2024

Unless you pay for a family plan meant to be shared, there may be restrictions on how you use and share your account with others. 25, but prior and existing subscribers have until March 14 for the updated terms to take effect. The new terms state that users can no longer share their subscriptions with people outside of their household.

Accounting 246

Accounting Financing Finance Banks 246

The Motley Fool

APRIL 22, 2024

billion in long-term debt, and another $1 billion in long-term lease obligations, this used car dealer's future looked grim. One year ago, Carvana wrapped up its worst year ever, losing $1.6 billion despite booking a record $13.6 billion in sales. Burdened with $6.1

Earnings Before Interest 246

Earnings Before Interest Amortization Depreciation Taxes 246

The Motley Fool

MAY 30, 2024

And I'm happy to share with all of you that we now have well over 1,000 distinct paying customers using our vector database and retrievable augmented generation, or RAG, capabilities for building GenAI applications. This is a significant market opportunity for us that will play out over the long term.

Securities and Exchange Commission (SEC) 130

Securities and Exchange Commission (SEC) High Net Worth Individuals Leveraging Banks 130

The Motley Fool

MAY 15, 2024

Short-term CDs pay the highest rates right now and maximize your access to your money, but there's no way to know what rate you'll get after the CD matures. And long-term CDs can give you consistent income for several years, but you'll pay a hefty penalty if you have to withdraw your money early.

Investing 130

Investing Mutual Funds Banks Portfolios 130

The Motley Fool

MARCH 20, 2024

It can see the long-term potential a new technology like AI has to change our world. Now is the time to place your long-term bets, choosing the top AI companies that have the potential to outperform both competitors and the broader stock market over the coming years. But ASML doesn't have to care whose chips everyone uses.

Stock Market 246

Stock Market Stock Market Returns Investors 246

The Motley Fool

MAY 26, 2024

Social Security's cost-of-living adjustment is the mechanism used by the Social Security Administration (SSA) to adjust benefits for inflation. The other nine months of the year can help identify trends, but won't be used in the calculation that determines whether or not beneficiaries will receive a larger benefit check in the upcoming year.

Prospects 245

Prospects Banks Portfolios Accounting 245

The Motley Fool

APRIL 19, 2024

Regardless of the opportunities that tech stocks offer, it's still important that investors keep a long-term mindset and not approach them expecting to get rich quickly. For investors with $5,000 available to invest, the following three options are good long-term choices, and you can divide your money evenly among them.

Initial Public Offering 245

Initial Public Offering Conglomerates Leveraging Returns 245

The Motley Fool

MAY 16, 2024

Palantir offers its Artificial Intelligence Platform (AIP) to help customers aggregate their data and put it to use -- and the results often are spectacular, boosting efficiency and even paving the way to long-term growth. Making better use of data So, first a bit of background on Palantir. Image source: Getty Images.

Leveraging 246

Leveraging Returns Companies Investors 246

The Motley Fool

MAY 30, 2024

The index Vanguard Information Technology Index Fund ETF follows has the term "25/50" in it, which is a very specific term used by MSCI. Given the past performance, and the importance of technology to the modern world, it seems likely that an investment here will turn out well over the long term.

Exchange-Traded Funds 242

Exchange-Traded Funds Funds Assets Consultants 242

The Motley Fool

MARCH 23, 2024

One way to implement this proposal is to make all income of $400,000 or more subject to the payroll tax used to fund Social Security. He wants to use the U.S. oil supply to help fund Social Security along the same lines that Saudi Arabia uses its oil wealth to fund public programs. He criticized former U.N.

Taxes 246

Taxes Funds 246