Archive for February, 2009

Day Trading Your Way To Success

Friday, February 13th, 2009

If you are interested in day trading you must first know what it is and its basics. For starters, a day trader is a person who participates actively in the stock market and makes various trades a day, in order to try and earn quick bucks by buying and selling stocks within a short duration.

Since the market is not the same every day, not a single day trading strategy will be effective every time. To succeed, you should first know the working of the market and get a feel for it.

This means finding the stocks’ basic trend, the long and short setups, when to do the trade and where to put stop. Last but not the least, you must know how to protect your profits and limit losses.

After you have learned the basics and are set to do your first day trade, remember these tips and guidelines to ensure your success as a day trader.

Day trading
needs a lot of time and practice before you get accustomed to the daily volatility in the market. Don’t expect to become an expert day trader immediately. Irrespective of the number of books read or day traders you have observed, you are not going to become an instant expert.

Practice on the trading platform offered by day trading websites, before doing the actual thing. It can save you a lot of money and you will learn the basics a lot quicker this way.

Don’t let the thought of losing money frighten you once you are ready to begin real live trading. There are methods like stop orders for limiting your loss.

Don’t worry if there is a loss, as it is to be expected. Just remember, with higher experience and sensitivity to the market, you will start making profit quickly.

If you make lots of money, don’t trade. Don’t gamble it away by attempting to make even more profits. There is always another day.

At times, the market performance will not be as expected. In this case, it’s best not to do any trading.

As you become more experienced in day trading, you can foretell the movement of a stock price. But do not attempt to select top stocks or bottom stocks. This is a mistake a beginner frequently makes.

If you are confused about the market movements, it is better you don’t trade and simply wait or try trading on another day.

A smart move is to keep a track of all your day trading results. This method teaches you what works and what does not, and increases your efficiency in trading.

Study good traders. Find out how and when they buy or sell. Normally, good day traders purchase on bad news and sell on good news.

Novices often take an emotional approach to trading. Don’t do this at any cost. Adopt emotionally detached and professional approach.

Always trust your instincts. Depending a lot on analysis can mean foregoing some profitable trades.

As you become an expert, you will find that different day trading strategies are needed on different days and for different stocks. Be open.

Bad day traders normally concentrate on a lot of stocks that cannot be managed and normally cannot keep track of where every stock is headed. It is sensible to restrict your stocks in manageable quantities.

With patience and practice, you can succeed in day trading, and as your experience increases, so also your profits. Everyday you can learn new day trading strategies used by the successful day traders that you can use to your benefit.

IRAs and Early Retirement

Friday, February 13th, 2009

Dual income families and lucrative 401(k) plans have become regular socio-economic trends that have made many people think about opting for early retirement. If you choose to retire early and change your 401(k) plan into an IRA, how do you go about preparing a withdrawal plan?

It depends on the nature of IRA you have. There are different rules for Roth IRAs. Moreover it depends on if you are planning to retire before or after age 59 1/2. Here we are going to think 59 ½ as the retirement age.

Which Income is Taxed?

The first problem is to understand the rules that define what are regarded as taxable income. For traditional IRAs, the entire income is taxable. But if you make non-deductible contributions to a traditional IRA, SEP or SIMPLE IRA, distributions are pro rata. All deductible contributions and earnings are taxable. The non-deductible contributions are tax-free, simply because you have already paid tax on them.

Distributions from Roth IRAs are first treated as though coming from your contributions initially and from earnings later. Moreover, Roth IRAs are governed by a “qualified distribution” rule. The first condition is that you should hold your Roth for 5 years. This time starts from the moment you make your first Roth contribution. If you have completed this 5 year rule, are below 59 ½ years, and disabled, you can withdraw contributions and earnings totally tax-free.

The 10% Early Distribution Penalty Tax

Withdrawals from IRAs which can be included in income and opted for before 59 ½ years attract a 10% early distribution penalty tax, unless there is an exclusion clause. According to the above discussions, the contributions to Roth IRAs cannot be considered as income when withdrawn.

These are the exceptions:

Death. It is not a great method to begin your early retirement, but is an exception.

Disability.

Withdrawals constituting “substantially equal periodic payments” (SEPPs). This approach is one of the most feasible solutions to early retirement.

Medical care, subject to rules on the deductibility of these items that is presently applicable to those medical expenses exceeding 7.5% of your adjusted gross income.

Health insurance premiums for the unemployed.

Payments made towards qualified higher education expenses, not only for yourself but also for others in the family.

First time homebuyers up to $10,000. This is applicable not only to yourself but also others related to you.

Kept as a reservist while on active duty. This latest exception was first introduced in the Pension Protection Act of 2006. The exception period is between 9/11/01 and 2008.
This information should help you plan your early retirement