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Direct vs. Indirect Distribution Channel: An Overview A distribution channel is a chain of businesses or intermediaries (such as manufacturers, warehouses, shipping centers, retailers, and the internet) through which goods and services pass until they reach the end consumer. Channels are broken into direct and indirect forms. A direct distribution channel allows consumers to buy and
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If you have a nondeductible IRA, you can convert it into a Roth IRA and enjoy the Roth’s advantages, including tax-free withdrawals and no required minimum distributions (RMDs) during your lifetime. However, the rules you’ll need to follow will depend on whether you have only nondeductible IRAs or both nondeductible and deductible IRAs. This article
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Loan repayment is the act of paying back money previously borrowed from a lender, typically through a series of periodic payments that include principal plus interest. Did you know you can use the software program Excel to calculate your loan repayments? This article is a step-by-step guide to setting up loan calculations. Key Takeaways: Use Excel to
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NEWS ALERT March 16, 2022, 4:20 p.m. EST: On Wednesday, the Federal Open Market Committee announced it would raise the target federal funds rate 25 basis points (0.25%) to slow decades-high inflation. Mortgage loans come in two primary forms—fixed rate and adjustable rate—with some hybrid combinations and multiple derivatives of each. A basic understanding of interest rates and
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Earning a higher income may seem like the key to a more comfortable retirement, but it can actually be a barrier to some kinds of tax-advantaged retirement savings. That’s because a larger salary can shut you out of contributing to a Roth IRA. Fortunately, there is a way around the Roth IRA roadblock for affluent taxpayers: a backdoor
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As of mid-March, Alphabet (NASDAQ:GOOG, NASDAQ:GOOGL) is performing better than the benchmark S&P 500 index, but just barely. While the latter is down 13% on a year-to-date basis, GOOG stock declined by 12.6% during the same frame. Source: Castleski / Shutterstock.com Like I said, it’s barely performing better, which raises some uncomfortable questions. Prior to
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Affirm Holdings (NASDAQ:AFRM) stock keeps growing, but its stock keeps sinking. Shares have lost nearly 75% of their value, just since the first of the year. The November high of $168/share seems a long time ago. Affirm was expected to open March 15 at a little over $26/share, a market capitalization of $9.4 billion. Source:
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