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3 common mistakes to avoid with a 401(k) plan
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3 common mistakes to avoid with a 401(k) plan

A 401(k) plan is a financially viable option for saving for retirement. But this is possible only if one knows how a 401(k) works. One must learn the fundamental aspects of a 401(k) and plan it properly. Besides, one must be sure they are making the right decision to maximize their long-term investment. Committing a mistake while investing may result in a longer time being spent to earn enough to afford retirement or consider downsizing. Ignoring to take advantage of employer match programs A lot of employers provide 401(k) matching programs.  This  is essentially free money. For instance, an employer matches 100% of an employee’s contribution to the 401(K) plan, up to 3% of the salary. So if the employee’s salary is around $75,000 and they contribute 3% of the salary to their 401(k) for the year, the 401(k) contribution will be around $2,250. Since the employer matches 100% of the contributions up to 3% of the employee’s salary, they will also contribute around $2,250 into the employee’s 401(k) for the year. Thus, around $4,500 will go into the 401(k). Not taking advantage of this means one is leaving money on the table. Leaving the job before the account has been  vested When employers match the 401(k) contributions,  there is usually a regulation that  requires the employee to stay in the organization.
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A look at some of the best free investment advisors

A look at some of the best free investment advisors

As a beginner investor, investing too much money at the start can be quite difficult and overwhelming. However, if you choose the right brokerage account, you can earn a lot back from it in terms of investment knowledge. So if you are looking for the best cost-free investment advisors to provide you with long-term portfolio management services, then you have come to the right place. Here is our collated list: Interactive Brokers Investment Brokers has an entity known as IBKR Lite, which offers commission-free trading on various commodities. It mainly covers exchange-listed stocks as well as exchange-traded funds (ETFs). It also offers low-priced access to various global markets without any account minimum or inactivity fee. Additionally, it offers the best competitive interest rates, while its client portal, which offers trading and account management services, is highly preferred by users. One of the most notable points is that IBKR Lite has been around for over 40 years, having earned the trust of a vast client base. You Invest by JP Morgan Chase You Invest Trade, offered by JP Morgan Chase, is one of the best low-cost investment advisors. It is complete with a range of commission-free ETFs and stocks that can be traded online.
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Things you should know about multiple sclerosis

Things you should know about multiple sclerosis

Multiple sclerosis (MS) is a neurological disorder that affects the central nervous system (CNS). Due to this disorder, your immune system attacks myelin, which is the protective sheath covering the nerve fibers. As a result, communication between your brain and body is hampered. Causes of multiple sclerosis The exact cause of multiple sclerosis is still uncertain. However, some factors that cause this disorder are as follows: Immune system If the immune system is compromised, it may attack the CNS. The myelin protective sheath is affected, thereby disrupting the functioning of your brain, resulting in multiple sclerosis. Infection Certain viruses and bacteria can cause multiple sclerosis. Some viruses cause inflammation that breaks down the myelin, triggering multiple sclerosis. It is possible that brain-cell-like bacteria and viruses can cause the immune system to erroneously identify normal cells as foreign cells, thereby destroying them. Some of the viruses and bacteria that can cause multiple sclerosis include Epstein-Barr virus, measles viruses, and human herpesvirus-6 causing disorders like roseola. Genetics One can be highly susceptible to multiple sclerosis if one has a family history of this disorder. The possibility of one developing this disorder in such instances increases by 2.5% to 5% in the country.
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Top 4 cloud data integration providers

Top 4 cloud data integration providers

As technology gets more advanced, companies that specialize in information technology are taking steps to update their cloud data and data analytics processes. There are companies that provide cloud data integration for the smooth functioning of business operations. Here is a list of the top providers of cloud data integration. Amazon Web Services Amazon Web Services was the first company which provided cloud data integration. The popularity and the stature of the company has grown manifold and it has expanded into providing a wide array of different services to its customers. It made processors based on the Arm technology and soon enough, that became the norm in most companies that specialized in providing cloud data integration. It created a major shift in the cloud storage technology space when it brought out a second-generation Graviton processor. Every year, the company has registered a huge growth in its revenue stream. In the recent past, Amazon Web Services launched the AppFlow, which is aimed at designing SaaS workflows. Microsoft Azure Azure by Microsoft would probably be the most sought after provider of cloud data integration after Amazon Web Services. It is one of the best commercial cloud services offered by the company. Microsoft Azure pitches itself as a service provider of software that one needs to store information.
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5 amazing Samsung phone accessories to own

5 amazing Samsung phone accessories to own

On average, a person spends a minimum of three to four hours on their phone every day. But, when it comes to convenience, there can never be something like too much. So, if you add a few accessories to your already powerful Samsung phone, it will only simplify your life further, making it more organized and easy. Be it phone holders, selfie sticks, power banks, or data cables, here are a few amazing accessories that are a must for all. Power Banks While Samsung phones have numerous benefits and can help you multitask with ease, there are some cons you cannot escape. For example, if you use your phone more, the battery will drain faster, be it 4000mAh or 5000mAh capacities. Now, of course, if you are home, it is easy for you to put your phone on charge; but what do you do when you forget your charger at home, or you are out with your friends and your battery runs out? There may also be situations wherein you do have a charger, but there’s no charging port available. In such a scenario, a power bank comes handy. It is definitely a Samsung accessory everyone should familiarize themselves with.
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