What is an index fund? An index fund is a fund – either a mutual fund or an exchange-traded fund (ETF) – that is based on a preset basket of stocks, or index. This index may be created by the fund manager itself or by another company such as an investment bank or a brokerage. These fund managers then mimic the index, creating a fund that looks as much as possible like the index, without actively managing the fund. Over time the index changes, as companies are added and deleted, and the fund manager mechanically replicates those changes in the fund. Because of this approach, index funds are considered a type of passive investing, rather than active investing where a manager analyzes stocks and tries to pick the best performers. This passive approach means that index funds tend to have low expense ratios, keeping them cheap for investors getting into the market. Some of the most well-known indexes include the S&P 500, the Dow Jones Industrial Average and the Nasdaq 100. Index funds are a popular strategy for ETFs to use, and virtually all ETFs are based on indexes. Why are index funds so popular? Investors like index funds because they offer immediate diversification. With one purchase, investors can own a wide swath of companies. For example, one share of an index fund based on the S&P 500 provides ownership in hundreds of companies. While some funds such as S&P 500 index funds allow you to own companies across industries, others allow exposure to a specific industry, country or even investing style (say, dividend stocks). The S&P 500 index fund continues to be among the most popular index funds. S&P 500 funds offer a good return over time, they’re diversified and they’re about as low risk as stock investing gets. Like all stocks, it will fluctuate, but over time the index has returned about 10 percent annually. That doesn’t mean index funds make money every year, but over long periods of time that’s been the average return. Best index funds for January 2020 The list below includes S&P 500 index funds from a variety of companies, and it includes some of the lowest-cost funds trading on the public markets. When it comes to an index fund like this, one of the most important factors in your total return is cost. Included are two mutual funds and three ETFs 1. Fidelity ZERO Large Cap Index 2. Vanguard S&P 500 ETF 3. SPDR S&P 500 ETF Trust 4. iShares Core S&P 500 ETF 5. Schwab S&P 500 Index Fund 1. Fidelity ZERO Large Cap Index (FNILX) The Fidelity ZERO Large Cap Index mutual fund is part of the investment company’s foray into mutual funds with no expense ratio, thus its ZERO moniker. The fund doesn’t officially track the S&P 500 – technically it follows the Fidelity U.S. Large Cap Index – but the difference is academic. The re ... https://www.youtube.com/watch?v=4gTo0zw88Wo

HOW TO SELL USED CLOTHES ONLINE Where to get designer used clothing items? So, if I don’t have my own used clothes to sell, where can I get designer clothes? There really are lots of places like flea markets, garage sales, Craigslist, or other people or community sales. However, my main source was Thrift Stores. Second hand stores like Goodwill or Salvation Army are constantly getting a new supply of clothes donated to them. You can often find name brand or designer labels on these racks. The great part is that these Thrift stores are not in business of trying to appraise what everything is worth, they are just trying to move the merchandise as quickly as possible. As a result, they usually price everything right around the same. So, all mens shirt might be around $2 for example. Or all women’s jeans might be around $4 to $5. It will vary from store to store, but everything is usually pretty cheap. Lots of brands of jeans for example can sell for over $50 a piece on eBay even though they are used. However, its pretty rare to find something of this value. However, being able to buy a piece of clothing for $5 and selling it for $15 to $20 is certainly not that unusual. For example, if you look at some of the completed listings on eBay for used True Religion jeans, or Prada, or Diesel, you will see many of them going $50 to $100 or maybe even more. KNOW THE RESELL PRICE BEFORE YOU BUY However, as I quickly learned, the key to being successful in selling used clothes is knowing what will sell before you buy it. This can be a very difficult task because there are literally hundreds of brands. Also, some brands tend to do well with women and others do well with men. So, you really have to do your homework. Used clothes is not something that is going to start a bidding war (unless they are vintage or collectible for some reason). So make sure your minimum bid is high enough to get the profit you’re wanting. PROFIT POTENTIAL? In addition, the buyer will pay the shipping costs, so make sure you don’t underestimate how much it will cost to package and ship or you will start eating into your profits. I think this potential is even better if you’re just looking for some part time income. There’s a great opportunity here for ambitious college students, stay-at-home parents, or people on the hunt for a job. If you’re just wanting to get your feet wet into entrepreneurship, this is as good of a start as any. However, if you really want to make decent profits selling used clothes, you will probably need to open a retail location. If you can get a store front and sell used designer or vintage clothing to customers in person, you can easily double the price that you would charge on eBay. Part of the reason is that people won� ... https://www.youtube.com/watch?v=EsQrae8p4qc

If seeking a private/business consultation: Contact me via email To support financially: akriveiaholdings@gmail.com Transferwise Donations: investmentssocrates@gmail.com Support me on Patreon: https://www.patreon.com/vikingtravele...​ Bitcoin donations-bc1qdhd6hwjs4rea9e02e335ewl2mj9ju2cnlyk6gj Can the United States have a draft? Theoretically, yes, but the possibility of that happening is slim. Fleury says that by law, the government can require only that men register. The government would need to enact new legislation to actually put men in arms. "I would also say that the likelihood of a draft is astronomically small," Fleury says. "It’s militarily impractical and politically toxic." Winkie says a draft is meant to be activated in an extreme emergency and that even a full-scale war with Iran right now would probably not meet the necessary threshold to justify reactivating the draft. "In this current geopolitical situation, there's almost zero chance unless somehow we end up in a large-scale ground war directly with Russia or China," Winkie speculates. That's because he says we currently have enough people in the military to serve should there be a war with Iran. Do all 18-year-olds have to register for selective service? Short answer: If you're male, yes. Men between the ages of 18 and 25 are legally required to register for the selective service. This happens automatically in many states when men obtain their driver's licenses, says Winkie. Applying for college financial aid is another way to register. The law says you have up until 30 days after you turn 18 to register, but there is a grace period that allows you to register up until the last day of your 25th year. Failing to register may lead to fines, possible imprisonment and not being eligible for certain benefits. Who is exempt from selective service? Men who are not between the ages of 18 and 26. That's about it. If you are a permanent resident, regardless of citizenship status, you are expected to register for the selective service, says Winkie. But just because you're registered does not mean you will automatically have to serve in the military if a draft is reinstated. "If you have a physical or mental condition that keeps you from serving, that'll be decided after you're drafted," Winkie says. "Same goes for people who are dual nationals. If they decide they don't want to draft Iranian Americans for such a conflict, they'll determine that after they draft you." Transgender people are prohibited from openly serving in the U.S. military, but trans women are still required to register for the draft because they were originally assigned a male at birth, says Winkie. When was the last U.S. draft? The last men to be drafted were those drafted in December 1972 for ... https://www.youtube.com/watch?v=bd40X1W2c_s

1. A lawyer understands your business It is the job of an attorney hired by you to review the history of your business, ask you some basic questions, and also advise you on business legal matters. It is natural for him to already know all required details related to your industry, the business model, policies, sales figures, and other important information. He will be in a better position to understand your business as well as the legal matters related to it. 2. Contracts While running a small business or handling a immigration matter, it is natural for you to prepare and also review contracts from time to time. It is not possible for any businessman to create any contract on his own without taking the help of an expert who will understand all important aspects of the business you are in. For instance, if you blindly sign of on any legally binding document, your company could face dire consequences in the near future. Consequently, it is important to work with a competent and experienced lawyer who can help you review and clarify any question that you might have. An attorney will help you prepare contracts for a business and also negotiate the best possible terms of an agreement before signing more documents. 3. Hiring employees It is of prime importance to engage a business-immigration lawyer for your small business before you are planning to hire the first employee for your company. It does not matter whether that employee is a full-time or a part-time staff. Business lawyers can play an important role in guiding you on the important regulations, codes, and also laws related to hiring workers in your organization. 4. Taxes and other important licenses Although your business lawyer might not want to provide you with detailed tax advice, he will help you understand the possible tax consequences of your business transactions and also your business entity. He will help you obtain federal as well as state tax ID numbers and will ensure that you are properly licensed for running this business. It is definitely a great thing to generate a considerable amount of money, but once you need to face any issue related to tax it can easily ruin the smile on your face. 5. Help you understand the business laws better Being a business owner, it is not possible for you to comprehend every aspect of your business regulations. However, this does not imply that you’ll be given a free pass in case you violate any regulation unintentionally. In fact, ignorance cannot be an excuse when it comes to the violation of any business regulation. The complexity and depth of the law demand expert attention which can only be provided by an experienced lawyer out there. ... https://www.youtube.com/watch?v=0iyBfhqYZFE