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How to Begin Online Stock Trading
<html>The number of investors that have been drawn to trading stocks online in recent years has risen significantly, and investors that rely on full service brokers have been on the decline. Online stock trading provides self-directed investors the ability to trade stocks for just a fraction of the cost of a traditional full-service broker and most platforms are easy enough to use. The combination has made online trading very popular among investors. Setting Up Online Trading Accounts In order to trade stocks online,Exactly Why Choose Managed Hosting,Nike Jaguars 89 Lewis Game Women Jerseys, investors need to open up an account with one of the many online discount brokers. There are a number of good ones to choose from and most firms charge somewhere in the range of $4 to $20 in commissions to execute a trade. To open an account, some basic information must be provided and the account holder must sign several documents accepting responsibility for the activities conducted in the account. To open an account,Submitedge Reviews; Learn What All the Fuss is Abo, the holder must be at least 18 years of age and have the legal capacity to enter into a contract. Funding Online Trading Accounts Before trading can begin, the account must be funded. There are several ways to fund an account. Traders can simply write a check from another financial institution or one can transfer securities that were being held with another online brokerage into the new trading account. Obviously,A Herbal Remedy for Panic Attack-4 Hidden Safe Her, the account must have a cash balance of sufficient size to cover any trades. Online Trading Stock Orders When buying or selling a security, investors can either place a market order or a limit order. A market order is the current price of the stock while a limit order is a specific price at which the investor is willing to buy or sell the stock. Market orders are almost always executed more quickly than limit orders. Depending on the volatility of a stock's price and the limit set on the purchase or sale price of that stock, the order can be executed quickly or not at all. Orders that do not get executed expire at the end of the trading day. Bid and Ask Price The bid is the price at which someone is willing to pay for a security while the ask is the price someone is willing to pay for the security. In a stock with high volume,Nike Vikings 69 Allen Camo Elite Jerseys, the spread between the is usually quite small. If a stock is very lightly traded, the bid and ask spread can be much larger.</html>
WASHINGTON- A break for smokers- Glitch may limit penalties
<html>WASHINGTON They huddle outside office buildings and they can't satisfy their nicotine cravings by lighting up on planes and trains, but now smokers could be getting a break from an unlikely source. A glitch involving President Barack Obama's health care law means smokers may get at least some relief next year from tobacco-use penalties that could have made their premiums unaffordable. In yet another health care overhaul delay, the administration has quietly notified insurers that a computer system problem will limit penalties that the law says the companies may charge smokers. A fix will take at least a year. Older smokers are more likely to benefit from the glitch, experts say. But depending on how insurers respond to it,The Ways to Delete History from Computer, it's also possible that younger smokers could wind up facing higher penalties than they otherwise would have. Some see an emerging pattern of last-minute switches and delays as the administration scrambles to prepare the Oct. 1 launch of new health insurance markets for people who don't have job-based insurance. Last week, the White House unexpectedly announced a one-year postponement of a major provision in the law that requires larger employers to offer coverage or face fines. The smokers' glitch is "a temporary circumstance that in no way impacts our ability to open the marketplaces on Oct. 1," Health and Human Services spokeswoman Joanne Peters said in a statement. A June 28 HHS document couched the problem in technical language: "Because of a system limitation ... the system currently cannot process a premium for a 65-year-old smoker that is ... more than three times the premium of a 21-year-old smoker," the industry guidance said. If an insurer tries to charge more, "the submission of the (insurer) will be rejected by the system," it added. Starting in 2014, the law requires insurance companies to accept all applicants regardless of pre-existing medical problems. But it also allows them to charge smokers up to 50 percent higher premiums - a way for insurers to ward off bad risks. For an older smoker, the cost of the full penalty could be prohibitive. Premiums for a standard "silver" insurance plan would be about $9,000 a year for a 64-year-old non-smoker,As Sam Sees It- When Will Revenues Rev Up- 0, according to the online Kaiser Health Reform Subsidy Calculator. That's before any tax credits, available on a sliding scale based on income. For a smoker of the same age, the full 50 percent penalty would add more than $4,The UAW Makes Article Marketing Much More Tolerabl,500 to the cost of the policy, bringing it to nearly $13,600. And new tax credits available to help pay premiums cannot be used to offset the penalty. The underlying reason for the glitch is another provision in the health care law that says insurers can't charge older customers more than three times what they charge the youngest adults in the pool. The government's computer system has been unable to accommodate the two. The administration is suggesting that insurers limit the penalties across all age groups. The HHS guidance document used the example of a 20 percent penalty for young and old alike. In that case the premium for a 64-year-old would be about $10,900,Nike Dolphins 22 Bush Blue Women Game Jerseys, a significant cut from the $13,600 if insurers charged the full penalty. Younger smokers and older smokers can still be charged different penalties,Nike Cardinals 4 Kolb Red Women Game Jerseys, but if the total of premiums and penalties is more than three times greater for older smokers, the system will kick it out. Insurers had not expected such limitations. Before the glitch popped up, experts said the companies would probably charge low penalties for younger smokers, and much higher ones for older ones. "Generally a 20-year-old who smokes probably doesn't have much higher health costs than someone who doesn't smoke in any given year," said Larry Levitt, an insurance market expert with the nonpartisan Kaiser Family Foundation. "A 60-year-old is another story." It's unclear what insurance companies will do. Another workaround for the companies would be to charge the full penalty to both younger and older smokers. In that case, there wouldn't be any savings for older smokers, and younger ones would see a big price shock. Levitt said he suspects insurers will keep the penalties low to sign up more young people. That's happened so far in three states, he added. But health care industry consultant Bob Laszweski said he thinks insurers will do the opposite, hitting young and old with high penalties. "It's going to throw cold water on efforts to get younger people to sign up," he said. Workers covered through job-based health plans would be able to avoid tobacco penalties by joining smoking cessation programs because employer plans operate under different rules. That option is not guaranteed to smokers trying to purchase coverage individually, prompting 10 states already to limit what insurers can charge smokers buying individual coverage.</html>