Below are the tax tables for 2016

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Below are the Education funding limits for 2016

 

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Below are the Gifting Limits for 2016

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Financial Calculators:

 

http://www.investopedia.com/ask/answers/04/040104.asp

The 'Rule of 72' is a simplified way to determine how long an investment will take to double, given a fixed annual rate of interest. By dividing 72 by the annual rate of return, investors can get a rough estimate of how many years it will take for the initial investment to duplicate itself.

Read more: What is the 'Rule of 72'? | Investopedia http://www.investopedia.com/ask/answers/04/040104.asp#ixzz4NOsZqFkW 
 

http://www.investopedia.com/articles/retirement/062716/how-use-active-and-passive-investing-retirement.asp

Passive management through buying and holding low-cost funds is the most widely recommended investment strategy for retirement. This option makes sense for the typical investor, because it doesn’t require advanced investing knowledge or take a lot of time, can help minimize emotion-based investment decisions, and ensures that investment fees don’t significantly reduce investment returns. In addition, passively managed funds generally outperform their actively managed counterparts, especially over longer time periods.

Read more: How to Use Active and Passive Investing for Retirement | Investopedia http://www.investopedia.com/articles/retirement/062716/how-use-active-and-passive-investing-retirement.asp#ixzz4NRPY9Sv0 
 

http://www.investopedia.com/articles/investing/091015/statistical-look-passive-vs-active-management.asp

 

Finimize’s daily financial news service provides easy-to-digest, brief and valuable market information straight into your inbox and is a great tool for anyone interested in the financial markets and investing. I personally use their service and highly recommend it to both investment newbies and my friends in banking. Click here to sign up to it!

The aim of Smart Money Smart Living is to empower millennials to learn how to manage their money, get out of debt and invest their money to achieve financial freedom. A key element of that is to use the best possible financial solutions to help you manage your money. Hence, I have created a list of smart money management options that offer better solutions than traditional financial institutions. This list is composed of products and services that I either regularly use, have used or have trialed and can therefore highly recommend.

 

Cheap International Money Transfers with TransferWise

TransferWise is an international money transfer service based in the U.K. that allows you to “save up to 89% on your international payments” compared to what banks charge. I personally use their service regularly and high recommend it! Their easy-to-use mobile app and web-based platform make international money transfers extremely easy to execute and you are no longer forced to pay the offensively high fees, which your high street bank would charge you for this sort of transaction.

 

Digital & Mobile Banking (US) with Simple

Simple is a leading digital bank based in the United States. Simple offers mobile and online banking services which include FDIC-insured checking accounts, a visa debit card, automatic budgeting & saving tools and wire transfers without charging any fees. With their user-friendly smartphone app and web-based platform they make financial management and budgeting extremely easy and are one of the few banks in the United States that offer no-fee banking.

 

Peer-To-Peer Lending (US) with LendingClub

Peer-to-peer (P2P) lending refers to a method through which individuals and small businesses can borrow money from individuals without the use of a traditional financial intermediary. This enables financing for those who are finding it hard to secure a loan from a bank. On the other hand, individuals who lend money through peer-to-peer platforms can generate strong fixed interest returns, with low transaction fees and a low correlation to stocks and bonds, which makes P2P lending an excellent alternative investment asset class. LendingClub is one of the leading peer-to-peer lending platforms in the United States. Whether you are looking for a loan or a fixed interest investment, Prosper provides you with a transparent way of borrowing or lending money at reasonable interest rates.

To access your accounts, login with the appropriate custodian by clicking the name below. If you have questions about the account access procedure, contact our offices at 917-960-8783.

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Retail money market funds and CD APY's for comparison