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Nadia Ahmad CEPF®

Personal Finance Expert

Nadia Ahmad is a Certified Educator in Personal Finance (CEPF®) and a member of the Society for Advancing Business Editing and Writing (SABEW). Her interest in taxes and grammar makes writing about personal finance a perfect fit! Nadia has spent ten years working as a seasonal income tax assistant, researching federal, state and local tax code and assisting in preparing tax returns. Nadia has a degree in English and American Literature from New York University and has served as an instructor/facilitator for a variety of writing workshops in the NYC area.

Posts by Nadia Ahmad CEPF®:

by Nadia Ahmad CEPF® Sep 14, 2022

Investors must pay capital gains taxes on the income they make as a profit from selling investments or assets. The federal government taxes long-term capital gains at the rates of 0%, 15% and 20%, depending on filing status and income. And short-term capital gains are taxed as ordinary income. Some states will also tax capital gains. A financial advisor could help you figure out your tax liability and create a tax plan to maximize your investments. Read more

by Nadia Ahmad CEPF® Jul 06, 2022

Investing is all about making your money work for you — getting money without having to actually perform labor.  But what some investors may initially neglect to take into account is the fact that investment gains mean investment income, and investment income means taxes on investment income. A financial advisor could help you create a tax plan to maximize your investments. Let’s break down the tax rates for your capital gains in 2022 and 2021. Read more

by Nadia Ahmad CEPF® Mar 31, 2022

Whether you’ve been aware for some time that you’ll eventually need to pass on a substantial amount of wealth to loved one, or you’ve more unexpectedly come into a large sum of money and don’t know how to plan for its future, wealth transfer is an important process to be aware of and have a plan for. Although independent research is useful to get you started, speaking to a professional financial advisor could help you get the best handle on how to go about moving your money in this way. Read more

by Nadia Ahmad CEPF® Mar 31, 2022

Short-term care encompasses services that people usually need when they are unable to take care of daily activities on their own, including services involving stays in an assisted living facility or… Read more

by Nadia Ahmad CEPF® Mar 31, 2022

Investing for your children might be a strange concept to grasp – children don’t usually have income, so why would they need you as a caretaker to add yet another financial responsibility to your… Read more

by Nadia Ahmad CEPF® Mar 31, 2022

A restricted stock unit (RSU) is a form of common stock that a company promises to deliver to an employer at a future date, depending on various vesting and performance conditions. Restricted stock… Read more

by Nadia Ahmad CEPF® Mar 31, 2022

The general rule for financial advisor fees is about 1%. More specifically, according to a 2019 study by RIA in a Box, the average financial advisor firm fee is equal to 1.17% of assets under… Read more

by Nadia Ahmad CEPF® Feb 24, 2022

Planning for retirement can be overwhelming, because it involves figuring out a plan for your money that is supposed to have last you for a long period of time, and often involves sorting things out… Read more

by Nadia Ahmad CEPF® Jan 07, 2022

Employee benefits can cover many types of perks that a worker can receive from a company — including health insurance, paid time off, family leave, professional development and more. For employees… Read more

by Nadia Ahmad CEPF® Oct 27, 2021

Understanding what you need to support your loved ones during and after your life can be a daunting task. Especially when it comes to the issue of assets and finances. Many people take steps like… Read more

by Nadia Ahmad CEPF® Oct 27, 2021

Both guardianship and custody describe legal relationships between an adult and a child. Custody refers to a child’s biological parents, whereas guardianship would be given to a non-biological parent… Read more

by Nadia Ahmad CEPF® Oct 27, 2021

Both power of attorney and guardianship are forms of fiduciary relationships in which one person acts on behalf of another. They are tools you can use to name somebody who can act for you if you… Read more

by Nadia Ahmad CEPF® Oct 27, 2021

Caring for one’s own financial situation is a key part of one’s own independence. But there are some cases where a person needs help making legal and financial decisions. That’s where the concept of… Read more

by Nadia Ahmad CEPF® Oct 26, 2021

After-hours trading happens outside the standard hours during which a stock exchange (such as the Nasdaq or New York Stock Exchange) is open. This trading can fall under post-market trading, which… Read more

by Nadia Ahmad CEPF® Oct 26, 2021

An investment consultant is a financial professional who advises clients on financial goals. They support both individual and larger business clients in setting and meeting these short- and long-term… Read more

by Nadia Ahmad CEPF® Oct 26, 2021

A wealth advisor is a type of financial advisor who serves mostly high-net-worth and ultra-high-net-worth individuals. This means they are usually working with very large amounts money for these… Read more

by Nadia Ahmad CEPF® Aug 29, 2022

If you have enough money, putting some kind of savings aside for both short- and long-term goals is important. After covering general expenses for your daily or monthly budget, an emergency fund… Read more

by Nadia Ahmad CEPF® Sep 28, 2021

The services that fall under long-term care are wide-ranging. In fact, they may be needed for the young and old, as it’s simply for those who have disabilities or debilitating health conditions. Long… Read more

by Nadia Ahmad CEPF® Sep 27, 2021

Long-term care can cover a wide variety of services. The need for it can arise for anyone at any time, regardless of whether they have a disability or are a senior citizen. Long-term care goes beyond… Read more

by Nadia Ahmad CEPF® Sep 27, 2021

Long-term care encompasses a variety of services that may be necessary for people who have disabilities or debilitating health conditions. The need for it can arise for anyone at any time. Long-term… Read more

by Nadia Ahmad CEPF® Sep 20, 2021

Long-term care (LTC) insurance encompasses a variety of services that may be necessary for people who have disabilities or debilitating health conditions. The need for it can arise for anyone at any… Read more

by Nadia Ahmad CEPF® Sep 08, 2021

Housing insecurity and lack of protection from evictions have become even more pressing due to the COVID-19 pandemic. According to a March 2021 report from the Consumer Financial Protection Bureau … Read more

by Nadia Ahmad CEPF® Jul 20, 2021

The nationwide median monthly rent in 2019 was $934 for a studio apartment and $953 for a one-bedroom, according to Census Bureau data. This can add up to anywhere between about $11,200 and $11,400… Read more

by Nadia Ahmad CEPF® May 04, 2021

Cryptocurrency such as Bitcoin relies on the use of both public and private keys, the first of which allows the receipt of cryptocurrency transactions and the second of which allows the owner to… Read more

by Nadia Ahmad CEPF® May 04, 2021

If you’re an investor who is otherwise familiar with trading strategies involving futures and options, you may have wondered whether futures trading applies to cryptocurrency too. The good news is… Read more