Melissa Horton is a financial literacy professional. She has 10+ years of experience in the financial services and planning industry. Robert Kelly is managing director of XTS Energy LLC, and has more ...

Many top tax prep companies have a free tier for filers with a simple tax return, the most basic version you can file. A simple return is typically prepared using IRS Form 1040, with income from a ...

Elvis Picardo is a regular contributor to Investopedia and has 25+ years of experience as a portfolio manager with diverse capital markets experience. Suzanne is a content marketer, writer, and ...

SIMPLE IRAs are for self-employed or small businesses with under 100 employees. You can contribute yearly up to $16,500, rising in 2026 to $17,000. Withdrawals before age 59 1/2 incur taxes and may ...

SIMPLE IRAs let self-employed and small business employees save for retirement tax-efficiently. In 2025, you can contribute up to $16,500; those 50+ can add up to $3,500 more. Explore other plans like ...

Indicator species are living organisms that tell us that something has changed or is going to change in their environment. They can be easily observed, and studying them is considered a cost-effective ...