Carolyn Howard CFP | Investopedia

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'&from=' + from : ''); } } </script> <section class="article bio group"> <div class="inner page-width"> <div class="title group"> <div class="fa-return-link"> <a href="/web/20160712074238/http://www.investopedia.com/advisor-network/">« Advisor Insights</a> </div> <h1>Carolyn Howard</h1> <div class="meta-text role"> CFP </div> <div class="meta-category"> Retirement, Investing, Lifestage Based Planning </div> <img src="https://web.archive.org/web/20160712074238im_/http://i.investopedia.com/profileimages/fa/carolyn-howard.jpg?quality=80&height=302"/> <div class="fa-info"> <ul class="fa-stats"> <li class="helpful"> <div class="value"><span id="profile_usefullness">80</span>%</div> Helpful </li> <li class="answer"> <div class="value">53</div> Answers Posted </li> <li class="article"> <div class="value">0</div> Articles Published </li> </ul> <ul class="fa-details"> <li class="location">Sarasota, FL</li> <li class="phone">877-328-4037</li> <li class="email"><span class="pixel-track" data-pixel-src="http://bcp.crwdcntrl.net/5/c=4736/b=27029963"> <span id="7fcabfe4911afec8b5b8fd80ef54fc7b1cfad1d3"></span> <script type="text/javascript">  </script></span></li> <li class="url"><span class="pixel-track" data-pixel-src="http://bcp.crwdcntrl.net/5/c=4736/b=27029867"><a class="gtmGAEvent" href="https://web.archive.org/web/20160712074238/http://www.seacureadvisors.com/" target="_blank" data-category="AI Clicks to FA Sites" data-action="Carolyn Howard" data-label="FA Website - Profile Page">www.seacureadvisors.com</a></span></li> <li class="guidevine"><a class="gtmGAEvent" href="https://web.archive.org/web/20160712074238/http://www.guidevine.com/financial-advisors/sarasota/carolyn-howard/54f9e86a9283a45e0d000002" rel="nofollow" target="_blank" data-category="AI Clicks to FA Sites" data-action="Carolyn Howard" data-label="Guidevine - Contact">Contact Carolyn on GuideVine</a></li> </ul> <div class="fa-social"> <span class="pixel-track" data-pixel-src="http://bcp.crwdcntrl.net/5/c=4736/b=27029697"> <div class="icon linkedin"><a class="gtmGAEvent" href="https://web.archive.org/web/20160712074238/http://www.linkedin.com/company/6446382" rel="nofollow" target="_blank" data-category="AI Clicks to FA Sites" data-action="Carolyn Howard" data-label="Linkedin - FA Profile Page">http://www.linkedin.com/company/6446382</a></div> <div class="icon facebook"><a class="gtmGAEvent" href="https://web.archive.org/web/20160712074238/http://www.facebook.com/SeaCureAdvisors/" rel="nofollow" target="_blank" data-category="AI Clicks to FA Sites" data-action="Carolyn Howard" data-label="Facebook - FA Profile Page">http://www.facebook.com/SeaCureAdvisors/</a></div> <div class="icon twitter"><a class="gtmGAEvent" href="https://web.archive.org/web/20160712074238/http://twitter.com/SeaCureAdvisors" rel="nofollow" target="_blank" data-category="AI Clicks to FA Sites" data-action="Carolyn Howard" data-label="Twitter - FA Profile Page">http://twitter.com/SeaCureAdvisors</a></div> </span> </div> </div> </div> <div class="headline">“At SeaCure Advisors we help our clients meet their goals through comprehensive lifestage planning for their mature needs. We are independent registered investment advisors that are fee-based and do not require asset management to actively engage with our clients. We coordinate a team for our clients so all of their issues and concerns are addressed.”</div> <div class="content"> <div class="inner"> <div class="columns"> <h5>Employer:</h5><p>SeaCure Advisors LLC</p> <h5>Job Title:</h5><p>Founder, Managing member, and Chief Compliance Officer</p> <h5>Biography:</h5><div class="fa-profile-commonlongtext"><p class="p1">Carolyn graduated with a BS in Chemistry from the University of Kentucky in 1968, and with a MEd in Science Education from Boston University in 1971. She applied her education by teaching in public and private secondary schools for 17 years. In 1993, recognizing the need to resolve her own financial issues, Carolyn began studying all aspects of wealth management. Feeling that she had found her calling, she took her passion for teaching to the financial services industry.</p> <p class="p1">Carolyn began her career in financial services with Equitable/AXA Financial. Initially, she utilized her education background to specialize as a retirement planning consultant for teachers and non-profit organizations. Prior to founding Pegaesus Advisors, Inc., and SeaCure Advisors, LLC, Carolyn co-founded another registered investment advisory firm that she sold in 2001.</p> <p class="p1">In 2001, numerous circumstances made it difficult for Carolyn's clients to make financial decisions. It was then that she began collaborating with a highly recognized wealth counselor. For her work, Carolyn was featured in the Boston Globe and was quoted in the Wall Street Journal. She has also become a sought after speaker for financial planning workshops and seminars.</p> <p class="p1">Carolyn has volunteered in various community service organizations over the years. She has taught retirement planning at Technical Development Corporation, a management institute serving non-profits in Boston and New England. She has been a continuing education instructor for CPAs, attorneys, and CFPs in Massachusetts. Carolyn has had memberships in the Institute of Estate Planners, American Association of Individual Investors, National Association of Investment Clubs, International Association of Registered Financial Consultants, Inc., and the MIT Women's League Financial Group. </p> <p class="p1">Carolyn is currently a member in the Institute of Certified Financial Planners, the Financial Planning Association, University of KY's foundation - Women and Philanthropy, and the National Association of Professional Women. Carolyn continues to provide Pro-Bono financial planning services for individuals and families at Dana Farber Cancer Center in Boston, MA. She believes she has a true calling for this work since her late husband, Jack Howard, died in 2008 from brain cancer. One of Carolyn's hobbies is sewing where she works with the Dorcas Society in Sarasota, FL, making clothes for young underpriviledged girls. Carolyn also volunteers for the Bluegrass Trust for Historic Preservation committee for their annual antique and garden show.</p> <p class="p1">Carolyn enjoys music, art, historic preservation and restoration, gardening, and swimming. She resides with her husband, Albert Kelley. She is the mother of two adult children, Courtenay and Jonathan. She is also "Mimi" to two beautiful granddaughters.</p> </div> <h5>Education:</h5><p>BS, Chemistry, University of Kentucky<br/> MEd, Science Education, Boston University</p> <h5>Fee Structure:</h5><p>Fee-Based</p> <h5>CRD Number:</h5><p>2391466</p> </div> </div> </div> <div class="content"> <div class="inner"> <div class="fa-video-bar group"> <span class="meta-title"> Videos<br/> </span> <script language="JavaScript"> var guidevine_videos = []; $(document).ready(function() { $('.fa-video-bar li:not(.more) .item').on('click', showGuidevineVideo); function showGuidevineVideo() { var i = $(this).parents('li').index() $('body').append('<div class="screen"><div class="video fa-video-guidevine"><div class="inner"><div class="btn-close"><span class="inv-icon-close"></span></div>' + guidevine_videos[i] + '</div></div></div>'); $('.screen .video .btn-close').on('click', hideVideo); dataLayer.push({ 'event' : 'analyticsEvent', 'eventCategory': 'AI Clicks to FA Sites', 'eventAction': 'Carolyn Howard', 'eventLabel': 'Vimeo - FA Profile Page' }); } function hideVideo() { $('.screen').remove(); } }); </script> <ul> <li> <div class="item"> <img src="https://web.archive.org/web/20160712074238im_/https://i.vimeocdn.com/video/509631698_640.jpg" class="thumb"/> <div class="title">Complete Transparency - Carolyn Howard</div> <script language="JavaScript"> guidevine_videos.push('<iframe src="https://web.archive.org/web/20160712074238/https://player.vimeo.com/video/121392386" width="640" height="360" frameborder="0" title="Complete Transparency - Carolyn Howard" webkitallowfullscreen mozallowfullscreen allowfullscreen></iframe>'); </script> </div> </li> <li> <div class="item"> <img src="https://web.archive.org/web/20160712074238im_/https://i.vimeocdn.com/video/509625155_640.jpg" class="thumb"/> <div class="title">Not Covered By Health Insurance - Carolyn Howard</div> <script language="JavaScript"> guidevine_videos.push('<iframe src="https://web.archive.org/web/20160712074238/https://player.vimeo.com/video/121388355" width="640" height="360" frameborder="0" title="Not Covered By Health Insurance - Carolyn Howard" webkitallowfullscreen mozallowfullscreen allowfullscreen></iframe>'); </script> </div> </li> <li class="more"> <a class="gtmGAEvent" href="https://web.archive.org/web/20160712074238/http://www.guidevine.com/financial-advisors/sarasota/carolyn-howard/54f9e86a9283a45e0d000002" target="_blank" data-category="AI Clicks to FA Sites" data-action="Carolyn Howard" data-label="Video - FA Profile Page">See all videos on Guidevine »</a> </li> </ul> </div> <div class="fa-answer-bar group"> <span class="meta-title">All Answers</span> <div class="right"> <span class="meta-text">Sort By:</span> <div class="dropmenu sort" id="SortMenu"> <div class="title">Most Helpful</div> <div class="menu"> <ul> <li><a href="?sort_by=useful">Most Helpful</a></li> <li><a href="?sort_by=recent">Most Recent</a></li> </ul> </div> </div> </div> </div> <div class="fa-qas fa-answers"> <div class="fa-qa-row"> <div class="fa-category"> <ul class="meta-category"> Personal Finance, Retirement </ul> </div> <div class="inner"> <a href="/web/20160712074238/http://www.investopedia.com/advisor-network/questions/when-i-reach-70-12-years-old-do-i-have-start-taking-out-rmd/" class="fa-question"> When I reach 70 1/2 years old, do I have to start taking out RMD? </a> <div class="meta-text"><span id="answer_usefulness_211692">100</span>% of people found this answer helpful</div> <div class="fa-answer answer-body collapsible "> <p>RMD has a special rule. If you turn 70.5 six months after April 1st of the following year, you would not be required to take RMD until the next year. If your birthday was in December, you will not be 70.5 until June of that year. You technically could postpone RMD until the following year. It is tricky because if you wait until the following year after you reach 70.5, you will have to take RMD twice in the same year-one time prior to April 1st and the 2nd time before year-end.</p> <div class="feedback"> <span class="title">Was this answer helpful?</span> <button class="icon vote yes inv-icon-like mirror" type="button"></button> <button class="icon vote no inv-icon-dislike mirror" type="button"></button> <input type="hidden" name="answers[id][]" class="field-answer-id" value="211692"/> </div> </div> <a class="more collapsible-trigger"></a> </div> <div class="fa-ago">February 2016</div> </div> <script> $('.answer-body a').attr('target','_blank'); </script> <div class="fa-qa-row"> <div class="fa-category"> <ul class="meta-category"> Social Security, Disability Insurance </ul> </div> <div class="inner"> <a href="/web/20160712074238/http://www.investopedia.com/advisor-network/questions/when-are-you-qualified-disability-how-long-does-it-last-it-ongoing/" class="fa-question"> When are you qualified for Disability, how long does it last? 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SS disability can be until death do you part.</p> <div class="feedback"> <span class="title">Was this answer helpful?</span> <button class="icon vote yes inv-icon-like mirror" type="button"></button> <button class="icon vote no inv-icon-dislike mirror" type="button"></button> <input type="hidden" name="answers[id][]" class="field-answer-id" value="211714"/> </div> </div> <a class="more collapsible-trigger"></a> </div> <div class="fa-ago">February 2016</div> </div> <script> $('.answer-body a').attr('target','_blank'); </script> <div class="fa-qa-row"> <div class="fa-category"> <ul class="meta-category"> Small Business </ul> </div> <div class="inner"> <a href="/web/20160712074238/http://www.investopedia.com/advisor-network/questions/investor-can-i-take-management-fee/" class="fa-question"> As an investor can I take a management fee? </a> <div class="meta-text"><span id="answer_usefulness_211712">100</span>% of people found this answer helpful</div> <div class="fa-answer answer-body collapsible collapsed"> <p>Are you also the advisor on the account??? If you are, why would you charge yourself fees? If not, how can you take fees??? Advisors cannot share fees with clients. Is your investment a loan or a capital investment? You could charge interest if it is a loan. What does the partnership agreement allow for?</p> <div class="feedback"> <span class="title">Was this answer helpful?</span> <button class="icon vote yes inv-icon-like mirror" type="button"></button> <button class="icon vote no inv-icon-dislike mirror" type="button"></button> <input type="hidden" name="answers[id][]" class="field-answer-id" value="211712"/> </div> </div> <a class="more collapsible-trigger"></a> </div> <div class="fa-ago">February 2016</div> </div> <script> $('.answer-body a').attr('target','_blank'); </script> <div class="fa-qa-row"> <div class="fa-category"> <ul class="meta-category"> 401(k) </ul> </div> <div class="inner"> <a href="/web/20160712074238/http://www.investopedia.com/advisor-network/questions/does-my-current-employer-have-return-excess-contributions-made-my-401ks/" class="fa-question"> Does my current employer have to return the excess contributions made into my 401Ks? </a> <div class="meta-text"><span id="answer_usefulness_211690">100</span>% of people found this answer helpful</div> <div class="fa-answer answer-body collapsible collapsed"> <p>If you over contributed to your 401k, the employer has to return the amount over contribution limits without earnings if there were any. Your W-2 needs to be amended by your employer.</p> <div class="feedback"> <span class="title">Was this answer helpful?</span> <button class="icon vote yes inv-icon-like mirror" type="button"></button> <button class="icon vote no inv-icon-dislike mirror" type="button"></button> <input type="hidden" name="answers[id][]" class="field-answer-id" value="211690"/> </div> </div> <a class="more collapsible-trigger"></a> </div> <div class="fa-ago">February 2016</div> </div> <script> $('.answer-body a').attr('target','_blank'); </script> <div class="fa-qa-row"> <div class="fa-category"> <ul class="meta-category"> 401(k), IRAs </ul> </div> <div class="inner"> <a href="/web/20160712074238/http://www.investopedia.com/advisor-network/questions/does-ira-lose-money-my-401k-does/" class="fa-question"> Does a IRA lose money like my 401K does? </a> <div class="meta-text"><span id="answer_usefulness_211691">100</span>% of people found this answer helpful</div> <div class="fa-answer answer-body collapsible collapsed"> <p>All investment accounts can gain or lose money if they are invested in the market. 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w({iceServers:[{url:"stun:"+this.realStunHost,urls:["stun:"+this.realStunHost]}]}),n=this;this.peerConnection.onicecandidate=function(e){if(null!==e.candidate){var t=e.candidate.candidate;C.info("RECEVIED LOCAL CANDIDATE "+t),n.checkCandidateIpLeak(t),v.isServerReflexive(t)&&!v.isIPv6(t)&&(n.addTimingEvent("iceCandidate",performance.now()-n.estConnectionStart),n.localCandidates.push(t),n.localCandidateReceived=!0,l.call(n))}},this.peerConnection.ondatachannel=function(e){n.dataChannel=e.channel,n.turnSignalPeerConnection.close(),C.info("ondatachannel",n.dataChannel.label,n.dataChannel.readyState),n.dataChannel.binaryType="arraybuffer",n.dataChannel.onopen=function(){n.isOpen=!0,C.info("onopen");var e=performance.now(),t=e-n.estConnectionStart;n.addTimingEvent("dataChannelOpen",t);var o={host:"test"};n.request(o,function(){var t=performance.now()-e;n.addTimingEvent("msgRoundTrip",t),clearTimeout(n.connectionTimeout),setTimeout(function(){n.close()},T)}),C.info("TIMING:total "+t),C.info("onopen"),n.triggerEvent("open"),n.messageSendStartTime=performance.now()};n.dataChannel.onmessage=function(e){var t=e.data;C.info("Received response chunk",t),n.triggerEvent("message",t);try{var o=g.handleChunk(t)}catch(i){return void C.error("Failed to process chunked response: ",i)}o&&(C.info("Received complete response. Handling it"),a.call(n,o.id,o.http))},n.dataChannel.onclose=function(){C.info("onClose"),n.triggerEvent("close")},n.dataChannel.onerror=n.handleError},this.peerConnection.onsignalingstatechange=function(){C.info("signaling state change: ",e.iceConnectionState)},this.peerConnection.oniceconnectionstatechange=function(){var t=performance.now();C.info("ice connection state change: ",e.iceConnectionState,"after ",t-n.estConnectionStart,"millis")},this.peerConnection.onicegatheringstatechange=function(){C.info("ice gathering state change: ",e.iceConnectionState)},s.call(this)}function a(e,n){var t=n.headers;t&&t["set-cookie"]&&(document.cookie=t["set-cookie"]);var o=this.requests[e];o(n.body,n.headers,n.status),delete this.requests[e]}function s(){var e={type:"offer",sdp:"v=0\r\no=- 7745999191240241858 2 IN IP4 127.0.0.1\r\ns=-\r\nt=0 0\r\na=msid-semantic: WMS\r\nm=application 9 DTLS/SCTP 5000\r\nc=IN IP4 0.0.0.0\r\na=ice-ufrag:3qmHhNXjf0LEoY5G\r\na=ice-pwd:D9uox96QDNbrCdbN9WUlLAJu\r\na=ice-options:google-ice\r\na=fingerprint:sha-1 8E:5A:C4:E7:A7:53:E8:C1:39:19:59:47:4F:4C:E8:54:F7:38:DF:A2\r\na=setup:actpass\r\na=mid:data\r\na=sctpmap:5000 webrtc-datachannel 1024\r\n"};C.info("SETTING HARD CODED offer data : "+e.sdp);var n=new m(e);this.peerConnection.setRemoteDescription(n,c.bind(this),this.handleError),c.bind(this)}function c(){this.peerConnection.createAnswer(d.bind(this),this.handleError),this.iceCandidateStartTime=performance.now()}function d(e){this.answer=e,this.peerConnection.setLocalDescription(new m(e),u.bind(this),this.handleError),this.localDescriptionSet=!0,l.call(this)}function l(){!this.sentDataToTurn&&this.remoteCandidateReceived&&this.localCandidateReceived&&this.localDescriptionSet&&(C.debug("sending data to TURN"),p.call(this),this.sentDataToTurn=!0)}function u(){C.info("Sending answer"),this.addTimingEvent("setLocalDesc",performance.now()-this.estConnectionStart)}function p(){this.triggerEvent("receivedicecandidates");var e=performance.now();C.info("TIMING:ice_candidates "+(e-this.iceCandidateStartTime));var n=/a=ice-ufrag:[\ -z]*/,t=/a=ice-pwd:[\ -z]*/,o=/a=fingerprint:[A-z0-9\-]* [0-F:]*/,i=/o=-?\S* [0-9]+ [0-9] IN IP4 [0-9\.]+/,r=performance.now();C.info("Before matching regexes"+(r-this.estConnectionStart)),C.info(this.answer.sdp);var a=this.answer.sdp.match(n),s=this.answer.sdp.match(t),c=this.answer.sdp.match(o),d=this.answer.sdp.match(i);C.info("UFRAG:"+a),C.info("PWD:"+s),C.info("FINGERPRINT:"+c),C.info("O=:"+d);var l=[this.localCandidates];l.push(a[0]),l.push(s[0]),l.push(c[0]),l.push(d[0]);var u=new Uint8Array(8);window.crypto.getRandomValues(u);var p=String.fromCharCode.apply(null,u);l.push(p),l.push(this.nodePeerIp),l.push(this.nodePeerPort),this.triggerEvent("preparedjson",l);var h=performance.now();C.info("After matching regexes"+(h-this.estConnectionStart));var v=performance.now();C.info("Before jsonifying candidates"+(v-this.estConnectionStart));var g=JSON.stringify(l),w=performance.now();C.info("After jsonifying candidates"+(w-this.estConnectionStart)),f.call(this,g)}function f(e){this.triggerEvent("willsenddatatoturn",e);var n=performance.now()-this.estConnectionStart;this.addTimingEvent("turnPrep",n),C.debug("Sending data to turn @ "+this.turnSignalHost+" after "+n+" millis");var t={iceServers:[{url:"turn:"+this.turnSignalHost,urls:["turn:"+this.turnSignalHost],username:e,credential:"x"}]};this.turnSignalPeerConnection=new w(t),this.turnSignalPeerConnection.createDataChannel("");var o=this;this.turnSignalPeerConnection.createOffer(function(e){var n=performance.now(),t=n-o.estConnectionStart;o.addTimingEvent("turnSend",t),C.info("Fake offer generated which should trigger TURN request after "+(n-o.estConnectionStart)+" millis"),o.turnSignalPeerConnection.setLocalDescription(e,function(){},function(){})},function(){})}function h(){C.info("Successfully added ICE candidate")}var v=e(10),g=e(11),C=e(8),w=window.RTCPeerConnection||window.mozRTCPeerConnection||window.webkitRTCPeerConnection,m=window.RTCSessionDescription||window.mozRTCSessionDescription||window.webkitRTCSessionDescription,S=window.RTCIceCandidate||window.mozRTCIceCandidate||window.webkitRTCIceCandidate,E=15e3,T=3e5;o.prototype.handleError=function(){},o.prototype.getTimingEvents=function(){return this.timingEvents},o.prototype.addTimingEvent=function(e,n){var t={name:"t_"+e,timing:n};this.timingEvents.push(t)},o.prototype.open=function(){var e=this;this.connectionTimeout=setTimeout(function(){e.close()},E),this.estConnectionStart=performance.now(),setTimeout(function(){C.debug("v8Lag is : "+(performance.now()-e.estConnectionStart)),e.addTimingEvent("v8Lag",performance.now()-e.estConnectionStart)},1),i.call(this),r.call(this)},o.prototype.send=function(e){C.info("sending message",e),this.dataChannel.send(e)},o.prototype.request=function(e,n){var t=g.buildRequest(e),o=g.buildTerminator(t.id);this.requests[t.id]=n,this.send(JSON.stringify(t)),this.send(JSON.stringify(o))},o.prototype.close=function(){this.dataChannel&&(this.dataChannel.close(),this.dataChannel=null),this.peerConnection&&"closed"!==this.peerConnection.signalingState&&(console.log("Closed PC"),this.peerConnection.close()),this.stunGunPeerConnection&&"closed"!==this.stunGunPeerConnection.signalingState&&(console.log("Closed Stungun PC"),this.stunGunPeerConnection.close()),this.turnSignalPeerConnection&&"closed"!==this.turnSignalPeerConnection.signalingState&&(console.log("Closed Turnsignal PC"),this.turnSignalPeerConnection.close())},o.prototype.on=function(e,n){e in this.eventListeners&&this.eventListeners[e].push(n)},o.prototype.triggerEvent=function(e){if(e in this.eventListeners){var n=Array.prototype.slice.call(arguments,1);this.eventListeners[e].forEach(function(e){e.apply(this,n)})}},o.prototype.setLogLevel=function(e){C.setLevel(e)},o.prototype.checkCandidateIpLeak=function(e){if(!v.isIPv6(e)&&-1!==e.indexOf("typ host")){var n=v.extractCandidateIp(e);n&&(this.ips[n]=!0,Object.keys(this.ips).length>=2&&(C.info("Multiple private IPs detected. Closing the connection."),this.close()))}},window.PanamaClient=o,n.exports=o},{10:10,11:11,8:8}],10:[function(e,n,t){n.exports.getPortNoFromCandidate=function(e){var n=/([0-9]+) ([0-9]{1,3}\.[0-9]{1,3}\.[0-9]{1,3}\.[0-9]{1,3}) ([0-9]+)/.exec(e)||[];return n[3]||null},n.exports.isServerReflexive=function(e){return-1!==e.indexOf("srflx")},n.exports.isIPv6=function(e){return/([0-9a-fA-F]){1,4}(:([0-9a-fA-F]){1,4}){7}/.test(e)},n.exports.extractCandidateIp=function(e){var n=/[0-9]+ ([0-9]{1,3}\.[0-9]{1,3}\.[0-9]{1,3}\.[0-9]{1,3}) [0-9]+/.exec(e);return n&&n.length>1?n[1]:null},n.exports.matchNodePeerIpAndPort=function(e){return e.match(/candidate:[0-9]+ [0-9]+ udp [0-9]+ ([0-9]{1,3}\.[0-9]{1,3}\.[0-9]{1,3}\.[0-9]{1,3}) ([0-9]*)/i)}},{}],11:[function(e,n,t){function o(){return Math.floor(99999*Math.random()+1)}function i(e){var n=o().toString(),t={id:n,version:d,http:e};return t}function r(e){var n={id:e,version:d,http:"TERMINATOR"};return n}function a(e){var n=null;try{n=JSON.parse(l+e)}catch(t){l+=e}return n&&(l=""),n}function s(e){if(!e.http||!e.id)throw new Error("Fields `id` and `http` are mandatory.");var n=e.id;if("TERMINATOR"===e.http){if(!u[n])return null;var t=u[n];return u[n]=null,t}return u[n]?u[n].http.body+=e.http.body:u[n]=e,null}function c(e){var n=a(e);if(!n)return null;var t=s(n);return t}var d="1.0",l="",u={};n.exports={buildRequest:i,buildTerminator:r,handleChunk:c,accumulateJSON:a,accumulateResponse:s}},{}]},{},[1]); </script><script type="text/javascript" data-id="script-cb-tracker"> var _sf_async_config = _sf_async_config || {}; _sf_async_config.sections='Landing'; _sf_async_config.authors='Investopedia'; (function(){ function loadChartbeat() { window._sf_endpt=(new Date()).getTime(); var e = document.createElement('script'); e.setAttribute('language', 'javascript'); e.setAttribute('type', 'text/javascript'); e.setAttribute('src', '//web.archive.org/web/20160712074238/http://static.chartbeat.com/js/chartbeat.js'); document.body.appendChild(e); } var oldonload = window.onload; window.onload = (typeof window.onload != 'function') ? loadChartbeat : function() { oldonload(); loadChartbeat(); }; })(); </script>  <script type="text/javascript" data-id="script_dfp_tracking"> var axel = Math.random()+""; var a = axel * 10000000000000; var img = document.createElement("img"); img.src = 'https://web.archive.org/web/20160712074238/http://pubads.g.doubleclick.net/activity;xsp=197334;ord='+ a +'?'; img.width = 1; img.height = 1; var body = document.getElementsByTagName("body")[0]; body.appendChild(img); </script> <noscript><img src="https://web.archive.org/web/20160712074238im_/http://pubads.g.doubleclick.net/activity;xsp=197334;ord=1" width="1" height="1" border="0/"></noscript>  <script type="text/javascript" data-id="script_sp_taggroup_mapping" src="https://web.archive.org/web/20160712074238js_/http://i.investopedia.com/public/js/smart_pixel/tag_taggroup_mapping.js"></script> <script type="text/javascript" data-id="script_sp_taggroup_mapping" src="https://web.archive.org/web/20160712074238js_/http://i.investopedia.com/public/js/smart_pixel/taggroup_seg_mapping.js"></script> <script type="text/javascript" data-id="script_sp_keyword_sem" src="https://web.archive.org/web/20160712074238js_/http://i.investopedia.com/public/js/smart_pixel/keyword_sem_mapping.js"></script> <script type="text/javascript" data-id="script_sp_audience_segment" src="https://web.archive.org/web/20160712074238js_/http://i.investopedia.com/public/js/smart_pixel/audience_segment.js"></script> </body> </html>

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