The Tech center itself, while generally overpriced, still presents a very viable area for growth provided that you buy leaders selectively during market corrections. Simply stated, Technology is the future, it's where growth is going to be. A traditional IRA is paid for with pre-tax money. Any earnings will accrue tax-deferred until you begin to withdraw. A Roth IRA has deposits made with post-tax dollars.
All benefits accure tax-free.
Flat out no. High IP ratios indicate very high risk. No single website, there are too many of them. There are two forms of options. The first is an option granted by the company to the employees which will allow employees as the option comes due to purchase stock at the price that was set when the option was granted.