Whether you’re a President Donald Trump supporter or critic, his modus operandi is probably obvious to everyone. He promotes big ideas – preferably with his name on them for posterity – but leaves it to others to figure out the details. With that in mind, let’s evaluate the Trump Account, his new signature savings program…
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In a previous article I discussed what can happen when the concentration of a stock in an investment portfolio has become too high. The simplest solution is to sell some amount of the stock and pay the taxes, reminding yourself how much the stock’s growth (even after taxes) has increased your wealth. But there are…
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It’s currently tax season again. Last year at this time I reported on unusual bogus tax deductions that various miscreants tried to get away with. This year I thought I’d provide the opposite: deductions that you might be surprised to discover are legal. Thanks to TurboTax and AARP for the information! The IRS allows numerous…
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For those unfamiliar with the term, a Roth conversion involves moving money from a tax-deferred traditional IRA (IRA) to a tax-free Roth IRA (Roth). You’ll pay taxes on the amount transferred but from that point on the amount will grow tax-free for the rest of your life (and even for ten years of a subsequent…
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Since tax payment season is just around the corner, I thought I’d share some common misperceptions about your federal taxes. Getting refunds is better than owing taxes. False. A refund is nothing more than a zero-interest loan you made to the government. It’s better to owe them money. But not too much. If you owe…
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At the tail end of December President Biden signed into law the Secure Act 2.0 as part of the $1.7 trillion Consolidated Appropriations Act of 2023. Its name represents an extension of the 2019 Setting Every Community Up for Retirement Enhancement (SECURE) Act that was the Federal government’s first major retirement-focused legislation since 2006. Secure…
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