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Beyond 401(k) and IRA
Photo credit: malomar You’re contributing as much as you’re allowed to a 401(k) or other employer-sponsored retirement plan. If your income allows it, you’re also contributing the maximum annual amount...
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The Net Investment Income Tax and How to Avoid It
Photo credit: jb In 2013 a new income tax was added – the Net Investment Income Tax. This tax is an additional tax, at the rate of 3.8%, on investment income above certain levels. The Net Investment...
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What Can a Broker Do For You?
Photo credit: jb You have choices when it comes to investing. You can go directly to a mutual fund company (such as Vanguard or T. Rowe Price) and choose investments yourself, or you can use a fee-only...
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The day I was asked if I buy and sell gold
Photo credit: jb I was recently walking down the street and came across a man with a table set up, right on the sidewalk. He had gold and silver coins on it, each in its own special plastic case....
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Why Most People Are So Bad At Stock Picking (and what does Howie Mandel have...
Photo credit: jb You know the old game show “Deal or No Deal”, right? If you aren’t familiar with it, here’s a basic rundown of the premise: the contestant is faced with 26 briefcases, each with a...
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Just Starting Out – Resources to Help With Money Stuff
Photo credit: jb A recent college graduate approached me recently to ask about saving and investing. He had begun investing using one of the micro-brokerage apps, and had a few questions about getting...
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Mistakes With NUA
Photo credit: jb In another article on this site we discussed the concept of Net Unrealized Appreciation, or NUA for short. It’s a complicated affair, fraught with potential mistakes – several of the...
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Bonds and Bond Funds
Photo credit: diedoe There is a question that often comes up when discussing investment strategies, especially for an astute investor who has done some research on various kinds of investments....
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Using Capital Gains and Losses to Help With a Roth Conversion
photo by: jb Most of the time, when analyzing the prospect of a Roth conversion, the best outcome occurs when the tax is paid from non-IRA sources. For many folks this shoots down the entire prospect,...
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No, You Can’t Contribute Stocks to Your IRA
Photo by: jb Have you ever wondered – “Hey, I have this taxable stock account with my favorite stock (or mutual fund, or bond, or CD, or what-have-you). Can I just transfer the stock over to my IRA as...
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