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Important note: Information in these articles were deemed accurate by the author when written. The state of the art or law may have changed since the publication date. You must seek your own counsel to determine whether the law or its interpretation has changed, as well as the appropriate application to you and your situation of the information and ideas contained in these articles.
• Housing Crash: still a bubble, but (maybe) some can buy
• “Use” tax: CA gets tougher, but more realistic
• Spring Cleaning: How long should records be kept?
• Draconian penalties and foreign income & assets
• Broker elections for stocks & mutual fund sales
• Why higher taxes on the “wealthy” reduce wealth for all
• Increase the odds of surviving a tax audit with good record-keeping
• Computer-generated single-issue audits become more common
• Mail and e-mail scammers and spammers
• Client survey results and who do we think like?
• Earthquake Insurance: Time to buy?
• Dear Doug: Should I buy gold with IRA funds?
• Medicare premium surcharge: Another reason for Roth conversions
• Dear Doug: Confused over Roth conversions vs. Roth contributions
• Dear Doug: What if I need converted funds?
The Wealth of Individuals Part 8:
• "Income Averaging" is back via Roth conversions
Those with even a modest pension and IRA are often subject to exorbitant tax rates due to the way Social Security benefits are added to income. Roth conversions can greatly reduce the overall lifetime tax bite.
• Social Security, a flawed annuity, is what we have: use it wisely
Only 5% delay the start of Social Security past age 66 when, mathematically, at least 50% should do so. Are you among that half?
• Direct donations from IRAs can save many $s
• What is a libertarian: part 3, on compromise
• CA gets to vote on raising taxes: think first
• Audit and tax-collection stories
• Yet more myths of Roth conversions
• Incentivizing medical consumers: my story
• The Party’s Over—It’s Time to Accept It
• A Libertarian View of Wealth, Debt and the Limits of Government
• Is an LLC Right For You?
• Take Your Capital Gains?
• A Vote Against Unproductive Debt
• Doug tells his story
• Just what kind of “-ism” are we suffering with?
• The philosophy of a free market thinker
• The arrogance of some government officials
• Try to plan? Good luck!
• Roth IRAs as a tax shelter
• The unmatched flexibility & other advantages of Roth conversions
• Clients who should have called, but didn't
• Bankers & brokers I’d like to hurt
• 110% tax rates hit home
• Making Work Pay credit and kids
• Dick and Jane do finances
• Bubbles and Swan Dives
• New Workers’ Credit can Result in Underwithholding
• Wealth of Individuals, Part 6: Nothing is Forever
• Auto Donations: Kars 4 Kids
• More of Others’ Thoughts
• The only way to buy a timeshare
• Wealth part 5: when is 2% a fabulous return?
• CA puts the screw to savers and entrepreneurs
• My favorite blogs and Internet sites
• The economy, and history repeats itself
• Tax savings isn’t always worth the costs
• Other new tax laws, including some serious warnings
• CA voters get schizophrenic on out-of-control spending
• Problems and opportunities with refinancing
• Thoughts on the economic mess
• Assessing your tolerance to risk
• The alchemy of mutual fund profits
• Inherited assets can be mined for losses
• Contribution histories for Roth IRAs
• FoRGeD errors
The Wealth of Individuals - Part 3
• Wealth grows in spurts
• Many, including Social Security recipients, should consider Roth conversions
• Preventing future economic meltdowns
...Wealth and Crisis...
The Wealth of Individuals - Part 2
• How is wealth created?
• Socialism + crony capitalism = economic meltdown
• Dear Barack
• Dear John
The Medical Conundrum
• The importance of flexibilty
• Regulation is the problem; freedom is the cure
• Ranking the U.S. 37th in the world is political propoganda
• Alcoholics get away with murder. How?
• Are Health Savings Accounts better than IRAs?
• Elder Abuse and other financial thuggery
• Are reverse mortgages right for you?
Updates on contributions to retirement plans and health savings accounts
• Real estate succumbs to perfect storm
• Simplified recordkeeping simplified
• Real tax brackets for low income earners
• High-income earner Roth strategy
• Retiree-IRA-charity strategy
• Low-income IRA strategy
• How to take title to real estate
• Lower tax rates increase tax collections
• Prop. 82 will fail in its objectives and exacerbate
• California’s financial problems
• Towards a better understanding of Roth IRAs
• It’s deductible and saves zero tax. Huh?
• Real estate on the precipice
• How the new Bankruptcy law could affect all of us
• The Roth 401(k) and you
• Congressman notices the AMT
• Tax Myth of the Month: IRA confusion
• Misleading financial advertising
• Simplify your recordkeeping
• A cure for the high cost of medical care
• California government needs tough love
• Understanding the Alternative Minimum Tax
• Additional depreciation for some
• Covert tax brackets: false advertising
• Letting inflation do the work of Congress
• Letters to Doug: does collective social mood determine events?
