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How to divvy up assets as you head for retirement

How to divvy up assets as you head for retirement

As reported in the LA Times, “How to divvy up assets as you head for retirement.” Choosing how to invest retirement savings often ends up being a dartboard exercise for younger people, because it all seems so theoretical. As the date of retirement or semi-retirement gets nearer, however, you begin to realize that your financial […]

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Long-term care insurance: Less bang, more bucks

Long-term care insurance: Less bang, more bucks

As reported in the OC Register, “Long-term care insurance: Less bang, more bucks.” Mary Julia Klimenko thought she was prudent 20 years ago when she invested in a long-term care insurance policy, one she believed would help pay for the care she’d need as she aged. Now she wishes she’d banked the money instead. Her […]

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Puerto Rico study optimistic on job creation under tax breaks

Puerto Rico study optimistic on job creation under tax breaks

SAN JUAN (Reuters) – Tax incentives aimed at spurring Puerto Rico’s economy have created 5,800 jobs in the four years since their enactment, but could create 50,000 more jobs in the next eight, a study commissioned by the island’s government said. The study, released on Tuesday by the economic consulting firm Estudios Tecnicos, said the […]

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3 Tips for Taking the Stress Out of Business Planning

3 Tips for Taking the Stress Out of Business Planning

Good tip from the U.S. Small Business Administration.  If you’ve got a great small business idea, everyone will tell you that you need a business plan. But the process of creating a plan for a business that’s just a spark in your mind can be scary. But writing a business plan isn’t like taking a […]

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Entry-Level Job? It Gets Better – What Experts Say About Making the Most of a First Job

Entry-Level Job? It Gets Better – What Experts Say About Making the Most of a First Job

Entry-Level Job? It Gets Better – What Experts Say About Making the Most of a First Job, as reported in the WS Journal. Long hours, little pay, having to wait for benefits to kick in, being the lowest person on the totem pole. Your first job out of college is likely to be anything but […]

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It Pays to Ask Smart Questions at a Job Interview

It Pays to Ask Smart Questions at a Job Interview

It Pays to Ask Smart Questions at a Job Interview – Hiring Managers Want Job Seekers to Ask, Not Just Answer, Questions, as reported in the WS Journal. By his second interview for a director position at Turtle Wax, a car-care product company based in Willowbrook, Ill., Shawn Batka felt that he’d been able to […]

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Just How Risky Is Your Portfolio? – Here Are Five Ways to Size Up Your Holdings

Just How Risky Is Your Portfolio? – Here Are Five Ways to Size Up Your Holdings

Just How Risky Is Your Portfolio? – Here Are Five Ways to Size Up Your Holdings, as reported in the WS Journal. U.S. stocks are expensive by historical standards and the market has been choppy since mid-September. Nervous? To figure out how much risk you’re exposed to, try looking at your portfolio from five different […]

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Where to Exit the Market Herd

Where to Exit the Market Herd

Editor’s Note: This article appeared in early January, 2015.  The timing and statements still appear true as of today  – – the date of publication. Where to Exit the Market Herd – Simon Constable Suggests Three Contrarian Investment Plays, as reported in the WS Journal. Going with the crowd might have helped in high school, […]

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Investing for the Long Term – How to Play Trends That Will Move Markets for Years to Come

Investing for the Long Term – How to Play Trends That Will Move Markets for Years to Come

Investing for the Long Term – How to Play Trends That Will Move Markets for Years to Come, as reported in the WS Journal. Investors often try to profit by betting on short- and medium-term shifts in stocks and bonds. But the real money comes from anticipating long-term trends, the kinds of changes that take […]

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10 things investors won’t tell you

10 things investors won’t tell you

10 things investors won’t tell you, as reported in the WS Journal. 1. We have no idea what we’re doing… Over the last four decades, the 401(k) plan has replaced the pension as the main form of retirement plan. About 31% of workers had so-called defined contribution retirement plans in 2008, up from just 8% […]

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Washington Alert – CMS concerned of loss of ACA’s premium tax credit; IRS Collection being proactive on payroll taxes; JCT Report onMacroeconomic Effects of the ‘Tax Relief Extension Act of 2015

Washington Alert – CMS concerned of loss of ACA’s premium tax credit; IRS Collection being proactive on payroll taxes; JCT Report onMacroeconomic Effects of the ‘Tax Relief Extension Act of 2015

Federal officials, including those at the Centers for Medicare and Medicaid Services (CMS), are continuing to voice concerns regarding the possibility that up to an estimated 1.8 million households could lose their eligibility to receive the Affordable Care Act’s premium tax credit in 2016. Based on Treasury Department data, these households have been receiving the […]

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The 10 smartest cities in America

The 10 smartest cities in America

The 10 smartest cities in America, as reported in the WS Journal. The pursuit of higher education is more common in America today than in previous generations. According to the National Center for Education Statistics, roughly 41% of Americans aged 18 to 24 were enrolled in a two- or four-year degree-granting institution, far more than […]

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Will Funds Outperform in 2015? – A Few Investment Lessons From Last Year’s Market

Will Funds Outperform in 2015? – A Few Investment Lessons From Last Year’s Market

Will Funds Outperform in 2015? – A Few Investment Lessons From Last Year’s Market, as reported in the WS Journal. As 2015 gets under way, most on Wall Street expect the nearly six-year-old bull market for stocks to keep running. And the long-awaited bear market for bonds seems to be on hold. For mutual-fund investors, […]

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The 5 Essential Job Perks You Should Hold Out For

The 5 Essential Job Perks You Should Hold Out For

As reported in the OC Register in April, 2014: As you prepare to start your new job, don’t leave essential perks on the table. A little bit of negotiating can get you some extras that can make your work a lot more pleasant in the short term and position you for greater success in your […]

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Travel money, organic juice bars, personal trainers: Some employers go above and beyond with perks

Travel money, organic juice bars, personal trainers: Some employers go above and beyond with perks

As reported in the OC Register: When Randy Joyce and his wife, Tammy, spent 10 days in Rome, Florence and Venice three years ago, they fell in love with the pizza and cheese and the small shops and alleyways. One of his favorite memories is of the couple sitting in Florence’s Piazzale Michelangelo at the […]

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Restaurant outlook bleak for 2015: Some expert tips for keeping diners at the table

Restaurant outlook bleak for 2015: Some expert tips for keeping diners at the table

Editor’s Note:  this article brings to mind some of the many, many restaurants that have vanished over the years.  Some of my fav’s, in no particular order:  Ontra Cafeteria; Oskos; Ships; the Luau (at Crestview 4-7077 – what’s that you say?  Pre-area codes, and rotary phones dudes); Hamburger Hamlet; Chicken Delight:  and, of course, the Oscar Meyer […]

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Florida Governor Tells Residents Of Other States: ‘Move Here!’

Florida Governor Tells Residents Of Other States: ‘Move Here!’

TALLAHASSEE, Fla. (Reuters) – Florida Governor Rick Scott will kick off his second term on Tuesday with a blunt warning that he intends to poach people and jobs from other large states that have relatively higher taxes. “I have a message today to the people of New York, Illinois, California, Pennsylvania and others: Move to […]

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Here are 15 economic surprises for 2015 Business leaders predict what we’ll be talking about this time next year.

Here are 15 economic surprises for 2015 Business leaders predict what we’ll be talking about this time next year.

As reported in the OC Register: Think back a year ago. Did anybody see consumers rewarded with cheap money and cheap gasoline – along with a healthy economy – nicely wrapped under the 2014 economic Christmas tree? It’s a good lesson that it’s one thing to predict economic trends – the high-probability business patterns we […]

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Bits ’n Pieces – Mortgages, Consumer Debt Relief, Deflation, Budget Gap, U.S. Manufacturing

Bits ’n Pieces – Mortgages, Consumer Debt Relief, Deflation, Budget Gap, U.S. Manufacturing

As  reported in the WS Journal: A Surge in Mortgages The moribund mortgage market sprang back to life this month after a drop in interest rates to levels not seen in almost two years sent borrowers rushing to lock in cheaper loans. Mortgage applications rose a seasonally adjusted 49% in the week ended Jan. 9 from […]

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How to Keep Your Portfolio on Track – Thirty-One Rules to Guide Your Investments This Year

How to Keep Your Portfolio on Track – Thirty-One Rules to Guide Your Investments This Year

How to Keep Your Portfolio on Track – Thirty-One Rules to Guide Your Investments This Year, as reported in the WS Journal. Looking to improve your money management in 2015? Here are 31 rules for the financial road ahead. They’re excerpted from the “ Jonathan Clements Money Guide 2015,” which covers financial topics from retirement […]

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Meet Paul Raymond

Meet Paul Raymond

Mr. Raymond is a sought after speaker in tax controversy law by many attorney, accountant, and business groups and at the request of the Internal Revenue Service, has presented programs at the IRS Nationwide Tax Forum, attended by tax professionals throughout the United States.

Additionally, he continues to be an active member in the Section of Taxation, American Bar Association, where he was the Past Chair of the Employment Taxes Committee.

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