Your 2013 Tax Rate – Understanding Your IRS Marginal and Effective Tax Bracket

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With the 2012 tax season in the rear view mirror, its time to start thinking about 2013 taxes and strategies that you can put in place to minimize taxes owed in 2014.  But before that take some time to familiarize yourself with the new 2013 tax brackets shown below. But, be careful in reading the table below [...]

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Target Date Funds – A Good Retirement Strategy For Those With Limited Time and Investment Expertise

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Target date funds are mutual funds that are professionally managed with asset allocations and risk profiles set to change along a glide path reflecting your target retirement date. For example you would be buy a 2040 target date fund if you expect to retire around the year 2040. Or put another way, Bill who is [...]

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Will the Minimum Wage Increase in 2013

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President Obama has proposed raising the 2013 federal minimum wage to $9, from the current hourly minimum of $7.25.  The current minimum-wage, last raised in July 2009, equals an annual income of about $15,000. Even though many states may have higher minimum wage rates than federal standards (the higher rate applies), millions of American workers would see a [...]

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Can I Avoid Paying Taxes By Submitting an Extension to File My Tax Return

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The title of this article was based on the following email I received a couple of weeks ago. It’s a topic that a number of people can relate to around tax time, so I also published my answer below. “Last year my wife was pregnant and took 4 months of work and she was getting disability. [...]

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Best Business Schools For Full time, Part Time and Online MBAs

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U.S News just released their 2013-2014 rankings of business schools with little change from the previous year. Despite a tepid economy and higher than average unemployment, business school admissions and tuition rates continue to rise. Particularly for part-time and online business, or MBA, degrees. Getting a graduate business degree is almost becoming the norm for those wanting to [...]

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2013 Best Online Broker Survey – Is Your Stock or Options Broker in the Top 10

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Barron’s has released their 2013 broker survey and it was good to see that most of the online brokers I use and recommend made the list. What’s interesting is the continuing shift towards mobile trading, particularly on the iPad and other tablet devices, which are being used by more and more investors for their online trading needs. You can see this [...]

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Why Is It Taking So Long To Get My Tax Refund

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Over the last few weeks I have been receiving a lot of reader questions, many tinged with a hint of desperation, around why IRS tax refunds are taking so long and what can be done to get refunds sooner rather than later. Here is a sampling of comments: Help me please. I filled February 4th [...]

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The Dow Hits All Time Highs – What This Means and Beware The Risks

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The market continued on its rampage reaching an all-time high, surpassing levels last seen before the 2008 financial crisis. This is despite Congress and the Obama administration squabbling about the impacts of sequestration and who would be blamed for a potential economic calamity due to the inefficiency of Washington. Looks like tax cuts (rises for [...]

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2013 Housing Market Outlook

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My realtor who helped with buying my home a few years ago occasionally sends me newsletters on the state of the US housing market. For the most part this is marketing material looking for referrals and to keep her in mind if when I decide to sell or upgrade. But a recent newsletter she sent me had an [...]

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IRS Tax Tips – Tax Benefits for Parents Plus Facts about Dependents and Exemptions

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The IRS has published two bulletins which contain useful information that applies to many of my readers. I have summarized the key points below. Tax Benefits for Parents (IRS Tax Tip 2013-11) Dependents. In most cases, you can claim a child as a dependent even if your child was born anytime in 2012.   For more information, see [...]

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