Opportunity for High Income Earners – the Backdoor Roth Conversion

January 2010: A period that financial journalists dream about.  We were ushering in the new year of 2010 and significant impending tax law changes provided a bevy of important topics that consumers needed help navigating.  There was the elimination of federal estate and gift tax, the return of IRA required minimum distributions after a one-year [...]

Cheap Fouls and Unnecessary Insurance

Players in a college or high school basketball game are limited to 4 fouls and disqualified from competition upon receiving 5 fouls.  This limitation is intended to discourage players from consistently fouling to maintain the pace of play. In basketball, there are good fouls and bad fouls.  A good foul could be the result of commendable [...]

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