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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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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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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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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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New Student Loan Option

New Student Loan Option

New Student Loan Option, as reported in the WS Journal. Borrowers who want to lower the interest rate on their federal student loans have a new option. Citizens Financial Group announced last week that it is accepting applications from both parent and student holders of federal loans to refinance into private loans at the Providence, […]

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Bits ’n Pieces – Oil’s Gift to Home Buyers, Negative Equity Ebbs, Consumer Prices Fall, Gasoline Spending Slides, New College Ratings Plan, Housing

Bits ’n Pieces – Oil’s Gift to Home Buyers, Negative Equity Ebbs, Consumer Prices Fall, Gasoline Spending Slides, New College Ratings Plan, Housing

Oil’s Gift to Home Buyers Low oil prices may offer a hidden gift to consumers beyond the gas pump: They could also indirectly support lower mortgage rates. The average 30-year fixed-rate mortgage fell to 4.06% in the week ended Dec. 12, the lowest level in 18 months, according to the Mortgage Bankers Association. The plunge in […]

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Most States Are Good Credit Risks – Ratings Are Strong Despite Pension and Health-Care Obligations

Most States Are Good Credit Risks – Ratings Are Strong Despite Pension and Health-Care Obligations

Most States Are Good Credit Risks – Ratings Are Strong Despite Pension and Health-Care Obligations, as reported in the WS Journal. U.S. states represent one of the most secure areas of the global bond market. Even when hefty pension obligations and unfunded employee health-care liabilities are taken into account, state credit quality generally is strong. […]

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Student-Loan Debtors Have Benefits Garnished

Student-Loan Debtors Have Benefits Garnished

Student-Loan Debtors Have Benefits Garnished, as reported in the WS Journal. The U.S. government is increasingly garnishing the Social Security checks of older and disabled Americans who have fallen behind on their student-loan payments. Some 155,000 Americans had their Social Security benefits reduced in the federal fiscal year 2013 after defaulting on federal student loans, […]

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Degrees of Value: Making College Pay Off – For Too Many Americans, College Today Isn’t Worth It

Degrees of Value: Making College Pay Off – For Too Many Americans, College Today Isn’t Worth It

Degrees of Value: Making College Pay Off – For Too Many Americans, College Today Isn’t Worth It, as reported in the news of the WS Journal. In the field of higher education, reality is outrunning parody. A recent feature on the satire website the Onion proclaimed, “30-Year-Old Has Earned $11 More Than He Would Have […]

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Put Your Financial House in Order – There’s No Better Time for Some Financial Housekeeping

Put Your Financial House in Order – There’s No Better Time for Some Financial Housekeeping

Put Your Financial House in Order – There’s No Better Time for Some Financial Housekeeping, as reported in the WS Journal. There’s nothing like the start of a new year to prompt an urge to improve our finances, but all too often our best-laid plans fall apart. Luckily, an approaching deadline might be useful for […]

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10 things your intern won’t tell you

10 things your intern won’t tell you

As reported in the news of the WS Journal,”They’ll get your coffee, but might spit in it, and post the pic on Twitter!” 1. “You’re not giving me enough to do.” It’s no secret that in today’s hypercompetitive internship market, students and recent grads are jostling for a chance at even unpaid stints where they’ll […]

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10 things your kids won’t tell you – fewer people are having kids, and those who do are paying a higher price

10 things your kids won’t tell you – fewer people are having kids, and those who do are paying a higher price

As reported in the WS Journal, 10 things your kids won’t tell you – Fewer people are having kids, and those who do are paying a higher price. 1. “I will cost you your dream house.” Couples thinking about starting a family might want to boost their saving goals. The cost of raising a child […]

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A Weak Economy Puts the U.S. Just a Couple of Hiccups From Recession – There’s Little About the Recovery That Looks ‘Robust.’

A Weak Economy Puts the U.S. Just a Couple of Hiccups From Recession – There’s Little About the Recovery That Looks ‘Robust.’

As reported in the WS Journal, A Weak Economy Puts the U.S. Just a Couple of Hiccups From Recession – There’s Little About the Recovery That Looks ‘Robust.’  Unless you are one of a very lucky few, there is little about the economic recovery that looks “robust.” We are likely just one or two hiccups […]

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Six Lessons You Should Have Learned From the Financial Crisis

Six Lessons You Should Have Learned From the Financial Crisis

As reported in the WS Journal, Six Lessons You Should Have Learned From the Financial Crisis – are we any smarter than we were five years ago? It’s been five years since Wall Street crashed and the financial crisis broke across the country. Many people lost their homes, their savings or their jobs. Financial plans […]

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Rise in Health Spending Could Be Slowing Researchers Cut 2014 projection to 6.1% from 7.4%

Rise in Health Spending Could Be Slowing Researchers Cut 2014 projection to 6.1% from 7.4%

As reported in the WS Journal, Rise in Health Spending Could Be Slowing – Researchers Cut 2014 projection to 6.1% from 7.4%. Total U.S. health-care spending will jump by 6.1% next year when key provisions of the federal overhaul law take effect, a slower pace than previously projected, federal number-crunchers said Wednesday. The Centers for […]

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10 Things Grad Schools Won’t Tell You

10 Things Grad Schools Won’t Tell You

As reported in the WS Journal, if you’re hinking about going to graduate school to revive your stalled career, you should think carefully, says MarketWatch’s Thomas Bemis, and look at the lowdown of higher degrees. 1. “Expect empty seats.” Many people sought shelter from the recession by heading to graduate school, but enrollment has declined […]

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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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Member CA Bar Member Orange County Bar US Tax Court Attorney