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Housing

A guide to drawing down your savings in retirement

A guide to drawing down your savings in retirement

As reported in the LA Times, “A guide to drawing down your savings in retirement.” The approach of retirement should be an exciting time for 50- and 60-somethings. But when the issue is your finances — and whether you’ve saved enough to last the rest of your life — excitement can quickly be overridden by […]

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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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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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Don’t Buy a Home as an Investment – After Costs, It Typically Doesn’t Yield Much

Don’t Buy a Home as an Investment – After Costs, It Typically Doesn’t Yield Much

Don’t Buy a Home as an Investment – After Costs, It Typically Doesn’t Yield Much; Think of It as a Place to Live, as reported in the WS Journal. This year, I sold one apartment and bought another. It was a reminder that the words “home” and “investment” don’t belong in the same sentence. Don’t […]

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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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Home sales projected to increase as prices level

Home sales projected to increase as prices level

As reported in the OC Register, Home sales projected to increase as prices level. U.S. home sales will rise 9 percent in 2015 as home prices continue to level off, CoreLogic reported in a recent housing outlook. The Irvine-based housing data firm projected sales will reach 5.8 million transactions this year, up from 5.3 million […]

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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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New Programs Could Help Home Buyers – Fannie, Freddie Aim to Aid First-Time and Low-Income Buyers

New Programs Could Help Home Buyers – Fannie, Freddie Aim to Aid First-Time and Low-Income Buyers

New Programs Could Help Home Buyers – Fannie, Freddie Aim to Aid First-Time and Low-Income Buyers, as reported in the WS Journal. Mortgage-finance companies Fannie Mae and Freddie Mac provided details of new low-down-payment mortgage programs that could reduce costs for first-time and lower-income home buyers. The mortgage-finance companies and their regulator, the Federal Housing […]

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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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Job Growth Slows, Banks’ Fee Earnings Fall, Food-Stamp Use Is Down, Hiring Takes Longer,Income Gap Widens

Job Growth Slows, Banks’ Fee Earnings Fall, Food-Stamp Use Is Down, Hiring Takes Longer,Income Gap Widens

Job Growth Slows, Banks’ Fee Earnings Fall, Food-Stamp Use Is Down, Hiring Takes Longer, Income Gap Widens, as reported in the WS Journal. Job Growth Slows U.S. job growth slowed to its lowest level of the year in August, after a string of steady gains over the prior six months. Nonfarm employment advanced a seasonally […]

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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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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