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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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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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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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Oil Glut Cracks Foundation Of U.S. Export Ban

Oil Glut Cracks Foundation Of U.S. Export Ban

WASHINGTON (Reuters Breakingviews) – The global glut of oil could lubricate the Washington machine enough to bring a rare show of unity. Cheap gasoline and plentiful crude could make lawmakers consider loosening the 40-year-old prohibition on exports and maybe rethink ethanol and natural gas policies. The slide in global oil prices has Americans enjoying the […]

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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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Cruise-Ship Stocks Prepare to Set Sail – China—and Suddenly Cuba—Loom as Lucrative Markets

Cruise-Ship Stocks Prepare to Set Sail – China—and Suddenly Cuba—Loom as Lucrative Markets

Cruise-Ship Stocks Prepare to Set Sail – China—and Suddenly Cuba—Loom as Lucrative Markets, as reported in the WS Journal. Cruise stocks jumped this week on news the U.S. will begin to normalize ties with Cuba. Investors are envisioning new routes to the island packed with curious vacationers. But there are bigger reasons to like shares […]

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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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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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5 Key Business Predictions for 2014

5 Key Business Predictions for 2014

5 Key Business Predictions for 2014, as reported in Allbusiness.com. As we begin the new year, the U.S. economy continues to exhibit resilience despite the many economic and political challenges that threatened to derail it in 2013. With the congressional elections looming toward the end of 2014 and unresolved debt ceiling and budget conflicts kicked […]

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Cruise prices sink to all-time lows

Cruise prices sink to all-time lows

As reported in the news of the WS Journal, Cruise prices sink to all-time lows – It may now be cheaper to book a cruise than stay in a Motel 6. Deals on cruises right now are the best they have been in years, insiders say. Louis Ramirez, senior editor at deal aggregator DealNews, says […]

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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