How Your Tax Is Calculated: Understanding the Qualified Dividends and Capital Gains Worksheet
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The 27 lines, because they are so simplified, end up being difficult to follow what exactly they do. So, for those of you who are curious, here’s what they do.

Can I Contribute to Both a SEP and a 401(k)?
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SEP plans offer a powerful way to provide for your own retirement in the same way that 401ks do.

How Much Umbrella Insurance Do I Need?
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Umbrella insurance covers you for liability that goes above and beyond your auto and homeowners insurance.

The Benefits of Saving and Investing Early
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Any money you put away and invest now will have the longest time to grow, due to the magic (or actually, the mathematics) of compound interest.

Fourteen Ways to Avoid Paying Capital Gains
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The capital gains tax traps wealth in an investment vehicle requiring special techniques to free the capital without penalty.

What is a 1031 Real Estate Exchange?
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Despite their complexity, these exchanges have the potential to save vast amounts of money.

Mailbag: Is Funding My 401(k) Match Sufficient to Fund My Retirement?
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At age 25, getting your 401(k) match funds 64.2% of your retirement.

Rules For Selling Highly Appreciated Stock
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Now that the Bush tax cuts have expired and Obamacare will add additional tax burdens, many people need to think twice before realizing a large gain on their investments.

Beneficiary Designations: Per Capita or Per Stirpes?
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Before a grandmother passes away, both her sons predecease her. Left with only her daughter and grandchildren, depending on her titling one of three things may happen.

The Complete Guide to Your Washing Machine
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The complete guide to saving money while washing your clothes. What temperature should the water be? What cycle should I use? What detergent should I use?

The Complete Guide to Your Clothes Dryer
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The complete guide to saving money while drying your clothes. Should I air dry? Can I line dry inside? Is there ever a case when my dryer is cheaper?

The Complete Guide To Your Dishwasher
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The complete guide to saving money while getting your dishes clean. Does hand washing save money? Should I pre-wash? How full should I fill my dishwasher?

Naming A Foreign 401(k) Beneficiary? ($ ?s)
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You should have no problem naming your nephew as your beneficiary, but accessing the money from India after your death is more complicated.

Roth IRAs: If the Front Door Is Closed, Try the Back Door ($ ?s)
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There is a backdoor way to contribute to a Roth IRA for those who are not income eligible. This method requires the following steps:

How to Avoid the Vehicle Sales Tax in Virginia
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“I would like to give my daughter my newer car, but the tax considerations are not simple.”

Social Security Time Machine Opens Door for Retroactive Benefits
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There are several options to claim retroactive Social Security benefits. Some retirees will find it beneficial to turn back the clock in order to receive large one-time checks when they first file.

Mailbag: Should I Pay Off My Mortgage Early?
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Some say don’t make extra payments, take the tax deduction. Others say you need to be debt free.

The House That Bogle Built
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Learn about the index preferred by the person who invented index funds with the Vanguard S&P 500. And no, it isn’t the S&P 500.

Maximum Safe Withdrawal Rates in Retirement
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Certain assumptions such as maximum safe withdrawal rate are critical in order not to compromise a long and successful retirement.

Why is Bob Cratchit So Poor?
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At first glance, this story fills us with pity for the Cratchit family, always struggling to make ends meet. But is that the true story?

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