Everyone with a traditional IRA should be looking into whether converting to a Roth IRA might make sense for them, because the ability to shelter future earnings from taxation is a very attractive feature of the Roth. The difficult part in doing a conversion analysis, however, is in forecasting the tax bracket that will apply … Read more
Have you filled up the gas tank lately? If you have then you know it is a pain at the pump for everybody in America. But the real pain is something most middle Americans don’t even know about, and I’m not even talking about the 47% of the country that does not pay taxes. No, … Read more
Investors who would rather not monitor their assets directly can do worse than green mutual funds. These funds’ strength is that, for the average investor, they offer a means of getting into carbon-aware investing which is still quite newly fledged. While some of these funds invest in holdings that are actively green, others use a … Read more
MORTGAGE LATES ON YOUR CREDIT REPORT So many of you are facing the reality of being late on your mortgage payment and how it has affected your credit scores. I personally know of folks that had pristine (700) beacon scores, but when there adjustable rate mortgage increased, they could not afford the increased payment. … Read more