Taking a look at an investment rule and its tax saving implications.
It’s that time of year again. Now is the time when investors start thinking about their taxes. Maybe you’re like me: the taxes I pay on my gains aren’t a daily part of my investment thinking. (Although it probably should be.)
I’ve been checking my online broker accounts, looking at my gains and seeing some very good runs, especially since March 2009. Since the stock market bottomed out last year, the market has appreciated rapidly. Thinking that I may be paying 25% or more on those gains is less than exciting!
Remember that it’s not moral, ethical, or in the spirit of capitalism to evade paying taxes. Finding illegal ways to avoid reporting gains is not only immoral, it can also come back to hurt you later.
Image from Ag In Art
I have some stocks that I’ve had in my portfolio for quite a long time. While they should be performing better (and I believe that they will), they haven’t been reaching their potential just yet. They are tyin
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A government program intended to help combat foreclosures in the country also had the potential to reduce a person’s credit score.
According to a recent report from the New York Times, lenders taking part in the Home Affordable Modification Program (HAMP) used a certain code when reporting the modifications to credit bureaus. At the start of the program, there was no specific code for credit reports available for the modification program.
The code that was being used categorized the modification plans as a partial payment, which has the potential to lower a person’s credit score. However, since November, the Treasury Department has been using a new code that was developed for the modifications.
Even with the new code, unfortunately, a homeowner’s credit score could still potentially be affected in the future, the Times reported.
“That depends on whether FICO, which creates the most popular credit score formulas for credit bureaus like Equifax, Experian and TransUnion, concludes that its appearance in a credit file is somehow predictive of late bill payments or other bad behavior,” the Times story said.
HAMP was first introduced by the government last year to try to help troubled homeowners through trial loan modifications.
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According to new figures from the Office for National Statistics (ONS), the UK economy has exited recession – growing 0.1% in the final quarter of 2009, the BBC reports.
Figures show that the economy had previously shrunk for six quarters in a row (18 months) – the longest period since 1955, when quarterly figures were first recorded.
James Knightley, economist at ING financial markets, said: “Today`s fourth quarter GDP numbers have confirmed that the UK has finally exited recession – but barely.
“The recent retail sales numbers have disappointed, as has consumer confidence, while consumer fundamentals remain very poor. Indeed, household indebtedness remains at very high levels and household incomes are under downward pressure from a weak labour market and higher taxes.”
A debt expert for Think Money added: “Although the UK is officially `out of recession`, it is important to bear in mind that personal debt levels are still high – and expected to remain so for a long time yet.
“We would advise anyone who is struggling with their debts to contact a professional debt adviser without delay.”
Comments by U.S. Secretary of State Hillary Clinton and Chinese Ministry of Foreign Affairs spokesman Ma Zhaoxu hint at increasing American-Chinese acrimony.
While the countries have disagreed publicly about issues like climate change and Taiwanese democracy, the internet freedom-of-information issue is one that has remained largely unaddressed until recently.
China’s web censorship policies came into sharp relief last week after internet giant Google threatened to withdraw from the country. Google and other firms were attacked by Chinese hackers, the Mountain View, California company said; in response, it refused to submit any longer to China’s restrictions on web content.
Secretary Clinton, speaking at the Newseum in Washington on Thursday, only hinted at China’s censorship, mentioning it in the same breath as Tunisia, Uzbekistan and Vietnam. But her language left little doubt about the official U.S. position on internet censoring.
“We stand for a single internet where all of humanity has equal access to knowledge and ideas,” she stated.
Foreign Affairs ministry spokesman Ma said that the government urged the U.S. Read more…
