Calculated Risk

NOVEMBER 30, 2023

Disposable personal income (DPI), personal income less personal current taxes, increased $63.4 The following graph shows real Personal Consumption Expenditures (PCE) through October 2023 (2012 dollars). The BEA released the Personal Income and Outlays report for October: Personal income increased $57.1 billion (0.2 billion (0.3

Food 182

Food Taxes Economics 182

The Big Picture

JULY 12, 2023

They also offer a suite of premium analytic mapping tools that cover: Over/Under Valued %, Value/Income Ratio, House Payment as % of Median Income, % Crash from 2007-2012, Shadow Inventory %, Cap Rate, Buy vs Rent Calculator %, Rent as a % of Income.

Sales 245

Sales Economy Taxes Marketing 245

Calculated Risk

DECEMBER 22, 2023

Disposable personal income (DPI), personal income less personal current taxes, increased $71.9 The following graph shows real Personal Consumption Expenditures (PCE) through November 2023 (2012 dollars). The BEA released the Personal Income and Outlays report for November: Personal income increased $81.6 billion (0.4 billion (0.4

Food 182

Food Taxes Economics 182

The Big Picture

NOVEMBER 27, 2023

This is before we get to the issue of capital gains taxes, which create a hurdle of (minimum) 20% on those pesky profits just to get to breakeven. Not only are the odds stacked against you, but very often systems that have successfully timed the market have been simply lucky, and do not succeed in out-of-sample tests.

Marketing 304

Marketing Marketing Math Retirement Planning 304

Nerd's Eye View

OCTOBER 30, 2023

As someone who has been speaking at 50–70 conferences a year for 18 years myself, I've seen the good and bad of our wide range of industry events, from the industry associations to the broker-dealers and insurance companies and RIA custodians, the rise of vendor conferences and media-driven events, private company events, and more.

Financial Advisor 246

Financial Advisor Numbers Budgeting Financial Planning 246

Calculated Risk

JULY 28, 2023

Disposable personal income (DPI), personal income less personal current taxes, increased $67.5 The following graph shows real Personal Consumption Expenditures (PCE) through June 2023 (2012 dollars). The BEA released the Personal Income and Outlays report for June: Personal income increased $69.5 billion (0.3 billion (0.3 billion (0.5

Food 130

Food Taxes Economics 130

Calculated Risk

JANUARY 13, 2023

Also note that the sharp decline in 2010 was related to the housing tax credit policy in 2009 - and was just a continuation of the housing bust. Another exception was in late 2021 - we saw a significant YoY decline in new home sales related to the pandemic and the surge in new home sales in the second half of 2020. 2008 0.1% -2.5% 2009 -2.6%

Economy 278

Economy Sales Economics Investing 278

Harness Wealth

APRIL 30, 2025

In this article, well examine the nature of IRS audits, the common audit red flags that result in IRS scrutiny, and how professional tax advisors can help reduce the risk of you being audited. An IRS audit is a formal review of your financial records to verify their accuracy and compliance with tax laws.

Compliance 52

Compliance Taxes Accounting Consulting 52

NAIFA Advisor Today

MARCH 22, 2023

Uncertain market conditions make cash-value life insurance a valuable tool in the toolbox of investors and their planners, Jeff Snyder , a loyal NAIFA member since 2012 and Executive Vice President of Business Development and Insurance at Gateway Financial Advisors , writes in InsuranceNewsNet.

Insurance 98

Insurance Investing Investments Financial Advisor 98

The Big Picture

OCTOBER 27, 2023

For the decade1 from 2012 to 2022, 10-year Treasuries yielded less than 3% and averaged closer to 2%. Muni bonds were yielding 2-3%, a tax equivalent (depending on the state you lived in and your tax bracket) of ~4-5%. Equities did well, averaging ~14% during the 2010s, but Bonds, not so much.

Portfolio 147

Portfolio Government Wealth Management Clients 147

Trade Brains

JANUARY 2, 2024

AIFs must be registered under SEBI (Alternative Investment Fund) Regulations, 2012. What are some Tax Benefits of AIFs? In simple terms, capital gains tax applies to profits or losses made from the fund. The post Alternative Investment Fund – Meaning, Types & Tax Benefits appeared first on Trade Brains.

Taxes 64

Taxes Investing Investments Retail 64

Advisor Perspectives

SEPTEMBER 30, 2023

Since 2012, Puerto Rico has offered investors — primarily mainland Americans — one of the most attractive deals in the world: move to the commonwealth and pay no taxes on interest, dividends or capital gains, all while living on a balmy and culturally vibrant Caribbean island without having to surrender US citizenship.

Taxes 75

Taxes 75

Calculated Risk

JANUARY 10, 2024

Also note that the sharp decline in 2010 was related to the housing tax credit policy in 2009 - and was just a continuation of the housing bust. Another exception was in late 2021 - we saw a significant YoY decline in new home sales related to the pandemic and the surge in new home sales in the second half of 2020. this gives 2.4% 2009 -2.6%

Economy 200

Economy Sales Economics Investing 200

Trade Brains

JUNE 11, 2025

Earnings Before Interest, Taxes, Depreciation, and Amortisation (EBITDA) for H2 FY25 amounted to Rs. Net profit for H2 FY25 stood at Rs. crores, marking a nearly 72 percent HoH increase from Rs. crores reported in H1 FY25, as well as an annual increase of around 187 percent from Rs. crores in H2 FY24. crores in H2 FY24.

Pharmaceutical 66

Pharmaceutical Manufacturing Healthcare Medical 66

Random Roger's Retirement Planning

JULY 22, 2022

Of course it was more expensive than that because of the tax and penalty. We bought our current cabin in 2012 and sold the first one in 2014. We bought our current cabin in 2012 and sold the first one in 2014. Like I said, we took calculated risks. So return on investment.

Investing 75

Investing Investments Taxes Retirement 75

Trade Brains

JUNE 22, 2025

Bangladesh Premier League (BPL)-Bangladesh Started: 2012 Administrator: Bangladesh Cricket Board (BCB) Net Worth: $4.8 Hosted in the UAE, the league benefits from tax-free operations and attracts top international players with high-paying contracts.

Investing 66

Investing Investments Media Government 66

Investing Caffeine

MAY 2, 2022

No information accessed through the Investing Caffeine (IC) website constitutes investment, financial, legal, tax or other advice nor is to be relied on in making an investment or other decision. Please read disclosure language on IC Contact page.

Economy 59

Economy Electronics CFP Government 59

Random Roger's Retirement Planning

MAY 28, 2024

I've been very actively volunteering since 2003 and the chief of our department since 2012. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. I won't post 47 selfies of me at a desk but I will include a couple of fire truck pictures.

Retirement 97

Retirement Insurance Retirement Planning Food 97

Discipline Funds

JUNE 27, 2023

Back in 2012 I wrote a short piece about how the ETF world was in the very early stages of eating up the mutual fund world. But this hyper tax efficient factor in ETFs is still widely misunderstood and underappreciated. At that time the ETF world had just 12% of the share of the fund world’s assets (chart via Ben Johnson ).

Retirement Planning 52

Retirement Planning Retirement Engineering Marketing 52

Random Roger's Retirement Planning

OCTOBER 19, 2023

From the start of 2012, Yahoo has APO up 609% and PSP up 22%. They are not intended to constitute legal, tax, securities or investment advice or a recommended course of action in any given situation. If you ran this using Blackstone (BX), the test goes back just as far and the result is reasonably close the the portfolio using Apollo.

Asset Allocation 73

Asset Allocation Portfolio Assets Accounting 73

Good Financial Cents

DECEMBER 22, 2022

2012: 13.41%. From there, you’ll pay a 0.25% annual investing fee to access multiple portfolio options, advanced tax-savings tools, automatic portfolio rebalancing, and other perks. While not always the case, some states even offer tax breaks for contributing to a 529 plan. 2020: 16.26%. 2019: 28.88%. 2018: – 6.24%.

Investing 108

Investing Investments Risk Tolerance Accounting 108

Brown Advisory

NOVEMBER 12, 2015

As 2015 comes to a close, we remind our clients and friends of how important it is take time to review new tax rules, consider tax-saving opportunities and review investment and asset-protection plans before year’s end. In this letter, we outline a number of tax-saving and other opportunities to consider before the close of the year.

Planning 52

Planning Taxes Distribution Medical 52

Harness Wealth

AUGUST 3, 2023

Transitioning From Employee to Entrepreneur Establishing Your New Business Marketing Your Firm: How to Find New Clients Technology and Tools: How to Run a Modern Practice Harness Tax: A Trusted Partner for Your Journey Opportunity Awaits: Why Should You Go Solo? The tax industry is changing.

Accounting 52

Accounting Taxes Clients Planning 52

Cornerstone Financial Advisory

JANUARY 9, 2023

An Offer in Compromise is an agreement between a taxpayer and the IRS that settles a tax debt for less than the total amount owed; this is a genuine service offered by the IRS. This information is not intended to be a substitute for specific individualized tax advice. Fast Company, August 22, 2012. ” – Winston Churchill.

Marketing 59

Marketing Marketing Economics Taxes 59

Yardley Wealth Management

SEPTEMBER 14, 2022

2017: The year-end Tax Cuts and Jobs Act (TCJA) upends U.S. 2012: The U.S. Civil unrest rides high across a gamut of socioeconomic concerns, and a divisive U.S. presidential election looms large. 2018: Two U.S. government shutdowns occur—in January and again at year-end, with the latter lasting more than a month. 2013: A 16-day U.S.

Investing 52

Investing Investments Wealth Management Government 52

Brown Advisory

MARCH 1, 2016

In October 2012, a $1 million investment was enough to buy 13% of Cyvera. In August 2012, Lux backed Auris Surgical, a nano-surgery company started by Fred Moll, the founder of Intuitive Surgical and creator of the da Vinci® robot. Through the PEP model, we have invested in several earlystage standouts. Lux invested $4.6

Valuation 52

Valuation Clients Communication Investing 52

Good Financial Cents

JULY 6, 2023

You can set up an account in minutes, and Betterment offers added benefits like portfolio rebalancing, dividend reinvestment, and tax-loss harvesting. This type of retirement account lets you invest with after-tax dollars, and your money grows tax-free until you are ready to access it.

Investing 98

Investing Investments Accounting Certification 98

Brown Advisory

SEPTEMBER 12, 2016

Unlike in 2011—2012, Greece is not on the verge of default and a handful of European countries do not require bailouts. Recent history suggests that interest rates should not be so low. The outlook for the U.S. economy is brighter today than in 2009, when 10-year Treasuries hovered around 3.2%.

Banking 52

Banking Communication Clients Electronics 52

Brown Advisory

SEPTEMBER 12, 2016

Unlike in 2011—2012, Greece is not on the verge of default and a handful of European countries do not require bailouts. Recent history suggests that interest rates should not be so low. The outlook for the U.S. economy is brighter today than in 2009, when 10-year Treasuries hovered around 3.2%.

Banking 52

Banking Communication Clients Electronics 52

Trade Brains

MARCH 31, 2023

By 2012, Kingfisher Airlines was declared as an NPA by SBI. Finally, the grounding of Kingfisher Airlines in 2012 and the cancellation of its license in December 2012 ended the Kingfisher journey. The airlines in India were hit harder due to the taxes and levies imposed by the government. What went wrong with Kingfisher?

Banking 52

Banking Transportation Taxes Ethics 52

Brown Advisory

SEPTEMBER 3, 2015

It is offering tax incentives for purchasing private insurance and tax deferrals for annuity products and corporate pension plans. By Stephen Shutz, CFA, Tax-Exempt Portfolio Manager. As recently as 2012 Puerto Rico was able to sell to investors public-sector bonds despite its bleak fiscal outlook and shrinking economy.

Insurance 52

Insurance Portfolio Management Clients Government 52

Brown Advisory

DECEMBER 2, 2015

From 2012 until 2014, the MSCI All Country World Index annually rose by an average of 14.1%. Today, we believe that high-yield bonds provide a compelling option for investors in a low tax bracket or with the ability to invest through a tax-advantaged structure like an IRA. percentage points from July 24, 2012, until Jan.

Economy 52

Economy Taxes Clients Assets 52

eMoney Advisor

DECEMBER 5, 2022

It is not meant to be, and should not be taken as financial, legal, tax or other professional advice. The Center for Nonviolent Communication , 2012. DISCLAIMER: The eMoney Advisor Blog is meant as an educational and informative resource for financial professionals and individuals alike. Planning for Conflict in Client Relationships.”

Financial Planning 73

Financial Planning Planning Financial Planner Communication 73

Brown Advisory

SEPTEMBER 21, 2022

The idea has since been refined more quantitatively, first by Benoit Mandelbrot in his 1982 book, The Fractal Geometry, and more recently by Nassim Nicolas Taleb in his 2007 book, The Black Swan: The Impact of the Highly Improbable, and then again in his 2012 book, Antifragile: Things That Gain from Disorder.

Portfolio 86

Portfolio Manufacturing Financial Services Investing 86

Trade Brains

JULY 2, 2023

The company saw a management change in 2012 when it was taken over by Prog Dyechem Private Limited. It earned a profit after tax of Rs 33 lakh on an operating income of Rs 6.92 The last two fiscals have been good for NCL as it clocked a profit after tax of Rs 1.04 Since then, it has shifted its business focus to real estate.

Financial Services 59

Financial Services Education Investing Investments 59

Brown Advisory

SEPTEMBER 3, 2015

As recently as 2012 Puerto Rico was able to sell to investors public-sector bonds despite its bleak fiscal outlook and shrinking economy. Investors had snapped up Puerto Rican debt because of high yields and exemption from federal, state and local taxes in the U.S. Rude Awakening. Thu, 09/03/2015 - 15:10.

Transportation 52

Transportation Government Economy Asset Allocation 52

FMG

MAY 22, 2023

So I chose to join the family business as an advisor in 2012 and continued on until becoming president and CEO in 2021. We’ve made several changes to our business since 2021, going from being a traditional investment advisor to becoming a holistic financial planner with a focus on tax planning, investments, and estate planning.

Wealth Advisor 52

Wealth Advisor Financial Advisor Clients Planning 52