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Essays, Opinion & Advice Posts

Reflections on Social Class and College Admissions, Part I

Socio-Economic Status, Standardized Test Scores & College Admissions Many studies find a strong correlation between parents’ income and education level, and the child’s performance on standardized tests such as the SAT. Because of the role played by standardized tests in college admissions, especially for top tier schools, bias in test…

A Modest Proposal to Encourage Savings and Investment

—without exacerbating income inequality. [see this post for context] Low capital gains tax rates might be a good thing for promoting investment and economic growth.  But as currently structured, the break on capital gains enormously benefits millionaires and billionaires, without bringing much benefit to the middle class. The goal should be…

Stupid Roth Tricks*

How many times have you read that Roth accounts will be “tax free forever?”  Alas, forever is a very long time, and also not a word much used by adults, outside of church.  So consider this post a kind of apostasy.  It may cost you your faith in Roth. The present income…