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Essays, Opinion & Advice Posts

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…

Bogus Roth Math

Ever since Roth conversions were liberalized in 2006, a steady stream of accounts have appeared in various media outlets, purporting to show that you ought to do a Roth conversion. Most accounts wave the bloody shirt of Required Minimum Distributions (RMD), and the dread tax burden you will someday suffer,…

Visual Branding

Visual Branding: Rhetorical and Historical Analyses Edward F. McQuarrie and Barbara J. Phillips Forthcoming from Edward Elgar, 2016 Back Story This book will be published toward the end of 2016. It represents the first fruits of breaking free of the journal publication grind (see New Consumer Online page) We bring…