Friday, February 14, 2014

Big-Ticket Government Purchases

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According to the Office of Management and Budget (OMB), the federal government spent an estimated $3.7 trillion in 2013.  Keep in mind this...

Elephants in the Room

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As the pie chart above depicts, Social Security, Medicare, and Medicaid combine for about 45% of the federal budget.  The big problem is t...

18 in America

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Before attending Williams College, Dylan Dethier embarked on a unique journey at age 18.  Dylan took a year off after high school to travel...

Growth Rates and New Baselines

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As taxpayers, we should carefully look at spending programs that had very high growth rates over the past few years.  Many programs, partic...
Monday, February 10, 2014

Roth IRA Accounts and 401(k) Conversions

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If you have not received my guide to retirement accounts (6-page Word document) and would like to view it, send me an e-mail at krkreflectio...
Wednesday, May 29, 2013

The Pension Time Bomb

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In recent years, there have been intense political battles regarding pension systems, and these arguments will persist and only worsen.  Ma...

Pension Math and Investment Returns

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While the private sector primarily utilizes a defined contribution scheme, where employers will contribute funds to a 401(k) account that ...

Double Taxation of Capital Gains and Dividends

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At 35%, the United States has the second highest corporate tax rate in the industrialized world.  Through their ownership, shareholders re...
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