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Will interest rates rise this year?

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The Fed hasn’t yet raised its target interest rate from less than 0.25%, and it has promised not to do so before unemployment reaches roughly 6.5%, which it doesn’t expect to happen until next year. However, some interest rates have already begun to go up. For example, according to Freddie Mac, the average interest rate …

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Estate Planning and Income Tax Basis

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Income tax basis can be important when deciding whether to make gifts now or transfer property at your death. This is because the income tax basis of the person receiving the property depends on whether the transfer is by gift or at death. This, in turn, affects the amount of taxable gain subject to income …

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Show Them the Love: Low-Cost, High-Value Employee Benefits

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As a small business owner, you are probably aware of the importance of offering a basic employee benefit package that includes health and disability insurance, and a retirement savings plan. However, recruiting and retaining top talent often requires going above and beyond the basics. By offering creative, low-cost benefit programs, you can differentiate your business …

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Plan Now for a Year-End Investment Review

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You might not enjoy sitting down to do year-end investment planning, but at least this fall you can make plans with greater certainty. For the last three years, investment planning has meant trying to anticipate possible changes in tax law; for tax year 2013 and beyond, you know for sure how income, capital gains, and …

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Quarterly Economic Perspective – Q3 2013

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Contrary to speculation that the Federal Reserve would begin tapering its economic support in September, the Fed’s monetary policy committee postponed any reduction in its $85 billion monthly bond purchases. The committee said it wants more evidence that the economy is strong enough to survive potential threats from higher mortgage rates and fiscal wrangling in …

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