Word: bracketeers
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...fall for it blindly. When you convert, you must pay tax on the whole bundle. Converting makes sense if you have non-IRA funds to pay the tax and will stay in the same tax bracket or move to a higher one. It helps if you invest in stocks and have 10 years before you'll need the money. If that's you, convert this year while the taxman is running a Roth special: you get to spread the tax liability over four years. But if you're near retirement and lean toward bonds or CDs, converting...
That gives you the chance to mismatch a long-term loss with a short-term gain and generate greater tax savings. Say you're in the top 39.6% tax bracket and have no short-term losses but a short-term gain of $1,000. You also have no long-term gains but a long-term loss of $1,000. That long-term loss offsets your short-term gain, rubbing out a $396 tax bill. If you had used the long-term loss against a long-term gain, where 20% is the tax rate, you would have rubbed out only...
...these teams will have to win at least three of its remaining games and more likely have to sweep to be seeded in the top half of the ECAC bracket...
Less severe depression is more prevalant among the 18-22 age bracket, but Davis says depression among college students is often a root malady connected to other mental illnesses such as anorexia nervosa or bi-polar manic depression...
...place finish at the Cliff Keen Las Vegas Invitational, battled for a third-place finish at Midlands in the 134-pound weight class. A heartbreaking, 3-1, overtime loss in the fourth round to the tournament's No. 1 seed, Mark Ironside of lowa, dropped DeNunzio to the consolation bracket...