Word: save
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Dates: during 1990-1999
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...individual) in 1999. Sound tax planning can leave your estate at or just below those levels, minimizing the estate tax. Give $10,000 ($20,000 as a couple) to each heir. Such gifts can be made, tax-free, annually. If your estate is $3 million, you save $5,500 in estate tax every time you give away...
...longer than a year. Long-term losses must first be applied against long-term gains. But once those have been offset, you may apply remaining long-term losses against short-term gains, allowing you to cancel a gain taxed at as much as 39.6% with a loss that should save only...
...spread the resulting tax over four years. The effect, though, was to extend the period in which you can unconvert and then reconvert to the Roth. You'd want to do that if your IRA's value is much lower now than when you originally converted. It can save a bundle in taxes. You lose the ability to spread the tax over four years, but you can approximate that benefit by converting a fourth of your portfolio each of the next four years...
...enamored with Ornish's approach--and devours studies of medical breakthroughs that show, among other things, that rabbits that are regularly stroked have less plaque in their arteries--he puts them in the context of policy. He argues, for example, that the government and private insurers could save untold billions on unnecessary heart surgery. And he doesn't stop there. "General Motors ought to be saying to every [employee] that they cover, 'If you decide you need a heart transplant, you ought to be taking vitamin E, you ought to be taking selenium,'" he said. "That ought to be part...
...mental-health professionals are more focused today on drug therapies than on social rehabilitation. Ruth Hughes argues that the profession's "belief system" still contains "the idea that people with schizophrenia never get better." Insurance companies have been slow to be convinced that these programs work and will ultimately save money. And many employers still resist hiring the mentally ill. American Postcard's Castaldo recalls telling a fellow businessman "how well I'm doing with handicapped people." The man was interested, Castaldo relates, "but when I mentioned mental health, a wall came down...