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Do your due Tax considerations should never be the primary driver of your investment decisions. Directing tax-inefficient funds into nontaxable accounts If you invest in actively managed or other tax-inefficient funds, ideally you should put these holdings in nontaxable accounts, such as a traditional IRA or k. And if the funds are held in a Roth account, those distributions will escape taxation altogether.

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But individuals need to prepare for worst-case scenarios, as well. Unfortunately, the topic can seem a little overwhelming. To help simplify matters, here are five keys to disaster planning that everyone should consider: Make sure your policy covers flood, wind and other damage possible in your region and that its dollar amount is adequate to cover replacement costs. Also review your life and disability insurance. Create a list of your bank accounts, titles, deeds, mortgages, home equity loans, investments and tax records. Inventory physical assets not only in writing including brand names and model and serial numbersbut also by photographing or videoing them. Keep copies of financial and personal documents somewhere other than your home, such as a safe deposit box or the distant home of a trusted friend or relative.

You may not receive insurance money right away. Also maintain a cash reserve in your home in a durable, fireproof safe. Establish a family emergency plan that includes evacuation routes, methods of getting in touch and a safe place to meet. Because a disaster might require you to stay in your home, stock a supply kit with water, nonperishable food, batteries and a first aid kit. If so, and you have a kyou should consider a potentially useful tax-efficient IRA rollover technique. The IRS has specific rules about how participants such as you can allocate accumulated k plan assets based on pretax and after-tax employee contributions between standard IRAs and Roth IRAs.

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Partial rollovers can also be made, and the same principles apply. Golden years ahead HCEs face some complex decisions when it comes to retirement planning. Let our firm help you make the right moves now for your golden years ahead. Giving appreciated stock or other investments to your children can minimize the impact of capital gains taxes. Few purchases during your lifetime will be as expensive as buying a home. Fixed-rate loans offer stability A fixed-rate mortgage, as its name suggests, is a loan whose interest rate remains constant for the life of the loan — typically 15 or 30 years.

One of the primary benefits of a fixed-rate loan is that it provides a measure of certainty about one of the biggest expenses in your monthly budget. That said, if interest rates were to fall again, your fixed-rate loan would leave you unable to take advantage of the shift unless you refinance, which might involve fees. You could consider a year fixed-rate loan, which would charge a lower rate than a year loan, but the tradeoff will be higher monthly payments. ARMs provide flexibility Adjustable-rate mortgages ARMs typically offer a fixed interest rate for an initial period of years.

This rate, which is usually lower than that of a comparable fixed-rate mortgage, resets periodically based on a benchmark interest rate. Paying less interest in the beginning frees your cash for other investments. The best for you The right loan type depends, naturally, on your financial position. Let our firm assist you in evaluating the best mortgage for your needs. But the IRS casts a wide net when defining gambling income. It includes winnings from casinos, horse races, lotteries and raffles, as well as any cash or prizes appraised at fair market value from contests.

If you participate in any of these activities, you must report such winnings as income on your federal return. You may also take an itemized deduction for gambling losses, but the deduction is limited to the amount of winnings. The information from these forms needs to be included on your tax return. Police late Wednesday said they were searching for a year-old ex-convict and registered sex offender from Wheaton who worked with the woman at another job and who apparently had been stalking her in recent weeks. A manhunt was under way for the suspect across northern Illinois after a warrant was issued for his arrest. Genoveva Franco Velasquez, 30, a mother of a 9-year-old girl, arrived at the restaurant at S.

A brief quarrel ensued, investigators said, before a man believed to be Michael Alfonso of the block of Briarbrook Drive allegedly aimed a handgun at Velasquez's chest and fired at least three shots. Velasquez's husband, who had arrived to help open the restaurant about four hours earlier, was in the McDonald's at the time but did not witness the shooting, investigators said. Velasquez was pronounced dead about an hour later in Good Samaritan Hospital in Downers Grove, hospital officials said. She had been shot three times, She had lived recently with family in Carol Stream, but authorities said that her latest address was in Glendale Heights and that she had called police there last week to file a complaint against Alfonso.

Stunned employees and customers at the McDonald's who witnessed the shooting told police the gunman ran from the scene. Police used dogs to track the suspect to a nearby church parking lot, where they believe he fled in a vehicle, possibly a black Pontiac Firebird with Illinois license plate D A no-bond warrant was issued for his arrest on charges of first-degree murder and aggravated stalking. Sources said police had recovered a handgun, but detectives had not determined whether it was used in the slaying. Alfonso's criminal record includes convictions for criminal sexual assault, aggravated battery and felony use of a firearm.

He was released from the Illinois Department of Corrections in Authorities said Alfonso worked with Velasquez at a Carol Stream warehouse of The Pampered Chef, a firm that sells cooking equipment, and police said the two had quarreled at the business Tuesday night. Security officials at The Pampered Chef, where Velasquez had worked as a packer sincesaid the quarrel became so heated that Carol Stream police were called.

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