how to create barcode in vb.net 2012 THE STEADY STAPLES OF A WELL-BALANCED PORTFOLIO in Software

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THE STEADY STAPLES OF A WELL-BALANCED PORTFOLIO
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are designed to eliminate a substantial portion of the outstanding debt prior to the bonds maturity While many corporate bonds can be called, or redeemed, prior to maturity, many companies now offer securities that give investors protection against their bonds being called for a specific period of time Many investors are willing to take a lower rate of interest in exchange for some call protection or even noncallable bonds The option of call protection changes with the condition of the economy Corporations may also have sinking funds established These are designed to help the company retire its bonds before the maturity date The firm will put the money earmarked for the bonds repayment into escrow, which it will then use to retire the bonds a few at a time The investment income derived from a corporate bond is fully taxable for federal income tax purposes It is also taxable for state income tax purposes in those states that have an income tax The current interest paid on bonds (coupon rate) is taxed to the investor at ordinary income tax rates If the bond was purchased at a premium (at a price higher than par value), the investor may choose to amortize the premium over the remaining life of the bond The investor may then use the amount amortized each year to reduce the bond s taxable interest or as an itemized deduction, depending on when the bond was bought Either way, the amortized amount acts as a way to reduce otherwise taxable ordinary income It also reduces the investor s tax basis in the bond If the investor elects not to amortize the premium, it will be added to the basis and will either reduce the capital gain (if the bond is sold for more than the cost) or produce a capital loss (if the bond is sold for less than the cost) Municipal Bonds Municipal bonds, or munis, carry an important tax feature: the interest paid on these bonds are exempt from federal income tax, as well as state and local income tax in the state in which they are issued This could mean significant savings in taxes that could otherwise be flowing to the government Munis are especially attractive to investors whose tax brackets are quite high, therefore garnering them a greater after-tax return from tax-free interest than they would realize from taxable interest
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Let s consider a hypothetical example of the Smiths Currently, they are in the 35-percent tax bracket They are considering investing $100,000, but are unsure of whether they would benefit from municipal bonds The bonds they are thinking about pay an interest rate of 6 percent They are also looking at a bank CD for this money, which pays 82 percent Which investment could earn them a higher aftertax return The Smiths would earn 6 percent after tax from their muni bond, but they would only earn 533 percent after tax from the bank CD Therefore, the muni bond would earn a greater after tax return for the Smiths (See Tables 72 and 73 for comparisons with the updated tax brackets)
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(1 tax bracket) taxable yield = tax-free yield (1 35) 82% = 533%
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When considering the tax implications of purchasing municipal bonds versus other fixed-income investments, also determine whether you will be paying state and local taxes on the interest and capital gains Usually, the muni bonds will be exempt from state and local taxation These are sometimes referred to as triple-tax-free municipal bonds because of the income tax exemptions on the interest and sometimes on the capital gains For example, the Smiths have a state income tax rate of 44 percent, no local income tax rate, and they itemize their deductions Their effective state rate is 44 x (1 - 35) = 286 percent Their total tax rate is 3786 percent In this case, the municipal bond they are considering would be free from state income tax, as well as federal income tax However, the bank CD yield of 82 percent isn t exempt from any taxes Therefore, their after-tax rate on the muni bond remains 6 percent, whereas the after-tax rate of the bank CD is 5095 percent
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(1 3786) Amounts are hypothetical 82% = 5095%
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However, if the Smiths don t itemize, or if the deductions are mostly phased out on their federal income tax return, and the state
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Table 72 After-tax rates of return comparison years 2004 and 20051 (2) (3) (4) (5)
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Federal tax bracket 6% 6% 6% 6%
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After-tax return from a muni bond paying a tax-free After-tax return yield of 6% from a bank paying 6% taxable 510% 438% 420% 390% 638% 548% 525% 488%
461%
Necessary rate of After-tax return return for the from a corporate investor to bond paying realize 6% 75% taxable after tax 706% 822% 857% 923%
977%
15 27 30 35
These figures are based upon the new tax rates for the year 2002 and 2003 They also do not account for possible state and local income taxes that may affect the after-tax returns
Table 73 After-tax rates of return comparison years 2004 and 20052 (2) (3) (4) (5)
Federal tax bracket 6% 6% 6% 6%
6% 374%
After-tax return from a muni bond paying a tax-free After-tax return yield of 6% from a bank paying 6% taxable 510% 440% 426% 396% 638% 555% 533% 495%
468%
Necessary rate of After-tax return return for the from a corporate investor to bond paying realize 6% 75% taxable after tax 706% 811% 845% 910%
962%
15 26 29 34
These figures represent the tax brackets for the years 2004 and 2005 It s important to remember that, as current tax law stands, the tax rates will continue to decrease until the year 2006 Neither Table 72 nor Table 73 accounts for the newly implemented 10-percent tax bracket
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