HeyJaredElliot Raphaelson
- Indexed articles, last 90 days
- 9
- Latest publication
- Sep 26, 2026
- Outlet visibility, for Orlando Sentinel
- Top 100K sites
- Earliest in this view
- Jul 10, 2026
Latest articles
The Savings Game: How to educate yourself in personal finance (opens the original)
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Because I write a personal finance column each week, and respond to all the emails I receive from readers, I subscribe to many publications and read all sorts of new books by authors I respect. When I read a new book that I think will help my readers, I try to review it in my column. When I receive an inquiry from a reader who needs advice on a subject that is important, and I don’t have the expertise to answer it, I will ask experts for their advice. Fortunately, most of the experts I depend on
The Savings Game: IRA distributions, survivor benefits and other reader questions (opens the original)
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Q: I have municipal bonds in my traditional IRA accounts. Is the interest I receive nontaxable? I am older than 73, and required to take required minimum distributions from my IRA yearly. A: Unfortunately, the interest you earn on municipal bonds will be taxable. Your custodian will notify you by January 31 of the year for which the required minimum distribution (RMD) is due. That RMD will be based on the value of all of all your investments in your traditional IRA accounts and your age. The bal
The Savings Game: The advantages of Roth accounts (opens the original)
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It may be true that your marginal tax bracket is likely the lowest tax rate you will ever have when you start working, but that is only one of the reasons you should NEVER make a traditional IRA or 401(k) contribution if you can make a Roth contribution. If there is one investment decision I regret, it is not opening a Roth account earlier. In addition, I regret not converting more of my traditional IRA accounts to Roth accounts. Most individuals don’t use the Roth option when they can because t
The Savings Game: Municipal bond education (opens the original)
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Many of my readers have diversified portfolios that contain investments in fixed income investments such as long-term Treasury bonds, individual municipal bonds, insured municipal bonds, and municipal bond funds. Personally, I have always maintained some of my portfolio in fixed income investments, including municipal bond investments. As I have indicated in many of my columns, I believe that, on a long-term basis, investors should maintain a significant portion of their diversified portfolio in
The Savings Game: A better way to collect (and pay off) consumer debt (opens the original)
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It is no secret that too many U.S. consumers have been using credit cards indiscriminately in the last few years, and as a result are having difficulty paying off their debts. Finance corporations, in turn, have been using debt collectors more than ever before because too many card-holders are unable to even make minimum payments. My aim in this column is to offer some advice to both financial controllers who are not receiving acceptable debt payments and debtors who are facing debt collectors.
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