One of the easiest things an investor can do to improve their portfolio's take-home return is to pay attention to tax efficiency. Like retirees, savers should stay attuned to tax efficiency in their taxable accounts. If a manufacturer’s bulb has earned the star, it means that it meets a long list of requirements: It dims well, it doesn’t flicker, and it gives off a good light color-all while meeting strict energy efficiency standards. We never really were given a good reason as to why it took administration so long to make the decision to send us home, some people speculated that it was because teachers couldn't take attendance without their computers, others think they may have been forced to by the district, or maybe they had to convince the district to let them, and a few others were convinced that they sent everyone home because they were sick of complaints about there bing no air conditioning. In addition to tilting their investment portfolios heavily toward stocks, people with many years until retirement can also reasonably hold more in potentially more volatile asset class subsets, such as small-cap stocks and foreign stocks and bonds, than people with shorter time horizons.
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