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Americans are facing an unprecedented tax increase of nearly $500 billion on Jan. 1, 2013, from the so-called "fiscal cliff." Are you ready? Here are 10 year-end tax strategies I recommend:
Non-qualified annuities are insurance contracts that you buy yourself, rather than through an employer. Withdrawals from annuities are taxed as ordinary income.
A withdrawal of $200,000 in taxable income will cost $9,200 less in 2012 than in 2013 at the top tax rate.
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