Michael Maye is the founder and president of MJM Financial Advisors (www.mjmfinadv.com), a registered investment advisory firm in Berkeley Heights, N.J. He is a member of the National Association of Personal Financial Advisors (NAPFA) and has been a speaker covering tax topics at NAPFA's national and regional conferences. Maye has also been a frequent contributor to the Star Ledger of New Jersey's "Biz Brain" and "Get With the Plan" articles. In addition to NAPFA, he is a member of Financial Planning Association, American Institute of Certified Public Accountants, New Jersey State Society of CPAs and the Estate Planning Council of Northern New Jersey.
Selfishness -- and, apparently, poor math skills -- stand in the way of government programs we like.
Even if Republicans gain control of Congress, taxes -- sooner or later -- will have to increase to pay the federal debt.
Some government seems to punish citizens for taking care of their health and finances.
Heading into 2013, any investment assets producing little or no current income will be the way to go.
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