Draft of letter before I send it

[gwendally]

Dear Senator Kerry, Brown, and Representative Olver:

Comments

[barking_iguana]

without hardly anyone noticing it.

Unless you're intentionally using a slangy idiom.

[gwendally]

Thanks, corrected.

[allyphoe]

If you're looking for that kind of correction, "who," not "that," in the first sentence of the second paragraph.

[gwendally]

Thanks.

That, and any other sorts of corrections.

I typically write something and then go away for an hour or so and then reread it before I send it.

[radven]

Even though I am managing to use the 0% capital gains rate to my great advantage, I completely agree with you. It is giving the wrong incentives.

I was on the verge of converting my IRA to a Roth when I stumbled across the 0% capital gains rate rules. As I understand it, because I need to stay eligible for the 0% tax rate, it makes no sense to do a Roth conversion this year and have the conversion amount counted as income. To keep as much of my realized capital gains this year tax-free, I'm actually doing everything I can to defer income into next year.