Here, you create something called an income ladder, which minimizes the risks of needing to sell stocks in a down market.

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If the number is below 100%, the company is making an underwriting profit (investment income isn't counted here).

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"There are no jobs here, so a lot of people won't have much of an income for quite a long time, " she added.

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But here at home the state level is where the income tax battle is taking an astonishing turn.

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Here's why: If you stash all your stock in an IRA rollover, you will be taxed at your income tax rate when you start pulling the money out at retirement.

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