yourfanat wrote: I am using another tool for Oracle developers - dbForge Studio for Oracle. This IDE has lots of usefull features, among them: oracle designer, code competion and formatter, query builder, debugger, profiler, erxport/import, reports and many others. The latest version supports Oracle 12C. More information here.

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KEEP IT! The Fiscal Cliff IRA Survival Guide
IRA owners learn how to rescue millions from the impending fiscal cliff

HENDERSON, Nev., Dec. 11, 2012 /PRNewswire/ -- Individual Retirement Accounts (IRAs) are often referred to as "nest eggs" requiring care and protection during the owners' working years. It is hard to think of anything more dangerous to a fragile egg than shoving it off a cliff to be smashed into bits below. The so-called fiscal cliff harbors danger for the nation's IRA owners, and it's doubtful that all the king's horses and men will be able to put these retirement eggs back together again. In this case, the king's horses and men are waiting at the bottom to pick through the pieces and take the king's share.

IRA owners face onerous tax consequences from the fiscal cliff. IRAs will produce less cash flow to retirees as a result of the higher tax rates applied to withdrawals. Required minimum distributions for IRA owners over age 70 ½ will be calculated the same but result in less money available for the retirees to spend due to a larger tax bite. Estate taxes will take a much larger percentage of IRA assets starting in 2013. IRA distributions count toward gross income which could help push some IRA owners over the minimum income threshold where the new 3.8% healthcare surtax kicks in for investment income. Consider the frustration of an IRA owner who used a retirement account to defer taxes on income while they were working only to withdraw it subject to higher tax rates in retirement.

These looming threats to IRAs make strategies specifically designed to minimize the tax impact on retirement funds more important. It is imperative that IRA owners and professional advisors (CPAs, financial advisors, attorneys, etc.) become familiar with as many tax mitigation opportunities as possible for these accounts. Luckily, there is a resource that highlights some of the most advanced tax reduction strategies available to IRA owners, and it's now being hailed as a fiscal cliff survival guide for IRAs. It is the book: KEEP IT! Advanced Tax Strategies for IRAs.

"KEEP IT! was specifically written for both advisors and individuals to learn more about how to pay less tax on a wide variety of IRA transactions and thus keep more of the money rather than lose it to Uncle Sam," says author and IRA expert Joe Luby.

Now through December 31st, buyers can use the discount code "2012CLIFF" and receive 20% off the cover price when ordering copies directly from the author's company website,


Fix IRA Valuation Mistakes

Lauren Gabourel
Operations Manager, Jagen™ LLC
1055 Whitney Ranch Drive Suite 110
Henderson, NV 89014
P. 702.451.3456

This press release was issued through eReleases® Press Release Distribution. For more information, visit


About PR Newswire
Copyright © 2007 PR Newswire. All rights reserved. Republication or redistribution of PRNewswire content is expressly prohibited without the prior written consent of PRNewswire. PRNewswire shall not be liable for any errors or delays in the content, or for any actions taken in reliance thereon.

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