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	<title>Michael Gray, CPA&#039;s Blog &#187; Individual income tax</title>
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	<link>http://michaelgraycpa.com</link>
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			<item>
		<title>What should you know about estate planning for retirement accounts?</title>
		<link>http://michaelgraycpa.com/2012/03/28/what-should-you-know-about-estate-planning-for-retirement-accounts/</link>
		<comments>http://michaelgraycpa.com/2012/03/28/what-should-you-know-about-estate-planning-for-retirement-accounts/#comments</comments>
		<pubDate>Wed, 28 Mar 2012 14:18:33 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Financial Insider Weekly]]></category>
		<category><![CDATA[Personal Financial Planning]]></category>
		<category><![CDATA[Roths and IRAs]]></category>
		<category><![CDATA[401(k)]]></category>
		<category><![CDATA[account]]></category>
		<category><![CDATA[estate]]></category>
		<category><![CDATA[ira]]></category>
		<category><![CDATA[retirment]]></category>
		<category><![CDATA[roth]]></category>
		<category><![CDATA[Tax matters]]></category>

		<guid isPermaLink="false">http://michaelgraycpa.com/?p=1107</guid>
		<description><![CDATA[This week’s interview on Financial Insider Weekly is with Raymond Sheffield, attorney at law.   Our interview subject is "Estate planning for retirement accounts". ]]></description>
			<content:encoded><![CDATA[<p>This week’s interview on Financial Insider Weekly to be broadcast in San Jose and Campbell this Friday, March 30 is with Raymond Sheffield, attorney at law.  Our interview subject is, &#8220;Estate planning for retirement accounts&#8221;. The interview will be broadcast at 8:00 p.m. Pacific Time on CreaTV, Comcast Channel 15 in San Jose and Campbell, and will be broadcast as streaming video at the same time at <a href="http://www.creatvsj.org" rel="nofollow" >www.creatvsj.org</a>.</p>
]]></content:encoded>
			<wfw:commentRss>http://michaelgraycpa.com/2012/03/28/what-should-you-know-about-estate-planning-for-retirement-accounts/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What alternative investments besides real estate can be made using an IRA or Roth account?</title>
		<link>http://michaelgraycpa.com/2012/03/07/what-alternative-investments-besides-real-estate-can-be-made-using-an-ira-or-roth-account/</link>
		<comments>http://michaelgraycpa.com/2012/03/07/what-alternative-investments-besides-real-estate-can-be-made-using-an-ira-or-roth-account/#comments</comments>
		<pubDate>Wed, 07 Mar 2012 16:15:33 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Insider Weekly]]></category>
		<category><![CDATA[Roths and IRAs]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[ira]]></category>
		<category><![CDATA[roth]]></category>
		<category><![CDATA[Tax matters]]></category>

		<guid isPermaLink="false">http://michaelgraycpa.com/?p=1090</guid>
		<description><![CDATA[This week’s interview on Financial Insider Weekly is with Lamarr Baxter of Entrust Administration, Inc.   Our interview subject is "Making alternative investments besides real estate using your IRA or Roth account". ]]></description>
			<content:encoded><![CDATA[<p>This week’s interview on Financial Insider Weekly to be broadcast in San Jose and Campbell this Friday, March 9 is with Lamarr Baxter of Enrust Administration, Inc.  Our interview subject is, &#8220;Making alternative investments besides real estate using your IRA or Roth account&#8221;. The interview will be broadcast at 8:00 p.m. Pacific Time on CreaTV, Comcast Channel 15 in San Jose and Campbell, and will be broadcast as streaming video at the same time at <a href="http://www.creatvsj.org" rel="nofollow" >www.creatvsj.org</a>.</p>
]]></content:encoded>
			<wfw:commentRss>http://michaelgraycpa.com/2012/03/07/what-alternative-investments-besides-real-estate-can-be-made-using-an-ira-or-roth-account/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How can you invest in real estate with an IRA or Roth account?</title>
		<link>http://michaelgraycpa.com/2012/02/29/how-can-you-invest-in-real-estate-with-an-ira-or-roth-account/</link>
		<comments>http://michaelgraycpa.com/2012/02/29/how-can-you-invest-in-real-estate-with-an-ira-or-roth-account/#comments</comments>
		<pubDate>Wed, 29 Feb 2012 16:11:24 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Insider Weekly]]></category>
		<category><![CDATA[Individual income tax]]></category>
		<category><![CDATA[Personal Financial Planning]]></category>
		<category><![CDATA[Roths and IRAs]]></category>
		<category><![CDATA[estate]]></category>
		<category><![CDATA[invest]]></category>
		<category><![CDATA[ira]]></category>
		<category><![CDATA[real]]></category>
		<category><![CDATA[roth]]></category>
		<category><![CDATA[Tax matters]]></category>

		<guid isPermaLink="false">http://michaelgraycpa.com/?p=1084</guid>
		<description><![CDATA[This week’s interview on Financial Insider Weekly is with Lamarr Baxter of Entrust Administration, Inc.   Our interview subject is "Investing in real estate using your Roth or IRA account". ]]></description>
			<content:encoded><![CDATA[<p>This week’s interview on Financial Insider Weekly to be broadcast in San Jose and Campbell this Friday, March 2 is with Lamarr Baxter of Enrust Administration, Inc.  Our interview subject is, &#8220;Investing in real estate using your Roth or IRA account&#8221;. The interview will be broadcast at 8:00 p.m. Pacific Time on CreaTV, Comcast Channel 15 in San Jose and Campbell, and will be broadcast as streaming video at the same time at <a href="http://www.creatvsj.org" rel="nofollow" >www.creatvsj.org</a>.</p>
]]></content:encoded>
			<wfw:commentRss>http://michaelgraycpa.com/2012/02/29/how-can-you-invest-in-real-estate-with-an-ira-or-roth-account/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What income tax problems do same sex couples have?</title>
		<link>http://michaelgraycpa.com/2012/02/15/what-income-tax-problems-do-same-sex-couples-have/</link>
		<comments>http://michaelgraycpa.com/2012/02/15/what-income-tax-problems-do-same-sex-couples-have/#comments</comments>
		<pubDate>Wed, 15 Feb 2012 16:51:57 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Insider Weekly]]></category>
		<category><![CDATA[Individual income tax]]></category>
		<category><![CDATA[couples]]></category>
		<category><![CDATA[gay]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[same]]></category>
		<category><![CDATA[sex]]></category>
		<category><![CDATA[Tax matters]]></category>

		<guid isPermaLink="false">http://michaelgraycpa.com/?p=1066</guid>
		<description><![CDATA[This week’s interview on Financial Insider Weekly is with Professor Patricia Cain of Santa Clara University School of Law. Our interview subject is "Income tax problems of same sex couples.". ]]></description>
			<content:encoded><![CDATA[<p>This week’s interview on Financial Insider Weekly to be broadcast in San Jose and Campbell this Friday, February 17 is with Professor Patricia Cain of Santa Clara University School of Law.  Our interview subject is, &#8220;Income tax problems of same sex couples&#8221;. The interview will be broadcast at 8:00 p.m. Pacific Time on CreaTV, Comcast Channel 15 in San Jose and Campbell, and will be broadcast as streaming video at the same time at <a href="http://www.creatvsj.org" rel="nofollow" >www.creatvsj.org</a>.</p>
]]></content:encoded>
			<wfw:commentRss>http://michaelgraycpa.com/2012/02/15/what-income-tax-problems-do-same-sex-couples-have/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How tax benefits can help finance a college education</title>
		<link>http://michaelgraycpa.com/2012/02/01/how-tax-benefits-can-help-finance-a-college-education/</link>
		<comments>http://michaelgraycpa.com/2012/02/01/how-tax-benefits-can-help-finance-a-college-education/#comments</comments>
		<pubDate>Wed, 01 Feb 2012 15:58:21 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Insider Weekly]]></category>
		<category><![CDATA[Individual income tax]]></category>
		<category><![CDATA[Personal Financial Planning]]></category>
		<category><![CDATA[college]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[Tax matters]]></category>
		<category><![CDATA[university]]></category>

		<guid isPermaLink="false">http://michaelgraycpa.com/?p=1055</guid>
		<description><![CDATA[This week’s interview on Financial Insider Weekly is with David Beck, CFP(R) of Bay Area Planners. Our interview subject is "How tax benefits can help finance a college education". ]]></description>
			<content:encoded><![CDATA[<p>This week’s interview on Financial Insider Weekly to be broadcast in San Jose and Campbell this Friday, February 3 is with David Beck, CFP(R) of Bay Area Planners.  Our interview subject is, &#8220;How tax benefits can help finance a college education&#8221;. The interview will be broadcast at 8:00 p.m. Pacific Time on Comcast Channel 15 in San Jose and Campbell, and will be broadcast as streaming video at the same time at <a href="http://www.creatvsj.org" rel="nofollow" >www.creatvsj.org</a>.</p>
]]></content:encoded>
			<wfw:commentRss>http://michaelgraycpa.com/2012/02/01/how-tax-benefits-can-help-finance-a-college-education/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>How should you care for incapacitated family members and friends?</title>
		<link>http://michaelgraycpa.com/2012/01/18/how-should-you-care-for-incapacitated-family-members-and-friends/</link>
		<comments>http://michaelgraycpa.com/2012/01/18/how-should-you-care-for-incapacitated-family-members-and-friends/#comments</comments>
		<pubDate>Wed, 18 Jan 2012 16:32:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Financial Insider Weekly]]></category>
		<category><![CDATA[Individual income tax]]></category>
		<category><![CDATA[Personal Financial Planning]]></category>
		<category><![CDATA[care]]></category>
		<category><![CDATA[elder]]></category>
		<category><![CDATA[health]]></category>
		<category><![CDATA[law]]></category>

		<guid isPermaLink="false">http://michaelgraycpa.com/?p=1044</guid>
		<description><![CDATA[This week’s interview on Financial Insider Weekly is with attorney Bettie Baker Marshall. Our interview subject is "Caring for incapacitated family members and friends". ]]></description>
			<content:encoded><![CDATA[<p>This week’s interview on Financial Insider Weekly to be broadcast in San Jose and Campbell this Friday, January 120 is with attorney Bettie Baker Marshall.  Our interview subject is, &#8220;Caring for incapacitated family members and friends&#8221;. The interview will be broadcast at 8:00 p.m. Pacific Time on Comcast Channel 15 in San Jose and Campbell, and will be broadcast as streaming video at the same time at <a href="http://www.creatvsj.org" rel="nofollow" >www.creatvsj.org</a>.</p>
]]></content:encoded>
			<wfw:commentRss>http://michaelgraycpa.com/2012/01/18/how-should-you-care-for-incapacitated-family-members-and-friends/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Year End Tax Planning For Employee Stock Options Telephone Seminar</title>
		<link>http://michaelgraycpa.com/2011/11/09/year-end-tax-planning-for-employee-stock-options-telephone-seminar/</link>
		<comments>http://michaelgraycpa.com/2011/11/09/year-end-tax-planning-for-employee-stock-options-telephone-seminar/#comments</comments>
		<pubDate>Wed, 09 Nov 2011 15:37:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Employee Stock Options]]></category>
		<category><![CDATA[Individual income tax]]></category>
		<category><![CDATA[Personal Financial Planning]]></category>
		<category><![CDATA[Tax matters]]></category>
		<category><![CDATA[employee]]></category>
		<category><![CDATA[ISO]]></category>
		<category><![CDATA[NQO]]></category>
		<category><![CDATA[NQSO]]></category>
		<category><![CDATA[NSO]]></category>
		<category><![CDATA[option]]></category>
		<category><![CDATA[seminar]]></category>
		<category><![CDATA[stock]]></category>

		<guid isPermaLink="false">http://michaelgraycpa.com/?p=986</guid>
		<description><![CDATA[Michael Gray will be giving a telephone seminar, “Year-End Tax Planning For Employee Stock Options”, Friday, November 25 from 1 to 2:30 p.m. Pacific Time.  ]]></description>
			<content:encoded><![CDATA[<p>Michael Gray will be giving a telephone seminar, “Year-End Tax Planning For Employee Stock Options”, Wednesday, November 30 from 1 to 2:30 p.m. Pacific Time.  The fee for participants is $97.  To get more details or make a  reservation, call Dawn Siemer at 408-918-3161 or visit http://www.stockoptionadvisors.com/nov2011teleseminar.shtml.</p>
]]></content:encoded>
			<wfw:commentRss>http://michaelgraycpa.com/2011/11/09/year-end-tax-planning-for-employee-stock-options-telephone-seminar/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Live Tax Planning For Short Sales and Foreclosures Seminar</title>
		<link>http://michaelgraycpa.com/2011/11/02/live-tax-planning-for-short-sales-and-foreclosures-seminar/</link>
		<comments>http://michaelgraycpa.com/2011/11/02/live-tax-planning-for-short-sales-and-foreclosures-seminar/#comments</comments>
		<pubDate>Wed, 02 Nov 2011 21:58:47 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Individual income tax]]></category>
		<category><![CDATA[Personal Financial Planning]]></category>
		<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[estate]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[real]]></category>
		<category><![CDATA[sale]]></category>
		<category><![CDATA[seminar]]></category>
		<category><![CDATA[short]]></category>
		<category><![CDATA[Tax matters]]></category>

		<guid isPermaLink="false">http://michaelgraycpa.com/?p=989</guid>
		<description><![CDATA[On December 9, Michael Gray, CPA will be speaking about “Tax Planning For Real Estate Short Sales and Foreclosures”.]]></description>
			<content:encoded><![CDATA[<p>On December 9, Michael Gray, CPA will be speaking about “Tax Planning For Real Estate Short Sales and Foreclosures”.  The seminar will take place from noon to 1:30 p.m. at Hobee’s Restaurant in the Pruneyard, in Campbell.  Lunch is included.  The fee for participants is $97.  To get more details or make a reservation, call Dawn Siemer on Mondays, Wednesdays or Fridays at 408-918-3162 or visit our website at http://www.realestateinvestingtax.com/shortsale-seminar.shtml.</p>
]]></content:encoded>
			<wfw:commentRss>http://michaelgraycpa.com/2011/11/02/live-tax-planning-for-short-sales-and-foreclosures-seminar/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Live Year End Tax Planning For Employee Stock Options Seminar</title>
		<link>http://michaelgraycpa.com/2011/11/02/live-year-end-tax-planning-for-employee-stock-options-seminar/</link>
		<comments>http://michaelgraycpa.com/2011/11/02/live-year-end-tax-planning-for-employee-stock-options-seminar/#comments</comments>
		<pubDate>Wed, 02 Nov 2011 21:53:35 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Employee Stock Options]]></category>
		<category><![CDATA[Individual income tax]]></category>
		<category><![CDATA[Personal Financial Planning]]></category>
		<category><![CDATA[Tax matters]]></category>
		<category><![CDATA[employee]]></category>
		<category><![CDATA[ISO]]></category>
		<category><![CDATA[NQO]]></category>
		<category><![CDATA[NQSO]]></category>
		<category><![CDATA[NSO]]></category>
		<category><![CDATA[option]]></category>
		<category><![CDATA[seminar]]></category>
		<category><![CDATA[stock]]></category>

		<guid isPermaLink="false">http://michaelgraycpa.com/?p=983</guid>
		<description><![CDATA[On December 2, Michael Gray, CPA will give a live lunchtime seminar about “Year End Tax Planning For Employee Stock Options”.    ]]></description>
			<content:encoded><![CDATA[<p>On December 2, Michael Gray, CPA will give a live lunchtime seminar about “Year End Tax Planning For Employee Stock Options”.    The seminar will take place from noon to 1:30 p.m. at Hobee’s Restaurant in the Pruneyard, in Campbell.  Lunch is included.  The fee for participants is $97.  To get more details or make a reservation, call Dawn Siemer on Mondays, Wednesdays or Fridays at 408-918-3162 or visit our website at http://www.stockoptionadvisors.com/nov2011seminar.shtml.</p>
]]></content:encoded>
			<wfw:commentRss>http://michaelgraycpa.com/2011/11/02/live-year-end-tax-planning-for-employee-stock-options-seminar/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What are hedging strategies for employee stock options?</title>
		<link>http://michaelgraycpa.com/2011/10/12/what-are-hedging-strategies-for-employee-stock-options/</link>
		<comments>http://michaelgraycpa.com/2011/10/12/what-are-hedging-strategies-for-employee-stock-options/#comments</comments>
		<pubDate>Wed, 12 Oct 2011 16:42:02 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Employee Stock Options]]></category>
		<category><![CDATA[Financial Insider Weekly]]></category>
		<category><![CDATA[Personal Financial Planning]]></category>
		<category><![CDATA[employee]]></category>
		<category><![CDATA[ESPP]]></category>
		<category><![CDATA[hedging]]></category>
		<category><![CDATA[incentive]]></category>
		<category><![CDATA[ISO]]></category>
		<category><![CDATA[nonqualified]]></category>
		<category><![CDATA[NQO]]></category>
		<category><![CDATA[NQSO]]></category>
		<category><![CDATA[option]]></category>
		<category><![CDATA[stock]]></category>

		<guid isPermaLink="false">http://michaelgraycpa.com/?p=958</guid>
		<description><![CDATA[This week’s interview on Financial Insider Weekly is with John Olagues of Truth in Options.  Our interview subject is, "Hedging strategies for Employee Stock Options". ]]></description>
			<content:encoded><![CDATA[<p>This week’s interview on Financial Insider Weekly to be broadcast in San Jose and Campbell this Friday, October 14, is with John Olagues of Truth in Options.  Our interview subject is, &#8220;Hedging strategies for Employee Stock Options&#8221;. The interview will be broadcast at 8:00 p.m. Pacific Time on Comcast Channel 15 in San Jose and Campbell, and will be broadcast as streaming video at the same time at <a href="http://www.creatvsj.org" rel="nofollow" >www.creatvsj.org</a>.</p>
<p>Remember you can find past episodes at http://www.financialinsiderweekly.com under &#8220;past episodes&#8221;.</p>
]]></content:encoded>
			<wfw:commentRss>http://michaelgraycpa.com/2011/10/12/what-are-hedging-strategies-for-employee-stock-options/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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