abadvisorattorneyaveragebadbalancebenefitsbillbillscaliforniacashcharitablecharitycollegecompanycreditcryptocurrencydeductiondifferencedifferencesdistributiondividendsdonatedowelectriceligibleendetfsexpensesexplainedfiduciaryformsfundsgoodhomehomeownersincreaseindexindustrialinheritedinsuranceinvestinvestmentinvestorsirajoneskeyknowmortgageneedofficepayplanplanspropertyqualifiedreasonsrefundablerefundsreportsrmdrulesecuritysocialsplitstockstockstaxationtaxedtimetreasurytrumptrusttypesugmaunderstandinguseutmavehicleworkyear