5. Anyone who has sold a business, a building, or some other asset by setting up an installment agreement with the buyer might benefit by urging him or her to refinance and pay up completely as soon as possible. "I'm sure this 15 percent capital gains tax will end in 2012. You don't need a crystal ball to see that," says Rosenberg, who expects a dramatic increase by 2013.
The move shouldn't be a tough sell to make to your buyer, she says, because interest rates worldwide are low and will almost certainly go up. If you need to sweeten the deal, she suggests offering to pay some of the refinancing fees. "It will reduce your profit, but you're still going to save a lot of money in the long run."