Maurice Algazi barely knew what hit him. A strategic planner at a big food-service company and a careful investor from Gaithers-burg, Md., Algazi nonetheless was shocked a couple of years back when his Franklin Temple-ton mutual fund made a huge capital-gains distribution. "It was pretty ugly," he told me. "My [taxable] income jumped by 30%." The next year, Algazi had to go through the rig- marole of estimating his taxes quarterly for the Internal Rev-enue Service.
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