Roth IRAs provide individuals with an account that allows them to invest in various assets. You can open one through any number of custodians such as banks or brokerage firms and then begin saving by contributing or transferring money into it.

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Know Your Options When Saving for RetirementIt is essential that you know all your options when saving for retirement, and Thrivent financial advisors can assist in understanding what makes a Roth IRA different and how it could fit with existing accounts.

Contributions are tax-free

Roth IRAs allow for withdrawals of contributions without tax or penalty. Traditional IRAs, on the other hand, allow withdrawals after tax with a 10% penalty. To qualify for a Roth IRA, your earned income must fulfill certain criteria, such as salaries, hourly wages, bonuses commissions or self-employed income – Social Security benefits retirement distributions and unemployment compensation do not count towards eligibility criteria.

Roth IRAs allow you to withdraw your earnings tax-free after age 59 1/2 (subject to certain exceptions). Your withdrawals of earnings from Roth IRAs are tax-free after age 59 1/2 (subject to certain exceptions); unlike traditional IRAs or 401(k)s that require you to pay taxes when withdrawing funds before age 59 1/2; in most cases a 10% penalty must be assessed if withdrawals occur prior to this point.

There are no required minimum distributions

Roth IRAs do not have required minimum distributions (RMDs), allowing investment earnings to accrue tax-free. This is a significant benefit for people who expect to be in lower income brackets during retirement. You may withdraw principal from your Roth IRA at any time without incurring taxes or penalties; however, withdrawals before age 59 1/2 could trigger income taxes as well as a 10% penalty (unless exception applies).

RMDs are required for traditional IRAs starting at 72 or 70 1/2 years old, depending on the year you were born. The IRS provides a table of life expectancy that is used to calculate withdrawals. If you miss your RMD, there may be penalties up to 25% of its amount that must be paid, in addition to regular income taxes on this missed distribution – making this another compelling reason to consult both tax and legal advisors before making investment decisions.

You can withdraw your earnings tax-free at any age

Your Roth IRA contributions can be withdrawn at any time; however, it’s wiser not to do so until retirement has arrived. Withdrawals before age 59 1/2 will incur taxes and an early withdrawal penalty of 10% of earnings; however this penalty may be waived depending on circumstances.

If you are older than 59 and meet the five-year rule, it is possible to withdraw investment earnings at any age without penalties. However, you must pay income tax on them.

Contributing to a Roth IRA is based on your modified-adjusted gross income (MAGI), a figure that includes all deductions, credits and qualifying income taxes. Contributors with MAGIs below $138,000 for single filers or $228k if filing jointly may make tax-free contributions – also, “taxable compensation” must have been received during this year in order to qualify.

No income cap

Roth IRAs do not have an income limit, but the contribution limits are based on your filing status and gross adjusted income. This is to ensure fairness for all workers and prevent those with high incomes from benefiting more than others. The 401(k), however, uses non-discrimination criteria to determine eligibility for contributions.

Roth IRA contributions are only possible with earned income, such as your salary, wages per hour, tips, or commissions that you have received. Investment income such as dividends or interest or Social Security benefits do not count towards earned income and cannot be contributed using Roth IRAs.

Roth IRA contribution limits can change every year. The current limit is $6,500 for anyone under 50. If you go over this limit, an extra $1,000 in “catch-up contributions” will be allowed. The IRS imposes a 6% fee on excess contributions or earnings in your account. To avoid this, you must withdraw the items within 6 months of your tax return deadline date, or file an amended return for prior year earnings and contributions.

The Latest Trends in Plastic Surgery

Fat transfer and face surgery are two of the most popular treatments, according to plastic experts. Plastic surgery is becoming increasingly fashionable. Americans increasingly seek cosmetic treatments and augmentations, says the American Society of Plastic Surgeons. According to the ASPS, 17 million surgical operations and less invasive treatments, such as laser hair removal and chemical peels, were performed in 2017. Breast augmentation remained the most popular operation for the third year in a row, with over 290,000 procedures performed.

The recently revealed data also shows that the number of cosmetic procedures focusing on the face is increasing.In addition, for the first time, a new form of cosmetic surgery appeared on the popular list.
Though the term “plastic surgery” conjures up images of chemical fillers, silicone breast implants, and injectable artificial components, the ASPS study indicates that patients prefer a more “natural” element in their “plastic” surgery: fat. In 2016, the number of minimally invasive cosmetic fat injections rose by 13%.
Furthermore, fat grafts in the buttocks were more popular last year, with a 26% increase. Breast augmentations using fat injections, on the other hand, experienced the most dramatic gain, with a 72 percent increase in one year.

“Liposuction is a technique used by plastic surgeons to remove excess fat from a patient’s belly. Then inject it into other regions to lift and rejuvenate them, such as the face, buttocks, and breast. “Dr. Arian Mowlavi, @drlaguna, a private practice plastic surgeon at The Cosmetic Plastic Surgery Institute in Newport Beach and Laguna Beach, California, explained. 
Newer operations concentrate on eliminating fat in less intrusive methods, and many of them are less expensive. More unique procedures might explain the growing popularity of fat transfer. Of course, a BBL is still the most popular fat transfer treatment.

While some people want to transfer fat from one region to another, others want to get rid of all fat. With almost 235,000 treatments, liposuction ranked second on the list of most frequent plastic surgeries.

People are strange. They just won`t drink enough water.

They somehow think that other liquids, especially those with some level of alcohol in them, are better than the sacred elixir that they are. They are? Yes! We are mostly water! And we use water! So Dammit, why won`t we drink enough water?

I`m constantly amused at the health revival stories on YouTube of people who drink ionized water. All sorts of miraculous cures are attributed to the drinking of what they claim is alkaline ionized water… but frankly, when I look at them, the vast majority of them were very unhealthy people to begin with – before they began to drink this `special` water. And 8 glasses of ANY kind of water is going to radically improve their wellbeing.

And of course, they all make money by saying their cure was due to their brand of water. It IS MLM after all!

Not that I`m against ionized water.. I`m just against having to pay $5000 to get it!
So here`s a thought.

 What if…

..just drinking sufficient water – not Pepsi, not Coke, not Gatorade, not orange juice… WATER was the real reason for their health revival? After all in his book, Your Body`s Many Cries For Water Dr Feyrood Batmanghelidj demonstrated conclusively that in the absence of other medicine, water alone affected amazing healings on the battleground of the Iraq-Iran war.

Dr. B. believes chronic dehydration to be the cause of many conditions including asthma, allergies, arthritis, angina, migraine headaches, hypertension, raised cholesterol, chronic fatigue syndrome, multiple sclerosis, depression, and diabetes in the elderly.

According to Dr. Batmanghelidj, the body possesses many different thirst signals. A dry mouth is not a reliable indicator of your body`s water needs. He describes a variety of more reliable ones, and helps you learn to understand when your body is calling for water. In this way, he claims you can prevent, treat, and cure a variety of conditions of ill health, at no cost, with what he calls nature`s miracle medicine: Water. He explains how much water one needs to drink a day to stay healthy, and why tea, coffee, and sodas are not good substitutes for water.

Whatever you are doing, wherever you are, hydration is critical for your health, including the health of your bones. What`s more, sstudies have now confirmed that water plays a crucial role in building strong bones.

Five easy ways to know if you’re drinking enough.

The attitude: be aware.

Adequate water intake = health. Dehydration negatively impacts the body’s thermoregulation, its capacity for physical activity, cognitive and kidney function, the digestive and cardiovascular systems, and your skin.1 It also negatively affects your bones (more on that later).

Water is two hydrogen atoms attached to a single oxygen atom. It`s indispensable since we can only survive a few days without it.

Modern diets often include sources of water that contribute to our hydration. Some foods, such as strawberries, watermelon and cabbage and many others are more than 90% water. Many beverages are water-based. However… the best way to stay hydrated is by drinking just water.

The Effect Of Age On Thirst And Hydration

Hydration should be a part of your daily routine no matter your age or condition. It`s not natural (but it seems natural!) that as we age we drink less, so we do need to become more proactive about it.

If we compare the relationship between thirst and fluid ingestion between younger and older people found that after water deprivation, we can see that older persons experience less thirst and hence drink less fluid than younger people. Older people are therefore more likely to fail to replenish their body’s supply of water, leaving them dehydrated. Dr Abram Hoffer worked in a canadian mental Institution. One day he was asked to administer electrotherapy to an old schizophrenic patient. The man was OLD. He applied the pads.. nothing happened. He did it again.. nothing.

The man was so dehydrated that electricity could not pass into his body. And he was.. just.. alive! So although we can survive with incredibly small amounts of water in the body, we can`t also expect to be healthy.

We should keep sipping water throughout the day, even when we don’t feel thirsty.
We should know how to tell when we’re dehydrated, so that we can take immediate action. We need to know the signals – Headaches, fatigue, muscle spasms, and dark urine are the obvious ones.. but there are more it;s good to be aware of.

1. Skin Elasticity

Pinch a little bit of your skin on the back of your hand between two fingers. Pull it up gently, then let go. It should immediately return its former position, smooth against your hand. This is a simple measurement of skin turgor or elasticity.

If you’re dehydrated, the skin will remain in the pinched position, or return more slowly than usual.

This simple test can tell whether you need to up your water intake.

2. Confusion: I`m not stupid, I`m dehydrated!

Dehydration affects the brain. Even mild levels of dehydration can disrupt mood, concentration, and cognitive function. Dehydration impairs performance on tasks, affecting short-term memory, perceptual discrimination, arithmetic ability, visuomotor tracking, and psychomotor skills.

If you are feeling lost, confused, or losing the ability to concentrate, t it may bea sign of dehydration. Slow down.
Drink water, Dammit!

3. Dog Breath

Bad breath, or halitosis, can indicate that you’re not getting enough H2O.

Why? Simple. Your body reduces saliva production. Saliva affects the number of bacteria in your mouth. It`s those bacteria that cause bad breath. Not enough water = increased bacteria levels in your mouth = Dog breath

Drink more water, Dammit!

4. Food Cravings

In a national study of almost 10,000 participants, researchers found a direct relationship between inadequate hydration and elevated body mass index (BMI) or obesity.

The study (once again) confirms that dehydration causes overeating. Sometimes when our body is trying to tell us to drink water, we interpret the signal as hunger and eat instead.

If you are regularly craving food, perhaps your dehydration is playing games with you. Adequate hydration can clear up the cravings, keeping you healthy and your weight down.

Drink water, Dammit!

5. Sweating Slows or Stops

Water understands its vital nature. Unfortunately is can`t talk.
Fortunately, your body will do just about anything to keep water when supplies are running low. One strategy is turning off your sweat glands. This can indicate severe dehydration. It may even be a marker of heat exhaustion or heat stroke.

Seek help immediately and start hydrating as soon as possible, especially if you feel faint, confused or hallucinatory.

What about Water and Bones?

What is your mind`s eye picture of a bone?
Let me guess.
It`s something hard, and dry. Brittle.

I`m sure most people don`t think of bone as `wet`.

But believe it or not, Mr Ripley, water is one of the main `íngredients` of bone, plus apatite mineral and collagen protein.

Without sufficient water, the mechanical properties of bone are negatively affected as well as bone quality.

We now see more studies demonstrating that dehydration actually causes an increase in bone damaging stress hormones – such as cortisol.
So not only do you need adequate hydration to build bone… dehydration is also actively harming your bone mineral density.

We talk to people every day at AlkaWay about water.
Usually it`s about the right sort of water to drink, and yes, we know that you can supercharge your water with alkaline minerals and molecular hydrogen for many, many health benefits. But we often don`t have the chance to talk to people (convince them!) of the absolute necessity of drinking enough water. Drop by. We just might change your mind.

Think of your prize possession; your car. You lavish money, love and more money on it because not only does it give you emotional support, it also opens the world to you. And you know that if you don`t. all that money you spent on it will be lost on ultra-expensive repairs.

So.. would you buy cheap oil for your car? Would you run it with constantly low oil in the sump? Why then do you do this with your body`s many cries for water“?

Drink Water, Dammit!

PS: And if that`s not enough, think about trying to overcome chronic inflammation without sufficient hydration.

While the effects of dehydration are often ignored or overlooked by med professionals, the link between hydration and inflammation seems obvious. Healthy inflammation is the body’s defense against invaders such as bacteria, viruses, and toxins in the environment. This defense is incomplete without the water needed to carry these negative factors out of the body. Isolating these invaders does no good if they are then left to sit within the body and allowed to er.. rot. Which in turn, causes a repetition of the inflammation designed to remove these negative influences and increases the possibility of this inflammation becoming chronic.

PPS: And if that`s not enough, latest science links ALZHEIMERS` with chronic inflammation!

Drink Water, Dammit!

Ian Blair Hamilton is the founder of AlkaWay and the inventor of the Primal Water system, the Ultrastream