Locanda AllePorte 1632 Default What Is a Roth IRA?

What Is a Roth IRA?

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.

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Drink Water< DammitDrink Water< Dammit

Want Stronger Bones? Drink More Water, Dammit!

A 7 min read

 

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

Easy Solutions For Transporting Your Power WheelchairEasy Solutions For Transporting Your Power Wheelchair

Mobility assistance is certainly needed when you have a senior member in your family, or you have in your care a person who has actually become unstable to some extent for whatever factor. Now, there are a lot of offered options for mobility equipment. In the past, you would think the wheelchair as the only mobility aid choice that you can get for the person in need. But today, there are lots of items you can select from! You can choose to get a power wheelchair, for starters. You can also choose the power scooter! Both of these alternatives deal with the issue of immobility in a more fashionable way.

You have the scooter lift, mobility lifts, wheelchair carriers, and wheelchair ramps. The concept of mobility is not too tough to comprehend for this equipment. Surely the transport of wheelchairs and power scooters are much easier? This business can help with any of your mobility requirements:

 

 

What’s more, you are actually given a lot of alternatives for these! With wheelchair carriers, you can choose to get one with automatic functions. A wheelchair rack can come with a drive lift that is run by a motor. A lift can quickly pick up the wheelchair to any direction, to supply you much easier access to it. The automatic wheelchair rack can also be put right in back of your automobile, without offering you any fret about the device falling off. Because it comes with automatic locking mechanisms it is safe.

Scooter lifts can be easily attached at the back of your automobile, which in turn, supplies much easier storage of your mobility scooter. Thus, wherever your location might be, you can conveniently mount the mobility scooter at the back of your automobile. Many scooter lifts also come with locking mechanisms, so falling off would never be an issue here.

When it comes to wheelchair ramps, the popular options are actually the portable ones. One particular favorite is the roll up ramp. By the name itself, this ramp can actually be rolled up via its specially created hinges, making it really portable. What’s more, most roll up ramps are made from aluminum, so weight is not an issue here at all. Now, this is a quite cool mobility service for the issue of immobility.

In Conclusion

In the past, you would believe the wheelchair as the only mobility help that you can get for the person in need. You have the scooter lift, mobility lifts, wheelchair carriers, and wheelchair ramps. Surely the transport of wheelchairs and mobility scooters are much easier? With wheelchair carriers, you can choose to get one with automatic functions. The automatic wheelchair provider can also be put right in back of your automobile, without offering you any concerns about the device falling off.

Greatest Guide To Leasing Office SpaceGreatest Guide To Leasing Office Space

Many organisations will need to look for commercial office space for lease at some point. We have a different solution to searching through never-ending online listings to locate commercial real estate for lease or commercial office space for lease in your area.

How To Lease Commercial Property A commercial real estate rent is known as a contract arrangement that enables an occupant to lease commercial area from a landlord. The procedure for locating office space for rent & discussing a commercial lease can be a lengthy and complex process so it is imperative that you know the market you are in and the actions required to ensure that you find the appropriate area,avoid mistakes,and negotiate the best deal possible.

#1 Consider Obtaining Help From A tenant advisor. Renting or purchasing industrial real-estate is totally various from your common real-estate experience purchasing a home. Hopefully,you won’t need to rent office area that often,exactly the same with rent renewals. But when you do need to,it is preferable to consider the expertise of your own industrial broker; a certified office tenant associate. They’re industrial agents who specialize in representing renters,not landlords. They are skilled at relationship developing and must know how to include the needs of renters,landlords,and leasing agents into agreed-upon offers. Landlord reps must have a thorough knowledge of tenant demographics,occupancy prices,leasing prices,and business developments. An excellent tenant associate will also be able to create the leverage required at the start of the procedure to bolster your position throughout the negotiation phase.

#2 Determine Your Preferences It’s essential that you spend some time to recognize your business’ tradition and present and long term requirements. During this assessment figure out the best location,size,budget,growth needs,and timeline. Bear in mind most rentals are three to five years long so it is essential that you do your very best to organize and budget accordingly.

#3 Seek out Office Space If you’re similar to most businesses,you likely do not search often,making the procedure every one of the more difficult. The rise of online industrial real-estate tools has led to a spectacular shift in the way in which companies search for area. As our everyday life move more and more on the internet,the appeal of industrial real-estate search tools like will carry on and draw renters to check out properties online. Try using a web-based search device that has a helpful user-interface that has in depth listings to find your neighborhood for small company office areas for rent. Search for a search functionality that may separate out by properties types such as office,industrial,retail,among others. However,no online search device can compare to the deep market knowledge,connections and expertise that A tenant advisor can provide. They will help companies like yours in the search,selection,negotiation,and occupancy of industrial offices,warehouse area,and retail area for rent.

#4 Send Proposals To Landlords Now it is time for you to send out recommendations to the landlord agents. At this point you have shrunken it down to the areas that satisfy your ideal dimensions,location,and spending budget. Do not be influenced to put all your eggs in one basket,particularly in a hot market. Ideally you want to send out out multiple recommendations to be able to allow the landlords to compete for your tenancy. It would also give you back ups in case one area gets leased to a new tenant. In case you are working with a tenant advisor then they’ll draft recommendations on your behalf,or else in case you are doing everything all on your own then you would have to draft the recommendations yourself.

#5 Analyze The Proposals The best real estate recommendations have a single typical characteristic – they’re deeply customized to match you,the client whose business they want to win. Property owners would discuss deal conditions and then prepare rent recommendations for potential renters with the renters directly or their agents or reps if appointed. In case you take on a tenant advisor they’ll help prepare an evaluation of the landlord recommendations that you receive back. The aim is to accomplish a comparison of the various rent terms and you would have to layout this evaluation in a method that makes them easy to compare. You would have to work together with your tenant advisor in the event you appointed one,as well as your legal counsel to negotiate and enhance business and legal terms and prepare recommendations and counter-proposals. Be prepared for some hard work at this phase as the rent would be a long one and not easily altered once primarily agreed.

#6 Work Out The Bargain Potential renters typically undervalue the length of time it would take to locate a suited location and negotiate a rent. The more ideal tenant you are,the simpler it would be to negotiate rent and other important aspects of the rent. Even though agents or tenant’s reps are beneficial,a sensible tenant would engage a lawyer to review the rent extensively and negotiate to enhance the rent for the tenant’s benefit.

#7 Build Out & Move In After agreeing and signing your commercial property lease contract you have to prepare everything for your business to move in and start operating. In case you find yourself in a new location that you’re not familiar with,and if you’ve got a tenant’s rep,you may well find they’ll have local knowledge that you can tap into. Knowledge of getting all the services that you would require connected,local business regulations,employing local contractors and local registration processes,might be a terrific time saver.