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Compare Traditional IRA, Roth IRA, Infinite Roth on Roids?
Notes of traditional IRA, Roth IRA and Infinite Roth on Roids™ comparing the contribution limit amounts, earned income limits, tax deductibility provisions and age of forced withdrawals, early withdrawal tax penalties, growth period, risk assessment, tax distribution amounts and consequences of estate taxes of each IRA strategy.
These notes apply to the tax year 2008 and 2009.
Traditional IRA:
Contribution Limit Amount-,000 + ,000 if age 50 and above (,000).
Earned Income Limits-Based upon MAGI (Modified Adjusted Income) single, head of household, married filing single: full contribution to K, partial to K; married filing joint: full contribution to K, partial to 5K; can’t contribute more than your earned income for that year. (It’s complicated so please consult your tax advisor).
Tax Deductible-Yes, if you meet the age and earned income criteria.
Forced Withdrawals-Yes. Must withdraw at age 70 1/2. Penalty is 50% of required minimum distribution.
Early Withdrawal-Income taxable plus 10% penalty if distributed before age 59 1/2.
Growth Period-Tax deferred (Taxes are paid on distributions).
Risk-Yes, subject to the underlying investment assets and the ups and downs of the stock market.
Distributions-Taxable.
Estate Taxes-Yes. It’s part of the estate tax consequences. 70% to 80% double tax-trap if the large IRA (jumbo IRA) owner has an estate tax problem.
Roth IRA:
Contribution Limit Amount-,000 + ,000 if age 50 and above (,000).
Earned Income Limits-Based upon MAGI (Modified Adjusted Income) Single: full contribution to 1K partial to 6K; Married, full contribution up to 9K partial to 9K; can’t contribute more than your earned income for that year. (It’s complicated consult your tax advisor).
Tax Deductible-No (Contributions are with after tax dollars) and you must meet Age and earned income criteria.
Forced Withdrawals-None.
Early Withdrawal-Early withdrawals that are more than contributions or taken before seasoning of 5 years is subject to income taxes plus 10% penalty if it’s not qualified money. Distributions can begin after age 59 1/2.
Growth Period-Tax-free (No taxes on growth years).
Risk-Yes, subject to the underlying investment assets and the ups and downs of the stock market.
Distributions-Tax-free beginning at age 59 1/2.
Estate Taxes-None. Roth IRA balance can be passed on to heirs tax-free.
Infinite Roth IRA on Roids:
Contribution Limit Amount-No limits on contribution amounts (,000; 50,000, 100,000, etc.). Based on your health and size of your wallet.
Earned Income Limits-No limits. There’s no earned income qualification tests. You must be healthy.
Tax Deductible-No (Contributions are with after tax dollars). There are no age or earned income criteria.
Forced Withdrawals-None.
Early Withdrawal-None.
Growth Period-Tax-free growth is guaranteed.
Risk-None. Your principal is guaranteed.
Distributions-Tax-free from policy loans (tax-free retirement nest egg).
Estate Taxes-None. Death benefit can be passed on to heirs tax-free if planned.
It seems crystal clear, you don’t have to be hit in the face by a high flying baseball, Congress will neither allow the estate tax (death tax) to expire in 2010 nor return to its pre-2001 form of million exemption. There is no bad risk/reward for Congress, since the estate tax applies only to the top 2% and they can afford to lose those votes, to stay in business. The eventual estate tax reform will likely be more apparent, more progressive, more sharply defined, against the very largest estates. If you have a large IRA you need to plan ahead of the coming storm. Contact us. We have an IRA rescue plan to mitigate these unpleasant coming events, before it’s too late and the big door is closed forever.
Best IRA Rescue provides services on your IRA investments and traditional IRA and will help you reduce your inherited and beneficiary independent retirement account taxes in your estate assets. Roth on ROIDS is your advanced Roth IRA retirement planning strategy and one of the best IRA tax-savings strategies with benefits of a guaranteed death benefit, guaranteed principal, tax-free growth, and tax-free distributions from policy loans.
Contact us if you have any questions on your IRA retirement planning. Best IRA. Original article: Compare Traditional IRA, Roth IRA, Infinite Roth
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Pino Daniele in un pezzo datato 1998, frutto di una collabarazione con il chitarrista Al Di Meola.
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3 Quick & Easy Ways To Get More Traffic To Your Site From Youtube
Youtube is definitely a social networking website. It gets millions of visitors each month looking for videos on topics that interest them the most. But even though Youtube is a social website, that doesn’t mean you can market your business on Youtube successfully.
In fact, alot of online business owners are using Youtube to promote their business successfully and get tons of new visitors to their website – and you could be one of them. The trick to use a few little-known marketing techniques that have been proven time and time again to get traffic from Youtube, and I will share some of them in this article for you.
The fact is, it doesn’t matter if you’re a lawyer or doctor, or simply an online merchant selling sandals – you can still market your website via Youtube. Here are 3 ways to market your business whether it’s online or offline – via Youtube:
1) Submit your videos to Youtube
Sounds easy right? Duh. I wonder why so many business owners aren’t actually doing it. The fact is, by simply uploading your videos to Youtube you will get traffic from them. Many business owners are perplexed when it comes to social marketing, so they opt for the choice of not doing anything – which is a terrible mistake.
And if you have no idea of how to make a video for uploading to Youtube, then I have a special treat for you. There’s a great software on the internet that is free that you can use to create your Youtube videos. It’s called “Camstudio”, and it’s a great free tool for making 2-5 minute long videos in a snap.
When creating your video, you will want to write an interesting title for it. Write it for the user, not the search engines. You can’t trick the search engines, you can only trick yourself. The search engines will pick your video up after it’s popularity has grown and other people are linking to it voluntary. And if people are doing this, then that means your video is amazing – and this is what you are looking for.
In your video, you will want to show people how to do something, or you will want to share tips on a particular topic. There’s nothing wrong with sitting in front of a camera and speaking. It’s normal, and Youtube users have grown to accept it, and you should too. You will also want to include relevant keywords or “tags” so that users can find your videos also. Here’s another great way to market your business or website on Youtube:
2) Include your URL on all your videos
It’s one thing to upload videos to Youtube for fun, but it’s another thing to upload videos to Youtube for business purposes and not to leave your website information somewhere.
When marketing on Youtube, you will want to include your contact information on all of your videos. This is how you will get traffic to your website, aside from your website information showing in your profile.
Believe it or not, users will actually type your URL into their browser to learn more, and when they do so, you want to be there to sell them on your products and services.
Don’t ever leave this crucial piece of information out. Without it, you’re efforts are doomed from the start. Here’s the last way to get traffic to your website via Youtube.
3) Inspire viewers to subscribe to your Youtube channel
With this technique, you can get repeat traffic to your new and latest Youtube videos, which will in turn be repeat traffic to your website site. This technique is similar to inspire visitors to subscribe to your email newsletter so that you can follow-up on them with great tips and advice.
When users subscribe to your Youtube channel, they get updates whenever you create a new video. So with a large fan base, your Youtube videos will become immensely popular – due to the number of visitors that constantly viewing your videos. And when your videos become popular – their Youtube search engine rankings increase, and this means more traffic for you.
A great way to spire people to subscribe to your Youtube channel is to simply briefly mention it at the beginning and end of your video. If users find your information worthwhile, they will subscribe to you. Simple as that.
Take these 3 tips for getting more traffic to your website using Youtube and watch your traffic count skyrocket. These techniques work if you use them, so start using them right now.
Learn youtube traffic secrets you can use to earn money from Youtube simply and easily. To learn more, visit the following website for more details: http://www.instant-downloadz.com/viralyoutubetraffic.html
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Acid and Base Strength
Acid and Base Strength
While acids taste sour, give sharp stinging pain in a cut or wound, turn blue litmus paper red, make phenolphthalein colorless, react with metals to produce hydrogen gas, bases taste bitter, feel slippery, turn red litmus paper blue, make phenolphthalein pink, and react with carbonates or bicarbonates to produce carbon dioxide gas
Arrhenius Definition of acids and bases covers the dissociation of acids and bases in water to produce hydrogen ions (H+) and hydroxide ions (OH-) respectively. For example, HCl and NaOH dissociate in water to give H+ and OH- ions respectively. As the definition of acids and bases involving hydrogen and hydroxide ions, respectively is much too limiting, a broader definition was proposed by Bronsted and Lowry in 1923. The main effect of the definition is to increase the number of substances that act as bases.
The determination of a substance as a Bronsted-Lowery acid or base can only be done by observing the reaction. In the case of H2O, HOH, it is a base in the first case and an acid in the second case. To determine whether a substance is an acid or a base, one has to count the hydrogens on each substance before and after the reaction. If the number of hydrogens has decreased that substance is the acid (donates hydrogen ions). If the number of hydrogens has increased that substance is the base (accepts hydrogen ions). If the reaction is viewed in reverse a new acid and base can be identified. The substances on the right side of the equation are called conjugate acid and conjugate base compared to those on the left. Also the original acid turns in the conjugate base after the reaction is over.
At the simplest definition, an acid is any compound that yields hydrogen ions (H+) or hydronium ions (H3O+) when dissolved in water. Hydronium ions are really the combination of H+ ions and H2O molecules, i.e. H+ + H2O === H3O+. The hydrogen ion with no electrons bonds to water through what is called a coordinate covalent bond where the oxygen donates both electrons for the bond. The molecule is still short an electron so the positive charge is retained. The hydronium ion also has trigonal pyramid geometry. Even though in solution a “bare” hydrogen ion is surrounded by up to 20 water molecules and is the best representation, most of the time just a simple hydrogen ion is used to represent the acid. In the chime model, notice the close contact of the water molecules as they engage in hydrogen bonding. An acid ionizes or dissociates (breaks apart) in water to form an equilibrium mixture of its individual ions. This is how the hydrogen ions are formed.
A base is any compound that yields hydroxide ions (OH-) when dissolved in water. There are quite a few identifiable bases with hydroxide in the formula such as sodium hydroxide (NaOH) and magnesium hydroxide (Mg(OH)2). Ammonia, Ammonium Hydroxide, and Ammonium Ions are all similarly sounding words with related but different meanings. If we can smell ammonia whether from an aqueous solution or other source, it is in the form of this gas. If ammonia (which is a polar molecule) dissolves in water, it reacts with the water to form ammonium ions (NH4+) and hydroxide ions. Ammonium Hydroxide (NH4OH) is a convenient, but possibly non-existent molecule to help define the properties of a solution of ammonia gas dissolved in water. This molecule is used to call attention to the presence of the hydroxide ion and characterize ammonia as a base. Ammonium Ions (NH4+) have a +1 charge, contain 4 hydrogen atoms, and have a tetrahedral geometry as shown on the left.
Hydrolysis reactions are general reactions in which the water molecule takes part in the reaction as one of the reactants. This reaction is observed in many reactions both in inorganic and organic chemistry. The hydrolysis of salts is really the reverse of the neutralization reaction. Other bases do not have hydroxide ions in the formula, but readily react with water to produce hydroxide ions. These bases include sodium carbonate and phosphate. It is to be note that the hydrolysis equation is a double replacement reaction. The results of the hydrolysis reaction are the formation of a weak acid and a strongly ionized base. The strongly ionized base gives the overall property of basic. Most detergents have the property of being basic which contributes to the cleaning action.
All acids and bases do not ionize or dissociate to the same extent. This leads to the statement that acids and bases are not all of equal strength in producing H+ and OH- ions in solution. The terms “strong” and “weak” give an indication of the strength of an acid or base. The terms strong and weak describe the ability of acid and base solutions to conduct electricity. If the acid or base conducts electricity strongly, it is a strong acid or base. If the acid or base conducts electricity weakly, it is a weak acid or base.
We can test the conductivity of various solutions with a light bulb apparatus. If the light bulb circuit is completed by a solution containing a large number of ions, the light bulb will glow brightly indicating a strong ability to conduct electricity as shown for HCl. If the circuit is completed by a solution containing large numbers of molecules and either no ions or few ions, the solution does not conduct or conducts very weakly as happens with acetic acid. An acid or base which strongly conducts electricity contains a large number of ions and is called a strong acid or base. An acid or base which conducts electricity only weakly contains only a few ions and is called a weak acid or base.
The bond strengths of acids and bases are implied by the relative amounts of molecules and ions present in solution. Strong acids have mostly ions in solution, therefore the bonds holding H and A together must be weak. Strong acids easily break apart into ions. Weak acids exist mostly as molecules with only a few ions in solution, therefore the bonds holding the species together must be strong. Weak acids do not readily break apart as ions but remain bonded together as molecules. Acids or bases with strong bonds exist predominately as molecules in solutions and are called “weak” acids or bases. Acids or bases with weak bonds easily dissociate into ions and are called “strong” acids or bases. All characteristics of acids and bases are related to whether the forms that predominate are molecules and ions. We can consider examples of Hydrochloric and hydrofluoric acid as prototype representatives of strong and weak acids respectively
Hydrochloric acid is a strong acid. Strong acids are strong electrolytes, which, for most purposes, are assumed to ionize completely in water. In this case, HCl ionizes completely to hydrogen ions, H+ and chloride ions, Cl-. The reaction is better represented as hydrochloric acid donating an H+ to water, producing hydronium ion, H3O+, and chloride ion. The role of water in this reaction is not shown to simplify the presentation. We can think of H+ as a shorthand representation of H3O+.
Hydrofluoric acid is a weak acid. Weak acids are weak electrolytes, which only ionize to a limited extent in water. At equilibrium, a hydrofluoric acid solution contains mostly non-ionized acid molecules, HF, and a small amount of hydrogen ions H+, and the conjugate base ions F-. This reaction is better represented as hydrofluoric acid donating a proton to water, producing hydronium H3O+ and a fluoride ion. We should remember that weak acids only partially ionize in water. Again the role of water in this reaction is not shown to simplify the presentation. Here too we can think of H+ as a shorthand representation of H3O+.
Dr.Badruddin Khan teaches Chemistry in the University of Kashmir, Srinagar, India.
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Consigli Per Prepararsi Al Meglio Per L?estate
È ancora inverno eppure le fashion victim più accanite già stanno pensando a cosa indosseranno l’anno prossimo in spiaggia. Ormai anche ciò che indossiamo in spiaggia è importante tanto quello che indossiamo la sera per uscire.
O anche di più dato che ci lascia scoperta buona parte del corpo ed è quindi estremamente importante trovare un costume che non metta troppo in evidenza quei chiletti di troppo che ancora non siamo riuscite a smaltire dall’inverno. È proprio vero, per prepararsi adeguatamente alla spiaggia bisogna iniziare subito a pianificare con intelligenza, partendo dal underwear beachwear. Pianificare cosa? Come cosa? Ci sono moltissime cose che vanno fin da ora curate nei dettagli per poi non trovarsi a fare tutto all’ultimo momento e quindi con risultati non perfetti!
La prima cosa è il tipo di attività fisica da svolgere per cominciare subito a perdere i chili di troppo accumulati durante le feste. Lo sapete bene che se non agite subito poi si sedimenteranno, saranno sempre più difficili da eliminare e voi sempre più pigre per farlo.
Quindi su, chiedete consiglio ad amiche, colleghe, o alla rete, ma trovate una palestra o una piscina vicina a voi, così quando sarete stanche dopo il lavoro non dovrete fare troppa strada per andarci, con il risultato di non andarci affatto! Il massimo sarebbe se fosse sul tragitto da casa al lavoro, però in questo caso meglio fare uno spuntino leggero nel pomeriggio per non rischiare di svenire sotto gli attrezzi per un calo di zuccheri.
Se non lavorate, beh insomma che fate ancora in casa? Andate subito fuori a fare una corsa! Però lontano dalle strade principali piene di smog e di guidatori distratti, mi raccomando.
Dopodiché è importante informarsi su quali saranno le tendenze di moda quest’estate, non è affatto troppo presto, la maggior parte delle case di moda ha già iniziato a presentare le sue proposte. Se non avete il tempo o la voglia di fare un salto a saccheggiare l’edicola, tutti i giornali di moda hanno ormai il proprio sito, che potete consultare anche la sera da casa e non ditemi che non avete una connessione ADSL in casa perché di questi tempi non ci posso proprio credere.
Se volete battere tutte sul tempo, una possibilità è acquistare online i costumi da bagno bikini e accessori che avete scelto, spesso probabilmente con uno sconto rispetto all’acquisto nei negozi.
Questi ordini vi arriveranno direttamente a casa vostra, dato che fra il lavoro e la palestra non vi resteranno più molte energie per battere a tappeto ogni negozio della città. (Anche se in effetti l’energia per fare shopping a noi donne non manca mai).
Questo vi risparmierà anche l’umiliazione di far notare alla commessa che vi servirebbe una taglia un pochino più grande, dato che ancora non vi siete mutate in Kate Moss.
Un particolare fondamentale è ovviamente la scelta del luogo di vacanza e la compagnia con cui andarci, questo incide sia sulla scelta dell’abbigliamento, che sul budget. È davvero inutile spendere centinaia di euro abbigliamento sexy e alla moda se … no mi correggo, non è mai inutile. E anche se per ora siete single può sempre servire a conquistare qualcuno di speciale.
Dove andare è davvero un bel dilemma, c’è chi ama il mare, chi i posti esotici, chi le città d’arte, persino chi ama le lunghe passeggiate in montagna. Se fate una veloce ricerca online troverete offerte per viaggi in ogni posto del mondo, con ogni tipo di sistemazione possibile, per soddisfare tutte le vostre esigenze e ogni tipo di budget. Potete prenotare via internet a prezzi scontati rispetto che in agenzia di viaggi, inoltre decidendo per tempo non avrete il problema del tutto esaurito o di dovervi accontentare di ciò che è rimasto.
Inoltre per i maschietti innamorati, un costume da bagno elegante e fashion può essere un ottimo regalo fidanzata in previsione della festa di San Valentino.
A cura di Michele De Capitani
Trenet Srl – House web site
Webwriter of Prima Posizione Srl.
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Telugu Movie News, Telugu Cinema Reviews, Telugu Songs at Searchandhra.com
Telugu Cinema industry is the first largest in the world in terms of number of movies made in a year and second largest in terms of infrastructure. The state of Andhra Pradesh has the highest number of cinema halls in India.
The IMAX theater in Hyderabad has a few world records to its credit. The industry has earned several Guinness records, including nods for the most films directed by male and female directors, the most films produced by a person and for having the largest film studio in the world. In addition, actor Brahmanandam recently got a Guinness Record for acting in the highest number of films (750) in a single language, and was awarded the prestigious Padma Shree for his contribution to Telugu cinema.
The Telugu cinema industry is based in the state of Andhra Pradesh in India. The Telugu film industry produces the most significant films every year in India, with about 245 films produced in 2006. Popular movies tend to open during the three festive/holiday seasons of the region: Sankranthi, Ugadi, and Dussera. In 2004, total revenue for the Sankranthi season was around Rs. 1.5 billion (US million, as of July 17, 2007). There are number of TV channels (Teja TV etc.,) dedicated exclusively to feature programs related to Telugu movies.
Currently, about 150 Telugu films are released every year with approximately 3 productions every week. Just like any other cinema industry, the Telugu film industry produces all genres of cinema. In 2005, the annual turnover reached Rs.2,550 crores on ticket sales of 160 crores.Popular movies tend to open during the three festive/holiday seasons of the region: Sankranti, Summer, and Dusshera. In 2004, the industry made around Rs. 1.5 Billion (150 Crores) during the Sankranthi season greater than that of the Bollywood industry.There are at least three TV channels that are dedicated exclusively to feature programs related to Telugu movies.
Telugu Film Industry Information, Latest Telugu Cinema News and updates get at www.searchandhra.com
Searchandhra.com is a Telugu Cinema Entertainment Portal providing Telugu News, Telugu Cinema News, Telugu Movies, Telugu Cinema Reviews, Telugu Songs, Andhra Pradesh News, AP News, Telugu Portal, Tollywood, Telugu films, India News, Andhra Politics
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