This may sound a little strange, but there are actually ways that you can convert your taxable income into non-taxable income. You can also do this without worrying about getting audited by the IRS.
This is one of my favorite ways of dong this: Although this has been a part of our federal income tax code for over 30 years, many people still don’t take advantage of it. So what is it that I am referring to?
The IRA — Individual Retirement Account.
I can hear many of you say right now, “Oh, I know all about that one; what’s so great about an IRA?”? Just give me a little time, and I’ll explain three new benefits that the IRA rules have that you may not know about:
BENEFIT #1: How To Avoid Tax Rather Than Postpone Tax
First. There are actually now two kinds of IRA’s available.
The so-called Traditional IRA is the one that first came out way back in the 1970’s.
But there’s a newer version of the IRA that’s only a few years old. This one is called the Roth IRA. And the difference between these two IRA’s is very significant.
Your traditional IRA contributions are tax-deductible, which result in immediate tax savings. The growth of those contributions is also tax-sheltered while the funds remain in the account, but after some time all tax-deductible Traditional IRA contributions, as well as the growth of those contributions, will be subject to income tax when the money is withdrawn from the account.
In other words, Traditional IRA’s offer the opportunity to temporarily postpone taxes.
On the other hand, the Roth IRA offers the opportunity to permanently avoid taxes. With a Roth IRA, you don’t take a deduction for your contributions; instead, you make a contribution with “after-tax” dollars.
Whatever you put in not only grows tax-free, but can also be withdrawn tax-free.
Let me show you an example to demonstrate what I am saying:
Let’s say that you invest $2,000 per year for 20 years into a Roth IRA. At the end of twety years, you will have invested a total of $40,000. Now if that Roth IRA earns an average of 10% per year, that $40,000 will grow into $126,005.
Here is the interesting part: If we assume that the IRA has existed for at least five years, and you are at least 59 ½ years old, you can withdraw the entire $126,005 without paying tax.
On the other hand, if this money had been invested in a Traditional IRA, the entire $126,005 would be subject to income tax when it is taken out.
The $86,005 of growth is magically converted from taxable income status to non-taxable income status. Let’s assume that you are in the 15% federal tax bracket. You could possibly be saving $12,901. If you add whatever state income tax you might have, you could save over $15,000 in taxes.
BENEFIT #2: You can also take An Extra 3 ½ Months To put money into Your IRA.
The deadline for contributing to your IRA is April 15 of the year AFTER the year for which the contribution made.
So for Year 2015, you have until April 18, 2016 to fund your IRA.
If you’ve already invested the maximum (more about that in a moment) by December 31, 2015, then there is no more to do. You can’t put in any more money into the IRA for 2015, but if you haven’t maxed out your IRA, you have until April 18 to do that.
This brings me to:
BENEFIT #3: The Maximum Contribution Amounts have been increasing f
or many years. The most you could put into an IRA was $2,000. Now, the maximum is $5,500. (This assumes that you have at least that much earned income from wages or self-employment income).
And if you are over 50, you can put in another $1,000, bringing the total maximum to $6,500.
A married couple, both age 50 or older, can put a whopping $13,000 per year into a IRA. Not too bad if I say so myself.
Here is a final point about the Roth IRA rules: For a married couple, you can only contribute the maximum of $5,500 or $6,500 if your combined income is less than $183,000.
If you are single or head of household, you can contribute the maximum if your income is less than $116,000.
For most of us who are considered to be in the middle-class who are looking for a perfectly legal way to permanently avoid tax (rather then merely temporarily postpone tax), the Roth IRA is exactly what we need.
How do you get started on this? Well this is the hard part. Let’s examin how to actually implement this tax avoidance strategy.
“We’d like to save as much as we can for our golden years. But $11,000 a year? It’s hard to put aside that kind of money. We need every dollar we make just to pay the bills.” This could be your situtation, but a tax advisor or fund manager might find it easy to lecture you on why you should do it anyway. Realistically though; You’ve got to begin at some point, and you’ve got to start saving something, don’t you?
If you’d like to save for retirement, but think you can’t, it may be because you need to learn how to budget your money correctly. Also learn about other ways to boost your retirement income, check out this website:
Learn from this resource or other sources and go for it!
The picture was of Lily May’s brother, but the identity disc
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Kate Mulvey (pictured) argues infidelity DNA kits are no different
to an old-fashioned private detective
YES
by Kate Mulvey
Several years ago, I started to suspect my then-fiance was cheating on me.
The sudden nights away on business, the constantly guarded phone, the shifty
looks he gave me after a night out with ‘friends’. It was a gut feeling, but I didn’t have
any proof.
There is simply nothing worse than the feeling you are being lied to
by someone you love.
So, yes, I would use one of the newly available infidelity DNA testing kits in a heartbeat if I ever found myself in that
agonising position again.
For £90, anyone who suspects their partner of having an affair
can now send off a sample, such as underwear or bedsheets, to be
tested for rogue DNA, thus determining if cheating has taken place.
While I admit snooping on your partner isn’t generally a good idea because it can cause mistrust
— and collecting the ‘evidence’ is, quite frankly, a bit weird, not to mention illegal in the UK without the person’s consent (the tests are done in a laboratory in the U.S.
where it is legal) — I think the pain that infidelity causes completely validates
it.
No one is going to go to such drastic lengths unless they have very good reason.
In today’s digital age, social media and dating apps have
made it much easier to fool around with someone who isn’t
your partner. I would argue that we need a more effective way to confront modern infidelity, and anything that can bring closure on a cheating partner is worth it.
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Share this article
Share Because, let’s face it, calling out a cheat isn’t easy.
When I asked my fiance if he was seeing someone else, he flatly denied
it, and then had the gall to tell me not to
be so insecure and jealous.
I was desperate and confused. It got to the point where he only had to glance at a woman in the supermarket to trigger my
anguish.
He denied an affair. I wish I’d done this test When, after months of crippling doubt, I eventually found out he had
been seeing a woman from his office (a mutual friend told me),
it blew my world — and my trust — to smithereens.
I know from experience just how important it can be to
get physical proof your partner has been lying to you.
As far as I am concerned, DNA cheat kits are simply a technological
version of the old-fashioned private detective; a quicker
and less expensive way to put an end to months, or years, of lying.
And if your partner isn’t cheating, no one need ever
know you had the test done.
Suspecting a partner of being unfaithful is emotional torture.
Confirmation gives you back the control and power that has been taken away
from you. That’s got to be a good thing.
Olivia Fane (pictured) argues it’s better to talk to your partner if you
suspect that they’re keeping a secret
NO
by Olivia Fane
I understand that people are driven mad by the suspicion that their partner might
be cheating — and just how tempting it is
to want to find out for certain.
Still — and I can’t believe I’m really having to say this — sending off their smalls for DNA testing is not the answer.
Quite apart from the fact these tests fall
into a legal grey area (in the UK, the companies act as
brokers, sending samples abroad for testing to get around the
rules), snooping of any sort only ends in tears.
You might think your partner is deceiving you, but using a DNA test without their
knowledge is no different. You’re deceiving him, too.
And when you get the results back, how are you going to feel?
‘I’ve caught you, and you’re out of here!’ — a sort of victory?
But it’s not a victory. Your marriage is dead.
What are you going to feel about yourself if the test proves that your partner is innocent?
If that is the case, you’re as jealous and possessive as the
worst of wives. And now it’s you with the secret, and the secret goes: ‘I
don’t trust you, I follow you around with my DNA kit — that’s the
kind of person I am.’
Trust lies at the very core of a marriage, and without it you
may as well go your separate ways. Will you confess what you did?
Will you thrust your arms around him and say: ‘I just needed to make sure,
darling, and now I’m so happy!’
Steal his DNA and you are deceiving him, too I wouldn’t if I were you.
Because if I found out my husband had done that to me I’d walk out on him and not look
back.
A marriage should be a safe place where you feel you
can tell your partner everything. Almost the worst aspect of infidelity is that
the openness you had with each other, that real intimacy which involves knowing every tiny detail about your partner’s life, has been smashed, just
like that. Even if you’re never found out, the guilt you have about keeping a secret eats away at you and can stop
you feeling close.
If you are worried he’s keeping a secret — of any sort — talking is
always better. Don’t directly accuse him:
any bloke is just going to say no, and then you’re no further on. But talk about your marriage
in general, kindly, on the sofa.
Ask him about any problems at work, anything that’s bothering him that
he would like to get off his chest. Even tell him you love him, but you’ve noticed
he seems distracted and you want to know if there’s something bothering him.
The truth will come out, and if it’s perfectly innocent, you can both get on with your marriage.
Why Sex Doesn’t Matter by Olivia Fane (£16.99,
Mensch).
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