Monday, December 26, 2011

Getting The Most From Your IRA

!±8± Getting The Most From Your IRA

If you have a traditional IRA that's large enough for you to plan on passing it on to a beneficiary, you're likely interested in finding out how to make the IRA last as long as possible. As you probably know, the IRS requires owners of traditional IRA's to take a required minimum distribution (RMD) from the account each year, beginning on April 1 of the year after you reach age 70 ½. The amount of your RMD will vary each year, because it's determined by taking the balance of the account on December 31st of the previous year, and dividing that number by the number of years left in your life expectancy, as determined by the IRS.

Roth IRA's differ from traditional IRA's in a number of respects, with one of these differences being that the Roth IRA does not have an RMD. So, it may make sense for you to convert your traditional IRA to a Roth if you are trying to avoid the RMD, along with other considerations. When you do this, keep in mind that you'll have to pay income tax on the amount you convert, but you won't be required to touch the money in the account.

The rules are different for beneficiaries, though. Whereas you, as the owner of the account, have no RMD associated with your Roth account, your beneficiary will have to take a required minimum distribution each year. Just like for a traditional IRA, the beneficiary's RMD will be calculated based on his or her life expectancy, so it makes sense to choose a young beneficiary if you want him or her to get the maximum benefit from the account. You'll also want to choose a contingent, or alternate, beneficiary. This way, if your primary beneficiary passes away before you do, your IRA passes to another person and not to your estate. You don't want your IRA to pass to your estate because, worst-case scenario, this could result in a requirement that the account be cashed out completely within five years.

If you're worried that your chosen beneficiary will cash out your IRA instead of maximizing its value by taking only the required minimum distributions, there are some estate planning strategies you can use. Talk to your estate planning attorney to find out how to make sure your IRA - and your beneficiary - are protected.


Getting The Most From Your IRA

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Wednesday, December 21, 2011

Handmade European Gliga Violins - String Instruments in Los Angeles

www.violinslover.com When they pick up an instrument, experienced musicians intuitively know how to find that sweet spot that will make a violin sing. But a good violin that has benefited from the perfect combination of high-quality wood and its violin-makers careful and precise workmanship can sound absolutely spectacular. Professional players such as Yehudi Menuhin, who are blessed enough to be able to play original Cremonese masterpieces, have acknowledged and praised the fine craftsmanship of Gliga violins. Despite all the evidence to the contrary though, some musicians continue to insist that only antique violins can achieve that magical sound which results from an instrument surviving the test of time. In reality, often what these musicians truly value is aesthetic beauty and the connection one feels to the masters of the past when playing an instrument marked by a long history.

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Monday, December 5, 2011

Bestselling Palatino Allegro Viola Outfit 13in

Click here for more details: www.amazon.com The Allegro viola is fitted with a grade-A ebony fingerboard, ebony pegs and an anodized aluminum alloy fine tuner tailpiece. These features make the viola a great student value.

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Friday, December 2, 2011

Scherl and Roth R102 Series 4/4 Size Violin Outfit 4/4 Size

!±8± Scherl and Roth R102 Series 4/4 Size Violin Outfit 4/4 Size

Brand : Scherl and Roth | Rate : | Price :
Post Date : Dec 02, 2011 21:32:56 | Usually ships in 1-2 business days


The Scherl & Roth R102 violin is hand-crafted with a solid spruce top, and maple back and sides. It is fitted with and ebony fingerboard and pegs, a French Aubert bridge, and a genuine Wittner tailpiece. It is adorned with hand inlaid purfling and has a traditional lacquer varnish finish. The R102 violin possesses a forgiving nature and a ready response that encourages student progress. Comes strung with Prelude strings and includes a molded case, bow and rosin.

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