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https://preservewm.com
We've been keeping up with the latest headlines...
here are two of our favorites worth sharing.
** Your Money
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You fund a Roth IRA (or Roth 401K) with after-tax money. It grows tax-free, and unlike a traditional IRA, money comes out of Roth accounts tax-free. When making a Roth contribution, you're figuring your tax bracket is lower now than when you'll need the money. You can also "convert" a traditional IRA to a Roth IRA by making a one-time taxable transfer from one account to the other. This is often done during a layoff year when income is temporarily suppressed or in preparation for the sunset return of the higher 2017 brackets in 2026.
In retirement, RMD creep can also bump taxpayers into higher tax brackets. It's prudent to review how close your income is to the next level and consider taking more income now to prevent higher taxes later. Survivors are often shocked at how much more they must pay in taxes when their filing status changes to single. In many cases, the same income level is taxed at a 10% higher level.
A consistent and methodical conversion plan today can lead to lower lifetime taxes tomorrow.
Don't Overlook Post-Retirement Roth Conversion Benefits (https://www.thinkadvisor.com/2023/11/27/dont-overlook-post-retirement-roth-conversion-benefits/)
by William Byrnes and Robert Bloink
** Your Life
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By now, most people have returned to work from their holiday travels. For those who have traveled far and are still experiencing jetlag, this posting is for you. Jet lag disrupts your circadian rhythms, which signals your body when to wake and sleep. Jetlag can include one or several symptoms and is more difficult the farther you travel. Tips for limiting its effects include arriving early, having plenty of rest pre-trip, adjusting your schedule before your trip, correctly timing bright light exposure, staying on the new schedule, staying hydrated, and trying to sleep on the plane if it’s nighttime at your destination.
Jet lag disorder (https://www.mayoclinic.org/diseases-conditions/jet-lag/symptoms-causes/syc-20374027)
source: Mayo Clinic
https://www.linkedin.com/in/danheth/
https://www.linkedin.com/in/rosalynn-harvey-heth-mpa-ceps-3a3aa3191/
** Complexity Simplified
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Stretching can be quick and easy but is such a forgotten activity. However, regular stretching has power benefits in building flexibility and preventing injury and pain. Here are 5 benefits to stretching, including the best way to do it correctly.
5 Benefits of Stretching (Plus, the Do's & Don'ts of Stretching Correctly) (https://www.houstonmethodist.org/blog/articles/2022/jul/5-benefits-of-stretching-plus-the-dos-donts-of-stretching-correctly/)
by Katie McCallum
** Trivia
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A: Jenny
Q: In what country did carving jack o’ lanterns originate?
https://youtu.be/FV6olDJQRjs?si=NqS25XNX-kmvocKq
** Back in 1968, this song reached #1
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