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With new technology becoming available to consumers every day, like 3-D high-definition televisions, it certainly feels like I’m living in the future. How did we all survive without such marvels as wireless internet, video games that react to movement, GPS, text messaging, and video on demand? In ten years, we could as easily be wondering ... Continue reading this article…
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Other than the removal of the income limitation for Roth IRA conversions this year, 2010 is not much different than 2009 in terms of IRA maximums. Like 2009, the maximum you may contribute to your Traditional and Roth IRAs combined is $5,000. If you reach age 50 this year, you may contribute an extra $1,000 ... Continue reading this article…
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Yesterday, I signed up for my second photography class, meeting every Saturday afternoon for eight weeks starting in January. I learned much from the first class I took last summer, and I have been looking for a more advanced class. My photography skills have a long way to go, and with what I consider two ... Continue reading this article…
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Over the next couple of weeks, six finalists will be auditioning for the opening of “staff writer” at Consumerism Commentary. Each will be providing two guest articles to share with readers. After the six writers have shared their guest articles, readers will have an opportunity to provide feedback before we select the staff writer. This article ... Continue reading this article…
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The option to convert a Traditional IRA to a Roth IRA has been around for a while. Here are the differences between a Traditional IRA and a Roth IRA for those new to these retirement accounts. As long as your modified adjusted gross income (MAGI) is under $100,000 you have qualified for this conversion. Contributions ... Continue reading this article…
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The summer following graduation is an interesting time for recently-former students. The newly-commenced young men and women, those not opting to pursue an additional number of years in an institution of higher learning, spend their time amongst activities such as attending backyard barbecues in celebration of their achievements, traveling to distant lands with newfound free ... Continue reading this article…
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The Individual Retirement Account (IRA) allows anyone who earns income the opportunity to save for retirement, regardless of the plans offered by his or her employer. An IRA is not an investment in itself, it’s an account type. Within the IRA, you can keep your money for the future in money market funds, CDs, ... Continue reading this article…
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Are you looking for Traditional and Roth IRA contribution limits for 2010? Click here for the current information. Otherwise, read below for Traditional and Roth IRA contribution limits for 2009. Related: Roth IRA Conversion and Traditional vs. Roth IRA: An Introduction and Comparison The total contribution limit for IRAs is not changing in 2009. Just like 2008, ... Continue reading this article…
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In an world of overly simplified platitudes and one-size-fits-all “advice,” there is little repeated more in personal finance than the importance of the emergency fund. Typical popular financial advice prescribes a high-yield savings account in which one can store three to six months’ worth of expenses. Suze Orman suggests aiming for eight months’ ... Continue reading this article…
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Recently, I asked whether I should fund my Roth IRA in one lump sum or dollar cost average throughout the year. It’s unlikely that I’ll qualify to fund a Roth IRA this year, so now this question is moot. Regardless, Money Magazine’s “The Mole,” an anonymous financial adviser insider, tackled this question (though ... Continue reading this article…
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The last contribution to my 2007 Roth IRA was invested last Monday. Ever since my first Roth IRA several years ago, I’ve been maximizing the contribution each year by automatically investing equal amounts twice each month. One reason for using that technique, usually known as “dollar cost averaging” was to reduce risk. ... Continue reading this article…
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