pro game treff » Roth IRA rules and how to maxim

My son Cheap Al Horford Jersey , Dakota is now 7 yrs old. He is so smart for his age. I recently had a conference with his 1st grade teacher and was surprised to find out that he was having a hard time in school. I guess I was surprised because at home he was perfectly fine. She seems to believe that his problem lies with his inability to pay attention in school. She says it isn't that he is disruptive but that he can't seem to keep his attention on one thing for long at a time.


She also warned me that at some point in time someone may suggest he has ADD, and of course with that diagnosis comes medication. I am absolutely against the medicating of kids. I think it is a moral issue as well as a health risk. Kids need to be kids and when teachers can't deal with them as kids they become easier to be dealt with when medicated. I have seem kids on this medication and they are like zombies, they also lose weight, sleep all the time, have fits of rage, and are likely to have health risks because of this.


My child will not be put on medication for being a kid and that is my final thought on that. Do you know that children have died from heart problems as a result of taking meds. for ADD? It is a fact. I think the school systems need to find another way in dealing with children who do not have an attention span of some others. Do you think TV may have something to do with this? Just a thought. I know kids who sit in front of the TV all the time Cheap Gordon Hayward Jersey , never go outside, never work for anything, and they seem to be the most interested in the teacher.


My son never watches TV other than at bedtime or if it's raining or snowing. He is always outside, I cant keep him in, and that is how it should be. They need to be entertained and encouraged to be active not slugs. I know a lot of parents are pushed into feeling medication is the best solution, but I disagree strongly and feel there has to be better solutions out there. This teacher was not saying he should be medicated Cheap Paul Pierce Jersey , simply suggesting that when and if some one says he has this condition to be prepared. Could it not be that he is a healthy 7 yr old child that gets bored with repetitive work??


Seems logical to me guess we will see where this goes but I am concerned for the youth of today, I'll leave my doubts and concerns in God's hands and hope for the best. God bless you and your families.


Vaughn Pascal


To Bub: Grateful that you are a healthy and happy kid, continue being so, I love you Thank You God and Jesus for blessing me with such a smart and healthy, happy child


Ways that Learning the Rules should Help in Increasing Your Roth IRA Potential Finance Articles | September 10, 2008

Retirement savings are a fantastic tax shelter Cheap Larry Bird Jersey , but to maximize those tax savings you have to understand the Roth IRA rules and requirements.



Retirement plans are excellent tax shelters, but you need to understand Roth IRA rules and other contribution requirements to maximize those tax savings. Essentially, contributions to a retirement savings plan are made on a pretax basis - employers match employee contributions to a plan, but that "income" isn't taxable until it's received, once the employee has retired.??


With a Roth IRA, the contributions aren't deductible Cheap Bill Russell Jersey , but income earned and future withdrawals are tax free.


To learn more about traditional and Roth IRA rules and how to maximize your contributions and savings, keep reading.


The Roth IRA


Roth IRA contributions are limited at $5000 per tax year. However, if you're 51 or over, you can contribute up to $6000 to a Roth IRA. In 2009, those contribution limitations are expected to increase based on current inflation rates. They will go up in $500 increments.


Unfortunately, there are income eligibility requirements for a Roth IRA. Essentially Cheap Kyrie Irving Jersey , you can only make the maximum contribution if your Modified Adjusted Gross Income (MAGI) falls below a certain level. For example, a married couple may earn between $150,000 and $160,000 or lower and a single person can earn between $95,000 and $110,000 or lower. Otherwise Cheap Boston Celtics Hats , they must opt for a 401(k).


401 (k) Roth


Employees can now opt to make some of their elective retirement contributions Roth contributions. Historically, any deferred salary or 401(k) contributions were deducted from your taxable wages. However, any contributions considered Roth contributions to a 401(k) Roth are now included in a person's taxable wages, though they may be free from federal income taxation.


The beauty of a Roth 401(k) is that there are no income restrictions on it. That means that no matter what your Modified AGI is, you can make contributions to a Roth 401(k). Also, the contribution limit is much higher. For those 50 and under Cheap Boston Celtics Hoodies , it's $15,000 and $20,000 for those over 50. There's also potential of a greater return on investment (ROI) thanks to the higher contribution limits.