http://www.your-roth-ira.com/roth-ira-blog.html The latest articles, news, and other information related to Roth IRAs and investing. en-us roth ira Thu, 09 Sep 2010 02:32:17 GMT Thu, 09 Sep 2010 02:32:17 GMT your-roth-ira.com http://www.your-roth-ira.com/2011-roth-ira-contribution-limits.html What are the 2011 Roth IRA contribution limits? When you make a contribution for the 2011 tax year, you need to know. Otherwise, you risk unexpected taxes, penalties, or both. Wed, 08 Sep 2010 02:21:30 GMT http://www.your-roth-ira.com/2010-roth-ira-contribution-limits.html What are the 2010 Roth IRA contribution limits? If you make a contribution for the 2010 tax year, you need to know this information. Otherwise, you risk unexpected taxes, penalties, or both. Fri, 27 Aug 2010 01:38:33 GMT http://www.your-roth-ira.com/cash-money-life.html Cash Money Life is one of the top financial blogs on the web, and we were fortunate enough to land an interview with its author Patrick. Tue, 16 Feb 2010 02:25:58 GMT http://www.your-roth-ira.com/zecco-roth-ira.html Considering a Zecco Roth IRA? Learn the pros and cons of hosting your retirement account with Zecco. Fri, 05 Feb 2010 02:21:59 GMT http://www.your-roth-ira.com/best-roth-ira-brokers.html Research the best Roth IRA brokers to find out which one is best for you. Wed, 03 Feb 2010 01:57:03 GMT http://www.your-roth-ira.com/template.html Roth IRA tips and solutions for individual investors. Fri, 22 Jan 2010 03:04:33 GMT http://www.your-roth-ira.com/index.html Roth IRA facts, tips, and solutions for individual investors. Fri, 22 Jan 2010 02:59:27 GMT http://www.your-roth-ira.com/site-build-it-success.html Are you interested in earning more money while doing something you love? Read our Site Build It success story to find out how we do exactly that, and how you can too. Fri, 15 Jan 2010 02:19:25 GMT http://www.your-roth-ira.com/bible-money-matters.html Bible Money Matters is one of the top financial blogs on the web, and we were fortunate enough to land an interview with its author Peter Anderson. Fri, 15 Jan 2010 02:09:09 GMT http://www.your-roth-ira.com/privacy-policy.html Read Your Roth IRA's privacy policy. Tue, 12 Jan 2010 03:26:58 GMT http://www.your-roth-ira.com/disclaimer-policy.html Read Your Roth IRA's disclaimer policy. Tue, 12 Jan 2010 03:26:31 GMT http://www.your-roth-ira.com/roth-ira-interviews.html Welcome to the Your Roth IRA Interviews section, where we feature interviews with experts in the world of finance. Sat, 09 Jan 2010 15:08:57 GMT http://www.your-roth-ira.com/good-financial-cents.html Good Financial Cents is one of the best financial blogs on the web, and we were lucky enough to land an interview with its author Jeff Rose. Thu, 07 Jan 2010 03:53:21 GMT http://www.your-roth-ira.com/roth-ira-conversions.html What do you need to know about Roth IRA conversions? Well, first and foremost, you need to know what one is. Basically, a Roth conversion is when you take one type of retirement savings plan and Tue, 29 Sep 2009 01:57:57 GMT http://www.your-roth-ira.com/roth-ira-conversion-rules.html What are the Roth IRA conversion rules? That's a great question. Because under the old rules for Roth IRA conversions, you could only convert a Traditional IRA, a SEP IRA, or a SIMPLE IRA to a Roth IRA. But a few years ago, all that changed. So it's a good idea to review the rules if you haven't looked at them lately. Tue, 29 Sep 2009 01:47:36 GMT http://www.your-roth-ira.com/converting-to-a-roth-ira.html Are you considering converting to a Roth IRA? And if you are, is it a good idea? That's a great question. When the 2010 Roth IRA conversion rules eliminate the $100,000 income limit on Roth conversions, legions of financial advisors will pressure their clients to convert their old 401k's, Traditional IRA's, and other retirement savings accounts into Roth IRA's. And if you're one of those clients, you need to know if it's a good idea for you. Tue, 29 Sep 2009 01:39:26 GMT http://www.your-roth-ira.com/convert-a-traditional-ira-to-a-roth-ira.html Can you convert a Traditional IRA to a Roth IRA? Yes. In fact, for years, you could only convert a Traditional IRA, a SIMPLE IRA, or a SEP IRA to a Roth IRA. But in 2008, the rules changed to include numerous other traditional retirement savings plans such as your 401k, 403b, etc. So you now have a wide array of choices when it comes to a Roth IRA conversion. Tue, 29 Sep 2009 01:38:36 GMT http://www.your-roth-ira.com/convert-a-401k-to-a-roth-ira.html Should you convert a 401k to a Roth IRA? And if so, how do you go about the conversion process? These are both great questions. In order to answer them, you need to ask yourself several additional questions. Tue, 29 Sep 2009 01:30:50 GMT http://www.your-roth-ira.com/2010-roth-ira-conversion-rules.html What are the 2010 Roth IRA conversion rules? You've probably heard a lot about the changes set to take effect in the near future. But how do they impact you? In 2010, the biggest change comes from the expiration of the $100,000 adjustable gross income (AGI) limit on Roth IRA conversions. In effect, this change enables anyone (regardless of income) to convert to a Roth IRA and contribute to a Roth IRA. Tue, 29 Sep 2009 01:30:08 GMT http://www.your-roth-ira.com/traditional-ira-rollover-to-a-roth-ira.html What are the benefits of a Traditional IRA rollover to a Roth IRA? Is it a good idea to convert? And if so, how do you do it? What are the rules? All of the above are excellent questions, and if you're thinking along these lines, then you're already a step ahead of the game. Thu, 17 Sep 2009 01:59:21 GMT http://www.your-roth-ira.com/roth-ira-rollover.html What's a Roth IRA rollover? And what are the rules in regard to rollovers? These are both excellent questions, and if you have a Traditional IRA, a 401k, a 403b, or any number of other retirement plans, you need to know. Why? Because you might decide the benefits of a Roth IRA far outweigh the likely taxes and/or penalties incurred by a Roth IRA conversion. Thu, 17 Sep 2009 01:54:29 GMT http://www.your-roth-ira.com/2010-roth-ira-rollover.html What are the 2010 Roth IRA rollover rules? If you're considering a Roth IRA rollover in 2010 or in the years thereafter, you need to know. Why? Because as of 2010, the rules dramatically change for Roth IRA conversions. Thu, 17 Sep 2009 01:49:08 GMT http://www.your-roth-ira.com/403b-rollover-to-a-roth-ira.html Should you perform a 403b rollover to a Roth IRA? This is a question you should ask yourself when you leave your current employer. Why? Because, when you leave employment, most 403b plans provide you with the option of rolling over (moving) your current 403b plan to another retirement savings plan, such as a Traditional IRA or a Roth IRA. Of course, if you're taking a job with another educational organization or non-profit offering a 403b plan of their own, you always reserve the right to roll over your old 403b plan into your new 403b plan. Thu, 17 Sep 2009 01:42:24 GMT http://www.your-roth-ira.com/401k-rollover-to-a-roth-ira.html Should you perform a 401k rollover to a Roth IRA? This is a common question many people face when leaving a current employer. Why? Because most 401k plans provide you with the option of rolling over (moving) your current 401k plan to your new 401k plan or another retirement savings plan, such as a Traditional IRA or a Roth IRA, whenever you leave a job. Thu, 17 Sep 2009 01:41:45 GMT http://www.your-roth-ira.com/roth-ira-distribution.html What are the Roth IRA distribution rules? It's important to know, because improper distributions from a Roth IRA can trigger income taxes as well as a 10 early withdrawal penalty. So take the time to learn the difference between a qualified distribution and a non-qualified distribution. It just might save you a few dollars and a lot of headaches. Fri, 04 Sep 2009 01:46:19 GMT http://www.your-roth-ira.com/roth-ira-ordering-rules.html What are the Roth IRA ordering rules for withdrawals? You need to know, because when it comes time to take a distribution from your Roth IRA, you can NOT treat all of the funds in your account equally. Why? Because the IRS has established a set order in which the funds in your Roth IRA must be withdrawn. Fri, 04 Sep 2009 01:44:30 GMT http://www.your-roth-ira.com/roth-ira-minimum-distribution.html Is there a Roth IRA minimum distribution requirement? No. Unlike a Traditional IRA, which requires you to begin taking annual minimum distributions at age 70 , you aren't required to withdraw a dime from your Roth IRA just because you've reached an arbitrary age limit. Fri, 04 Sep 2009 01:43:45 GMT http://www.your-roth-ira.com/roth-ira-for-college-savings.html Can you use your Roth IRA for college savings? Absolutely. While its primary purpose is saving for retirement, you can withdraw your original principal contributions tax-free and penalty-free at any time as well as avoid the 10 early withdrawal penalty by taking an early distribution to pay for qualified higher education expenses such as tuition, books, and fees. Fri, 04 Sep 2009 01:43:00 GMT http://www.your-roth-ira.com/roth-ira-first-home-purchase.html What are the Roth IRA first home purchase withdrawal rules? That's a great question. If you're in the market to buy, build, or rebuild a home, the IRS allows you to withdraw up to $10,000 (a lifetime limit) from your Roth IRA as a qualified distribution. That means you won't owe any taxes or penalties on the funds withdrawn. Fri, 04 Sep 2009 01:38:40 GMT http://www.your-roth-ira.com/roth-ira-education.html What's a Roth IRA education distribution? Did you know you can take a penalty-free early withdrawal if you use it to pay for higher education expenses? That's right. It's one of the many benefits of a Roth IRA. Even if you're under age 59 , you can take an early Roth distribution and avoid part, if not all of, the 10 early withdrawal penalty usually triggered by those in your age group. Fri, 04 Sep 2009 01:37:52 GMT http://www.your-roth-ira.com/qualified-roth-ira-distributions.html What are qualified Roth IRA distributions? If you intend to withdraw investment gains from your Roth IRA anytime in the near future, you need to know the answer. Why? Because qualified distributions are both tax-free and penalty-free. Fri, 04 Sep 2009 01:37:02 GMT http://www.your-roth-ira.com/roth-ira-income.html What are the Roth IRA income rules and restrictions? That?s a great question. After all, the IRS doesn?t allow just anyone to open and fund a Roth IRA. You need to have the right type of income as well as the right amount of income. Fri, 28 Aug 2009 02:08:09 GMT http://www.your-roth-ira.com/modified-adjusted-gross-income.html What is Modified Adjusted Gross Income (MAGI)? How do you calculate it? And why is it important to know if you have a Roth IRA? Wed, 26 Aug 2009 01:54:57 GMT http://www.your-roth-ira.com/open-a-roth-ira.html Questions on how to open a Roth IRA? These easy to use, step-by-step instructions guide you through the process. Thu, 06 Aug 2009 01:52:41 GMT http://www.your-roth-ira.com/stocks-in-a-roth-ira.html Successfully trading individual stocks in a Roth IRA is not difficult. However, as is the case with most things in life, people tend to overcomplicate matters. Sat, 01 Aug 2009 12:37:48 GMT http://www.your-roth-ira.com/roth-ira-mutual-funds.html What are the best Roth IRA mutual funds? That's a great question, because mutual funds are a popular investment vehicle for your Roth IRA. But before you dive into the world of managed funds, you need to know exactly what you're getting into. Sat, 01 Aug 2009 12:34:38 GMT http://www.your-roth-ira.com/roth-ira-index-funds.html What are the best Roth IRA index funds and ETFs? If you don't want to research and buy individual stocks, it's to your benefit to know which exchange traded funds are best. Sat, 01 Aug 2009 12:33:24 GMT http://www.your-roth-ira.com/roth-ira-fees.html Low Roth IRA fees are the key to success when planning your retirement savings plan. Sat, 01 Aug 2009 12:31:40 GMT http://www.your-roth-ira.com/roth-ira-age-limit.html What is the Roth IRA age limit? Does the IRS impose mandatory distributions at a certain age? And what?s the minimum age for withdrawals? These are all legitimate questions, and you need to know the answers. Wed, 22 Jul 2009 01:28:34 GMT http://www.your-roth-ira.com/roth-ira-limits.html What are the Roth IRA limits imposed by the IRS? Do you have to meet an age requirement before contributing? And what about income or contribution limits? Before you make a Roth IRA contribution, you need to know the restrictions for the current tax year. Sun, 12 Jul 2009 01:59:46 GMT http://www.your-roth-ira.com/roth-ira-deadline.html What is the Roth IRA deadline? If you still haven't made your maximum contribution for the year, you need to know the deadline for making a Roth IRA contribution. Sat, 11 Jul 2009 17:15:18 GMT http://www.your-roth-ira.com/roth-ira-accounts.html What are Roth IRA accounts? How many can you have? And who can have them? Knowing the answers to these questions and others can significantly increase your family's financial health. Sat, 11 Jul 2009 17:08:55 GMT http://www.your-roth-ira.com/roth-ira-phase-out.html Do contribution limits on your Roth IRA phase out as your income rises? If you plan to make a Roth IRA contribution this year, you need to know. Otherwise, you might inadvertently contribute more than the allowable limit. Fri, 03 Jul 2009 16:46:02 GMT http://www.your-roth-ira.com/roth-ira-maximum-contribution.html What is the Roth IRA maximum contribution? That's a great question, and you need to know the answer if you intend to make a contribution to your Roth IRA this year. Fri, 03 Jul 2009 16:45:32 GMT http://www.your-roth-ira.com/roth-ira-contributions.html What are the IRS rules regarding Roth IRA contributions? If you plan on contributing to your Roth IRA this year, you need to know those rules or else you risk making an excess or illegal contribution. Fri, 03 Jul 2009 16:45:04 GMT http://www.your-roth-ira.com/roth-ira-catch-up-contributions.html Can you make Roth IRA catch up contributions? If you're approaching retirement anytime soon, this is a very important question. After all, every extra dollar you set aside in your Roth IRA today grows tax-free year after year, and in some cases, well into your retirement years. So the benefit of making catch up contributions can not be overstated. Fri, 03 Jul 2009 16:43:44 GMT http://www.your-roth-ira.com/2009-roth-ira-contribution-limits.html What are the 2009 Roth IRA contribution limits? If you make a contribution for the 2009 tax year, you need to know this information. Otherwise, you risk unexpected taxes, penalties, or both. Fri, 03 Jul 2009 16:42:43 GMT http://www.your-roth-ira.com/roth-ira-taxes.html What do you need to know about Roth IRA taxes? Is a Roth IRA tax-deferred? Can you claim tax losses for your Roth? These are all legitimate questions you definitely need to know the answers to. Sat, 27 Jun 2009 12:59:33 GMT http://www.your-roth-ira.com/roth-ira-tax-deferred.html Is a Roth IRA tax deferred? That's a great question, and one you need to know the answer to in order to choose the right retirement savings vehicle. Sat, 27 Jun 2009 12:59:07 GMT http://www.your-roth-ira.com/roth-ira-tax-credit.html Is there a Roth IRA tax credit? Yes. Even though Roth IRA contributions non-deductible, you can take advantage of a tax credit for as much as 50 of the first $2,000 of your annual Roth IRA contributions. Sat, 27 Jun 2009 12:58:40 GMT