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Ava Flores
• Monday, 18 January, 2021
• 6 min read

In fact, in 2019, almost half of households headed by someone 55 or older had no retirement savings at all, according to the U.S. Government Accountability Office. Even if you do have a retirement plan through work, like a 401(k), you may want to save additional money beyond the annual 401(k) contribution limits.

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Contents

If you don’t have a retirement plan through work, the contributions you make to a traditional IRA are usually tax-deductible. Once you start making withdrawals after age 59 ½, your IRA distributions are taxed as ordinary income.

If your annual income isn’t too high, a Roth IRA is one of the best retirement accounts available. While your Roth IRA contributions aren’t tax-deductible today, you don’t have to pay income taxes on the withdrawals you make once you retire.

For tax year 2021, the income thresholds are $140,000 for individuals and $208,000 for married couples. A spousal IRA isn’t really a special type of individual retirement account.

Rather, it’s a strategy married couples can use to maximize their retirement savings using an IRA. If you’re married and you or your spouse doesn’t work or earns significantly less than the other, a spousal IRA allows you to save more for retirement.

The non-working spouse can open up a traditional or Roth IRA in their own name and make contributions based on their household income. Ordinarily, you are limited to contributing the amount you, not your household, earns in a year.

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And, unlike other retirement plans, annuities aren’t subject to IRS contribution limits, so you can invest as much as you want for your future. According to MetLife’s 2019 Employee Benefit Trends Study, employees ranked a 401(k) or other retirement plans as the most important company benefit after health and dental insurance, with 60% of respondents saying a retirement plan was a “must-have” when considering a prospective employer.

If your employer offers a 401(k) account, you can make contributions to the plan with pre-tax dollars. If you think you’re probably in a lower tax bracket today than you will be in retirement, a Roth 401(k) account is a better choice for now.

If you are an employee of a state or local government agency, you may be able save for retirement in a 457(b) plan. The account is tax-deferred, so you don’t pay taxes on your contributions or earnings until you begin to make withdrawals in retirement.

A Thrift Savings Plan (TSP) is only for federal employees and members of the uniformed services. You can make contributions to a TSP with pre-tax dollars, and your money can grow tax-deferred until you withdraw it in retirement.

Being a small business owner or a solo entrepreneur means you’re on your own when it comes to saving for retirement. But that doesn’t mean you can’t get at least some benefits available to people with employer-sponsored retirement plans.

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If you are a small business owner and don’t have another retirement plan for your employees, consider a Savings Incentive Match Plan for Employees IRA, commonly known as a SIMPLE IRA. Under a SIMPLE IRA, employees are immediately vested, meaning they have full ownership of all the funds in their accounts.

If you’re a small business owner, you can open a Simplified Employee Pension (SEP) plan. Simplified Employee Pension plans establish SEP IRAs for self-employed individuals and small business owners.

Unlike other retirement plans, your employees can’t make contributions to the SEP IRA; only the employer can. A payroll deduction IRA is a low-cost option that requires little work on the part of a small business owner.

As a small business owner, your sole responsibility is simply to deduct the employee’s authorized deductions from their paychecks and direct them to their designated IRA account. Only employees make contributions to the account, and there are no filing requirements for the employer.

Payroll deduction IRAs are easy to set up and operate, and there is little to no cost for the employer. Employees can contribute up to normal IRA limits in tax years 2020 and 2021: $6,000, or $7,000 for those 50 or older.

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If you’re self-employed and don’t have any employees, besides a spouse who works at least part-time, you can open a Solo 401(k) account. Developing from the literary genre as early as the late 1800s, the first true piece of spy literature was a serial entitled “The Great War in 1897” by William Le Queue.

This year, given that the CDC advised Americans to stay home for Thanksgiving to slow the spread of COVID-19, less travel time means more hours on the calendar to revisit the globe-trotting espionage franchise. A veteran CIA officer is accused of being a Russian spy and is forced to go on the run, using her years of training and experience to elude those on her tail.

Though an uncharacteristic mishap during routine training exercise at first brings M to believe 007 is finally past his prime, James Bond is once again forced to tussle with the nefarious criminal organization Specter, when a group of its members steals nuclear missiles from the U.S. military. When an IRA member is arrested after a failed terrorist attack in the 1990s Belfast, she must choose between spying on her comrades for the government, or being sent to prison and leaving her young son.

Though the plot of the film is original, the title (which also serves as the name of Maud Adams’s character) comes from a short story in a collection from “Bond” author Ian Fleming, entitled “Octopussy and the Living Daylights.” Based on the 1964 television show of the same name, this Guy Ritchie film stars Armies Hammer and Henry Cavils as a KGB agent and a CIA agent, respectively, forced to work together in order to stop a secretive criminal organization from using nuclear weapons to purposefully disrupt tensions during the Cold War.

This World War II film follows a group of Nazis scheming to kidnap Britain’s prime minister, who disguise themselves as Polish paratroopers in England in order to do so. Starring Charlize Theron as the seductive and deadly Lorraine Brought on, the actress performed all of her own brutal stunts which required two months of five-hour-a-day training.

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McLennan County According to the department's Twitter account, they responded to the 2800 block of Corporation Pkwy. Due to a large fuel spill on Saturday night.

According to the department's Twitter account, they responded along with a HAZMAT team. And so accessing that landscape and then COVID-19 hit and our unemployment rate unfortunately rose to higher levels than we’ve seen in years,” said Tiffany Gallegos Whitley, Prosper Waco's Director of Workforce Initiatives.

Prosper Waco partnered with Texas State Technical College to provide the first training course, which will be a six-week program for Industrial Maintenance Technician beginning on March 15. It will give them the skills they need to go out and land an entry level job in the maintenance field,” said Adam Barber, TTC's Executive Director for Workforce Training.

The program is not only designed to give specialized job training, but will also help individuals make connections with future employers. So we’re trying to look at those jobs that provide an opportunity for people, who maybe a four-year degree isn't the best fit for them to go the four-year route, to still make a family sustaining wage,” said Whitley.

If you are interested in signing up for the Industrial Maintenance Technician program, you can fill out the application, which will be available online on January 15 at.

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Sources
1 gaana.com - https://gaana.com/song/the-spectre-9
2 en.wikipedia.org - https://en.wikipedia.org/wiki/Can_You_Hear_Me%3F
3 scifipulse.net - https://scifipulse.net/in-review-doctor-who-can-you-hear-me/
4 www.qobuz.com - https://www.qobuz.com/be-nl/album/can-you-hear-me-iu/5099995889559
5 sites.psu.edu - https://sites.psu.edu/comm150honors/2016/01/27/charlie-chaplin-can-you-hear-me-now/
6 www.godtube.com - https://www.godtube.com/watch/
7 jamessellers132317034.wordpress.com - https://jamessellers132317034.wordpress.com/2020/05/10/the-hades-project-a-jacob-walker-story-jacob-walker-a-tall-man-with-blond-hair-and-wearing-a-fashionable-savile-row-suit-with-a-jet-black-blazer-and-a-dark-red-tie-walked-up-to-the-large-marble-s/