Investment Strategies of the Rich

BIG tax advantages you might not be aware of…

Throngs of financial planners and experts rave about Roth IRAs, especially when preparing for retirement. Quick refresher: Earning from traditional IRAs are taxed, whereas Roth's are tax free. This can be a big incentive for those wishing to convert and afford it.

Right now, you can’t convert a traditional IRA to a Roth if your gross income is higher than $100,000. Starting in 2010, that limit vanishes. After that, you’ll be able to convert as much of your traditional IRA to a Roth IRA as you like.

There’s a catch: If your IRA is funded with deductible contributions and tax-deferred earnings, the entire amount you convert will be taxed at your top income-tax rate.

Don’t panic; if you decide to convert you’ll have the option to pay your tax bill over two years (2011 and 2012). Note: if you want to leave a tax-free legacy, a Roth IRA will give your heirs a tax-free inheritance.

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4 Healthy Eating Tips While Traveling

Sometimes traveling on the clock can be fun. Coming back five pounds heavier isn’t. Devour these tips and come back no worse for wear. Who knows? It might even make you feel better while on the road.

1. Avoid Temptation
Face the facts; we don’t always eat our healthiest while traveling. When dining out, try this: skip the menu. It’s a given that most restaurants have chicken, vegetables, salad, etc. Request the basics, keep it simple and you’ll thank yourself later.

2. Your Attention, Please.
If you’re driving, you really shouldn’t be eating in the first place. But since we’re not your mother or the highway patrol, consider pre-packaged, fresh-cut vegetables and fruit. It takes just as long to grab these in a supermarket as it does to wait in line at a drive-thru. No excuses.

3. Switch It Up
Opting for room service? When ordering your meal, make sure you get a salad and go easy on the dressing. Eat half your entrée and then fill up on the salad. By making your healthy salad the main course, you’ll satisfy your appetite with lettuce, which naturally makes you feel full and makes you less prone to residual snacking.

4. Danger: Avoid Dessert!
It doesn’t take a rocket scientist, or a newsletter writer, to known that skipping dessert is a good idea. But did you know passing on all that caramel-soaked, chocolate-filled debauchery can actually keep you safe? A filling meal that ends with a sugary dessert can make you feel sleepy—bad news when driving long distances. Let your passengers indulge. Then make them pay for gas.