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PDF Editor FAQ

If I have maxed out my simple IRA contributions for this tax year, can I still open a self-directed IRA?

First, you need to clarify terminology.A "self-directed IRA" is not a type of IRA. It refers to any IRA under which you have the right to direct the investment of the assets yourself (as opposed to the investments being determined by some professional asset manager). Whether an IRA is "self-directed" has absolutely nothing to do with your question, and will have no effect upon whether or not you can open the IRA.A "simple IRA" refers to a type of employer-sponsored plan, known as a "Savings Incentive Match Plan for Employees" (or "SIMPLE"), that is funded by making contributions to employees' traditional IRAs. The contributions that are permitted under a SIMPLE are salary-reduction contributions by the employee (sort of like what is done in a 401(k) plan) up to $13,500 this year, plus an additional $3,000 if you're age 50+, and contributions by the employer -- either matching up to 3%, or a flat 2% of compensation for each employee. Is that what you're referring to as a "simple IRA"? (I'll assume that it is.)As you might have noticed, if you are in a SIMPLE, you already have a traditional IRA, and it may or may not be self-directed. So what you're really asking must be (1) whether you can open another IRA, and (2) whether you can contribute to that other IRA. (I'm ignoring the self-directed part, because, as I said, any IRA could be self-directed -- that simply depends upon what the particular IRA trust or custodial agreement allows.)(1) There is nothing that stops you from opening another IRA. Or five more IRAs. You can have as many IRAs as you want/need. The issue is getting money into them, as pointed out by Ben Rosenthal's response. He suggested rollovers, which may be the only way that you could do it.(2) The problem that you have, being a participant in a SIMPLE, is that you are subject to the "active participant" phaseout of the IRA deduction limit based on your adjusted gross income. For instance, if you are single, your IRA deduction amount is reduced if your AGI (with some specific modifications) is between $65-75,000, and is $0 if your AGI is over $75,000. If you are married filing a joint return, the phaseout range is $104-124,000.So, even though you could establish a new account, you may not be able to put any money into it. (Roth IRAs are not subject to the phaseout described in (2), but they have their own phaseout rules applicable to how much you are allowed to contribute.)

How can I minimize taxes in retirement?

Minimizing TaxesMinimizing Taxes in Retirement: A GuideRetirement planning is a complex process consisting of several related components. Most of us understand that setting money aside for expenses after we retire is an important part of our lives. Once we have accumulated retirement assets, however, the key is to preserve those assets for future use. Taxes, or the tax implications we may face after retirement, tend to complicate the retirement planning picture. We pay taxes on our income while we work, and those taxes don’t stop once we retire. In this guide, we will present information you can use to minimize your tax exposure in your retirement years, ensuring a stable and comfortable financial future for you and for your loved ones.Reducing Taxes through Retirement InvestmentsThe retirement accounts we set up for the future can have a dramatic impact on the amount of taxes we pay in retirement and when we must pay those taxes. Some of the most popular retirement instruments are Individual Retirement Accounts, or IRAs. There are many forms of IRA, but the two most common are Traditional IRAs and Roth IRAs. Choosing one over the other requires an individual to decide if he or she wishes to receive tax breaks now or in the future. What does that mean? A Traditional IRA is tax-deferred; in other words, taxes are paid on qualified withdrawals after retirement, as the distributions are regarded as ordinary income. Contributions to a Traditional IRA are tax-deductible as well. Withdrawals from Roth IRAs once retirement age is reached are tax-free; contributions to the Roth come from after-tax dollars, meaning taxes have already been paid.To make the choice between IRAs even clearer, consider:·If you want a tax break right now, a Traditional IRA may be a better choice. If you want to reduce your taxes after retirement, the Roth IRA is the way to go.Minimizing Taxes and Tax PenaltiesThe rules governing taxes on retirement account withdrawals are highly complex, and require the account holder to be aware of a number of potential pitfalls to avoid significant penalties. The order in which an individual receives withdrawals from his or her accounts makes a huge difference in reducing taxes and penalties.Retirement planners typically encourage their clients to diversify, meaning that those planning for retirement often have multiple accounts such as Traditional or Roth IRAs as well as employer-sponsored 401(k) and 403(b) plans. Each of these accounts have their own rules and regulations regarding withdrawals, and most include something called a Required Minimum Distribution, or RMD. RMDs are the minimum amounts one must withdraw from qualifying retirement accounts when the account holder reaches a certain age. For retirees who reach the age of 70 ½ years, regulations require RMDs for the following types of retirement accounts:·Simplified Employee Pension (SEP) IRAs·Traditional IRAs·SIMPLE IRAs·401(k) Retirement PlansRoth IRAs do not have an RMD provision; account holders may keep funds in the Roth as long as they wish and as long as they are alive. RMDs are calculated using an IRS life expectancy table. Failure to take RMDs in a timely manner or failure to take the full amount required can result in steep tax penalties; this penalty is typically 50% of the amount the individual was supposed to withdraw.To avoid penalties and to reduce the tax burden, withdrawing assets from accounts should be done in the following order:·Required Minimum Distributions (RMDs) from qualifying accounts if the RMD age is reached·Taxable accounts·Tax-deferred retirement accounts (Traditional IRAs, 401(k) and 403(b) plans)·Tax-exempt retirement accounts (Roth IRAs, Roth 401(k) plans)Making withdrawals in this order ensures that all applicable regulations are met. For the taxable accounts in the list above, it is a good idea to withdraw funds from those accounts for retirement expenses until the accounts are depleted. This keeps more money in tax-deferred or tax-exempt accounts for future use.Finally, it is always a smart idea to consult with a professional retirement planning team -- a team which includes tax planning experts. The team at Miramontes Capital can help you determine the best ways to accumulate retirement savings, then preserve its value for future use by minimizing taxes. Call Miramontes Capital at 1-800-460-1595 to learn more about the firm’s full range of financial services.

In the Battle for Sevastopol, I noticed many characters are often referred to as a short version of their name ending in 'ya' for males, or 'ka' for females? Is this some kind of a gender-specific term of endearment in Russian?

Well, prepare for a loooong answer! You’re about to see the horror of Russian suffixes that signify familiarity and endearment in various contexts.Yes, this is how short forms of first names are formed in Russian, similarly to -y in English for Bill->Billy, John->Johnny.Short forms are familiar forms, often used for belittlement or endearment, like one could talk to a friend or a child. So if your name is Vera, but your boss calls you Verochka, you know that you are being talked down to. In Russian culture, corporate norms are still archaic in many places, so condescending forms of address towards employees, particularly female employees, are frequently found acceptable.But let’s walk over the possible morphemes for this:-a/-ya : the most basic way to shorten a name. Most names have commonly known and used short forms that do not add any specific connotation of belittlement or condescension.Tatyana -> Tanya, Vassily -> Vasya, Irina -> Ira, Mikhail -> Misha, Svetlana -> Sveta, Boris -> Borya, Yevgeni(ya) -> Zhenya, Anastasia -> Nastya, Aleksandr(a) -> Sasha etc.Some names have no common short form: e.g. Igor, Anton, Vera, Denis, Alisa (that’s my name), Andrei, Kirill. They can still be modified by morphemes to create a short form! But this form will have additional connotations, which will make it unusable in many situations. (I will explain further down.) If they have a basic short form, it’s usually only for “close friends” and typically among male groups: Denis -> Denya/Dinya, Andrei -> Andron/Dron, Kirill -> Kirya. (More on this later, too.)-k(a) : the suffix and the ending of familiarity, such as the one used by buddies or by classmates where you can have familiarity but no close friendship. It can have a connotation of humor, or of carelessness or indifference, or can even be even insulting, all depending on the particular situation. So, it comes with an attitude.They are added to the “basic” short form: Sasha -> Sashka, Misha -> Mishka, Sveta -> Svetka, Ira -> Irka, (Roman) Roma -> Romka, (Yakov) Yasha -> Yashka, etc.Tanya is neural, Tan’ka is familiar and probably offensive, unless it’s your best buddy calling you or your husband being humorously playful: “Say Tan’ka, why don’t we order a pizza and relax tonight?” In some social circles, people commonly refer to each other with the -k- suffix and this may speak of low interpersonal culture where other suffixes of endearment are not welcome due to the fear of being “too sissy” or “too cultured”. [Upd: I might want to reconsider this sentence because the context is too complex for such a simple generalization, so I may be partially wrong, but I don’t want to dedicate a huge chapter to this observation; for now, I’m leaving this sentence as if for demonstration, but it should be taken with a grain of salt and perhaps as a personal bias]-ochk-/-echk- : the suffixes of belittlement. That’s how you call children (if you’re being nice), or people whom you want to feel like children next to you (if you’re not being nice). Common for Internet trolling. Managers with delusions of grandeur love this.Anya -> Anyechka, Borya -> Boryechka, (Viktor) Vitya -> Vityechka, (Galina) Galya - Galochka, etc.-ik : another form of belittlement, usually towards male children. Can be added to female names, too.Sasha -> Sashik, (Yuri) Yura -> Yurik. Tanya -> Tan’chik, Alisa -> Alisik, Diana -> Dianchik, Sveta -> Svetik.-yush-, -osh-, -yut- : the suffixes of tenderness. Often used towards children. -k- may be added easily here without any negative connotation, usually for phonetic reasons (sounds better or more natural, etc.).Misha -> Mishutka, Anya -> Anyuta, Tanya -> Tanyusha.This is where those names without the common short form can have a form of endearment: Anton -> Antosh(k)a, Andrei -> Andryushka, Kirill -> Kiryushka. Can you guess how likely it is that your buddies will call you this over a beer? Wouldn’t put my money on that. That’s older relatives’ suffix of choice.-an(ya) : bro suffix.Misha -> Mishanya, Sasha - Sanya (this may be a fusion between shortening the root and making it sound similar to the -an- suffix), (Nikolai) Kolya -> Kolyan, (Vladimir) Vova -> Vovan.(Also brother: brat -> bratan, dad: papa -> papanya, in contexts where people you address are not your relatives, but other male bros, such as when you ask for a cig on a street.)No, female Tanya doesn’t count. (See below.)-as : another bro suffix.Yura -> Yuras, Zhenya -> Zhenyas.Hey, a twist on this bro suffix! - with -ik, it is used tenderly by women towards little boys: Yurasik, Zhenyasik.Whadyaknow, -ich/-ych : another bro suffix. It is meant to resemble a patronymic (patronymics are commonly used in Russia and they end with -ich/-ych for male names). The history behind this is that people respectively refer to each other as e.g. Ivan Ivanovich, which in colloquial speech (usually among adults and older people) can be shortened to just Ivanovich (or Ivanych for easier pronunciation), which then gives rise to the manner of calling your buddies in the same vein, BUT adding the suffix to their first names instead, not to their father’s name:Yura -> Yurych, Kirill -> Kirych, Vasya -> Vasich.Can sometimes be used by women, too. Usually by teenage girls and young women.-ok : and another one!Yuri -> Yurok, Tanya -> Tanyok, Igor -> Igoryok, Sanya -> Sanyok.-ukh-/-akh- : a more gender-general bro/sis suffix.Nastya -> Nastyukha, Tanya -> Tanyukha, Misha -> Mikha, (Aleksei) Alyosha -> Lyosha -> Lyokha, (Maria) Masha -> Makha.Again, that’s where those names without a common short form can have another version, obvious suitable only for this context: Andrei -> Andryukha, Anton -> Antokha, Kirill -> Kiryukha.Did I get them all? Nah! Certainly you can get your kicks on morphological mutants such as (Kirill) Kiryushonochek, (Tatyana) Tanelyushechka, (Yevgeni) Zheneson, (Yakov) Yakhen, or (Nikolai) Nikoladze. All a matter of your personal creativity and of how well you can feel the apt context and emotional connotation for application of such names.BONUS: it’s not just for names. You can use it for other nouns, too, for a similar emotional effect.

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