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	<title>401k and IRA Wealth</title>
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	<link>http://401kirawealth.com</link>
	<description>Wealth Preservation and Growth</description>
	<lastBuildDate>Thu, 17 May 2012 17:01:07 +0000</lastBuildDate>
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		<title>Linking Broadband to Job Creation Takes Vision</title>
		<link>http://401kirawealth.com/2012/05/17/linking-broadband-to-job-creation-takes-vision/</link>
		<comments>http://401kirawealth.com/2012/05/17/linking-broadband-to-job-creation-takes-vision/#comments</comments>
		<pubDate>Thu, 17 May 2012 17:01:07 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[solar eclipse]]></category>
		<category><![CDATA[atlanta fulton county library]]></category>
		<category><![CDATA[city blocks]]></category>
		<category><![CDATA[clark atlanta university]]></category>
		<category><![CDATA[hammonds house]]></category>
		<category><![CDATA[minute car]]></category>
		<category><![CDATA[spelman college]]></category>

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		<description><![CDATA[The West &#101;&#110;&#100; of Atlanta is one of &#116;&#104;&#101; city’s historic and in &#115;&#111;&#109;&#101; ways vibrant districts. &#116;&#104;&#101; sector has approximately 33,000 residents surrounding its main zip code, 30310. &#116;&#104;&#101; branches of &#116;&#104;&#114;&#101;&#101; major banks, JP Morgan Chase, Wells Fargo, and Bank of America &#097;&#114;&#101; within &#116;&#119;&#111; city blocks of &#101;&#097;&#099;&#104; other. Nestled &#097;&#116; &#116;&#104;&#101; [...]]]></description>
			<content:encoded><![CDATA[<p><img src="" style="float:left;clear:both;margin:0 15px 15px 0" />
<p>The West &#101;&#110;&#100; of Atlanta is one of &#116;&#104;&#101; city’s historic and in &#115;&#111;&#109;&#101; ways vibrant districts. &#116;&#104;&#101; sector has approximately 33,000 residents surrounding its main zip code, 30310. &#116;&#104;&#101; branches of &#116;&#104;&#114;&#101;&#101; major banks, JP Morgan Chase, Wells Fargo, and Bank of America &#097;&#114;&#101; within &#116;&#119;&#111; city blocks of &#101;&#097;&#099;&#104; other.</p>
<p>Nestled &#097;&#116; &#116;&#104;&#101; sector’s east gate is &#116;&#104;&#101; West &#101;&#110;&#100; MARTA station &#119;&#104;&#105;&#099;&#104; &#099;&#097;&#110; whisk its riders &#116;&#111; Atlanta Jackson-Hartsfield International Airport within 25 minutes. A &#116;&#104;&#114;&#101;&#101; minute car ride north of &#116;&#104;&#101; station takes you &#116;&#111; Clark Atlanta University, Morehouse College, and Spelman College.</p>
<p>The Hammonds House Museum sits next &#116;&#111; a busy branch of &#116;&#104;&#101; Atlanta-Fulton County Library. Wren’s Nest, historic home of Joel Chandler Harris and author of &#116;&#104;&#101; Brer Rabbit and Uncle Remus tales is but a brisk &#102;&#105;&#118;&#101; minute walk from &#116;&#104;&#101; library. &#097;&#110;&#111;&#116;&#104;&#101;&#114; cultural hub, &#116;&#104;&#101; West &#101;&#110;&#100; Performance Arts Center, &#097;&#108;&#115;&#111; sits nearby.</p>
<p>While &#116;&#104;&#101; sector has an abundance of culture, its potential is grossly offset by a lack of equally vibrant commercial activity. One &#099;&#097;&#110; tire quickly from &#116;&#111;&#111; &#109;&#097;&#110;&#121; hair salons and fast food joints. Residents of nice gated apartment complexes &#104;&#097;&#118;&#101; views of rundown, strip malls, &#119;&#105;&#116;&#104; uninviting store fronts.</p>
<p>City leaders &#104;&#097;&#118;&#101; noticed, and while &#116;&#104;&#101; cynic may &#104;&#097;&#118;&#101; &#110;&#111; expectation of action, policy makers &#097;&#114;&#101; implementing a visioning process that &#119;&#105;&#108;&#108; hopefully incentivize &#116;&#104;&#101; community &#116;&#111; &#109;&#097;&#107;&#101; &#109;&#111;&#114;&#101; of an investment their neighborhoods and businesses. As one city council member staffer recently told me, if we seed &#116;&#104;&#101; West &#101;&#110;&#100; properly &#119;&#104;&#111; &#107;&#110;&#111;&#119;&#115; what may grow.</p>
<p>One of &#116;&#104;&#111;&#115;&#101; seeds could &#098;&#101; &#116;&#104;&#101; linking of broadband &#116;&#111; job creation and &#116;&#104;&#101; West &#101;&#110;&#100; desperately needs job creation. Ninety-two percent of West End’s residents &#097;&#114;&#101; black. Approximately 30% of &#116;&#104;&#101; West &#101;&#110;&#100; lives &#098;&#101;&#108;&#111;&#119; &#116;&#104;&#101; poverty line. &#116;&#104;&#101; sector’s median household income of $24,604 pales &#119;&#104;&#101;&#110; compared &#116;&#111; that of its affluent Buckhead neighbors &#116;&#111; &#116;&#104;&#101; north &#119;&#104;&#101;&#114;&#101; &#116;&#104;&#101; median household income is $94,740 and 79% of residents &#097;&#114;&#101; white. &#106;&#117;&#115;&#116; &#111;&#118;&#101;&#114; &#115;&#101;&#118;&#101;&#110; percent of West &#101;&#110;&#100; residents &#104;&#097;&#118;&#101; bachelor degrees and approximately four percent &#104;&#097;&#118;&#101; graduate &#111;&#114; professional degrees. In Buckhead, 39.8% of residents &#104;&#097;&#118;&#101; bachelor degrees while 21.7% &#104;&#097;&#118;&#101; graduate &#111;&#114; professional degrees.</p>
<p>While &#110;&#111;&#116; a panacea, businesses that use broadband &#116;&#111; deliver services could &#104;&#101;&#108;&#112; provide employment relief &#116;&#111; areas &#108;&#105;&#107;&#101; &#116;&#104;&#101; West &#101;&#110;&#100;. Time Warner Cable and &#116;&#104;&#101; National Urban League released a report outlining how broadband could contribute &#116;&#111; increased economic activity and job growth particularly in African American communities.</p>
<p>One recommendation in their report calls for creating workforce training in broadband sectors that incorporate job placement. &#110;&#101;&#119; businesses and &#109;&#111;&#114;&#101; jobs result &#119;&#104;&#101;&#110; &#116;&#104;&#101; &#114;&#105;&#103;&#104;&#116; talent mix is in &#112;&#108;&#097;&#099;&#101;.</p>
<p>Another recommendation calls for providing incentives for brick and mortar and broadband businesses &#116;&#111; locate in hard hit areas. For &#101;&#120;&#097;&#109;&#112;&#108;&#101;, promoting existing brick-and mortar businesses &#097;&#108;&#114;&#101;&#097;&#100;&#121; in &#116;&#104;&#101; area &#099;&#097;&#110; &#104;&#101;&#108;&#112; attract broadband businesses, according &#116;&#111; &#116;&#104;&#101; report. That ties in &#119;&#105;&#116;&#104; what city leaders’ desire for local businesses &#116;&#111; emphasize better customer service and contact &#119;&#105;&#116;&#104; potential customers.</p>
<p>Time Warner and &#116;&#104;&#101; National Urban League &#097;&#108;&#115;&#111; recommend fast tracking &#116;&#104;&#101; approval of broadband businesses in hard hit neighborhoods. Buckhead has &#097;&#116; &#108;&#101;&#097;&#115;&#116; four e-commerce businesses while West &#101;&#110;&#100; has none.</p>
<p>The e-commerce pie is big and &#103;&#101;&#116;&#116;&#105;&#110;&#103; &#098;&#105;&#103;&#103;&#101;&#114;. JP Morgan Chase estimated that global e-commerce revenues in 2011 reached $680 billion, while U.S. e-commerce retail revenues &#097;&#108;&#111;&#110;&#101; would hit $187 billion.</p>
<p>The West &#101;&#110;&#100; and other African American communities &#114;&#117;&#110; and &#110;&#111;&#116; walk &#119;&#105;&#116;&#104; regards &#116;&#111; implementing progressive broadband strategies.</p>
<p>Alton Drew is a political economist and commentator. In addition &#116;&#111; being a contributing writer &#097;&#116; Politic365.com, Mr. Drew blogs &#097;&#116; Law and Politics of Broadband, Paying for Dodd Frank, and &#116;&#104;&#101; American Centrist. Follow &#104;&#105;&#109; on Twitter @altondrew, &#098;&#101;&#099;&#111;&#109;&#101; a friend &#097;&#116; https://facebook.com/alton.drew, &#111;&#114; visit &#104;&#105;&#115; website &#097;&#116; altondrew.com.</p>
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		<title>Linkin Park Added to Download Festival Lineup</title>
		<link>http://401kirawealth.com/2012/05/17/linkin-park-added-to-download-festival-lineup/</link>
		<comments>http://401kirawealth.com/2012/05/17/linkin-park-added-to-download-festival-lineup/#comments</comments>
		<pubDate>Thu, 17 May 2012 11:01:15 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[devils]]></category>
		<category><![CDATA[frontman]]></category>
		<category><![CDATA[pink floyd]]></category>

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		<description><![CDATA[Organizers &#111;&#102; &#116;&#104;&#101; 2011 Download Festival have followed &#117;&#112; &#108;&#097;&#115;&#116; week&#8217;s announcement at System &#111;&#102; a &#100;&#111;&#119;&#110; &#119;&#105;&#108;&#108; headline &#116;&#104;&#101; event with news &#116;&#104;&#097;&#116; American rock band Linkin Park &#119;&#105;&#108;&#108; &#097;&#108;&#115;&#111; &#098;&#101; making an appearance. &#116;&#104;&#101; Download Festival &#119;&#105;&#108;&#108; take place June 10-12, &#097;&#110;&#100; more than 100,000 music fans &#097;&#114;&#101; expected at Donington. SEE ALSO: [...]]]></description>
			<content:encoded><![CDATA[<p><img src="" style="float:left;clear:both;margin:0 15px 15px 0" />
<p>Organizers &#111;&#102; &#116;&#104;&#101; 2011 Download Festival have followed &#117;&#112; &#108;&#097;&#115;&#116; week&#8217;s announcement at System &#111;&#102; a &#100;&#111;&#119;&#110; &#119;&#105;&#108;&#108; headline &#116;&#104;&#101; event with news &#116;&#104;&#097;&#116; American rock band Linkin Park &#119;&#105;&#108;&#108; &#097;&#108;&#115;&#111; &#098;&#101; making an appearance. &#116;&#104;&#101; Download Festival &#119;&#105;&#108;&#108; take place June 10-12, &#097;&#110;&#100; more than 100,000 music fans &#097;&#114;&#101; expected at Donington.
<p>SEE ALSO: Pink Floyd reunion gig cancelled</p>
</p>
<p>Linkin Park burst &#111;&#110;&#116;&#111; &#116;&#104;&#101; scene in 1996 &#097;&#110;&#100; &#104;&#097;&#115; &#103;&#111;&#110;&#101; &#111;&#110; to win two Grammy Awards. &#116;&#104;&#101; band &#104;&#097;&#115; sold more than 50 million records all around &#116;&#104;&#101; world. &#105;&#116;&#115; fourth album, A Thousand Suns, topped &#116;&#104;&#101; charts in 10 countries &#097;&#110;&#100; made it to &#116;&#104;&#101; number two spot in &#116;&#104;&#101; UK.</p>
<p>&#8220;We &#097;&#114;&#101; very excited to &#098;&#101; playing Download &#097;&#103;&#097;&#105;&#110; next year,&#8221; said Linkin Park frontman Chester Bennington. &#8220;It&#8217;s &#111;&#110;&#101; &#111;&#102; &#116;&#104;&#101; best festivals in &#116;&#104;&#101; world &#097;&#110;&#100; it&#8217;s &#097;&#108;&#119;&#097;&#121;&#115; an honour to play in &#102;&#114;&#111;&#110;&#116; &#111;&#102; such a &#103;&#114;&#101;&#097;&#116; crowd. We can&#8217;t wait!&#8221;</p>
<p>Rob Zombie, Grammy Award-winning musician &#097;&#110;&#100; producer, &#119;&#105;&#108;&#108; &#097;&#108;&#115;&#111; perform at &#116;&#104;&#101; Download Festival 16 years after &#104;&#101; &#108;&#097;&#115;&#116; played &#116;&#104;&#101; venue with White Zombie. Zombie founded &#116;&#104;&#101; band &#097;&#110;&#100; &#104;&#097;&#115; since found success as a movie producer &#097;&#110;&#100; director, &#109;&#111;&#115;&#116; notably for &#8220;House &#111;&#102; 1000 Corpses&#8221; &#097;&#110;&#100; &#8220;&#116;&#104;&#101; Devil&#8217;s Rejects.&#8221; &#116;&#104;&#101; musician&#8217;s &#110;&#101;&#119; album, &#8220;Hellbilly Deluxe 2,&#8221; debuted earlier in 2010.</p>
<p>Tickets for &#116;&#104;&#101; event, including camping passes &#097;&#110;&#100; RIP packages, can &#098;&#101; found online at downloadfestival.co.uk. An early bird special featuring three day &#097;&#110;&#100; &#102;&#105;&#118;&#101; day camping tickets expires at 5 p.m. Monday, Dec. 20. Ticket prices for &#116;&#104;&#101; 2011 event remain &#116;&#104;&#101; &#115;&#097;&#109;&#101; as &#116;&#104;&#111;&#115;&#101; paid in 2010.</p>
</p>
<p> What &#119;&#111;&#117;&#108;&#100; you like to say? You May &#097;&#108;&#115;&#111; Like</p>
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		<title>Pacers&#8217; Vogel, Grizzlies&#8217; Hollins named Coaches of the Month</title>
		<link>http://401kirawealth.com/2012/05/16/pacers-vogel-grizzlies-hollins-named-coaches-of-the-month/</link>
		<comments>http://401kirawealth.com/2012/05/16/pacers-vogel-grizzlies-hollins-named-coaches-of-the-month/#comments</comments>
		<pubDate>Wed, 16 May 2012 09:00:38 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[pacers]]></category>
		<category><![CDATA[gregg popovich]]></category>
		<category><![CDATA[mike woodson]]></category>
		<category><![CDATA[Score]]></category>
		<category><![CDATA[tyrone corbin]]></category>

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		<description><![CDATA[By Official ReleasePosted Apr 27 2012 2:33PM NEW YORK &#8212; The Indiana Pacers&#8217; Frank Vogel and &#116;&#104;&#101; Memphis Grizzlies&#8217; Lionel Hollins today were named &#116;&#104;&#101; NBA Eastern and Western Conference Coaches of &#116;&#104;&#101; Month, &#114;&#101;&#115;&#112;&#101;&#099;&#116;&#105;&#118;&#101;&#108;&#121;, &#102;&#111;&#114; games played in April. Vogel led Indiana &#116;&#111; an Eastern Conference- best 12-3 (.800) record including &#097; league-leading 5-0 [...]]]></description>
			<content:encoded><![CDATA[<p><img src="" style="float:left;clear:both;margin:0 15px 15px 0" />
<p><strong> By Official Release</strong>Posted Apr 27 2012 2:33PM</p>
<p><b>NEW YORK &#8212; </b>The Indiana Pacers&#8217; Frank Vogel and &#116;&#104;&#101; Memphis Grizzlies&#8217; Lionel Hollins today were named &#116;&#104;&#101; NBA Eastern and Western Conference Coaches of &#116;&#104;&#101; Month, &#114;&#101;&#115;&#112;&#101;&#099;&#116;&#105;&#118;&#101;&#108;&#121;, &#102;&#111;&#114; games played in April.</p>
<p>Vogel led Indiana &#116;&#111; an Eastern Conference- best 12-3 (.800) record including &#097; league-leading 5-0 &#109;&#097;&#114;&#107; &#111;&#110; &#116;&#104;&#101; road, &#116;&#104;&#101; Pacers longest winning streak &#097;&#119;&#097;&#121; &#102;&#114;&#111;&#109; home since 2003-04. &#116;&#104;&#101; Pacers&#8217; 12 victories were &#116;&#104;&#101; team&#8217;s most wins in &#097; month since November 2003 (13-2). &#100;&#117;&#114;&#105;&#110;&#103; April, &#116;&#104;&#101; Pacers averaged 102.7 points &#8212; &#110;&#101;&#097;&#114;&#108;&#121; &#115;&#105;&#120; points &#097;&#098;&#111;&#118;&#101; its season average &#8212; and ranked sixth overall in Plus-Minus Score Differential (+5.7).</p>
<p>Hollins guided &#116;&#104;&#101; Grizzlies &#116;&#111; &#097; 13-3 record in April, tying &#116;&#104;&#101; franchise &#109;&#097;&#114;&#107; &#102;&#111;&#114; &#116;&#104;&#101; most wins in &#097; month (March, 2004). &#097;&#109;&#111;&#110;&#103; &#116;&#104;&#101; Grizzlies&#8217; 13 victories were wins at Oklahoma City, which snapped &#116;&#104;&#101; Thunder&#8217;s six-game winning streak, and at Miami. Memphis&#8217; season-ending home victory against Orlando was &#116;&#104;&#101; team&#8217;s franchise-tying 11th straight win at FedExForum, and clinched homecourt advantage in &#116;&#104;&#101; &#102;&#105;&#114;&#115;&#116; &#114;&#111;&#117;&#110;&#100; of &#116;&#104;&#101; playoffs.</p>
<p>Other nominees &#102;&#111;&#114; Coach of &#116;&#104;&#101; Month were Atlanta&#8217;s Larry Drew, Boston&#8217;s Doc Rivers, Denver&#8217;s George Karl, &#110;&#101;&#119; York&#8217;s Mike Woodson, San Antonio&#8217;s Gregg Popovich, and Utah&#8217;s Tyrone Corbin.</p></p>
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		<title>Savvy Money: As with Coach Cal, it’s never too early to start reloading for the next year</title>
		<link>http://401kirawealth.com/2012/05/15/savvy-money-as-with-coach-cal-it%e2%80%99s-never-too-early-to-start-reloading-for-the-next-year/</link>
		<comments>http://401kirawealth.com/2012/05/15/savvy-money-as-with-coach-cal-it%e2%80%99s-never-too-early-to-start-reloading-for-the-next-year/#comments</comments>
		<pubDate>Tue, 15 May 2012 20:30:24 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[401k contribution limits]]></category>
		<category><![CDATA[brain system]]></category>
		<category><![CDATA[itemized deductions]]></category>
		<category><![CDATA[kentucky basketball]]></category>
		<category><![CDATA[personal exemptions]]></category>
		<category><![CDATA[wildcats]]></category>

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		<description><![CDATA[By Christina Harrison and Judy HowellKyForward contributors We watched “The Announcement “Tuesday night on TV. &#108;&#111;&#111;&#107;&#105;&#110;&#103; &#097;&#116; &#116;&#104;&#111;&#115;&#101; &#102;&#105;&#118;&#101; young University &#111;&#102; Kentucky basketball players and their coach, we were reminded &#111;&#102; how quickly things &#099;&#097;&#110; change and how quickly an NCAA basketball championship team &#099;&#097;&#110; &#098;&#101; &#098;&#097;&#099;&#107; &#116;&#111; square one. It &#106;&#117;&#115;&#116; &#115;&#111; happened [...]]]></description>
			<content:encoded><![CDATA[<p><strong>By Christina Harrison and Judy Howell</strong>KyForward contributors</p>
<p>We watched “The Announcement “Tuesday night on TV. &#108;&#111;&#111;&#107;&#105;&#110;&#103; &#097;&#116; &#116;&#104;&#111;&#115;&#101; &#102;&#105;&#118;&#101; young University &#111;&#102; Kentucky basketball players and their coach, we were reminded &#111;&#102; how quickly things &#099;&#097;&#110; change and how quickly an NCAA basketball championship team &#099;&#097;&#110; &#098;&#101; &#098;&#097;&#099;&#107; &#116;&#111; square one.</p>
<p>It &#106;&#117;&#115;&#116; &#115;&#111; happened that &#116;&#104;&#101; Announcement was made on April 17, this year’s tax filing deadline. (We should have had &#097;&#116; &#108;&#101;&#097;&#115;&#116; one &#111;&#102; &#116;&#104;&#111;&#115;&#101; guys stay &#106;&#117;&#115;&#116; &#116;&#111; offset &#116;&#104;&#101; pain &#111;&#102; &#116;&#104;&#101; tax filing deadline!) And &#106;&#117;&#115;&#116; as things &#119;&#105;&#108;&#108; change for &#116;&#104;&#101; Wildcats on &#116;&#104;&#101; court next year, things &#119;&#105;&#108;&#108; change for all &#111;&#102; &#117;&#115; &#099;&#111;&#109;&#101; tax time next year.</p>
<p>Just a few &#111;&#102; &#116;&#104;&#101; things you need &#116;&#111; &#107;&#110;&#111;&#119; – &#111;&#114; reload into your brain system:</p>
<p>1. &#116;&#104;&#101; Bush era tax cuts &#097;&#114;&#101; set &#116;&#111; expire &#097;&#116; &#116;&#104;&#101; end &#111;&#102; this year. If &#110;&#111;&#116; extended, that means that &#116;&#104;&#101; lower income tax rates, 15 percent maximum rates on dividends and capital gains, and &#116;&#104;&#101; repeal &#111;&#102; &#116;&#104;&#101; limits on personal exemptions and itemized deductions &#119;&#105;&#108;&#108; &#098;&#101; &#103;&#111;&#110;&#101;. Saying goodbye &#116;&#111; &#116;&#104;&#101; lower income tax rates &#119;&#105;&#108;&#108; &#109;&#101;&#097;&#110; that &#109;&#111;&#114;&#101; &#111;&#102; your income &#119;&#105;&#108;&#108; &#098;&#101; taxed &#097;&#116; a higher rate, sooner. Your income &#105;&#115; taxed incrementally – assuming you &#097;&#114;&#101; married for tax year 2012, &#116;&#104;&#101; first $17,400 &#111;&#102; taxable income &#119;&#105;&#108;&#108; &#098;&#101; taxed &#097;&#116; &#116;&#104;&#101; 10 percent rate. &#097;&#110;&#121; taxable income &#102;&#114;&#111;&#109; $17,400-$70,700 &#119;&#105;&#108;&#108; &#098;&#101; taxed &#097;&#116; 15 percent, and &#115;&#111; on. As a comparison, &#116;&#104;&#101; lowest bracket &#105;&#110; 2000 was 15 percent and you &#109;&#111;&#118;&#101;&#100; into &#116;&#104;&#101; 28% bracket &#097;&#116; $26,250. &#115;&#111;, you need &#116;&#111; keep an eye on what Congress &#100;&#111;&#101;&#115; with &#116;&#104;&#101; tax brackets, dividend and capital gain rates, and limits on personal exemptions and itemized deductions because &#116;&#104;&#101; impact could &#098;&#101; significant.</p>
<p>2. &#101;&#097;&#099;&#104; dependent was worth $3,700 as an exemption &#105;&#110; 2011. &#105;&#110; 2012, that &#097;&#109;&#111;&#117;&#110;&#116; &#103;&#111;&#101;&#115; up &#116;&#111; $3,800 (Woo-Hoo!).</p>
<p>3. &#116;&#104;&#101; standard deduction &#097;&#109;&#111;&#117;&#110;&#116; varies &#098;&#121; your tax filing status. If you &#097;&#114;&#101; single, your standard deduction was $5,800 &#105;&#110; 2011. &#105;&#116; &#119;&#105;&#108;&#108; &#098;&#101; $5,950 &#105;&#110; 2012. Compare your itemized deductions (mortgage &#105;&#110;&#116;&#101;&#114;&#101;&#115;&#116;, real estate taxes, etc.) &#116;&#111; &#116;&#104;&#101; standard deduction allowed &#116;&#111; determine &#119;&#104;&#101;&#116;&#104;&#101;&#114; &#111;&#114; &#110;&#111;&#116; &#116;&#111; itemize your deductions.</p>
<p>4. You &#097;&#114;&#101; able &#116;&#111; contribute $17,000 &#116;&#111; your 401(k) – that &#105;&#115; an increase &#111;&#102; $500 &#102;&#114;&#111;&#109; last year’s limit. &#116;&#104;&#101; “catch-up” limits for &#116;&#104;&#111;&#115;&#101; age 50 &#111;&#114; older remain &#116;&#104;&#101; same &#097;&#116; $5,500. You may &#098;&#101; eligible for a “Saver’s Credit” &#111;&#102; up &#116;&#111; $1,000 if your adjusted gross income falls within certain ranges.</p>
<p>5. &#116;&#104;&#101; maximum credit for &#101;&#097;&#099;&#104; qualifying child for &#116;&#104;&#101; child tax credit remains unchanged &#097;&#116; $1,000. &#116;&#104;&#101; income brackets for figuring &#116;&#104;&#101; phaseout &#111;&#102; this credit remains unchanged.</p>
<p>6. Elementary and secondary school teachers were able &#116;&#111; claim $250 &#105;&#110; expenses against their gross income. That adjustment &#105;&#115; &#103;&#111;&#110;&#101; for 2012.</p>
<p>7. &#116;&#104;&#101; maximum &#105;&#110;&#116;&#101;&#114;&#101;&#115;&#116; deduction for education loans remains unchanged &#097;&#116; $2,500, as &#100;&#111;&#101;&#115; &#116;&#104;&#101; modified adjusted gross income phaseout range.</p>
<p>8. &#116;&#104;&#101; annual contribution limit for Coverdell educations savings accounts (K-12 plus college expenses) remains &#097;&#116; $2,000. This limit &#105;&#115; phased &#111;&#117;&#116; based on your income, and &#116;&#104;&#111;&#115;&#101; limits remain unchanged.</p>
<p>9. &#116;&#104;&#101; maximum deduction for qualified higher education expenses was $4,000 for 2011, subject &#116;&#111; phaseout based on modified adjusted gross income. That deduction &#105;&#115; &#103;&#111;&#110;&#101; for 2012.</p>
<p>As I said earlier, &#098;&#101; &#115;&#117;&#114;&#101; &#116;&#111; keep your eye on what Congress &#100;&#111;&#101;&#115; on &#116;&#104;&#101; Bush-era tax cuts. That vote &#098;&#121; Congress &#119;&#105;&#108;&#108; probably &#098;&#101; delayed &#117;&#110;&#116;&#105;&#108; after &#116;&#104;&#101; election, &#115;&#111; you &#119;&#105;&#108;&#108; &#115;&#116;&#105;&#108;&#108; have time &#116;&#111; adjust withholdings for 2013 if needed.</p>
<p>One last caution: After considering all &#116;&#104;&#101;&#115;&#101; numbers, don’t &#098;&#101;&#099;&#111;&#109;&#101; overloaded as opposed &#116;&#111; reloaded! It’s never &#116;&#111;&#111; early &#116;&#111; &#103;&#101;&#116; started preparing for another year.</p>
<p><img style="float: left;clear: both;margin-top: 0pt;margin-right: 12px;margin-bottom: 12px;margin-left: 0pt" src="kyforward.com/our-smart-money/files/2012/02/first-kentucky-logo-small.jpg"></p>
<p>Christina Harrison and Judy Howell, H2 Investments, &#097;&#114;&#101; affiliated with First Kentucky Securities Corporation (member FINRA, SIPC). They have &#111;&#118;&#101;&#114; 25 years &#111;&#102; experience assisting individuals &#105;&#110; meeting their investment and retirement goals.</p></p>
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		<title>Linking inflation and immigration</title>
		<link>http://401kirawealth.com/2012/05/15/linking-inflation-and-immigration/</link>
		<comments>http://401kirawealth.com/2012/05/15/linking-inflation-and-immigration/#comments</comments>
		<pubDate>Tue, 15 May 2012 18:30:23 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[401 k plan]]></category>
		<category><![CDATA[10 years]]></category>
		<category><![CDATA[illegal aliens]]></category>
		<category><![CDATA[illegal immigration]]></category>
		<category><![CDATA[Inflation]]></category>
		<category><![CDATA[visas]]></category>
		<category><![CDATA[wit]]></category>

		<guid isPermaLink="false">http://401kirawealth.com/2012/05/15/linking-inflation-and-immigration/</guid>
		<description><![CDATA[If &#116;&#104;&#101;&#114;&#101; is in fact &#097; linkage &#098;&#101;&#116;&#119;&#101;&#101;&#110; illegal immigration and inflation, and &#097;&#115; I &#100;&#111; accept &#116;&#104;&#101; distinct probability that &#116;&#104;&#101;&#114;&#101; is &#111;&#110;&#101;, &#116;&#104;&#105;&#115; is &#104;&#111;&#119; I &#116;&#104;&#105;&#110;&#107; &#116;&#104;&#101; issue &#099;&#097;&#110; &#098;&#101; reduced to &#097;&#108;&#109;&#111;&#115;&#116; zero. As an immigrant that patiently stood in line &#102;&#111;&#114; 10 years to become &#097; citizen &#111;&#102; &#116;&#104;&#101; United [...]]]></description>
			<content:encoded><![CDATA[<p><img src="" style="float:left;clear:both;margin:0 15px 15px 0" />
<p>If &#116;&#104;&#101;&#114;&#101; is in fact &#097; linkage &#098;&#101;&#116;&#119;&#101;&#101;&#110; illegal immigration and inflation, and &#097;&#115; I &#100;&#111; accept &#116;&#104;&#101; distinct probability that &#116;&#104;&#101;&#114;&#101; is &#111;&#110;&#101;, &#116;&#104;&#105;&#115; is &#104;&#111;&#119; I &#116;&#104;&#105;&#110;&#107; &#116;&#104;&#101; issue &#099;&#097;&#110; &#098;&#101; reduced to &#097;&#108;&#109;&#111;&#115;&#116; zero.</p>
<p>As an immigrant that patiently stood in line &#102;&#111;&#114; 10 years to become &#097; citizen &#111;&#102; &#116;&#104;&#101; United States. My tolerance &#102;&#111;&#114; &#116;&#104;&#111;&#115;&#101; that jump &#116;&#104;&#101; line, and who effectively &#097;&#114;&#101; committing &#097; felony by &#098;&#101;&#105;&#110;&#103; &#104;&#101;&#114;&#101; is: ZERO, NADA, ZIP, AUCCUNE, NOT &#097; BLOODY WIT!.</p>
<p>However &#121;&#111;&#117; &#119;&#097;&#110;&#116; to &#115;&#097;&#121; it, &#116;&#104;&#101;&#121; &#097;&#114;&#101; breaking &#116;&#104;&#101; law. &#116;&#104;&#101;&#121; MUST go &#098;&#097;&#099;&#107; to their home county, and apply &#102;&#111;&#114; visas to come &#098;&#097;&#099;&#107;. </p>
<p>As &#097; LEGAL immigrant, I &#119;&#097;&#115; constantly on guard to maintain an absolute compliance &#119;&#105;&#116;&#104; &#116;&#104;&#101; law at all times, (as I &#119;&#097;&#115; very aware &#111;&#102; &#116;&#104;&#101; privilege &#111;&#102; &#098;&#101;&#105;&#110;&#103; here). &#097;&#115; &#097; citizen I fully support &#116;&#104;&#101; rule &#111;&#102; law. </p>
<p>Yet I constantly hear &#111;&#102; illegal aliens &#098;&#101;&#105;&#110;&#103; arrested time and time again. </p>
<p>Is &#116;&#104;&#101;&#114;&#101; some sort &#111;&#102; &#8220;catch and release&#8221; program &#111;&#102; which I &#097;&#109; perhaps unaware? Is &#116;&#104;&#105;&#115; some kind &#111;&#102; sport &#116;&#104;&#101; &#118;&#097;&#114;&#105;&#111;&#117;&#115; levels &#111;&#102; police agencies play? </p>
<p>If &#116;&#104;&#101; present administration is able to circumvent &#116;&#104;&#101; laws to perform &#8220;extraordinary rendition&#8221; &#119;&#105;&#116;&#104; people &#102;&#114;&#111;&#109; &#111;&#116;&#104;&#101;&#114; countries, &#116;&#097;&#107;&#105;&#110;&#103; &#116;&#104;&#101;&#109; to foreign prisons &#102;&#111;&#114; &#8220;&#097; chat&#8221;, why &#097;&#114;&#101; &#119;&#101; unable to deal &#119;&#105;&#116;&#104; criminal aliens effectively within our own borders?</p>
<p>I &#100;&#111; not advocate &#097; door to door search in any &#119;&#097;&#121;, but &#105;&#102; &#116;&#104;&#101; basic reasons that most illegal aliens come &#104;&#101;&#114;&#101; &#119;&#101;&#114;&#101; to &#098;&#101; &#097;&#115; close to impossible to &#103;&#101;&#116;, (namely, shelter, work, medical care, education, &#101;&#118;&#101;&#110; &#097; driver&#8217;s lic.) most &#105;&#102; not all &#119;&#111;&#117;&#108;&#100; leave &#102;&#111;&#114; greener pastures.</p>
<p>For &#116;&#104;&#101; &#111;&#110;&#101;&#115; that remain, &#097;&#115; soon &#097;&#115; they&#8217;re detected, they&#8217;re deported. No &#098;&#105;&#103; deal &#109;&#097;&#100;&#101; &#097;&#098;&#111;&#117;&#116; it, simply arrest &#116;&#104;&#101;&#109; on &#116;&#104;&#101; spot, and quietly remove &#116;&#104;&#101;&#109; to an I.C.E. center &#102;&#111;&#114; deportation. </p>
<p>No contact &#119;&#105;&#116;&#104; &#116;&#104;&#101; outside world, and scoop &#116;&#104;&#101; rest &#111;&#102; &#116;&#104;&#101; family &#102;&#114;&#111;&#109; &#119;&#104;&#101;&#114;&#101; ever &#116;&#104;&#101; individual &#119;&#097;&#115; living (I don&#8217;t &#116;&#104;&#105;&#110;&#107; that it&#8217;s necessary to separate families, after all&#8230;&#116;&#104;&#101;&#121; came &#104;&#101;&#114;&#101; &#116;&#111;&#103;&#101;&#116;&#104;&#101;&#114;.)</p>
<p>No appeal, and no re-entry. Ever.</p>
<p>Harsh? &#111;&#104; yes, very harsh, but &#116;&#104;&#101; &#8220;Send me your tired, your poor, etc&#8221; on &#116;&#104;&#101; statue &#111;&#102; liberty, says nothing &#097;&#098;&#111;&#117;&#116; your felony committing illegal line jumpers.</p>
<p>Do it right, or don&#8217;t &#100;&#111; it. &#115;&#101;&#101;&#109;&#115; simple &#101;&#110;&#111;&#117;&#103;&#104; to me. I&#8217;d love to &#115;&#101;&#101; &#101;&#118;&#101;&#114;&#121;&#111;&#110;&#101; that comes &#104;&#101;&#114;&#101; &#115;&#101;&#101; &#116;&#104;&#101; fullest realization &#111;&#102; their dreams, all I &#097;&#115;&#107; is that &#116;&#104;&#101;&#121; &#100;&#111; it right, and legally.</p>
<p>M. Terry.&#8220;Government is not reason; it is not eloquence. It is force. And force, &#108;&#105;&#107;&#101; fire, is &#097; dangerous servant and &#097; fearful master.&#8221;~George Washington</p></p>
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		<title>Stepmother of dismembered girl charged with bigamy</title>
		<link>http://401kirawealth.com/2012/05/15/stepmother-of-dismembered-girl-charged-with-bigamy/</link>
		<comments>http://401kirawealth.com/2012/05/15/stepmother-of-dismembered-girl-charged-with-bigamy/#comments</comments>
		<pubDate>Tue, 15 May 2012 15:30:16 +0000</pubDate>
		<dc:creator></dc:creator>
				<category><![CDATA[bigamy]]></category>
		<category><![CDATA[elisa]]></category>
		<category><![CDATA[warrants]]></category>

		<guid isPermaLink="false">http://401kirawealth.com/2012/05/15/stepmother-of-dismembered-girl-charged-with-bigamy/</guid>
		<description><![CDATA[STORY HIGHLIGHTS The disabled girl&#8217;s remains were found &#097;&#102;&#116;&#101;&#114; &#115;&#104;&#101; went missing in North Carolina They were found November 11, &#106;&#117;&#115;&#116; &#111;&#118;&#101;&#114; a month &#097;&#102;&#116;&#101;&#114; &#115;&#104;&#101; was reported missing Authorities &#115;&#097;&#121; the stepmother married Zahra&#8217;s father &#098;&#101;&#102;&#111;&#114;&#101; divorcing her previous husband (CNN) &#8212; The stepmother of a disabled girl whose remains were found &#097;&#102;&#116;&#101;&#114; &#115;&#104;&#101; [...]]]></description>
			<content:encoded><![CDATA[<p><img src="i.cdn.turner.com/cnn/2011/CRIME/01/19/north.carolina.bigamy/t1larg.zahra.gi.jpg" alt="t1larg.zahra.gi.jpg" width="640" height="360" border="0" style="float: left;clear: both;margin-top: 0pt;margin-right: 12px;margin-bottom: 12px;margin-left: 0pt"> <b>STORY HIGHLIGHTS</b>
<ul>
<li>The disabled girl&#8217;s remains were found &#097;&#102;&#116;&#101;&#114; &#115;&#104;&#101; went missing in North Carolina</li>
<li>They were found November 11, &#106;&#117;&#115;&#116; &#111;&#118;&#101;&#114; a month &#097;&#102;&#116;&#101;&#114; &#115;&#104;&#101; was reported missing</li>
<li>Authorities &#115;&#097;&#121; the stepmother married Zahra&#8217;s father &#098;&#101;&#102;&#111;&#114;&#101; divorcing her previous husband</li>
</ul>
<p><b>(CNN)</b> &#8212; The stepmother of a disabled girl whose remains were found &#097;&#102;&#116;&#101;&#114; &#115;&#104;&#101; went missing in North Carolina &#104;&#097;&#115; &#098;&#101;&#101;&#110; indicted &#111;&#110; a bigamy charge.</p>
<p>Elisa Baker, the stepmother of Zahra Baker, 10, is accused of marrying the girl&#8217;s father &#098;&#101;&#102;&#111;&#114;&#101; divorcing her previous husband, a Catawaba County court official said Tuesday.</p>
<p>The family made international news late last year &#097;&#102;&#116;&#101;&#114; the freckled-faced young girl went missing from &#116;&#104;&#101;&#105;&#114; home in Hickory, North Carolina.</p>
<p>The girl lost part of her left leg at age 5 and lost hearing in both ears while &#098;&#101;&#105;&#110;&#103; treated &#102;&#111;&#114; cancer.</p>
<p> <img src="i.cdn.turner.com/cnn/.element/img/3.0/mosaic/bttn_close.gif" width="58" height="23" alt="" border="0" style="float: left;clear: both;margin-top: 0pt;margin-right: 12px;margin-bottom: 12px;margin-left: 0pt"> <img border="0" alt="" height="120" width="214" class="box-image" src="/video/bestoftv/2011/01/04/exp.jvm.zahra.baker.allegations.cnn.640x360.jpg" style="float: left;clear: both;margin-top: 0pt;margin-right: 12px;margin-bottom: 12px;margin-left: 0pt">Father accused of dismembering child <img src="i.cdn.turner.com/cnn/.element/img/3.0/mosaic/bttn_close.gif" width="58" height="23" alt="" border="0" style="float: left;clear: both;margin-top: 0pt;margin-right: 12px;margin-bottom: 12px;margin-left: 0pt"> <img border="0" alt="" height="120" width="214" class="box-image" src="/video/crime/2010/12/01/ng.zahra.blood.found.hln.640x360.jpg" style="float: left;clear: both;margin-top: 0pt;margin-right: 12px;margin-bottom: 12px;margin-left: 0pt">Police: Blood in Zahra Baker&#8217;s home
<p>Police found Zahra&#8217;s remains &#111;&#110; November 11, &#106;&#117;&#115;&#116; &#111;&#118;&#101;&#114; a month &#097;&#102;&#116;&#101;&#114; &#115;&#104;&#101; was reported missing.</p>
<p>Elisa Baker was charged &#119;&#105;&#116;&#104; obstruction of justice &#097;&#102;&#116;&#101;&#114; &#115;&#104;&#101; admitted to planting a &#102;&#097;&#107;&#101; ransom note.</p>
<p>Documents released &#097;&#102;&#116;&#101;&#114; Zahra&#8217;s remains were found tell a grisly story.</p>
<p>The stepmother told police the girl was killed two weeks &#098;&#101;&#102;&#111;&#114;&#101; &#115;&#104;&#101; was reported missing, &#097;&#099;&#099;&#111;&#114;&#100;&#105;&#110;&#103; to search warrants.</p>
<p>She said the disabled girl&#8217;s body was dismembered and disposed of in various locations, documents &#115;&#104;&#111;&#119;.</p>
<p>A search warrant dated October 27 shows police were looking &#102;&#111;&#114; latex gloves used to dismember Zahra and trash bags used to store the remains.</p>
<p>No &#111;&#110;&#101; &#104;&#097;&#115; &#098;&#101;&#101;&#110; directly charged in the girl&#8217;s death.</p></p>
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