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Let the zodiac guide you to your next pair by checking which style shares your sun sign (and rising sign!) below.
— Read on www.warbyparker.com/eyeglasses-horoscope
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Catch up on the latest in baseball with MLB’s podcasts including MLB Morning Lineup, MLB Pipeline, MLB Network’s Play Ball and more.
— Read on www.mlb.com/fans/podcasts
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Hometalk. The world’s largest online community of home and garden DIYers, where you can find tons of how-to’s, ideas and advice to create the home you love.
— Read on www.hometalk.com/
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Hometalk. The world’s largest online community of home and garden DIYers, where you can find tons of how-to’s, ideas and advice to create the home you love.
— Read on www.hometalk.com/
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(23) And he saith unto them, Ye shall drink indeed of my cup, and be baptized with the baptism that I am baptized with: but to sit on my right hand, and on my left, is not mine to give, but it shall be given to them for whom it is prepared of my Father.
(6) He that saith he abideth in him ought himself also so to walk, even as he walked.
King James Version Change email Bible version
If we, as the elect of God, believe in “Christ crucified” and all that it entails (I Corinthians 1:23), then we must recognize the need for suffering and trial—to drink of the cup that God has prepared for each of us just as He did for our Savior. The apostle Peter encourages us that, if we partake in Christ’s sufferings, it will be well worth the effort at His return (I Peter 4:12-13).
We should also realize that in comparison to what was required of Christ, our cup of burden will pale in magnitude; we will only be drinking from the cup He had to empty (Matthew 11:30; Romans 12:1). While these two verses should not be taken to mean that our burdens will be undemanding, we should always keep our personal sufferings in perspective by remaining aware and appreciative of the staggering effort required for our Creator and Savior to make the sacrifices he made.
— Martin G. Collins
To learn more, see:
The Miracles of Jesus Christ: Healing Malchus’ Ear (Part Two)
Cup as Metaphor of Divine Punishment
Jesus Christ’s Miracles : Healing of Malchus’s Ear
Miracles of Christ: Healing Malchus’s Ear
Commentary copyright © 1992-2026 Church of the Great God
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The IKEA Winter Sale is here! Shop our biggest seasonal savings now through January to start the new year off right.
— Read on www.ikea.com/us/en/campaigns/winter-sale-pub6e2bb7c0/
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Retirement ReportsRetirement Articles
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For many people, reducing taxes is the easiest, fastest way to increase investment returns, put a retirement plan back on track, beat inflation and enhance retirement security.
Retirees and pre-retirees often leave a lot of money on the table for the IRS to scoop up because they don’t execute the key tax reduction strategies that can save thousands of dollars or more.
The prime beneficiaries of such strategies are those with significant balances in traditional IRAs or 401(k)s.
Congress provides a lot of tax breaks to encourage people to accumulate as much money as they can in tax-deferred accounts. Those tax breaks are only a mortgage.
You pay the mortgage when taking distributions from the accounts. The key is to pay those taxes at the lowest rate possible.
That’s where these strategies come in.
1. Break the #1 tax rule.
The first tax strategy most people are taught is: don’t pay a tax until you have to. In other words, maximize tax deferral. That was a good strategy when it was developed, but things have changed.
There are many reasons taxes are more likely to increase in the coming years than stay the same or decline. The federal debt and annual deficits increased dramatically the last few years.
And, as you well know, Social Security and Medicare have solvency problems.
In addition, many people don’t realize that even without tax increases their tax bills are likely to increase during their 70s and beyond because of the Stealth Taxes.
Consider paying some taxes before you must, because today’s rates are likely to be lower than future rates.
That’s especially true if your goal is to leave at least part of your tax-deferred accounts to your children or other loved ones. They’ll owe the income taxes.
The best time to consider this strategy is during the “bridge years,” the years after most people stop working and before required minimum distributions (RMDs) from IRAs and 401(k)s begin after 72.
In the bridge years, many people haven’t claimed their Social Security benefits. The bridge years aren’t the only time to consider paying some of those deferred taxes. But that’s when the greatest tax benefits are likely.
Look for opportunities to draw down tax-deferred accounts at fairly low rates today instead of leaving your accounts as targets for Congress and the Stealth Taxes.
2. Reduce future required minimum distributions.
When you have a substantial IRA or 401(k) plus other assets and sources of income, RMDs are a trap, a kind of tax time bomb. Most people in this situation distribute only the minimum required. But once RMDs kick in, the percentage of the account you must distribute each year increases.
Leaving money in the account when you’re younger and letting it grow sets you up for higher tax bills in your 70s and beyond.
You are likely to owe more taxes on Social Security benefits and have to pay higher premiums for Medicare Parts B and D. Multi-year tax planning instead of year-to-year planning often shows the benefits of drawing money from tax-deferred accounts before you must.
A simple strategy is to distribute enough from tax-deferred accounts to bring you to the top of your current tax bracket.
3. Invest the after-tax amount in a taxable account.
There’s little risk you’ll pay higher lifetime taxes this way and a good likelihood they’ll be reduced. Convert traditional retirement accounts. An alternative or additional strategy is to convert part of a traditional IRA to a Roth IRA.
Future distributions to you and your heirs will be tax free.
Beneficiaries don’t have to take distributions for up to 10 years after inheriting them, so the balance can continue to compound tax free for that long.
There are no RMDs for the original owner of a Roth IRA. You pay the taxes when the conversion is made, which is at a time that’s good for you, instead of after age 72 on a schedule determined by the IRS. A conversion also is a good estate planning strategy.
You pay the taxes for your heirs. Otherwise, they’d have to pay taxes on distributions after inheriting a traditional IRA or 401(k).
4. Reposition the IRA.
Sometimes the way to maximize the after-tax value of a traditional retirement account for you and your heirs is to take distributions, pay the taxes and reposition the after-tax amount in a new vehicle.
Permanent life insurance has a cash value account that you can tap tax free if money is needed. But the main advantages of permanent life insurance are that the policy benefits are tax free to your beneficiaries and the minimum amount of benefits is guaranteed by the insurer.
The value doesn’t fluctuate with the stock market and might increase over time, depending on the policy you choose.
Brace yourself: A market collapse is nearly here. We’re talking a matter of days, not months. This is because Washington’s latest scheme will trigger a new round of misery. It will toss the markets like a leaf in a hurricane… while ripping and smashing away up to 30% of your retirement accounts.
It’s called America’s Judgement Day. And you must move fast to shield your life’s savings. So, I want you to have free access to my briefing which shows you simple and powerful steps to shelter your money and your family. Click here now before it’s too late.CLICK HERE…5. Give through qualified charitable distributions — QCDs.
When you’re charitably inclined and age 70½ or older, make at least some of your charitable contributions through qualified charitable distributions (QCDs).
A QCD is when money is transferred directly from a traditional IRA to a public charity (not a donor-advised fund, private foundation, charitable trust, or charitable annuity). The distribution is not included in your gross income for the year and counts toward your RMD, if you need to take one. QCDs are limited to $100,000 per taxpayer per year and can be made only from traditional IRAs.
6. Make charitable bequests from traditional retirement accounts.
When your estate plan includes charitable bequests, make them by naming charities as beneficiaries of your traditional IRA or 401(k). Don’t leave traditional retirement accounts to loved ones and give other assets to charities. Individuals who inherit traditional retirement accounts owe income taxes on distributions just as the original owner would have.
Beneficiaries really inherit only the after-tax amount. But a charity is a tax-exempt entity. It owes no taxes on distributions it takes as beneficiary of a traditional retirement account. Individuals receive bequests of other assets in your estate tax free. In addition, when they inherit appreciated investment assets, they increase the tax basis to the fair market value on the date you passed away.
There are no capital gains taxes on the appreciation that occurred during your lifetime. Making charitable bequests by naming charities as beneficiaries of your traditional retirement accounts maximizes your family’s after-tax wealth.
7. Name a CRT as beneficiary.
Suppose you want charity to benefit from part of your estate and want to benefit your children or other loved ones.
You’re also concerned about the spending or money management practices of one or more of your children. You want some limits on their discretion over the money.
With non-retirement assets, a good strategy would be to leave the assets in a trust for the children’s benefit. But a trust as IRA beneficiary creates some tax problems.
A good alternative is to name a charitable remainder trust (CRT) as beneficiary of the IRA. The IRA is distributed to the trust, which owes no income taxes on the distribution. The trust reinvests the distribution.
The CRT distributes income to its income beneficiaries (your children) for either a term of years or life, whichever you designate. They’ll owe taxes on the bulk of the income.
After the income period ends, the amount remaining in the trust goes to charities you named. If your estate is taxable, the estate receives a charitable deduction for the present value of the amount the charity is estimated to receive. To a better retirement,
Bob Carlson
Editor, Retirement Watch WeeklyEditor’s Note: What if you’ve worked hard all your life, paid your taxes and cared for your family, but have little saved for retirement? Well, thanks to a little-known loophole in the law, you can collect between $2,500 and $3,900 per month for the rest of your life, tax free, even if you currently have ZERO saved for retirement.
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Want More Retirement Advice?
Check out my website, RetirementWatch.com, where you’ll find hundreds of free articles covering every aspect of retirement planning.
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Did you know there are over 4,600 Walmart locations in the United States? A lot of us tend to do our weekly grocery shopping at Walmart because they boast an abundance of options, fair prices, and self-checkout for extra convenience. These days, we could all afford to save a dollar or two. Click here for 10 ways to get the most bang for your buck at Walmart.
Robert C. Carlson is the author of the books The New Rules of Retirementand Retirement Tax Guide, editor and investment director of the popular retirement newsletter, Retirement Watch, and editor of the free weekly e-letter, Retirement Watch Weekly. Bob is a frequent speaker at investment conferences around the country, and you can also hear Bob as a featured guest on nationally-syndicated radio shows, such as The Retirement Hour, Dateline Washington, Family News in Focus, The Michael Reagan Show, Money Matters and The Stock Doctor.
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