Q.: What is an in-plan Roth conversion?A. : The Deferred Compensation 457(b)/401(k) Plans of the City of New York offer two methods of investing for retirement: pre-tax and/or after-tax. The pre-tax investor does not pay tax on the contributions. Contributions and earnings on those contributions grow tax-deferred. All withdrawals, however, are taxed at ordinary income-tax rates.
Who will inherit your pre-tax IRA? Most elect their spouse. The surviving spouse then makes the decedent’s IRA his or her own. The surviving spouse need not make any withdrawals until he/she attains age 70½, when taxable Required Minimum Distributions (RMDs) kick in.Prior to age 70½, he/she has the flexibility to withdraw any amount at will, and pay the appropriate tax. Should your spouse inherit your Roth IRA, he/she need not make any withdrawals at all during his/her lifetime.
How do you plan to pay for post-retirement long-term care/medical expenses? You may be thinking that you will use your pre-tax retirement investment account. This is quite common. But is it a good strategy?Example: Let’s assume you have $500,000 in your pre-tax NYCE IRA and you have medical/health-care bills of $100,000. The $100,000 debt is paid with after-tax dollars, so your taxable withdrawal from your IRA needs to be larger than your $100,000 debt. Assume a tax of $40,000.
Muck Rack makes it simple to find people, tweets, or articles that mention any name, keyword, company, hashtag etc. We've compiled this guide to help you make the most of your search.
Selecting a term
Start searching tweets, articles from media outlets, articles mentioned in tweets, journalists'
names, titles and bios with some suggested searches:
Companies or Topics (e.g. iPhone, Microsoft)
Phrases (e.g. "cloud computing") — use quotes to keep the terms together
Twitter handles (e.g. @username) — returns those who have mentioned or replied to
Names (e.g. "David Pogue")
Hashtags (e.g. #sxsw, #london2012)
Bio details (e.g. vegan, Olympics, father)
Muck Rack's Advanced Search allows for many boolean operators.
Find results that mention multiple specified terms, use AND or
+. For example, ensure each result contains both Elon Musk and Mark Zuckerberg by
searching Musk AND Zuckerberg or Musk + Zuckerberg.
Use the operators OR or , to broaden your search when you'd like either of
multiple terms to appear in results. (This is the default behavior of our search when no operators
are used). For example, results will contain either cake or cookie by searching cake OR cookie or cake,cookie
Use NOT or - to subtract results from your search. For
example, searching Disney will yield results about the Walt Disney Company as well as Walt Disney
World Resort. To exclude mentions of Disney World, search for Disney -World or Disney
When using one of these operators with a phrase, enclose it in quotation marks. For example, you can
find results about smartphones excluding Apple's iPhone 4S by searching smartphone -"iPhone
Exact case matching or punctuation
If you're searching for a brand name or keyword that relies on specific punctuation marks or capitalization, you can
find results that match your exact query by adding matchcase: before the keyword you're searching for, like matchcase:E*TRADE .
Use parentheses to separate multiple
boolean phrases. For example, to find journalists talking about having fun in Disney World or
Disneyland, search for ("disney world" OR disneyland) AND fun.
An asterisk can be used to search for any variation of a root word truncated by the asterisk. For example, searching for admin* will return results for administrator, administration, administer, administered, etc.
A near operator is an AND operator where you can control the distance between the words. You can vary the distance the near operation uses by adding a forward slash and number (between 0-99) such as strawberries NEAR/10 "whipped cream", which means the strawberries must exist within 10 words of "whipped cream".