The law waives the penalty if you arrange to take out "substantially equal periodic payments," or SEPPs, based on your life expectancy. You must take the withdrawals for five years or until you turn 59 ½, whichever comes later.
Thinkstock Lots of people fret about how much they have to pay Uncle Sam, but he's not the only tax man you have to worry about: Your state can squeeze you for plenty of taxes, too. State income taxes or property taxes could cost you thousands of dollars every year.
The Internet has given rise to a mobile workforce of telecommuters, independent contractors and entrepreneurs who can work where they want to live, instead of living where they have to work. But if you enjoy this kind of flexibility, proximity to ski slopes or beaches shouldn't be your only criteria in selecting a home state.
Lots of people fret about how much they have to pay Uncle Sam, but he's not the only tax man you have to worry about: Your state can squeeze you for plenty of taxes, too. State income taxes or property taxes could cost you thousands of dollars every year.
A revocable living trust can be a valuable estate-planning tool for people with fractious families, a complex estate or property in more than one state. Assets placed in a living trust go directly to your heirs when you die, bypassing probate. Promoters of living trusts often play up this advantage because probate can be lengthy and costly.
Americans don't agree on much, but on one issue there's broad consensus: The tax system is a mess. Nearly 60 percent believe the tax code is so flawed that Congress should overhaul it, according to the Pew Research Center. This discontent hasn't gone unnoticed by the presidential candidates.
First, the good news: The gender gap that has long put women at an economic disadvantage is closing. Women now graduate from college in higher numbers than men, and the pay gap narrows considerably (often to the point of disappearing) for men and women with similar educational backgrounds and jobs.
Your health care costs are likely to rise in retirement, posing a threat to your retirement security. Fidelity Investments estimates that a 65-year-old couple who retired in 2015 will spend $245,000 on health care in retirement. That's up 29 percent since 2005, reflecting rising medical costs and longer life expectancies.
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 Obama AND Romney or Obama + Romney.
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, search for democrat OR republican to find results that refer to
Democrats and/or Republicans.
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
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".