Convert (to a Roth IRA) Now, Before the Tax Man Cometh

Picture this: You're at the pearly gates of financial heaven, but instead of Saint Peter holding a ledger, you've got Uncle Sam with a calculator in his hand. Before you get in, he’s going to add up everything you owe. For those of you that have done a decent job of saving in your retirement accounts, the cost of entry may be a mighty cross to bear. But what if I told you there's a way to baptize now and avoid that hefty tax bill later?

A $1,000,000 Mistake Plus a Few Estate Planning Tips

A guilty pleasure from which I take some satisfaction is reading the r/Marriage subreddit (that's a message board on Reddit.com) in my nightly quest to reach the end of the internet. Normally, it is posts such as “I think my wife is having an affair with the cook at The Waffle House” that help me realize that I’ve probably got it pretty good in the marriage department. But occasionally, I’ll see a post or comment that is also excellent advice. That was the case recently when a widow from Texas posted, “Remembering the good times and sharing some advice for couples.”