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10 Questions to Ask Before You Hire a Real Estate Agent

By Dorothy Denne

The Edge of a Bad Mood My Uncle Paul was my mother’s youngest brother. When I was a youngster, he was an English professor at Indiana State University in Terre Haute, Indiana. I remember one time we were visiting them when I was in around 5th grade. Uncle Paul said to me, "Dorothy Lou, do you know the difference between a pun and a fart?" I smiled. Mom frowned. I said, "No." He continued, "Well, a pun is a shift of wit. A fart is a whiff of …” He paused. I giggled. Fortunately for Mom's heart, he did not have to finish the sentence. I was reminded of that incident when I received the following in a forwarded e-mail. Enjoy. Puns for Educated Minds: How does Moses make his tea? Hebrews it.

Venison for dinner again? Oh deer! A cartoonist was found dead in his home. Details are sketchy. I used to be a banker, but then I lost interest. England has no kidney bank, but it does have a Liverpool. I tried to catch some fog, but I mist. I changed my iPod's name to Titanic. It's syncing now. Jokes about German sausage are the wurst. I stayed up all night to see where the sun went, and then it dawned on me. This girl said she recognized me from the vegetarian club, but I'd never met herbivore. When chemists die, they barium. I'm reading a book about anti-gravity. I just

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le, an IRA should be depleted when the heavens call. Using an IRA to transfer tax-deferred wealth to the next generation had become an unintended benefit. Then in 2010, the IRS lifted income restrictions for converting to a Roth IRA – essentially legitimizing this “back door” inheritance method. According to Forbes, after 2010 Traditional-to-Roth IRA conversions increased by 800 percent. With the flood gates opened, untaxed earnings flowed freely. It’s not unexpected that the government still wants to get its slice of your income – to pay for roads and schools and such. So someday, the folks in Washington may close this little loophole. Securities and Advisory Services offered through National Planning Corp. (NPC), member FINRA/SIPC, a Registered Investment Advisor. EH Financial Group, Inc. and NPC are separate and unrelated companies. NPC doesn’t offer tax advice. Please submit questions to emmy.hernandez@natplan. com or call (626) 943-8833

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Hello Emmy. I read on the internet that Roth IRAs are “magical” tools for passing money to my heirs and that I should convert. Is this just sorcery? the time you convert, then money could possibly be lost. The ideal circumstance is this: If your tax rate during the conversion process is lower than your beneficiary’s tax rate during distribution. In this case, using a Roth IRA as an inheritance vehicle can make good sense. Taxation shouldn’t be your only consideration. Having greater distribution control is another positive factor. Keep in mind that distribution rules and tax rates may change in the future. Even the benefits of the best laid plan can vanish with a wave of Congress’s magic wand. In fact, a proposed 2016 budget – that was not enacted - intentionally chipped away at benefits found from Roth conversions. Fewer and fewer American companies provide strong retirement benefits for their employees. In 1974, the federal government devised Individual Retirement Accounts to counter the effects of this trend. IRAs offer significant tax advantages that encourage workers to save money early to help avoid looming poverty in their old age. When everything goes according to Hoy-

entitled “10 questions to Ask Before You Hire an Agent”. To order your copy of this FREE Special Report, call toll-free 1-888-3004632 and enter 1006. You can call any time, 24 hours a day, 7 days a week. Get your free special report NOW to find out the questions the others would prefer you never ask!

(626) 574-2154

BY Emmy Hernandez Certified Financial Planner® Practitioner, Attorney at Law

S o r c e r y, conversion what loaded metaphors. Roth IRAs do offer several significant advantages over Traditional IRAs, but it’s good to avoid magical thinking. Roths aren't always the best method to pass down wealth. However, when funded at the right time and if left to a much younger beneficiary, a Roth IRA can indeed be a useful tool for transferring wealth to the next generation. All things being equal, inheriting a Roth IRA over a Traditional one is a big boon for the receiver. Uncle Sam gets nothing and your loved one keeps all the money. But if you’re considering converting from a Traditional to a Roth IRA for the purpose of passing it on, there are important variables to factor in: namely, tax brackets – both yours and your heir’s. If the tax rate you’ll pay at the time of conversion is roughly equal to the tax rate your heirs would pay when they take their distributions, there’s probably an advantage in converting. If the beneficiary’s future tax rate ends up lower than yours at

dollars. A new report has been released by industry insiders that offers the exact information you need. In this FREE special report, we provide you the specific questions you should be asking to ensure that you get the best representation for your needs. Before you hire any real estate agent, call and get your copy of this FREE Report

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can't put it down. I saw a theatrical performance about puns. It was a play on words. I didn't like my beard at first. Then it grew on me. Did you hear about the cross-eyed teacher who lost her job because she couldn't control her pupils? When you get a bladder infection, you know urine trouble. Broken pencils are pretty much pointless. What do you call a dinosaur with an extensive vocabulary? A thesaurus. I got a job at a bakery because I kneaded dough. Velcro - what a rip off! And finally -- All the toilets in Arcadia's police station have been stolen. As of now, it appears the police have nothing to go on.

San Gabriel Valley – Not all real estate agents are the same. Before you seek the help of an agent when selling or buying your next home, you will need some good information before you make any decisions. Choosing a real estate agent is one of those critical issues that can cost you thousands, or save you thousands of

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2015 06 25 sierramadre