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Good an immeasurable and tremendous energy, the atomic energy of the spirit.

Traditional IRAs: savings vehicles with tax advantages

NRA and Utah Concealed Weapons Permit, Instructor CAll foR ClAss sChedUle

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Auctions on

C’mon, snow!

By Patrick Buchanan State Farm Agent


here are many ways for you to build a retirement nest egg. One of the more popular is the traditional Individual Retirement Account, or IRA. Tax deferral is one of the reasons for its popularity. Contributions to a traditional IRA may be deductible from your income, lowering the federal income tax for which you are responsible. Federal income tax on your IRA will be deferred until you begin taking withdrawals, usually when you have retired and may be in a lower tax bracket. Generally, you can qualify for a tax deduction if you are not an active participant in an employer-sponsored retirement plan. For 2011, if you are an active participant in a retirement plan, your deduction for contributions to a traditional IRA will be reduced (and then phased out) if your modified adjusted gross income (MAGI) is: Up to $89,000 for a full deduction; $89,000-$109,000 for a partial deduction for a married

couple filing a joint return or a qualifying widow(er). Up to $56,000 for a full deduction; partial deduction $56,000$66,000 for a single individual or head of household; or Less than $10,000 for a married individual filing a separate return. You must begin taking minimum annual withdrawals from your traditional IRA by April 1 of the year after the year you reach age 70 1/2. Taxable withdrawals will be subject to ordinary income tax rates. There are a number of options available to you when you open an IRA. Various investments may be used depending on factors such as your time horizon, risk tolerance, and other financial goals. Talk to a qualified financial professional to find out how you can take advantage of the tax benefits of a traditional twp IRA.

financial planning

About the Author

State Farm agent Patrick Buchanan is a fully licensed insurance agent and is a certified Registered Representative providing insurance and financial services.

briefs Zions becomes naming sponsor for TOTS Zions Bank will become the naming sponsor of the 15th annual Trailing of the Sheep Festival to be held Friday Oct. 7 through Sunday, Oct. 9, 2011 in the Wood River Valley of Idaho. “We are excited to partner with this premier cultural event honoring the arts, history and culture of the west,� said Rob Brough, executive vice

president of Marketing and Communications for Zions Bank. “For nearly 140 years, Zions Bank has been committed to being actively engaged in the communities we serve and helping to foster community spirit. This Festival exemplifies an exceptional degree of that spirit.�

Wednesday 1.26.11

Hidden inflammation By Glynis P. Buersmeyer CERTIFIED HOLISTIC HEALTH COUNSELOR AADP

A good way to check for inflammation is to ask your doctor to do a C-reactive blood test; levels will be elevated if there is ou may a problem. wonder Inflammation is what the a reaction from our big deal is about bodies to something inflammation. it doesn’t like, be it alWhen you feel a pain, lergens, toxins, foods, et an ache of some kind, cetera. We are living in you reach for the Advil, an unnatural world and Aleve, or some other our bodies are rebelling. anti-inflammatory, call it One way to combat this good, and go on with your environment is to focus daily tasks. on taking better care of A measure of inflamyourself and eliminating mation helps the body the irritants to lessen heal from injuries and your chances of disease. illnesses by increasing Glynis P. Here are a few things circulation to the injured Buersmeyer you can do to start: area, stimulating and Revise your diet by cutting enhancing the immune response. back on red meat and adding The problem arises when we are more vegetables and fruits. experiencing chronic inflamLimit or remove sugar. mation. Chronic inflammation Add omega-3s. acts like a slow-burning fire that Get a good night’s sleep. can spread and lead to serious Supplement with a high-quallong-term health problems. It has been linked to asthma, aller- ity multivitamin/mineral. Rebalance your immune sysgies, arthritis, and autoimmune tem with probiotics. diseases such as  rheumatoid Exercise moderately.  arthritis, inflammatory bowel Working with your doctor disease, eczema, lupus, MS, and health counselor will help thyroid disease and more. It apevaluate and direct you with pears connected to almost every your goals. Chronic inflammaknown chronic disease from tion and pain can be eliminated heart disease to cancer, diabeby remaining focused and taking tes, obesity, autism, dementia back your health! and even depression. twp Taking an anti-inflammatory for a chronic condition does not About the Author: make it go away. Dr Hyman, a Glynis Buersmeyer is a certified well-known doctor, says, “That’s health counselor having studied at like taking a lot of aspirin while the Institute of Integrative Nutrition in you are standing on a tack. The New York City. She teaches workshops, treatment is not more aspirin or cooking classes, and offers individual a strong immune suppressant, health and nutrition counseling embut removing the tack.�  If you, phasizing stress reduction. She can be reached at evolvinglifestyle@yahoo. in fact, want to cool the inflamcom. Phone: 208.720.7830, or visit her mation on a more permanent website @ basis, you must find the source.


to your


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January 26 with Health & Fitness  

a weekly entertainment paper serving the Wood River Valley and beyond