Tuesday, May 18, 2010

Finding a Retirement-Friendly State

Ah, retirement. The very sound ofstrat things up again the word is music to the ears of millions of older workers, especially those who will be financially prepared to stop working. No boss, no schedule, long days of leisure down in sunny Florida … or Arizona … or maybe California. Which state should you choose, anyway?my best friend Of course, there is no right answer to this question, but the state in which you choose to retire will affect how far your retirement dollars will go. Let's take a look at the types of I am in the worng worldtaxation levied by different states and how this can impact your financial well-being in your golden years.New York has stipulations for some government code technologyemployees to receive tax-free pension income, but not all retirees. These three states exempt virtually any kind of income received from tax-deferred accounts, including pensions, IRAs and qualified plans.
If your pension is from the government ornot only about survival the military, then seven more states open up for consideration: Alabama, Hawaii, Kansas, Louisiana, Massachusetts, Michigan and New York. If the aforementioned states do not appeal to you as retirement havens, seven others exempt at least a portion of pension income from taxation: Delaware, Georgia, Minnesota, New Mexico, Utah, Virginia and West Virginia.
States that tax all retirement income at relatively high rates include California, Connecticut, Nebraska, Rhode Island and Vermont. More complete information on how each state taxes their residents' pension income can be found at RetirementLiving.com
Retirees seeking relief from Social Security taxation at the state level have far more choices than those who do not want to pay taxes on their pension income. In addition to the nine income-tax-free states, as of 2008, there are 27 more (plus Washington D.C.) that exempt Social Security benefits from taxation. The remaining states all tax Social Security income to some degree, although several of them have imposed various types of limits that apply when calculating the amount owed on this income.


unreasonable. If you arrive at the audit with a large chip on your shoulder, you might make the auditor less willing to see things in your light. look at yourself
Provide only copies. Don't bring original documents to the audit. If you do bring originals, do not give them to the agent. Request that the agent make copies and give the originals back to you. Once you hand over your original documents, there's a very good chance that they will be misplaced or lost. Then you're the one holding the bag, since the IRS isn't responsible for documents lost in its possession. little boy
Stay on point. The auditor will be able to obtain some valuable information in what seem to be simple and friendly discussions. Asking about my softwarean expensive new car that you might have purchased, or that vacation to the Greek Isles, might give the auditor reason to believe that you're not reporting all of yourI miss my home income and thus expand the scope of the audit. When you meet with the auditor, in essence, you're providing testimony. So answer as many questions as possible with a simple from and go"yes" or "no" response. If you must expand or explain, keep it brief and very much to the point. Don't give the auditor a reason to expand the audit because of your tendency to ramble on.Know your rights as a taxpayer. Remember that an audit is like a small trial. It is an adversarial exercise. So while you can disagree without being disagreeable, you must know your rights, the audit process, and the law behind the deductions you are claiming. Settling any difference at the audit level is generally best, but if you can't come to an agreement, you have rights that allow you to request a conference with the IRS Appeals Division.
Be aware that appeals officers are even more senior than agents, with much more experience and knowledge behind them. If you're making a specious argument that the tax law doesn't support, the appeals officer will quickly shoot it down. However, if the issue is complicated and your argument is founded in tax law and court cases, the appeals officer can make quick work of the analysis -- and might just find in your favor.
Again, your best bet if you're audited is to retain the services of a qualified and experienced tax pro who can argue your case without passion or prejudice. Such a person already knows the most effective ways to help you quickly resolve a conflict with the IRS. Hiring such a person is not cheap, but quality services never are, and you could pay a lot more if you don't hire a professional and the audit doesn't go well. The tax code has become so complicated that you're unlikely to know the law as it applies to your tax return and your rights as a taxpayer. That's why a qualified tax pro can be worth every dollar of his or her fee.But again, for those of you who decide to go the do-it-yourself route, stick to the game plan we've discussed here. And if you ever decide to remove your own appendix, well, good luck with that, too.
his article was originally published on Oct. 13, 2006. It has been updated.When he's not dealing with tax issues, Fool contributor Roy Lewis is a motivational speaker who lives in a trailer down by the river. He understands that The Motley Fool is all about investors writing for investors. You can take a look at the stocks he owns, as long as you promise not to ask him which stock to buy. He'll be glad to help you compute your gain or loss when you finally sell a stock, though.Copyrighted, The Motley Fool. All rights reserved


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3. Leading for internal audit and preparing for management review reports periodically.4. Coordinating customer audit/survey and follow up customer CAR.5. Preparing for third party audit and escorting UL field representative to conduct on-site inspection.
6. Acting as a leader for new supplier qualification audit, setting up action plan for improvement and following up supplier’s corrective actions. nike running shoesnike running shoes
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10. Conducting QC 080000, GMP/FDA, NWQS training for relevant people.Achievements:Coordinate with Nypro China Quality Director and Corporate Quality Director for establishing Environmental Management System (ISO 14001), cGMP’s (Current Good Manufacturing Practices) and Nypro Worldwide Quality System (NWQS) for Nypro Shenzhen. Leading to establish Quality Management System for Medical Devices (ISO 13485: 2003) and Hazardous Substance Process Management System (QC 080000) for Nypro Shenzhen successfully. Detailed achievements as below:
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Thursday, May 6, 2010

President of Nigeria Dies After Long Illness

DAKAR, Senegal — President Umaru Yar’Adua of Nigeria, whose chronic ill health sapped initial promises of reform and led to a constitutional crisis in his country, died Wednesday night, the information minister said in a brief interview. He was 58.
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Afolabi Sotunde/Reuters
“He has died,” said the minister, Dora Akunyili, adding that Mr. Yar’Adua had expired at the presidential villa in the capital, Abuja.
Mr. Yar’Adua suffered from kidney and heart ailments, and his health had been one of the country’s top concerns for weeks, ever since he departed at the end of November for emergency treatment in Saudi Arabia.
He did not transfer power when he left. In the following months, Nigeria, already racked by low-level civil wars over oil and religion, was left in limbo. There was no center of authority, and a peace plan Mr. Yar’Adua had enacted for the violence-plagued oil-producing south seemed in danger of falling apart.
Mr. Yar’Adua, shielded by his wife and other supporters, did not appear in public and made no statements, apart from a few faltering words to the BBC in January from his hospital room. As public anger over the power vacuum grew amid fears that the country would revert to military dictatorship, the National Assembly reluctantly acted in February, handing power over to Mr. Yar’Adua’s vice president, Goodluck Jonathan.
Ever since, Mr. Jonathan has called himself merely the “acting president,” proceeding on the assumption — which few people among the country’s political class or media shared — that Mr. Yar’Adua would one day return to office. He was taken back to Nigeria in the middle of the night on Feb. 24, but was seen by no one outside his immediate circle. There were public demands that Mr. Jonathan meet with him, but there was no indication that he had done so.
Increasingly discounted as a political force, by virtue of his presence Mr. Yar’Adua placed an additional question mark over the presidency of Mr. Jonathan, a native of the rival southern half of Nigeria. That has now been removed.
Mr. Yar’Adua, a soft-spoken former governor from the country’s Muslim north, won a deeply flawed election in 2007 that included credible reports of fraud and ballot stuffing. Still, the election was seen as an advance in a vast, populous and resource-rich country that less than a decade before had been enduring a brutal military dictatorship.
Trained as a chemist, he was born Aug. 16, 1951, into a political family. His father became a minister soon after Nigeria gained independence, and his brother held a ranking post in a military government of the late 1970s.
Nigerians, keenly aware that their impoverished and wealth-stratified nation has not realized its potential, had hopes that Mr. Yar’Adua might help it do so. He promised to tackle a culture pervaded by corruption, improve the shaky to nonexistent electricity supply, and end the violence that crippled production of oil, Nigeria’s principal source of cash.
But his truncated presidency fell short on all three points. The leading anti-corruption official in the country was chased from office after vigorously pursuing high-level graft, including among Mr. Yar’Adua’s supporters. The lights continue to flicker on and off throughout the country. And the Niger Delta, although less incendiary than in some previous years, still experiences periodic flare-ups. The shadowy rebel groups in that region purport to fight under a banner that nonetheless remains as glaringly real as when Mr. Yar’Adua took office three years ago: Nigeria’s vast inequities in wealth. a date to me
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Who Can Mock This Church?

Maybe the Catholic Church should be turned upside down.
Jesus wasn’t known for pontificating from palaces, covering up scandals, or issuing Paleolithic edicts on social issues. Does anyone think he would have protected clergymen who raped children?
Yet if the top of the church has strayed from its roots, much of its base is still deeply inspiring. I came here to impoverished southern Sudan to write about Sudanese problems, not the Catholic Church’s. Yet once again, I am awed that so many of the selfless people serving the world’s neediest are lowly nuns and priests — notable not for the grandeur of their vestments but for the grandness of their compassion.
As I’ve noted before, there seem to be two Catholic Churches, the old boys’ club of the Vatican and the grass-roots network of humble priests, nuns and laity in places like Sudan. The Vatican certainly supports many charitable efforts, and some bishops and cardinals are exemplary, but overwhelmingly it’s at the grass roots that I find the great soul of the Catholic Church.
The Vatican believes that this newspaper and other news organizations have been unfair and overzealous in excavating the church’s cover-ups of child rape. I see the opposite. No organization has done more to elevate the moral stature of the Catholic Church in the United States than The Boston Globe. Its groundbreaking 2002 coverage of abuse by priests led to reforms and by most accounts a significant reduction in abuse. Catholic kids are safer today not because of the cardinals’ leadership, but because of The Boston Globe’s.
Yet the church leaders are right about one thing: there is often a liberal and secular snobbishness toward the church as a whole — and that is unfair.
It may be easy at a New York cocktail party to sniff derisively at a church whose apex is male chauvinist, homophobic and so out of touch that it bars the use of condoms even to curb AIDS. But what about Father Michael Barton, a Catholic priest from Indianapolis? I met Father Michael in the remote village of Nyamlell, 150 miles from any paved road here in southern Sudan. He runs four schools for children who would otherwise go without an education, and his graduates score at the top of statewide examinations.
Father Michael came to southern Sudan in 1978 and chatters fluently in Dinka and other local languages. To keep his schools alive, he persevered through civil war, imprisonment and beatings, and a smorgasbord of disease. “It’s very normal to have malaria,” he said. “Intestinal parasites — that’s just normal.”
Father Michael may be the worst-dressed priest I’ve ever seen — and the noblest.
Anybody scorn him? Anybody think he’s a self-righteous hypocrite?
On the contrary, he would make a great pope.
In the city of Juba, I met Cathy Arata, a nun from New Jersey who spent years working with battered women in Appalachia. Then she moved to El Salvador during the brutal civil war there, putting her life on the line to protect peasants. Two years ago, she came here on behalf of a terrific Catholic project called Solidarity With Southern Sudan.
Sister Cathy and the others in the project have trained 600 schoolteachers. They are fighting hunger not with handouts but with help for villagers to improve agricultural techniques. They are also establishing a school for health workers, with a special focus on midwifery to reduce deaths in childbirth.
At the hospital attached to that school, the surgeon is a nun from Italy. The other doctor is a 72-year-old nun from Rhode Island. Nuns rock.
Sister Cathy would like to see more decentralization in the church, a greater role for women, and more emphasis on public service. She says she worries sometimes that if Jesus returned he would say, “Oh, they got it all wrong!”
She would make a great pope, too.
There are so many more like them. There’s Father Mario Falconi, an Italian priest who refused to leave Rwanda during the genocide and bravely saved 3,000 people from being massacred. There’s Father Mario Benedetti, a 72-year-old Italian priest based in Congo who fled with his congregation when their town was attacked by a brutal militia. Now Father Mario lives side by side with his Congolese congregants in the squalor of a refugee camp in southern Sudan, struggling to get schooling for their children.
It’s because of brave souls like these that I honor the Catholic Church. I understand why many Americans disdain a church whose leaders are linked to cover-ups and antediluvian stances on women, gays and condoms — but the Catholic Church is far larger than the Vatican.
And unless we’re willing to endure beatings alongside Father Michael, unless we’re willing to stand up to warlords with Sister Cathy, we have no right to disparage them or their true church.
I invite you to comment on this column on my blog, On the Ground. Please also join me on Facebook, watch my YouTube videos videos and follow me on Twitter.Make New Friends
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