0 jili casino login Paid non-client promotion: Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate investing products to write unbiased product reviews. You can open a Roth IRA at banks, credit unions, online brokerages, and through robo-advisors. Diversify your Roth IRA portfolio with stocks, bonds, ETFs, and mutual funds. Choose both hands-on and hands-off methods for managing your Roth IRA. Individual retirement arrangements ( IRAs ) are powerful long-term savings vehicles that are considered among the best retirement plans for preserving and growing wealth. Anyone with an income can open an IRA in addition to or as a replacement for a 401(k) plan. There are several types of IRAs, but a Roth IRA stands out for its robust tax advantages, withdrawal flexibility, and high earning potential. The best Roth IRA accounts are available through online brokerages, banks, and other financial institutions. A Roth IRA is funded with post-tax income — money you've already paid income taxes. Because of this, withdrawals in retirement are not subject to taxes. This makes these accounts a smart option if you expect to be in a higher tax bracket during retirement than you are today. Unlike traditional IRAs, Roth IRA contributions are not tax-deductible. Are you considering starting a Roth IRA to reach your retirement goals? Here's how to get started. Steps to prepare to open a Roth IRA Consider various factors before opening a Roth IRA, such as your eligibility and goals. While there are no age requirements for opening a Roth IRA, you must have earned income within the year to contribute. Contributing to an IRA from a young age is a great way to gradually increase your savings with long-term investment opportunities and the power of compound interest. Roth IRA contributions have income limits. For single tax filers in 2024, your modified adjusted gross income (MAGI) must be less than $161,000 to be eligible for at least a partial contribution. If you're married and filing jointly, your combined MAGI must be less than $240,000. For at least eligibility for a partial contribution, your MAGI must be below $165,000 in 2025. Married couples filing jointly must make less than $246,000 in 2025 Read more on Roth vs. traditional IRA s » You can contribute up to $7,000 to a Roth IRA in 2024 and 2025. If you're 50 or older, you can contribute an additional catch-up contribution of $1,000. A few IRA providers offer an IRA match (typically between 1-3%), which works similarly to a 401(k) employer-match contribution. The brokerage or bank will match up to a set percentage for every dollar you contribute toward your Roth IRA. IRA-match contributions don't count toward your annual limit. Make sure you have the following documentation and information to open a Roth IRA: A copy of your government-issued ID, such as a driver's license or passport Your personal information, including your name, phone number, address, date of birth, and Social Security number Details on your beneficiaries or whom you'd like to inherit the account when you die Your preferred contribution method Banking information (if you want to fund the account with an electronic transfer) or information on your other 401(k) or IRAs (if you're doing a rollover) Choosing the right financial institutions To select the best financial institutions to open an IRA, consider the following: The first step to opening a Roth IRA is to choose what type of institution you'll open your IRA through. There are many options to choose from, including: Banks: Most banks offer traditional and Roth IRAs to their customers. Sometimes, banks require an existing checking or savings account before you can open an IRA with them. Having your IRA and bank account on the same platform makes contributing retirement savings simple. However, you may not get access to as many investment opportunities or trading features. Credit unions: Opening a Roth IRA through a credit union is only recommended for pre-retirees looking to invest a significant portion of their retirement savings into high-yield CDs. However, credit union IRAs are more limited regarding investment options and brokerage services. Online brokerage: Suitable for passive or active investing strategies. Brokerages offer full-service management and may have a wider selection of investments. If you want the most economical option, consider looking for brokers with low or no account fees and various commission- and fee-free investment options. Robo-advisors: Generally best for a hands-off investing approach. The best robo-advisors come with low management fees, risk-based investment options, automatic portfolio balancing, and other perks. Robo-advisors can often be managed using an online dashboard. Not all IRA accounts are built the same. Some IRA offerings are objectively better than others. Don't open your Roth IRA with the first financial institution you stumble across. Instead, review factors such as: Fees and commissions Investment options Customer service Account minimums Investment strategies Trustworthiness Avoid basing your decision entirely on fees or commissions. While choosing an affordable solution is important, other factors should also play a role, including your tech-savvy level, investment know-how, the institution's investing minimums, and the service it's known for. "Consider the overall service you'll be receiving," says Heather Welsh, CFP and senior vice president of wealth planning at Sequoia Financial Group . "While robo-advisors are generally inexpensive, your level of comfort with technology might suggest taking a different direction and talking with your bank or financial advisor." Opening your Roth IRA account Opening an account is usually pretty simple and can often be done easily online or through your brokerage. The exact process will vary. "How you open an account will depend on your selected IRA provider or advisor," Welsh says. "If you take the do-it-yourself approach, you can likely do it online. If you work with a bank or advisor, you will be provided with forms to open the account, either electronically or in hard copy, depending on their processes and your preferences." Whether doing the opening process online or in person, ensure you have all the necessary documentation and information. Once your IRA has been established, you can begin making contributions. Link a bank account: You may be able to link your bank account and directly transfer funds. "As a general rule, I'd say the more you can add to your retirement funds, the better off you'll be in the future," says Scott Staton, RICP and founder of Staton Financial Group . Rolling over funds from a 401(k): If you roll funds over from a 401(k) or another retirement, you'll also have some forms to fill out. The best rollover IRAs send the money directly to your new IRA account. Others may send you a check, which you must deposit into the new IRA yourself. Typically, the whole process takes anywhere from two to four weeks. Rolling over funds from a traditional IRA: If you roll over funds to a traditional IRA, you won't need to pay taxes on the funds until you start making withdrawals. If you roll over funds to a Roth IRA, though, you'll owe taxes on the rolled-over amount when you file your annual returns. Rollover check: If you receive the rollover check directly, make sure to deposit it quickly. If you fail to deposit your rollover funds within 60 days, it will qualify as a withdrawal and could mean a penalty if you are not of retirement age. Selecting investments for your Roth IRA After you've funded your account, you can begin investing. "One important thing to understand is, an IRA isn't an investment, nor does it pay a particular rate of return," Staton says. "What determines the rate of return and level of risk of an IRA are the investment choices you make within it." There are many investment options, including: Stocks: Stocks allow you to purchase ownership shares of publicly traded companies. Bonds : Bonds are debt securities that offer money to investors and, often, the government. They're one of the lowest-risk investments you can make. Mutual funds: Mutual funds are investment pools made up of many different investments. They're managed professionally, and individual consumers can buy shares in the fund. Index funds: Index funds are stock portfolios that aim to match the returns of a specific market index, such as the S&P 500. ETFs: Exchange Traded Funds, or ETF s, are baskets of securities that track an index, like the S&P 500 — similar to index funds. These can be traded throughout the day on the stock market. Target-date funds : Target-date funds operate with a certain retirement year in mind. As you approach that date, the investments shift, reducing your risk and exposure to loss. You don't have to choose just one type of investment. You can — and should — diversify your portfolio with investments in several types of securities. Portfolio diversification reduces your exposure to risk. One way to easily diversify your portfolio is with low-cost ETFs. Understanding how risk and volatility affect your investment portfolio is crucial to reaching your investment goals and protecting your savings. Riskier asset classes are appealing because they offer the potential for higher returns. You can review the historical returns of different asset classes to see the level of risk and volatility involved. A general rule of thumb is that you should gradually invest in less risky investments as you near retirement age. Investing in a Roth IRA is no different. Younger investors, such as those in their 20s and 30s, have more time to recover from any significant losses than investors in their 50s. Your personal preference, retirement goals, and estimated retirement age may also affect the level of risk you take in your portfolio. Consult a financial advisor to help you allocate your Roth IRA assets according to your needs. Managing your Roth IRA Like any investment account, Roth IRAs require ongoing review and management to ensure you're on track to meet your retirement goals. You can manage your Roth IRA by regularly monitoring your portfolio's investments and rebalancing as you see fit. Since retirement saving is a long-term investment strategy, this doesn't mean checking every day — once or twice a year should be enough. Otherwise, you may get distracted (or scared) by natural fluctuations in the market. Some people use a Roth IRA as a tax-advantaged savings account or emergency fund since you can withdraw your original contributions (not including the growth) penalty-free at any time. However, leaving the funds in your account alone for as long as possible is the best practice to build long-term wealth and get the maximum benefit of compound interest. Talk to a financial advisor or Certified Financial Planner if you're unsure or need guidance. They can provide advice personalized to your exact goals and finances. Roth IRA FAQs The steps to start a Roth IRA are determining your eligibility, deciding how much to contribute, gathering the necessary documents, choosing financial institutions, opening your account, selecting investments, and managing your IRA effectively. You can contribute up to $7,000 to a Roth IRA in 2024. Individuals aged 50 and older can make an additional $1,000 catch-up contribution for a total contribution of $8,000. You can hold various types of investments in a Roth IRA, including stocks, bonds, mutual funds, ETFs, and target-date funds. The right mix depends on your risk tolerance and investment horizon. Experts recommend diversifying your retirement portfolio with different asset classes to mitigate risk and volatility. Yes, there are income limits for contributing to a Roth IRA. These limits vary based on your tax filing status and modified adjusted gross income (MAGI). To qualify, single filers must make below $161,000 annually. If you're married and filing jointly, your combined MAGI must be under $240,000. Yes, you can open a Roth IRA online. The process is typically straightforward and can be completed in a few steps, including filling out an application, setting your goals, and funding your account. Credit cards Investing apps Retirement savings Cryptocurrency The stock market Retail investing

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Cardinals' Kyler Murray faces Patriots for 1st time since his ACL injury against them 2 years agoRegardless of what the scoreboard says at the end of four quarters of football on Thursday, the Dallas Cowboys will get to have a delicious and substantial Thanksgiving dinner with friends and family. But that shouldn't be the only thing they get to feast on tomorrow when they face the New York Giants. Why? The Cowboys should be able to devour a weak Giants' offensive line that will be protecting third-string quarterback Drew Lock at AT&T Stadium. You see, the Giants are coming into this one with the 21st offensive line in pass block win rate. Pro Football Focus ranks them as the 23rd best pass blocking team in the league. Just last weekend, they allowed four sacks against the Tampa Bay Buccaneers, looking particularly vulnerable versus the blitz, which they faced in over half of Tommy DeVito's dropbacks. With Micah Parsons back in the lineup, the Cowboys' pass rush has recovered some of its old form, as the star defensive end has been productive upon his return. Last Sunday, he was responsible for two sacks and stood out from a defensive tackle alignment in obvious passing situations paired with timely linebacker blitzes from Eric Kendricks and DeMarvion Overshown. Additionally, Zimmer wasn't afraid to send defensive backs after the quarterback, sometimes doing multiple at a time versus the Commanders. Jourdan Lewis and Donovan Wilson combined for six pass rush snaps on Sunday and they should be busy on Sunday as well. The Tampa Bay Buccaneers were quite successful with nickel blitzes against the Giants, including the rep below where they sent two defensive backs after the quarterback. Mike Zimmer is going to get blitz-happy versus the Giants tomorrow. Expect some pass rush action for Cowboys DBs as well, worked out great for the Bucs several times. Here's a double DB blitz: pic.twitter.com/77ShebKtIg And it wasn't just the blitzes. The Giants got completely dominated by the Bucs upfront, which led to a lopsided game that ended 30-7. I am not sure it's fair to trust the Cowboys to get a blowout against a divisional foe but on Thursday, I expect the Cowboys' defensive front to be quite successful against the Giants OL. Additionally, it's hard to forget Mazi Smith's best game of his career came against the Giants, particularly when matched up against center John Michael Schmitz Jr., who had a bad time matched up against Bucs DL Vita Vea . One week after shutting down the Commanders offense for most of the game, I expect Dallas to devour the Giants offensive line. The question will be if a banged up secondary will be able to hold down Malik Nabers , who caught 12 passes for 115 yards in Week 4 against the Cowboys. Or if the Cooper Rush-led offense will be able to be successful. It should be a close one even if it's not the most exciting matchup of the day for NFL fans. Gobble, gobble! This article first appeared on A to Z Sports and was syndicated with permission.

GLENDALE, Ariz. (AP) — Kyler Murray was driving to the Arizona Cardinals' practice facility Wednesday when he realized that it had been almost exactly two years since he tore the ACL in his right knee in a game against the New England Patriots. Then another thought crossed his mind: It was the Patriots who were coming to town this Sunday for the first time since the injury. “Yeah, it’s a little weird,” Murray said with a wry grin. "I will try not to have that happen again.” The injury on Dec. 12, 2022, cost Murray roughly 11 months of his career, but he has been healthy this season. And now the Cardinals (6-7) are clinging to playoff hopes when they host the Patriots (3-10) on Sunday. Both teams have lost three straight games. The Patriots are coming off their bye week and haven't played since a 25-24 loss to the Indianapolis Colts on Dec. 1. The Cardinals are trying to move past a brutal 30-18 loss to NFC West rival Seattle which knocked them into a tie for last place in the tightly packed division. Murray is coming off one of his worst games since the injury, throwing two interceptions that each eventually lead to touchdowns for Seattle. It was a rare blemish on an otherwise solid season — he has thrown for 2,862 yards, 15 touchdowns and eight interceptions. Now the Cardinals are pretty much in must-win territory. “For us, all we can do is control what we can control and that’s this weekend,” Murray said. "Today, tomorrow, go out there on Sunday and play good football.” The Cardinals' defense needs a better performance after giving up 409 total yards to Seattle last week, including 176 yards on the ground. Tightening against the run game is particularly important against New England's rookie quarterback Drake Maye, who's averaging 9.1 yards per rush on 38 attempts. The highest rushing average for an NFL quarterback in a single season is 8.5 by Michael Vick in 2006, when he had 123 rushing attempts for 1,039 yards with Atlanta. Maye's far from one-dimensional. He has thrown for at least 220 yards in each of the past three games, improving rapidly. The Patriots took Maye with the No. 3 overall pick out of North Carolina. “Yeah, I think he’s grown since he’s been playing,” coach Jonathan Gannon said. “I think he’s playing probably his best ball right now, probably just because of the experience. So definitely his skillset jumps out. You can see why he was taken so high. He’s a good player and he is ascending.” New England offensive lineman Cole Strange has a new haircut and could make his season debut, possibly at a new position. Strange, who usually sports curly locks, returned from the Patriots’ bye week with a buzz cut. It could coincide with a possible switch to center after he was activated this week, making him eligible to see his first game action since suffering a season-ending knee injury in 2023. A 2022 first-round pick, Strange started 10 games at left guard last season before being placed on injured reserve. Strange has been working at both left guard and center since he returned to practice Nov. 20 and could see his first NFL snaps at the latter position. Longtime Patriots center David Andrews had season-ending shoulder surgery in October. Ben Brown has started the last eight games at center. Murray said the Cardinals can't take the Patriots lightly despite their mediocre record. He compared New England to where Arizona was at last season, when the team was out of the playoff race but playing some good football down the stretch. Murray was particularly complimentary of Patriots cornerback Christian Gonzalez, saying he was a “big fan.” Both players are Texas natives. “We were kind of in a similar situation as them, then went on the road to Pittsburgh, Philly and (won),” Murray said. "They’re going to come in here and play hard. We understand that and we have to be ready to go.” The Patriots have already been eliminated from playoff contention, but it didn’t stop Maye from spending part of his bye week watching matchups between teams that are still jockeying for postseason position. The reason? He wanted to get a glimpse — even if from afar — of the common traits of the teams still playing meaningful games at this time of the season. “Especially when you haven’t felt it,” Maye said. “I haven’t really experienced a playoff game. You always hear about what it’s been in the past here at the playoff games and the environment here in Gillette ... and watching Tom (Brady) and those guys duke it out. Those runs they had were special. I think you want that feeling and those guys in the locker room, some of them had it. A lot of us young guys haven’t.” Maye hopes it serves as motivation going forward. “I think we’re striving for that and can use these last four games as a challenge and as a step to, ‘Hey, what we have and what we got here on this team and who can help us and who can make some plays?’” he said. AP Sports Writer Kyle Hightower contributed to this story. AP NFL: https://apnews.com/hub/NFL Copyright 2024 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed without permission.