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Top Four Year-End IRA Reminders

 

Individual Retirement Accounts are an important way to save for retirement. If you have an IRA or may open one soon, there are some key year-end rules that you should know. Here are the top four reminders on IRAs from the IRS:

1. Know the limits.  You can contribute up to a maximum of $5,500 ($6,500 if you are age 50 or older) to a traditional or Roth IRA. If you file a joint return, you and your spouse can each contribute to an IRA even if only one of you has taxable compensation. In some cases, you may need to reduce your deduction for traditional IRA contributions. This rule applies if you or your spouse has a retirement plan at work and your income is above a certain level. You have until April 15, 2015, to make an IRA contribution for 2014.

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Save Twice with the Saver’s Credit

 

If you are a low-to-moderate income worker, you can take steps now to save two ways for the same amount. With the saver’s credit you can save for your retirement and save on your taxes with a special tax credit. Here are six tips you should know about this credit:

1. Save for retirement.  The formal name of the saver’s credit is the retirement savings contributions credit. You may be able to claim this tax credit in addition to any other tax savings that also apply. The saver’s credit helps offset part of the first $2,000 you voluntarily save for your retirement. This includes amounts you contribute to IRAs, 401(k) plans and similar workplace plans.

Rock in the New Year in Nearby London, Ontario

Rock in the New Year in Nearby London, Ontario

 

Still undecided as to how to ring in 2015? Looking for something the entire family will enjoy? Pack the car and head to nearby London, Ontario, for a Rockin’ New Year’s Eve celebration!

Taking place from 6 p.m. to midnight on Dec. 31 in beautiful Victoria Park (509 Clarence St., bordered by Central, Wellington, Dufferin and Clarence) this year's Rockin’ New Year’s Eve boasts an awesome entertainment lineup as guests welcome in 2015 with music, laughter and spectacular fireworks. This event is all about family and fun ... and it’s free!

BNHV to Host New Book Club, Plans Stained Glass Event

BNHV to Host New Book Club, Plans Stained Glass Event

 

Events focused on 19th century books and stained glass will take center stage during two January gatherings at Buffalo Niagara Heritage Village, 3755 Tonawanda Creek Road, Amherst.

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Travel Insurance

Soon you'll be on your way, taking that trip you've looked forward to for ages--but suppose something happens. If you get sick, lose your suitcase, or have to cut your trip short, will any of your existing insurance policies cover your expenses or reimburse you for your losses? If not, you might want to purchase travel insurance, which is available from insurance companies, travel agents, tour operators, and cruise lines.

If you can't make it after all or have to cut it short--trip cancellation/interruption insurance

You're ready to go, but the cruise line has gone under financially. Or perhaps you've arrived at your hotel only to be handed a telegram informing you that Uncle George is seriously ill and you must return home immediately. If your trip is canceled or cut short, will you be able to get any of your money back?

Eagle Scout Project Enhances the Mill Road Scenic Overlook

Eagle Scout Project Enhances the Mill Road Scenic Overlook

 

Thanks to the efforts of Quinn Schwab and members of Boy Scout Troop #238, the Mill Road Scenic Overlook has had a cleanup. For his Eagle Scout Service Project, Schwab led the cleanup of debris that was the last remnant of a long-ago farm dump that had been hidden in a ravine on the property. 

No Frills Buffalo Publishing Company Releases Autobiography by Figure Skating Champion Gary Visconti

No Frills Buffalo Publishing Company Releases Autobiography by Figure Skating Champion Gary Visconti

 

“Falling for the Win,” the autobiography of World Professional Figure Skating Champion, Olympian and skating coach Gary Visconti, has been released by No Frill Buffalo publishing company. Visconti, currently a resident of Sun City West, Arizona, is a native of East Detroit, Michigan.