And, how to save $40 on a Costco membership.
Created for {EMAIL} | [Web Version]( July 31, 2024
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[] INTRODUCTION
[] [Stepping Into Roth IRA Contributions](
I’ve been a fan of Roth IRAs since their inception in 1997. The idea that you could make after-tax contributions and have tax-free retirement income offered a welcome sense of relief from the financial uncertainties that underlie long-term investment. If you have or will have earned too much to contribute to a Roth IRA — all is not lost. My Kiplinger colleagues have [seven tips to help you qualify for Roth IRA contributions if you're just above the income cutoff (MAGI)](. We also have a last-ditch option you can use to contribute to a Roth IRA even if you can’t sufficiently reduce your income. - Donna LeValley, personal finance writer [Buy Shares in This Tech Company Pre-IPO](
Interested in investing in private companies in the tech sector, pre-IPO? Sign up on this platform to see these, and more investment opportunities. [Learn More]( ADVERTISEMENT: [] PLACES TO LIVE
[] [The 10 Most Expensive Cities to Live in the US](
The 10 Most Expensive Cities to Live in the US (Getty Images)
I was a kid when Lifestyles of the Rich and Famous premiered and Robyn Leach made “Champagne Wishes and Caviar Dreams” a catchphrase. It was my first introduction to luxury and excess. If that show were around now, it would feature homes from [the 10 most expensive cities in the U.S](. Keep reading to see how much more it costs to live in these cities and which place knocked Seattle out of the top 10. [] INHERITED IRAS
[] [New Final IRS Rules End Inherited IRA Confusion](
[New Final IRS Rules End Inherited IRA Confusion]( (Getty Images)
The IRS has finally clarified the controversial 10-year rule for inherited individual retirement accounts (IRAs). The long-awaited guidance is set to take effect in 2025 and brings a measure of certainty to those planning to bequeath a traditional IRA and to those who will inherit these IRAs. Here's [what you need to know about taking annual required minimum distributions (RMDs) from an inherited IRA and if you qualify for an exception](. [Tax Savings Tip for CRE Investing](
Investors and their heirs can benefit from this tax-friendly strategy. When investors sell the property for a profit, they can be hit with a hefty capital gains tax— unless they take advantage of a 1031 Exchange. [READ MORE]( ADVERTISEMENT [] BEST HOTELS AT ANY PRICE
[] [Hotels That Give the Best Value for Your Money, as Rated by Guests](
[Hotels That Give the Best Value for Your Money, as Rated by Guests]( (Getty Images)
U.S. travelers are taking fewer trips, but staying longer when they do travel. This changing dynamic of fewer, but longer stays is pulling the finer details of a hotel stay into sharper focus — and making customers more demanding. A recent survey revealed the biggest dip in customer satisfaction was in the upper midscale to economy categories. Before you book your next vacation, [use our list of hotels with the highest guest satisfaction ratings to find a comfortable stay at any price point](. [Start investing in minutes](
With automated tools like portfolio rebalancing and dividend reinvestment, Betterment helps make investing easy for you, and a total grind for your money. [Learn More]( ADVERTISEMENT [] OTHER KIPLINGER ARTICLES WE THINK YOU'LL ENJOY
[] [Save $40 on a Costco membership with this deal](
If you're interested in becoming a member, but the cost has been holding you back, the following deal can help you save $20 to $40. [$1,500 to $3,000 Amex card intro offer](
Earn 150,000 membership points with the Business Platinum Card from American Express — great for travelers and foodies. [How to create a retirement contingency plan](
Planning for the unknown in retirement might sound impossible, but you can manage it by breaking it down into these five components. [Build a Better Portfolio — Sign Up for Kiplinger's Free Investing E-Newsletters]( ABOUT KIPLINGER
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