If you were planning to do a “Roth IRA” conversion to keep your retirement savings permanently out of the hands of the IRS, you might want to get on it. The new tax bill on Capitol Hill is going to scrap these conversions for everybody after the end of the year—and, no, not just for those earning more than $400,000 a year. The bill “prohibits all employee after-tax contributions in qualified plans and prohibits after-tax IRA contributions from being converted to Roth regardless of income level, effective for distributions, transfers, and contributions made after Dec. 31, 2021,” reports the House Ways & Means Committee.
We use our phones for everything: looking up directions, surfing the internet, texting, and even the lesser-known function of making actual phone calls. Even though in our personal lives, true phone calls are going by the wayside, they are still a huge part of how we communicate in the workplace, and along with phone calls, so too, are workplace voicemails.

We know that the only way to live a blessed and happy life is to live out the Golden Rule. And we know that manners (from the Latin word for hand…how to handle something) give us mutually agreed upon best practices for putting the Golden Rule into practice in our everyday encounters. They also help us know what to expect from one another and set gracious boundaries.
Imagine listening to a voicemail from a salesperson who is just so excited about the message that their tone is now unnaturally high-pitched and energetic. Today, people aren’t fooled by that, and in trying to make the message more meaningful, this approach actually makes it less meaningful.