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.
For more general advice on voicemail messages, read our tips and examples for business voicemail greetings.

“Hello ___. This is ______ from _________. I’m calling because you requested information through [vendor] about [address of house]. I’m available right now to answer questions. I found a couple of other homes near the one you’re interested in, and they are similarly priced. Do you want to talk tonight? You can call or text me at ___________. I look forward to speaking with you and answering any questions. Again my number is ___________. Thank you!"
Not only do you sound more articulate and confident when you're not rushing to the finish line, but you also sound more authentic. Speaking in a rush suggests you've been dialing all day and need to be as efficient as possible. Yet if you're making three calls rather than 30, you're probably going to sound far more deliberate. A slow finish tells the buyer they're not just another name on a list.