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Apache is functioning normally

Posted on: May 2, 2019

Congratulations to Master Sergeant (Retired) Gerald D. Hansen, the winner of The MilitaryVALoan.com Miltary Hero Award!

Gerald Hansen was nominated for his outstanding service to his community and his country. He spent twenty-one years in the United States Air Force with assignments to Holloman Air Force Base, New Mexico, Yokota Air Base, Japan, MacDill Air Force Base, Tampa, FL and Zweibrucken Air Force Base, West Germany. He retired in May 1990.

His awards and decorations include the Meritorious Service Medal with two oak leaf clusters and the Air Force Commendation Medal. He was promoted to Master Sergeant through STEPS (Stripes for Exceptional Performers) in August of 1983. He was also named as the Tampa Military Citizen of the Year for 1986. Mr. Hansen was named the Management Award recipient in 1995 from the International Builders Exchange Executives (IBEE), Tampa Bay Lightning Community Hero in 2017, Ring of Honor with the Buffalo Soldiers (The Woods & Wanton Chapter) in 2017 and was named the Bay Area Brotherhood Humanitarian Award winner 2019.

Hansen is the volunteer Executive Director for Paint Your Heart Out Tampa (PYHOT), an all-volunteer, nonprofit organization that benefits low-income and elderly citizens of Tampa by improving the exterior of their homes. Each year, Hansen freely gives more than 1,250 hours of time to the organization. Hansen has also successfully raised more than $14,000 for the Greater Tampa Bay Walk to Defeat ALS, was involved in three annual cleanups of Bayshore Boulevard on MacDill AFB, served as the Chairperson of the Preschool Education Board, and helped build playgrounds on MacDill AFB and in Clearwater.

“Jerry is the most unselfish person I have ever met,” his nominator wrote. “He has taught me more about generosity than anyone. The majority of Jerry’s time is spent behind the wheel of his car, picking up, dropping off supplies or materials needed from one organization to another. He is often delivering items to groups working with homeless or food banks.”

Congratulations to Gerald Hansen on being named The MilitaryVALoan.com Military Hero Award Winner!

 

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Apache is functioning normally

When looking at overall financial planning, life insurance coverage can be an integral part. That’s because the profits from a life insurance policy can be used for a multitude of things, including the settlement of debt by survivors, ongoing payment of everyday bills by a spouse and other dependents, and/or for paying one’s funeral and other financial expenses.

In fact, even when just factoring in potential final costs, the dollar figure can often be more than $10,000 given the expense of a memorial service, flowers, and transportation, as well as a burial plot and headstone. (If an individual requires any uninsured medical or hospice expenses, the cost can be even higher for those you leave behind).

Before committing to acquire a life insurance policy, it is important to ensure that you are choosing the right type and amount of coverage. It is also essential to take a closer look at the insurance company you’re considering making your purchase through.

That is because you want to ensure that the insurer is secure and stable financially and that it has a reliable, positive name for paying out its policy holder claims. One insurance carrier that has a 100+ year history, and that meets these criteria – is Mutual Trust Life Insurance Company.

Table of Contents

The History of Mutual Trust Life Insurance Company

Mutual Trust Life Insurance Company traces its roots back to 1904. Over the past 110+ years, the company has grown and expanded exponentially, and it now offers its life insurance and annuity products in 49 of the U.S. states, as well as the District of Columbia.

Today, Mutual Trust is a wholly owned subsidiary of Pan American Life Insurance Group (PALIG), which is a leading provider of insurance and financial services throughout the Americas. Mutual Trust is headquartered in Oak Brook, Illinois.

Mutual Trust Life Insurance Review

As its name implies, Mutual Trust Life Insurance Company is a mutual insurer. This means that the company has no shareholders, by rather it exists for the benefit of its policy holders. And, while not guaranteed, policy holders may be eligible to receive dividends from the company. These may be taken in the form of cash, or used for increasing the amount of insurance coverage that they have.

For the year 2016, Mutual Trust Life Insurance Company continued to experience positive financials, with a 16 percent increase in sales, and continuation of its dividend scale – even considering the historically low-interest rate environment in the United States.

At the end of 2016, Mutual Trust Life Insurance Company held capital more than $900 million, and assets of over $5.5 billion (when combined with that of Pan American Life Insurance Group). The company has also maintained a risk-based capital ratio of more than 600 percent.

With that in mind, Mutual Trust Life Insurance Company is a financially stable company. It also pays out its claims promptly to its policy holders and their beneficiaries.

Insurer Ratings and Better Business Bureau Grade

Due to its firm financial footing, Mutual Trust Life Insurance Company has attained outstanding ratings from the insurer rating agencies. These include an A (Excellent) from A.M. Best Company and an A (Stable) from Fitch Ratings.

Also, even though Mutual Trust is not currently an accredited business through the Better Business Bureau (BBB), the BBB has given the company a grade of A+. This is on an overall grade scale of A+ through F. Over the past three years, Mutual Trust has only had to close out one customer complaint through the Better Business Bureau (which occurred within the previous 12 months). This claim was based on problems with the company’s products and services.

Life Insurance Policies Offered by Mutual Trust Life Insurance Company

Mutual Trust Life Insurance Company offers a wide variety of life insurance policies to choose from. These include both term and permanent coverage. With term life insurance, you will have death benefit protection, without any cash value or savings build up. This can help to keep the policy affordable.

Term life insurance offers protection for a set number of years. The term life insurance plans that are offered through Mutual Trust Life Insurance Company have the options of 10 years, 15 years, 20 years, and 30 years. During the time that is chosen, the death benefit on the policy remains level, and the amount of the premium will not increase.

After the time has elapsed, policy holders have the option of keeping the coverage as an annually renewable plan, which provides a level amount of death benefit until the insured turns age 98. (The premium will, however, increase over time with this option).

These policies also have the option of being converted over to a permanent life insurance policy, without having to provide evidence of insurability. This conversion may occur at age 65, or at the insured’s issue age plus the length of the level premium period plus five years – whichever is the earliest.

There are also individual riders that may be added to one’s term life insurance policy through Mutual Trust. For example, with the addition of the optional waiver of premium rider, conversion is guaranteed – even if the term insurance policy is under a waiver claim. In this case, the premiums on the permanent policy can continue to be waived (provided that certain conditions have been met).

Mutual Trust also offers permanent life insurance coverage. With this form of life insurance, there is a death benefit, as well as a cash value component in the policy. Mutual Trust Life Insurance Company has a focus on offering whole life insurance through its Horizon Value plans. Here, the amount of the policy’s death benefit is guaranteed never to decrease (if the premiums are paid).

Also, the monetary value can increase on a tax deferred basis. There will be no tax due on the growth in the assets that are inside of the cash value unless or until they are withdrawn. Policy holders can either borrow or withdraw cash from the policy, for any need that they wish, including the payoff of debt, the supplementing of retirement income, or even for taking a pleasant, long-awaited vacation.

Also, because Mutual Trust Life Insurance Company is a mutual insurer, those who own a whole life plan may be eligible to receive dividends (although dividends are not guaranteed). When receiving a bonus, it is a return of premium, so it will not incur income tax.

The Horizon Value whole life insurance policies from Mutual Trust offer several additional benefits, including non-forfeiture, which means that the policy holder may opt to obtain either a reduced paid-up policy, or a term policy if his or her plans or budget changes.

Policy holders may also choose to add an accelerated death benefit rider – with chronic and terminal illness provisions – if they want to customize their coverage further. These options are available at no additional premium cost. With this type of addition, it can be possible to accelerate a portion of the policy’s death benefit if the insured becomes chronically, permanently, or terminally ill. Funds can be used for paying medical bills, or any other need that the policy holder sees fit.

Other Products and Services Sold

In addition to providing an extensive list of life insurance policy options, Mutual Trust also offers retirement annuities. Today, given our much longer life expectancies, one of the key worries of those who are retired (as well as those who are planning to retire soon), is outlasting their income.

An annuity can help with alleviating that concern by providing the option of a fixed lifetime income – regardless of how long you live. These products also offer certain tax advantages during the savings (or accumulation) phase.

Mutual Trust offers the Integrity Plus Series of flexible and single premium deferred annuities. With single premium annuity, only one single payment is required, while a flexible premium product allows you to make deposits over time.

All the annuities that are offered by Mutual Trust Life Insurance Company allow for the following:

  • Tax deferred gain inside of the account. This means that as your money grows, there will be no taxes due on the gain until the time of withdrawal. This can allow for funds to grow and compound exponentially over time.

  • Principal guarantee. This means that your money will be safe inside of the annuity, regardless of what occurs in the market – or even in the overall economy.
  • No upfront sales charges. With no sales charge or commission to pay up front, all your deposited funds can start working and earning interest right away.
  • Low minimum contributions. If you do not have a lot of money to start with, you can still purchase an annuity from Mutual Trust. That is because the flex annuities offered by the company can begin with a minimum premium of just $300, and the single premium annuity products may be started with a minimum contribution of $5,000.
  • Choice of different payout options. When the time comes to start withdrawing money from the annuity, there are a variety of different options to choose from. These can include taking out the entire lump sum or taking out an income stream on an annual, semi-annual, quarterly, or monthly basis. There is also the lifetime income option whereby the insurance company will continue to pay out an income to you for as long as you live – regardless of how long that may be. This can help with reducing the worry of outliving your retirement income.
  • Death benefit. Upon the passing of the owner/annuitant, the accumulated annuity value can pass directly to a named beneficiary (or more than one beneficiary). This can help to avoid the expense and the delay of having to go through probate.

How to Find the Best Premium Rates on Life Insurance Protection

If you are seeking the best premium rates on life insurance protection from Mutual Trust Life Insurance Company – or from any insurance carrier – it is typically recommended that you work with an independent life insurance agent or broker. You will be able to choose from many different policies, insurance companies, and premium costs – and from there you can decide which will be the top option for you.

When you are ready to purchase, we can assist. We are an independent insurance brokerage, and we work with many of the best life insurance companies in the market place today. We can provide you with all the essential factors you need for making a well-informed life insurance buying decision. We can do so for you swiftly and efficiently – all from your computer. If you are ready to see what coverage and premiums you qualify for, then just simply fill out our quote form to get started.

We understand that the purchase of life insurance may not always be an easy task. There are many different variables to choose from – and you want to make sure that you are going with the best plan possible for you – and your loved ones – needs.

But the good news is that – even with all the plans and alternatives to consider – this process can be made much easier when you are working with an expert in the field. So, contact us today – we’re here to help.

Source: goodfinancialcents.com

Apache is functioning normally

Thinking about retiring early? The idea can be tempting, but before making any decisions, you’ll want to carefully consider your financial situation.

It is possible to retire early at age 55, but most people are not eligible for Social Security retirement benefits until they’re 62, and typically people must wait until age 59 ½ to make penalty-free withdrawals from 401(k)s or other retirement accounts.

People with 401(k)s at work may be able to to withdraw money early from those accounts penalty-free — if they leave their jobs at age 55 and up (this is often called the “rule of 55”).

Can I collect Social Security and other retirement benefits at age 55?

If you retire at age 55, you probably won’t be eligible to receive Social Security retirement benefits for several years or be able to withdraw money from your retirement accounts without paying a 10% early withdrawal penalty. Additionally, for most people, Medicare won’t kick in for another 10 years.

Typical minimum age for benefits

Social Security

Individual retirement accounts, or IRAs

Although you can begin receiving Social Security benefits at age 62, that’s often not the best time to start. The Social Security Administration reduces your check by as much as 30% for life if you start taking benefits before you reach full retirement age. However, you’ll receive 100% of your benefit if you elect to wait until full retirement age, and you’ll get a bonus for every year (up to age 70) that you delay taking benefits

.

One other thing to note is that the more you pay in Social Security tax (typically through payroll taxes withheld from your paychecks), the higher your Social Security retirement benefits are. Accordingly, leaving the workforce early could affect the size of your eventual Social Security retirement benefit

.

Estimate your Social Security retirement benefits

Your actual benefit may be lower or higher than estimate made with this calculator, because it does not take into account your actual earnings history.

We assume you have earnings every year until you begin receiving Social Security benefits. If you had several years of noncovered employment or your earnings changed significantly from year to year, this calculator will overestimate or underestimate your benefit.

How can I bridge an income gap if I retire at 55?

Although retiring early at age 55 doesn’t make you eligible for Social Security or most government benefits for retirees, there are a few exceptions and strategies to know that could help you bridge an income gap.

Exceptions to 401(k) early withdrawal rules

In most cases, you’ll be subject to a 10% early withdrawal penalty if you take money from your 401(k) before you’re 59 ½. But according to the IRS, these circumstances may allow you to skip the penalty:

Exceptions to IRA early withdrawal rules

Generally, money taken out of an IRA before age 59 ½ is subject to a 10% early withdrawal penalty unless one of these exceptions applies:

  • You become totally and permanently disabled.

  • You have qualified higher education expenses.

  • You agree to take “a series of substantially equal periodic payments over your life expectancy.”

  • You are a first-time home buyer (for withdrawals up to $10,000).

  • You had tax-deductible medical expenses that exceeded 7.5% of your adjusted gross income.

  • You were a reservist called to active duty

    .

Pension plans

Depending on where you’ve worked, you may be able to take withdrawals from a pension on or before you turn 55. Check with your employer to see if you’re eligible. Teachers in California, for example, might be able to retire at age 55 if they have at least five years of service credit

. Members of the U.S. military, meanwhile, typically can retire at any age after 20 years of service.

Nonretirement accounts

Although most types of retirement accounts limit how much you can contribute in a year, there are usually no limits to how much you can invest in high-yield savings accounts, stocks, bonds, mutual funds, exchange-traded funds or other investment vehicles. In particular, bonds, bond funds, dividend stocks and dividend funds might provide monthly income regardless of your age.

HELOCs

Do you own a home? If so, a home equity line of credit, or HELOC, may be an option. These loans let you borrow against the equity in your home without needing to sell or refinance your home. The fees for a HELOC vary, and you must repay the loan.

Source: nerdwallet.com

Apache is functioning normally

One of America’s crown jewels, Yosemite National Park has been leaving visitors awestruck since it became a national park in 1890.

The monoliths of Half Dome and El Capitan, the ancient sequoias of Mariposa Grove, and North America’s tallest waterfall, Yosemite Falls, are just a few of this vast California park’s emblematic attractions that make it one of the country’s best national parks. What makes Yosemite so appealing (and crowded) is that its signature features are easy to access and available pretty much year-round.

Not surprisingly, with close to 3.5 million visitors per year, lodging options within the park’s boundaries come at a premium. Within easy reach of the park, there are several amenity-rich wilderness lodges, quaint bed-and-breakfasts and lavish boutique hotels that cater to multigenerational families, couples looking to disconnect, and adventure-seeking solo travelers.

From budget-friendly in-park lodges to a flashy European-style retreat, here are some of TPG’s favorite places to stay in and around Yosemite National Park.

Ahwahnee Hotel

Yosemite National Park, California, USA

AL GOLUB/THE AHWAHNEE/FACEBOOK

Best for: Travelers looking for historic lodgings in an unrivalled location within Yosemite National Park.

Why stay here: A cherished national landmark, the Ahwahnee is a paradigm of “parkitecture” design. A wide selection of classically appointed rooms, suites and cottages can accommodate groups, couples and solo travelers — and paying up can even get you a view of Half Dome.

Best way to book: The Ahwahnee is operated by Xanterra Parks & Resorts. Book directly (and well in advance) for the best prices.

A cherished national landmark, The Ahwahnee has been the hotel of choice for celebrities, heads of state and royalty visiting Yosemite for generations.

Located on the southern fringes of Yosemite Valley, the location couldn’t be better, and even just a stroll across the grounds reveals the park’s hallowed attractions: Half Dome, Yosemite Falls and Glacier Point.

Constructed in 1929 of sugar pine logs and rough-cut granite, The Ahwahnee is a paradigm of National Park Service-rustic, or “parkitecture.” Magnificent public spaces with beamed ceilings and colossal stone fireplaces are filled with Native American artworks, Arts and Crafts furnishings and art deco influences.

While the 121 standard rooms don’t have quite the same wow factor, they are clean and spacious with classical detailing, rustic wood furnishings and spectacular views. Suites and junior suites on the upper floors have private fireplaces and/or balconies, and the presidential suite where President John F. Kennedy stayed has a king bedroom, living area and parlor with a sleeper sofa and a large balcony with views of Glacier Point.

What you are really spending up for here, though, is the stately ambiance, unbeatable location and time-honored rituals. The Ahwahnee Dining Room oozes history and charm, with emblematic stonework, iron chandeliers, Native American design motifs and floor-to-ceiling windows framing spectacular views of the valley. Dress the part (that’s required; no T-shirts or flip-flops) and dine on Yosemite’s finest cuisine. Menu favorites include Acadian spiced tiger prawns with smoked cheddar polenta, roasted tomatoes and seasonal herbs ($25), and New Zealand lamb chops with black garlic miso sauce, carrot-yuzu puree, arugula and pickled cucumber ribbons ($27).

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Rates at The Ahwahnee range from $521 per night for a standard room up to $1,242 for the presidential suite.

Rush Creek Lodge

Groveland, California, USA

KIM CARROLL/RUSH CREEK LODGE AND SPA AT YOSEMITE/FACEBOOK

Best for: Families with young kids and teens who will love the pools, zip line, nightly s’mores, hiking and biking trails, and day and nighttime programming led by the on-site recreation team.

Why stay here: This classic summer resort is close to Yosemite National Park’s southern entrance and has accommodations that can work for groups of all sizes, including two-bedroom hillside villas that sleep up to six guests.

Best way to book: Book directly with the lodge for the best rates, deals and packages.

Nestled amid 20 acres of woodlands, less than a mile from Yosemite’s west entrance, the 143-key Rush Creek Lodge combines rustic charm with modern conveniences and a fun-loving summer camp vibe.

Impressive amenities and round-the-clock programming are what really distinguish this property. There are zip lines for kids, a 60-foot embankment slide, bocce ball, nightly s’mores around the fire, live bands, themed parties and karaoke. By day, the fantastic pool area is the hub of the action, with a 2,400-square-foot saltwater pool and a large family-friendly hot tub. The guided recreation program includes full-day and half-day Yosemite hiking tours, horseback riding and mountain biking, among other wilderness adventures.

After a day on the trails, parents can indulge in a signature massage at the Wellness Center (80 minutes, $235) or just relax in the Aromatherapy Steam Room or Himalayan Salt Block Sauna.

Related: TPG’s favorite national parks: A month-by-month guide

Rush Creek’s rooms, suites and hillside villas all come with large decks, and most have sunset views. Standard rooms, which start at 400 square feet, are appointed with simple, natural wood furnishings and modern tiled bathrooms. Family-pleasing conveniences include air conditioning, a Keurig coffee maker, a refrigerator, hypoallergenic feather pillows, Alexa devices and Earth Therapy bath products.

Larger hillside villas are a great option for groups. Sleeping up to six people, they are configured with a separate bedroom with a king bed, a large sitting area with a queen sofa bed and a cast-iron gas fireplace.

The Restaurant at Rush Creek serves modern American fusion fare, such as king salmon with bok choy, soy glazed shiitake mushrooms and yuzu-ginger butter ($30) and bison chili mac with cavatappi, bison chili and smoked gouda ($28). Dinner and a late-night menu are also available in Rush Creek’s lively Tavern.

Rates at Rush Creek Lodge start at $340 per night.

AutoCamp Yosemite

Midpines, California, USA

AUTOCAMP/FACEBOOK

Best for: With Airstream suites that sleep up to six people and safari-style tents, AutoCamp is a unique option for groups and families craving an elevated glamping experience near Yosemite National Park.

Why stay here: Plenty of lifestyle amenities and creature comforts, including full bathrooms, air conditioning and heating, sleek gathering spaces and wholesome dining options.

Best way to book: Book directly with AutoCamp for the best prices, discounts and packages.

Located in the town of Midpines, about 40 minutes west of Yosemite National Park, AutoCamp is one of the more established glamping companies, with nine locations across the U.S.

Offering a mix of Airstream Suites and Luxury Tents, the setup is perfect for nature lovers who enjoy boutique amenities and creature comforts — as well as those partial to midcentury modern design icons.

Custom 31-foot Airstream Suites feature a queen bed, a kitchenette, a bathroom with walk-in shower, and a patio with a fire pit and shaded dining area. For families, Premium BaseCamp Suites combine the Airstream Suite with a deluxe canvas tent. There are also Luxury Tents and Classic Cabin Suites — compact pine cabins with a bedroom, galley-style kitchenette with a dining table, sitting area and a stylish bathroom with a walk-in shower and Ursa Major organic bath products.

The AutoCamp experience can be as social or secluded as you want it to be. There’s a clubhouse for happy hour gatherings, a seasonal, heated outdoor swimming pool, daily activities on-site (including yoga classes), live music, fireside s’mores, and wine tastings with local wineries.

Kids age 5 and up can attend the AutoCamp Yosemite Forest School, where scavenger hunts, nature art, science projects and visits from wildlife experts inspire curiosity in Yosemite’s history and landscapes.

The Kitchen serves healthy, local fare with plenty of vegetarian and vegan options. Campfire items and grill kits are available at the General Store for guests that prefer to light a fire and dine on their private patio beneath the stars.

Airstream Suites at AutoCamp Yosemite start at $292 per night. Classic Cabin Suites start at $519.

Evergreen Lodge at Yosemite

Groveland, California, USA

EVERGREEN LODGE YOSEMITE/FACEBOOK

Best for: Travelers of all ages looking for great value and a lively, summer camp-style ambience.

Why stay here: A variety of comfortable, well-equipped cabins, activities galore and resort-style amenities, just a mile from Yosemite National Park.

Best way to book: Book directly for the best rates, discounts and seasonal packages.

Just a mile from the western entrance of Yosemite National Park, surrounded by the towering pines of Stanislaus National Forest, Evergreen Lodge (a sister resort to Rush Creek Lodge, listed above) is a classic Yosemite resort built in the 1920s.

Significantly upgraded and expanded since the early 2000s, it’s one of Yosemite’s most popular family resorts with a surfeit of amenities, including zip lines, a large saltwater swimming pool and a hot tub.

Daily programming and wellness-focused activities range from yoga, fishing and hiking to arts and crafts, basket-weaving and nightly s’mores. There are plenty of cozy indoor and outdoor spaces to retreat to, or gather with new friends and trade stories.

Across the 88 accommodations, there’s something for every type of traveler and budget. Deluxe Cabins with vaulted ceilings start at 400 square feet and are appointed with simple wooden furnishings and a few decorative nods to the surrounding landscape (plaid throws and Western-themed artworks). It’s the thoughtful touches, though, that really sets them apart — a comfy king bed, a large sitting area with queen sofa bed, a cast-iron gas fireplace, air conditioning, a spacious bathroom with walk-in shower, Wi-Fi, Alexa devices, refrigerator, and a Keurig coffee maker. For families, there are more spacious one-bedroom Cottages and Family Cabins, as well as smaller (250-square-foot) Vintage Cabins, perfect for budget travelers.

At Evergreen’s lively main restaurant, the modern American menu showcases locally sourced meat, fish and produce, and satisfies gourmands as well as less adventurous palates. Perennial favorites include braised bison short ribs ($38), crispy pork belly ($30) and pan-seared salmon ($32), as well as salads, burgers, chicken tenders and grilled cheese sandwiches.

The historic, all-wood Tavern — a local institution for nearly a century — is an atmospheric setting for a pre- or post-dinner cocktail or beer, and it packs in the crowds for live music on the weekends.

Rates at Evergreen Lodge start at $335 per night.

Château du Sureau

Oakhurst, California, USA

CHATEAU DU SUREAU/FACEBOOK

Best for: Francophiles and gourmands looking for an elegant, luxurious hotel with impeccable service, haute cuisine and French flair.

Why stay here: A secluded, intimate boutique hotel with sumptous public spaces and richly appointed rooms featuring canopy beds, wood-burning fireplaces, antiques and Empire-style decor.

Best way to book: Book through our partner Skylark to enjoy elitelike benefits and on-property credits.

Located 16 miles from Yosemite National Park, this intimate, elegant retreat combines haute cuisine, impeccable service and sumptuous accommodations amid the majestic landscapes of the Sierra Nevada.

Part of the Relais & Chateaux hotel collection, a luxurious Old World aesthetic runs through individually styled rooms and public spaces, which are spread over 9 acres of delightful gardens. The 10 individually styled guest rooms feature four-poster beds dressed with plush pillows and luxe linens, fireside reading nooks with desks, walls hung with tapestries, Empire-era furnishings, a smattering of antiques, and modern, marble-clad bathrooms with soaking tubs.

Hidden behind a private, gated entryway, Francophiles will swoon for the palatial two-bedroom Villa du Sureau. At 2,000 square feet, it features a grand salon with a wood-burning fireplace and a Steinway & Sons piano, two king bedrooms, a library and office, a private Roman spa, a lavish tiled bathroom with a marble tub and a separate steam shower, and a private garden.

As you’d expect of a Relais & Chateaux property, the on-site restaurant is a destination unto itself. The Elderberry House has garnered a loyal following for over 30 years, serving three- and six-course menus ($95/$155) that incorporate seasonal produce from local farms — an amuse-bouche of sea urchin and sweet pea followed by ahi tuna with sorrel, for example, and then an entree of local steelhead trout with lemon thyme nage and snap peas.

The cozy, stone-walled Cellar bar is a great place to start the evening with a cocktail (perhaps an Elderflower Sour with gin, lemon juice, elderflower syrup and egg white, $17).

At the Spa du Sureau, you can book a range of European-inspired treatments, facials and massages or take a dip in the heated outdoor swimming pool.

A major draw of this property is the complimentary perks, including a copious daily breakfast and such welcome beverages and treats as a bottle of wine and a house-baked Gugelhupf cake. There’s also nightly turndown service and daily housekeeping (not always a given these days).

Rates at Chateau du Sureau start at $395 per night.

Blackberry Inn Yosemite

Groveland, California, USA

BLACKBERRY INN YOSEMITE/FACEBOOK

Best for: Couples looking for a peaceful (adults-only) retreat that invites relaxation as much as adventure.

Why stay here: Located 13 miles from Yosemite National Park, on 36 acres of forest, this charming, intimate lodge features just 10 classically appointed rooms with wraparound porches.

Best way to book: Book directly with Blackberry Inn for the best rates, seasonal discounts and packages.

A secluded, adults-only sanctuary, The Blackberry Inn Yosemite is set on 36 acres bordering Stanislaus National Forest, just 12 miles west of Yosemite’s Big Oak Flat park entrance.

With meticulous attention to detail, warm service and a peaceful ambience, it’s a great nesting place for discerning travelers looking to truly disconnect and immerse themselves in the area’s natural splendor.

Behind an egg yolk-yellow facade, wrapped with a white porch, the 10 elegant rooms and suites with vaulted ceilings start at 350 square feet and are individually designed with classical furnishings and decorative touches — solid wood furniture, refined wing armchairs, floral duvets, plush drapes and carpeting, and a smattering of antiques and landscape paintings. All rooms are appointed with luxury linens, a separate sitting area with recliners and fireplaces — suites also have deep soaking tubs. At every turn, there are beautiful views of Stanislaus National Forest and the innkeeper’s Arabian horses grazing on the property.

Beyond the refined rooms and personal service, the inn is known for its delicious homemade breakfast, served on fine china in the elegant dining room or on your private patio or porch (if you reserve a suite).

Rooms at Blackberry Inn Yosemite start at $290 per night, including breakfast. Children over 13 years are welcome and there’s a two-night minimum stay (although single nights are often available).

Tenaya at Yosemite

Fish Camp, California, USA

TENAYA AT YOSEMITE/FACEBOOK

Best for: A great option for families with four-legged friends in tow, Tenaya has a variety of accommodations, indoor and outdoor pools, and diverse dining options that cater well to picky eaters.

Why stay here: Tenaya’s peaceful location, just a mile from Yosemite’s southern entrance, is hard to beat. A daily calendar of on-site activities and experiences keeps the whole family entertained.

Best way to book: Book directly with Tenaya for the best rates, discounts and seasonal packages.

This attractive lodge, just 2 miles from Yosemite National Park, is an appealing option for multigenerational families looking for a streamlined and activity-rich national park experience.

One of the largest lodges in the area, Tenaya comprises 223 guest rooms, 26 suites, 53 cottages and 50 creekside cabins extending across 75 wooded acres bordering Sierra National Forest at an elevation of over 5,000 feet. Drawing many repeat visitors, the AAA Four Diamond-rated property boasts exceptional amenities, a prime location and outstanding tours and activities for all ages.

Inviting public spaces set a homespun tone with earth-hued walls, large windows framing forest views, beamed ceilings, hardwood floors bedecked with Western-style rugs and walls decorated with landscape paintings and Native American motifs.

Premium rooms are kitted out with simple furnishings and give off cozy, mountain vibes. Extended queen and king rooms have an additional 100 square feet, a small living area with plush chairs and a sleeper sofa that’s perfect for smaller families.

Larger families or those looking for a little more luxury might want to consider spending up for a suite, which offers major upgrades in style, size, character and amenities — high ceilings, a soothing neutral color palette, hardwood floors, contemporary design-forward furnishings, a fireplace, and a swanky bathroom with soaking tub. There are also accessible rooms and adults-only suites with private patios and gardens.

For adventure seekers, biking and hiking trails lead directly from the property into Sierra National Forest. Guests can sign up for on-site and off-site activities and daily tours (additional fees apply), including gold panning, guided hikes, mountain biking, archery lessons and horseback riding. Telescopes are also available for stargazers.

There are five dining venues, including a pizzeria and Jackalope’s Bar & Grill (the main restaurant), which offers chef-driven cuisine as well as bar-food staples. The Ascent Spa has 12 treatment rooms and offers reasonably priced facials, body wraps and massages (90 minutes for $180).

Rates at Tenaya at Yosemite start at $269 per night.

Yosemite Valley Lodge

Yosemite National Park, California, USA

SAM ISAAC/YOSEMITE VALLEY LODGE/FACEBOOK

Best for: A short walk from Yosemite Falls, this cozy lodge is a comfortable base for families that value location, convenience and a budget-friendly price tag.

Why stay here: This property offers a variety of accommodations, several dining options and a seasonal outdoor pool — not to mention spectacular surrounding natural beauty.

Best way to book: Yosemite Valley Lodge is operated by Xanterra Parks & Resorts, Inc. Book direct (and well in advance) for the best prices.

This popular, no-frills NPS lodge frequently books up 12 months in advance, largely due to its prime location — it’s the closest property to Yosemite Falls and many of the park’s most popular hiking trails start near the lodge. It’s also considerably cheaper than nearby Ahwahnee, making it a good budget option at a time when lodging prices in and around U.S. national parks have soared.

For nature-loving families and couples that value location over luxurious amenities, it ticks a lot of boxes. There are 245 simple hotel rooms (many recently updated) across three room categories — Traditional Rooms, Bunk Rooms and Family King Rooms. All share a homely aesthetic and provide a clean and functional place to bed down at the center of the action. There is no air conditioning, Wi-Fi or TVs in any room categories.

The Mountain Room restaurant serves sustainably sourced modern American cuisine — steak and seafood, as well as vegetarian and vegan options — along with iconic views of Yosemite Falls. At the canteen-style Base Camp Eatery, you can get your caffeine fix, fuel up for the day on casual fare and head out with some packable grab-and-go items.

There is also a seasonal swimming pool on the grounds, and bike rentals to explore the area — the lodge is located just a 5-minute bike ride, or 10-to-15-minute walk, from Yosemite Village’s shopping, dining and visitors center.

Rates at Yosemite Valley Lodge start at $329 per night.

Wawona Hotel

Yosemite National Park, California, USA

TONY SECKER/WAWONA HOTEL/FACEBOOK

Best for: Budget-conscious travelers looking to disconnect and explore in and around Yosemite National Park, a 40-minute drive away.

Why stay here: Victorian-era charm, a tranquil location, an outdoor pool and comfortable rooms that are far from generic.

Best way to book: Wawona Hotel is operated by Xanterra Parks & Resorts. Book directly for the best prices as well as special offers and packages.

Dating to 1856, the Victorian-style Wawona Hotel is located within Yosemite National Park’s more secluded recesses, some 45 minutes from the valley floor. Open during the winter season (December through March), it’s popular with snow-sports enthusiasts visiting nearby Badger Pass, as well as nature lovers keen to view the famed sequoias of Mariposa Grove — namely the 1,800-year-old Grizzly Giant and the California Tunnel Tree.

There are 50 standard rooms with en suite bathrooms and 54 budget-friendly rooms with shared bathrooms. While they are spare and compact and, some may say, fusty in design (floral bedding, heavy carpeting and simple furniture), with rates from $157 per night, you won’t find anywhere cheaper (apart from camping) within the park. It’s certainly a hot ticket, with rooms selling out 6 to 12 months in advance.

For active types, there’s an array of adventures close by: hiking trails, mountain biking, golf and horseback riding, as well as a seasonal outdoor pool on the property. Public spaces are a joy to return home to, with a light-filled sunroom, cozy dining room filled with period detailing, wide verandas and patios overlooking lovely gardens, and daily rituals such as live classical music and cocktails in the cozy lounge, fireside gatherings and summertime barbecues.

Rates at the Wawona Hotel start at $157 per night.

Related reading:

Source: thepointsguy.com

Apache is functioning normally

If you’re the kind of buyer who appreciates a six-burner Wolff stove and a custom-paneled Sub-Zero refrigerator, you’re looking for more than square footage. You’re looking for a home that really speaks to you, reflects your lifestyle, and rewards you with a rush of pleasure and satisfaction every time you walk through door. But this kind of luxurious, high-quality home is sometimes difficult to place a valuation on. Just how much more should you pay for that heated driveway, basketball court, and pool? 

1580 Connecticut Dr., Salt Lake City, UT

Quality you can feel

When visitors walk into your home, they might not notice the detailed woodworking, but they will notice how it feels to be in a home with high-quality workmanship. And so will you.

8 Pepperwood Pointe, Sandy, UT

Every day you walk through your space, quality craftsmanship (like bull-nosed edges on your dry wall and waterfall edges on your granite countertops) not only looks good, it feels good, enhancing any lifestyle.

A new view on life (literally) 

What’s life above the inversion with a view of rustic Wasatch mountains, pine trees, and a stunning panorama of the valley worth to you? While some buyers are fine living down in the valley, others prefer the hillsides. Discriminating buyers also take the aesthetic of neighboring homes and community security features into account.

Reduced maintenance costs and worries

“Commercial-grade exterior doors with embedded thermopane windows, extra insulation in the attic, a brick exterior, commercial HVAC systems —these are not typically reflected properly in the basic cost per square foot calculation, but they (among other items) have greatly reduced my maintenance over the years” says Homie homeowner Dan Peterson.

A quality home that has been well-maintained can mean less annual maintenance, which can save valuable time and money. It’s recommended that homebuyers set aside 1-4% of the home’s total value aside annually for repairs and maintenance, which makes it easier to understand quality’s real value.

Protected resale value

According to Remodeling.com, there are quite a few home upgrades that can have a positive ROI for homeowners. A garage door replacement, for example, may cost $3,400 on average, but 98.3% of that cost can be recouped according to their data. Similarly, a wood deck addition, a minor kitchen remodel and a steel entry door all have ROIs of more than 80%. And a luxury master bath is always a hit. 

While homeowners should pay attention to this data, so should home buyers. These numbers speak to the value that quality materials and renovation can have on your home for years to come.

Living your best life

Quality features can make the difference between living in a home and truly enjoying a home. As a homebuyer, look deeper than what’s on the surface —you may find that the very best “hidden features” are the ones that will make life more pleasant and will ensure that your new home withstands the test of time.

So, what does all this mean for assessing the value of high-end homes? We come back to the age-old adage, a home is worth what a buyer is willing to pay for it. And discriminating buyers know the value of quality. Browse high-end homes at homie.com today.

Source: homie.com

Apache is functioning normally

Typically, most people automatically assume they should roll over their old 401(k) into a traditional IRA. However, a lot of people have been asking about another option lately – and that’s whether you can roll your 401(k) over into a Roth IRA instead.

Fortunately, the definitive answer is “yes.” You can roll your existing 401(k) into a Roth IRA instead of a traditional IRA. Choosing to do so just adds a few additional steps to the process.

Whenever you leave your job, you have a decision to make with your 401k plan. Most people don’t want to let an old 401(k) sit idle with an old employer, and could benefit immensely by moving those funds somewhere that could benefit them more in the long run. Let’s see if I can help you make “cents” of the situation.

But first, let’s look at the rules behind the strategy of rolling over your 401k into a Roth IRA.

Table of Contents

Need to open a Roth IRA?

My favorite online broker is Ally Invest but you can check out our recap on the best places to open a Roth IRA and the best online stock broker sign-up bonuses. There are many good options out there, but I have had the best overall experience with Ally Invest. No matter which option you choose the most important thing with any investment is to get started.

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Roth IRA Rollover Rules From 401k

As a reminder, you must generally be separated from your employer to roll your 401k into a Roth IRA. However, some employers do permit an in-service rollover, where you can do the rollover while still employed. It’s permitted by the IRS, but not all employers participate.

Before January 1, 2008, you weren’t able to roll your 401(k) into a Roth IRA directly at all.  If you wanted to do so you had to complete a two-step process.  (Keep in mind that this would also apply to old Simple IRA’s, SEP IRA’s and 403b’s, 457, and qualified pensions, too)

  1. Open a Traditional IRA.

  2. Convert the Traditional IRA to a Roth IRA.

However, the law changed shortly after and this option became available. Still, just because the law has made this option available doesn’t mean you can definitely roll your old 401(k) into a Roth IRA no matter what.  Unfortunately, it all depends on your plan administrator.

For example, recently I had two clients who intended to roll their old retirement plans into a Roth IRA.

One client had an old military retirement plan- Thrift Savings Plan (TSP) – and the other had an old state retirement plan.  After helping each of them complete the required paperwork, I came across an interesting discovery.

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The TSP rollover paperwork had a box you could mark if you wanted to roll over the plan into a Roth IRA (the instructions had been added to make sure you had a Roth IRA already established).  However, the state retirement plan did not give that option.

The only option was to open a traditional IRA to accept the rollover and then immediately convert it to a Roth IRA.  That certainly seemed like a hassle at the time, and it definitely was.

However, this man’s state retirement plan is not the only one I’ve encountered with these extra “rules.”  Many 401(k)’s and 403(b)’s come with the same “No-Roth IRA Rollover” option.  This option was supposed to be mandatory in 2010, but some still do it on a voluntary basis.

At the end of the day, this means you should explore this option thoroughly before automatically assuming it would work in your case. Ask questions, consult your financial advisor, and read through all of your rollover paperwork carefully before you begin moving in this direction.

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Recap on Roth IRA Conversion Rule

These days, nearly anyone can take all of their traditional IRAs and old retirement plans and convert them to a Roth IRA.  The amount you convert will be taxed, but it still can be an attractive move for those that feel that taxes are going nowhere but up.

How Do I Rollover if I Receive the Check?

If you receive a distribution check from your 401(k) rollover to a Roth IRA, then chances are good they will hold around 20% for taxes. If you want a direct 401(k) rollover to a Roth IRA, you may want to send that check back to your employer 401(k) provider and ask to be sent all of your eligible retirement distribution directly to your new Rollover IRA account (not as a check, or they will just give you 80% again).

You have 60 days upon receiving the check to get the money into the Roth IRA- no exceptions!  So don’t procrastinate on this one.

What About the Roth 401k?

If your employer offers a Roth 401k and you were savvy enough to take part, the path to a rollover will be much easier.  When you’re converting one Roth product to another, there is simply no need for conversion.  You would simply roll the Roth 401(k) directly into the Roth IRA with the help of your plan provider.

Roll Your 401(k) by Following These Steps

  1. You have to have a Roth IRA open/established before you can do any of this.
  2. Ask your plan provider about the paperwork required to roll your plan over, then complete the paperwork in a timely manner.
  3. Enjoy the tax-free growth of your Roth IRA!

4 Signs It Makes Sense to Roll Your 401(k) into a Roth IRA

If you’re thinking of rolling your 401(k) into a Roth IRA instead of a traditional IRA, you have plenty of reasons to do so. Not only do Roth IRAs let you invest your dollars in the same investments as traditional IRAs, but they offer additional perks that can help you save money down the line. Here are four signs that a Roth IRA might actually be your best bet.

1. You expect to pay higher taxes in the future.

Since Roth IRAs use after-tax dollars, you’ll have to pay taxes upfront on any funds you roll over. However, you won’t have to pay taxes on your distributions, which could be extremely beneficial if you’re taxed at a higher rate when you reach retirement. You’ll pay taxes either way – now or later. But with a Roth IRA, you can rest assured your withdrawals will be tax-free.

2. You want to take withdrawals when you’re ready, and not a minute before.

While traditional IRAs force you to begin taking withdrawals at age 70 ½, Roth IRAs do not have this stipulation. Because of this, you can squirrel your Roth IRA funds away until you’re ready to use them.

3. You expect to earn more money in the future.

If you plan to earn lots of money in the future – or earn a high income now – you should consider rolling your funds into a Roth IRA instead of a traditional IRA. For single filers in 2023, the maximum income allowable for contributions to a Roth IRA starts at $138,000 and ends at $153,000. Learn more about Roth IRA rules and contribution limits here.

For married filers, on the other hand, the ability to contribute to a Roth IRA begins phasing out at $218,000 and halts completely at $228,000 for 2023. The more you earn in the future, the harder it will become to contribute to a Roth IRA and secure the benefits that come with it.

4. You want to increase your tax diversification.

Contributions to traditional IRAs are tax-advantaged, meaning you won’t pay taxes on your invested funds until you begin taking withdrawals at retirement. Roth IRAs, on the other hand, are taxed up front but offer tax-free withdrawals after age 59 ½.

If you’re unsure how your tax and income situation might pan out in the future, having both types of accounts – a traditional IRA and a Roth IRA – is a smart move in terms of diversifying your future tax exposure.

401k to Roth IRA Rollover Rules Details
Eligibility You can roll over a 401k to a Roth IRA if you have left the employer sponsoring the 401k and are no longer contributing to the plan. Some plans also allow in-service rollovers, but it’s best to check with your plan administrator for details.
Taxes When you roll over a 401k to a Roth IRA, you will owe income taxes on the amount you convert. This is because contributions to a 401k are made with pre-tax dollars, while contributions to a Roth IRA are made with after-tax dollars.
Conversion Limitations There is no limit on the amount you can convert from a 401k to a Roth IRA. However, the amount you convert will be added to your taxable income for the year in which you make the conversion, which could have tax implications.
Timing You can convert a 401k to a Roth IRA at any time, but it’s important to consider the timing of the conversion carefully. If you convert when your income is higher, you will owe more in taxes.
Penalty-Free If you are 59 ½ or older, you can convert a 401k to a Roth IRA penalty-free. If you are younger than 59 ½, you may be subject to a 10% early withdrawal penalty on the amount you convert.

The Bottom Line – Rolling Over 401k into a Roth IRA

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Rolling your 401(k) into a Roth IRA is a smart decision for many investors, but it may not be right for everyone.

Some financial advisors may suggest rolling over your 401k into a Roth IRA to take advantage of the tax-free growth the account offers. While this can be a great option for some, it’s important to consider if you’ll be able to afford to pay the taxes on your contributions and earnings when you eventually withdraw them.

Before you pull the trigger, make sure to investigate all of your options and consider speaking with a tax professional. When it comes to complex investment vehicles and taxes, what you don’t know can hurt you

FAQs on Rollover 401k to Roth IRA

Can you roll over 401k to Roth IRA without penalty?

Yes, you can roll over funds from a 401(k) to a Roth IRA without incurring any penalties, but there are some important rules and restrictions to be aware of.

First, you’ll need to meet the eligibility requirements for a Roth IRA, which include having earned income and not exceeding certain income limits. If you’re eligible, you can roll over funds from your 401(k) to a Roth IRA by asking your 401(k) plan administrator to transfer the funds directly to your Roth IRA account. This is known as a “direct rollover” and it allows you to avoid paying any taxes or penalties on the funds.

However, there are limits on how much you can contribute to a Roth IRA each year, and there may be tax consequences if you exceed those limits. It’s important to consult with a financial advisor or tax professional before making any decisions about rolling over funds from a 401(k) to a Roth IRA. They can help you understand the rules and restrictions and determine if a rollover is the right move for your financial situation.

What are the disadvantages of rolling over a 401k to a Roth IRA?

There are a few potential disadvantages to rolling over funds from a 401(k) to a Roth IRA. These include:

1. Tax implications: When you roll over funds from a 401(k) to a Roth IRA, you’ll have to pay taxes on the amount you roll over. This can be a disadvantage if you’re in a high tax bracket and don’t have other funds available to pay the taxes.

2. Loss of employer matching: If your employer offers matching contributions to your 401(k), you’ll lose out on those contributions if you roll over your funds to a Roth IRA.

3. Loss of certain benefits: 401(k) plans may offer certain benefits, such as loan provisions and hardship withdrawals, that are not available with a Roth IRA. If you roll over your funds to a Roth IRA, you’ll lose access to these benefits.

Overall, rolling over funds from a 401(k) to a Roth IRA can be a good move for some people, but it’s important to carefully consider the potential disadvantages and consult with a financial advisor before making any decisions.

What is the tax penalty for rolling 401k to Roth IRA?

If you roll over funds from a 401(k) to a Roth IRA, you’ll have to pay taxes on the amount you roll over. This is because funds in a 401(k) are pre-tax, meaning you don’t have to pay taxes on them until you withdraw the funds. When you roll over the funds to a Roth IRA, you’re essentially withdrawing the funds and then depositing them into the Roth IRA, so you’ll have to claim that amount of reportable income.

Since you’re “rolling over” and not taking a distribution you won’t have to pay the 10% early withdrawal penalty if you’re under the age 59 1/2. If you do choose to this be prepared to pay the taxes on the rollover out of pocket. Otherwise if you use your 401k money to pay the taxes you will be penalized on that amount.

What is the Roth five year rule?

The Roth 5 year rule is a requirement for certain tax-free withdrawals from a Roth IRA. In order for a withdrawal from a Roth IRA to be tax-free, the account must have been open for at least 5 years and the withdrawal must be made after the age of 59 1/2. If these conditions are not met, the withdrawal may be subject to taxes and penalties.

The Roth 5 year rule applies to both contributions and earnings in a Roth IRA. For example, if you make a contribution to a Roth IRA and then withdraw it within 5 years, the withdrawal will be subject to taxes and penalties unless it meets one of the exceptions to the rule. The same is true for earnings on your contributions – if you withdraw earnings from a Roth IRA within 5 years, they will be subject to taxes and penalties unless an exception applies.

There are a few exceptions to the Roth 5 year rule, including:

-Withdrawals made to pay for qualified higher education expenses
-Withdrawals made to pay for qualified first-time homebuyer expenses
-Withdrawals made due to the account holder’s disability
-Withdrawals made by a beneficiary of the account after the account holder’s death

It’s important to understand the Roth 5 year rule and the exceptions to it before making any withdrawals from a Roth IRA. If you’re not sure whether a withdrawal will be subject to taxes and penalties, it’s a good idea to consult with a tax professional.

Source: goodfinancialcents.com