You can convert the contributions to a Roth IRA; however, a portion of the amount you convert to the Roth will be subject to income tax.
Saddle soap can be used as a protective agent on leather boots. 1  If you've recently worn your boots, you'll need to let them dry before using saddle soap. 2  Do not attempt to dry your boots by setting them next to a heater.
Leather aficionados who want to keep their prized boots, bags, shoes, belts, chairs, harnesses and saddles in top condition need saddle soap. Not only does it clean away dirt and grit that dull leather's luster, but it also supplies the oils and waxes essential for long-lasting suppleness and protection.