Even if your skin and face are smooth and wrinkle-free, a sagging neck can be a dead giveaway as to how old you really are. But a combination of fat removal via liposuction or direct removal of the fat from the chin and neck followed by a necklift can give you a more youthful appearance.
You can deduct your full contribution to a spousal IRA in 2014 if you as a couple have an adjusted gross income (AGI) of $181,000 or less. You can deduct some portion of your contribution if your AGI is between $181,000 and $191,000 in 2014.
If you made a conversion of a traditional IRA to a Roth IRA, or contributed to either one, you can switch the type of IRA by doing a recharacterization through October 15 of the year after you made the original conversion or contribution.f you recharacterized a deductible IRA contribution as a Roth IRA contribution, you will owe extra tax. If you recharacterized a non-deductible IRA to a Roth IRA or vice versa, your tax owed will not change, but you still need to amend the return to correct your IRS Form 8606, Nondeductible IRAs.