Calcium and Dairy. Foods classified by the USDA as dairy products supply calcium to the diet. Calcium is stored in your bones, which makes them dense. Too little calcium in your diet can increase your risk of developing low bone density and fractures.
For example, say that your traditional IRA has a cost basis of $30,000 and is worth $100,000 when you take a $10,000 withdrawal. That means 30 percent of the withdrawal comes out of your cost basis and is tax-free; 70 percent comes from the remainder of the account and is taxable.
BlackRock Mutual Funds charges a $15 annual fee, and American Funds charges a $10 annual custodian fee per Social Security number. Even low-cost mutual funds leader Vanguard charges a $20 IRA maintenance fee unless have a balance of $10,000 or more or are a Voyager or Flagship member. How-To Avoid IRA Fees Even at financial firms that charge annual custodial fees on their IRA accounts, there are usually ways to get the IRA account for free.