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.
Suppose youâve made $10,000 in nondeductible contributions to a traditional IRA, but youâve withdrawn $2,000. That leaves $8,000 as the basis. This is also the basis for the Roth IRA conversion if you're converting the entire balance of the tax-deferred account.alculate the portion of a partial conversion you can count as basis dollars. IRS rules say the percentage of basis dollars you move in a partial conversion to a Roth IRA must be the same as the basis percentage in the tax-deferred account.