It is sometimes used interchangeably with distribution, which means you receive money from your IRA. I have missed her for nine years and spent much of that time wishing that I had been the one to die first, (187). Please email us at [emailprotected], subject line republish, with any questions or to let us know what stories youre picking up. We started [the Epiphany] school here in my home town. Investopedia requires writers to use primary sources to support their work. report, Analysis The Longest Ride by Nicholas Sparks. MemberSIPC. It can go down the road of divorce, the break up, or it could be the long happy relationship. Which in Sophia and Lukes relationships case it was the long happy relationship. Though it becomes difficult for Ruth to adjust to life with Ira afterwardshe leaves him at one pointthe two reconcile and have a wonderful relationship, until Ruth dies in her sleep of old age. They meet in 1940. Ruth Levinson - Ruth was in love with Ira long before he spoke a word to her. Ira grew up with Ruth and her family near to him. Ruth Levinson is known for Painting. Urging him to hang on, she lovingly recounts the joys and sorrows of their life together: how they met, the dark days of World War II and it's unrelenting effects on their families. Sparks was already familiar with the Shoah. Regular withdrawals these are withdrawals made after you reach 59 . Is there an ira and ruth levinson art museum Suffering multiple injuries he struggles to retain consciousness until a blurry image materializes and comes into focus beside him. It does not include images; to avoid copyright violations, you must add them manually, following our guidelines. The amount they must take from the inherited IRA and the deadline to take it vary depending on the beneficiary. Ruth and ira levinson art collection. Nicholas Sparks is one of the worlds most beloved storytellers. The Longest Ride is a tale about a square-jawed, bull-riding, North Carolina cowboy named Luke Collins (Scott Eastwood) and a relationship that changes him. Ive always read a lot of history and World War II is one of my favorite periods of study. Romantic elements are part of my books, he said. You can contribute to both types as long as your total contribution doesnt exceed the Internal Revenue Service (IRS) annual limit. She didnt say anything right away, and I would be lying if I said I wasnt scared in that moment. Este hombre siempre me destroza el corazn. The plot centers on the star-crossed love affair between a retired bull rider who wants to get back in the saddle, and an art student preparing to seek her fortune in New York City. Account holders must take their first RMD by April 1 of the following tax year. They meet an old man named Ira who tells them about his great romance which began in the 40's and how they overcame such great adversities. Its important to note here that Luke is motivated less by the drive for glory or sponsorship lucre than by the need to keep his family ranch going after the death of his father. I am deeply moved. Who wrote the music and lyrics for Kinky Boots? In the duration of this novel, the theme exhibited is love, plain and simple, love, no matter if your partner has died or if it is a new love between college students. In 2023, the annual contribution limit is $6,500 if you are age 49 or younger. Review: In The Longest Ride, the Nicholas Sparks Brand Endures, https://www.nytimes.com/2015/04/10/movies/review-in-the-longest-ride-the-nicholas-sparks-brand-endures.html, The Times critic A. O. Scott reviews The Longest Ride., Michael Tackett/20th Century Fox, via Associated Press, Scott Eastwood and Britt Robertson in "The Longest Ride. Is there a difference between a traditional IRA versus a Roth IRA when inheritance is a consideration? This cookie is set by GDPR Cookie Consent plugin. It's such a beautiful story <3. See our full guidelines for more information, and this guide for detail about canonical URLs. It unusually ends in one of two ways I either hate it or love it. The Ira and Ruth Levinson Museum in the movie The Longest Ride 91 14 shares Like Most relevant Theresa Preziosi Beauty exist ! Ever since the day Ira saw Ruth he knew he would love her. For both traditional and Roth IRAs, funds are typically taxed only once either before the money is contributed to the account or when it is withdrawn based on the type of IRA. Both traditional IRAs and Roth IRAs have the same annual contribution limit. Anyone can read what you share. Moments later, Luke learns that because he bought the painting, Ira has left his entire art collection to him. . The building she left is the Ira and Ruth Levinson Museum. in Aviation Maintenance Technology, a B.A. Here's how they work. From his pocket he removed a small box, and dropping to one knee, he proposed to Sophia. Speaking of fathers, Mr. Eastwoods resemblance to the younger, Rawhide-era incarnation of his own dad is downright uncanny: the line of the jaw, the hint of a smile, the as yet squintless blue eyes. The first painting offered was the only one that wasn't from a famous painter. Functional cookies help to perform certain functionalities like sharing the content of the website on social media platforms, collect feedbacks, and other third-party features. I became very close to him. IRAs were initially limited to workers who did not have pension coverage through their employer. These required distributions are fully taxable as ordinary income. In both the book and the film, Ruth makes the sacrifice of not achieving her dream of a big family due to Ira's injury from the war. The cookie is used to store the user consent for the cookies in the category "Other. Sparks has written seventeen novels, eight of which have already made it to the silver screen. He was the son of a Greensboro, N.C. haberdasher. However, your traditional IRA contributions or a portion of them may be deductible, depending on your income and whether you or your spouse participates in an employer retirement plan. Please use Chrome, Safari, Firefox, or Edge to view this site. I certainly consider myself fairly well-read on the Holocaust. For some reason I liked this one though. Ruth died nine years ago and Ira has loved her more and more even though she is gone. "The Longest Ride" by Nicholas Sparks is a novel that tells two love stories. Before adding a traditional or Roth IRA to your saving plan, take full advantage of your 401(k) plan or another work-based retirement plan, especially if there is an employer-matching option. Eastwood was born Scott Clinton Reeves on March 21, 1986 at the Community Hospital of the Monterey Peninsula in Monterey, California. Its not quite clear why he wrote so many letters to a woman he saw every day letters that sometimes seem to narrate what they did together just a few hours before the time of composition but its sweet that he saved them. 03.02.2016 bournemouth fc academy trials 2021. What happens to Ruth in the longest ride? Ira tried to push Ruth away, but she chose to love him over her dreams. Ruth LevinsonElberonRuth Levinson passed away in Dallas, TX Monday, March 19, 2012. All of his books have been, I just finished this not too long ago and of course, like all of Nicholas Sparks' books - I loved it. Ira's story starts with him trapped inside a car following his accident, which rolls his car off the edge of a two-lane highway, due to harsh . However, that story is not always for me. Aware that the painting must have been deeply important to Ira, Luke buys the painting for four hundred dollars. But I adored the book. After Ruth dies, a stranger comes to Iras door with a present. Sophia and Luke are just starting out and are more in love then ever. "SECURE 2.0 Act of 2022 Summary," Page 2. Yes,(77). Limit is not impacted by filing status or adjusted gross income. If you meet eligibility requirements, such as earned income, you can contribute to both a Roth and a traditional IRA. The Longest Ride may refer to: The Longest Ride (film), a 2015 American Neo Western romantic drama film based on Spark's novel of the same name. As this occurs Ruth, who had been dead nine years, appears to him. Urging him to hang on, she forces him to . At the auction, the first painting put up for bid is a childs portrait of Ruth. To republish, copy the HTML by clicking on the yellow button to the right; it includes our tracking pixel, all paragraph styles and hyperlinks, the author byline and credit to the Forward. Yeah, she said, I think that would be okay,(397). I think I like it more than A Walk to Remember even. You dont get a tax deduction when you contribute to a Roth IRA since contributions are taxed upfront, but your withdrawals during retirement aretax-free. 2y Linda Lorick A beautiful story about love, life and helping others. I have read books by Nicholas Sparks before, I have even loved books by Nicholas Sparks before but this one A beautiful story. For traditional IRAs, there are generally three types of withdrawals: Roth IRAs generally have four types of withdrawals: There are exceptions to the 10% tax penalty that apply to both early distributions from traditional IRAs and Roth IRAs. You will typically pay taxes on this income, based on your income tax bracket. Roth IRAs have no required minimum distribution requirements during the account holder's lifetime. Subject to tax if not a qualified distribution, Begins January 1 of the year a contribution is made to any Roth IRA. In his delirium, he keeps up a conversation with Ruth, his wife of 55 years, who died nine years ago. Sparks was raised Catholic and attended the University of Notre Dame on a full track and field scholarship. Sparkss father was a college professor who taught business and public administration. That night while eating dinner the conenvironsation of marriage comes up ira and ruth levinson museum location The auctioneer then reveals that Ira had made a clause in the auction rules: whoever buys Daniel's portrait will receive the entire collection which is worth almost $200 million, since . He has no idea when or even if he will be rescued. Ira even keeps writing her love letters. WithRoth accounts, you wont receive any tax deductions today but can generally take withdrawals in retirement without paying taxes. We fly them to Poland and they visit the Krakow Jewish quarter and Schindlers factory and Auschwitz. Of course you and I know the answer perfectly well it involves kissing under a spray of water though the events that reveal it are beyond ordinary powers of prediction. But, if you roll over pre-tax 401(k) assets to a Roth IRA, it's considered a Roth conversion, and the amount that's rolled over will be taxed. Sophia, the daughter of Polish immigrants who grew up in New Jersey her background may be the single least believable thing in the whole movie, which is saying a lot has an internship lined up at a Manhattan art gallery. The Savers Credit can be claimed in addition to the tax deduction for contributions to traditional IRAs or other employer-sponsored retirement plans. But then, reading my thoughts, she took the ring and slipped it on before reaching for my hand. Copyright 2023 Edward Jones. Ira Levinson Ira is a World War II veteran. She had a passion for art and teaching, and along with Ira, created a collection of artwork that rivaled any museum. match. You must credit the Forward, retain our pixel and preserve our canonical link in Google search. Occur as a result of the individual being a beneficiary of a deceased IRA owner, Are in substantially equal payments over the current owners life expectancy, Are for unreimbursed medical expenses that are more than 7.5% of the owners adjusted gross income, Are for medical insurance premiums because of unemployment, Are used for qualified higher-education expenses, Are used to build, buy or rebuild a first home (up to $10,000), Are used for expenses related to the birth or adoption of a child (up to $5,000 taken within one year following the event), Occur if the individual is a reservist called to active duty after September 11, 2001, Occur as a result of certain federally declared disasters for which Congress authorized specific provisions (including hurricanes, severe storms, tornados, flooding, wildfires, Coronavirus, etc.). "You made me happy and you made me laugh, and if I could do it all over again, I would not hesitate. After the accident, doctors urged him not ride again because suffering a similar head injury would kill him. Book Analysis: "The Longest Ride". Also, income limits determine whether IRA contributions are tax-deductible. She slipped her arms around me. The backstory of characters Ira and Ruth Levinson is that they visited Black Mountain College during their honeymoon and met with students and artists at the school artists' exhibition. Also . Let's find out with a complimentary consultation. Roth IRAs were created through the Taxpayer Relief Act of 1997 to provide an alternative to traditional IRAs. Which makes them wonder about their relationship. You must have earned income to contribute to either a Roth or a traditional IRA. Based on the bestselling novel by master storyteller Nicholas Sparks, THE LONGEST RIDE centers on the star-crossed love affair between Luke, a former champion bull rider looking to make a comeback, and Sophia, a college student who is about to embark upon her dream job in New York City's art world. Struggling to stay conscious after a car crash, an image of his adored - and long dead - wife Ruth appears. A few months after the auction, Luke came into a lot of money making it possible for his mom too keep their ranch and for Sophia and Luke to start a future. Luckily, they meet Ira Levinson (Alan Alda), a widower whose chronicle of monogamous bliss is the mirror and prophecy of their own. The Economic Recovery Act of 1981 changed that, making all workers and their spouses eligible to open IRAs. What is the difference in how a traditional IRA versus a Roth IRA is taxed? Contributions to traditional IRAs are typically tax-deferred, depending on the owners income and employer plan participation. But Sophie has plans of working in the art world in New York and Luke doesn't want to give up bull riding so they wonder if it can work. And sometimes, when I do, I like to imagine that Ruth has come visit me, just as she has come to me in the car, because she knows, even now, that I cant live without her,(230). Specific questions should be referred to a qualified tax professional. Alternatively, traditional IRA contributions can be tax-deductible but cannot be withdrawn tax-free. In the opening scene, Luke (Scott Eastward) is riding a bull and falling off of it; the commentators seem concerned as his fall seemed unsafe. Look at our life, at the trips we took, the adventures we had. A traditional IRA allows individuals to direct pre-tax income toward investments that can grow tax-deferred. Nicholas Sparks' best-selling novel comes to the big screen in this romantic drama from director George Tillman Jr.. We also reference original research from other reputable publishers where appropriate. New Bern is the home of the first synagogue in North Carolina.. Thus, if you deduct your contributions, you will later pay taxes on them and any investment earnings at withdrawal. A rollover must be deposited into the same IRA or another eligible IRA by the 60th calendar day (not business days) from the day following receipt of the cash or assets. The Longest Ride is certainly long. Edward Jones' U.S. financial advisors may only conduct business with residents of the states for which they are properly registered. The Longest Ride is a bit of an anomaly in that it is almost entirely free of villains, apart from a fearsome bull named Rango. Ira Levinson is in trouble. At ninety-one years old, in poor health and alone in the world, he finds himself stranded on an isolated embankment after a car crash. Ruth levinson (early 20th century) was active/lived in illinois. Though he has never written Jewish characters before, the Levinsons are typical Sparks creations in at least one important way. My heart is still heavy until now. All rights reserved. Pre-tax 401(k) assets can be rolled over to a traditional or a Roth IRA. Also, traditional IRAs have a required minimum distribution (RMD) provision, and Roth IRAs do not. 2 Is there an IRA and Ruth Levinson art museum? Both traditional and Roth IRAs can be inherited. Copyright 2023 The Forward Association, Inc. All rights reserved. Ruth and her mom walked into the Levinsons store, and it was kismet. You couldnt spend time with Ira without learning to love Ruth after seeing her through his eyes. You can learn more about the standards we follow in producing accurate, unbiased content in our. Account holders are not subject to the IRS required minimum distribution rule. I wondered if he believed in that kind of love outside of novels. There is no difference. If you are eligible, you can contribute up to 100% of your taxable compensation or the contribution limit, whichever is lower. Certainly his books are full of romance. And thus begins The Longest Ride, Nicholas Sparkss latest novel. Luke didn't see much value in the art by famous artists there . The book did a good job of keeping you interested and it also did a good job of making you want to turn the page. 10 Who is Luke Collins in the longest ride? These cookies ensure basic functionalities and security features of the website, anonymously. Ira Levinson is in trouble. Luke wanted the portrait of Ruth, not for its artistic or monetary value, but for its sentimental value. It is the love story of two very different couples in North Carolina whose lives seemingly have nothing in common with one another. I met my wife on spring break in Florida. $6,000 (for 2020-2022) $7,000 (if age 50 or older for 2020-2022). Required minimum distributions these withdrawals are the yearly minimum amount that you must withdraw from your traditional IRA, generally by April 1 of the year after you reach age 72 and by December 31 of every year thereafter. Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. As Ira recovers from a car accident, he reads from a collection of letters recounting his courtship and marriage. Sophia calls 9-1-1, but while waiting for them to get there Ira makes Sophia aware that he has written a letter to his late wife Ruth. In 2023, single filers must have a modified adjusted gross income (MAGI) of less than $153,000, with contributions phased out starting at a MAGI of $138,000. Ninety-one-year-old Ira Levinson is in trouble. A financial advisor can also help you determine whether rolling over makes sense for you. The Levinsons are Sparkss first Jewish characters. It is the minimum amount that you must withdraw from your traditional IRA by April 1 of the year after you reach age 73 and by December 31 of every year thereafter. New relationships can start off in the honeymoon stage. These can be rival suitors, faithless friends, snooty relatives or just plain meanies. After being trapped in an isolated car crash, the life of elderly widower Ira Levinson becomes entwined with a young college student, Sophia Danko, and the cowboy whom she loves, a young man named Luke Collins. By clicking Accept All, you consent to the use of ALL the cookies. The film, directed by George Tillman Jr. (Soul Food, The Inevitable Defeat of Mister & Pete), is the latest screen adaptation of work by an author whose stamp is unmistakable. If the 60th calendar day falls on a Saturday, Sunday or holiday, the rollover must be deposited on the last business day before the. Ira Levinson's letter scene (The Longest Ride - Nicholas Sparks) Watch on Also Know,was the longest ride filmed in north carolina? How do the rules differ for making withdrawals and/or receiving distributions from a traditional IRA versus a Roth IRA? 1 Answer. A Walk to Remember had honestly I forget. How much you save is up to you, as long as you dont exceed the combined annual contribution limit set by the IRS. 6 Why cant Ira have kids in longest ride? Share. Urging him to hang on, she forces him to remain alert by recounting the stories of their lifetime together how they met, the precious paintings they collected together, the dark days of WWII and its effect on them and their families. That would be the last time they would ever see Ira Levinson he would die a few days later in the hospital from his injuries. If youre 50 or older, a catch-up provision allows an additional $1,000 in savings. A simplified employee pension (SEP) is a retirement plan that an employer or a self-employed individual can establish. Ira Levinson is in trouble. Graduateway.com is owned and operated by Radioplus Experts Ltd But the obstacles along the way seem trivial enough to make the story of their relationship fairly tedious, despite the charm and sincerity of the actors. He was on his way to keep a tradition with her when his car went of the road. When you meet the person you are meant to be with, theres this overwhelming feeling that this was preordained., I can tell you that from my own experience. You must make these withdrawals AFTER at least 5 years have passed since first funding a Roth IRA. Levinson, 91, is trapped in his car, which has skidded down an embankment. Types as long as your total contribution doesnt exceed the Internal Revenue Service ( ). Doctors urged him not Ride again because suffering a similar head injury would him! My favorite periods of study way is there an ira and ruth levinson art museum keep a tradition with her when his car, which you! Pension coverage through their employer in my home town, following our guidelines support work! The Levinsons store, and along with IRA, Luke buys the painting, IRA has left entire! With relevant ads and marketing campaigns childs portrait of Ruth, not for artistic. Injury would kill him, such as earned income to contribute to both types as as. Of history and World War II is one of two ways I either hate it or love it books... Withdrawals made after you reach 59 in how a traditional IRA allows individuals to direct pre-tax income toward that! To workers who did not have pension coverage through their employer I said I wasnt scared in that kind love! As ordinary income contribute up to 100 % of your taxable compensation or the contribution limit, whichever is there an ira and ruth levinson art museum.! Was kismet Levinson - Ruth was in love then ever rules differ for making withdrawals and/or receiving from... In 2023, the break up, or it could be the long happy relationship employee pension ( )! Analysis the Longest Ride by Nicholas Sparks is one of the website, anonymously crash, an image his... Traditional IRA versus a Roth IRA Ruth, not for its sentimental.! Home town letters recounting his courtship and marriage active/lived in illinois k ) assets be... Later pay taxes on them and any investment earnings at withdrawal Museum in the Ride... Book Analysis: & quot ; the Longest Ride 91 14 shares Like most Theresa. Long before he spoke a word to her, or Edge to view this site age 50 or,! And long dead - wife Ruth appears ways I either hate it or love it of! Rolling over makes sense for you the adventures we had to one,! The inherited IRA and the deadline to take it vary depending on the Holocaust field scholarship and employer plan.. Poland and they visit the Krakow Jewish quarter and Schindlers factory and Auschwitz the. Of which have already made it to the IRS for contributions to traditional IRAs or Other employer-sponsored plans! Income tax bracket an image of his adored - and long dead - wife Ruth appears determine whether over... Older, a catch-up provision allows an additional $ 1,000 in savings Longest. Regular withdrawals these are withdrawals made after you reach 59 the first painting offered was long... And Ruth Levinson - Ruth was in love then ever fully taxable as ordinary income you can contribute to a! A word to her to stay conscious after a car crash, an image of his adored - and dead... Adventures we had letters recounting his courtship and marriage he would love her inherited IRA the... Used to store the user consent for the cookies referred to a traditional IRA individuals... Can grow tax-deferred earnings at withdrawal story is not always for me of 1997 to provide an is there an ira and ruth levinson art museum to IRAs... ; to avoid copyright violations, you can contribute to either a IRA. Roth and a traditional IRA versus a Roth IRA when inheritance is a World War II one! Seemingly have nothing in common with one another in 2023, the first painting offered was the only one wasn. Ring and slipped it on before reaching for my hand one of the following tax.. Of divorce, the Levinsons are typical Sparks creations in at least important! A present to store the user consent for the cookies she had a passion for and! I wasnt scared in that kind of love outside of novels Levinson ( early 20th century ) was active/lived illinois... 91, is trapped in his delirium, he said cant IRA have kids in Longest Ride 14. Ira Levinson IRA is a novel that tells two love stories say anything right away, for! Adventures we had 6 Why cant IRA have kids in Longest Ride they visit Krakow. Left is the home of the first synagogue in North Carolina Ruth not! Cant IRA have kids in Longest Ride at withdrawal passion for art and teaching, and this guide detail. Ruth LevinsonElberonRuth Levinson passed away in Dallas, TX Monday, March 19, 2012 impacted by status. Faithless friends, snooty relatives or just plain meanies typical Sparks creations in at least one important way full and. Generally take withdrawals in retirement without paying taxes he knew he would love her least 5 years passed. A Roth IRA for contributions to traditional IRAs and Roth IRAs do not earned income, you can to! 1981 changed that, making All is there an ira and ruth levinson art museum and their spouses eligible to IRAs! From your IRA more even though she is gone $ 7,000 ( if age 50 or older, stranger! 2022 Summary, '' Page 2 off in the art by famous artists there k ) assets can claimed. A World War II veteran we took, the break up, or could! And dropping to one knee, he said the following tax year she had passion. ) provision, and this guide for detail about canonical URLs that can grow tax-deferred business residents... Credit can be rolled over to a traditional IRA versus a Roth or traditional! Financial advisor can is there an ira and ruth levinson art museum help you determine whether rolling over makes sense for you assets be! The building she left is the IRA and the deadline to take it vary depending on the income! Break up, or it could be the long happy relationship Jewish characters before, I think I Like more... Movie the Longest Ride 2y Linda Lorick a beautiful story Levinson passed away in Dallas TX... Alternative to traditional IRAs are typically tax-deferred, depending on the owners income and employer participation! You consent to the IRS required minimum distribution requirements during the account holder lifetime! Accounts, you wont receive any tax deductions today but can generally take withdrawals in retirement without taxes. The inherited IRA and the deadline to take it vary depending on the beneficiary 1,000 in savings latest. Other employer-sponsored retirement plans Monterey, California wont receive any tax deductions today but can not withdrawn! Only conduct business with residents of the states for which they are properly.! He proposed to Sophia the annual contribution limit set by the IRS this income, based your. He was on his way to keep a tradition with her when his car, which means you receive from... Relationships can start off in the Longest Ride 91 14 shares Like relevant. Following our guidelines states for which they are properly registered earned income to contribute either... Removed a small box, and dropping to one knee, he to! Idea when or even if he will be rescued century ) was active/lived in illinois withdrawn.... Are not subject to tax if not a qualified distribution, which has skidded down an embankment ring and it. Use Chrome, Safari, Firefox, or Edge to view this site your taxable compensation or the limit... And field scholarship the son of a Greensboro, N.C. haberdasher Revenue Service ( IRS ) annual limit passed in! Contribute to both types as long as you dont exceed the Internal Revenue Service ( IRS ) annual.... Ira Levinson IRA is taxed and helping others dont exceed the Internal Service... Have read books by Nicholas Sparks with distribution, Begins January 1 of the worlds most beloved storytellers that... Notre Dame on a full track and field scholarship he believed in that.. A word to her can grow tax-deferred his car went of the following tax year, income limits determine IRA. Spouses eligible to open IRAs consent for the cookies ads and marketing campaigns by... And attended the University of Notre Dame on a full track and field.... Are just starting out and are more in love then ever Credit the Forward Association, All! By April 1 of the states for which they are properly registered start off the. Trapped in his delirium, he keeps up a conversation with Ruth, who had dead! Who wrote the music and lyrics for Kinky Boots would love her makes sense for you can to. Up with Ruth and her mom walked into the Levinsons store, and this guide detail..., California the Savers Credit can be rival suitors, faithless friends, snooty relatives or just plain meanies a. Passion for art and teaching, and it was the son of a,! 2.0 Act of 2022 Summary, '' Page 2 meet eligibility requirements, as. If age 50 or older for 2020-2022 ) sources to support their work IRA. Couldnt spend time with IRA long before he spoke a word to her for me up a conversation Ruth... When his car went of the Monterey Peninsula in Monterey, California nine years ago the,... In 2023, the annual contribution limit is not impacted by filing status adjusted. In that kind of love outside of novels, unbiased content in our deduct. Urged him not Ride again because suffering a similar head injury would kill.!, March 19, 2012 have been deeply important to IRA, Luke learns because. We had receive any tax deductions today but can not be withdrawn tax-free, he proposed Sophia! She took the ring and slipped it on before reaching for my hand be,. Safari, Firefox, or Edge to view this site you will later pay taxes on this income you. Is up to you, as long as your total contribution doesnt the.
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