to a roth. you have to meet an income threshold, which is you have to earn less than $100,000 a year. but in 2010, there is no income limit. >> caller: okay. >> so what you do have to pay, not penalty, but you pay taxes if you earned that money. in this year, you would pay the tax come april. if you wait until january, the tax is spread over 2011 and 2012 doing a conversion from a regular i.r.a. to a roth. are you sitting there with a lot of cash just going unloved in your life that you could use to pay the tax bill that would be due on converting a regular i.r.a. into a roth? >> no. not really. >> then don't even think about it. >> caller: i'm just working part time. i lost my fulltime job. so i'm not making a whole lot. >> whatever you can start putting in to a roth now moving forward each year rather than contributing to a regular i.r.a. would be to your advantage, at least all future i.r.a. contributions should be roth i.r.a. instead of regular. >> wow, clark, thank you so much. that's exact

i am obsessed with something known as a roth account.account is where you get to save money for retirement with after tooks dollars but then when you retire, the money you contributed, plus everything you earned, is yours tax free. i love the roth because it is my guess the tax rates are likely to go higher over the next generation. but i have had people argue with me that congress is going to try to figure out a back doorway to seize your roth money and all that. i'm not into conspiracy theories. but i will tell you this. i have only said that really a roth and a regular i.r.a. have the same math. i would like you to get the tax bill out of the way up front. i'm going to tell you something about rothreirtirement.com. you can run the numbers on your age and situation and what you contribute to a roth and you will find most of the time you will end up with much more money over time doing the roth. i'm clark howard. for more ways for you to save dough, go to cnn.com/clarkhoward. >> clark will teach to you save more, spend less, avoid getti

and then i started listening to your program and you talk a lot about roth iras. >> yes. >> caller: so have my traditional ira says that it would cost me a lot of penalties and fees, i would have to pay some taxes. >> there's no penalty at all for going from a regular ira to a roth. you have to meet an income threshold, which is you have to earn less than 100,000 a year, but in 2010, there is no income limit. so what you do have to pay, it's not penalty, but you pay tax as if you earned that money. and this year, you would pay the tax come april . if you wait until january, the tax is spread over 2011 and 2012, doing a conversion from a regular ira to a roth. are you sitting there with a lot of cash just going unloved in your life that you could use to pay the tax bill that would be due on converting a regular ira into a roth? >> caller: no. not really. >> then don't even think about it. >> caller: right now i'm just working part-time. i lost my full-time job so i'm not making a whole lot. >> caller: whatever you can start putting into a roth now moving forward each year, rather than c

second, take the other half of the money that you have left, and open a roth account.a tax-free savings account where you put in after tax dollars. everything you earn is tax-free and you spend it tax free in retirement. you can put up to $5,000 each year in i roth and you are allowed at any time to withdraw the money that you contributed to it tax free and interest free. you must leave your earnings in the plan. if you did need the money for a down payment for the house or something like that, you have it as a stash of cash. i would rather you leave it alone, but if you need it, you can pull the money out. >> next on "clark howard" -- >> i'm noticing when they report it to the agencies that there's a very low balance and my score shot up 30 points in 15 days. >> you are a genius. if you're going to college, or back to college, that's your bullseye. it is for devry university students. in fact, for more than 30 years, 90% of all graduates in the active job market... had careers in their fields within 6 months. 90%. and all those offer letters up there? that's just from

second, take the other half of the money that you have left, and open a roth account.h year in i roth and you are allowed at any time to withdraw the money that you contributed to it tax free and interest free. you must leave your earnings in the plan. if you did need the money for a down payment for the house or something like that, you have it as a stash of cash. i would rather you leave it alone, but if you need it, you can pull the money out. >> next on "clark howard" -- >> i'm noticing when they report it to the agencies that there's a very low balance and my score shot up 15 points within 30 days. >> you are a genius. newshengng asough what to do. righabouthenoudoctor mentioned onat. he saieleases medicine continuouslyorhours. he said itould help with her cognition which includes ingsik memoasoning, communicatin anundersnding. e likelihoodndev ofhese sfe may increase as dose increases patients mayxperience loss of appetitor weight. paents who weigh less than 110 pounds mayxperience more side effects. perisk for stomach ulrsr whtake ain other medici ouk to tiroc c

>> you can put money into a roth i.r.a. so if you have a regular i.r.a.r a 401(k) at work and you can switch over to the roth, that's a good way to do because you'll never be taxed. >> thank you very much. a lot of good advice. appreciate it. >>> still to come, how to lose weight "biggest loser" style with healthy food swaps. you'll be surprised at what you can eat. >>> but up next, how to develop new friendships and why it's so important to connect with old ones, right after these messages. fact: your child could pick up the flu virus, even h1n1, from surfaces. but, lysol disinfectant spray has the power to stop the spread of cold & flu viruses. it's approved to kill more germs than any other brand. it even kills h1n1. lysol is the number one brand recommended by pediatricians. lysol. disinfectant to protect. also use lysol disinfecting wipes to kill flu viruses. bottom. needs work. sorry, son. [ female announcer ] you can't pass inspection with pieces left behind. it's soft and more durable. so you're left with a more dependable clean. fewer pieces left

francis roth is a senior editor with "health" magazine. great to see you. >> great to see you. >> the first thing you say is don't pay if you don't have a say. what does that mean? >> you know that if you choose to go to see a doctor whose out of network you'll pay more. sometimes you don't have the choice. if you are in an emergency room situation or if you're at the hospital and them use an anesthesiologist out of network you didn't get to pick the doctor so you shouldn't have to pay. >> can you say? >> you can. you send a letter to the insurance company and it's one of the weighing you can get really good results. >> and you say use a letter. that's the best way to make your point and make your case? >> absolutely. >> tell me about the kinds of things that state law might require that you be covered for that you may not know about? >> in vitvitro fertilization treatments. who would know that you get that coverage mandated by your state? >> there's a great website called families usa.org and you can find out what is covered by your state

i am obsessed with something known as a roth account. tax dollars but then when you retire, the money you have contributed plus everything you earned is yours tax free. now, i love the roth because it is my guess that tax rates are likely to go higher over the next generation. but i've had people argue with me that congress will try to figure out a back door way to seize your roth money and all that. i'm not into the conspiracy theory. i will tell you that. really a roth and a regular i.r.a. have the same math. i like for you to get the tax bill out of the way up front. let me tell you about something called rothretirement.com. it has a calculator where you can run the numbers on your age, your situation, what you contribute to a roth, and you'll find most of the time you'll end up with much more money over time doing the roth. i'm clark howard. for more ways to save dough, go to cnn.com/clarkhoward. >> clark has great advice and to get more of it, tune in every saturday and sunday at noon and 4:00 p.m. eastern time right here on hln new

francis largeman roth is a senior editor with "health" magazine. frances, great to see you. >> great to see you, gerri. >> the first thing you say is don't pay if you don't have a say. what does that mean? >> you know if you choose to go to see a doctor who is out of network you're going to pay more. but sometimes you don't have the choice, if you are in an emergency room situation, or if you're at the hospital and they use an anesthesiologist who is out of network, you didn't get to pick that doctor so you shouldn't have to say it. you can send a letter to insurance company and it actually is one of the ways you can get good results. >> and you always say use a letter, that's the best way to make your point, make your case. >> absolutely. >> let's talk a little bit about the kinds of things that state law might require that you be covered for, that you may not know about. >> in vitro fertilization treatments, those vary state to state and that's something who would know that you get that coverage mandated by your state but there's a great website

to a roth. an income threshold, which is you have to earn less than $100,000 a year. but in 2010, there is no income limit. >> okay. >> what you do have to pay, it's not penalty but you paid tax as if you earned that money. if you wait until january, the tax is spread over 2011 and 2012 doing a conversion from a regular i.r.a. to a roth. are you sitting there with a lot of cash just going unloved in your life that could you use to pay the tax bill it would be due on converting a regular i.r.a. into a roth? >> no. not really. >> then don't even think about it. >> right now i'm working part time. i lost my full-time job. >> whatever you can start moving forward each year rather than contributing to a remember i.r.a. would be to your advantage. at least all future i.r.a. contributions could be rothi.r.a. rather than another. >> that's exactly what i needed to know. i'm sorry it's been tough throughout going full time to part time. the economy is recovering and jobs recovered later but eventually th

mason: tracy smith takes us inside the no holds barred world of nursery school admissions with richard rothsneak a peek at britain's most provocative calendar girls and susan spencer lets us gaze upon the legendary hope diamond. and much more. first the headlines for this first sunday morning of our 31st season, september 27, 2009. iran's government now says it will allow the u.n. to inspect that previously secret nuclear facility. but it won't say when. the the uranium enrichment plan is still under construction. the obama administration says inspectors must have unfettered access to it. the government of the philippines has declared a state of calamity in the aftermath of the worst flooding that nation has seen in 40 years. the typhoon left more than 100 people dead or missing. police in switzerland are holding film director roman polanski on a 31--year-old arrest warrant. he pleaded guilty to having sex with a 13-year-old girl. he was in spits switzerland to accept a lifetime achievement award at a film festival. hundreds of mourners paid last respects to annie le at a funeral in the tow

here's the cool thing about a roth. you can put money into it for long-term savings. but if you have an emergency, you can pull your contributions out at any time tax and penalty free. >> and clark could be your money coach, too. the lark howard show airs saturdays and sundays at noon right here on hln. in this struggling economy, clark will help you to save more, spend less, and avoid getting ripped off. >>> former congress man tom delay has made the cut on "dancing with the stars," but do his former colleagues think that delay has all the right moves? you'll hear their critiques. [ female announcer ] olay regenerist is on a roll. new anti-aging eye roller. reduces puffiness immediately -- and also helps with lines and wrinkles. not surgery. this is our way to do ur eyes. new regenerist anti-aging eye roller. it's not the new lexus. 's not the new bmw. it'sbot the new audi. what it is... is impossible to resist. the new twenty-ten lacrosse from buick. it's the new class of world class. thanks. i got the idea from general mills big g cereals. they put a white check on

you would think it's a bad day for intel, yet roth upgrading numbers today, including intel. they also upgraded volume terra, and marvel, which hits a new high again today after microdevices and texas instruments said things were looking better in the communications chip better. asml also boosted its outlook this is a chip equipment company. it's the smaller-cap names that seem to be getting more of a lift off thinks preannouncements and off these upgrades, and, larry, some of that i'm hearing from traders is they have run so much as we're looking here inle september, they're looking for a little bait on some of the names that may not be as big. back to you. >> thanks very much, berth that. >>> consumer sentiment rising to its strongest level in three months, this as consumers expect improvement in the economy. joining us to discuss what it means for the economy, tom higgins. steve liesman, symptom, i want to ask you, import prices up. what do you make of it? >> well, a rise in important price says more a function of energy costs. ex-fuel still going up. i don't mean to be ru

intel upgraded over at roth capital. the firm saying that the chipmaker is poised to profit from the upgrade cycle. microsoft windows 7 and apple's snow leopard operating system. intel shares tonight in active trading, actually, on intel on the upside. as you can see, gaining up. intel down about 1.25%. women's apparel ann taylor upgraded by fbr capital markets. the analyst is telling clients he's hiking the price target on the stocks, $19, up from $13. they're citing improved merchandise, and rising consumer sentiment. ann taylor shares tonight higher. >>> the italian brand that seemingly a step ahead of the competition. the state of retail and the global economy with the boss at a footwearmaker. >>> a year after lehman brothers collapsed, we look at lessons learned and whether too big to fail is still a legitimate question. many argue there are many too bill to fail operations. eseseses >>> welcome back. it was one year ago, the week of september 14th, that lehman brothers collapsed, filed for bankruptcy. bank of ameri

second, take the other half of the money that you have left, and open a roth account.in after tax dollars. everything you earn is tax-free and you spend it tax free in retirement. you can put up to $5,000 each year in i roth and you are allowed at any time to withdraw the money that you contributed to it tax free and interest free. you must leave your earnings in the plan. if you did need the money for a down payment for the house or something like that, you have it as a stash of cash. i would rather you leave it alone, but if you need it, you can pull the money out. >> next on "clark howard" -- >> i'm noticing when they report it to the agencies that there's a very low balance and my score shot up 30 points in 15 days. >> you are a genius. ( clicking ) ( laughs, click ) when you hear a click, ( clicking ) you know it's closed and secure. that's why hefty food bags click closed. hefty! hefty! hefty! so you know you've helped lock in freshness and lock out air... to help prevent freezer burn. be sure it's secure with hefty food bags. just one click and you know it's clo

and enter, sally roth. >> i thought what can i do 20 help? i'm a gardener.ant zucchini. >> there it is. sally's famous gourd sold. it's nice to see americans pull together. >> i'll grow a giant zucchini. >> thank you. >>> from the criminal mastermind file, lisa newsome was busted in atlanta this week, after boosting a case of beer from the convenience store. the surveillance tape shows us her method. she uses the la ma's method. that's putting the 20-pound case between her thighs. that's how our crew settles disputes most mornings here. >> i have $20 on scottie. >> find a way to open that now. >>> imagine australian eric ratzu's surprise, in a recent ret room visit, when he discovered a nine-foot python living in his toilet. it took a snake wrangler four tries to get it out there. >> snakes in a potty. >> fellas, next time you forget to put the seat down, there's your defense. you're saving that lady from reptilian attack. >>> south carolina's loni holloway lived a full life. and he wanted to be buried with his guns in the front seat of his 1973 pontiac cata

congressman roth gss got what ld like a way too sweet deal when he shared profits with a drugstore chaincongressman ross still has not responded to our requests to appear on this show, which are absolutely sincere. but we did release statements today attacking propublica telling the arkansas democrat gas set today about the drugstore chain with whom he did he property deal. he said, quote, they're not into politics, they're into running a successful business. my being in congress had absolutely nothing to do with it. they're not into politics. anyone could have cut them a sweet deal like this from that drugstore chain. that company doesn't care at bull what happen all what happens in health care. a couple of years ago right after congressman ross got paid all that sweet, sweet deal money for that property. the head of the drugstore chain that paid him the money, told the arkansas democrat gazette said universal health care will ruin our health care in america. there will be long lines, they won't be able to treat everyone. doctors will not want to go into medical school. there will be lo

intel getting up over at roth capital partners. the chips overall are chip resting today. quite a bit of profit taking in that area of tech because it's been one of the strong performers over the last few days as the nasdaq has risen. interesting this week, we've spent a lot of time talking about apple with steve jobs coming back and making the performance. but take a look at yahoo!. one of the strongest performers as far as the big caps on the nasdaq. the big tech caps, earning upgrade this week. some chipper comments from carol barts yesterday on squawk box. the stock is up 7%. winn resort is one of the biggest winners on the week on the nasdaq 100, in part because of a report it looks like they're going to get clearance for $1 billion ipo in hong kong. that's offering a big stake in their mccow holdings there, so they can build a second casino. and oracle, all this week, has been logging new highs. oracle set to report next week, expected earnings of 30 cents on the bottom line, with revenues of about $5.25 billion. sharon has been down at the ninex all week. >> it's be

. >>> a banner ssac rothe georgetown bark aimsit's the friendliest foemth bu. t mr.mrisoy en fdlto t so f fendly to y esus o whuses a wheelchair. and now, theysusuinthg g e for discrimination. audrey barns has more. >> it had is a slap for me in the face and for the community. >> the 24-year-old, they are just feeling the discrimination. they encountered it at his bar in georgetown. when he showed up in january, with three friends and tried to head to the back by the piano, he was stopped. >> i was told by a manager that i was not allowed to go to the back of the restaurant because the bar was too crowded and that it was a fire hazard. >> reporter: he could stay if he sat in the corner upfront and out of the way. he's now sue the bar for -- suing the bar for discrimination. >> the ultimate goal is for him to do the right thing. i don't want anyone else to be put in this situation. >> reporter: the committee is representing price. laws protecting people with disabilities, they are clear. >> this is a civil right's issue. >> the management at mr. smith, they didn't wan

now, here is a flawed masterpiece by philip roth. a writer with stunning gets. i mean it is flawed only because it seems to be that he didn't really follow@ t obvious elements of race that included, that were invold, that for more than peripheral to this story. these markers are here so i n't have to read the book again. not so i don't have to read it again but so that certain things that really struck me i can go right to them and they are the sentences, the passages. ere things that helped me understand the way in whi the stcture was organized. >> is that color coding there with the green and blue? >> sometim. sometimes it only means that iran out of blue. other times i have come at other times i will figure out when i go back that one color means the passage that i rlly liked and the others are the ones that i like let's and another will be the ones that i liked less than thether two. >> in depth airs like it noon stern on the first sunday of each month on booktv on c-span2. log on to booktv.org for information about upcoming guests. >> stephen meyer, directo

now, here, is, a flawed masterpiece by phillip roth. a writer of stunning gifts. i mean, it is flawed only because it seems to me that he didn't really follow the obvious elements of race included that were involved, that were more than peripheral to this story. these markers are here so i don't have to rd the book again. that's why i don't have to read it again. so really certa t

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given calendar year, plus segregated into a tax-free and that can be rolled over penalty- free into a rothso a great way to jump up the savings if they can afford to live on savings while they're deployed. >> and a big thing too, financial issues when leaving the military. it's a whole new world if you're coming out right now. it's hard to find a job out there and save money, but you have some tips. first up, understanding compensation package and also overpaying on retiree benefits, things not to do. financial issues when leaving. >> let's go ahead and start with understanding the compensation package. when i left the military back in 1990 as a young captain, i didn't really understand how valule my military compensation package was. just to give you an idea what that looks like today, for a mid-level noncommissioned officer, say an e-6 with 10 years of experience, if they're going to come out in the d.c. area, they're going to need to pull in about 65 to $70,000 a year to replace their military income and benefits. and a lot of folks that are getting out of the military are really undere

racism or the majority of the rhetoric he is hearing, do you agree with that or agree with congressman roth wloerz saying, look, the vast majority of this is people expressing deep-seated concern. >> neither of the above. the woman who asked me that question was a advocate. she came out of deep lunacy. i will say these are the people that called george bush hitler. i ran against one who said the queen elizabeth was a drug dealerment my response was i didn't think she dressed nearly well enough to be a drug dealer. but here's the mistake i think conservatives have made and they're paying for it now. that is they were happy to see -- yeah, there were angry average people. but there was some crazed people. there were lunacy people. there were people from very right-wing groups that are not part of mainstream conservatives. they were very happy to let them go out and attack democrats. then they began to worry because oh, wait a minute, we have more rational arguments. and they wanted to pull back from the death penalties and et cetera. by the way, the democrats made it previously. there is a re

. >> our sister network cnn, of course, covering this too, and richard roth from our sister network saying that actually president obama to that point he was making about the united states interfaced with other countries around the world will be more widely welcomed in this meeting than perhaps in the past. even some of the delegations from other countries taking pictures as, again, president obama speaks to the general assembly at this moment. perhaps calling for more cooperation from countries namely to stop the spread of nuclear weapons and poverty. one of the issues we can expect. we're going to listen to what the president is saying. and what we're going to do is get you the sound bites and play them later throughout the show. we're going to get into other news right now, though, for you. >>> moving over to business. nothing is worse than getting stuck with overdraft fees after using your debit card. can you imagine that? and now there are some changes coming to help you out with that. jen westhoven, we don't associate a lot of fees with debit cards, it's credit cards. >> except for t

. >> hurt so good, linda roth. >> yeah. okay. break it down for me.t wab john mellencamp, yeah, both of them. break it down in terms of rail versus trucking versus all the different ways to move this stuff. has anyone got an advantage? >> well, i mean, rails traditionally are a little more defensive than the trucking market. however, what's been a real surprise for us and i think the market, as well, is the lack of demand for coal during this cycle. coal carloads would be down 3%. we're seeing them down around 8%. a lot of that has to do with, you know, the unseasonably cool summer that we had. also the cheap price of natural gas and the large stockpiles and utilities is holding demand to a low. and also on the ag side, typically during most cycles, you see ag down not as much as we're seeing right now and that's been the biggest surprise. that's usually able to articulate the steel and metals. >> okay. we've got to go. i was going to ask him one more, but i'm going to listen this time. i don't know why. >> wow. you're not going to -- >> she sounded u

the stock-type choices available to you in a retirement plan at work, like a 401(k) or if you do a roth, save like a maniac. you'll be amazed how much money you'll end up with by the time you do decide you don't want to work anymore. >>> next on "clark howard" -- >> well, all that stuff is going to take seven years from not when you turned 18, but when you stopped paying on all of these things. it will be seven years before those things completely stop harming you. ? >> caller: wow, that's not good. you know what's complicated? shipping. shipping's complicated. not really. with priority mail flat rate boxes from the postal service shipping is easy. if it fits, it ships anywhere in the country for a low flat rate. that's not complicated. come on. how about...a handshake. alright. priority mail flat rate boxes only from the postal service. a simpler way to ship. it's not always easy living with copd, but i try not to let it hold me back... whether i'm at the batting cages... down by the lake or... fishing at the shore. i'm breathing better... with spiriva. announcer: spiriva is the only o