December 2020 Issue

9 Financial Tips from a Wall Street Enthusiast

1. “Pay taxes on the seed, not the harvest.” When you invest in Roth IRAs and 401(k)s, you pay taxes on the money you contribute. Because you already paid the tax, no tax is collected when the money is taken back out. 2. Convert IRAs into Roth IRAs. Make after-tax contributions now, and you will enjoy tax-free withdrawals during retirement. 3. Convert 401(k)s into Roth 401(k)s. Make after-tax contributions now, and enjoy tax-free withdrawals during retirement. As an added bonus, companies often match some or all of the money you invest. 4. Utilize 1031 exchanges on Real Estate. There is a 6 month window to prevent payments on capital gains

Story of Hanukkah

Hanukkah is the Jewish Festival of Lights, celebrated to commemorate the rededication of the Holy Temple in Jerusalem after Judah Maccabee’s victory over the occupying Greek army in 165 BC. In the land of Judah, ruling Syrian King Antiochus ordered the Jewish population to reject all their religious beliefs and practices and worship Greek gods. For fear of the occupying Greek military that enforced King Antiochus’ decree, some Jews obeyed that command, but the majority chose to rebel against it. Thus were sown the seeds of what would ultimately become the celebration of Hanukkah. Fights broke out in a village near Jerusalem when Greek soldiers demanded that the Jewish villagers

Healing Water for My Soul

My love for healing water is the whole point for so many of the stories I tell and that I’ve told on the pages of Bella Magazine this year. The drops of healing water in my life are the moments of loving connection with others where I get the opportunity to share life with them, and they with me, with no strings attached. Some of these encounters this year have been a brief passing moment as I exchanged glances and a smile with someone, and other encounters have been for long chapters of my life that continue. There are so many times in this chaotic year when I have felt

HOW TO Celebrate the Holidays WITH SPECIAL DIETARY NEEDS

In 2008 I finally figured out that the health problems I had been experiencing for over a year were due to food allergies and sensitivities. There were a number of foods that caused my symptoms, the primary ones being gluten grains (wheat, rye, barley), corn, soy, and milk. I began to feel much better during the summer after I eliminated these foods. During the fall I began thinking about the Thanksgiving and Christmas holiday meals that would be coming up. I could not eat the traditional turkey dressing, green bean casserole, sweet potato casserole, or my mom’s pecan pie. Even the canned cranberry sauce was off-limits for me because it

Just As I Am

“What am I here for and what’s my purpose?” It’s a question we have all asked ourselves. We feel like we have an idea of our direction until, suddenly, a detour, a distraction, a new path grabs our attention. As a musician and songwriter, I know this cycle all too well. An original song might be in the works and a vibe going until all of a sudden a new chord or a new word piques my interest and changes everything. I like to diversify my music; however, I have learned one of the best ways for musicians to stay on a solid yet expanding track is by knowing their

Lights of St. Mary’s

On the frosty eve of Bethlehem, hazy nimbus of lamplight on cobblestones leads to the open doors of St. Mary’s. Within, eternal flame of brooding majesty burns above the ornate cupola. Towering pillars, angled arches, patterned concentric circles lofting above the altar — silent hints of the complexity of church history. Lambent stained windows and shadowed mosaic encircle the faithful with biblical messages. Ruby poinsettias amid pine-scented greenery flank altars ablaze with candles shedding their muted pools of empathy and bright sparks of hope this Christmastide. A tree-wrapped manger filled with new straw portends the good works of a parish to welcome the Christ Child! Lusty chorus of ancient carols

How much do you know about employee benefits?

It is the time of year when employees make their benefit selections. Many of them do not know what they are selecting, but next year thousands of dollars will be deducted from their paychecks to pay for benefits they know very little about. Many employees select the lowest premium plan without realizing that it does not cover the spouse’s prescription medications or the child’s therapy. A friend of mine recently came to me for assistance in selecting her family’s benefit plans for next year. She was handed an enrollment form to make her selections and no other information. When I started asking her questions, she could not answer them. There

Be Present

How far you go in life depends on your being tender with the young, compassionate with the aged, sympathetic with the striving and tolerant of the weak and strong. Because someday in your life you will have been all of these. – George Washington Carver The Celebration Issue! To tell you the truth, the final issue of 2020 is quite the celebration here at Bella. We made it through the year with innovation, collaboration, expansion, and a positive outlook on the horizon. We were blessed with the continuing support of advertisers and contributors who not only kept our Bella in print but allowed us to spread our mission wider and

PHOTO of the MONTH: MARGARET WARREN

And why, you may ask, is this man consigned to drinking his coffee under the breakfast table? He is a college professor, faithful husband, Navy officer, survivor of the sinking of the Block Island during World War II, family man, father of 3, and gentleman farmer. And the latter is how he ended up in the Warren substitute for a doghouse. You see, the Warrens at that time had a barn and a pony but no fenced paddock. Early every morning, my father would lead the pony out of the barn, up the driveway, past the house, and out to the front lawn. There he would tether the pony for