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Show Page 8 The Ogden Valley news Volume XXII Issue III January 15, 2014 Provident Partners Realty & Utah Lodging Moves Mayor Caldwell Commits to Riding to New Location: Continues offering great service His Bike to Work Every Day in 2014 Mich’l decided to make Ogden Valley the new home for his family after moving from the Las Vegas area several years ago. Eleven real estate professionals round out the roster of agents at Provident Partners Real Estate. Recognizing a gap in services available to Ogden Valley visitors, Leigh Ann started Utah Lodging—the valley’s largest property management company—with co-owner Chris Chessler of Eden. From one and two bedroom condominiums to large luxury estates, Utah Lodging offers a wide variety of lodging options for both shortterm rentals for vacationers, and longterm rentals for residents interested in staying a bit longer. Many of the shortand longterm renters turn into real estate clients once they are exposed to the valley’s many recreational PPR Representatives continue to offer great customer service. amenities, including its someone can be reached anytime to set up an natural beauty, relaxed atmosphere, and friendappointment. Provident Partners Realty (PPR) and Utah ly residents. Short-term visitors staying in Utah Lodging Lodging have been providing real estate and property management services to Ogden Valley, properties are treated to a generous welcome and beyond, for over ten years. Specializing basket full of local goodies, discounted lift in Ogden Valley real estate, from Huntsville tickets for Snowbasin and Powder Mountain, to Liberty, PPR represents buyers looking to coupons and discounts from local merchants, make this valley a part-time or full-time home. and the option to arrange an assortment of Sellers can take advantage of the wealth of real special services, ranging from personal grocery estate experience available from the profession- shopping and catered meals, to equipment rentals or babysitting. als at PPR. All of Provident Partners Real Estate’s Ogden Valley’s natural beauty and abundance of recreational amenities lured Leigh listings may be viewed on their website at Ann Fincher, PPR’s Principal Broker and co- www.UtahPPR.com, or call the office at 801owner, out of Texas and captured her heart. 745-6500. Utah Lodging rental listings are She has long since made Utah her permanent available at www.UtahLodging.com, or call the home. Associate Broker and co-owner Darin office toll-free at 877-775-6344. Where did they go? In case you were wondering, they just moved. Provident Partners Real Estate and Utah Lodging have a new home in Eden. They are now located at 2595 N. Hwy 162, Suites 2 & 3 in Eden, between Eden Design and Eats of Eden, just north of the post office. The new location is easy to find, easily accessible, and has a warm and welcoming atmosphere. Stop on by. The office is staffed six days a week, and Ogden Mayor Caldwell is turning in one set of wheels for another by committing to ride his bike to work every day in 2014. He made his first pilgrimage by bike this morning in frigid temperatures, along Washington Blvd., waving to bundled-up city employees unstringing thousands of lights that adorned Christmas Village. “It was definitely cold out there today, but I made a commitment to ride to work each day of this year to Mike bring awareness to our city’s bikeable streets,” Mayor Caldwell said. “My goal is to take our city from the bronze level of recognition we received last year to the gold standard of bicyclefriendly communities designated by the League of American Bicycles.” Mayor Caldwell will be tweeting about his rides and offering tips and advice to other bicycle commuters at his newly launched Twitter feed, @ OgdenCityMayor. Follow Ogden’s Biking Mayor in 2014 and join him as he offers a unique view of Ogden from the seat of his bike. Mike Caldwell Retirement Plan Limits Largely Unchanged in 2014 By Jason Alderman Anyone who’s bought groceries, filled their gas tank, or paid insurance premiums recently would probably be surprised to learn that, according to Department of Labor’s Consumer Price Index for Urban Consumers (CPI-U), the rate of inflation is relatively flat—only 1.2 percent from September 2012 to September 2013. That’s bad news for people who were hoping to boost their contributions to an IRA, 401(k) plan, or other tax-advantaged retirement savings accounts, since the IRS uses the CPIU’s September year-over-year performance to determine whether or not to make cost-of-living adjustments to many of the retirement contributions you and your employer can make in the following year. Here are highlights of what will and won’t change in 2014: Defined contribution plans. The maximum allowable annual contribution you can make to a workplace 401(k), 403(b), 457(b) or federal Thrift Savings plan remains unchanged at $17,500. Keep in mind these additional factors: • People over 50 can also make an additional $5,500 in catch-up contributions (unchanged from 2013). • The annual limit for combined employee and employer contributions increased by $1,000 to $52,000. • Because your plan may limit the percentage of pay you can contribute, your maximum contribution may actually be less. (For example, if the maximum contribution is 10 percent of pay and you earn $60,000, you could only contribute $6,000.) Individual Retirement Accounts (IRAs). The maximum annual contribution to IRAs remains the same at $5,500 (plus an additional $1,000 if 50 or older—also unchanged from 2013). Maximum contributions to traditional IRAs are not impacted by personal income, but if your modified adjusted gross income (AGI) exceeds certain limits, the maximum amount you can contribute to a Roth IRA gradually phases out: • For singles/heads of households the phase-out AGI range is $114,000 to $129,000 (increased from 2013’s $112,000 to $127,000 range). Above $129,000, you cannot contribute to a Roth. • For married couples filing jointly, the range is $181,000 to $191,000 (up from $178,000 to $188,000). Keep in mind these rules for deducting traditional IRA contributions on your federal tax return: • If you’re single, a head of household, a qualifying widow(er) or married and neither spouse is covered by an employer-provided retirement plan, you can deduct the full IRA contribution, regardless of income. • If you are covered by an employer plan and are single/head of household, the tax deduction phases out for AGI between $60,000 and $70,000 (up from $59,000 to $69,000 in 2013); if married and filing jointly, the phase-out range is $96,000 to $116,000 (up from $95,000 to $115,000). • If you’re married and aren’t covered by an employer plan but your spouse is, the IRA deduction is phased out if your combined AGI is between $181,000 and $191,000 (up from $178,000 to $188,000). • For more details, read IRS Publication 590 at <www.irs.gov> Retirement Saver’ Tax Credit. As an incentive to help low- and moderate-income workers save for retirement through an IRA or companysponsored plan, many are eligible for a Retirement Savers’ Tax Credit of up to $1,000 ($2,000 if filing jointly). This credit lowers your tax bill, dollar for dollar, in addition to any other tax deduction you already receive for your contribution. Qualifying income ceiling limits for the Savers’ Tax Credit increased in 2014 to $60,000 for joint filers, $45,000 for heads of household, and $30,000 for singles or married persons filing separately. Consult IRS Form 8880 for more information. Note: Jason Alderman directs Visa’s financial education programs. To Follow Jason Alderman on Twitter at <www.twitter.com/PracticalMoney> WSU CAMPAIGN cont. from page 1 gram provides free tuition and general student fees to Utah students who are Pell Grant eligible and whose annual household income is $40,000 or less. Hall noted the campaign aligns well with the university’s core themes of access, learning, and community, which date back to the original vision of Louis F. Moench, the first principal of Weber Stake Academy. “One-hundred-and-twenty-five years is a perfect opportunity to look back on our history and celebrate all the great things we’ve accomplished for so many students and graduates,” said WSU president Charles A. Wight. “It’s also a chance to look ahead. The Dream 125 campaign will secure a bright future for our students.” As part of its 125th anniversary, a daylong celebration was held January 7 on campus and in downtown Ogden, coinciding with the date the school first opened in 1889. Alumni and friends of the university were encouraged to wear purple in honor of the milestone. Anniversary activities are planned throughout 2014. To give to Weber State as part of the Dream 125 campaign, visit weber.edu/dream125 or contact the development office at 801-626-7628. Visit weber.edu/wsutoday for more news about Weber State University. ... Because life is too short to hate your hair. |