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  • Evening Coffee: Don’t forget about the coming changes to Roth IRA conversions

    Starting January 1, 2010, the income limits on Roth IRA conversions will be eliminated, meaning that anyone can convert a traditional IRA to a Roth IRA, potentially avoiding future tax consequences. Five Cent Nickel mentioned an interesting loophole for those whose incomes make them ineligible for direct contribution to a Roth: make a non-deductible contribution to a traditional IRA, and then convert the traditional IRA. It’s something to think about if you’re currently ineligible for the Roth. (But consider this before making the decision to covert.)

    Martha Stewart is giving away a different prize every day this month from Grandin Road, which seems to sell a lot of home decor.

    Get a printable coupon for $5 off E.P.T. These are apparently about $5 at Walmart. And if you’re hoping for a special present in nine months, good luck!

    A Thrifty Mom is giving away $50 Sears gift cards. I didn’t see an end date, so enter asap.

    Totally Together Reviews is giving away an HP TouchSmart Computer. Ends 12/24.

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