Cats' Bats Go Silent at Ocean State

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SOUTH KINGSTOWN, R.I. -- Ocean State built a six-run lead before the North Adams SteepleCats to get a run across the plate in a 6-1 Waves' win on Friday in the New England Collegiate Baseball League.
 
Elijah Dunham went 3-for-4 with a pair of home runs for Ocean State.
 
Matt Koperniak drove in the lone run for the SteepleCats in the top of the ninth.
 
The SteepleCats managed just one hit in the loss.
 
North Adams (19-12) returns home for the first time in five games on Saturday to play Newport in a rare 1 p.m. matinee at Joe Wolfe Field, site of the La Festa Baseball Exchange on Saturday evening.
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Be Creative When Withdrawing from Retirement Accounts

Submitted by Edward Jones

Like many people, you may spend decades putting money into your IRA and your 401(k) or similar employer-sponsored retirement plan. But eventually you will want to take this money out – if you must start withdrawing some of it. How can you make the best use of these funds?

To begin with, here's some background: When you turn 70 1/2, you need to start withdrawals – called required minimum distributions, or RMDs – from your traditional IRA and your 401(k) or similar employer-sponsored retirement plan, such as a 457(b) or 403(b). (A Roth IRA is not subject to these rules; you can essentially keep your account intact for as long as you like.) You can take more than the RMD, but if you don't take at least the minimum (which is based on your account balance and your life expectancy), you will generally be taxed at 50% of the amount you should have taken – so don't forget these withdrawals.

Here, then, is the question: What should you do with the RMDs? If you need the entire amount to help support your lifestyle, there's no issue – you take the money and use it. But what if you don't need it all? Keeping in mind that the withdrawals are generally fully taxable at your personal income tax rate, are there some particularly smart ways in which you can use the money to help your family or, possibly, a charitable organization?

Here are a few suggestions:

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