Calcium and Dairy. Foods classified by the USDA as dairy products supply calcium to the diet. Calcium is stored in your bones, which makes them dense. Too little calcium in your diet can increase your risk of developing low bone density and fractures.
For example, say that your traditional IRA has a cost basis of $30,000 and is worth $100,000 when you take a $10,000 withdrawal. That means 30 percent of the withdrawal comes out of your cost basis and is tax-free; 70 percent comes from the remainder of the account and is taxable.
Example: Mr Gibbs has a non-deductible traditional IRA that has a value of $30,000 and a $12,000 basis of after tax contributions. He also has a traditional IRA valued at $210,000 consisting of a rollover from a QRP plus some deductible IRA contributions. If he withdraws the $30,000 from his non-deductible IRA he must prorate the basis across his aggregate IRA balances. The basis computation: $12,000/$240,000 x $30,000 = $1,500. Thus $28,500 of the withdrawal would be taxable and the basis in the non-deductible IRA would now be $10,500.