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.
1 IRAs are legally allowed to charge annual maintenance fees; many are $30-$50, others are as low as $20 or as high as $200 or more. 2  The annual fee may be waived or larger accounts, and some IRAs are set up with no annual maintenance fees. Some IRAs have a set-up fee of $25-$150 or more, and a termination fee of $50-75. 2  They might charge $25-$75 an hour for doing research, or $2-$3 a page for making copies.