If you have, there is a good chance that you have black toe nail fungus. While this generally isnât a health issue, it can look very unsightly and cause embarrassment when your feet are showing. This has actually become quite a problem for people who like to walk around in public places without footwear.
Nonqualified Plans. IRS-qualified pension plans offer tax benefits to contributors, whether it is the employer or employee making contributions, or both. In many cases, however, tax deductibility is not an issue, as most contributions are made pre-tax, eliminating the need for tax deductions on your annual return.
Your employer has the option of setting up a payroll-deduction IRA for you. This is a basic retirement plan option that you control completely. Your contributions to this plan are not deducted from your taxable income on your W-2, meaning that your contributions are made on an after-tax basis. In addition, your W-2 will not indicate that you are a participant in an employer-sponsored retirement plan.