Author: Bob Lin

Illinois does not tax distributions received from:

• qualified employee benefit plans, including 401(K) plans; 
• an Individual Retirement Account, (IRA) or a self-employed retirement plan; 
• a traditional IRA that has been converted to a Roth IRA;
• the redemption of U.S. retirement bonds; 
• state and local government deferred compensation plans; 
• a government retirement or government disability plan, including military plans; 
• railroad retirement income; 
• retirement payments to retired partners; 
• a lump sum distribution of appreciated employer securities; and 
• the federally taxed portion of Social Security benefits

According to Adler Planetarium, Chicagohenge will peak between March 20 and March 23. Park yourself on an east to west running street just after sunrise or before sunset, and watch the spectacle radiate over the City of Chicago! Some favorite spotting locations include between Kinzie and Madison as well as E Randolph Street between N State St. and N Michigan Avenue. However, many downtown east-west streets will frame the rising or setting sun in a picturesque manner.

For the full Chicagohenge experience, you can capture the phenomenon along Washington Street from Millennium Park. According to timeanddate.com, on Sunday, March 20, the sun will rise at 6:53 am and set at 19:02 pm. On Wednesday, March 23rd, it will rise at 6:48 am and set at 19:06 pm.

For tax year beginning January 1, 2021, Illinois exemption allowance is $2,375 per exemption. Here are two examples.

Example 1: If someone else can claim you as a dependent like a student and your Illinois base income is greater than $2,375, your exemption allowance is 0.

Example 2

If someone else can claim you as a dependent like a student and your Illinois base income is $2,375 or less, your exemption allowance is $2,375

Required minimum distributions (RMDs) are withdrawals you have to make from most retirement plans (excluding Roth IRAs) when you reach the age of 72 (or 70.5 if you were born before July 1, 1949).

所需的最低退休提款 (RMD) 是您在年满 72 岁时必须从大多数退休计划（不包括 Roth IRA）中提取的款项（如果您在 1949 年 7 月 1 日之前出生，则为 70.5 岁）。

The amount you must withdraw depends on the balance in your account and your life expectancy as defined by the IRS. 

您必须提取的金额取决于您帐户中的余额和 IRS 定义的预期寿命。

RMD Tables

比如：假如您的退休账户总数为$100万，那么在72岁这一年您就必须从这些账户中至少领取$100万 x 3.65% = $36500。

* 当然这是必须满足的最少数额，您完全可以领取更多，甚至全部。

* 所有领取的数额都按当年的收入纳税。

With Envira Gallery, a WordPress Gallery Plugin, you can create Photo & Video Galleries for your Site easily. This video shows you how to edit Envira Gallery in WordPress.   

1. After login, click Envira Gallery on the left pan.

2. Click on Customize Your Site

3. Click on edit icon

4. Click on Edit Menu

5. You have option to Remove a menu

6. To add a new menu, click on Add Items

7. Type New Page and then click Add

8. Click on Publish

9. Copy the Envira Gallery Code in All Galleries

10. Click Pages

11. Click Edit under the Page you just created, Moon Photos in our example.

12. Enter the code you copied from Envira Gallery. 

13. Click Preview to make sure it works.

15. Click Update to publish the page

16. This is the result

Please view this step by step video:

With Envira Gallery, a WordPress Gallery Plugin, you can create Photo & Video Galleries for your Site easily. This article shows you how to do so.  

1. After login, click Envira Gallery on the left pan.

2. Click on Add New

3. Enter title

4. Drop files and Select files

5. You have options to modify the webpage such as Config, Lightbox, Mobiles…

6. After uploading the photos, click Publish.

7. You can copy the Envira Gallery Code for the webpage

Please view this step by step video:

2021 and 2022 traditional & Roth IRA contribution limits

Total annual contributions to your traditional and Roth IRAs combined cannot exceed:

• 2021: $6,000, 2022: $6,000 (under age 50)
• 2021: $7,000, 2022: $7,000 (age 50 or older)

2021 — You are covered by a retirement plan at work

2021 — You are NOT covered by a retirement plan at work

2022 — You are covered by a retirement plan at work

2022 — You are NOT covered by a retirement plan at work

Roth IRA contribution limits and eligibility are based on your modified adjusted gross income (MAGI), depending on tax-filing status. Partial contributions are allowed for certain income ranges.

Traditional IRA contributions are not limited by annual income.

Find out which IRA may be right for you and how much you can contribute. Calculate your IRA contribution limitOpens in a new window

2021 & 2022 Roth IRA income requirements

2021

2022

Example 1: Married (filing joint returns) with
Modified adjusted gross income (MAGI) $171,000 and covered by a retirement plan at work. No tax deduction applies, and you can contribute Roth IRA only (not tradition IRA).

Example 2: Married (filing joint returns) with
Modified adjusted gross income (MAGI) $171,000 and spouse is not covered by a retirement plan at work. The person who is covered by a retirement plan at work can contribute $7,000 Traditional IRA. Another person can
can contribute Roth IRA only (not tradition IRA).

思路1：要找光源 – 霓虹灯、路灯、车灯，甚至是地面的反光，手中的闪光灯， 手机等

思路 2： 找反差 – 利用灯光的暖色调与雪地的冷色调形成冷暖反差，冷暖色在同一画面中体现。

思路3：找细节，特写画面拍好一个细节特写，身边的细节随时都有，选择有特色，有对比的细节拍摄局部小景通过光影的局部来展现雪景的另一种美

思路 3： 正确使用闪光灯 – 在白天拍摄时，我们往往要选择暗背景，来衬托出白色的雪花；而在夜晚开闪灯拍雪花却恰好相反，需要选择稍亮处作为背景。理由很简单，因为夜晚的环境光本来就不足，开启闪光灯更是会进一步“压暗”背景。

思路 4： 使用慢门 – 夜景在霓虹灯的照射下，如梦如幻，宛如仙境，而夜景是很适合慢门的。使用稍慢的快门速度 1/10 秒

思路 5：逆光拍摄 – 可以借助灯光营造出梦幻的光影效果，逆光无疑是很好的选择，逆光拍摄比正面打光更加容易，光源也更好选择，例如车灯、路灯等都是很不错的光源。而且，逆光拍摄可以直接将主题拍摄为剪影，控制起来也更加简单。

思路 6： 拍出雪花 – 雪花飘落的长度，密集度都可以通过调整iso和快门来调整。如果想拍摄颗粒状的雪花，就调高iso，把快门调快到1/100秒以上。

Alabama:

Alaska: Whales, Glaciers, waterfalls, eagles and mountain goat,
Bears Wild photography. Reasons: July.

Arizona: Sedona, Flagstaff, Monument Valley and Canyon de Chelly stunning landscapes, sunrise, sunset or night sky. The best reasons: April or fall.

California: Death Valley And Alabama Hills
landscape and night sky Photography. The best reason: Spring.

A coastal redwood forest: Redwoods National Park, Prairie Creek, Del Norte Coast and Jedediah Smith Redwoods State Parks. Reason: Summer.

Colorado: Lakes, Waterfalls and Night Skies of Rocky Mountain National Park Photography. The best reason: Summer.

Alpine lakes fall color. Reason: fall.

Hawaii:

Illinois:

Maine: Monhegan Island from Monchiggon, Algonquian for ‘out-to-sea island’, about ten miles off the rocky Maine coast. Reasons: Summer and Fall.

New Mexico:

Oregon:

Tennessee: Great Smoky Mountains National Park. Reasons: Spring, Summer and Fall.

Utah; Capitol Reef, Monument Valley landscape and night sky. Reasons: Spring and summer.

Washington: Palouse – from the Washington/Idaho border, circling north over the Palouse River to capture the backroads and farms that form one of America’s most unique regions. Travel to the agricultural heart of the northwest where fields of wheat and lentils roll gently into the distant, surrounding mountains. Begins at the top of Steptoe Butte, a 400 million-year-old overlook, as sunset hues warm the landscape below. Explore the ghost town of Elberton where a great fire and the Great Depression sent inhabitants looking for a better life. Ecosystems collide at Kamiak Butte where a rich forest of pine and fur falls away to sage desert below. Reasons: may to September.

There are multiple ways to manage Google Thermostat temperature on a phone. This video shows how to do so.

1.Manage current temperature

On your Thermostat app, tap – to decrease or + to increase the current temperature.

To change the time, tap the time icon.

You can select the Star and End Time.

2. Use Temperature Presets

Tap Settings icon

Tap on Temperature preferences

Tap Temperature presets

Tap the Ready-made preset, for example Comfort.

Adjust the temperature by tap – or +,

And then Save.

Please view this step by step video: