Taboo no more, I declare wine and chocolate off the naughty list! Many of us are looking for reasons to sip on red wine and enjoy some chocolate without guilt. Doing research online, here is what I found to back my rationale: A study in the journal of Neurology found chocolate may help the elderly keep their brains healthy. Participants who drank two cups of cocoa daily for 30 days showed an 8.3 percent increase in blood flow to the brain, and they improved their scores on memory and thinking tests.

Investing is tricky and typically we are looking for the best return which often means moving money along the way. The IRS has always allowed certain individuals to convert their Traditional IRAs to Roth IRAs as long as they met specific qualifications and paid income tax on the conversion.