Keep More of Your
Money This Tax Season.
Saving more for retirement with a
Ridgewood Flex IRA CD
could mean paying less in taxes.¹
2.05% Flex IRA CD APY2
Open today with as little as $100
and add funds anytime.³
With a deposit4
Caribbean Life, February 14-20, 2020 27
Flex IRA CD
Flex IRA CD
1. Please consult your tax advisor. Contributions permitted up to legal limits. Deposits
to an existing IRA account will be reported by the Bank for the year in which the
deposit was received by the Bank. In order for a deposit to an existing IRA account to
be reported for the prior calendar year, the deposit must be made in person and
received by the Bank prior to the applicable IRS deadline. | 2. Annual Percentage Yield.
Early withdrawal penalties apply to Flex IRA CD accounts. Each Flex IRA CD may only be
opened as part of an Individual Retirement Account relationship. Rates and terms are
accurate as of 1/13/2020 and are subject to change without notice. Fees could reduce
earnings. Maximum deposit is $250,000. Retirement accounts held by a person at
Ridgewood Savings Bank are generally insured by the FDIC up to a total of $250,000.
Additional terms and conditions apply. | 3. Additional contributions must be made in
at least $20 increments. | 4. Free gift given after any amount of new money is deposited
into a Ridgewood Flex IRA CD. We reserve the right to substitute an item of similar
reserved. Member FDIC
Making Sense of the Census
Hi, I’m Julie Menin, Census
Director for New York City.
The 2020 Census is almost
here, and we need every New
Yorker counted. Here’s what YOU
need to know.
The 2020 Census goes live on
March 12th, and it’s easier than
ever to participate. You will be
able to respond online, over the
phone in 13 languages, or by mail.
It’s only about 10 questions, and it
only takes a few minutes.
The census is for everyone, so
make sure that everyone in your
household is counted. That includes
newborns, seniors, people
who aren’t on the lease, and undocumented
So why get counted?
The census determines our
federal funding for vital programs
like education, housing,
and infrastructure. It also determines
how many seats we get
in Congress, and the data it produces
will shape our communities
for the next decade.
Finally, the census is safe. By
law, all your personal information
is confidential. The Census
Bureau cannot share it with anyone
– not your landlord, the police,
or even other government
In 2010, only 61.9% of New
Yorkers self-responded; the national
average was 76%. We must
do better, and we only get one
NYC, let’s make it count!
“Making Sense of the Census”
is a weekly column from Julie
Menin, Director of NYC Census
2020 and Executive Assistant Corporation
Counsel, NYC Law Department.
Every week we will be
publishing pieces from Julie and
guest authors laying out the facts
and answering tough questions
about this year’s census. Starting
March 12, you’ll be able to fill the
census out at my2020census.gov.