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Personal Finance FAQs
What do you do for a non-spouse beneficiary receiving a required minimum distribution (RMD) when the plan terminates? Is the purchase of an annuity the only option? Any thoughts on whether an IRA could be opened?
What's the difference between a bank guarantee and a letter of credit?
Upon my death, will the beneficiaries of my IRA be compelled to take the entire amount in the IRA as ordinary income, forcing them into unusually high income tax brackets?
What is the difference between a Traditional and a Roth IRA?
What are the risks of investing in a bond?
Which is a better measure for capital budgeting, IRR or NPV?
I am in the second year of taking SEPP distributions from my IRA. Can I transfer some of the funds to a new IRA with different investment options?
Are credit cards and debit cards considered debt instruments?
What is the difference between a compiled and a certified financial statement?
Can my spouse and I combine our Traditional IRAs?
How can I make sure I get all my eligible deductions?
When am I not required to submit a social security number on my tax return?
Why does the majority of my mortgage payment start out as interest and gradually move toward mostly principal?
What is a subprime mortgage?
Can I roll the funds in an SEP-IRA over to a profit-sharing plan or self-directed retirement vehicle?
How do I open a Swiss bank account, and what makes them so special?
What is the Razor/Razorblade model?
What is a "dog and pony" show?
I am self-employed and do not need most of my IRA RMD for expenses. Can I reinvest it in Roth IRAs?
Who qualifies as "single" for tax or retirement purposes when spouses do not live together?
I work for a university, and I have a 403(b) with TIAA-CREF. But TIAA-CREF says I cannot transfer money to another provider. Can they prevent me from transferring my money to a better investment?
I am considering taking a loan from my qualified retirement plan. What is the definition of a "reasonable interest rate"?
My Traditional IRA has been converted to a Roth IRA. Can I still make a qualified withdrawal as a first-time home buyer?
Can I borrow from an IRA without penalty?
I've come into a large amount of money. Should I invest it or pay off my mortgage?
I am the beneficiary of an IRA and a Keogh. Can I combine them into one plan?
If an IRA owner dies after starting required minimum distributions (RMD) but the spouse is under 70.5, can the spouse roll over the IRA into his/her own IRA, and stop RMDs until age 70.5?
What's the difference between net present value and internal rate of return? How are they used?
How do I figure out my cost basis on a stock investment?
My company has three partners but plans to hire more this year. Would we be better off with an SBO-401(k) or a SIMPLE IRA?
I deducted my IRA contribution on my tax return but failed to transfer the funds. What do I do?
If an employee is paid by commission, who is responsible for withholding taxes?
How do I get credit for my retirement plan contributions?
How can I easily get ready for next year's tax season?
How do I calculate my gains and/or losses when I sell a stock?
I have a small business (LLC), which I operate part-time. I also work full time for a company and am enrolled in a 401(k) plan. Am I still eligible to make contributions to an individual 401(k) from earnings of my part-time LLC?
How long does an IRA beneficiary have to take an RMD after the IRA holder dies?
What should I consider when I select an executor for my will?
What is a gatekeeper?
What is an entrepreneur's elevator pitch?
Can I return funds to my Traditional IRA after taking a distribution?
What is inflation and how should it affect my investing?
My old company offers a 401(k) plan and my new employer only offers a 403(b) plan. Can I roll over the money in the 401(k) plan to this new 403(b) plan?
Is my 403(b) account owned by me or by the institution?
My wife and I both converted our Traditional IRAs to Roth IRAs in Dec 1998 and have invested the maximum amount each year to date in the Roth. I am purchasing a new home in January. Do my wife and I each qualify for a one-time, tax-free $10,000 "qualified
I am a first-time home buyer. If I take a distribution from my 401(k) to purchase land and a house, will I have to pay a penalty on this distribution? Also, what kind of form will I need to file with my taxes, showing the IRS that $10,000 went toward a ho
If I participate in my companyÃ¢â‚¬â„¢s SIMPLE IRA plan, can I also contribute to another IRA in order to receive a larger tax deduction?
I am making after-tax contributions to an IRA. Will I get taxed again when I withdraw it (when eligible)?
What is the difference between investment banks and merchant banks?
What does the term "stock-for-stock" mean?
Are the deferred earnings in a SIMPLE IRA subject to FICA taxes?
How does the 80% rule for home insurance work, and how do capital improvements affect it?
If I roll my annuity into an IRA and receive after-tax distributions, will this be considered taxable income?
What will happen to my SEP IRA if I leave my current employer?
What are some commonly missed deductions for business owners?
What are the exceptions to the early distribution penalty for a non-qualified Roth IRA distribution?
At what point in the ordering process does a broker charge commission?
What is Black Friday?
When is earnings season?
How can I prevent commissions and fees from eating up my trading profits?
What is foreclosure investing?
How does someone commit featherbedding?
Can I close my existing Roth IRA and invest in a new Roth IRA at a different financial institution without a tax penalty?
Is it permissible for a 70-year-old person to buy an IRA?
I recently and accidentally established a Roth IRA for my spouse instead of myself and contributed additional monies. What should I do?
Are the distribution rules for 401(k) and 403(b) plans the same as those for IRA plans?
Is my husband's ex-spouse entitled to receive my spouse's retirement benefits?
I've heard that workers who don't roll over their 401(k)s after retiring face some problems related to estate planning. I was told it was some type of final 2002 government regulation. Is this true?
My certificate of deposit (CD) has just matured and I plan to contribute $10,000 of it to my current Roth IRA account. The person doing my taxes can't tell me why I can't make such a large contribution except for my low income - I am a disabled veteran on
Can I roll over my IRA assets to a sheltered Canadian plan?
Is it easier to save for retirement if you start earlier in life? Can I make up for what I don't save now by contributing more later on?
What is the relationship between oil prices and inflation?
What are the steps to get a company listed on the OTCBB?
Can an IRA owner disclaim his widow's account but exclude one spendthrift contingent beneficiary?
Do I have to continue SEPPs for an inherited IRA?
I hold a professional degree. Am I eligible to sit for the Certified Financial Planner (CFP)certification examination?
I inherited a Roth IRA. What are my options for taking distributions from the account?
I want to roll over a portion of my retirement plan with my employer and I have been advised to ask for separate checks to account for pre- and after-tax amounts. What does this mean?
How should I estimate my income from fixed sources like bonds, CDs and stocks?
I have a KSOP through my employer that I've invested 100% in company stock. I am now concerned that I'm not diversified and would like to move out of company stock and into mutual funds. Is this allowed with the funds I've contributed to the account?
Is there any time I would want to have a zero-principal mortgage?
I work for two companies. How much can I contribute to each company's SIMPLE IRA?
What are the income limits for Roth IRA contributions?
I do not want to totally get out of my retirement 401(k), but I want to take 72(t) distributions. What should I consider?
I will be receiving monies from a QDRO executed pursuant to my divorce. I would like to take a portion of the money as a distribution to pay for a new home. What are the tax implications of doing this?
I know there is a form of deposit insurance where a portion of my bank account deposits is protected. Is there anything like this for my investments?
Can a person who is retired continue to fund an IRA?
My husband has a 401(k) account which is 100% vested with an $8,000 balance. We are in foreclosure and need a hardship withdrawal. The investment management company which handles my husband's account says we can't withdraw anything because we have not con
My husband has become eligible for a 401(k) plan (with no matching contribution) at work. How do we get back the $9,000 that we already contributed to our IRA for 2005 without a penalty? My husband earns $144,000/year and we're both over 50 years old.
Can I fund a Traditional IRA, a 403(b) or a Roth IRA using pension money? I'm 56 years old. What limits apply if I can?
I didn't record my Traditional IRA contributions. Is there a website that lists IRA contribution limits for past years?
What are the rules and reporting requirements for a rollover of a required minimum distribution (RMD)?
Why won't my broker allow me to sell one stock and buy another on the same day?
Why would my stock's value decline despite good news being released?
What is the purpose of a "repatriated tax break", and why is it so controversial?
Can my spouse and I use our IRAs to purchase our first home?
I'm 70.5 and still working for my own company. Can I defer starting my required minimum distributions?
If I already hold a professional certification am I eligible for any exemptions from CFA Program requirements?
How can I find out if my employer is a member of FINRA?
How can I budget for both short-term expenses and long-term goals?
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