Personal Finance FAQs

  1. What's the difference between a savings account and a Roth IRA?

  2. Do I need to hit my 401(k) contribution limit before I can begin making catch-up ...

  3. Can an open-ended fund's price appreciate significantly?

  4. What is the difference between a collateralized mortgage obligation (CMO) and a collateralized ...

  5. Which is better, a fixed or variable rate loan?

  6. Can I leave my pension to my spouse when I pass away?

  7. Who coined the term "entrepreneur"?

  8. What is variable life insurance?

  9. Why is my insurance premium so high/low?

  10. I'm a teacher. Which is better for me, a 401(k) or 403(b)? What is the difference? ...

  11. I understand that I can withdraw from a 401k the year I turn 55 without the 10% penalty ...

  12. My company is the trustee of our 401k plan (which has 112 participants). What are ...

  13. Can I pull out most of my assets from my IRA and use the cash as long as I replace ...

  14. My 80-year-old mother used her Roth IRA assets to make an $11,000 annual gift tax ...

  15. There are so many stockbrokers out there. How do I go about choosing the best one ...

  16. I plan to retire in March 2005 at the age of 59.75. When and what percentage or dollar ...

  17. Once substantially equal periodic payments (SEPP) of an IRA have started, is the ...

  18. How do my siblings and I receive inherited pension benefit payments from our deceased ...

  19. I stopped distributions from my retirement account while under Rule 72(t). Will this ...

  20. Is a Canadian resident allowed to participate in a direct stock purchase plan from ...

  21. I am 61 years old and would like to contribute to my employer's 401(k) plan. Is there ...

  22. Can someone who is not yet of legal age open a brokerage account?

  23. What does the Pension Protection Act of 2006 say about charitable contributions?

  24. How do I avoid paying excess taxes on securities I have sold?

  25. Is my non-qualified Roth IRA distribution subject to taxes or early distribution ...

  26. Can I give stock as a gift?

  27. What is the difference between a 2/28 and a 3/27 ARM?

  28. What is the highest achievable FICO score?

  29. How can a trust lower federal transfer tax liability?

  30. What's the best kind of IRA for a 20-something?

  31. What is term insurance?

  32. What is multiline insurance?

  33. I overcontributed to my 401(k). What are my options?

  34. I converted my former IRA to a Roth for tax purposes in 1998, so even though the ...

  35. Does participation in a 401(k) plan prevent an individual from contributing to a ...

  36. My recently deceased spouse's IRA has been rolled over into mine. Does the cost basis ...

  37. Is it possible for a company to have a positive cash flow and a negative net income?

  38. I am 59 (not 59.5) and my husband is 65. We have participated in a SIMPLE IRA with ...

  39. I'm an 80 year old making increasing required minimum distribution (RMD) tax payments. ...

  40. What is the best retirement plan option for a physician with her own practice, employees ...

  41. My spouse is the primary beneficiary of my IRA. I also have a contingent beneficiary. ...

  42. How can I purchase stocks directly from a company?

  43. Can an IRA beneficiary roll the IRA over into another account and designate another ...

  44. Can I have a self-directed IRA or Roth IRA using the forex market?

  45. I have just been laid off. Can I use my 401(k) for living expenses now and report ...

  46. Can I return funds to my Roth IRA after I have taken it as a distribution?

  47. How does the number of credit card accounts I have affect my credit score?

  48. What are the economic implications of government subsidies on fuel costs?

  49. What are the Gnomes of Zurich?

  50. What is reinsurance?

  51. What kinds of investments are allowed in a qualified retirement plan, and what kinds ...

  52. What are some of the features and benefits of SEP IRAs and Roth IRAs?

  53. Can I roll over a profit-sharing plan to an SEP IRA account without suffering any ...

  54. Can my spouse and I convert our IRAs to Roth IRAs regardless of earned income?

  55. Do hedge funds and mutual funds invest in commodities in high inflation environments?

  56. Are there tax penalties for closing my Roth IRA account?

  57. Can investment real estate be purchased within an IRA and, if so, are there any pitfalls?

  58. I participate in a profit-sharing plan at work. If I retire at age 62, will I be ...

  59. Should I put money into a retirement account even if it isn't tax deductible?

  60. When should a company recognize revenues on its books?

  61. I didn't earn any income this year. Can I still contribute to a Roth?

  62. I've noticed executives buy a lot of stock below market value, and then they sell ...

  63. Are mortgage-backed securities backed by any guarantees?

  64. After receiving a required distribution when and how are my taxes affected?

  65. Where can I find information on different companies so that I won't have to read ...

  66. What does greenwashing mean?

  67. What is market cannibalization?

  68. What are the benefits of an assumable mortgage?

  69. What's the difference between bottom-line and top-line growth?

  70. How are a company's financial statements connected?

  71. If an individual still has his or her former spouse as the beneficiary of an IRA, ...

  72. I am a teacher in a public school system and I don't presently have a 403(b) plan, ...

  73. When should I take my Canadian Pension Plan distributions?

  74. I made involuntary contributions to a retirement plan while temporarily employed. ...

  75. My mother inherited my father's IRA. When she died, I received an account application ...

  76. How does the marginal tax rate system work?

  77. Is an employee eligible for an SEP if the plan has already been set up for other ...

  78. I withdrew funds from my Roth IRA to contribute elsewhere. How will I be taxed?

  79. Why do companies postpone earnings announcements?

  80. Can I contribute to my company-sponsored 401(k) after the company's year-end but ...

  81. How can I reduce the taxes on my inherited retirement assets?

  82. How do I file taxes for income from foreign sources?

  83. What constitutes an "intention to call a debt instrument before maturity" for tax ...

  84. How does a credit crunch occur?

  85. I failed to distribute an inherited 401(k) that was found in an audit. What happens ...

  86. What is a rainmaker?

  87. I'm worried about the economy and want to move my IRA funds from stocks and bonds ...

  88. How can I get information about my deceased husband's retirement account if his employer ...

  89. What's the difference between a golden handshake and a golden parachute?

  90. What options do I have to save for my child's education?

  91. How do I "vest" something?

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