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My daughter would like to use some of her Roth IRA to pay for some current tuition fees and loans. Can she do this without a penalty?
Does it make sense to convert a Traditional IRA to a Roth when the market’s down?
I overcontributed to my Roth, then lost half of this money to the market. Does the 6% penalty apply to my original contribution, or only what's left of it?
We are in a 401(k) at work. Can we also do a Roth each year? If we can, can it also be deducted from our taxes?
I am a teacher in a public school system and I don't presently have a 403(b) plan, but I do have some money in a Roth IRA and also a self-directed IRA. Can I roll my IRA funds into a newly opened 403(b) plan, since I am presently employed by the school sy
What is the five-year waiting rule for Roth IRAs?
What are the exceptions to the early distribution penalty for a non-qualified Roth IRA distribution?
Can either a SEP IRA or a SIMPLE IRA be attached in a bankruptcy or malpractice action, or are they safe from any financial judgments like these?
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
What are the tax consequences of a Roth IRA distribution if the IRA holder is younger than 59.5?
I inherited a Roth IRA. What are my options for taking distributions from the account?
What are some of the features and benefits of SEP IRAs and Roth IRAs?
I am 59 (not 59.5) and my husband is 65. We have participated in a SIMPLE IRA with our company for more than two years. Can we convert the SIMPLE IRA to a Roth IRA? If we can convert, do we have to pay tax on the SIMPLE IRA money placed in the Roth? Are t
I earn more than the income limit for both a Roth and Traditional IRA deduction. Should I contribute anyway?
I have two Roth IRAs, one of which has a balance that is much less than the total contributions I have made to the account. Can I write off the losses for that account?
Is it permissible for a 70-year-old person to buy an IRA?
Are there tax penalties for closing my Roth IRA account?
I am only 17 years old. I don't have a job or pay taxes. Can I contribute to an IRA?
Can I contribute to both a 401(k) and an IRA?
I converted my former IRA to a Roth for tax purposes in 1998, so even though the tax was paid over four years, am I correct to assume that this is now mine to withdraw, if I like, at no penalty? I am 60 years old.
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 add my higher income spouse's name to my Roth IRA in order to raise our contribution limits?
Is there a limit on how much I can move from my IRA to my Roth IRA?
I recently and accidentally established a Roth IRA for my spouse instead of myself and contributed additional monies. What should I do?
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.
My spouse and I now earn more than the dual-income limit specified by our IRAs. What will happen to our previous contributions?
Can I roll my SEP IRA into a Traditional IRA or should I convert to a Roth?
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 converted a Traditional IRA to a Roth. The conversion was a stock equity with a cost basis of $19,000 in the Traditional IRA. The day of conversion, the value was $34,000. Which amount should the brokerage house use for the 1099-R?
I just learned that my 2004 and 2005 Roth IRA contributions are not allowed because my income exceeds the limits. Can I just withdraw the contributions plus earnings without penalty?
What's the best kind of IRA for a 20-something?
How do I go about opening up a Roth IRA?
What is a good book on creating a trust that would qualify as the beneficiary for an IRA?
I have some stocks in a taxable account. Can I use them to fund my Roth IRA instead of using cash?
What is the difference between a ROTH, SEP and Traditional IRA?
I have conservative views on investing. How should I go about investing in a Roth IRA?
I make over $100,000/yr and my adjusted gross income precludes standard IRA contributions. My contributions to my 401(k) plan at work are limited to about $7,000/yr. It seems I'm being penalized for my income. Are there other retirement savings options av
I withdrew funds from my Roth IRA to contribute elsewhere. How will I be taxed?
I am self-employed and do not need most of my IRA RMD for expenses. Can I reinvest it in Roth IRAs?
Can an individual contribute to both a Roth IRA and a Traditional IRA in the same year?
Is divorce an exception to the SIMPLE IRA's two-year waiting period rule?
Can I have a self-directed IRA or Roth IRA using the forex market?
My Traditional IRA has been converted to a Roth IRA. Can I still make a qualified withdrawal as a first-time home buyer?
I'm an 80 year old making increasing required minimum distribution (RMD) tax payments. I plan to convert my IRA to a Roth IRA and pay the taxes for the total RMD. Will I be able to withdraw funds from the Roth the year following the conversion? I understa
What's the difference between a savings account and a Roth IRA?
Can a simplified employee pension (SEP) IRA be converted to a Roth IRA in the same manner that a Traditional IRA can?
What is the difference between a Traditional and a Roth IRA?
I am rolling my 401(k) into an IRA. After a year, can I convert this amount to a Roth IRA tax free?
Can I convert non-deductible contributions made to my Traditional IRA to a Roth IRA without being taxed?
I have several Roth IRA conversions, each with different custodians. When I spoke to an IRS representative, he maintained that the total amount of the conversions is always available. He told me that at any time I can take out what I had paid taxes on (wi
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 retired and transferred part of my pension distribution to a Roth IRA. If I am over 55, do I still qualify for the age 55 exemption?
Can I close my existing Roth IRA and invest in a new Roth IRA at a different financial institution without a tax penalty?
I am over 60 years old and have a Roth IRA to which I have made contributions for more than five years. Are all distributions tax free?
Earnings within a Roth IRA are tax free, so are these earnings included in the modified adjusted gross income which is used to determine Roth IRA eligibility?
I didn't earn any income this year. Can I still contribute to a Roth?
What are the income limits for Roth IRA contributions?
My 80-year-old mother used her Roth IRA assets to make an $11,000 annual gift tax exclusion. Will these still be considered Roth IRA assets?
If an employee covered by a SIMPLE leaves his employer within the two-year period and his new employer doesn't have a SIMPLE, what happens to the plan? Can the employee roll it over without penalty, or keep it at the old company until the two years expire
Is my non-qualified Roth IRA distribution subject to taxes or early distribution penalties?
I am in my mid thirties and have nothing invested for retirement. Is it too late to start contributing for a retirement plan?
Can my spouse and I convert our IRAs to Roth IRAs regardless of earned income?
What procedure applies to a taxpayer who made excess contributions for 2001, 2002, 2003 and 2004 and has neither withdrawn the excess and the earnings for 2001-2003, nor recharacterized 2004 to a Traditional IRA? How are multiple years such as this to be
Can I return funds to my Roth IRA after I have taken it as a distribution?
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