How to Simplify Your IRA Contributions

Q: When making deductible and nondeductible contributions to a traditional ...
Q: When making deductible and nondeductible contributions to a traditional IRA, must I use different investments? For example, does a $3,500 deductible contribution have to go to Fund A while a $2,000 nondeductible investment goes...

How Can I Avoid Paying the Medicare Part D Penalty?

Q: I enrolled in Medicare Part A and B in 2011 but not D. Now I want to enr...
Q: I enrolled in Medicare Part A and B in 2011 but not D. Now I want to enroll in D and they say I have to pay a penalty for the rest of my...

How to Tell How Your Investments are Really Doing

Q: How can I tell how my investments actually did, factoring in reinvested ...
Q: How can I tell how my investments actually did, factoring in reinvested dividends and gains and periodic contributions? And can I trust Morningstar and fund prospectuses to be correct? A: “These are really good...

Can I Trust Retirement Savings Calculators?

Q: All the online calculators say I'm saving enough for retirement, but how...
Q: All the online calculators say I'm saving enough for retirement, but how accurate are they? I am 30, contribute 8% of my $75,000 salary to my Roth 401(k). My employer matches 4% and throws...

How to Get Your Slacker Co-Workers to Pull Their Weight

Q: We work on a lot of team projects in my job, and there's always one—or m...
Q: We work on a lot of team projects in my job, and there's always one—or more—people who just phone it in and coast on everybody else's hard work. Short of complaining to our supervisor,...

What to Do With Your HSA Money When You Go on Medicare

Q: What's the best thing to do with my HSA funds when I retire and go on Me...
Q: What's the best thing to do with my HSA funds when I retire and go on Medicare? Are there any rules that say I need to spend it since I won't have a high-deductible...

How Couples Can Get the Most Out of Social Security Now

Q. I'll be 62 in December of 2016, and my husband will be 66 in September o...
Q. I'll be 62 in December of 2016, and my husband will be 66 in September of 2016. We thought we had our Social Security claiming strategy all locked up until Congress changed the law...

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