The Best Garden Tools for Mom

Q: My wife and I started a gardening seriously a couple of years ago, and I...
Q: My wife and I started a gardening seriously a couple of years ago, and I want to get her some solid, high-quality tools for Mother’s Day to replace the standard “homeowner-grade” junk we’ve been...

Should I Use Home Equity to Invest for Retirement?

Q: We recently retired. We have a small mortgage on our home and lots of eq...
Q: We recently retired. We have a small mortgage on our home and lots of equity. Should we refinance our mortgage to free up additional money to invest for our retirement? —Bea Granniss, Amityville, N.Y....

When Does a Gift Trigger a Tax Bill?

Q: "I want to pay off a sizeable ($15,000) debt that my adult son has. Are ...
Q: "I want to pay off a sizeable ($15,000) debt that my adult son has. Are there any tax implications for either of us? —Jack A: Your generosity will have no impact on your son's...

Have Mutual Funds Lost a Key Advantage Over ETFs?

Q: ETFs seem to be taking the place of mutual funds, but my understanding i...
Q: ETFs seem to be taking the place of mutual funds, but my understanding is that mutual funds are still your best option if you want to reinvest dividends. Is that true? — Bill from...

Can I Put My Required Minimum Distribution into a Roth IRA?

Q: Can I convert the required minimum distribution from my regular IRA into...
Q: Can I convert the required minimum distribution from my regular IRA into a new Roth IRA account after paying the income taxes if I am not working? I want to have access to the...

The Best Way to Own Gold and Silver

Q: I’m looking for information on adding gold and silver to my investments....
Q: I’m looking for information on adding gold and silver to my investments. What are the advantages and disadvantages of buying coins? What about gold and silver stocks or mutual funds? A: “We think gold...

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