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How to Use Social Security’s 'File and Suspend' Option

Q: Do I have to be 66 (my full retirement age) before I can file for Social...
Q: Do I have to be 66 (my full retirement age) before I can file for Social Security benefits and suspend, or can I file at age 62, when first eligible, for my wife to...

The Best Moves to Make So a Nursing Home Doesn’t Bankrupt You

Q: I am 62 and my wife is 58. We are considering buying long-term care insu...
Q: I am 62 and my wife is 58. We are considering buying long-term care insurance. However, we are also wondering if we have enough assets to self-insure. We have more than $2 million and...

Free Fixes for Cracked Paint and Other Winter House Woes

Q: We paid a small fortune to have our great room painted last summer—and n...
Q: We paid a small fortune to have our great room painted last summer—and now that it’s winter, the paint has cracked at nearly every seam in the woodwork! Did we get a bad paint...

How Couples Can Boost Their Social Security Income

Q. My wife and I started our Social Security benefits at age 62 in 2013, bu...
Q. My wife and I started our Social Security benefits at age 62 in 2013, but we later realized that we needed more income. So, we are both going to look for jobs now. Can...

How to Tackle a Thorny Investment Tax Issue

Q: I have a taxable account at a discount brokerage, and I purchase stocks ...
Q: I have a taxable account at a discount brokerage, and I purchase stocks on margin. How do I write off the margin interest? – William, Northport, Fla. A: You can deduct all kinds of...

The Best Energy Efficiency Upgrades for Your Money

Q: Our 100-year-old farmhouse costs a fortune to heat, and I'm thinking of ...
Q: Our 100-year-old farmhouse costs a fortune to heat, and I'm thinking of using my holiday bonus for an energy efficiency upgrade. What's the best investment: a new furnace, new windows, or blown-in insulation? A:...

Why You Might Want to Take Student Loans Before Using Up College Savings

Q: "My daughter will be starting college this fall. I’m estimating the tuit...
Q: "My daughter will be starting college this fall. I’m estimating the tuition will be about $25,000 each year. I’ve got about $45,000 put aside in a 529 for her. When should I tap that...

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