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The Best Way to Tap Your IRA In Retirement

Q: I am 72 years old and subject to mandatory IRA withdrawals. I don’t need...
Q: I am 72 years old and subject to mandatory IRA withdrawals. I don’t need all the money for my expenses. What should I do with the leftover money? Jay Kahn, Vienna, VA. A: You’re...

How Your Earnings Record Affects Your Social Security

Q: I took my Social Security in Jan 2011 at age 65 1/2 and have continued t...
Q: I took my Social Security in Jan 2011 at age 65 1/2 and have continued to work full time. By the end of this year, I figure I will have contributed around $5,500 into...

How to Negotiate the Best Price From a Home-Improvement Contractor

Q: Can I negotiate the cost of a home improvement project? I feel like thes...
Q: Can I negotiate the cost of a home improvement project? I feel like these guys all really want my business, but I don’t want to anger anyone by suggesting they lower their bids. A:...

The Hidden Pitfalls of Collecting Social Security Benefits from Your Ex

Q. I have spoken with seven people at the Social Security Administration an...
Q. I have spoken with seven people at the Social Security Administration and gotten five different answers to my question. I want to draw Social Security from my ex-husband of 30 years at my present...

How to Handle a Co-Worker Who's a Chronic Complainer

Q: One of my co-workers is always complaining about our boss. I have a good...
Q: One of my co-workers is always complaining about our boss. I have a good relationship with both of them, but I don’t want to seem unsympathetic to my co-worker. What should I do? -...

How to Use Your Roth IRA to Buy Foreign Stocks

Q: I would like to invest in foreign stocks and LLPs within my Roth IRA. Do...
Q: I would like to invest in foreign stocks and LLPs within my Roth IRA. Do I need to file any special forms at the end of the year? Are there any type of investments...

When a Reverse Mortgage Does—and Doesn't—Make Sense

Q: My wife and I have no heirs. Our home is worth about $700,000 and nearly...
Q: My wife and I have no heirs. Our home is worth about $700,000 and nearly paid off. We’re thinking of taking a reverse mortgage at retirement. How does this work, how much could we...

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