September 2009


When Banks Pay You
Today, record numbers of consumers are using reverse mortgages to supplement their retirement income, pay off their existing mortgage, pay for health care expenses, make home modifications, or simply establish a cash reserve for emergencies. Despite increased popularity, reverse mortgages are often misunderstood.
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Roth IRA Conversions in 2010: Goodbye, Income Limits!
With the lure of tax-free distributions, Roth IRAs have become popular retirement savings vehicles since their introduction in 1998. But if you're a high-income taxpayer, chances are you haven't been able to participate in the Roth revolution. Well, that's about to change.
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Getting to Yes Despite Investing Differences
In a perfect world, both halves of a couple share the same investment goals and agree on the best way to try to reach them. It doesn't always work that way, though.
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Ask the Experts: Can creditors reach my 401(k) plan account?
The extent to which your 401(k) plan account is protected from the claims of your creditors depends on two things: (1) whether your plan is covered by the Employee Retirement Income Security Act of 1974 (ERISA), and (2) the type of claim (in bankruptcy or outside of bankruptcy).
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Ask the Experts: Can creditors reach my IRA assets?
Traditional and Roth IRAs generally aren't subject to ERISA (we'll discuss SEPs and SIMPLE IRAs later). Therefore, they don't qualify for the broad protection from creditors that ERISA typically provides.
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