1. How do you calculate the five-year holding period required for tax-free withdrawals from a Roth IRA? When do you start counting? Updated: February 08, 2012
2. I will be getting annual alimony payments of $160,000. I work part time, but my employer provides no benefits. Can I contribute to an IRA, or am I getting too much money? Is there any good way for me to set aside some of this money for retirement? Updated: February 08, 2012
3. If you have not earned the maximum amount allowed to be contributed to an IRA ($5,000 in 2012), can you still contribute that amount? Updated: February 03, 2012
4. Can you split your yearly IRA contribution (e.g., part in a traditional IRA and part in a Roth IRA)? Updated: February 03, 2012
5. How do I get less FICA tax taken out of my paycheck? Updated: February 03, 2012
6. How does your age determine the amount of your Social Security benefits? Updated: February 03, 2012
7. My husband started receiving Social Security at age 62. When I am 62, can I start collecting spousal Social Security while I continue to work and then when I am 66, can I switch to collecting on my own work record which will be higher then? Updated: February 03, 2012
8. After I retire and draw from my 403(b) plan, can I deposit money in a Roth IRA, even though I will be older than 65 years of age? How much can I deposit each year? Is it tax deductible? Updated: February 03, 2012
9. I've heard that next year will be a really bad year for investments. Should I pull the money in my 401(k) out of stocks and put it elsewhere? If so, where? I'm 30 years old. Updated: February 03, 2012
10. How do you determine your required minimum distribution (RMD) from retirement savings plans? Updated: February 03, 2012
11. What are the income restrictions to qualify for a deductible traditional IRA? Updated: February 03, 2012
12. What are the income restrictions to qualify to contribute to a Roth IRA? Updated: February 03, 2012
13. What are the minimum and maximum amounts that can be saved each year in an IRA? Updated: February 03, 2012
14. My mother recently had a stroke and requires constant care, which is taken care of. Her home is up for sale. Once the home sells, would she be allowed to gift any of the money to her grandchildren? If so, is it a $16,000 per year limit? She is 84. Updated: February 03, 2012
15. What were traditional IRA contribution limits for an individual and non-working spouse for the years 1986-2000? Also, when did Roth IRAs begin, and what has been their contribution limit history? Updated: February 03, 2012
16. I'm going to be 62 and would like to collect Social Security and continue working part time. My wife has a full-time job, and we gross around $70,000 a year. Explain how the earnings limit on Social Security benefits works at age 62 and when I'm older. Updated: February 03, 2012
17. Should I continue funding my 401(k) during a recession/bear market? Most of it is in stock and I hope to retire in seven years. Updated: February 03, 2012
18. I am 62 and started receiving Social Security benefits in June. Up to that date I worked. Will I have to return some of my Social Security payments? Updated: February 03, 2012
19. If someone's employer drops their 401(k) match, permanently or during bad economic times, should they stop contributing to the 401(k) and save money in a Roth IRA instead? Updated: February 03, 2012
20. I will be 65 in two months. I started taking my Social Security benefits last year. My income is greater than the limit before Social Security benefits are reduced. How will this affect my benefits? Updated: February 03, 2012
21. If one spouse of a married couple filing a joint tax return retires and starts taking Social Security, will the other spouse's salary count as earned income toward the limit before Social Security payments are reduced? Updated: February 03, 2012
22. Can you explain how the tax credit for retirement savings plan contributions (Saver's Credit) works? Updated: February 03, 2012
23. What is the Required Minimum Distribution (RMD) rule for tax-deferred retirement plans such as IRAs and 401(k)s? Updated: February 03, 2012
24. I just learned that I will inherit $25,000. I'm 54 and single. Any suggestions for what I could do with this money? Updated: February 02, 2012
25. What types of property can qualify for a reverse mortgage? Updated: August 11, 2011
26. Is there an easy-to-understand eXtension source of information about reverse mortgages? Updated: August 11, 2011
27. What year was the Social Security law passed that raised the full retirement age above 65? Updated: June 14, 2011
28. If I am working for a company with a 401(k) plan and approaching age 70½, can I roll my IRA accounts into my 401(k) and thus defer taking an annual required minimum distribution (RMD) on the IRA dollars? Updated: May 31, 2011
29. Why do employers prefer defined contribution retirement plans? Updated: May 26, 2011
30. What does the term "retirement success" mean? Updated: May 26, 2011

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