Questions tagged [united-states]

For questions that relate to the laws, practices, and products of the United States.

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14
votes
3answers
840 views

Should I “hedge” my IRA portfolio with a life cycle / target date mutual fund?

I'm fully contributing to my Roth IRA every year into a brokerage account that is 100% in mutual funds. I've done basic mutual fund research and picked about 5 different funds that match what would ...
12
votes
5answers
396 views

Which U.S. online discount broker is the best value for money?

Which U.S. online discount broker is the best value for money? Lower prices preferred, but I also like to be able to reach somebody by phone when help is needed. 24 hours not required, but after ...
12
votes
3answers
820 views

How can I minimize losses on an upside down mortgage for a condo I no longer live in?

I have made a good faith effort to keep up my mortgage payments on a condo that I no longer live in since Oct 2005. In 2005 I had to move out of state for my job and I listed the property for about ...
12
votes
2answers
957 views

Has anyone found U.S. Savings Bonds to be effective investing?

Since I was a small child, my grandparents have given all of their grandchildren savings bonds on our birthdays. I'm not sure if it makes a difference, but they are always "EE" series. I had to use ...
4
votes
1answer
193 views

What kind of traditional IRA should I use to hold funds from old employer 401K plans?

Further to another question I asked , if I am going to open a traditional IRA to hold funds consolidated from old 401K plans, what should I be looking at for the most flexibility? There are lots of ...
8
votes
3answers
392 views

What's the best way to manage all the 401K accounts I've accumulated from my past jobs?

I should be managing my retirement money better and one problem is the number of accounts I have (4). Would it be better for me to consolidate and what's involved in doing so?
46
votes
7answers
2k views

How can one get their FICO/credit scores for free? (really free)

TV and the web are filled with ads promising to give you a free copy of your credit report. Unfortunately, instead of being wholly free, they are actually free trials, which means: You only get them ...
18
votes
2answers
2k views

What does Chapter 11 Bankruptcy mean to an investor holding shares of a Chapter 11 Company?

If I currently have shares in a company that has filed for Chapter 11 bankruptcy protection what impact does this have on me? Does this mean the shares stop trading? If the company successfully ...
7
votes
1answer
711 views

How can we use up our Flex Spending Account (FSA) before the end of the year?

My husband and I signed up for a Flex Spending Account for the first time this past year. We've got about $100 left over now, in mid-November, and I've been told that money will disappear if we don't ...
8
votes
2answers
372 views

How much is college / university projected to cost in the U.S. in 18 years?

[Moderator note: A similar question was recently asked with respect to Canada. This is an important enough question warranting treatment for the U.S. as well.] How much is college / university ...
5
votes
1answer
474 views

We get receipts from our child care provider. Can we still claim a tax benefit even though they're not licensed?

We get receipts from our child care provider. Can we still claim a tax benefit even though they're not licensed? [Note: This is my paraphrased version of a similar question I answered at moms4mom.com....
6
votes
2answers
398 views

How can a 529 plan help me save for my child's college education?

How can a 529 plan help me save for my kid's college education? Who offers 529 plans? Are there any special restrictions or conditions on these plans that I should know about?
12
votes
3answers
1k views

Can I withdraw from my Roth IRA retirement account to fund a startup?

I'm 24 years old and have $10k in my retirement accounts (Roth IRA) after about a year with a real job. I'm considering withdrawing the entire balance to support myself for a few months while I ...
5
votes
1answer
3k views

What is a W-8 form, and how should I fill it in?

I've been looking at some online ad revenue providers. The US-based sites seem to want me to complete a W-8 form. What is the W-8 form and how should I go about completing it?
3
votes
1answer
1k views

How is the Advance Earned Income Tax Credit (Advance EITC) supposed to work? Help!

As a working mom of four and a full time college student I am broke. I looked into Advanced EIC and filled out the form to get an Advance EIC added to my paycheck. I picked up my check today and had ...
9
votes
3answers
397 views

What bank deposits are insured in the U.S.?

What kind of bank deposits in the U.S. are insured against banks going under? What do I need to look out for to make sure my money is safe?
11
votes
4answers
1k views

Should I take Social Security earlier than full retirement age, or wait for more?

Should I take Social Security earlier than the full retirement age shown on my statement? I'm concerned they'll change the rules and I'll lose out if I wait. :-/ What is the likelihood the rules ...
7
votes
2answers
939 views

What is the current US-Canadian agreement on withholding taxes for US Investment income?

Withholding tax credits have changed over the past few years. What is the agreement between Canada and USA related to how much can be claimed and how much must be applied for as a reimbursement?
10
votes
2answers
630 views

What are the 401(k) and IRA limits for next year?

Are 401(k) and IRA contribution limits increasing next year? If so, what are the new limits?
30
votes
1answer
998 views

What are the differences between a “traditional” IRA and a Roth IRA?

I hear that a traditional IRA offers a tax deduction whereas a Roth IRA doesn't, but there's got to be more to it than that: What makes a Roth IRA any good, if it doesn't provide a tax deduction? ...

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