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Ask The Expert Archive

Retirement Saving Investment Choices - IRAs And CDs

May 22, 2019

Thinking of setting up an IRA? Learn how to choose between a Roth IRA and a traditional IRA and how to invest for long-term retirement savings.

How To Set Retirement Saving Needs

February 27, 2019

How do you know you have enough money for the remainder of your retirement? A comparison of net expenses with retirement savings and other resources can help you find the answer.

How do Required Minimum Distributions Work?

February 27, 2019

How long can you keep money in a traditional IRA? While you are required to start taking out some of your remaining balance each year beginning at age 70.5, you are never required to take out all of your remaining balance.

Contributing RMDs to a Roth IRA

February 27, 2019

Looking to limit your taxes once you start taking retirement plan RMDs? The strategy of contributing some of that money to a Roth IRA has significant limits, but it does also have some benefit.

Monthly Pension Income vs. Lump-Sum Distribution

February 27, 2019

How would you choose between monthly pension income and a lump-sum distribution? A present value calculation can give you part of the answer, but there are still some judgements to be made based on your situation.

Managing Your IRA Withdrawals

February 27, 2019

Even if you are old enough to take money out of an IRA without an early withdrawal penalty, there may be costs to taking out more than the required minimum distribution (RMD). See what you should know about planning your IRA withdrawals.

Investing to Get Rich Quickly Can Lead to Fast Losses

February 4, 2019

Looking to get rich quickly as an investor? The first step is to guard against throwing your money away by learning about risk and the difference between investing and speculating.

Is It Time To Trade Stock Mutual Funds For CDs

December 27, 2018

Concerned about the volatile stock market? At times like these moving out of stocks may seem tempting, but it is not an entirely risk-free move. Understand how asset allocation can help reduce risk.

When Are CD Penalties Worth Paying?

November 21, 2018

Is your current CD rate lagging far behind today's CD rates? It might make sense to pay an early withdrawal penalty to earn more interest, so here's how to do the math and get the most out of that decision.

401(k) Investing As You Approach Retirement

November 15, 2018

Being close to retirement does not necessarily dictate a conservative investment approach, unless you are planning large withdrawals from your retirement plan.

Can you change a spouse's spending habits?

Can an IRA rollover be invested in CDs?

Savings accounts for a nonprofit?

Pay down student loans or save for retirement?

How should I prioritize my debt?

Can I transfer from an IRA to a CD?

Can I use my ATM card for shopping online?

What's the best way to cash out a SIMPLE IRA?

How much can I take out of my IRA without penalty?

How do I ladder my IRA CDs without taxes or penalties?

How do I balance my checkbook?

How much coverage does FDIC insurance provide for me and two beneficiaries?

How do I start building a CD ladder and get the best CD rates?

Can I benefit from putting money in an IRA in my 60s?

Is paying off debt with my 401(k) a good idea?

Do I have to liquidate my IRA at some point?

How can I track down an old IRA account?

Should I close my IRA once I reach retirement age?

How do I save and grow money for college?

Can my mother use her IRA savings account to pay off debts?

Which accounts should I deposit my retirement income into?

How do I decide which CD account to break into early?

Can I use my IRA toward buying a home?

Are foreign currencies good retirement investments?

Should I take my retirement benefits in a lump sum or monthly payment?

How do I get the best savings account rate on $40,000 while keeping liquidity?

How much interest can I earn on $1 million in 1 year?

Will millennials ever be wealthier than their parents?

Is a money market account considered cash in the bank like a savings account?

Is the stock market's "Trump rally" for real?

How do I find the best jumbo account with high interest rates?

How do I deal with a divorce settlement from an IRA?

Should I worry about losing my mortgage interest tax break?

How should a single mother invest $25,000?

IRA withdrawal rules: transfer to CD without penalty

How do stocks compare with savings accounts?

Can I get out of a bad home mortgage loan?

Where can I find the best 6-month CD rates?

Will Brexit affect US mortgage, refinancing rates?

How can I split direct deposits between checking and saving for investing?

Transferring a money market account to a CD: Will I pay taxes?

Will I owe taxes on an inherited certificate of deposit (CD)?

Which retirement investments can supplement Social Security income?

What is the best payment method for online purchases?

How can I buy a home on a low income?

Should I take money out of 401(k) retirement savings to pay off a mortgage?

Why are global commodities traded in US dollars?

What are FDIC insurance limits for trust accounts?

Is it fair for a potential employer to check your credit report?

Do money market accounts have FDIC insurance coverage?

How do I find the best risk-free interest rate for investments?

How to access bank account of deceased relative

Is silver better than gold as a retirement investment?

What should I do if I can't direct deposit money into savings accounts?

How do I deposit cash into an online bank account?

What's the best way to invest $12,000 in my 40s?

How can I get my paycheck directly deposited into the bank?

Free checking account and credit card offers - what's the catch?

Do I Lose My 401(k) Retirement Money if I Leave My Employer?

How can a retiree protect retirement savings against inflation?

Are pre-paid cards a good alternative to checking accounts to avoid rising fees?

Direct deposit into savings or checking accounts?

Are step-up CDs a good choice if the Fed raises interest rates?

Is there a middle ground between low-return deposit accounts and high-risk stocks?

I have no credit history. Why am I considered a bad risk?

How much savings should I keep in cash while saving for a wedding next year?

Am I saving enough for a comfortable retirement?

How can a jump in gas prices impact mortgage rates?

Can I turn $100k into $1 million in a decade?

Arranging joint access to a parent's checking account

Moving an IRA from one bank to another?

I-Bonds or CDs?

How can I keep getting paper bank statements?

Should I hire a professional to do my taxes?

Should I use my retirement savings to start a business?

Should I sell before HARP expires?

Should I deposit more to avoid a statement fee?

Do I have to withdraw from my IRA?

How much can I contribute to my money market IRA?

Will bonds return to their former yields?

What's wrong with my CD statements?

Should a husband and wife combine all their finances?

How can I find the best business bank account?

How should I invest a burial trust?

Where should I start my business?

How should I choose a financial adviser?

Should I consider a 5-year CD at age 80?

Is it better to break into a CD or a 401(k)?

How much down payment does a first-time buyer need?

Best bank for a jumbo deposit?

Where should I store money while waiting to invest?

Taking IRA distributions after a divorce?

Should I switch out of my IRA?

Is a townhouse a good investment?

Why do interest rates vary in different markets?

Should I give up my bank for bitcoins?

Refinance or restructure our mortgage?

How should we handle a jump in mortgage payments?

Should I trade my annuity for a CD?

Cosign or lend?

Are shipping containers a good investment?

Can the US keep borrowing indefinitely?

Should I open a CD when resources are tight?

Sell our old house or rent it out?

Should I use a credit card or debit card?

How can I finance college when I'm disabled?

Will slowing sales bring lower home prices?

Should I switch to an online bank?

How do banks decide to pay interest or charge fees?

Why do rates on mortgages and savings accounts vary?

How do I track down an old savings account?

How do I find the best rate on $1 million?

Do I need to pay taxes on my foreign CD?

How should I invest $10,000 while in college?

How do foreign money market funds work?

Is it OK to take IRA distributions before required?

Buying a house at 65: 15-year or 30-year mortgage?

How do I exercise a power of attorney?

What financial support should I offer my parents?

How can I avoid estate taxes?

How can I tell which financial companies are banks?

Should I pay down the mortgage or build savings?

How can I keep my IRA stable after retirement?

Accessing IRA funds at age 80?

Should I use cash-out refinancing to pay debt?

Could the debt-ceiling debate endanger my deposits?

Should I invest in a foreign CD?

How much can IRA money market accounts earn today?

Shift my TSP to an IRA?

FDIC insurance can protect over $250K

Does my mom need a financial planner?

Where can I find a good money market fund?

How can I expand my FDIC insurance?

Will higher mortgage rates kill the housing recovery?

Can I transfer my IRA to CDs without penalty?

Could the debt-ceiling debate endanger my deposits?

How do I create a retirement budget?

What can I do about a suspected estate theft?

How do I calculate interest on a loan?

How can I help my IRA beat inflation?

Where should I send my direct deposit?

Should I take a lump sum or monthly pension?

Can I transfer my IRA?

How should I invest before traveling abroad?

Should I break my CD to get a better rate?

What is the safest place for an IRA?

How do online banks work?

Where should I put my IRA funds?

Where are the best bank accounts for college students?

Should I abandon savings accounts for stocks?

Annuity or CD?

IRA or 401(k)?

What accounts are best for college savings?

Why do banks pay interest?

When is tax on a CD due?

Where's a good place to put $10,000?

Can I mortgage my farm to pay off credit card debt?

How different is online banking?

Do I need to pay taxes on CD interest?

Should I make a big or small down payment?

Which should be my go-to card?

Which checking account fees are most important?

Money market account or money market fund?

How can my college student find the right bank?

Where can I find a 3 or 4 percent interest rate?

How much should an 80-year-old have in stocks?

How can I borrow money with bad credit?

Am I overpaying for my brokered CD?

Pay down bills or build up savings?

How do I pick the right type of account?

How will my IRA withdrawal be taxed?

What are the pros and cons of linking checking and savings accounts?

How do I prepare for an IRS audit?

How do I access funds for funeral arrangements?

Is there an alternative to refinancing?

How do I get information about an old account?

How can I maximize my FDIC insurance?

How do I transfer out of a Roth IRA annuity?

What should I do with insurance proceeds?

Which stocks are good sources of income?

Should I use savings to pay down my mortgage?

How risky would the end of the euro be?

Can I live from the interest on $129,000?

What is the average savings account interest rate on $1 million?

How can I make a $5 million windfall last?

How can I earn the most money within two years?

Can I trust the best CD rates?

How do I make 401(k) plan choices?

Why did the bank charge an overdraft fee on a low-balance account?

What determines the strength of a currency?