Personal Money Management

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Co-Ownership vs. Beneficiaries With Savings Bonds

en purchasing U.S. savings bonds, the way you title them determines who actually owns them and can eventually cash them in. If you put your own name on the title or buy them as a gift for someone else in his name, that is sole ownership. Two people on the title are co-owners. ...

How to Give Assets to Your Children Before Your Death

ile a will can take care of distributing your assets to your family after you die, you don’t have to wait until you’re gone to divide up your assets. Maybe you want to help your children financially while you’re still alive, or you want to avoid any confusion ...

How to Withdraw Money From My Mutual Fund

deeming shares of a mutual fund can be as easy as a single click online or a phone call. On the other hand, it might require a meeting with your financial adviser. It depends on your needs and the tax status of your account. In any case, the process is pretty straightforward.

Do I Declare Dependent Adult Social Security Benefits on My Tax Return?

e Internal Revenue Service maintains a set of criteria that dictate the definition of a qualified dependent on your income tax return. The IRS also specifies the type of Social Security benefits subject to taxation. When a dependent adult lives with you, your tax filing ...

Effect of VA Compensation on Social Security Benefits

you’re getting Veterans Administration benefits, you can get Social Security benefits at the same time. These two programs have their own eligibility requirements including different definitions of disability that you must meet. Just because you’re considered ...

Can My Non-citizen Wife Receive Social Security Benefits After I Die?

you've paid in to the Social Security system through payroll taxes, you are entitled to retirement benefits as well as disability benefits, if you're unable to work because of a medical condition. In addition, your spouse may be eligible for survivors benefits should you pass ...

What College Items Can I Use as a Tax Write-Off?

sing costs of tuition and other higher education expenses make federal income tax breaks for college costs attractive for many households. In addition to pre-college savings plans, these tax write-offs can reduce annual income tax obligations as well as adjusted gross income. ...

How to Take Funds From a Coverdell Education Savings Account

verdell education savings accounts (ESAs) offer tax-sheltered growth and tax-free qualified distribution to help families save for future education expenses. Coverdell ESAs have lower contribution limits than qualified tuition plans (QTPs)-- you can only contribute $2,000 per ...

Lower, Middle and Upper Class Income Levels

the United States, people and classes are categorized by income levels. These levels fluctuate from one year to the next and you may find yourself changing groups whether your income remains the same or not. With 56 percent of the population in the middle class, it is the ...

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