Personal Money Management

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How to Take Funds From a Coverdell Education Savings Account

Coverdell 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 ...

How Does Inflation Affect the Standard of Living?

Your standard of living is largely based on two factors: your income and your expenses. Inflation occurs when day-to-day expenses rise. An imbalance in the relationship between supply and demand causes inflation. Prices rise as increasing numbers of people compete to buy a ...

How to Find Savings Bonds in Your Name

You could have some money coming to you if you received savings bonds that you’ve forgotten or never knew about. The U.S. Department of the Treasury keeps records of all savings bonds issued, including bonds that were never redeemed. You could search for your bonds on the ...

How to Withdraw Money From My Mutual Fund

Redeeming 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?

The 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 ...

What Will My Spouse Get From a Retirement Plan During a Divorce?

Divorce is one of the times you can access your IRA or 401(k) before retirement and pay no tax. This happens if the judge assigns part of your account to your spouse in the divorce settlement. In that case you can tap the account tax-free in order to comply with the divorce ...

What Is Luxury Car Tax?

Buying a new car is a complex and often expensive process. The type of car you select determines not only how much you pay for the vehicle, but also what taxes you pay and how much the car costs to maintain and drive. However, drivers in the United States no longer need to worry ...

How to Trade in a Lease

When you lease a car instead of buying it, you don't have to worry about common car concerns such as depreciation. But you're also not building equity in your lease. It's impossible to trade in a leased car for money in the same way you might trade in a car you own. A few ...

What Does Massive Bond Sell-Off Mean to Me?

Markets in one of the three main categories of bonds -- corporate, municipal and sovereign debt, such as U.S. Treasuries -- can be analogous to a canary in the coal mine in terms of financial health. For investors like you, a massive market sell-off can have significant ...

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