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Business Owner   Articles     Benefits and retirement plans       Benefit plans for small businesses       Group health insurance: a valued employee benefit       Group term life insurance       Health insurance for the self-employed       Retirement plans for small businesses       Understanding individual 401(k) plans       What employers need to know about workers' compensation insurance     Starting a business       Choosing an entity for your business       Hiring your first employee       Qualifying for the home office deduction       Record keeping for your own business       Starting or buying a business   Decision Tools     Benefits and retirement plans       Building a retirement plan for your business     Choosing an entity       Choosing a business entity       Comparison of LLCs, LLPs, and professional corporations       How C Corporations, Limited Liability Companies, and Limited Liability Partnerships Protect Personal Assets     Tax planning       Accelerating deductions/postponing income       Accelerating income/postponing deductions   FAQs     Home-based businesses       Can I deduct home office expenses?       If I work at home occasionally, am I entitled to a home office deduction?     Incorporating a business       Can I change my business from a C corporation to an S corporation?       Can I change my business from an S corporation to a C corporation?       Should I incorporate my business?     Valuing a business       How can I determine what my business is worth for estate and gift tax purposes?   Personal Finance   FAQs     Buying a home       How much house can I afford?       How much money do I have to put down to buy a house?     Mortgages       Can I use a piggyback mortgage as an alternative to private mortgage insurance?       Can my mortgage lender require me to have an escrow account?       I am behind on my mortgage payments. Will my lender begin foreclosure proceedings?       I'm a first-time homebuyer, and I don't have a lot of cash to put down on a house. What type of mortgage would be best for me?       I'm having a hard time selling my home. Should I take out a reverse mortgage?       My mortgage includes a statement that a penalty may be imposed for early payoff. What does that mean?       Should I choose a mortgage with no points and pay a higher interest rate, or should I put money toward points to lower the interest rate on a mortgage?       Should I pay off my student loans early with a home equity loan?       Should I take out a home equity loan to pay for my child's tuition?       What are the advantages of making biweekly mortgage payments?       What's involved in getting a VA mortgage?       What's the difference between a home equity line of credit and a second mortgage?       Which mortgage is better--fixed rate or adjustable?       Why do I have to purchase homeowners insurance in order to obtain a mortgage?     Private mortgage insurance       Can I use a piggyback mortgage as an alternative to private mortgage insurance?       What's private mortgage insurance , and can my mortgage lender require me to have it?     Refinancing a mortgage       Do I need to let my homeowners insurance company know that I'm refinancing a mortgage?       I refinanced my principal home last year and paid points. What are points, and can I deduct them on my tax return?       Should I refinance my home mortgage?   Retirement Planning   Articles     Health care issues       Buying supplemental health insurance--Medigap       Coordinating long-term care insurance with government benefits       Health insurance in retirement       Medicare       Should you buy long-term care insurance?       Understanding long-term care insurance     Housing issues       Housing options for older individuals       Your home as a source of dollars in retirement     Saving for retirement       Annuities and retirement planning       Borrowing or withdrawing money from your 401(k) plan       Choosing a beneficiary for your IRA or 401(k)       Closing a retirement income gap       Deciding what to do with your 401(k) plan when you change jobs       Estimating your retirement income needs       Evaluating an early retirement offer       Retirement planning--the basics       Saving for retirement and a child's education at the same time       Taking advantage of employer-sponsored retirement plans       Understanding defined benefit plans       Understanding IRAs       What to do after you've been automatically enrolled in your company's retirement plan     Social Security       Social Security retirement benefits       Understanding Social Security   Decision Tools     401(k) plans       401(k) plans       Individual 401(k) Illustration       Should you save in a 401(k) or a Roth IRA?     Health care issues       Medicaid eligibility for nursing home care       Medicare figures at-a-glance       Medicare, Medigap, and Medicaid     IRAs       Comparison of traditional IRAs and Roth IRAs       IRA eligibility flowchart: 2004       IRA eligibility flowchart: 2005       Roth IRA future value calculator       Roth IRA: how much can you contribute in 2004?       Roth IRA: how much can you contribute in 2005?       Traditional IRA future value calculator       Traditional IRA required minimum distribution illustrator       Traditional IRA: how much can you contribute and deduct in 2004?       Traditional IRA: how much can you contribute and deduct in 2005?     Retirement planning basics       Building an investment portfolio       Consumer price index inflation calculator       Growth of annual deposits calculator       How taxation can affect your retirement funds       Investing for retirement       Net worth calculator       Personal cash flow worksheet       Saving for your retirement       What is your risk tolerance?     Social Security       How earnings affect Social Security       Social Security figures at-a-glance       Sources of retirement income: filling the Social Security gap   FAQs     Employer-sponsored retirement plans       Can I roll a retirement plan distribution into an IRA?       Can I still have a traditional IRA if I contribute to my 401(k) plan at work?       Does the federal government insure pension benefits?       How can I plan for retirement if my employer doesn't offer retirement benefits?       I teach at a school that has a 403(b) plan. Is this type of plan a good way to save for retirement?       My company has a profit-sharing plan. How do these plans work?       Should I contribute to my 401(k) plan at work?       Should I use my 401(k) to fund my child's college education?       What are my options if I inherit an IRA or employer-sponsored plan?       What does the term "qualified plan" mean?       What is vesting?     Evaluating an early retirement offer       Should I accept my employer's early retirement offer?     Health care issues       Can I deduct premiums paid for long-term care (LTC) insurance?       How can I pay for nursing home care?       How can I tell if a nursing home provides high-quality care?       How do I enroll in Medicare?       How does Medicare+Choice work?       Should I buy long-term care insurance?       What is long-term care insurance?       What is Medigap?     Housing issues       I'm having a hard time selling my home. Should I take out a reverse mortgage?       I'm retired now and own my home outright, but I need money to live on. How can I use my home to raise some money without selling it?       My husband just died. Should I accept my daughter's offer to move in with her?     IRAs       Can I avoid the 10 percent penalty tax for early withdrawals from a traditional IRA?       Can I contribute to a Roth IRA?       Can I roll a retirement plan distribution into an IRA?       Can I set up a traditional IRA?       Can I shift my traditional funds to a Roth IRA?       Can I still have a traditional IRA if I contribute to my 401(k) plan at work?       Can I take money from my IRA without any penalty?       I need money--can I take funds from my IRA?       It's January, and I forgot to contribute to my IRA. Is it too late?       Should I invest in a Roth IRA or a traditional IRA?       Should I withdraw money from my IRA to pay for my child's college tuition?       What are my options if I inherit an IRA or employer-sponsored plan?       What are required minimum distributions and how are they calculated?       What are the rules for IRA contributions?       What's a premature IRA distribution, and what happens if I make one?     Saving for retirement       How aggressive should I be when I invest for retirement?       How can I plan for retirement if my employer doesn't offer retirement benefits?       How can we possibly save for retirement and our child's college education at the same time?       How late is too late to start saving for retirement?       How much money should I save for retirement?       How should I structure my retirement portfolio?       I think it's time to start planning for retirement. Where do I begin?       What are catch-up contributions?       What should I do if I determine that my income during retirement won't be enough to meet my retirement expenses?     Social Security       Are my Social Security benefits subject to income tax?       How can I get an estimate of my Social Security benefits?       I'm getting remarried. How will this affect my Social Security benefits?       Should I retire now at age 62 and collect Social Security benefits, or should I wait until age 65?       What happens if I start collecting Social Security after age 65?       When I retire, how much will I receive from Social Security?       Will my children receive money from Social Security when I die?   Tax Planning   Articles     General tax planning       Am I having enough withheld?       Choosing an income tax filing status       Help! I can't pay my tax bill       Surviving an audit       Tax benefits of home ownership       Taxation of investments       Year-end tax planning     Tax credits and deductions       Education tax credits       Personal deduction planning       Qualifying for the home office deduction       Understanding personal tax credits   Decision Tools     General tax planning       Remarriage with children: income tax considerations     Tax credits and deductions       Comparison of education tax credits and deductions       General business tax credits       Is my home mortgage interest fully deductible?       Tax credit sampler   FAQs     General tax planning       Am I having enough tax withheld from my paycheck?       Are scholarships and grants subject to federal income tax?       Do I have to file a federal income tax return?       I don't have the cash to pay my taxes. What can I do?       What is my tax bracket?       What penalties and interest will I be charged for paying and filing my federal income taxes late?       Will I have to pay tax on my investment income?     Tax credits       Can I take the tax credit for child care?       Now that my child is in college, am I entitled to any education tax credits?       What are the Hope credit and the Lifetime Learning credit?       What is the child tax credit?       What is the difference between the child tax credit and the child and dependent care tax credit?       What is the earned income credit and who qualifies for it?     Tax deductions       Can I deduct home office expenses?       Can I deduct premiums paid for long-term care (LTC) insurance?       Can I deduct the cost of improvements or repairs I've made to my home?       How do I deduct and substantiate my gambling losses?       I refinanced my principal home last year and paid points. What are points, and can I deduct them on my tax return?       Is student loan interest deductible?       My spouse and I are filing separate returns. Can we both itemize our deductions? If so, how do we split the deductions?       We just bought our first home. What can we deduct from the settlement statement?     Taxes and child support/alimony       Are alimony payments considered taxable income?       What are the tax implications of child support payments?     Taxes and home ownership       Can I deduct the cost of improvements or repairs I've made to my home?       How do I figure the tax on the sale of my home?       I refinanced my principal home last year and paid points. What are points, and can I deduct them on my tax return?       We just bought our first home. What can we deduct from the settlement statement?     Taxes and insurance proceeds       Are life insurance proceeds income taxable?       I receive disability insurance payments. Are they taxable?