Ask Kip

Ask Kip

Kiplinger reporters and editors answer readers' real-life personal-finance questions.

July 29, 2019

How Long You Must Wait to Make Penalty-Free Withdrawals After Converting to a Roth IRA

The timing of converting money from a traditional IRA to a Roth can affect how long you must wait before you’re allowed to withdraw money without penalty.

See More On: Roth IRAs

August 5, 2019

How to Maximize Social Security Through Spousal Benefits

Spouses born before 1954 can still take advantage of a strategy to boost Social Security retirement benefits.

See More On: Social Security | Saving for Retirement

July 23, 2019

How to Use a Grandparent’s 529 Account to Reimburse College Expenses

Through timely withdrawals and good recordkeeping, a grandparent’s 529 college-savings plan can help families recoup money spent on college.

See More On: 529 Plans | Paying for College

July 19, 2019

How to Find Buyers for Your Baseball Card Collection

The first step to selling baseball cards is finding out the value of what you own.

See More On: Leisure Spending | Budgeting

July 2, 2019

How to Find the Right Online Bank for You

The higher interest rates offered by online banks sure are tempting, but do your research first.

See More On: Saving Money | Banking

June 28, 2019

What Grandparents Need to Know About Using Savings Bonds for a Grandchild’s Education

It’s not easy, but grandparents can avoid a tax bill when redeeming savings bonds to pay for a grandchild’s college costs.

See More On: Tax Breaks | Tax Planning

June 27, 2019

How to Protect Your Home From Deed Theft

You don’t need to pay a company to protect you from criminals who put their names on your home title. You can protect yourself for free with these steps.

See More On: Scams | Banking

June 26, 2019

When Your Credit Card’s Travel Insurance Coverage Isn’t Enough

Many credit cards offer travel insurance as a perk, but the limited coverage may not be adequate if you are taking an expensive trip.

See More On: Travel | Making Your Money Last

May 17, 2019

Why Your Investment Return May Differ From the Fund Company's Returns

The amount you invest, the timing and the price you paid for the shares will determine your return when investing in a mutual fund.

See More On: Mutual Funds

May 16, 2019

How to Add Treasury Bonds, Bills and Notes to an IRA

While you can't use the government's TreasuryDirect website to buy Treasury securities for your IRA, there are other ways to get the securities online.

See More On: Stocks & Bonds | Banking | IRAs

May 15, 2019

Why Your Credit Score May Drop When You Shop for a New Phone Plan

Wireless carriers often use a scoring system that differs from the traditional credit score when it reviews new mobile customers.

See More On: Credit Reports & Scores | Leisure Spending

May 13, 2019

How to Avoid Required Distributions from a Roth 401(k)

Rolling a Roth 401(k) into a Roth IRA can eliminate required distributions for investors who want their money to continue to grow tax-free.

See More On: Required Minimum Distributions (RMDs) | 401(k)s | Employee Benefits