Retirement Planning   Articles     Saving for retirement       Annuities and retirement planning       Borrowing or withdrawing money from your 401(k) plan       Deciding what to do with your 401(k) plan when you change jobs       Estimating your retirement income needs       Retirement planning--the basics       Understanding IRAs   FAQs     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 set up a traditional IRA?       Can I shift my traditional funds to a Roth IRA?       I need money--can I take funds from my IRA?       What are required minimum distributions and how are they calculated?   Tax Planning   Articles     General tax planning       Am I having enough withheld?       Help! I can't pay my tax bill       Tax planning for the self-employed       Year-end tax planning     Tax credits and deductions       Education tax credits       Qualifying for the home office deduction       Understanding personal tax credits   FAQs     Tax credits       What are the Hope credit and the Lifetime Learning credit?     Tax deductions       Can I deduct home office expenses?       How do I deduct and substantiate my gambling losses?       I paid my mother's real estate taxes last year. Can I deduct this on my tax return?       We just bought our first home. What can we deduct from the settlement statement?