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Desja
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Applying for ‘early college decisions’ and financial aid questions

Q. My son is applying early decision to one school. But I know we won’t get the financial aid package until later. How can he say yes — if he’s accepted — if we don’t know what it’s going to cost?

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IvelinRadkov
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Avoiding taxes on retirement distributions

Q. I don’t need my Required Minimum Distributions and I don’t want to pay taxes on them, but I don’t really want to give them to charity. Are there other options?

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533033039
Mathias Rosenthal
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Tax changes for NJ retirees

Q. Can you explain about before vs. after-tax savings for retirees? For example, I plan to retire in 2018 and will have a pension of about $40,000, filing taxes as single. I don’t expect additional income. What would I owe in taxes under the new bill that gives help for retirees?

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claudiodivizia
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Lowering your taxable income after that big raise

Q. I got a big raise, and I’m afraid it will put me into a higher tax bracket. What can I do to lower my taxable income?

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Donald Trump
Donald Trump (Jeff Swensen/Getty Images)
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Trump’s presidency and the stock market

Q. What areas of the stock market should be unaffected by the election?

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Huntstock, ThinkStock
Huntstock, ThinkStock
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Are annual credit cards fees worth it?

Q. I have a credit card with a $95 annual fee. I’m trying to decide if I should cancel or if it will hurt my credit report. What do you think?

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The right destination
alphaspirit
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You may want to take a second look at your estate planning

Q. We had our estate planning documents set to have a trust to help us avoid estate taxes in New Jersey. Now that it’s changing, do we have to change our plan again?

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Mother working in home office while boys play
Jupiterimages
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Depreciation from a home office

Q. Please explain depreciation, and why would anyone want to do it? It seems you’d get killed in taxes when you eventually sell a home.

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Many questions with unique one
montego666
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Deciding if municipal bonds are right for your investment strategy

Q. How can I decide if I should have municipal bonds? Is there a formula or something?

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The word Give
Thinglass
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Donating a 401(k) distribution to charity

Q. Can a Required Minimum Distribution from a 401(k) plan be paid directly to charity?

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