Business

Q. I want to open a bank account with my mother so I can help make sure her bills are paid. Should we be on the same account or are there possible problems I’m not thinking of? Instead of could get online access to her account I guess, but what I could do then would be limited, right?

Q. I’m thinking of starting my own business but I will need to buy health insurance. What should I do to find out the prices I should expect? I wouldn’t have employees but I’m married with three kids. Can Obamacare help?

Q. What are important documents we should have? For example, will or living will etc.

Q. Like most people, my largest asset is my home. If I am in a situation where my long term care insurance is exhausted and my other assets begin to be drawn down to pay for my care, is there a way to protect my home from being taken?

Q. I’m 30 and I know I have to take risk in the stock market because I have a long time to go before I retire. How can I decide how much risk, and what kinds of investments should I use?

Q. I don’t think I have good investment choices in my 401(k) plan, but I’ve always saved the max. Does it make sense to save to an IRA instead and put the rest in some other kind of account where I can choose the investments?

Q. How long should we keep expired insurance policies for auto, home, and personal liability? We renew them every year. Is there any reason to keep the expired ones? If so, is it enough to keep just the declarations pages and toss the actual policies and endorsements?

Q. Why can’t I use a Health Savings Account to pay for over-the-counter medicine? My card gets rejected at the store when I try to use it for stuff like Tylenol or cold medicine.

Q. Only 10 percent of my savings is in Roths and I want more tax-free money when I retire. I don’t have enough for an IRA but I save the maximum to my 401(k). Should I switch to a Roth 401(k)?

Q. I have $50,000 in a stock account and $250,000 in retirement accounts. Can I use the stock account to add money to my IRA, and if I can, do I have to sell the stocks? And can I just transfer the money to my current IRAs? Or do I need a new one?