Business

Q. I didn’t know we couldn’t do File and Suspend any more, and this changes things for when we can retire. Is there anything we can do? I’m 60 and my wife is 61.

Q. I have a 529 plan and my daughter starts college this year. It won’t be enough to cover all four years. Should I use the 529 for all her expenses like books and spending money, or should I save it all for tuition? She will need to take a loan by the time she’s a junior.

Q. I’ve been a good saver in my 401(k) plan, but I don’t have much else. Now I have an inherited IRA that I need to take distributions from. Am I better off putting the money in an IRA or saving in a different account that I can access any time? I’m 42.

Q. I keep hearing about alternative investments like real estate. I can’t afford to buy a house. Is there another way to buy alternative investments like gold?

Q. I show my dog at dog shows, and sometimes he wins money. If I have to declare it as income, can I deduct things like dog food and vet bills?

Q. I have $600,000 in retirement accounts and a friend suggested I buy an annuity so I can create a “paycheck for life.” I know annuities can be expensive. What do I need to know?

Q. I don’t trust my older son with money. My younger one is fine. Is it unfair to put restrictions on the inheritance the older one gets eventually? I’m 70.

Q. I want to change from actively managed funds to index funds, but my wife says she likes the investments we have even though they are more expensive. What can I do to try to change her mind?

Q. I’m thinking of getting my son a credit card on my account when he goes to college. Are there ways to limit how much he can spend — except for threatening him, of course!

Q. How can I decide between a Roth IRA and the other kind? I’ve never invested before. I’m 32.