Q. I’m thinking of going all digital, stopping all paper statements and bills. What do I need to save — stuff I can download online — and how long do I have to save it. And is there anything I need to have paper for?
Q. My wife and I (both 65+) have four children. We want to split our estate four ways when we are both gone. Two of our children are responsible adults. No problem. The other two never grew up and would spend away their legacy on trivia and questionably needy friends. Is there a way we can restrict their use of the inheritance to health/education/necessities?
Q. I live in a retirement community and there are several open units. I’m thinking of buying them and renting them out, but I would have to take mortgages or take money from my retirement accounts. What should I think about?
Q. I cancelled a credit card to stop a company from auto-renewal charges I couldn’t get them to stop. I’ve heard that businesses can search for other credit cards in your name and charge that. Is that true?
Q. I have to take my Required Minimum Distribution (RMD) by the end of this year. Why does New Jersey tax my RMD when I paid New Jersey taxes on each year on money that I contributed to my IRA or 401(k).
Q. I’m 55, my house is paid and I have no debt. I have a large enough emergency fund and I’m comfortable with my investments. I’m considering canceling all my credit cards because I never use them. What do you think?
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