Citibank offers a 5.85% six-month term deposit ...in Australia. How do I get that? — Warren Glaser, East Greenbush, N.Y.
Move to Australia. That introductory deal and other juicy rates touted by Australian banks like Citibank's subsidiary are for locals only. One U.S. bank, EverBank, makes it easy to invest in foreign certificates of deposit, but its rates are a lot lower than Citibank's offer— 2.25% for a one-year Aussie CD, for example. MOREJun 15, 2012 4:20 PM ET
My wife and I did a partial Roth IRA conversion in 2010. Half of the taxes were paid on our 2011 return. If need be, can we withdraw that portion tax- and penalty-free? -- Greg, Mission Viejo, Calif.
First, a small clarification: individual retirement accounts (IRA's) can't be jointly owned, so the distribution rules apply either to you or your spouse — whoever's name is on the account.
Now, the answer: Should you MOREJun 13, 2012 5:05 AM ET
I have retired after 31 years in a relatively good-paying field. I do not plan on taking Social Security for a number of years. If I take a low-paying, part-time job, will that affect my future Social Security payments? -- J.D., Woodbridge, N.J.
It will likely increase your payments by at least a bit. Social security payments are calculated based on one's top 35 years of work. Because you've worked for MOREJun 11, 2012 5:05 AM ET
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