Guard against tax hikes with an IRA
Guard against tax hikes with an IRA
Stressing about future rate increases? A Roth IRA helps safeguard against them because you make after-tax contributions now and tax-free withdrawals after age 59 1/2.

In 2011, a couple earning under $169,000 can each sock $5,000 into a Roth (those 50-plus can add $1,000 more).

Earn too much? Put $10,000 into a traditional IRA, then convert to a Roth (you'll owe income tax on the amount converted).

Last updated October 18 2011: 5:42 PM ET
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What to do with $1,000 now

When stocks are scary and bank account yields paltry, parking your money under the mattress might seem like the only sensible move. Not the case. What follows are some good ideas for places to put a cash stash.

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