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What are points, and can I deduct them on my tax return?       Should I refinance my home mortgage?   Protection Planning   Articles     Health insurance       Coping with medical bills       Coping with rising prescription costs       Lowering the cost of health care   Retirement Planning   Articles     Saving for retirement       Retirement planning--the basics       Taking advantage of employer-sponsored retirement plans   Decision Tools     IRAs       Comparison of traditional IRAs and Roth IRAs   FAQs     Health care issues       Can I deduct premiums paid for long-term care (LTC) insurance?       How do I enroll in Medicare?       Should I buy long-term care insurance?     IRAs       Can I contribute to a Roth IRA?       Can I set up a traditional IRA?       I need money--can I take funds from my IRA?       It's January, and I forgot to contribute to my IRA. 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I can't pay my tax bill       Surviving an audit       Tax planning for income     Tax credits and deductions       Education tax credits       Personal deduction planning       Qualifying for the home office deduction       Understanding personal tax credits     Taxes and insurance       Income tax tips: business insurance       Tax planning for annuities       Tax planning tips: auto insurance       Tax planning tips: disability insurance       Tax planning tips: life insurance       Tax tips: health insurance       Tax tips: homeowners insurance       Tax tips: long-term care insurance   FAQs     Tax credits       Can I take the credit for the elderly or disabled?       Can I take the tax credit for child care?       Now that my child is in college, am I entitled to any education tax credits?       What are the Hope credit and the Lifetime Learning credit?       What is the child tax credit?       What is the difference between the child tax credit and the child and dependent care tax credit?       What is the earned income credit and who qualifies for it?     Tax deductions       Can I deduct home office expenses?       Can I deduct premiums paid for long-term care (LTC) insurance?       Can I deduct the cost of improvements or repairs I've made to my home?       I paid my mother's real estate taxes last year. 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