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Kimberly Lankford

Contributing Editor
Kiplinger's Personal Finance

As the "Ask Kim" columnist for Kiplinger's Personal Finance, Lankford receives hundreds of personal finance questions from readers every month. She is the author of Rescue Your Financial Life (McGraw-Hill, 2003), The Insurance Maze: How You Can Save Money on Insurance -- and Still Get the Coverage You Need (Kaplan, 2006), Kiplinger's Ask Kim for Money Smart Solutions (Kaplan, 2007) and The Kiplinger/BBB Personal Finance Guide for Military Families. She is frequently featured as a financial expert on television and radio, including NBC's Today Show, CNN, CNBC and National Public Radio.

Latest Features

Ask Kim
April 2017

How to Avoid the Medicare Part D Penalty

If you don’t sign up for a Part D prescription-drug plan when you become eligible for Medicare, you could face a penalty -- unless you already have other coverage.

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Ask Kim
April 2017

Taking Required Minimum Distributions From a SEP IRA

When it comes to RMDs, simplified employee pensions have the same rules as traditional IRAs.

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Family Finances
April 2017

7 Smart Personal Finance Moves for Military Personnel Before Deployment

Take smart steps to protect your family and your finances.

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Ask Kim
April 2017

How a Scholarship Affects Your 529 College-Savings Account

You can withdraw up to the amount of a scholarship from your 529 account without paying a penalty on the earnings, even if you don’t use the money for eligible college costs.

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Ask Kim
April 2017

What to Do With Old Savings Bonds

First, check to see whether they are still earning interest. If not, cash them in and invest the money somewhere else.

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Tax Prep & Filing
April 2017

How Long Should You Keep Tax Records?

Here's some guidance on what to hang on to and what you can toss.

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Tax Planning
April 2017

Tax Day Tip: 3 Smart Ways to Spend Your Tax Refund

Getting money back from Uncle Sam? Use it wisely.

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Roth IRAs
April 2017

Tax Day Tip: Invest Your Tax Refund in a Roth IRA

You'll thank yourself in retirement. Trust us.

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Ask Kim
April 2017

How to Sidestep Required Minimum Distributions From Roth 401(k)s

You usually have to take RMDs from a Roth 401(k) after age 70½ — unless you convert the account to a Roth IRA.

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Ask Kim
April 2017

Boost Your Social Security Benefit Every Month You Delay

You don't need to wait an entire year beyond your full retirement age to earn delayed retirement credits.

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Ask Kim
April 2017

Selling Jointly Owned Stock After the Death of a Spouse

How you will be taxed depends on the state in which you reside.

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SLIDE SHOW
April 2017

10 Smart Uses for Your Tax Refund

If you have a refund check coming your way, consider using it to bolster your personal balance sheet. The average refund is usually around $3,000, and most people receive the money within three weeks of ...

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Ask Kim
April 2017

Does the IRS Owe You Money?

The IRS says it has $1 billion in unclaimed tax refunds for 1 million taxpayers from 2013. But the deadline to claim it is April 18.

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Health Care & Insurance
April 2017

FAQs About Medicare

When you turn 65, you have to master a new health care system. We’re here to help.

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Ask Kim
March 2017

How to Deduct Medical Expenses on Your Tax Return

You may be able to write off what you pay out of pocket for health care, but only to the extent that those expenses exceed 10% of your adjusted gross income.

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Ask Kim
March 2017

How to File an Amended Return to Claim an Education Tax Break

The American Opportunity Credit is worth up to $2,500 per student for each of the first four years of college. If you missed taking the credit, you may still be able to claim it by filing an amended return.

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Ask Kim
March 2017

How to Report a Tax-Free Transfer From an IRA to Charity

Your IRA administrator should have sent you a Form 1099-R, but you’ll also need to specify on your return that your distribution was a tax-free transfer to charity.

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