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Q: I EE Savings Bonds and I wonder if I can use it for my son's education without paying taxes on them. H., Oviedo

A: The education tax exclusion is issued to the EA series bonds in 1990 or later, if certain conditions are available. These requirements relate to you that your relationship with the person to go to school and the nature of costs. For more details go to treasurydirect.gov Richard Almeida

Q: I have an individual retirement account and 401 (k). Then I asked my minimum distribution from one account? JB Orlando

A: You can take a distribution from an IRA minimum distribution from IRA to satisfy most, but you must separate the distributions of the IRA and 401 (k) s. This is due to take the IRA and 401 (k) Form of information entered at various places on your tax return, and that is how the Internal Revenue Service continued distribution if it meets your minimum required . Randy Harrison

Q: My annual income is low because of the economy. I collect benefits widow now or wait three years. The difference is $ 170 per month. I can not survive without income, but I want to pay off my mortgage 8 per cent. AK, Windermere

A: Based on your situation you would be able to pay your mortgage faster by the application of social security contributions. Interest savings could offset the difference in the revenue collected. However, you should check with a tax advisor before reviewing a final decision. Beth Fleming-Brown

Got a question? E-mail askanexpert@orlandosentinel.com. Enter your name (initials will be printed only), hometown and telephone. Questions are Certified Financial Planner of Central Florida Chapter of the Financial Planning Association answered. Answers are provided for educational purposes only. Please consult your financial advisor. Questions and answers may be edited for space.

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