I am being offered a lower interest rate on my mortgage. I have my current mortgage is with citi and they are offering to lower it and tell me it is no cost.( i am reading the fine print). I have been researching this online and wanted to talk to someone and explain my situations and help make a decision.2 nd is I have a custodial account that i started 13 yrs ago for my now 17 yr old and it has not done well ( lost money). i want to close it and want to understand the tax implications if any. 3 rd I saw on Suzy orman that i can contribute to a regular IRA ( I won't take tax credit ) and can then convert it to a Roth IRA. i want to know if this is true
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