Q. My IRA account contains both before- and after-tax contributions that have accumulated over 10 years. I pay my trustee fees each year rather than lose any earnings. My question: Are these trustee fees that I pay partially or fully deductible on my tax return?\ - M.M. Greensboro

A. The Internal Revenue Service says that, yes, such fees can be included among your miscellaneous deductions. However, keep in mind that you can claim only that portion of miscellaneous deductions that exceed 2 percent of your gross income.Q. My wife and I are retired. We both have IRAs. If I die, can she take my IRA and roll it over to her IRA?\ - T.F.M, AsheboroA. The answer is yes. But, according to the IRS, such rollovers are permitted only for spouses. Other beneficiaries, such as children, may not roll over inherited IRAs into their own.

Q. During the summer of 1988, I failed to make three payments to my major credit card and one payment on a department store card. Even though I had held both cards for over 10 years with no problems, I now find myself with a poor credit report. Is there any way to remedy this situation without waiting the designated time to clear my credit rating? I am prepared to pay off the total balances if this will help.\ - M.E.C, Greensboro

A. Paul Miller, vice president of the Credit Bureau of Greensboro, says that what is known as ``derogatory credit' information remains in an individual's file for 7 years. However, under the Fair Credit Reporting Act, you have the right to put into your file a statement explaining the situation that caused the delinquent payments. Hence, future credit granters who access your file will have that statement to consider in making a credit decision.

If you want to put such a statement in your file, send it to Miller at P.O. Drawer A, Greensboro 27402. He will enter it into your file and send you a copy of your file with the statement included.

Miller said this provision of the law is an ``excellent resource' for people who have justifiable explanations for financial problems. But, he noted, not many people take advantage of it.\

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