Note to Readers: I'm pleased to be launching Ask Carrie, a personal finance advice column designed to answer your most pressing personal finance questions. My aim is to give you clear, straightforward information and to keep the "personal" in personal finance. So please ask away. You can email me at askcarrie@schwab.com. Unfortunately, I won't be able to respond to you directly, but I will include questions of general appeal in the weekly column.

Dear Carrie: I' ...

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