By Karin Price Mueller | NJMoneyHelp.com for NJ.com Q. I intend to retire from a New Jersey public school in 2025. I will be 60 years old by then with 30 years of service. I am trying to plan for how my pension will be taxed, and also what affect my pension will have on Social Security. I am married and I have been told that if my annual joint income is over $44,000, up to 85% of my Social Security can be taxed. Does my pension negate my Social Security? — Still working A. He

By Karin Price Mueller | NJMoneyHelp.com for NJ.com Q. If I gift I Bonds to my grandson, could he cash it out at anytime? Also do I pay taxes on it every year? — Grams A. I Bonds are a kind of U.S. Savings Bond, and they’re very popular these days. The interest rates they pay are based in part on inflation, so you know those rates are attractive today. Let’s go over some background. When you buy a bond, you are lending money to the bond issuer, said Bernie Kiely, a certified

By Karin Price Mueller | NJMoneyHelp.com for NJ.com Q. I live in New Jersey but work in New York. It seems that I owe income taxes paid to New York. I just received an invoice for tax year 2019 for over $7,000 that I owe. I am very confused and trying to figure it out. I do my taxes on TurboTax each year and have never had an issue. But now it’s concerning that this is coming from 2019. How do I know if I’ve paid these and that I won’t be double taxed? It mentions that I need