Generally, the requirements for a qualified mortgage include: Certain risky loan features are not permitted, such as: An "interest-only" period, when you pay only the interest without paying down the principal, which is the amount of money you borrowed.

Qualified and non-qualified annuities are defined by whether or not the money used to purchase them has been taxed. Qualified annuities are bought with tax-free money from a retirement savings plan, such as an IRA or a 401(k). Non-qualified annuities are those bought with after-tax funds.

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