8. Explain the difference between tax free and tax deferred investment vehicles. (LO 1,5) 9. Name the tax credit that is available to most undergraduate college students (LO 4) 10. List three common itemized deductions. (L03) | 12. In order to avoid the 10% penalty (given that one does not qualify for an exception) at what age can someone can withdraw money from a traditional IRA or 401(k). (LO 1,5)