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The most recent discussions

Reverse mortgages now almost a must?


April 10, 2016, 9:08 pm

Marketwatch has an article about new rules making reverse mortgages more attractive: The new math on reverse mortgages http://www.marketwatch.com/story/the-new-math-on-reverse-mortgages-2016-04-10 . ... Read more »

Any Web Sites That Review SEP ?


March 25, 2016, 4:58 pm

I'm looking for a web site where I can read some reviews on SEP plans that are available from various vendors. Any recommendations? Read more »

Muni Bond ETFs looking good?


March 14, 2016, 1:58 am

Here are some muni observations that puzzle me... Muni bond funds recently seem to have some of the steadiest preservation of capital of all the bond types that I track, in spite of the Puerto Rico ... Read more »

Return of Capital Becoming Popular


February 25, 2016, 3:52 pm

More and more of my non-REIT stock positions are paying returns of capital instead of qualified dividends. I realize this reduces my stock's basis. I welcome comments on the implications of this for ... Read more »

Question on the new Social Security claiming rules


December 29, 2015, 2:44 pm

I am age 65 (DOB 10/01/1950) and my wife is 63 (DOB 10/23/1952). Prior to the November 2 changes to the Social Security law, our preferred plan had been for my wife to claim her benefit in June 2016... Read more »

Vendors Who Create Pure Financial Plans


December 1, 2015, 11:44 pm

How do I find vendors who specialize in constructing - and advising on - long term financial plans. It appears to be the case that most financial planners want to manage all your money and constr... Read more »

Vendors Who Construct Pure Financial Plans


December 1, 2015, 11:44 pm

How do I find vendors who specialize in constructing - and advising on - long term financial plans. It appears to be the case that most financial planners want to manage all your money and cons... Read more »

Calculating Roth IRA Basis


November 30, 2015, 7:48 pm

This is a followup to a question I asked back in June. My Roth IRA contains regular contributions as well as conversions from both deductible and non-deductible IRA contributions. I have not tracke... Read more »

$ Gift To Grandson ?


November 9, 2015, 6:36 pm

Hello, Sr. Citizen now, very, and would appreciate any advice or opinions on the following. Hate to admit it, but I miss a lot of the nuances now. Would like to give a gift to a Grandson of some... Read more »

Significant changes to social security claiming rules?


November 6, 2015, 6:09 pm

If I'm reading this correctly, does this mean that lots and lots of here's precisely how to apply for social security articles that have been written over the years are now pretty much entirely in... Read more »

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The best rated discussions

Annuity Question rating: 5

  [ 2 ]

A financial advisor, who seems knowledgeable, has suggested a variable annuity called Lifeguard Freedom Flex from Jackson National Life Insurance Company. The purpose is to provide guaranteed income... Read more »

Upside down options rating: 5

I am upside down due to the market even though I went in with 20% down. I pay regularily and even pay down principle on a regular basis. Besides something catastrophic, this trend will continue inde... Read more »

Rules change on 529 plans on FAFSA applications? rating: 5

I've heard it stated for several years (perhaps erroneously) that 529 plans (both regular and 529/UTMA) don't get included on the FAFSA finaid application. However, I was just looking at the 2011-201... Read more »

Life insurance vs. 529 plan rating: 5

I've just had a fascinating e-mail. A grandparent had mentioned to a friend (who happens to sell insurance) that he was thinking about starting up a 529 for his recently born grandchild, as he'd don... Read more »

Can a non-resident alien invest in a 529 plan rating: 5

Hi: I am in U.S on a work visa and would like to invest for my child's college through ESA & 529 plan. I researched a few 529 plans (florida, nevada, georgia) but the eligibility in them is for U.S c... Read more »

Potential loophole in the banking system? rating: 5

Can someone please give me some intelligent feedback on this website: www.bankflaw.com This website claims you can get up to 10% on your Money Market Savings account. I do not believe this to be 'ki... Read more »

Mailing a stock certificate to broker? rating: 5

It's for 70 shares of IBM, so it's worth about $6400. Do I just send it certified mail? Or am I supposed to first class and insure it for, say, 5% of the value? Also, where and how am I supposed ... Read more »

Using 401K as a bridge loan for house purchase rating: 5

Is it better to borrow money from your 401K temporarily as a bridge loan as opposed to getting an actual bridge loan? I am interested in house and although I do not need to sell my house first, I wou... Read more »

Rental Property Refinance Tax Deduction rating: 5

Dear All: I have been bothered with question for a while, and would appreciate any advise. I own a rental property (mortgaged) with some equity (~40K) in it. When I file taxes, I use the interest pai... Read more »

Annuity vs Managed Payout rating: 5

Have about $400K in 401k, diversified, but just sitting there since retirement 2 yrs ago. A broker/advisor is pushing me toward AVIVA IncomePlus Fixed Deferred annuity- Indexed fund w/Lifetime Pay... Read more »

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