Financial Planning - Main Page

Do you have a question? Post it now! No Registration Necessary

Financial Planning Financial planning in general. (Moderated). This forums is a Web, RSS and Social Media interface to
There are 17337 articles in 2098 discussions. See the most recent and the best rated articles in Financial Planning below

The most recent discussions

The Seven-Figure Portfolio Fee

April 12, 2014, 8:03 pm

Wall Street Journal recently published, in their WSJ.Money magazine, an article titled The Seven-Figure Portfolio Fee. Here's a link to it: The subtitle is The cost of managing finances is com... Read more »

Incredible Shrinking Management Fee

March 9, 2014, 2:14 pm

Two companies mentioned in the article are WiseBanyan Wealthfront Read more »

How much property tax can be paid in advance?

March 8, 2014, 2:17 pm

In my writing about timing one's deductions to itemize in alternate years, I've suggested pulling in the tax payments from the next calendar year, e.g. the '15 Q1 and Q2 payment into 2014. As a c... Read more »

my rate factor is .03235 for 36 month lease what is my interest rate ?

March 6, 2014, 4:32 pm

cost of item: $26500 lease term 36 months $ 1 buy back at end of lease rate factor: .02325 what is my annual interest rate ? Read more »

Five Return Limit for Efiling

March 1, 2014, 4:06 pm

I spent a few hours putting my 2013 tax info into, then attempted to efile. Efiling was rejected. The TaxAct rejection notice said I had already e-filed five returns. Evidently the IRS per... Read more »

fixed income historical data

February 27, 2014, 1:18 am

Is there a bond index of some sort that is to fixed income as the S&P500 is to equities, and for which historical data is available over a long period ? (For example, Robert Shiller maintains a S&... Read more »

Valuing 401k as a Benefit

February 24, 2014, 3:13 pm

I'm considering taking a job at a startup which offers zero benefits. I'm trying to assign a value to all the benefits I would be giving up. But I'm sort of puzzled as to how to value the 401k plan... Read more »

FINRA on 401(k) rollovers to IRAs

February 23, 2014, 9:07 pm

FINRA, the Financial Industry Regulatory Authority, is the securities industry's self-reglatory organization. They do the various test, deal with broker and advisor registration and monitoring, etc.... Read more »


February 14, 2014, 7:56 pm

Why was my last post rejected without a reason being given? ======================================= MODERATOR'S COMMENT: Please re-post. The spam filters are sometimes aggressive, and every once... Read more »

Performance of top-rated Morningstar mutual funds

January 28, 2014, 9:15 pm

If you think future outperformance of top-rated Morningstar domestic equity funds will be 0.7% a year, as it was in the past, the after-tax return on index mutual funds will probably be higher, since... Read more »

Click here for other recent discussions »

The best rated discussions


A tool for comparing mutual funds and etfs

An experimental tool I created is available: The user needs to specify the symbol of one mutual fund/etf to receive similarly behaving other financial instruments. In case simila... Read more »


Rules change on 529 plans on FAFSA applications?

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 »


Annuity vs Managed Payout

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 »


Economics of retaining an older car, versus a buying a new car

  [ 2 ]

My wife and I are planner, saver types; we also had good fortune of being born to families who stressed hard work and education and as a result, we both have good careers, and have become financially... Read more »


Life insurance vs. 529 plan

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 »


401k rolled into a Roth IRA or traditional ira?

I will soon have to make a decision on my 401k plan.My company was sold to a private firm and I need to roll my 401k into a IRA or even another 401k.My question is this.....are there any restrictions... Read more »


making annuity liquid

I have a Jackson Perspective L Series Fixed & Variable Annuity. I'm age 65. Wanted to annuitize so I can start withdrawing money each year but agent told me annuitizing right now with low interest ... Read more »


Life Expectancy table?

Can someone provide a pointer (specific URL) for the 2000 Individual Annuitant Mortality Table, aka the RP 2000 Life Tables, provided by the Society of Actuaries? I could not find it at ... Read more »


Self-control strategies

Saw the following, relating the results found in a report by Barclay's Wealth. (Text below copied from a blog posting about it - the report itself may be found here: Read more »


Reverse Mortgage Note and Trust Deed

My lender gave me the docs for my HECM Reverse Mortgage. Everything looked ok except that the Trust Deed has a principal amount that is 1.5 times the amount of the appraised value of the property, i... Read more »