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 17392 articles in 2113 discussions. See the most recent and the best rated articles in Financial Planning below

The most recent discussions

FDIC and NCUA insurance limits for trust accounts

September 1, 2014, 4:58 pm

A living trust document specifies 15 beneficiaries, with a first group of three beneficiaries getting a specific distribution of $xx each (relatively small in the grand scheme) and a second group... Read more »

How quickly should capital gains be realized in a taxable account?

August 29, 2014, 3:12 pm

Suppose one has $300,000 in taxable gains consisting of stock held a long time. Realizing the entire $300,000 would result in a large tax bill and higher tax prepayments in the current and the follo... Read more »

More than you wanted to know about non-transparent ETFs

July 30, 2014, 8:09 pm

A very informative article on non-transparent ETF. (Not that I personally see the point of them). Read more »

Retirement spending and happiness

June 26, 2014, 2:47 pm

Fidelity at says, Our rule of thumb is that most people can expect to spend about 85% of their after-tax working income in ... Read more »

UTG, Closed End Funds, and Leverage

June 18, 2014, 1:02 am

Over the last several months from time to time I have read of certain income oriented investors buying some of the utilities fund UTG. I looked at its stats and rolled my eyes. It seemed like the pro... Read more »

margin account and association with Form 1099-DIV

June 14, 2014, 6:02 am

Have a has a margin account with Investit Investment Company. The stocks and bonds in the account earned dividends and interest of $10,000 in 20X9. The $10,000 was paid directly to the margin account... Read more »

Want to lease mineral rights to an oil company

June 12, 2014, 1:01 am

I own mineral rights in SW OK and want to find oil companies interested in them. How do I do this. Read more »

Irrevocable Trust for "Small" Estate?

June 4, 2014, 4:08 am

A friend has about $1.6 million in assets. He is about 61-years-old. After his death and his wife's death, the friend has two nephews (both adults in their 20s and 30s) to whom he wants to leave the ... Read more »

can you roll over the non-invested portion into a new 401k

May 31, 2014, 2:51 pm

can you roll over the non-invested portion of your 401k to your new 401k Read more »

buying family home with no down payment.

May 30, 2014, 12:40 am

she has bought me a mobile home which I pay all the costs and have a life estate. This has cost her excellent credit to be over the limit for her to refinance. If I could buy her home, she could sell... Read more »

Click here for other recent discussions »

The best rated discussions


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 »


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 »


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 »


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 »


Upside down options

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 »


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 »


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 »


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 »


Vehicle Loan vs Home Equity Loan

We have a truck loan at $29,000 at 3.9%, payment about $690/mo. I was thinking about transferring that debt to a fixed rate 8% home equity loan for 10 years after paying it down to $25,000. That woul... Read more »