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There are 17402 articles in 2117 discussions. See the most recent and the best rated articles in Financial Planning below

The most recent discussions

Only silver plan rebates OOP, unaffordable care act


December 1, 2014, 1:39 am

To cover a scenario where your income falls off a cliff next year - whether loss of job or big capital losses - it sounds like it may be important to be covered by an extortionate SILVER health plan ... Read more »

Trust Book Suggestion Explaining Options For A Trust For Grandson ?


November 3, 2014, 11:38 pm

Hello, Am pushing 80 now, and have a 4 yr old Grandson. Sure helps in keeping one young ! Am thinking that I would like to set up some kind of Trust for him. Know nothing about Trusts, and will c... Read more »

The Rise of the Robo-Advisors


October 31, 2014, 7:34 pm

Feedback, as always, very much welcome. --David Financial Planning versus the Robo-Advisors Posted by David on October 31, 2014 ? Leave a Comment It seems that every day there's another headline... Read more »

Asset Placement into Various Account Types


October 31, 2014, 7:34 pm

I want to establish the following asset allocation: 15% domestic large cap stock etf 15% domestic small cap stock etf 10% international large cap stock etf 10% international small cap stock etf ... Read more »

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). http://www.klgates.com/files/Publication/988b8d16-4819-457c-bfd2-0345d7652754/Presentation/Publica... Read more »

Retirement spending and happiness


June 26, 2014, 2:47 pm

Fidelity at https://www.fidelity.com/viewpoints/retirement/what-to-spend-in-retirement 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 »

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The best rated discussions

rating
5

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 »

rating
5

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 »

rating
5

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 »

rating
5

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

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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 »

rating
5

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 »

rating
5

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 »

rating
5

A tool for comparing mutual funds and etfs


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

rating
4.5

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 »

rating
4.5

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 www.soa.org. ... Read more »

rating
4

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 »