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There are 17400 articles in 2116 discussions. See the most recent and the best rated articles in Financial Planning below

The most recent discussions

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 »

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 »

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The best rated discussions

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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 »

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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 »

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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 »

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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 »

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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 »

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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 »