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<description>Financial planning in general. &#40;Moderated&#41;</description>
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<title>Financial Planning</title>
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<item>
<title>Why is US govt obligation &#37;age so different between BND and AGG&#63; </title>
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<description><![CDATA[ AGG tracks the Barclays Capital U.S. Aggregate Bond Index BND tracks the Barclays Capital U.S. Aggregate Float&#45;Adjusted Bond Index &#40;but from what&apos;s on the Barclays Capital website, those two indexes ...The post does not have replies yet. <a href="http://www.beansmart.com/financial/why-is-us-govt-obligation-age-so-different-between-bnd-and-17657-.htm">Start the discussion here</a> ]]></description>
<pubDate>Mon, 20 Feb 2012 16:11:43 -0500</pubDate>
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<item>
<title>Redeem CD early for no penalty&#63; </title>
<link>http://www.beansmart.com/financial/redeem-cd-early-for-no-penalty-17648-.htm</link>
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<description><![CDATA[ I received a letter in the mail from my TD Amertrade saying&#58; Lehman Brothers announced an optional Put period for all outstanding 5&#37; Certificates of Deposit due July 1, 2013 &#40; CUSIP 52520KVF1 &#41;. The ...... The post has 12 replies so far. Read more and <a href="http://www.beansmart.com/financial/redeem-cd-early-for-no-penalty-17648-.htm">discuss here</a> ]]></description>
<pubDate>Sun, 19 Feb 2012 18:44:21 -0500</pubDate>
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<item>
<title>cost basis &#45; how far back till &quot;missing&quot; </title>
<link>http://www.beansmart.com/financial/cost-basis-how-far-back-till-missing-17645-.htm</link>
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<description><![CDATA[ I have a few older stocks on my &#40;and my son&apos;s&#41; Schwab accounts that are missing their cost basis, and I have to manually update their entries.... Was wondering what you might have found with your acc...... The post has 1 replies so far. Read more and <a href="http://www.beansmart.com/financial/cost-basis-how-far-back-till-missing-17645-.htm">discuss here</a> ]]></description>
<pubDate>Thu, 16 Feb 2012 18:42:01 -0500</pubDate>
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<title>Average cost basis for mutual fund sales </title>
<link>http://www.beansmart.com/financial/average-cost-basis-for-mutual-fund-sales-17642-.htm</link>
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<description><![CDATA[ I recently sold my mutual fund and it showed a profit from 2003&#45;2011, they have an average cost single category for dealing with capital gains and I showed a profit in that time period.   My question...... The post has 2 replies so far. Read more and <a href="http://www.beansmart.com/financial/average-cost-basis-for-mutual-fund-sales-17642-.htm">discuss here</a> ]]></description>
<pubDate>Fri, 10 Feb 2012 22:22:33 -0500</pubDate>
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<title>FWD&#58; annuities &amp; low interest rates </title>
<link>http://www.beansmart.com/financial/fwd-annuities-low-interest-rates-17635-.htm</link>
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<description><![CDATA[ rescued from the filters, looking into why&#58; From&#58; ps56k  FYI &#45; http&#58;&#47;&#47;finance.yahoo.com&#47;news&#47;interest&#45;rates&#45;low&#45;annuities&#45;sense&#45;050107097.html  tough choices where to park money &#45; for now and income...... The post has 1 replies so far. Read more and <a href="http://www.beansmart.com/financial/fwd-annuities-low-interest-rates-17635-.htm">discuss here</a> ]]></description>
<pubDate>Wed, 08 Feb 2012 13:33:19 -0500</pubDate>
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<title>Pls explain bond terminology </title>
<link>http://www.beansmart.com/financial/pls-explain-bond-terminology-17632-.htm</link>
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<description><![CDATA[ Someone asked for help with a financial problem.  Generally, I know how to  solve the problem.  But some of the terminology does not jibe with my &#40;weak&#41;  understanding of bond terminology. The facts ...... The post has 1 replies so far. Read more and <a href="http://www.beansmart.com/financial/pls-explain-bond-terminology-17632-.htm">discuss here</a> ]]></description>
<pubDate>Wed, 08 Feb 2012 08:42:13 -0500</pubDate>
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<title>FWD&#58; CD for 401k Investment </title>
<link>http://www.beansmart.com/financial/fwd-cd-for-401k-investment-17629-.htm</link>
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<description><![CDATA[ Salvaged from the filters, not sure why it was caught&#58; Subject&#58; CD for 401k Investment&#63; From&#58; Tony Sivori  Is there any legal reason why FDIC insured Certificates of Deposits could not be offered as ...... The post has 5 replies so far. Read more and <a href="http://www.beansmart.com/financial/fwd-cd-for-401k-investment-17629-.htm">discuss here</a> ]]></description>
<pubDate>Tue, 07 Feb 2012 12:08:38 -0500</pubDate>
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<title>social security statement </title>
<link>http://www.beansmart.com/financial/social-security-statement-17624-.htm</link>
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<description><![CDATA[ Every year, I get a statement titled Your Social Security Statement which details all of my earnings since I started paying social security taxes and provides a summary of benefits I would be eligibl...... The post has 3 replies so far. Read more and <a href="http://www.beansmart.com/financial/social-security-statement-17624-.htm">discuss here</a> ]]></description>
<pubDate>Mon, 06 Feb 2012 13:02:47 -0500</pubDate>
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<title>Getting inherited IRAs into &quot;normal&quot; tax&#45;deferred accounts </title>
<link>http://www.beansmart.com/financial/getting-inherited-iras-into-normal-tax-deferred-accounts-17621-.htm</link>
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<description><![CDATA[ My wife has an inherited Roth IRA and an inherited traditional IRA.  She obviously has to take RMDs  from both.  This is annoying for two reasons&#58; 1&#41; In case of the inherited trad IRA, the RMD is    ...... The post has 1 replies so far. Read more and <a href="http://www.beansmart.com/financial/getting-inherited-iras-into-normal-tax-deferred-accounts-17621-.htm">discuss here</a> ]]></description>
<pubDate>Sat, 04 Feb 2012 20:27:53 -0500</pubDate>
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<title>&quot;Leftover&quot; IRA Basis </title>
<link>http://www.beansmart.com/financial/leftover-ira-basis-17616-.htm</link>
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<description><![CDATA[ This is something I probably should have noticed last year, but didn&apos;t.  Since &#37;2007, I have made non&#45;deductible IRA contributions. In 2010, when the income limit for converting to Roth was lifted, I...... The post has 1 replies so far. Read more and <a href="http://www.beansmart.com/financial/leftover-ira-basis-17616-.htm">discuss here</a> ]]></description>
<pubDate>Fri, 03 Feb 2012 15:33:26 -0500</pubDate>
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<title>ideas how to reduce mortgage payment w&#47;o refinancing&#63; </title>
<link>http://www.beansmart.com/financial/ideas-how-to-reduce-mortgage-payment-w-o-refinancing-17614-.htm</link>
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<description><![CDATA[ Looking for any ideas on how to reduce monthly payments on a mortgage that&apos;s mostly paid up &#40;&#36;90k principal left&#41;, to pay off in 10&#45;15 years without the cost of refinancing.  Things I&apos;ve looked at so...... The post has 6 replies so far. Read more and <a href="http://www.beansmart.com/financial/ideas-how-to-reduce-mortgage-payment-w-o-refinancing-17614-.htm">discuss here</a> ]]></description>
<pubDate>Thu, 02 Feb 2012 13:44:46 -0500</pubDate>
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<title>Don&apos;t follow the 4&#37; rule </title>
<link>http://www.beansmart.com/financial/don-t-follow-the-4-rule-17600-.htm</link>
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<description><![CDATA[ A Morningstar article Unpacking the 4&#37; Rule for Retirement&#45;Portfolio Withdrawals by Christine Benz http&#58;&#47;&#47;news.morningstar.com&#47;articlenet&#47;article.aspx&#63;id&#61;534335 discusses the 4&#37; rule &#40;initially spend...... The post has 12 replies so far. Read more and <a href="http://www.beansmart.com/financial/don-t-follow-the-4-rule-17600-.htm">discuss here</a> ]]></description>
<pubDate>Sat, 28 Jan 2012 07:58:23 -0500</pubDate>
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<title>whole life &#45; current valuues </title>
<link>http://www.beansmart.com/financial/whole-life-current-valuues-17597-.htm</link>
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<description><![CDATA[ Was just reviewing our NW Mutual life insurance, that has a larger term life  smaller whole life I was curious about the whole life, since it has the death benefit  cash value. Here are the last 4 ...... The post has 2 replies so far. Read more and <a href="http://www.beansmart.com/financial/whole-life-current-valuues-17597-.htm">discuss here</a> ]]></description>
<pubDate>Fri, 27 Jan 2012 12:21:48 -0500</pubDate>
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<title>Fidelity categorically refuses to use Q for Roth distributions </title>
<link>http://www.beansmart.com/financial/fidelity-categorically-refuses-to-use-q-for-roth-distributio-17596-.htm</link>
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<description><![CDATA[ &#40;More of a tax thing, admittedly, but since some of you may deal with your clients&apos; tax stuff as well, I thought this might be of interest here.&#41; &#40;Background &#45; my mother made a qualified Roth distrib...The post does not have replies yet. <a href="http://www.beansmart.com/financial/fidelity-categorically-refuses-to-use-q-for-roth-distributio-17596-.htm">Start the discussion here</a> ]]></description>
<pubDate>Wed, 25 Jan 2012 16:25:22 -0500</pubDate>
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<title>mortgage lump&#45;sum doesn&apos;t save money&#63; </title>
<link>http://www.beansmart.com/financial/mortgage-lump-sum-doesn-t-save-money-17582-.htm</link>
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<description><![CDATA[ Typical case &#45; eg. prepaying &#36;12000 on a mortgage now will save &#36;10000 in interest over the life of the mortgage.  But why isn&apos;t this actually losing &#36;2000&#63;  Is it any different than giving a bank &#36;1...... The post has 9 replies so far. Read more and <a href="http://www.beansmart.com/financial/mortgage-lump-sum-doesn-t-save-money-17582-.htm">discuss here</a> ]]></description>
<pubDate>Thu, 19 Jan 2012 12:59:28 -0500</pubDate>
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<title>Good long&#45;term economical car ownership strategy&#63; </title>
<link>http://www.beansmart.com/financial/good-long-term-economical-car-ownership-strategy-17576-.htm</link>
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<description><![CDATA[ Hi all, wondering what your thoughts are on what a good general strategy  usually is in order to maintain the cost of transportation.  &#40;I know  there are tons of possible individual factors depending...... The post has 6 replies so far. Read more and <a href="http://www.beansmart.com/financial/good-long-term-economical-car-ownership-strategy-17576-.htm">discuss here</a> ]]></description>
<pubDate>Mon, 16 Jan 2012 18:51:44 -0500</pubDate>
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<title>Can I buy a new IRA&#63; </title>
<link>http://www.beansmart.com/financial/can-i-buy-a-new-ira-17575-.htm</link>
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<description><![CDATA[ I&apos;m retired and have no employment income  only investment income.  I  have a Roth IRA, and no traditional IRA. Can I add funds to an existing Roth IRA&#63; Can I buy either a new traditional IRA or a...The post does not have replies yet. <a href="http://www.beansmart.com/financial/can-i-buy-a-new-ira-17575-.htm">Start the discussion here</a> ]]></description>
<pubDate>Sun, 15 Jan 2012 08:40:24 -0500</pubDate>
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<title>Rising Dividends in 2011 and 2012 </title>
<link>http://www.beansmart.com/financial/rising-dividends-in-2011-and-2012-17569-.htm</link>
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<description><![CDATA[ &#45;&#45;&#45; Companies listed in the Standard &amp; Poors 500&#45;stock index paid &#36;240.6 billion in dividends in 2011, up from &#36;205 billion in 2010. The 2011 payout was the largest since 2008, when firms had not ye...... The post has 4 replies so far. Read more and <a href="http://www.beansmart.com/financial/rising-dividends-in-2011-and-2012-17569-.htm">discuss here</a> ]]></description>
<pubDate>Thu, 12 Jan 2012 15:41:15 -0500</pubDate>
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<title>Top 10 non&#45;leveraged ETFs over the last year </title>
<link>http://www.beansmart.com/financial/top-10-non-leveraged-etfs-over-the-last-year-17566-.htm</link>
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<description><![CDATA[ I saw an article on a financial planning site pointing to the fact that 8 of the top 10 performing ETFs in 2011 were US Government Bond funds.  So I just did a quick double check via Morningstar&apos;s ET...... The post has 2 replies so far. Read more and <a href="http://www.beansmart.com/financial/top-10-non-leveraged-etfs-over-the-last-year-17566-.htm">discuss here</a> ]]></description>
<pubDate>Tue, 10 Jan 2012 14:25:49 -0500</pubDate>
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<title>teacher &#45; 403b &#45; just for last couple years </title>
<link>http://www.beansmart.com/financial/teacher-403b-just-for-last-couple-years-17553-.htm</link>
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<description><![CDATA[ We were at a dinner tonight with some teacher friends and the subject of retiring came up &#45; along with the 403b topic. If someone never took advantage of the 403b program, but would like to make use ...... The post has 6 replies so far. Read more and <a href="http://www.beansmart.com/financial/teacher-403b-just-for-last-couple-years-17553-.htm">discuss here</a> ]]></description>
<pubDate>Mon, 09 Jan 2012 01:09:12 -0500</pubDate>
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<title>Social Security &#45; beneficiary </title>
<link>http://www.beansmart.com/financial/social-security-beneficiary-17554-.htm</link>
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<description><![CDATA[ We were at a dinner tonight, and we happen to be discussing some folks looking at retiring, and the subject came up of Social Security. A question was presented related to Beneficiary.... It looks li...... The post has 6 replies so far. Read more and <a href="http://www.beansmart.com/financial/social-security-beneficiary-17554-.htm">discuss here</a> ]]></description>
<pubDate>Mon, 09 Jan 2012 01:08:50 -0500</pubDate>
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<title>A Bill that didn&apos;t pass </title>
<link>http://www.beansmart.com/financial/a-bill-that-didn-t-pass-17548-.htm</link>
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<description><![CDATA[ In my Coverdell search, I found a bill that I guess didn&apos;t pass. http&#58;&#47;&#47;tinyurl.com&#47;joe120105 links to Bill Text 112th Congress  &#40;2011&#45;2012&#41; H.R.37.IH named 401Kids Family Savings Act of 2011 which  ...... The post has 1 replies so far. Read more and <a href="http://www.beansmart.com/financial/a-bill-that-didn-t-pass-17548-.htm">discuss here</a> ]]></description>
<pubDate>Thu, 05 Jan 2012 16:09:54 -0500</pubDate>
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<title>Coverdell Education Savings Account status&#63; </title>
<link>http://www.beansmart.com/financial/coverdell-education-savings-account-status-17547-.htm</link>
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<description><![CDATA[ I&apos;ve googled, but not with much success, to find the current status of  the Coverdell Education Savings Account, the account formerly known as  Education IRA. I understand the limit for deposit has b...The post does not have replies yet. <a href="http://www.beansmart.com/financial/coverdell-education-savings-account-status-17547-.htm">Start the discussion here</a> ]]></description>
<pubDate>Thu, 05 Jan 2012 15:58:28 -0500</pubDate>
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<title>WSJ&#47;Malkiel&#58; Where To Put Your Money in 2012 </title>
<link>http://www.beansmart.com/financial/wsj-malkiel-where-to-put-your-money-in-2012-17546-.htm</link>
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<description><![CDATA[ Link to article at WSJ&#58; Link to my blog where I made the following comments on it&#58; Another excellent op&#45;ed piece by Burton Malkiel, author of the classic A Random Walk Down Wall Street. Malkiel makes...The post does not have replies yet. <a href="http://www.beansmart.com/financial/wsj-malkiel-where-to-put-your-money-in-2012-17546-.htm">Start the discussion here</a> ]]></description>
<pubDate>Thu, 05 Jan 2012 14:31:24 -0500</pubDate>
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<title>strong stocks not targeted by funds </title>
<link>http://www.beansmart.com/financial/strong-stocks-not-targeted-by-funds-17544-.htm</link>
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<description><![CDATA[ It&apos;s frustrating that most etfs and mutual funds seem to be lockstep in correlation with broader markets, yet there is a class of stocks that are defying downturns and volatility. Maybe they will div...... The post has 2 replies so far. Read more and <a href="http://www.beansmart.com/financial/strong-stocks-not-targeted-by-funds-17544-.htm">discuss here</a> ]]></description>
<pubDate>Wed, 04 Jan 2012 20:42:19 -0500</pubDate>
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<title>WSJ&#58; How to Build Your Financial Dream Team </title>
<link>http://www.beansmart.com/financial/wsj-how-to-build-your-financial-dream-team-17542-.htm</link>
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<description><![CDATA[ http&#58;&#47;&#47;online.wsj.com&#47;article&#47;SB10001424052970204296804577124662217267128.html   How to Build Your Financial Dream Team Some good things in this article to review &#45; for example, they point out that a...... The post has 2 replies so far. Read more and <a href="http://www.beansmart.com/financial/wsj-how-to-build-your-financial-dream-team-17542-.htm">discuss here</a> ]]></description>
<pubDate>Wed, 04 Jan 2012 14:03:24 -0500</pubDate>
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<title>zacks or morningstar membership&#63; </title>
<link>http://www.beansmart.com/financial/zacks-or-morningstar-membership-17537-.htm</link>
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<description><![CDATA[     Thinking of purchasing membership in Zacks or Morningstar. Any  opinions on which one&#63; THANKS&#33; Happy New Year... The post has 1 replies so far. Read more and <a href="http://www.beansmart.com/financial/zacks-or-morningstar-membership-17537-.htm">discuss here</a> ]]></description>
<pubDate>Sun, 01 Jan 2012 23:03:27 -0500</pubDate>
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<title>Self&#45;control strategies </title>
<link>http://www.beansmart.com/financial/self-control-strategies-17533-.htm</link>
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<description><![CDATA[ Saw the following, relating the results found in a report by Barclay&apos;s Wealth.  &#40;Text below copied from a blog posting about it &#45; the report itself may be found here&#58; http&#58;&#47;&#47;www.barclayswealth.com&#47;in...... The post has 1 replies so far. Read more and <a href="http://www.beansmart.com/financial/self-control-strategies-17533-.htm">discuss here</a> ]]></description>
<pubDate>Tue, 27 Dec 2011 14:40:28 -0500</pubDate>
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<title>whole life insurance </title>
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<description><![CDATA[ Almost 25 years ago, my wife and I each took out a whole life policy for  &#36;50K each.  We paid the annual premiums of &#36;360 each for twenty years,  building up cash value.  Then, for reasons I don&apos;t wa...... The post has 8 replies so far. Read more and <a href="http://www.beansmart.com/financial/whole-life-insurance-17528-.htm">discuss here</a> ]]></description>
<pubDate>Fri, 23 Dec 2011 17:27:25 -0500</pubDate>
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<title>disappointment with Fidelity Premimum Services </title>
<link>http://www.beansmart.com/financial/disappointment-with-fidelity-premimum-services-17526-.htm</link>
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<description><![CDATA[ Just wanted to let people know that my experience with a Fidelity Account  Rep for Preimum Services wasn&apos;t that good. I was looking for specific  advice about rebalancing &#45; funds to consider switchin...... The post has 7 replies so far. Read more and <a href="http://www.beansmart.com/financial/disappointment-with-fidelity-premimum-services-17526-.htm">discuss here</a> ]]></description>
<pubDate>Tue, 20 Dec 2011 01:48:32 -0500</pubDate>
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<title>Scaling of tax form printouts&#63; </title>
<link>http://www.beansmart.com/financial/scaling-of-tax-form-printouts-17521-.htm</link>
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<description><![CDATA[ Sometimes you have to send in a paper taxform, even it it has been created online &#40;pdf or whatever&#41;. Does anyone have troubles with inability to print the junk they put on the bitter edges&#63; I see it ...... The post has 2 replies so far. Read more and <a href="http://www.beansmart.com/financial/scaling-of-tax-form-printouts-17521-.htm">discuss here</a> ]]></description>
<pubDate>Sat, 17 Dec 2011 22:29:47 -0500</pubDate>
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<title>Can wife still claim mortgage interest after husband dies &#40; husband on mortgage, but both ...</title>
<link>http://www.beansmart.com/financial/can-wife-still-claim-mortgage-interest-after-husband-dies-17514-.htm</link>
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<description><![CDATA[ We just refinanced our home and only I am on the mortgage, but both wife and I are on the deed. I know there are some advantages of doing this, but one thing I thought of is that if I should die, and...... The post has 6 replies so far. Read more and <a href="http://www.beansmart.com/financial/can-wife-still-claim-mortgage-interest-after-husband-dies-17514-.htm">discuss here</a> ]]></description>
<pubDate>Thu, 15 Dec 2011 13:00:42 -0500</pubDate>
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<title>WSJ&#58; The Bond Buyer&apos;s Dilemma &#45; Burton Malkiel </title>
<link>http://www.beansmart.com/financial/wsj-the-bond-buyer-s-dilemma-burton-malkiel-17513-.htm</link>
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<description><![CDATA[ Shouldn&apos;t be any need to introduce Malkiel... The Bond Buyer&apos;s Dilemma The yields on long&#45;term US Treasury bonds will likely fall below inflation for years.  Fortunately, some reasonable alternatives...The post does not have replies yet. <a href="http://www.beansmart.com/financial/wsj-the-bond-buyer-s-dilemma-burton-malkiel-17513-.htm">Start the discussion here</a> ]]></description>
<pubDate>Wed, 14 Dec 2011 15:37:15 -0500</pubDate>
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<title>How to Pay Your Financial Advisor </title>
<link>http://www.beansmart.com/financial/how-to-pay-your-financial-advisor-17509-.htm</link>
<guid isPermaLink="true">http://www.beansmart.com/financial/how-to-pay-your-financial-advisor-17509-.htm</guid>
<description><![CDATA[ http&#58;&#47;&#47;online.wsj.com&#47;article&#47;SB10001424052970204554204577024152103830414.html Discusses the pros and cons of various compensation schemes for advisors Asset&#45;Based Fee Fee Plus Commissions Flat Fee N...... The post has 4 replies so far. Read more and <a href="http://www.beansmart.com/financial/how-to-pay-your-financial-advisor-17509-.htm">discuss here</a> ]]></description>
<pubDate>Mon, 12 Dec 2011 17:59:11 -0500</pubDate>
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<title>Persistence of outperformance &#45; another Rick Ferri note </title>
<link>http://www.beansmart.com/financial/persistence-of-outperformance-another-rick-ferri-note-17508-.htm</link>
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<description><![CDATA[ Thought this was a great quick read&#58;   Former top mutual funds are falling behind their peer groups in record   numbers. Overall, only 42 percent of past winning US equity funds for   the five years ...The post does not have replies yet. <a href="http://www.beansmart.com/financial/persistence-of-outperformance-another-rick-ferri-note-17508-.htm">Start the discussion here</a> ]]></description>
<pubDate>Sun, 11 Dec 2011 19:30:37 -0500</pubDate>
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<title>Year&#45;End Deadlines 2011 </title>
<link>http://www.beansmart.com/financial/year-end-deadlines-2011-17506-.htm</link>
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<description><![CDATA[ Folks, I just posted the following &#40;well, better formatted&#41; on my site  and thought I&apos;d share here.  I always love to get feedback and input  from the MIFP folks, and hopefully some of you will find ...... The post has 1 replies so far. Read more and <a href="http://www.beansmart.com/financial/year-end-deadlines-2011-17506-.htm">discuss here</a> ]]></description>
<pubDate>Fri, 09 Dec 2011 14:49:16 -0500</pubDate>
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<title>ADRs and reported yield </title>
<link>http://www.beansmart.com/financial/adrs-and-reported-yield-17505-.htm</link>
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<description><![CDATA[ For those who do stock screens based on dividend yield, and would  consider buying foreign stocks via ADRs&#47;ADSs &#45; I just noticed that both  Morningstar and Yahoo Finance &#40;which may use MS, I&apos;m not su...... The post has 1 replies so far. Read more and <a href="http://www.beansmart.com/financial/adrs-and-reported-yield-17505-.htm">discuss here</a> ]]></description>
<pubDate>Fri, 09 Dec 2011 13:42:26 -0500</pubDate>
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<title>Some thoughts on Money Market Funds </title>
<link>http://www.beansmart.com/financial/some-thoughts-on-money-market-funds-17501-.htm</link>
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<description><![CDATA[ A client recently asked if, given the turmoil in Europe and the substantial stake that US Money Market funds have invested  one way or another with European banks, he should be reconsidering money ma...... The post has 3 replies so far. Read more and <a href="http://www.beansmart.com/financial/some-thoughts-on-money-market-funds-17501-.htm">discuss here</a> ]]></description>
<pubDate>Fri, 02 Dec 2011 19:20:52 -0500</pubDate>
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<title>savings bonds &#45; EE&#47;HH &#45; keep or redeem</title>
<link>http://www.beansmart.com/financial/savings-bonds-ee-hh-keep-or-redeem-17499-.htm</link>
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<description><![CDATA[ We have a small stack of savings bonds, mostly the EE kind with a couple HH that will mature in about 5&#45;10 years. Just noticed that the HH is now at 1.5&#37; and the EE are at .06&#37; Does it make sense to ...... The post has 2 replies so far. Read more and <a href="http://www.beansmart.com/financial/savings-bonds-ee-hh-keep-or-redeem-17499-.htm">discuss here</a> ]]></description>
<pubDate>Tue, 29 Nov 2011 10:46:55 -0500</pubDate>
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<title>CD Laddering</title>
<link>http://www.beansmart.com/financial/cd-laddering-17484-.htm</link>
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<description><![CDATA[ I haven&apos;t seen much, if any, discussion of CD laddering here.  How do people feel about it&#63;  Good, bad, ugly, indifferent&#63;  I&apos;ve been thinking of putting some of our cash in a CD ladder.  It&apos;s curren...... The post has 6 replies so far. Read more and <a href="http://www.beansmart.com/financial/cd-laddering-17484-.htm">discuss here</a> ]]></description>
<pubDate>Wed, 23 Nov 2011 15:15:18 -0500</pubDate>
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<title>Rick Ferri on Corporate Bond ETFs vs. Funds</title>
<link>http://www.beansmart.com/financial/rick-ferri-on-corporate-bond-etfs-vs-funds-17474-.htm</link>
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<description><![CDATA[ I found the following article particularly interesting, and given dumbstruck&apos;s posting this morning about market versus limit orders, it seemed related enough that others might also find it interesti...... The post has 2 replies so far. Read more and <a href="http://www.beansmart.com/financial/rick-ferri-on-corporate-bond-etfs-vs-funds-17474-.htm">discuss here</a> ]]></description>
<pubDate>Wed, 16 Nov 2011 19:04:39 -0500</pubDate>
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<title>advisability of limit orders&#63;</title>
<link>http://www.beansmart.com/financial/advisability-of-limit-orders-17473-.htm</link>
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<description><![CDATA[ I&apos;ve been afraid of doing etf market order buys in an IRA because there is the possibility of a surprising price turning my small cash balance there negative. I think there is a rule against that, al...... The post has 9 replies so far. Read more and <a href="http://www.beansmart.com/financial/advisability-of-limit-orders-17473-.htm">discuss here</a> ]]></description>
<pubDate>Wed, 16 Nov 2011 12:45:17 -0500</pubDate>
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<title>Some ETNs may implode soon&#63;</title>
<link>http://www.beansmart.com/financial/some-etns-may-implode-soon-17456-.htm</link>
<guid isPermaLink="true">http://www.beansmart.com/financial/some-etns-may-implode-soon-17456-.htm</guid>
<description><![CDATA[ I&apos;m sure ETNs are unloved on this forum, but some aren&apos;t all that exotic but just stock funds such as INP. Finance Yahoo article http&#58;&#47;&#47;finance.yahoo.com&#47;news&#47;etns&#45;bust&#45;first&#45;165625113.html points ou...... The post has 1 replies so far. Read more and <a href="http://www.beansmart.com/financial/some-etns-may-implode-soon-17456-.htm">discuss here</a> ]]></description>
<pubDate>Fri, 11 Nov 2011 13:17:46 -0500</pubDate>
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<title>Qualified Charitable Deductions Part 2</title>
<link>http://www.beansmart.com/financial/qualified-charitable-deductions-part-2-17453-.htm</link>
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<description><![CDATA[ Thank you all for the excellent discussion of QCDs.  I was told by Fidelity that donor advised funds do not qualify. An alternative is to create my own charitable fund.  Legalzoom suggests it is not ...... The post has 8 replies so far. Read more and <a href="http://www.beansmart.com/financial/qualified-charitable-deductions-part-2-17453-.htm">discuss here</a> ]]></description>
<pubDate>Fri, 11 Nov 2011 08:53:54 -0500</pubDate>
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<title>&quot;How a Financial Pro Lost His House,&quot; NY Times</title>
<link>http://www.beansmart.com/financial/how-a-financial-pro-lost-his-house-ny-times-17442-.htm</link>
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<description><![CDATA[ I think this is an interesting and worthwhile article&#58; http&#58;&#47;&#47;www.nytimes.com&#47;2011&#47;11&#47;09&#47;business&#47;how&#45;a&#45;financial&#45;pro&#45;lost&#45;his&#45;house.html&#63;pagewanted&#61;1&amp;hp Why did this financial planning pro not study...... The post has 6 replies so far. Read more and <a href="http://www.beansmart.com/financial/how-a-financial-pro-lost-his-house-ny-times-17442-.htm">discuss here</a> ]]></description>
<pubDate>Wed, 09 Nov 2011 11:13:41 -0500</pubDate>
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<title>Qualified Charitable Distributions</title>
<link>http://www.beansmart.com/financial/qualified-charitable-distributions-17431-.htm</link>
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<description><![CDATA[ I give between &#36;2K to &#36;5k per year per year to charity and take the standard deduction.  I want to take advantage of the Qualified Charitable Distributions &#40;http&#58;&#47;&#47;www.irs.gov&#47;retirement&#47;article&#47; 0,,...... The post has 5 replies so far. Read more and <a href="http://www.beansmart.com/financial/qualified-charitable-distributions-17431-.htm">discuss here</a> ]]></description>
<pubDate>Mon, 07 Nov 2011 09:34:10 -0500</pubDate>
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<title>2012 rules &amp; cost basis </title>
<link>http://www.beansmart.com/financial/2012-rules-cost-basis-17415-.htm</link>
<guid isPermaLink="true">http://www.beansmart.com/financial/2012-rules-cost-basis-17415-.htm</guid>
<description><![CDATA[ Just wondering what&apos;s going to happen when the new cost basis rules take affect in 2012, and a ton of stocks are not tagged with a current cost basis. A lot of my stocks are of course from years ago,...... The post has 3 replies so far. Read more and <a href="http://www.beansmart.com/financial/2012-rules-cost-basis-17415-.htm">discuss here</a> ]]></description>
<pubDate>Wed, 02 Nov 2011 20:44:38 -0400</pubDate>
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<title>Depressing</title>
<link>http://www.beansmart.com/financial/depressing-17402-.htm</link>
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<description><![CDATA[ I started a 401k through my current job and started putting money in a mix of mutual funds in 2000. I recently calculated the amount of money that I&apos;ve put into it over the years and the value of my ...... The post has 44 replies so far. Read more and <a href="http://www.beansmart.com/financial/depressing-17402-.htm">discuss here</a> ]]></description>
<pubDate>Mon, 31 Oct 2011 15:57:20 -0400</pubDate>
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<title>investing with factoring companies</title>
<link>http://www.beansmart.com/financial/investing-with-factoring-companies-17375-.htm</link>
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<description><![CDATA[ I understand that factors invest private money.  Is there a way to invest with factors for increased income. &#61;&#61;&#61;&#61;&#61;&#61;&#61;&#61;&#61;&#61;&#61;&#61;&#61;&#61;&#61;&#61;&#61;&#61;&#61;&#61;&#61;&#61;&#61;&#61;&#61;&#61;&#61;&#61;&#61;&#61;&#61;&#61;&#61;&#61;&#61;&#61;&#61;&#61;&#61; MODERATOR&apos;S COMMENT&#58;   Do you mean invoice factori...... The post has 3 replies so far. Read more and <a href="http://www.beansmart.com/financial/investing-with-factoring-companies-17375-.htm">discuss here</a> ]]></description>
<pubDate>Fri, 21 Oct 2011 16:00:09 -0400</pubDate>
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<title>Refinancing. Is this scenario worth it&#63;</title>
<link>http://www.beansmart.com/financial/refinancing-is-this-scenario-worth-it-17371-.htm</link>
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<description><![CDATA[ I purchased my house in 2004.  At the time I took out a 30 yr mortgage, &#36;333,700 loan at 6.25&#37;. My payment was &#36;2054&#47;mo. Then in 2009 I refinanced at 4.875&#37; 30 yr mortgage for &#36;328,000 &#40;closing costs...... The post has 2 replies so far. Read more and <a href="http://www.beansmart.com/financial/refinancing-is-this-scenario-worth-it-17371-.htm">discuss here</a> ]]></description>
<pubDate>Tue, 11 Oct 2011 18:43:49 -0400</pubDate>
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