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<title>Financial Planning</title>
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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>States starting to escheat unannuitized VAs&#63; </title>
<link>http://www.beansmart.com/financial/states-starting-to-escheat-unannuitized-vas-18078-.htm</link>
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<description><![CDATA[ I had an interesting conversation with Vanguard today and  wanted to pass it along...  My mother has a variable annuity with Vanguard.  It is not  annuitized and there is no desire for it to be annui...... The post has 7 replies so far. Read more and <a href="http://www.beansmart.com/financial/states-starting-to-escheat-unannuitized-vas-18078-.htm">discuss here</a> ]]></description>
<pubDate>Wed, 22 May 2013 15:54:22 -0400</pubDate>
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<title>Stock Screeners sabotoged </title>
<link>http://www.beansmart.com/financial/stock-screeners-sabotoged-18077-.htm</link>
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<description><![CDATA[ Arrgghh, I can&apos;t believe a major stock brokerage has been giving me mangled stock screen results. In such a target rich environment, you need something to sift thru the chaff. Have you ever looked cl...The post does not have replies yet. <a href="http://www.beansmart.com/financial/stock-screeners-sabotoged-18077-.htm">Start the discussion here</a> ]]></description>
<pubDate>Sat, 18 May 2013 01:23:41 -0400</pubDate>
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<title>pension plan weasel language&#63; </title>
<link>http://www.beansmart.com/financial/pension-plan-weasel-language-18070-.htm</link>
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<description><![CDATA[ Should I be alarmed at the following info contained in my former   employer&apos;s Annual Funding Notice for Retirement Plan&#63;  With MAP&#45;21 rates, fund is at 101&#37;, without it is at 86&#37;, for 2012.   Whateve...... The post has 1 replies so far. Read more and <a href="http://www.beansmart.com/financial/pension-plan-weasel-language-18070-.htm">discuss here</a> ]]></description>
<pubDate>Mon, 13 May 2013 12:54:38 -0400</pubDate>
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<title>Cash in life insurance policy&#63; </title>
<link>http://www.beansmart.com/financial/cash-in-life-insurance-policy-18069-.htm</link>
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<description><![CDATA[ I have an AXA Equitable life insurance policy &#40;modified premium variable whole life&#41; with a face value of &#36;100,000 and a net cash surrender value of &#36;61,000.  I am 66 years old &amp; in good health.  No ...... The post has 2 replies so far. Read more and <a href="http://www.beansmart.com/financial/cash-in-life-insurance-policy-18069-.htm">discuss here</a> ]]></description>
<pubDate>Mon, 13 May 2013 12:54:21 -0400</pubDate>
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<title>Porfolio composition discussion </title>
<link>http://www.beansmart.com/financial/porfolio-composition-discussion-18063-.htm</link>
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<description><![CDATA[ In light of David&apos;s recent post &#40;I am not the poster he was replying  to&#41; I figured I&apos;d put up part of my asset class breakdown for discussion,  ripping apart, etc.  My personal methodology is to fir...... The post has 3 replies so far. Read more and <a href="http://www.beansmart.com/financial/porfolio-composition-discussion-18063-.htm">discuss here</a> ]]></description>
<pubDate>Tue, 30 Apr 2013 19:31:08 -0400</pubDate>
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<title>Non invest financial plan </title>
<link>http://www.beansmart.com/financial/non-invest-financial-plan-18058-.htm</link>
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<description><![CDATA[ Hi Thanks for this group.   While this isn&apos;t the most logical group to ask about non invest financal  plans, can anyone suggest who to contact for it&#63; Even CPAs and CFPs seem  unnterested if not inve...... The post has 1 replies so far. Read more and <a href="http://www.beansmart.com/financial/non-invest-financial-plan-18058-.htm">discuss here</a> ]]></description>
<pubDate>Mon, 29 Apr 2013 11:30:08 -0400</pubDate>
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<title>Avoiding stocks that refinance </title>
<link>http://www.beansmart.com/financial/avoiding-stocks-that-refinance-18049-.htm</link>
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<description><![CDATA[ This may not be plannable, but I wonder how one can avoid stocks that get large price setbacks by kind of refinancing themselves. Not sure of the terminology, but some companies issue a lot of new st...... The post has 12 replies so far. Read more and <a href="http://www.beansmart.com/financial/avoiding-stocks-that-refinance-18049-.htm">discuss here</a> ]]></description>
<pubDate>Wed, 24 Apr 2013 05:07:36 -0400</pubDate>
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<title>Lessons from American Greed tv series&#63; </title>
<link>http://www.beansmart.com/financial/lessons-from-american-greed-tv-series-18047-.htm</link>
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<description><![CDATA[ CNBC is desperately trying to create tv series to fill in the time between live market coverage, and I would say American Greed is the only one that halfway works. We might consider what the lessons ...... The post has 1 replies so far. Read more and <a href="http://www.beansmart.com/financial/lessons-from-american-greed-tv-series-18047-.htm">discuss here</a> ]]></description>
<pubDate>Fri, 19 Apr 2013 18:06:52 -0400</pubDate>
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<title>Forbes &#45; 7 questions to test your financial literacy </title>
<link>http://www.beansmart.com/financial/forbes-7-questions-to-test-your-financial-literacy-18038-.htm</link>
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<description><![CDATA[ Great, short, informative article. I can&#146;t tell you how many times I   run into #3 and have to explain the difference between a container and   what one puts into a container. And, given where I li...... The post has 7 replies so far. Read more and <a href="http://www.beansmart.com/financial/forbes-7-questions-to-test-your-financial-literacy-18038-.htm">discuss here</a> ]]></description>
<pubDate>Mon, 15 Apr 2013 17:51:42 -0400</pubDate>
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<title>REITs, the false nirvana for yield&#63; </title>
<link>http://www.beansmart.com/financial/reits-the-false-nirvana-for-yield-18035-.htm</link>
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<description><![CDATA[ Reits are showing great yields and cap gains in this slow recovery with extended low mortgage rates. But what are the pluses and pitfalls in this environment&#63; For example I hear there is some complex...... The post has 3 replies so far. Read more and <a href="http://www.beansmart.com/financial/reits-the-false-nirvana-for-yield-18035-.htm">discuss here</a> ]]></description>
<pubDate>Sun, 14 Apr 2013 18:14:08 -0400</pubDate>
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<title>local or big companies for retirement and TOD </title>
<link>http://www.beansmart.com/financial/local-or-big-companies-for-retirement-and-tod-18031-.htm</link>
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<description><![CDATA[ Hi,   Is there any advantage in using a local retirement agency other than something like Fidelity or T.Rowe Price, when you consider endgame type scenarios&#63;  Iow, are large companies just as persona...The post does not have replies yet. <a href="http://www.beansmart.com/financial/local-or-big-companies-for-retirement-and-tod-18031-.htm">Start the discussion here</a> ]]></description>
<pubDate>Fri, 05 Apr 2013 18:12:07 -0400</pubDate>
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<title>bond funds and asset allocation </title>
<link>http://www.beansmart.com/financial/bond-funds-and-asset-allocation-18030-.htm</link>
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<description><![CDATA[ Is there much consensus on what percentage to put in bonds in these strange new days&#63; Yields are so low, and capital loss is imminent if yields revert towards mean... uncle Ben wants to push us to ri...... The post has 2 replies so far. Read more and <a href="http://www.beansmart.com/financial/bond-funds-and-asset-allocation-18030-.htm">discuss here</a> ]]></description>
<pubDate>Fri, 05 Apr 2013 03:41:04 -0400</pubDate>
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<title>new credit card surcharge </title>
<link>http://www.beansmart.com/financial/new-credit-card-surcharge-18028-.htm</link>
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<description><![CDATA[ Apparently in 40 states as of Jan 27 2013, retailers can charge up to a 4&#37; surcharge. I saw that in a credit union newsletter, but haven&apos;t noticed it on any receipts. This seems a pivotal change in p...... The post has 2 replies so far. Read more and <a href="http://www.beansmart.com/financial/new-credit-card-surcharge-18028-.htm">discuss here</a> ]]></description>
<pubDate>Wed, 03 Apr 2013 23:11:43 -0400</pubDate>
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<title>Not so Portable Document Format &#40;pdf archive pitfalls&#41; </title>
<link>http://www.beansmart.com/financial/not-so-portable-document-format-pdf-archive-pitfalls-18026-.htm</link>
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<description><![CDATA[ It has been recommended here to archive not only tax returns but misc receipts into scanned .pdf format. Old paper receipts can easily have their ink fade away in a few years anyway. Don&apos;t you have t...... The post has 1 replies so far. Read more and <a href="http://www.beansmart.com/financial/not-so-portable-document-format-pdf-archive-pitfalls-18026-.htm">discuss here</a> ]]></description>
<pubDate>Sun, 31 Mar 2013 19:25:30 -0400</pubDate>
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<title>Roth  &amp; bank  cert. of deposit  &#40;CD&#41; vs IRS 1099 </title>
<link>http://www.beansmart.com/financial/roth-bank-cert-of-deposit-cd-vs-irs-1099-18024-.htm</link>
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<description><![CDATA[ I have  Roth IRA funds invested in a  bank 2 year Certificate of  Deposit  &#40;CD&#41;.  I opened this CD February 2012,  it matures Feb 2014.  I am 70 years old.  Will I get a yearly  IRS  1099 for the int...... The post has 1 replies so far. Read more and <a href="http://www.beansmart.com/financial/roth-bank-cert-of-deposit-cd-vs-irs-1099-18024-.htm">discuss here</a> ]]></description>
<pubDate>Tue, 19 Mar 2013 22:05:52 -0400</pubDate>
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<title>WSJ&#58; Say Goodbye to the 4&#37; Rule </title>
<link>http://www.beansmart.com/financial/wsj-say-goodbye-to-the-4-rule-18022-.htm</link>
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<description><![CDATA[ There are plenty of articles about shortcomings of the 4&#37; rule &#45; which   is still a great starting point if not a real plan. The WSJ brings up   a few alternatives to help overcome the problems wit...... The post has 1 replies so far. Read more and <a href="http://www.beansmart.com/financial/wsj-say-goodbye-to-the-4-rule-18022-.htm">discuss here</a> ]]></description>
<pubDate>Mon, 04 Mar 2013 12:26:42 -0500</pubDate>
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<title>CD Strategy &#45; The Power of Two </title>
<link>http://www.beansmart.com/financial/cd-strategy-the-power-of-two-18020-.htm</link>
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<description><![CDATA[ Let me start off by saying that I have never purchased a CD.  I like Ally&apos;s CD offerings because there&apos;s no minimum and the early withdrawal penalty is well&#45;defined and easy to understand &#40;namely, 2 ...The post does not have replies yet. <a href="http://www.beansmart.com/financial/cd-strategy-the-power-of-two-18020-.htm">Start the discussion here</a> ]]></description>
<pubDate>Tue, 19 Feb 2013 17:19:34 -0500</pubDate>
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<title>Updated MIFP Graphics </title>
<link>http://www.beansmart.com/financial/updated-mifp-graphics-18018-.htm</link>
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<description><![CDATA[ Going through my Google Drive, I noticed that I have some lingering MIFP&#45;related stuff.  So I took the liberty of updating and re&#45;posting them.  First up, the pseudocolor plot of the S&amp;P 500 based on...... The post has 1 replies so far. Read more and <a href="http://www.beansmart.com/financial/updated-mifp-graphics-18018-.htm">discuss here</a> ]]></description>
<pubDate>Fri, 08 Feb 2013 15:08:53 -0500</pubDate>
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<title>Backdoor Roth Early Distribution </title>
<link>http://www.beansmart.com/financial/backdoor-roth-early-distribution-18017-.htm</link>
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<description><![CDATA[ Suppose I make a non&#45;deductible traditional IRA contribution and later take a distribution less than the amount of the contribution.  Clearly, the distribution is not subject to taxes.  I don&apos;t think...The post does not have replies yet. <a href="http://www.beansmart.com/financial/backdoor-roth-early-distribution-18017-.htm">Start the discussion here</a> ]]></description>
<pubDate>Tue, 05 Feb 2013 14:05:28 -0500</pubDate>
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<title>Buy, Hold, and Rebalance </title>
<link>http://www.beansmart.com/financial/buy-hold-and-rebalance-18015-.htm</link>
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<description><![CDATA[ Rick Ferri &#40;kind of like a broken record, but at least it&apos;s a great  song&#41; on Buy, Hold, and Rebalance&#58; http&#58;&#47;&#47;www.rickferri.com&#47;blog&#47;investments&#47;a&#45;balanced&#45;portfolio&#45;for&#45;a&#45;balanced&#45;life&#47;  Nothing ne...... The post has 1 replies so far. Read more and <a href="http://www.beansmart.com/financial/buy-hold-and-rebalance-18015-.htm">discuss here</a> ]]></description>
<pubDate>Tue, 29 Jan 2013 14:58:25 -0500</pubDate>
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<title>cc refunds&#63; </title>
<link>http://www.beansmart.com/financial/cc-refunds-18012-.htm</link>
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<description><![CDATA[ Here&apos;s a naive cc question... if you get a refund for return of a pricey item posted to your account AFTER being hit by a monthly bill for that and other items... do you pay it all anyway in order to...... The post has 2 replies so far. Read more and <a href="http://www.beansmart.com/financial/cc-refunds-18012-.htm">discuss here</a> ]]></description>
<pubDate>Thu, 24 Jan 2013 04:43:30 -0500</pubDate>
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<title>Tax Free Transfers to Charity </title>
<link>http://www.beansmart.com/financial/tax-free-transfers-to-charity-18009-.htm</link>
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<description><![CDATA[ There is a nice benefit to direct transfers from your IRA to a charity.  It avoids a large increase in you AGI and maintains the value of the standard deduction. It has been renewed for 2013 and unde...... The post has 2 replies so far. Read more and <a href="http://www.beansmart.com/financial/tax-free-transfers-to-charity-18009-.htm">discuss here</a> ]]></description>
<pubDate>Thu, 10 Jan 2013 13:52:14 -0500</pubDate>
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<title>Ultra&#45;Short summary of American Taxpayer Relief Act </title>
<link>http://www.beansmart.com/financial/ultra-short-summary-of-american-taxpayer-relief-act-17999-.htm</link>
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<description><![CDATA[ As posted to my worpress blog at   Ultra&#45;Short Summary of American Taxpayer Relief Act of 2012 &#40;HR8 as  amended by theSenate&#41; American Taxpayer Relief Act of 2012 &#40;HR8 as amended by the Senate&#41; The...... The post has 5 replies so far. Read more and <a href="http://www.beansmart.com/financial/ultra-short-summary-of-american-taxpayer-relief-act-17999-.htm">discuss here</a> ]]></description>
<pubDate>Wed, 02 Jan 2013 18:42:43 -0500</pubDate>
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<title>What year for SEP IRA contributions apply&#63; </title>
<link>http://www.beansmart.com/financial/what-year-for-sep-ira-contributions-apply-18000-.htm</link>
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<description><![CDATA[ I understand that SEP IRA contributions for self employed are based on &#37;19&#37; of net profit. However, one does not know net profit till after filling your taxes. So if I contribute money in 2013 to SEP...... The post has 1 replies so far. Read more and <a href="http://www.beansmart.com/financial/what-year-for-sep-ira-contributions-apply-18000-.htm">discuss here</a> ]]></description>
<pubDate>Wed, 02 Jan 2013 18:42:28 -0500</pubDate>
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<title>timing and credit score&#63; &#45; renew home equity line </title>
<link>http://www.beansmart.com/financial/timing-and-credit-score-renew-home-equity-line-17997-.htm</link>
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<description><![CDATA[ Okay, we have a median price single family home in the suburbs with  first mortgage paid off, and a home equity Line of Credit &#40;&#36;40,000&#41; that  expires April 2013. This is according to original contra...... The post has 3 replies so far. Read more and <a href="http://www.beansmart.com/financial/timing-and-credit-score-renew-home-equity-line-17997-.htm">discuss here</a> ]]></description>
<pubDate>Mon, 31 Dec 2012 16:01:06 -0500</pubDate>
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<title>Surviving the Fiscal Cliff </title>
<link>http://www.beansmart.com/financial/surviving-the-fiscal-cliff-17994-.htm</link>
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<description><![CDATA[ Article from CNN&#47;Money about surviving the fiscal cliff&#58; http&#58;&#47;&#47;money.cnn.com&#47;2012&#47;12&#47;23&#47;pf&#47;taxes&#47;financial&#45;planner&#45;fiscal&#45;cliff What &#40;if anything&#41; are MIFPers doing to prepare for the fiscal cliff&#63; ...... The post has 2 replies so far. Read more and <a href="http://www.beansmart.com/financial/surviving-the-fiscal-cliff-17994-.htm">discuss here</a> ]]></description>
<pubDate>Mon, 24 Dec 2012 10:23:05 -0500</pubDate>
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<title>A muni meme is born </title>
<link>http://www.beansmart.com/financial/a-muni-meme-is-born-17985-.htm</link>
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<description><![CDATA[ I was doing a write&#45;up about the new Medicare tax on net investment  income, and one thing that struck me is that tax&#45;exempt municipal bonds  are one of the few income sources that won&apos;t be hit by it...... The post has 3 replies so far. Read more and <a href="http://www.beansmart.com/financial/a-muni-meme-is-born-17985-.htm">discuss here</a> ]]></description>
<pubDate>Tue, 04 Dec 2012 16:18:21 -0500</pubDate>
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<title>Extra&#45;large dividends this year&#63; </title>
<link>http://www.beansmart.com/financial/extra-large-dividends-this-year-17984-.htm</link>
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<description><![CDATA[ Anyone tracking or have any idea how many companies are paying out extra&#45;large dividends in advance of the upcoming tax hikes&#63; I know Costco is paying out a very large dividend and Oracle has announc...... The post has 3 replies so far. Read more and <a href="http://www.beansmart.com/financial/extra-large-dividends-this-year-17984-.htm">discuss here</a> ]]></description>
<pubDate>Tue, 04 Dec 2012 15:55:51 -0500</pubDate>
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<title>question about TIPS via ETFs </title>
<link>http://www.beansmart.com/financial/question-about-tips-via-etfs-17981-.htm</link>
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<description><![CDATA[ Hoping someone can help me understand this... Accidentally came across an article in Fortune magazine http&#58;&#47;&#47;finance.fortune.cnn.com&#47;tag&#47;treasury&#45;inflation&#45;protected&#45;securities&#47; which states that&#58; A ...... The post has 1 replies so far. Read more and <a href="http://www.beansmart.com/financial/question-about-tips-via-etfs-17981-.htm">discuss here</a> ]]></description>
<pubDate>Mon, 26 Nov 2012 18:26:37 -0500</pubDate>
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<title>new bond&#47;income funds </title>
<link>http://www.beansmart.com/financial/new-bond-income-funds-17980-.htm</link>
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<description><![CDATA[ i havent kept up with current mutual fund screeners, which sometimes dont work on tablets anyway, so was reduced to checking out a list of fidelity funds with max yields. a high yield protects you fr...The post does not have replies yet. <a href="http://www.beansmart.com/financial/new-bond-income-funds-17980-.htm">Start the discussion here</a> ]]></description>
<pubDate>Fri, 16 Nov 2012 01:24:07 -0500</pubDate>
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<title>New Visa and credit  </title>
<link>http://www.beansmart.com/financial/new-visa-and-credit-17970-.htm</link>
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<description><![CDATA[ I just opened a Charles Schwab checking account tied to my brokerage account and recieved a Platinum VISA card to be used as a debit card. I have great credit and am wondering rather or not to activi...... The post has 9 replies so far. Read more and <a href="http://www.beansmart.com/financial/new-visa-and-credit-17970-.htm">discuss here</a> ]]></description>
<pubDate>Sun, 11 Nov 2012 14:56:49 -0500</pubDate>
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<title>WSJ&#58; Make the Most of Your First Meeting With a Financial Adviser </title>
<link>http://www.beansmart.com/financial/wsj-make-the-most-of-your-first-meeting-with-a-financial-ad-17968-.htm</link>
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<description><![CDATA[ &#91;Trying for a third time.  Moderation filters keep catching this and  I&apos;m trying to figure out what&apos;s tripping it up.&#93; Make the Most of Your First Meeting With a FinancialAdviser Wall Street Journal...The post does not have replies yet. <a href="http://www.beansmart.com/financial/wsj-make-the-most-of-your-first-meeting-with-a-financial-ad-17968-.htm">Start the discussion here</a> ]]></description>
<pubDate>Fri, 09 Nov 2012 15:31:15 -0500</pubDate>
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<title>college education account&#47;trust for non&#45;family members </title>
<link>http://www.beansmart.com/financial/college-education-account-trust-for-non-family-members-17962-.htm</link>
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<description><![CDATA[ Hello listmates, Here&apos;s my question. In the US, is there a way to create an account of some sort with limited access for children who are not your family members. The principal requirement is that on...... The post has 2 replies so far. Read more and <a href="http://www.beansmart.com/financial/college-education-account-trust-for-non-family-members-17962-.htm">discuss here</a> ]]></description>
<pubDate>Fri, 26 Oct 2012 15:23:34 -0400</pubDate>
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<title>Social Security timing strategies </title>
<link>http://www.beansmart.com/financial/social-security-timing-strategies-17961-.htm</link>
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<description><![CDATA[ Recently, I&apos;ve run some numbers regarding the value of delaying taking  Social Security. It&apos;s really quite amazing, and pretty easy to see when you&apos;re talking  about a single person putting off takin...... The post has 3 replies so far. Read more and <a href="http://www.beansmart.com/financial/social-security-timing-strategies-17961-.htm">discuss here</a> ]]></description>
<pubDate>Fri, 26 Oct 2012 04:51:13 -0400</pubDate>
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<title>iShares cuts expenses, creates new &quot;core&quot; funds </title>
<link>http://www.beansmart.com/financial/ishares-cuts-expenses-creates-new-core-funds-17953-.htm</link>
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<description><![CDATA[ I&apos;m just curious to hear what the advisors &#40;and others, especially current iShare shareholders&#41; have to say about the changes Blackrock has announced. Summary&#58; MER cuts on six funds&#58; IVV drops from 0...... The post has 2 replies so far. Read more and <a href="http://www.beansmart.com/financial/ishares-cuts-expenses-creates-new-core-funds-17953-.htm">discuss here</a> ]]></description>
<pubDate>Wed, 17 Oct 2012 14:44:02 -0400</pubDate>
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<title>NY Times&#58; High Speed Trading </title>
<link>http://www.beansmart.com/financial/ny-times-high-speed-trading-17950-.htm</link>
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<description><![CDATA[ I am trying to make sense of some statements in today&apos;s NY Times on this. The article appears at http&#58;&#47;&#47;www.nytimes.com&#47;2012&#47;10&#47;15&#47;business&#47;with&#45;profits&#45;dropping&#45;high&#45;speed&#45;trading&#45;cools&#45;down.html&#63;ex...... The post has 6 replies so far. Read more and <a href="http://www.beansmart.com/financial/ny-times-high-speed-trading-17950-.htm">discuss here</a> ]]></description>
<pubDate>Mon, 15 Oct 2012 13:02:13 -0400</pubDate>
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<title>I had 100 Nicor Shares. How much should I receive from AGL&#63;</title>
<link>http://www.beansmart.com/financial/i-had-100-nicor-shares-how-much-should-i-receive-from-agl-17949-.htm</link>
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<description><![CDATA[ Thank you   John Mann The post does not have replies yet. <a href="http://www.beansmart.com/financial/i-had-100-nicor-shares-how-much-should-i-receive-from-agl-17949-.htm">Start the discussion here</a> ]]></description>
<pubDate>Sun, 14 Oct 2012 13:58:40 -0400</pubDate>
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<title>AMT Patch proposed for 2012, 2013 </title>
<link>http://www.beansmart.com/financial/amt-patch-proposed-for-2012-2013-17947-.htm</link>
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<description><![CDATA[ The Family and Business Tax Cut Certainty Bill of 2012 &#40;Sen 3521 &#41;  would patch the alternative minimum tax &#40;AMT&#41; for the 2012 and 2013 tax  years for an estimated revenue loss of &#36;132.2 billion. Ful...... The post has 1 replies so far. Read more and <a href="http://www.beansmart.com/financial/amt-patch-proposed-for-2012-2013-17947-.htm">discuss here</a> ]]></description>
<pubDate>Fri, 12 Oct 2012 15:06:17 -0400</pubDate>
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<title>Probate for non US citizen &#47; non US resident</title>
<link>http://www.beansmart.com/financial/probate-for-non-us-citizen-non-us-resident-17946-.htm</link>
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<description><![CDATA[ Must the executor for the estate of a non US citizen &#47; non US resident, who was granted probate authority in the country where the deceased resided, file for probate in the US in order to collect US ...... The post has 1 replies so far. Read more and <a href="http://www.beansmart.com/financial/probate-for-non-us-citizen-non-us-resident-17946-.htm">discuss here</a> ]]></description>
<pubDate>Fri, 12 Oct 2012 06:12:24 -0400</pubDate>
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<title>On Inheriting an IRA </title>
<link>http://www.beansmart.com/financial/on-inheriting-an-ira-17931-.htm</link>
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<description><![CDATA[ the Lawyers http&#58;&#47;&#47;rothmania.net&#47;lets&#45;kill&#45;all&#45;the&#45;lawyers&#47; In summary &#45; Grandpa passes away and leaves granddaughter a &#36;300K IRA, she is  properly listed on IRA as beneficiary. Mom&apos;s lawyer explain...... The post has 13 replies so far. Read more and <a href="http://www.beansmart.com/financial/on-inheriting-an-ira-17931-.htm">discuss here</a> ]]></description>
<pubDate>Sat, 15 Sep 2012 11:39:56 -0400</pubDate>
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<title>stock screening criteria </title>
<link>http://www.beansmart.com/financial/stock-screening-criteria-17927-.htm</link>
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<description><![CDATA[ This seems to be good times for stock picking... quite a few give reliable out performance. Anyone care to share stock screening criteria&#63; I&apos;m especially looking for convenient numbers that can knock...... The post has 4 replies so far. Read more and <a href="http://www.beansmart.com/financial/stock-screening-criteria-17927-.htm">discuss here</a> ]]></description>
<pubDate>Fri, 07 Sep 2012 05:42:53 -0400</pubDate>
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<title>Malkiel&#58; Buy Stocks, not Bonds </title>
<link>http://www.beansmart.com/financial/malkiel-buy-stocks-not-bonds-17926-.htm</link>
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<description><![CDATA[ My blog entry about this&#58; http&#58;&#47;&#47;meyersmoney.wordpress.com&#47;2012&#47;08&#47;14&#47;malkiel&#45;buy&#45;stocks&#45;not&#45;bonds&#47; Burton Malkiel has been speaking up a lot lately, and with much the  same message &#150; repeated seve...The post does not have replies yet. <a href="http://www.beansmart.com/financial/malkiel-buy-stocks-not-bonds-17926-.htm">Start the discussion here</a> ]]></description>
<pubDate>Tue, 14 Aug 2012 14:06:11 -0400</pubDate>
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<title>WSJ&#58; College Debt Hits Well&#45;Off </title>
<link>http://www.beansmart.com/financial/wsj-college-debt-hits-well-off-17816-.htm</link>
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<description><![CDATA[ Higher borrowing forcollege http&#58;&#47;&#47;meyersmoney.wordpress.com&#47;2012&#47;08&#47;12&#47;higher&#45;borrowing&#45;for&#45;college&#47; A worthwhile article. Like long&#45;term care, the difficult burdens are  on the middle and upper...The post does not have replies yet. <a href="http://www.beansmart.com/financial/wsj-college-debt-hits-well-off-17816-.htm">Start the discussion here</a> ]]></description>
<pubDate>Sun, 12 Aug 2012 23:58:10 -0400</pubDate>
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<title>NYTimes &#45; What Some Investors Are Doing In Anticipation Of Tax Increase </title>
<link>http://www.beansmart.com/financial/nytimes-what-some-investors-are-doing-in-anticipation-of-t-17814-.htm</link>
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<description><![CDATA[ NYTimes &#150; What some investors Are Doing To Anticipate TaxIncrease Nice article in NYTimes by Paul Sullivan. He talks about some of the  specific tax increases that are on their way to happening...... The post has 1 replies so far. Read more and <a href="http://www.beansmart.com/financial/nytimes-what-some-investors-are-doing-in-anticipation-of-t-17814-.htm">discuss here</a> ]]></description>
<pubDate>Sun, 05 Aug 2012 00:17:39 -0400</pubDate>
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<title>NYTimes&#58; Our Ridiculous Approach to Retirement </title>
<link>http://www.beansmart.com/financial/nytimes-our-ridiculous-approach-to-retirement-17805-.htm</link>
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<description><![CDATA[ NYTimes Opinion&#58; Our Ridiculous Approach ToRetirement Worth reading. Prof.GHILARDUCCI has been saying for years that the  401&#40;k&#41; system has failed and her arguments are sound. While abolishin...... The post has 4 replies so far. Read more and <a href="http://www.beansmart.com/financial/nytimes-our-ridiculous-approach-to-retirement-17805-.htm">discuss here</a> ]]></description>
<pubDate>Tue, 24 Jul 2012 01:36:58 -0400</pubDate>
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<title>Investors&apos; 10 most common mistakes </title>
<link>http://www.beansmart.com/financial/investors-10-most-common-mistakes-17804-.htm</link>
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<description><![CDATA[ A really great top 10 list by Barry Ritholtz&#58; Investors&apos; 10 most common mistakes http&#58;&#47;&#47;www.ritholtz.com&#47;blog&#47;2012&#47;07&#47;investors&#45;10&#45;most&#45;common&#45;mistakes&#47; I seriously recommend reading the whole articl...... The post has 3 replies so far. Read more and <a href="http://www.beansmart.com/financial/investors-10-most-common-mistakes-17804-.htm">discuss here</a> ]]></description>
<pubDate>Sun, 22 Jul 2012 17:51:21 -0400</pubDate>
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<title>Real interest rates &#45; and Retirement in a Yield&#45;Free World </title>
<link>http://www.beansmart.com/financial/real-interest-rates-and-retirement-in-a-yield-free-world-17803-.htm</link>
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<description><![CDATA[ Saw this very nice article and thought it was worth bringing out for discussion&#58; http&#58;&#47;&#47;www.advisorone.com&#47;2012&#47;06&#47;27&#47;retirement&#45;in&#45;a&#45;yield&#45;free&#45;world In particular, the chart of real interest rates ...The post does not have replies yet. <a href="http://www.beansmart.com/financial/real-interest-rates-and-retirement-in-a-yield-free-world-17803-.htm">Start the discussion here</a> ]]></description>
<pubDate>Thu, 12 Jul 2012 15:34:51 -0400</pubDate>
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<title>Roth IRA question </title>
<link>http://www.beansmart.com/financial/roth-ira-question-17799-.htm</link>
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<description><![CDATA[ In these unstable, hard economic times, I would like to expand my liquid assets.  Having a six month emergency fund doesn&apos;t make me feel particularlly comfortable anymore.  I have a Roth IRA, but I a...... The post has 3 replies so far. Read more and <a href="http://www.beansmart.com/financial/roth-ira-question-17799-.htm">discuss here</a> ]]></description>
<pubDate>Mon, 25 Jun 2012 21:17:42 -0400</pubDate>
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<title>jettison the car &amp; insurance&#63; </title>
<link>http://www.beansmart.com/financial/jettison-the-car-insurance-17785-.htm</link>
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<description><![CDATA[ What if you opt out of car ownership and insurance in favor of a very infrequent car rental... can rental car insurance alone really cover the max costs that a predatory lawyer might target you for&#63; ...... The post has 11 replies so far. Read more and <a href="http://www.beansmart.com/financial/jettison-the-car-insurance-17785-.htm">discuss here</a> ]]></description>
<pubDate>Tue, 19 Jun 2012 05:34:00 -0400</pubDate>
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<title>Dividend Info for Huaneng Power Int. &#40;HNP&#41; </title>
<link>http://www.beansmart.com/financial/dividend-info-for-huaneng-power-int-hnp-17780-.htm</link>
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<description><![CDATA[ Does anyone know when HNP will pay its annual dividend and what the amount will be&#63;  I have not been able to locate HNP&apos;s annual dividend amount nor date on the internet in advance of the payable dat...... The post has 2 replies so far. Read more and <a href="http://www.beansmart.com/financial/dividend-info-for-huaneng-power-int-hnp-17780-.htm">discuss here</a> ]]></description>
<pubDate>Fri, 15 Jun 2012 15:51:31 -0400</pubDate>
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