Latest Financial Planning

Subject Author Posted Replies
 
Is it better to pay extra to my mortgage each month, or borrow against my heloc (apply the principle to the mortgage), and pay $1200 to the Heloc along with normal payment to the Mortgage note?
So here is my question in detail. I have created a spreadsheet that analyses two loans versus one. The first is my straight 30 year note at 3.875. By paying the $1200 extra each month it will be pa...
3 months ago
 
Reverse mortgages now almost a must?
They have some boring coverage of how abuse (of the nature no reader of this newsgroup would attempt) is being reduced by new rules. But they say using it as a line of credit seems almost a must, even...
3 years ago 1
 
Any Web Sites That Review SEP ?
I'm looking for a web site where I can read some reviews on SEP plans that are available from various vendors. Any recommendations?
4 years ago 4
 
Muni Bond ETFs looking good?
Here are some muni observations that puzzle me... Muni bond funds recently seem to have some of the steadiest preservation of capital of all the bond types that I track, in spite of the Puerto Rico ...
4 years ago 3
 
Return of Capital Becoming Popular
More and more of my non-REIT stock positions are paying returns of capital instead of qualified dividends. I realize this reduces my stock's basis. I welcome comments on the implications of this for c...
4 years ago
 
Question on the new Social Security claiming rules
"If you're already 62 or are turning 62 this year, you'll still be able to file a restricted application to receive only spousal benefits at your full retirement age, provided your spouse is either r...
4 years ago 4
 
Vendors Who Create Pure Financial Plans
How do I find vendors who specialize in constructing - and advising on - long term financial plans. It appears to be the case that most financial planners want to manage all your money and constru...
4 years ago
 
Vendors Who Construct Pure Financial Plans
How do I find vendors who specialize in constructing - and advising on - long term financial plans. It appears to be the case that most financial planners want to manage all your money and const...
4 years ago 1
 
Calculating Roth IRA Basis
This is a followup to a question I asked back in June. My Roth IRA contains regular contributions as well as conversions from both deductible and non-deductible IRA contributions. I have not tracked...
4 years ago 4
 
$ Gift To Grandson ?
Hello, Sr. Citizen now, very, and would appreciate any advice or opinions on the following. Hate to admit it, but I miss a lot of the nuances now. Would like to give a gift to a Grandson of som...
4 years ago 1
 
Significant changes to social security claiming rules?
If I'm reading this correctly, does this mean that lots and lots of "here's precisely how to apply for social security" articles that have been written over the years are now pretty much entirely i...
4 years ago 5
 
capital losses vs HC premium tax credit
Bad years for stocks give you tax flexibility by realizing gains minus-ed out by varying losses. At least assuming the tax code isn't insane, such as form 8962 (health care premium credit) appears to ...
4 years ago 4
 
New SEC liquidity rules for funds, ETFs could have interesting effects
I ran across this piece on etf.com and thought people here might be interested: http://www.etf.com/sections/blog/secs-liquidity-bomb-funds?nopaging=1 Some snippets: "funds would have to report a...
4 years ago 1
 
Social Security grace year & non-service month
4 years ago 1
 
minimum salary for my wife to max out simple ira contribution.
Hello everyone I own a small business and was thinking about paying my wife a small salary so she can contribute simple ira to her retirement account. I am thinking a salary of $13550 that will allo...
4 years ago