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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 paid...
7 months ago
 
Reverse mortgages now almost a must?
Marketwatch has an article about new rules making reverse mortgages more attractive: "The new math on reverse mortgages" . If so, I wonder at what age and conditions it almost becomes a must? They...
4 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? Bear in mind that a SEP plan is basically a trivial one-page...
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...
4 years ago
 
Question on the new Social Security claiming rules
I am age 65 (DOB 10/01/1950) and my wife is 63 (DOB 10/23/1952). Prior to the November 2 changes to the Social Security law, our preferred plan had been for my wife to claim her benefit in June 2016,...
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...
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...
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 some $....
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...
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 and thought people here might be interested: Some snippets: "funds would have to report an estimate of how long it would take to liquidate their entire position for every...
4 years ago 1
 
Social Security grace year & non-service month
I worked Jan/Feb then retired end of Feb 2013 & cashed in annual/sick leave. I started receiving Social Security in March. My total earnings for the 2 months were over the annual limit. Now they say I...
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 allow...
4 years ago