Latest threads in Financial Planningshow only best voted threads

Subject Author Posted Replies
 
Hulbert: Are Stocks Undervalued?
yesterday at Marketwatch. Summary: based on current market's P/E - both trailing and forward, Hulbert suggests that the market is either fairly valued or undervalued. Of course, it's a simplistic...
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How much of our final salary? (And Dan Ariely blog post re: advisors)
Dan Ariely, author and professor of behavioral finance, wrote an interesting blog post yesterday Asking the right and wrong questions From a behavioral economics point of view, the field of financial...
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MIFP Moderation - we're back
Sorry for the delays. Our moderation system was down for a few days, but we are back up and running and look forward to ongoing discussions. Thanks for your patience. --David
 
Retirement Expenses
I've often heard that in retirement, you only need 70% of the income you had when you were working. Sometimes I've seen this as 80% or occasionally as high as 100%. I always wonder where does this...
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Asset classes for ST bond portion of portfolio?
[Mods: I realize this is getting near the line of so if it helps, think in terms of narrow asset classes :] VFSTX is a short-term investment-grade corp. bond fund VFIIX in a GNMA fund BSV is an index...
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Debt ceiling deal, S&P Downgrade
And the volatility goes off the charts again. Just seeing what folks are doing and thinking. I spent Friday convincing several clients to stick with their asset allocation plans (most of them pretty...
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Big Money Gets Into Landlord Game
Reading the article excerpted below, I wonder how small investors with say $100K to invest can find real estate partnerships that invest in single-family homes. I'm suire I can surf the web and find...
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Mortgage vs cash
We're downsizing to new home w/o pool and stairs. Both retired, 70 and 66, both active in pretty good health. Have pensions and SS that cover daily living, well insured, both med and life. Not rich,...
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Mortgage Payoff and Earthquake, Inflation
What happens to residential real estate in earthquake disaster areas? Like Kobe (1995) or recent quakes in New Zealand or Japan (again)? Is it worse than what has happened with the US housing bubble?...
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All about fund yields
pretty good article describing some of the things we should all know about fund yields, especially bond fund yields. I've said it before and it's important to keep this in mind: recent distribution...
 
alternative places to invest part II
sorry to all of you who replied to my original post this year. my notifications were turned off and i had no idea it was being responded to. maybe i wasn't specific enough. i'm talking about places...
 
529s for children and grandchildren
My wife and I have three children. With our current jobs, we would be able to pay their college expenses out of our salaries. We have 529 plans for them, whose earnings will be tax free when used for...
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Treasury Bond Secondary Market
With the debt ceiling looming, I'm starting to wonder what "the market" think about the possibility of default. Is there a fund, index or ETF that tracks the secondary market for treasury bonds? I...
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Spousal Social Security
A spouse has the retirement choice of using their earnings record (minus any early-retirement reduction) or half of their spouse's earnings record (minus any early-retirement reduction). In the case...
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Successes in Financial Planning for the Low Income
I think the following is interesting for anyone who does any kind of support for folks struggling out of low income circumstances:
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