Latest threads in Financial Planningshow only best voted threads
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Why is US govt obligation %age so different between BND and AGG?
AGG tracks the "Barclays Capital U.S. Aggregate Bond Index" BND tracks the "Barclays Capital U.S. Aggregate Float-Adjusted Bond Index" (but from what's on the Barclays Capital website, those two...
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12 years ago
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Redeem CD early for no penalty?
I received a letter in the mail from my TD Amertrade saying: "Lehman Brothers announced an optional Put period for all outstanding 5% Certificates of Deposit" due July 1, 2013 ( CUSIP 52520KVF1 ). The...
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12 years ago
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cost basis - how far back till "missing"
I have a few older stocks on my (and my son's) 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...
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12 years ago
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Average cost basis for mutual fund sales
I recently sold my mutual fund and it showed a profit from 2003-2011, they have an average cost single category for dealing with capital gains and I showed a profit in that time period. My question is...
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12 years ago
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FWD: annuities & low interest rates
rescued from the filters, looking into why: From: "ps56k" FYI - tough choices where to park money - for now and income for the future.. -- / _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/...
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12 years ago
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Pls explain bond terminology
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 (weak) understanding of bond terminology. The facts of...
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12 years ago
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FWD: CD for 401k Investment
Salvaged from the filters, not sure why it was caught: Subject: CD for 401k Investment? From: Tony Sivori Is there any legal reason why FDIC insured Certificates of Deposits could not be offered as an...
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12 years ago
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social security statement
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...
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12 years ago
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Getting inherited IRAs into "normal" tax-deferred accounts
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: 1) In case of the inherited trad IRA, the RMD is taxable...
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12 years ago
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"Leftover" IRA Basis
This is something I probably should have noticed last year, but didn't. Since ~2007, I have made non-deductible IRA contributions. In 2010, when the income limit for converting to Roth was lifted, I...
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12 years ago
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ideas how to reduce mortgage payment w/o refinancing?
Looking for any ideas on how to reduce monthly payments on a mortgage that's mostly paid up ($90k principal left), to pay off in 10-15 years without the cost of refinancing. Things I've looked at so...
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12 years ago
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Don't follow the 4% rule
A Morningstar article "Unpacking the 4% Rule for Retirement-Portfolio Withdrawals" by Christine Benz the 4% rule (initially spend 4% of portfolio value, and increase withdrawals with inflation...
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12 years ago
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whole life - current valuues
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...
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12 years ago
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Fidelity categorically refuses to use Q for Roth distributions
(More of a tax thing, admittedly, but since some of you may deal with your clients' tax stuff as well, I thought this might be of interest here.) (Background - my mother made a qualified Roth...
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12 years ago
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mortgage lump-sum doesn't save money?
Typical case - eg. prepaying $12000 on a mortgage now will save $10000 in interest over the life of the mortgage. But why isn't this actually losing $2000? Is it any different than giving a bank $1.20...
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12 years ago
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