Latest Financial Planning

Subject Author Posted Replies
 
Taxable Account
Hello, Using Vanguard, what would be best for a taxable account? Tax managed funds, index funds, ETFs, or is there something better? Looking for something long term but still able to be liquidated if ...
9 years ago 3
 
Life insurance payout
The following post from "Hypnotized" was incorrectly returned to him. Shown below is a copy of the post. --------------------------------------- A quick background on my situation: My mother-in-law pa...
9 years ago 3
 
Whither Roth?
I've on and off wondered how "safe" Roth accounts and things like this anti-Roth screed in the LATimes: ,0, this blog post: about the sad fiscal shape of the US has me wondering again. While I don't t...
9 years ago 3
 
retirement/investment tax haven?
Do these not exist any more for US taxpayers? I gather you always owe federal taxes even if you reside/retire outside the country, which is quite strange given you are not reaping the benefits. Not a ...
9 years ago 23
 
ATT or Verizon
Anyone here bearish on Verizon or ATT? Dividends are over 5% so far. Larry Being utilities, their dividends have always been high. That one is hard. So many moving parts, and a lot of sales volume. Th...
9 years ago 3
 
Whither mid-caps? Value?
Back around 10-12 years ago once piece of conventional wisdom for a relatively simple allocation for the *domestic equities part* of a portfolio was a large-cap/small-cap mix, probably with small-cap ...
9 years ago 3
 
Book Recommendation
I recommend "Debunkery" by Ken Fisher & published by Wiley. An easy read. Fisher looks at 50 investment myths and shows why each is BS. These are items that appear regularly in the financial press. Di...
9 years ago 7
 
Annuity Question
A financial advisor, who seems knowledgeable, has suggested a variable annuity called "Lifeguard Freedom Flex" from Jackson National Life Insurance Company. The purpose is to provide guaranteed income...
9 years ago 28
 
best place to park cash now
I have Vanguard and Fidelity accounts, and it looks like the money markets yields are pitiful around 0.1% yield. I see that Vanguard has a Limited Term Bonds fund yielding 1.4%, with average durations...
9 years ago 15
 
Withdraw early from IRA for disaster preparedness
My spouse is urging us to withdraw about half of our retirement account in order to stock up with food, seed and livestock to weather an imminent economic collapse. It's a traditional IRA, so we would...
9 years ago 24
 
A/B trust do-it-yourself?
Hi folks, My wife and I own our home in California and have good retirement accounts. I think we would benefit from an A/B trust. Can I establish an A/B trust and put our assets into it by myself, or ...
9 years ago 8
 
Great chart on SP500 returns over time
My apologies if it made this group when the chart was first published: shows the adjusted for dividends, taxes, and inflation return of the SP500 for almost 4000 (start year, end year) combinations. -...
9 years ago 41
 
Semi-hypothetical pension question
Dear financial gurus, If one were faced with the choice of taking a regular single life annuity pension payout or a lump sum amount what is the proper way to evaluate it? Here are the numbers (dollar ...
9 years ago 14
 
What Type of Trust?
A wealthy person wants to leave a lot of his wealth to a close personal friend for her to live on (assuming he dies first), but wants to set up the trust so that the trust controls the disposition of ...
9 years ago 6
 
Sell house at a loss, or rent to own at a loss then sell?
I was presented with a problem from a friend which we have talked through and the decision was rent to own instead of selling at a loss. I went through schedule C and E with him, as well as the 1040 a...
9 years ago 6