Latest Financial Planning

Subject Author Posted Replies
 
OASDI
As most of you who follow this group know, I'm in the business - like a lot of other posters here. Also, like a lot of others here I've had some run ins lately with some of my clients, especially abou...
10 years ago 6
 
Financial planning principle
One of the problems I encounter in retirement planning for those in their late-50s is insufficient savings. Many times such people had always thought they would work into their mid-60s or so, and thus...
10 years ago 8
 
New Initiatives For Retirement savings
In The President's Weekly Speech were a number of new initiatives. One was "we?ll make it possible for employees to put payments for unused vacation and sick days into their retirement plan if they wi...
10 years ago 5
 
My Credit Union has Low Rating from Bankrate.com
Hi, My credit union has been rated by as 2 ot of 5 stars, 5 stars being great, 1 star being dismal. Their worst problem is lack of capitalization, in which they were rated a 1. They are a very large C...
10 years ago 15
 
How Retirees Can Spend Enough, but Not Too Much (NYT article)
The article below explains why the "X% of initial wealth, increased annually for inflation" rule is bad. An academic working paper that also criticizes the rule is "The 4% Rule - At What Price?", by S...
10 years ago 16
 
401(k) and SEP in same year
So my wife is going back to her own business. She left a company where she had a 401(k). If she were to open a SEP IRA this year, how are the SEP contribution limits affected by her 401(k) contributio...
10 years ago 6
 
Distressed Debt Investing
Can anyone recommend a good newsletter that analyzes a few high yield or distressed debt situations each month? As a follow up to original post, can anyone recommend any investing newsletters that foc...
10 years ago 5
 
A share funds in wrap account
I am having trouble understanding something. A broker tells a client that an obvious A share fund in a wrap account does not have a load. That somehow the presence of a wrap account negates any load. ...
10 years ago 1
 
the will - wishes vs deeds/title, etc
Having become entangled in the real estate mess of my wife's deceased parents - I was wondering how the "will" vs "deed" battle plays out ? We happen to have a mess with how all the deeds/titles to a ...
10 years ago 8
 
mortgage - payoff vs deductions
I've been re-reading the subject of paying off our mortage vs the deduction that it generates. SO.... here are the real 2008 numbers, but I can't determine how to view the choice/results. last couple ...
10 years ago 27
 
Housing land values by community
an Excel spreadsheet that gives house and land values for a numberof cities for several years. It is interesting on how high housing prices are due to high lot values. -- Ron Ron - Great source of dat...
10 years ago 1
 
Evaluate letter of wishes for our trust
We are creating a living trust to benefit our two young children in case if we die. Wanted to get some feedback on the wishes below. The letter involves financial planning and investment decisions tha...
10 years ago 8
 
How to sell bond fund shares?
Two years ago I opened an account with since they were offering a promotion with free airline mile bonus. I bought $1000 worth of: LEHMAN AGG BOND FUND ISHARES ( AGG ) To be honest, I have little idea...
10 years ago 11
 
How to move my 401k to index funds?
I have a typical 401k which I have all invested in their "conservative model portfolio". How do I go about moving it all to low fee index funds? Do I have to sell everything? Would that further incur ...
10 years ago 11
 
Master Limited Partnerships
I am beginning to see more and more of these being offered to investors and would like to see some of your thoughts on MLPs. Three things that hit me: 1. Like other investments that offer current tax ...
10 years ago 16