Latest Financial Planning

Subject Author Posted Replies
 
A Question About Home Mortgage Interest Rates
We're told there's a "credit crunch", that banks are afraid to lend money because they're afraid of defaulting borrowers. In such conditions, the loans that are actually made would have relatively hig...
11 years ago 7
 
Odds-On Imperfection: Monte Carlo Simulation (WSJ article)
by ELEANOR LAISE Wall Street Journal May 2, 2009 is no standard Monte Carlo approach, but the method is nothing new. It was used during World War II to help develop the atomic bomb. By the late 1990s ...
11 years ago 20
 
Is there a super index fund?
The more I read about investing the more it seems that diversification is the key. In other words don't put all your eggs in one basket. Have a mix of stocks, bonds: mutual funds, CDs, real estate etc...
11 years ago 4
 
bond funds - VBMFX vs FGOVX
I've been reading the threads about bond funds, and currently am holding VBMFX in my portfolio. What about FGOVX - the divergence over the past year ? I've created some CD ladders, and was looking at ...
11 years ago 4
 
Bond index funds
I had posted earlier asking for the next riskier investment after Bank CD's. It was suggested I buy Vanguard's Total Bond Market Index (VBMFX) fund. I have my IRA account with Fidelity and notice they...
11 years ago 9
 
Advisers Ditch 'Buy and Hold' for New Tactics
small part of the article is included here for space and copyright reasons. For the rest (on my webspace) see URL below. ``The broad decline across financial markets in the past year has persuaded a s...
11 years ago 39
 
Does fixed immed inc annuity make sense?
My broker pitched an fixed immediate income annuity to me in our last sit-down. (BTW, there are no fees on the sale. The management fees are factored into the quoted payout.) I have many questions, wh...
11 years ago 9
 
No Fed or State Tax
Is there such an investment that is exempt from both Federal and State tax? On Apr 26, 2:16 pm, Jack Deuce wrote: Municipal bonds are free of federal income tax, and often are not taxed in their stat...
11 years ago 19
 
Historical short-term risk-free rates?
Yahoo [1] provides historical data for the 13-week T-bill, 5-yr and 10- yr T-note, and 30-yr T-bond. At [2], I get that information as well as data for the 4-week T-bill and 1-month "constant maturity...
11 years ago 4
 
Buying a home
What kind of research is recommended before making a decision to purchase a home? (E.g. appraisers include the latest 12 months of sales, days-on-market, and average percent of asking price that is ac...
11 years ago 20
 
Term life insurance
I am considering buying simple term life insurance. I want to buy not too much, just enough to pay off the house if I die and maybe have a little extra. My question is whether I can designate two bene...
11 years ago 7
 
inheritance issue
Hey all, This may not quite be a financial issue, but we talk about inheritance issues a lot here so I thought I'd throw this out. Sorry if this is too far off topic. Let's say I have a family heirloo...
11 years ago 6
 
How to invest for an increase in inflation
I am interested in knowing the preferred strategies from the group if one were to assume an increase in inflation over the next several years. Thanks for your input. Bonds are the tradtional 'loser' d...
11 years ago 11
 
Awful CD rates these days...
1-year CD rates are hardly 1% these days. It is hardly worth the trouble of buying a CD at that rate. Is there anything else safe I should invest in? I just an $20k CD mature and looking to put it the...
11 years ago 32
 
ROTH IRA ?Is this legal?
Can I in every year: 01/01-XX Convert $100,000 from IRA to ROTH IRA 12-31-XX recharacterize $95,000 from ROTH IRA to IRA What you suggest is consistent with the convoluted strategy I read about some t...
11 years ago 3