Latest Financial Planning

Subject Author Posted Replies
 
What's the point of EE savings bonds nowadays?
Or, rather, since 2005. Leaving aside the $10K annual purchase limit ($5K electronically, $5K of paper bonds), since 2005 Series EE bonds are *fixed-rate securities*, with the rate being 90% of the si...
11 years ago 11
 
CD insurance question
Andy asks, Does anyone here know if "brokered CDs" carry the same FDIC insurance guarantees as CDs bought privately from a bank ??? Thanks Usually they are, but your broker should be able to provide t...
11 years ago 3
 
Can a Home Equity Line of Credit Outlive The Home?
I used to own a condominium, on which I had a mortgage (from a mortgage company), and a home equity line of credit from Bank of America. Years ago, I sold the home, and paid off both of these debts. I...
11 years ago 1
 
Are Mutual Funds Worth It?
Many say that an actively managed mutual fund is not worth it because most do not outperform the market and hence investors are encouraged to invest in index mutual funds. However, is it a good idea t...
11 years ago 39
 
How long will 401(k) "stable value funds" remain stable?
Apropros of the discussion earlier, I wanted to pass this tidbit along: -- Rich Carreiro My company has reassuring words regarding our SVF. I don't know how meaningful that is. However, it raises the ...
11 years ago 2
 
bank accounts with online statements going back many years
The bank I use has online statements only going back a few months, currently to November 2008. I do get monthly paper statements. Are there any banks that offer access to an unlimited history of accou...
11 years ago 3
 
Honda
I am reading the latest book by Jeremy Siegel that you recommended, and I am thoroughly enjoying it. He is a little bit stuck on extrapolating past experience into the future, but he presents some ver...
11 years ago 3
 
Increase Risk as You Age?
Many financial advisers claim that young people should set up their portfolios such that it is most risky e.g. 100% stocks. As the individual ages and relies on income into retirement, he or she shoul...
11 years ago 30
 
Q on Equity line
Q on Equity line ***************************** We have a rental property ( townhome) that is fully paid up. It has been continually rented for many years. I would like to get an equity line- just in c...
11 years ago 1
 
Pulling out of no-lapse guaranteed universal life market
Has anyone heard news of AXA or anyone else pulling the plug on their no-lapse life products? If so, do you know why? I would assume, obviously, because they're not making money, or are predicting not...
11 years ago 2
 
Protecting Yourself from Stagflation
Stagflation, a rise in prices during periods of economics stagnation, occurred in the 1970s and occurred again in 2007-08 before making a transition into deflation. What is the best way I can protect ...
11 years ago 9
 
Some confusion about the Roth IRA five-year rule
I opened a second Roth IRA with Vanguard in 2005. When can I start taking distributions from the Vanguard Roth without penalty? The answer is "it depends." :-) The lengthy explanation starts on page 6...
11 years ago 6
 
IRA recordkeeping?
Can a hay-bale of old IRA transaction records be thrown away? This is across decades including rule changes, transfers of custodians, rollover and sometimes Roth conversions. Could there ultimately be...
11 years ago 11
 
Big Slide in 401(k)s Spurs Calls for Change
The article is well researched and very educational, but I found many statements there to be annoying. Above all, the assumption that the country as a whole can somehow get richer than itself by means...
11 years ago 14
 
investing in cheap houses
I wonder if there are real estate parternships one can invest it that would buy homes such as those mentioned in this article and rent them out (while waiting for house prices to rebound). It seems li...
11 years ago 13