Latest threads in Financial Planningshow only best voted threads

Subject Author Posted Replies
 
tax-adjusted wealth
At my brokerage firm I have taxable, traditional IRA, and Roth IRA accounts. The taxable account has unrealized capital gains, and withdrawals from the traditional IRA will be taxed as income some...
6 years ago 5
 
IRA MRD question
77 yo here. With the extremely high probablity of tax rates increasing the remainder of my life should I consider withdrawing more than the minimum required amount from my IRAs and investing them in...
6 years ago 7
 
When are you comfortable throwing out account statements?
How many years after an account has been closed (i.e. checking, credit card, brokerage accounts, not accounts like utilities, auto/home insurance, etc.) are you comfortable throwing out (trash, not...
6 years ago 4
 
Only 45% roll over - what do the other 55% do?
A statistic quoted in a recent Kiplingers Letter: Of course, this is an improvement but it?s still a very disturbing number, since it means that the majority ? 55% ? of folks who leave an employer and...
6 years ago 1
 
Do secondary LTD policies exist?
My employer provides long-term disability coverage as an employer-paid benefit (they are also smart enough to run it through post-tax so if we ever have to collect, the benefits will be tax-free)....
7 years ago
 
Qualified Charitable Deductions
QCDs are a direct donation to an established charity from an IRA without impacting Adjusted Gross Income. It does count toward Required Minimum Distribution. The current arrangement is that QCDs...
7 years ago 2
 
I-Bonds Real Interest Rate Goes Back Above ZER O
I-Bonds Real Interest Rate Goes Back Above ZERO for the first time since the rate was set to zero back in Nov, 2010. For the last three years, any newly purchased US Treasury Series I savings bonds...
7 years ago 2
 
what can I own in a roth IRA
Instead of owning stocks in a Roth Account, Can I own a house in my Roth Account. Simple answer, yes. It must be done through a self directed IRA, and there are a number of warnings that come with...
7 years ago 1
 
Laddering with defined-maturity bond funds?
Just curious if any of the pros (or laypeople) have any opinions on the pros and cons of building a bond ladder out of defined-maturity bond funds (be they ETFs or traditional mutual funds)? At least...
7 years ago 1
 
Google Financial Question ?
Hello, Am in my 70's now, and would be grateful for some help. Years ago, I used Google Financial to at least try to keep up with a modest portfolio. Haven't played with it, though, for at least the...
7 years ago 1
 
DIY Real Estate tax appeal - good idea?
I've just recently discovered a small wonder of the Internet - my county's Board of Assessment website. Contains everything you ever wanted to know about your house as well of that of your neighbors....
7 years ago 3
 
States starting to escheat unannuitized VAs?
I had an interesting conversation with Vanguard today and wanted to pass it along... My mother has a variable annuity with Vanguard. It is not annuitized and there is no desire for it to be...
7 years ago 11
 
Stock Screeners sabotoged
Arrgghh, I can't believe a major stock brokerage has been giving me mangled stock screen results. In such a target rich environment, you need something to sift thru the chaff. Have you ever looked...
7 years ago
 
pension plan weasel language?
Should I be alarmed at the following info contained in my former employer's Annual Funding Notice for Retirement Plan? With MAP-21 rates, fund is at 101%, without it is at 86%, for 2012. Whatever that...
7 years ago 1
 
Cash in life insurance policy?
I have an AXA Equitable life insurance policy (modified premium variable whole life) with a face value of $100,000 and a net cash surrender value of $61,000. I am 66 years old & in good health. No...
7 years ago 2