Latest threads in Financial Planningshow only best voted threads

Subject Author Posted Replies
 
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...
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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...
 
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...
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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...
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Porfolio composition discussion
In light of David's recent post (I am not the poster he was replying to) I figured I'd put up part of my asset class breakdown for discussion, ripping apart, etc. My personal methodology is to first...
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Non invest financial plan
Hi Thanks for this group. While this isn't the most logical group to ask about non invest financal plans, can anyone suggest who to contact for it? Even CPAs and CFPs seem unnterested if not investing...
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Avoiding stocks that refinance
This may not be plannable, but I wonder how one can avoid stocks that get large price setbacks by kind of refinancing themselves. Not sure of the terminology, but some companies issue a lot of new...
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Lessons from American Greed tv series?
CNBC is desperately trying to create tv series to fill in the time between live market coverage, and I would say American Greed is the only one that halfway works. We might consider what the lessons...
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Forbes - 7 questions to test your financial literacy
Great, short, informative article. I can?t tell you how many times I run into #3 and have to explain the difference between a container and what one puts into a container. And, given where I live and...
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REITs, the false nirvana for yield?
Reits are showing great yields and cap gains in this slow recovery with extended low mortgage rates. But what are the pluses and pitfalls in this environment? For example I hear there is some complex...
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local or big companies for retirement and TOD
Hi, Is there any advantage in using a local retirement agency other than something like Fidelity or T.Rowe Price, when you consider endgame type scenarios? Iow, are large companies just as personable...
 
bond funds and asset allocation
Is there much consensus on what percentage to put in bonds in these strange new days? Yields are so low, and capital loss is imminent if yields revert towards mean... uncle Ben wants to push us to...
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new credit card surcharge
Apparently in 40 states as of Jan 27 2013, retailers can charge up to a 4% surcharge. I saw that in a credit union newsletter, but haven't noticed it on any receipts. This seems a pivotal change in...
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Not so Portable Document Format (pdf archive pitfalls)
It has been recommended here to archive not only tax returns but misc receipts into scanned .pdf format. Old paper receipts can easily have their ink fade away in a few years anyway. Don't you have to...
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Roth & bank cert. of deposit (CD) vs IRS 1099
I have Roth IRA funds invested in a bank 2 year Certificate of Deposit (CD). I opened this CD February 2012, it matures Feb 2014. I am 70 years old. Will I get a yearly IRS 1099 for the interest...
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