Latest threads in Financial Planningshow only best voted threads

Subject Author Posted Replies
 
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...
7 years ago 4
 
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...
7 years ago 2
 
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...
7 years ago 12
 
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...
7 years ago 1
 
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...
7 years ago 7
 
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...
7 years ago 3
 
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...
7 years ago
 
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...
7 years ago 5
 
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...
7 years ago 4
 
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...
7 years ago 1
 
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...
7 years ago 1
 
WSJ: Say Goodbye to the 4% Rule
There are plenty of articles about shortcomings of the 4% rule - which is still a great *starting point* if not a real plan. The WSJ brings up a few alternatives to help overcome the problems with the...
7 years ago 1
 
CD Strategy - The Power of Two
Let me start off by saying that I have never purchased a CD. I like Ally's CD offerings because there's no minimum and the early withdrawal penalty is well-defined and easy to understand (namely, 2...
7 years ago
 
Updated MIFP Graphics
Going through my Google Drive, I noticed that I have some lingering MIFP-related stuff. So I took the liberty of updating and re-posting them. First up, the pseudocolor plot of the S&P 500 based on...
7 years ago 1
 
Backdoor Roth Early Distribution
Suppose I make a non-deductible traditional IRA contribution and later take a distribution less than the amount of the contribution. Clearly, the distribution is not subject to taxes. I don't think...
7 years ago