Latest threads in Financial Planningshow only best voted threads
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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...
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11 years ago
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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...
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11 years ago
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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...
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11 years ago
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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...
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11 years ago
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Buy, Hold, and Rebalance
Rick Ferri (kind of like a broken record, but at least it's a great song) on Buy, Hold, and Rebalance: Nothing new here, but always a pleasure to read, and a couple of nice illustrations.
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11 years ago
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cc refunds?
Here's a naive cc question... if you get a refund for return of a pricey item posted to your account AFTER being hit by a monthly bill for that and other items... do you pay it all anyway in order to...
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11 years ago
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Tax Free Transfers to Charity
There is a nice benefit to direct transfers from your IRA to a charity. It avoids a large increase in you AGI and maintains the value of the standard deduction. It has been renewed for 2013 and under...
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11 years ago
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Ultra-Short summary of American Taxpayer Relief Act
As posted to my worpress blog at Ultra-Short Summary of American Taxpayer Relief Act of 2012 (HR8 as amended by the Senate) American Taxpayer Relief Act of 2012 (HR8 as amended by the Senate) The...
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11 years ago
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What year for SEP IRA contributions apply?
I understand that SEP IRA contributions for self employed are based on ~19% of net profit. However, one does not know net profit till after filling your taxes. So if I contribute money in 2013 to SEP...
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11 years ago
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timing and credit score? - renew home equity line
Okay, we have a median price single family home in the suburbs with first mortgage paid off, and a home equity Line of Credit ($40,000) that expires April 2013. This is according to original contract...
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11 years ago
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Surviving the Fiscal Cliff
Article from CNN/Money about surviving the fiscal cliff: (if anything) are MIFPers doing to prepare for the fiscal cliff? --Bill Financial planners are bracing clients for a series of tax hikes and...
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11 years ago
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A muni meme is born
I was doing a write-up about the new Medicare tax on net investment income, and one thing that struck me is that tax-exempt municipal bonds are one of the few income sources that won't be hit by it....
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11 years ago
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Extra-large dividends this year?
Anyone tracking or have any idea how many companies are paying out extra-large dividends in advance of the upcoming tax hikes? I know Costco is paying out a very large dividend and Oracle has...
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11 years ago
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question about TIPS via ETFs
Hoping someone can help me understand this... Accidentally came across an article in Fortune magazine states that: "A major advantage of buying an ETF over an individual bond: If you're holding the...
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11 years ago
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new bond/income funds
i havent kept up with current mutual fund screeners, which sometimes dont work on tablets anyway, so was reduced to checking out a list of fidelity funds with max yields. a high yield protects you...
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11 years ago
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