Description:
Financial planning in general. (Moderated)
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Posting to misc.invest.financial-plan
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Misc.invest.financial-plan is a *moderated* newsgroup, meaning
moderators review posts to assure compliance with the newsgroup's
guidelines.
In general you can expect that any well-tempered post dealing with
general financial planning will be posted. Further:
1. Posters should trim posts to which they respond. "Trim" means... more »
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FWD: annuities & low interest rates
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rescued from the filters, looking into why:
...
FYI -
[link]
tough choices where to park money - for now and income for the future..
--
/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/
No Good Deed -
Goes Unpunished... more »
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Pls explain bond terminology
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Someone asked for help with a financial problem. Generally, I know how to solve the problem. But some of the terminology does not jibe with my (weak) understanding of bond terminology.
The facts of the user's problem as stated: "A corporate bond has a face value of $1000 and an annual coupon interest rate of 6%. Interest is paid... more »
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FWD: CD for 401k Investment
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Salvaged from the filters, not sure why it was caught:
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Is there any legal reason why FDIC insured Certificates of Deposits
could not be offered as an investment option in a 401k?
-- Tony Sivori
-- David S. Meyers, CFP(R)
[link]
disclaimer: for educational purposes only. This is not financial advice.... more »
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social security statement
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Every year, I get a statement titled "Your Social Security Statement"
which details all of my earnings since I started paying social
security taxes and provides a summary of benefits I would be eligible
for in various scenarios. I didn't get that statement last year
(2011). Has something changed with respect to sending out these... more »
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Getting inherited IRAs into "normal" tax-deferred accounts
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My wife has an inherited Roth IRA and an inherited
traditional IRA. She obviously has to take RMDs from both. This is annoying for two reasons:
1) In case of the inherited trad IRA, the RMD is
taxable income.
2) In both cases, money is being forced out of
the tax-deferred/tax-free umbrella.... more »
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"Leftover" IRA Basis
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This is something I probably should have noticed last year, but
didn't. Since ~2007, I have made non-deductible IRA contributions.
In 2010, when the income limit for converting to Roth was lifted, I
converted my traditional IRA to Roth. I just finished up my 2011
taxes and I noticed something strange. On form 8606 (line 14), I have... more »
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ideas how to reduce mortgage payment w/o refinancing?
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Looking for any ideas on how to reduce monthly payments on a mortgage
that's mostly paid up ($90k principal left), to pay off in 10-15 years
without the cost of refinancing. Things I've looked at so far (and
disadvantages of each):
1. HELOC - variable rate, likely rise over next 7-10 years (up to... more »
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Don't follow the 4% rule
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A Morningstar article
"Unpacking the 4% Rule for Retirement-Portfolio Withdrawals"
by Christine Benz
[link]
discusses the 4% rule (initially spend 4% of portfolio value, and
increase withdrawals with inflation thereafter), which I think is... more »
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whole life - current valuues
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Was just reviewing our NW Mutual life insurance,
that has a larger term life + smaller whole life
I was curious about the whole life,
since it has the death benefit + cash value.
Here are the last 4 years of death + cash value,
and was wondering.... is the $2k worth it ?
2011 - $160k - $70k... more »
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