Description:
Financial planning in general. (Moderated)
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Mortgage backed securities.
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I am interested in investing in mortgage backed securities. But I am a small fish and don't want to buy individual ones. Are there mutual funds or ETF's invested in these? TIA.
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NY Times: Why Not Walk Away from Your Mortgage?
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...--- John Courson, president and C.E.O. of the Mortgage Bankers Association, recently told The Wall Street Journal that homeowners who default on their mortgages should think about the message they will send to their family and their kids and their friends. Courson was implying that homeowners, record numbers of whom continue to default,... more »
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Traditional vs charitable annuities
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As I understand it, traditional annuities with INS companies, pay me and my spouse an amount per month until my (our) deaths and then they keep whatever is left over. With a charitable annuity at comparable interest rates, same thing and it still may be thru an INS company, but I get an immediate tax write-off (expected amount that's left), I get a... more »
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SEP vs 401 K safe harbor costs for small company
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I am president of a small manufacturing company with less then 30 full time employees. We have about 10 employees that participate in our SEP. My 2 partners(nolonger active in business but still recive w2 income from business) and I max out our 16K contributions+ 3% company match( all 3 are north of 50 Y.O.). My salary is approx. 80k + year... more »
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401k fidelity bonds
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I was looking up misc. 401k plans on brightscope.com and had a few questions about interpreting the data. [link] That plan has $32 billion in assets and a fidelity bond of $110 million.... more »
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Is This a Good Way to Fund My 401(K)?
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I am a single, employed person who recently turned 50, making me eligible for catch-up contributions to my 401(K), but my annual income has recently declined, from about $110K to about $90K. I very much want to contribute as much pre-tax money as possible to the 401(K), but the reduction in income has made that exceedingly difficult.... more »
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How to deal with this property?
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Situation: I currently own a home, which I bought for around 200K a few years ago. I guess it is worth about the same value now. I’ve already paid about 100K so far. However, I am unemployed now. I guess I will not seek another employment for the near term. My partner lives with me for the past years. He is willing to help me with the rest... more »
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losses - trade vs settlement
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logging-data="19442"; mail-complaints-to="ab...@eter nal-september.org" X-MimeOLE: Produced By Microsoft MimeOLE V6.00.2900.5579 X-RFC2646: Format=Flowed; Original X-Newsreader: Microsoft Outlook Express 6.00.2900.5843 X-Auth-Sender: U2FsdGVkX18BGrcrx4N+ZaGtUi9t9V GVlHURJboYXI4= Cancel-Lock: sha1:Lh+KbMfcq3RVk+9zNSe+xWClW W4=... more »
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Capital Gain / Depreciation Recapture Question
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Hi, Suppose I have a Capital Gain Tax loss of $11,000 and I have a Depreciation Recapture Tax of $36,000 for the year I sell an Investment Property. Is the combined tax liability for this year $36,000 - $11,000 = $25,000, or $36,000 - $3,000 = $33,000? In other words do I have to use the $3,000 maximum loss this year an roll... more »
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