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Evensky and the Bucket Approach to retirement planning by
BreadWithSpam@fractious.net
Okay, so it's not the latest - this video is from back in March:
http://www.morningstar.com/cover/videocenter.aspx?id=330323
(I hope it's available to non-subscribers)
But it's a short video, worth watching, I think. Harold Evensky
is one of the big names in financial planning - lots...
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August 27th 10 09:55 PM
by Don
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Planning by comparison by
dapperdobbs
This useful site has been brought up before on this forum:
http://www.bls.gov/cex/#tables
Some may care to look at the tables showing quintiles of income. These
have very detailed averages of expenditures covering many common
categories. It may provide an easy method of comparing one's...
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Pension advice wanted by
art[_4_]
I'm a US citizen with retirement coming in the next few months and I
need some advice on whether to take my pension as a lump sum or an
annuitized payment. The people I’d typically ask for advice all have
a vested interest in one choice or the other, so I’d like to get the
collected wisdom of the...
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August 26th 10 11:35 PM
by Don
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High interest rate savings account by
oparr@hotmail.com
Someone from my bank called recently offereing to up the interest rate
on my savings account from just over 1% to 4%. I asked him what was
the catch and he said none and that I didn't even have to maintain a
minimum balance. Claims this is the latest trend in banking.
We have a meeting set for a...
( 1 2)
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retirement plan for a partnership by
BreadWithSpam@fractious.net
Just looking for some feedback:
Simple partnership, no non-partner employees. Income, etc all passed
to partners via K-1.
Several partners are s-corps - individuals who've incorporated
as a wrapper around themselves and the s-corp therefore receives
the K-1 and passes the income as wages to...
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Medicare Supplement Plans by
Abby Brown
Hi,
About how much should we allocate for a Medicare supplement
plan? We are doing some planning for when my wife retires in
two years. Assume she will be 62, I will be 67, and our income
will be about $100K (we can afford a good plan), and we will be
living outside the US for at least 4...
( 1 2)
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Index funds by
RJ
I am not in the US.
Index funds are very new in my country & the index fund market isn't
very mature & there isn't so much data about index funds here.
- There may be different indexes for a particular stock market, so
how would one arrive at what is the index best suited for an index fund.
- How...
( 1 2)
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Black Swan Insurance? by
dumbstruck
Any comments on the new retail oriented funds that are being set up
for this? Pimco says it can implement a 15% loss per year floor for a
tiny cost of 25 - 50 basis points using the same techniques as hedging
funds (articles talk about Pimco Tail Risk Hedging Fund 1, but I'm not
sure that is...
( 1 2)
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Greenspan Remarks on Tax Cuts, Medical Costs Depressing the Economy by
Elle[_4_]
http://www.nytimes.com/2010/08/07/business/economy/07greenspan.html?hp
I am struck by Alan Greenspan's remarks in today's NY Times. I am not
a disciple of his. Yet I would not have predicted him to be so
outspoken on the role health care spending, for one, is taking in this
Depression. His mention...
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Help a dunce with real estate by
dapperdobbs
I am a real dunce when it comes to real estate. I mean, I seem to
understand nothing. How much should one spend on maintenance of one's
home? (As a percentage of purchase price?)
"Maintenance" is, in my conception of things, incidental stuff like
brooms, some garden tools, some tools for leaky...
( 1 2 3 ... Last Page)
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Why do I have to borrow my own equity? by
Roger[_2_]
I'm almost sure this is a stupid question, but it seems like if I paid
that portion of my mortgage (my equity), that portion belongs to me in
some sense. Why do I have to "borrow" from it and pay interest on it,
if it's already my own money?
Thanks,
Rog
--- news://freenews.netfront.net/ -...
( 1 2)
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Graham selection of bonds by
RJ
I am from India. We do not have much of a bond market here.
Most of the bonds are issued by the public sector (Govt owned utilities
etc)
companies.
Regular Companies raise money by issuing Term Deposits (CDs) of 1 to 3
years which are subscribed to by people who are interested. Typically
they...
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The next time you meet a banker ... by
dapperdobbs
In the ongoing saga of how banks view the world, this article on
Bloomberg today caught my attention. There is a very glaring absence
of the "attorneys" who so vociferously and courageously champion
shareholder and investor rights. There was no mention of Whackovia
that I saw. I excerpted a few...
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Advice on Non-US Dollar Investing? by
Yadda
I think it would be wise to put some of the nest egg into accounts
overseas, for example Switzerland and Australia, to hedge against dollar
asset devaluation. I have never done this before and am looking for
advice on ways to do this. I know the obvious way is to travel to each
country and...
( 1 2)
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buying corporate bonds by
anoop
It looks like there are 10-year corporate bonds being
offered at around 4.5 - 5% by banks such as Goldman
Sachs and Bank of America. Would folks here recommend
buying these in a retirement account, or would they be
considered too risky given the current economic environment?
I've never bought...
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Automatic IRAs proposed in Congress by
BreadWithSpam@fractious.net
From an article on OnWallStreet.com:
Congressman Richard Neal, D-Mass., has introduced legislation that
would allow companies to set up automatic payroll deposit Individual
Retirement Accounts, or Auto IRAs, for workers who do not have access
to employer-provided qualified pension...
( 1 2)
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fixed pension - should I wait? by
Rapid Robert
I can start taking a pension after my 55th birthday, which is coming up
in the next 6 months. This is a old-fashioned company penson. There is
no cost of living increase for the pension, once it starts it is fixed
for life.
If I wait one year, the monthly amount goes up about 5.4%, two years,...
( 1 2)
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Article on medical pricing by
dapperdobbs
This is one of the first pieces I've seen that documents prices for
medical services. I hope it may be helpful to some for more accurate
planning purposes.
http://noir.bloomberg.com/apps/news?pid=20601109&sid=aZ0McyDpXF7A&pos=10
It's interesting that in all other business that I can think of at...
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NY Times Discussion of 401(k) Fees by
Elle[_4_]
See http://www.nytimes.com/2010/07/24/your-money/401ks-and-similar-plans/24money.html
A New York Times letter-to-the-editor writer commented further today:
"There are two areas where further inquiry would be useful... One is
401(k) plans invested in funds of funds, usually owned by the...
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New Financial Reform Law by
HW \Skip\ Weldon[_179_]
Does anyone have a sense of what (if any) new regulations will be
placed on financial planners?
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