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Zane, If they experienced the 2000 - 2003 period and still held the curernt mix, then there is no reason that they wont hold the next time we se a 50% drop. As you know, they will be rewarded long term. If they had recently moved from bonds to stocks, I would share your concern, but since they have ...

Niko The opposite is true. In rough econ times, staples like BUD and MO will outperform others. So, if recession hits, you want to invest in the sin stocks. That's a fact, nbit theory That said, if you look at 10 yrs of data SRI has proven to have similar returns. You didnt win or lose. And not that...

Rodc wrote: Don't know. I haven't bothered to look. +1 Don't know, don't care. {rude comment edited by admin tashina} If you are a diehard freak and reading these boards every day, you sure as hell know what is happening in the market. Although I understand the spirit of the response - it's just am...

IMO, it's more costly if you sit on Roth money for a short time and then withdraw it for what ever reason. The money needs to grow there for long time to make it worth paying the tax on it. There are no taxs due when you take from a Roth Doug, it's not a matter of where the money is invested.. you ...

This board is always pretty negative on this strategy, but personally I think it is a GREAT one. I used it myself. If you are not funding your Roth for retirement and need a "place" to invest money for a home, there is NO better place than the Roth. I for one, was NOT funding our Roths in ...

Yes - the church is a 501c3. I can say with certainty.

It is not part of a denomination.

I suppose a merger risk is there, but that would have to be approved the board who is also governing the direction of the funds.

Thanks the help

Good suggestions, thanks. Being who I am, my focus will certainly be on IPS and the cost structure of the funds. We would also ensure that no "professional" church member mange the money on their platoform and have a board of advisors who presumably have diehard type qualities. The reason ...

Good thoughts, thanks. Yes, I believe that 5% is a government rule for private foundations - they also subject them to an excise tax. Thankd for the donor advised fund recomendation. After my most and more thoughts I Realized tht this may be the easiest way to go - for admin decisions / investment d...

Peter I dont know what you refer to perceisely but if TIAA is closely correlate to stocks, then this time period would not agree: 2000 .......26.35%.......10.66% 2001.......12.35%.......6.29% 2002 .......3.75%.......3.41% The market was down 50% Further, in 2006, the TIAA fund was down 6 DAYS if mem...

I completely agree. For a young middle class couple, there's little you could do to save MORE than the $10k per year. I dont know income ranges, but even if you make $75k per year and save $10k (after tax) that's a huge %%. Personally, as a single income family we use Roths (funding to the max) for ...

I have a tough time believing that REITs and TIAA RE are even comparable. They are vastly different. I would pick an allocation goal for each peice and treat them together as another asset class. Here are the annual returns for each: ..............REITs..........TIAA RE 1997.......18.77%.......10.07...

Well - there's no reason to stay away from it just b/c it's ML. In fact, if you can bet on anything, ML is profitable - therefore buying their debt is as safe as any other debt. 1 - You have issuer risk. One company. That can be diversified away. No need to take that risk 2 - I assume that they have...

Fisrt -> I have personal working knowledge of charities (501c3s) and have had business work with foundations and endowments. So, being far from an expert, I know the "minimum." My Church is very interestd in missionary work. One of the main objectives is funding work overseas through siste...

The real question is why you have a Valic 403b at all. Forget the small $ you are looking at b/c the valic account kills you 10 fold

Can I establish a 529 for myself, one for my wife, one for my first kid, one for my second kid and then in a few years transfer 3 of them into one kid's name without tax consequences? It seems like an easy way around the contribution limits. Can you also do that with an ESA? Sure - there is nothing...

gassert wrote: If I open a 529 account then I am the owner and the kid is the beny. It's not part of my estate, but the kid's. If I change they beny to another person, then it becomes part of their estate. What rules govern the changing of 529 benys? Can I open an account with my co-worker as the b...

If I open a 529 account then I am the owner and the kid is the beny. It's not part of my estate, but the kid's. If I change they beny to another person, then it becomes part of their estate. What rules govern the changing of 529 benys? Can I open an account with my co-worker as the beny and then whe...

Thanks LH - now that you say that it sounds familiar so I must have read it in the past.

GG

My father is long retired from a corporate job and mostly works on the yard and relaxes, but one of his buddies retired and went into farming. He has a farm with profit/losses each year although I don't know anything about how it's established or how he files his taxes. Now he's 70.5 and does not ne...

Thanks so far.

I was hoping to get an original copy of the papers, not just a copy or electronic.

Not sure if this qualifies as OT. Sorry if it does. I would like to get my hands on some newspaper headlines (prefer NYT) from big financial milestones - like DOW hits 1000!, or NASDAQ hits 5000!. or 87 crash - or whatever there is, both old and current. I tried ebay, but couldn't locate anything - ...

Winter - I just want to clarify the data since it may have gotten lost in all the back and forth of who knows what laws. Some or all of the money can come out of the 401k and be paid directly to the former spouse. Taxes will be due, but there will not be a 10% penalty. The QDRO must be done correctl...

I'm sure a guy like you can run the numbers and figure out what's best. Basically if you leave it and pass it to charity at your death - nobody pays taxes on the money. If you gift some of it NOW still nobody pays taxes, but you can only deduct an amount equal to 50% of your AGI (and can carry forwa...

The ONLY post you should read in this thread to get answers is the one by ddb. Most of the others are not giving you correct information. You are basically screwed unless ING stops payment on the check and reissues it as a benenficiary rollover check which you deposit into a unique inherited IRA. IN...

Say after 2 years at 105% Stocks the market tanks and youngster76 instead of $28K now has $14K or less depending on the leverage. The 5-year goal just became 7, 8, 9 years...... for what purpose, a few extra (possible, not guaranteed) return dollars? If you pop $10k into stock and new $$ into money...

First - is taking extra risk worth it? IMO, the upside of taking risk is very minimal. The primary driver in this case is how much you save, not really what type of return you get. If you save $7k per year on a $13k portfolio, then you start off increasing your nest egg by 50% a year. An extra 1 or ...

Thanks a lot.

Sounds like the dealer will line up shipping for $900 and likely make a few bucks since I am guessing the actual cost to him will be a little less. It's probably not worth my time to shop this (I know that's undiehard, but life is very busy right now).

GG

I purchased a car from an out of state dealer (just a "regular" car - nothing antique/collector). The dealer said they could line up shipping for $900 dollars or I could get it shipped myself. I have no idea if I can do better myself. (between 2 major cities - 800 miles) I googled car ship...