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Article
06
Jun 07

When It Comes To College Saving, Keep It Simple

Q. How about some guidance on saving for college. My daughters both have new babies and want to start saving for college. I recommended mutual funds with Vanguard. One son-in-law wants to fund college through a life insurance program with a fraternity brother. They will listen to you. ---D.D., by email...

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Article
23
May 07

When the Sky Falls, It Will Do So Slowly

Q. My wife and I are 60 and plan to retire at 62. At that time we will have $31,000 annual income from Social Security and $48,000 from a corporate pension. A 401k/IRA of $1 million will provide additional income from investments. Recently I have been reading a book titled "Crash Proof" by Peter D. Schiff...

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Article
20
Jul 06

The Best Retirement Formula: Make Your Own

Q. Please email me your formula for figuring how much money it takes to retire. I am 72 and still working. ---J.A., by email from Dallas, TX A. For better or worse, I have no such formula. The best we can do is come up with different rules of thumb, all of which have the accuracy and grace of thumbs...

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Article
15
Jul 06

Salespeople Don't Sell Non-Commissioned Products

Q. I retired in the spring of 2000 and my financial products salesman sold me on predominantly equities. After some painful losses, I want to diversify into some fixed income investments--- as we should have done in 2000. I've asked him about Vanguard Total Bond Market, TIPS, ETFS and some other things...

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Article
06
Apr 06

Gauging the cost of money management

Q. Recently, my grandmother, who is 102, asked me to look at her investments. She just didn't think they were doing as well as she thought they could be. She was also paying a lot of fees. Right now, she has her investments in four different accounts with a major brokerage firm. The accounts total about...

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Article
09
Feb 06

Fees Influence Performance and Asset Allocation

Q. I have two questions. First, my wife's financial planner has her IRA invested in a fund (ticker: FABGX) that has a 5 percent back load, a management fee, and a 12b-1 fee. I say that's bull. Of the total, $20,000 is in a money market fund which at her age of 46 is also bull. The remainder of the $400...

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Article
19
Jan 06

Yes, You Can Have Too Much of a Good Thing

Q. My wife and I have about $320,000 of investments. About a third of that amount is invested in two royalty investment trusts. One is oil-based, and the other is in natural gas. Even after the recent dunking the energy market has taken, we are still 20 percent above water on these. Obviously, we are...

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Article
15
Dec 05

Worried about interest rates? Build a ladder.

Q. In May I made a 7 figure deposit with a very large Boston wealth management firm. They invested 60 percent in equities and 40 percent in their intermediate bond fund. I protested when I saw the intermediate bond fund and forced them to exit it. As an alternative, I bought 90 day Treasury bills earning...

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Article
13
Oct 05

Should Dividends Be Reinvested?

Q. There are some who say dividends should be reinvested whereas there are others who say it is better not to reinvest. What is your opinion? ---B.A., by e-mail A. The odds favor reinvesting the dividends. There are several reasons for this. The first is that dividends play a much larger role in long...

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Article
06
Oct 05

Roth 401(k) Plans: The Basics

Q. My company will soon start offering a Roth 401(k) option. Can you advise when one should choose it over a regular 401(k) option? Do company matching contributions also go into the Roth 401(k) or do they go into a regular 401(k) when the participant goes into the Roth 401(k)? Can you provide hypothetical...

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