Join Early Retirement Today
Thread Tools Search this Thread Display Modes
Old 12-11-2010, 09:39 AM   #41
Thinks s/he gets paid by the post
teejayevans's Avatar
Join Date: Sep 2006
Posts: 1,169
Originally Posted by FinanceDude View Post
If you annuitize a fixed annuity for example, you get the benefit of an "exclusion ratio", meaning that some of those payments are return of principal and some are at ordinary income rates, so it tends to be lower than marginal rates. Maybe that is what Ray is referring to........
Var Annuity - you pay regular tax rates on earnings
Equity fund - you pay preferred rates on capital gains/dividends
Both you get your principle back, so I don't see the advantage?

teejayevans is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 12-11-2010, 09:42 AM   #42
Thinks s/he gets paid by the post
Onward's Avatar
Join Date: Jul 2009
Posts: 1,567
Originally Posted by pb4uski View Post
They also have interesting articles
Not to mention Bill Bernstein as a regular columnist.

And if I claim to be a wise man, it surely means that I don't know.
Onward is offline   Reply With Quote
Old 12-11-2010, 11:34 AM   #43
Moderator Emeritus
Nords's Avatar
Join Date: Dec 2002
Location: Oahu
Posts: 26,563
Originally Posted by Ronnieboy View Post
I think Nords was in one issue.
I was interviewed by Fortune a while back (Retired at 50 - Doug Nordman (5) - FORTUNE) but if they're part of some conglomerate that owns Money as well then the interview probably ended up in more than one place.

As soon as the publisher sets a firm date on the book's release, it'll be time to crank up the interview machine again. Hmm. I wonder if they'd send photographers out to Hawaii in January or February.

The book written on, "The Military Guide to Financial Independence and Retirement", on sale now! For more info see "About Me" in my profile.
I don't spend much time here anymore, so please send me a PM. Thanks.
Nords is offline   Reply With Quote
Old 12-11-2010, 03:23 PM   #44
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
FinanceDude's Avatar
Join Date: Aug 2006
Posts: 12,484
Originally Posted by teejayevans View Post
Var Annuity - you pay regular tax rates on earnings
Equity fund - you pay preferred rates on capital gains/dividends
Both you get your principle back, so I don't see the advantage?
How do you get your principal back in a VA or equity fund, it's not guaranteed........
Consult with your own advisor or representative. My thoughts should not be construed as investment advice. Past performance is no guarantee of future results (love that one).......:)

This Thread is USELESS without pics.........:)
FinanceDude is offline   Reply With Quote
Old 12-11-2010, 03:30 PM   #45
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
mickeyd's Avatar
Join Date: Apr 2004
Location: South Texas~29N/98W
Posts: 5,659
I drop by the local library on a irregular basis and often stop by the magazine section and scoop up as many financial pubs as I can.

As I leaf thru them I rarely find much of value, but I can readily see how someone that is unsophisticated in matters financial could be lured into reading these pubs regularly and believing that the somehow have a lead on "The 10 hottest stocks in 2010" or "The Top 20 Managed Mutual Funds of 2011" Or "Why low 12b-1 Fees are a good deal for You" by reading a financial porn article.
Part-Owner of Texas

Outside of a dog, a book is man's best friend. Inside of a dog, it's too dark to read. Groucho Marx

In dire need of: faster horses, younger woman, older whiskey, more money.
mickeyd is offline   Reply With Quote
Old 12-11-2010, 05:29 PM   #46
W2R's Avatar
Join Date: Jan 2007
Location: New Orleans
Posts: 34,821
Right now I am not willing to pay for any magazine at all, whether by subscription or individually.

That said, if Money Magazine was dropped off at my door for free, I'd read it. Or, I'd read it in a library or doctor's office.

Maybe it's financial porn. I don't know. I do think it is interesting. I can't see myself changing any investments based on material from Money Magazine. For me it is a lot more fun to read than most magazines in doctors' offices, though.
"You can never cross the ocean until you have the courage to lose sight of the shore." - - - C. Columbus
W2R is online now   Reply With Quote
Old 12-11-2010, 05:36 PM   #47
Full time employment: Posting here.
Join Date: Nov 2010
Posts: 530
Herd investing gets profiled if you watch the trends. I watch out for the herd so I don't blunder in late. I do pick up good stuff occasionally. My recent find is Ken Fisher's "The Wall Street Waltz" with some intriguing historical financial charts.

devans0 is offline   Reply With Quote

Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

Similar Threads
Thread Thread Starter Forum Replies Last Post
Why Financial Plans Are Worthless walkinwood FIRE and Money 12 03-16-2010 03:09 PM
Money Mag: Can this Retirement Be Saved? deserat FIRE and Money 46 05-21-2007 12:02 PM
Money Mag TargaDave FIRE and Money 7 10-17-2005 09:29 AM
How long will money last? Money Mag earlyout FIRE and Money 21 10-29-2003 02:15 PM


All times are GMT -6. The time now is 02:25 PM.
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2016, vBulletin Solutions, Inc.