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Old 12-11-2010, 09:39 AM   #41
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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?

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Old 12-11-2010, 09:42 AM   #42
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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.
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Old 12-11-2010, 11:34 AM   #43
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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.

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Old 12-11-2010, 03:23 PM   #44
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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.........:)
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Old 12-11-2010, 03:30 PM   #45
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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.
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Old 12-11-2010, 05:29 PM   #46
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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.
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Old 12-11-2010, 05:36 PM   #47
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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.

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