brianbrianbrian said: He told me to take 3 blue pills, 1 purple pill and 2 red pills each day. I have no idea what they are but I feel great!

How do you know it's not a placebo?

Let me guess, OP will next tell us how well VUL's work in portfolios for "retirement planning"

germanpope said:usctrojan24 said:Wow, the anger. Apparently financial planners are salesmen only, they serve no valid purpose. Thank you thursday for the response to the question. I just wanna know if i should advise my clients about any other benefits. I like that unlike annuities there is a certain amount of portability. Thursday do u still have money in there?

don't worry USC ... this is a blue collar website ... FW folks go to San Jose State, Tujunga Community College, ect. ... they have to work for a living ...you went to USC ... if folks will buy large annunity contracts from you ... enjoy

Haha I'm ashamed to be a Trojan tonight...

[FYI some of us work our a$$es off to pay down $40k in outstanding student loans! ]

"I am a financial planner".....looking for advice on some shopping deal site forum......WOW.......PRICELESS!

ArbolLoco said:usctrojan24 said:Thank you psycho. I would have never thought of that reason because of my clientèle. Thank you everyone, my first question on FW got some great answers in a relatively short period.speaking of psychos... I was shopping around for structured settlement annuities for a settlement I'm working on... and someone gave me this number for these guys in NY that are supposedly good.

Now I have Vin Diesel calling me and telling me I'm missing the opportunity of a lifetime and Giovanni Ribisi calling my cellphone all the time and annoying the hell out of me.

I wonder how many people here get this. I laughed.

mikef07 said:ArbolLoco said:usctrojan24 said:Thank you psycho. I would have never thought of that reason because of my clientèle. Thank you everyone, my first question on FW got some great answers in a relatively short period.speaking of psychos... I was shopping around for structured settlement annuities for a settlement I'm working on... and someone gave me this number for these guys in NY that are supposedly good.

Now I have Vin Diesel calling me and telling me I'm missing the opportunity of a lifetime and Giovanni Ribisi calling my cellphone all the time and annoying the hell out of me.

I wonder how many people here get this. I laughed.The funny part is I am not kidding. These guys are annoying the hell out of me.

iseetrails said:I know that at least with T Rowe Price Target Retirement Funds that there are no fees above the underlying fund fees. I can make my four quarterly $3,750 SEP IRA contributions fully diversified without meeting all of the individual funds' minimums. And, my 2035 fund is five-star rated with Morningstar. I am pretty happy, because as a busy adjuster running my own busy, I don't have an hour per week to research each individual stock I own like Jim Cramer suggests.I'm in the same fund. And also Vanguard's equivalent. I can meet the minimums for the component parts -- in fact I am invested in most of them as well. I am a poor manager when it comes to simplifying my life.

techflyer said:iseetrails said:I know that at least with T Rowe Price Target Retirement Funds that there are no fees above the underlying fund fees. I can make my four quarterly $3,750 SEP IRA contributions fully diversified without meeting all of the individual funds' minimums. And, my 2035 fund is five-star rated with Morningstar. I am pretty happy, because as a busy adjuster running my own busy, I don't have an hour per week to research each individual stock I own like Jim Cramer suggests.

I also have some money in these funds, although I do manage about 2/3's of my portfolio on my own. I'm waiting to see what comes out better.You can't really judge much by which comes out better, unless your target funds do, in which case, stop acting on your own. But if you actively managed portion does better, you have to do a risk analysis as well. My actively managed portfolio has been doing extraordinarily well because I have a lot of money invested in a company that makes ipods. But that doesn't mean I shouldn't be invested in target funds or the market as a whole because my risk profile is very high being so concentrated...

DavidScubadiver said:I read a thoughtful posting regarding the advisability of investing in a target retirement fund outside a tax sheltered account. In essence, it is argued to invest inside an IRA for these types of investments because if you hold them to term as they are intended, you will eventually be shifted over to a large bond portfolio and you don't want the income taxed. And you can't just "sell" 15 years down the line without paying huge capital gains taxes (hopefully). So the recommendation, which seems right to me, is to keep these investments in a tax sheltered account.

I can't believe that no one had given this post green. This is such a valuable insight.

ArbolLoco said:usctrojan24 said:Thank you psycho. I would have never thought of that reason because of my clientèle. Thank you everyone, my first question on FW got some great answers in a relatively short period.speaking of psychos... I was shopping around for structured settlement annuities for a settlement I'm working on... and someone gave me this number for these guys in NY that are supposedly good.

Now I have Vin Diesel calling me and telling me I'm missing the opportunity of a lifetime and Giovanni Ribisi calling my cellphone all the time and annoying the hell out of me.
Boiler Room, good flick.