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Financial Planning Calculations - source material?
posted by: lurky @ Tue Jan 24, 2017 8:47 pm
hi
I am developing a financial planning platform.. users will enter income, assets, liabilities, cash flows, goals (retirement, college for kids, etc) and the final report should detail the progress toward goals.
I have more of a programming background than financial, I don't think underlying calculations are terrible difficult but I want to be certain I get them right. Is there a text book or Finance book that would be considered the source for this... like the CFP text book? Thanks
Comments: 0 :: Read More >> Financial Planning Calculations - source material?


Should I adjust withholding for new home
posted by: thenewguy1 @ Tue Jan 24, 2017 5:25 pm
According to my loan officer- I would save approximately $350.00 in taxes monthly on a home with my mortgage rate/calculations he did. I think its sound- about $1800 for Principle,interest, taxes, PMI, etc.

That said, I would like to adjust my withholding so that I dont get a huge refund at the end of the year. My question is this- as principle starts to go up, and interest goes down, do I need to re-adjust my withholding each year to match that?

My buddy (who isnt a financial advisor) said that when buying a home you adjust withholdin...
Comments: 0 :: Read More >> Should I adjust withholding for new home


Mortgage for family business
posted by: billy @ Tue Jan 24, 2017 6:11 am
Hi all,
My father runs a restaurant. I have just finished my studies, and I am planning to join him in the business, since my father is retiring soon, I am planning to take over the restaurant, and look after it. We have huge debts, and if I want to take over, I need to pay off the debts, and start from the beginning, because even our goodwill has been affected badly. So, I need to start on a new note. I am also planning to open a new branch of our restaurant But, I do not have enough funds for this, and I am thinking of taking a loan. I hav...
Comments: 1 :: Read More >> Mortgage for family business


very old student loan , social security
posted by: evafla @ Mon Jan 23, 2017 9:03 pm
Please if someone knows......

I had student loan of about 6k in 1989 .
I did not pay it off . Stupid, but can not reverse it now .
Four months ago my ss started to be garnished , about 100 a month.

I even do not know/remember who was my lender .

Important for me question is ;

Are they done , or I still can expect attemps of going after my
another possesions , real estate in particular .

Thanks evafla
Comments: 1 :: Read More >> very old student loan , social security


Do you Use Online Banking with BBVA Compass Bank?
posted by: blackcats @ Fri Jan 20, 2017 9:22 am
I don't know if this is a nation wide problem or just in my local area, but Compass Bank online website has been experiencing technical difficulties. I first noticed this on November 8. I have called customer service numerous times and they are still working on it so they say!! I have two accounts with them that I can't access at all. These are estate accounts.

I hear people who hate Wells Fargo Bank, but I have never had any problem with their online website in all the years I have banked with them. And they didn't open up an accounts witho...
Comments: 0 :: Read More >> Do you Use Online Banking with BBVA Compass Bank?


financial planner between elderly client and family
posted by: adamjohnson @ Fri Jan 20, 2017 8:31 am
Hi, I have an ethical concern/question about the financial planner profession.

If a financial planner has formed a very close personal relationship with a well-off elderly client (mid nineties, has moments of confusion) to the extent that the planner makes all medical/life decisions (due to forming an emotional relationship) withholds information from the family, and becomes angry and upset when the family tries to become involved--well, is that a concern?

This is happening with a family I know. The financial planner is inserted (perhaps...
Comments: 2 :: Read More >> financial planner between elderly client and family


Paying way too much for a car loan
posted by: bill1971 @ Tue Jan 17, 2017 10:20 pm
My girlfriend of 14 years and I bought a car a year ago in November. Our payments are almost $600 a month. I tried to refinance but couldn't get a better deal because the equity in the car isn't there. Do car dealerships buy the car back, get a less expensive car and we just have to "eat" the difference, but at least it could be paid off quicker. It was a 6 year loan.

Thank you. My 1st post here.
Comments: 4 :: Read More >> Paying way too much for a car loan


Will Silver Shine in 2017?
posted by: michaelbronislav @ Tue Jan 17, 2017 1:19 am
2017 has come and the world is still charged with adrenaline with how the election has turned out. Everyone has their own skepticism towards Trump’s first year as president, same goes for the financial markets. Gold was left behind in terms of precious metal trade. With that, attention was diverted to the next best thing, Silver, which has become the investment of the year.

Read the whole article here: http://www.funds-money.com/silver-2017/
Comments: 1 :: Read More >> Will Silver Shine in 2017?


Credit cards and FICO scores, how much is too much?
posted by: Braymac @ Mon Jan 16, 2017 7:49 pm
I have just recently fixed my credit from when I was younger. I have one credit card as of now. I'll buy something and then pay it off completely when I get my first bill. My score is starting to rise. I wanted to get a couple more cards and continue to do the same thing but I have heard that too much credit could be a bad thing and negatively affect your credit. It doesn't make sense to me, but none the less, I wanted to look into it and get some advice on the subject. Thank you for any response.
Comments: 4 :: Read More >> Credit cards and FICO scores, how much is too much?


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