Re: persfin-digest V5 #8

From: "Jill Schmidt" <jschmidt@ainet.com>
Subject: Re: persfin-digest V5 #8
Date: Sun, 3 May 1998 17:08:08 -0700
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> From: persfin-digest <owner-persfin-digest@lists.xmission.com>
> To: persfin-digest@lists.xmission.com
> Subject: persfin-digest V5 #8
> Date: Saturday, May 02, 1998 6:40 AM
> 
> persfin-digest          Saturday, May 2 1998          Volume 05 : Number
008
> 
> 
> 
> In this issue:
> 
>        Re: persfin-digest V5 #7
>        US Savings Bonds
>        Welcome & Thanks.... / V5 #7???
>        Re: Welcome & Thanks.... / V5 #7???
>        re Massacuhusetts IRA
>        Trading Hours
>        Stocks- stop-loss and buying system
>        IRA Conversion
>        [PERSFIN] test6
>        [PERSFIN] test3
>        [PERSFIN] test4
>        [PERSFIN] test5
>        [PERSFIN] test101
>        [PERSFIN] test100
>        test23
>        test21
>        test22
>        test20
>        Charitable Annuities?
> 
> The messages posted to the Persfin-Digest are opinions and are not
> intended to substitute for qualified professional advice.  Subscribers
> should seek the services of qualifed professionals for such advice.  The
> publisher, Internet provider, and Digest contributors cannot be held
> responsible for any loss incurred as a result of the application of any
> of the information provided here.
> 
> Copyright (c) 1998, Jeff Salisbury
> 
> POSTED SUBSCRIPTION FEE:  $20/year.  Payment is optional.  You will not
> be billed.  The Digest is available to all subscribers, whether or not
> they pay.  I do not discriminate either in favor of paying subscribers
> or against nonpaying subscribers.  If you feel that the information
> presented here is worth the fee, and you feel comfortable paying it,
> send cash, check, or money order (U.S. funds), payable to "Jeff
Salisbury",
> to:
> 
> 	Jeff Salisbury
> 	65 North 1300 East
> 	Logan, Utah  84321
> 
> Payment will be acknowledged by e-mail if you include an e-mail address.
> Subscribe: e-mail majordomo@xmission.com, text: subscribe persfin-digest
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persfin-digest
> 
> ----------------------------------------------------------------------
> 
> Date: Tue, 28 Apr 1998 13:37:52 -0600
> From: jeff@scrooge.csd.sdl.usu.edu (Jeff Salisbury)
> Subject: Re: persfin-digest V5 #7
> 
> On Apr 28, 11:43am, Sami wrote:
> > Subject: Re: persfin-digest V5 #7
> >
> > I hope you don't distribute the email list of subscribers to anyone
> > else .. Am I correct?
> >
> >-- End of excerpt from Sami
> 
> Sami,
> 
> You are VERY correct.  I personally receive up to a dozen spams every day
and
> I'll do everything in my power to protect the subscribers of persfin from
> ending up on some spammer's distribution list.  This is my policy and
practice:
> 
> 1. I will NEVER, EVER give or sell email addresses from the persfin list
(or
> any other list I run).
> 
> 2. All the lists I run are configured to prevent anyone using the
majordomo
> command "who" to obtain a list of subscribers.  If you try to get the
list of
> subscribers, the result will be:
> 
> 	>>>> who persfin-digest
> 	**** Command disabled.
> 
> If you have any other concerns, feel free to contact me.
> 
> Regards,
> 
> Jeff
> 
> 
> - -
> 
> ------------------------------
> 
> Date: Tue, 28 Apr 1998 14:20:31 -0500
> From: David Martin <dmartin@seabreeze.hc.ti.com>
> Subject: US Savings Bonds
> 
> 	Someone once mentioned a web site that could give the current
> value of any US Savings Bond. Of course, I forgot to save the URL. Can
> anyone repeat it for me? Thanks.
> 
> 							-David Martin
> 
> 
> 
> - -
> 
> ------------------------------
> 
> Date: Tue, 28 Apr 1998 12:39:05 -0700
> From: Christy Rohrig <christy@netwiz.net>
> Subject: Welcome & Thanks.... / V5 #7???
> 
> Welcome Jeff!
>     We'll miss Ira.  Anyway, I wanted to share my appreciation in your
> taking over editorial responsibilities.
>     Just wondering, were there V5 #1-6 or were they just test mailings?
> 
> Thanks,
> - -Christy
> 
> 
> - -
> 
> ------------------------------
> 
> Date: Tue, 28 Apr 1998 13:55:08 -0600
> From: jeff@scrooge.csd.sdl.usu.edu (Jeff Salisbury)
> Subject: Re: Welcome & Thanks.... / V5 #7???
> 
> On Apr 28, 12:39pm, Christy Rohrig wrote:
> > Subject: Welcome & Thanks.... / V5 #7???
> > Welcome Jeff!
> >     We'll miss Ira.  Anyway, I wanted to share my appreciation in your
> > taking over editorial responsibilities.
> >     Just wondering, were there V5 #1-6 or were they just test mailings?
> >
> > Thanks,
> > -Christy
> >-- End of excerpt from Christy Rohrig
> 
> Christy,
> 
> Ira is still subscribed to persfin-digest and will participate at his
leisure.
>  I will continue to rely on Ira from time to time.
> 
> Also, you are correct regarding V5 #1-6 -- they were just test mailings.
> 
> On a related topic, Ira and I are working on "transplanting" the past
issues to
> be archived at Xmission.  There will be more details in the future on how
you
> can browse and search these archives...
> 
> Jeff
> 
> - -
> 
> ------------------------------
> 
> Date: Tue, 28 Apr 1998 17:06:30 -0400
> From: "Dill, Mary" <mdill@jhancock.com>
> Subject: re Massacuhusetts IRA
> 
> > >
> > >(Editor's Comment - Massachusetts currently doesn't recognize
> > dividing the
> > >transfer of income from a regular IRA to a Roth IRA over 4 years in
> > 1998.
> > >In other words, the entire rollover is considered taxable income in
> > 1998.
> > >This has other sinister effects, such as raising the AGI limit for
> > >miscellaneous deductions because the rollover amount is included as
> > >income.  There are other AGI phaseouts of deductions - you have to
> > run the
> > >nmbers, or have your accountant do it. -IK)
> > 
> > Isn't your MA basis higher than your federal basis?   a Mass taxpayer
> > always paid into an IRA with after tax dollars (received no income
> > reduction for an IRA donation even when a federal reduction was
> > considered pre-tax).
> > 
> > 
> > 
> 
> - -
> 
> ------------------------------
> 
> Date: Tue, 28 Apr 1998 16:57:10 -0500
> From: dmak@tma-net.org
> Subject: Trading Hours
> 
> I've been reading in the WSJ about stocks that close at a certain
> price in "regular Big Board trading," but closed at a different price
> in "New York Composite Trading."  Anyone know what the differece is?
> 
> - -
> 
> ------------------------------
> 
> Date: Tue, 28 Apr 1998 19:15:25 -0400
> From: eric <eric_marcus@compuserve.com>
> Subject: Stocks- stop-loss and buying system
> 
> This is my stock system: Trailing stop-loss orders as follows:if stock
is=
> 
> under $30, stop-loss at 80%, If between $30-$80, S/L at 15%, if over
$80,=
> 
> S/L at 12%. Obviously this approach doesn't prevent a "whipsaw", but I'm
> willing to risk that.(There is no perfect world of investing.)
> 
> Conversely,  if stock goes up 20%, 15%, 12% respectively, I buy 60% more
> shares, each time it rises that percentage. Of course I raise the
> stop-loss immediately.
> 
> Comments (or other approaches) would be appreciated.
> 
> Eric   =
> 
> 
> 
> - -
> 
> ------------------------------
> 
> Date: Wed, 29 Apr 1998 18:08:50 -0400 (EDT)
> From: Ira Krakow <krakowi@tiac.net>
> Subject: IRA Conversion
> 
> >X-Originating-IP: [206.30.222.151]
> >From: "mike morehouse" <mikemore@hotmail.com>
> >To: pfinance.guide@miningco.com
> >Subject: IRA Conversion
> >Date: Wed, 29 Apr 1998 05:33:17 PDT
> >
> >On 4/15/98 I opened a Traditional IRA for tax year 1997 for my 19 year 
> >old son using a $2,000.00 lump sum contribution. We did a traditional 
> >deductible to reduce his taxes. Am I correct in understanding that I 
> >could now convert this IRA to a Roth and be able to spread the taxes 
> >over 4 years. Would this not make sense to do and is there something 
> >here I am missing or this this just a smart thing to do that Uncle Sam 
> >lets us do this year only?
> >
> >______________________________________________________
> >Get Your Private, Free Email at http://www.hotmail.com
> >
> >
> NEW EMAIL ADDRESS:  krakowi@tiac.ent
> 
> Your personal finance questions answered at:
> Web:  http://pfinance.miningco.com
> Email:  pfinance.guide@miningco.com
> Bulletin Board:  http://pfinance.miningco.com/mpboards.htm
> Chat Room:  http://pfinance.miningco.com/mpchat.htm
> 
> 
> - -
> 
> ------------------------------
> 
> Date: Sat, 25 Apr 1998 15:59:15 -0600
> From: jeff@scrooge.csd.sdl.usu.edu (Jeff Salisbury)
> Subject: [PERSFIN] test6
> 
> test6
> 
> 
> - -
> 
> ------------------------------
> 
> Date: Sat, 25 Apr 1998 15:51:19 -0600
> From: jeff@scrooge.csd.sdl.usu.edu (Jeff Salisbury)
> Subject: [PERSFIN] test3
> 
> test3
> 
> 
> - -
> 
> ------------------------------
> 
> Date: Sat, 25 Apr 1998 15:51:40 -0600
> From: jeff@scrooge.csd.sdl.usu.edu (Jeff Salisbury)
> Subject: [PERSFIN] test4
> 
> test4
> 
> 
> - -
> 
> ------------------------------
> 
> Date: Sat, 25 Apr 1998 15:58:39 -0600
> From: jeff@scrooge.csd.sdl.usu.edu (Jeff Salisbury)
> Subject: [PERSFIN] test5
> 
> test5
> 
> 
> - -
> 
> ------------------------------
> 
> Date: Sat, 25 Apr 1998 18:03:00 -0600
> From: jeff@scrooge.csd.sdl.usu.edu (Jeff Salisbury)
> Subject: [PERSFIN] test101
> 
> test101
> 
> 
> - -
> 
> ------------------------------
> 
> Date: Sat, 25 Apr 1998 18:02:40 -0600
> From: jeff@scrooge.csd.sdl.usu.edu (Jeff Salisbury)
> Subject: [PERSFIN] test100
> 
> test100
> 
> 
> - -
> 
> ------------------------------
> 
> Date: Tue, 28 Apr 1998 08:19:28 -0600
> From: jeff@scrooge.csd.sdl.usu.edu (Jeff Salisbury)
> Subject: test23
> 
> test23
> 
> - -
> 
> ------------------------------
> 
> Date: Tue, 28 Apr 1998 08:19:05 -0600
> From: jeff@scrooge.csd.sdl.usu.edu (Jeff Salisbury)
> Subject: test21
> 
> test21
> 
> - -
> 
> ------------------------------
> 
> Date: Tue, 28 Apr 1998 08:19:16 -0600
> From: jeff@scrooge.csd.sdl.usu.edu (Jeff Salisbury)
> Subject: test22
> 
> test22
> 
> - -
> 
> ------------------------------
> 
> Date: Tue, 28 Apr 1998 08:18:53 -0600
> From: jeff@scrooge.csd.sdl.usu.edu (Jeff Salisbury)
> Subject: test20
> 
> test20
> 
> - -
> 
> ------------------------------
> 
> Date: Fri, 01 May 1998 17:32:20 -0400
> From: Joel Elias <joelhe@geocities.com>
> Subject: Charitable Annuities?
> 
> I have read that it is possible to set up charitable annuities so that
one
> receives payments for life, of which some part may be non-taxable, and
some
> or all of the amount paid in to the annuity is deductible from current
> taxes. I was also told that one could fund such annuities with
appreciated
> assets and avoid capital gains taxes. This sounds like it could be a
useful
> retirement and estate planning tool for someone with no heirs and
> reasonable current income. I would like to learn more about using such
> annuities as a financial and estate planning tool. 
> 
> Can other persfiners point me to reliable information on this topic?
> What major (i. e. expected to be around for a while) charities have such
> programs?
> Any cautions for one getting involved in charitable annuities?
> 
> Thanks in advance.
> - ----------
> Joel H. Elias
> mailto:joelhe@geocities.com
> 
> 
> - -
> 
> ------------------------------
> 
> End of persfin-digest V5 #8
> ***************************
> 
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