Real Estate Planning Archives - VeriPlan Personal Financial Planning

VeriPlan Personal Financial Planning

DIY financial and retirement planning Excel calculator software

Instead of non-traded REITs, buy publicly-traded REIT index mutual funds and ETFs

Publicly-traded REIT index mutual funds and ETFs add can add far more cost-effective real estate exposure to your portfolio If you really need to add real estate securities to your portfolio, the most sensible way to do so is to buy very low cost REIT index mutual funds or ETFs. This article will overview why […]

Non-traded REITs – relatively lousy investments

Research demonstrates that excessive expenses, conflicts of interest, and lack of markets cause non-traded REITs to be inferior investments Research reports clearly show that non-traded real estate investment trust (REIT) securities are lousy investments. They are lousy, because an investor always has the alternative to invest in publicly traded individual REITs and REIT mutual funds […]

Home Buying Calculator

Plan the future purchase of homes with a sophisticated home buying calculator VeriPlan’s fully integrated and automated financial calculators and financial software tools deliver financial planning power to the individual. VeriPlan’s home buying calculator tool automates the lifetime financial planning process associated with future residential home purchases. VeriPlan’s home buyer calculator functionality automatically take into […]

"VeriPlan has been a very flexible home financial planning tool. It took me a few hours on a weekend to understand what VeriPlan could do and to enter our financial data. Our family financial affairs were scattered all over, and we lacked a comprehensive picture of what the future might hold for us. I wanted a clear understanding of our projected lifetime and retirement income, expenses, taxes, debts, real estate, financial assets, college investments, retirement investments, and everything else all together."S. L. in Altadena, CA

"Larry, Thanks for the response. I watched the videos you’ve made so far on YouTube. Very good. In fact one of them addressed a situation that applies to me. I first learned about the zero federal taxes on long term capital gains when under the 25% marginal income tax rate from working with Veriplan a number of years ago. I’m no longer working but not yet receiving RMD’s or social security so my ordinary income is relatively low. So I’ve been taking full advantage of zero federal capital gains taxes by selling off my high expense ratio mutual funds which have a lot of capital gains built in since I’ve held them a long time and then I reinvest them in index mutual funds which don’t generate as much capital gains distributions. So the education that you and Veriplan provide has saved me thousands in taxes, not to mention the expenses on high cost mutual funds. Thanks again."M. D. in El Paso, TX

"I thought I would let you know that VeriPlan was the primary decision support tool in my decision to retire early, which was about 4 years ago now. And it has worked out really well. Since then I got married, and we have traveled to 10 countries -- some on mission trips. I had used the lifetime planners in Microsoft Money and Quicken but they were not robust enough to make a major decision with. In retrospect they are toys compared to VeriPlan. So VeriPlan has been a very big help to me. Also, I recently read your Lowest Cost Mutual Funds book, which was great. It brought a few things to my attention that I need to work on."Email update from T. H. in Silicon Valley

"Larry, Thanks for the response. I watched the videos you’ve made so far on YouTube. Very good. In fact one of them addressed a situation that applies to me. I first learned about the zero federal taxes on long term capital gains when under the 25% marginal income tax rate from working with Veriplan a number of years ago. I’m no longer working but not yet receiving RMD’s or social security so my ordinary income is relatively low. So I’ve been taking full advantage of zero federal capital gains taxes by selling off my high expense ratio mutual funds which have a lot of capital gains built in since I’ve held them a long time and then I reinvest them in index mutual funds which don’t generate as much capital gains distributions. So the education that you and Veriplan provide has saved me thousands in taxes, not to mention the expenses on high cost mutual funds. Thanks again."M. D. in El Paso, TX