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From: rob@druxo.UUCP (MitchellRJ)
Newsgroups: net.invest
Subject: Looking for info on "financial planning"
Message-ID: <1080@druxo.UUCP>
Date: Wed, 15-Jan-86 18:05:19 EST
Article-I.D.: druxo.1080
Posted: Wed Jan 15 18:05:19 1986
Date-Received: Fri, 17-Jan-86 01:52:15 EST
Organization: AT&T Information Systems Laboratories, Denver
Lines: 42


	Having a growing family and a house (i.e. mortgage) in suburbia sort
	of changes ones perspective on what to do with "spare" dollars.

	Recently I've been looking into "financial planning"
	and "financial planners" to attempt to prepare for the
	inevitable (don't ask what is inevitable, but something must be).
	Has anyone out there used the services of
	any "financial planners" (particularly fee-for-plan types),
	and if so has the information you've gained been of
	sufficient value to justify the cost. (So far I'm not
	convinced it would be).

	Otherwise, does anyone have any information on:

	"How to plan for your and your kids future when
	college will cost 30K a year (with no more student loans)
	and the gov't looks at you and says 'Social Security,
	naaaahhh, we discontinued that program way back in the 1990's'".

	I'm looking for anything.  Formulas for computing monthly
	needs which account for inflation, various rates of return,
	and consideration of taxes if possible.  Expected rates of inflation
	(any soothsayers out there), and obviously any hot tips for
	good returns on investments.  If anyone has written a program
	for this, taking all the factors (insurance needs, possible
	disability needs, childrens education, retirement, medical costs
	of later years, tax considerations, etc., etc. etc.)
	into consideration :-), I'd love to get it.

	Thanks in advance for any information.

					rob mitchell
					druxo!rob
					303-538-3830

	Actually, I'd rather spend the money enjoying the sun
	and surf in the Caribbean.

	Obviously, if I expressed any opinions :-), they're mine and
	not those of my employer.