This is a multi-part message in MIME format. ------=_NextPart_000_000D_01C0B915.80BA03E0 Content-Type: text/plain; charset="iso-8859-1" Content-Transfer-Encoding: quoted-printable CHARTER: misc.invest.financial-plan Posted bi-weekly or can be viewed at the misc.invest.financial- plan website at http://stump.algebra.com/~mifp Last Updated: 12/00 1. The newsgroup "misc.invest.financial-plan" is intended to=20 provide for well-tempered discussions, including, but not limited to,=20 the interrelated topics listed below: FINANCIAL PLANNING: -The financial planning process -The role of the financial planner -Financial statements -Development, implementation and review of financial plans -Software tools for planning TAXATION: - Tax planning and strategies - Current and proposed developments in tax law - Taxation as it relates to a comprehensive financial plan SAVING & INVESTING: -Budgetary,savings, credit and debt planning - Time value of money -Investment planning -General discussion of investment alternatives -Investment risk -Investment timing -Asset allocation -Fundamental & technical analysis -Savings and investing as related to a comprehensive financial plan INSURANCE PLANNING: -Life insurance -Health insurance -Homeowner's insurance -Automobile insurance -Liability insurance -Disability insurance -Insurance as it relates to a comprehensive financial plan RETIREMENT PLANNING: -Pension plans -Profit sharing plans -IRAs -Retirement income needs -Mentally preparing for retirement -Medical and long term care issues -Retirement planning as it relates to a comprehensive financial plan ESTATE PLANNING: -Wills and letters of instruction basics -Types of property ownership -Trust fundamentals -Estate taxation -Estate preservation and distribution -Estate planning as it relates to a comprehensive financial plan 2. It is never correct to crosspost or multipost and article to this newsgroup and any other newsgroup in the misc.invest.* hierarchy. This does not apply to meta-issues, such as RFDs. 3. Attorneys, accountants, investment counselors, insurance=20 professionals, financial planning professionals, and other interested=20 persons would have a forum to discuss their interrelated problems=20 and experiences. 4. General discussion concerning the different types of investments=20 would be welcome, however recommendations of specific stocks or=20 investments should not be allowed. This group could easily be=20 cluttered with "get rich quick" schemes, and there are many other=20 forums designed for this purpose.=20 5. Discussions regarding existing or proposed legislation relevant to = this=20 newsgroup would be welcome. 6. Solicitations, especially for specific financial products or = services,=20 would not be welcome. Commercial references in the signature lines are=20 acceptable, as long as the body of the post makes a substantive=20 contribution. 7. To prevent possible overcrowding, *extensive* discussion in any=20 *one* topic of tax, law, investing and insurance should be limited=20 to the specialty newsgroup involved. 8. Well-tempered disagreements and constructive criticism to=20 participants of this newsgroup are acceptable in the context of adding new information to the discussion. Harassment, personal=20 insults, attacks and profanity towards group participants will not be tolerated whatsoever. 9. By posting to this newsgroup, the poster agrees to indemnify=20 and hold the moderators harmless from any liability related to this newsgroup. =20 The ordering above is for convenience only and does not reflect a=20 preference ordering among the various topics. The Role of the Moderator ------------------------------------- 10. The moderator will not permit posts offering professional or other=20 advice, services or products for remuneration, except for signature = lines as =20 described in item 6. 11. The moderator will use his or her discretion to decide when=20 discussions drift too far from the topics above, or if a participant=20 would further benefit from posting in a specialty newsgroup, such=20 as misc.taxes or misc.legal. The moderator may return a post, = suggesting=20 a more appropriate newsgroup, post warnings when discussion starts to=20 drift off-topic, and may close down discussions when they are clearly = off- topic. The moderator will post a notice notifying the group of such = actions. 12. The moderator will have the discretion to add editorial comments to = a=20 post that he or she feels is inaccurate. For example: You can't contribute to an IRA if you're covered by a pension plan. [Moderator: This is wrong and a common misconception. See the FAQ.] 13. Any poster making threats or suggestions of serious harm or legal=20 action against a participant or moderator of this newsgroup will be=20 blocked from posting to this group entirely. =20 Moderator Selection and Replacement ---------------------------------------------------- 14. A moderator serves until he or she resigns. A moderator may=20 resign at any time. A moderator is requested to give the group=20 adequate notice in order to insure an orderly transition. 15. A moderator may designate a back-up moderator during vacation=20 periods, as long as the group is given adequate notice. 16. A sole moderator may appoint one or more co-moderators.=20 Moderators may share their duties in any manner mutually=20 acceptable. In the event that the group has multiple moderators, all=20 references to the sole moderator in the above paragraphs shall apply=20 to all of the moderators, collectively, if the context permits. 17. A resigning moderator, whether the sole moderator or co- moderator, may select his or her successor. Moderators are=20 requested to consider the opinions of readers of the group when=20 choosing their successors. A resigning co-moderator may, with the=20 unanimous consent of the other moderators, choose not to appoint=20 a successor. ------=_NextPart_000_000D_01C0B915.80BA03E0 Content-Type: text/html; charset="iso-8859-1" Content-Transfer-Encoding: quoted-printable
CHARTER: = misc.invest.financial-plan
 
Posted bi-weekly or can be viewed at = the=20 misc.invest.financial-
plan website at http://stump.algebra.com/~mifp
 
Last Updated: 12/00
 
1. The newsgroup = "misc.invest.financial-plan" is=20 intended to
provide for well-tempered discussions, including, but = not=20 limited to,
the interrelated topics listed below:
 
FINANCIAL PLANNING:
-The financial = planning=20 process
-The role of the financial planner
-Financial=20 statements
-Development, implementation and review of financial=20 plans
-Software tools for planning
TAXATION:
- Tax planning and = strategies
- Current and proposed developments in tax law
- = Taxation as it=20 relates to a comprehensive financial plan
SAVING &=20 INVESTING:
-Budgetary,savings, credit and debt planning
- Time = value of=20 money
-Investment planning
-General discussion of investment=20 alternatives
-Investment risk
-Investment timing
-Asset=20 allocation
-Fundamental & technical analysis
-Savings and = investing as=20 related to a comprehensive financial plan
INSURANCE = PLANNING:
-Life=20 insurance
-Health insurance
-Homeowner's insurance
-Automobile=20 insurance
-Liability insurance
-Disability insurance
-Insurance = as it=20 relates to a comprehensive financial plan
RETIREMENT = PLANNING:
-Pension=20 plans
-Profit sharing plans
-IRAs
-Retirement income = needs
-Mentally=20 preparing for retirement
-Medical and long term care = issues
-Retirement=20 planning as it relates to a comprehensive financial plan
ESTATE=20 PLANNING:
-Wills and letters of instruction basics
-Types of = property=20 ownership
-Trust fundamentals
-Estate taxation
-Estate = preservation and=20 distribution
-Estate planning as it relates to a comprehensive = financial=20 plan
 
2. It is never correct to crosspost or = multipost=20 and article to this
newsgroup and any other newsgroup in the = misc.invest.*=20 hierarchy.
This does not apply to meta-issues, such as = RFDs.
 
3. Attorneys, accountants, investment = counselors,=20 insurance
professionals, financial planning professionals, and other = interested
persons would have a forum to discuss their interrelated = problems=20
and experiences.
 
4. General discussion concerning the = different=20 types of investments
would be welcome, however recommendations of = specific=20 stocks or
investments should not be allowed.  This group could = easily=20 be
cluttered with "get rich quick" schemes, and there are many other =
forums designed for this purpose.
 
5. Discussions regarding existing or = proposed=20 legislation relevant to this
newsgroup would be = welcome.
 
6. Solicitations, especially for = specific financial=20 products or services,
would not be welcome. Commercial references in = the=20 signature lines are
acceptable, as long as the body of the post = makes a=20 substantive
contribution.
 
7. To prevent possible overcrowding, = *extensive*=20 discussion in any
*one* topic of tax, law, investing and insurance = should be=20 limited
to the specialty newsgroup involved.
 
8. Well-tempered disagreements and = constructive=20 criticism to
participants of this newsgroup are acceptable in the = context=20 of
adding new information to the discussion. Harassment, personal=20
insults, attacks and profanity towards group participants = will
not be=20 tolerated whatsoever.
 
9. By posting to this newsgroup, the = poster agrees=20 to indemnify
and hold the moderators harmless from any liability = related=20 to
this newsgroup. 
 
The ordering above is for convenience = only and does=20 not reflect a
preference ordering among the various = topics.
 
The Role of the=20 Moderator
-------------------------------------
10. The moderator = will not=20 permit posts offering professional or other
advice, services or = products for=20 remuneration, except for signature lines as 
described in item=20 6.
 
11. The moderator will use his or her = discretion to=20 decide when
discussions drift too far from the topics above, or if a = participant
would further benefit from posting in a specialty = newsgroup,=20 such
as misc.taxes or misc.legal.   The moderator may = return a=20 post, suggesting
a more appropriate newsgroup, post warnings when = discussion=20 starts to
drift off-topic, and may close down discussions when they = are=20 clearly off-
topic. The moderator will post a notice notifying the = group of=20 such actions.
 
12. The moderator will have the = discretion to add=20 editorial comments to a
post that he or she feels is inaccurate. For = example:
   You can't contribute to an IRA if you're = covered by a=20 pension plan.
   [Moderator: This is wrong and a common=20 misconception. See the FAQ.]
 
13. Any poster making threats or = suggestions of=20 serious harm or legal
action against a participant or moderator of = this=20 newsgroup will be
blocked from posting to this group = entirely.
 

 
Moderator Selection and=20 Replacement
----------------------------------------------------
 
14. A moderator serves until he or she = resigns. A=20 moderator may
resign at any time. A moderator is requested to give = the group=20
adequate notice in order to insure an orderly = transition.
 
15. A moderator may designate a back-up = moderator=20 during vacation
periods, as long as the group is given adequate=20 notice.
 
16. A sole moderator may appoint one or = more=20 co-moderators.
Moderators may share their duties in any manner = mutually=20
acceptable.  In the event that the group has multiple = moderators, all=20
references to the sole moderator in the above paragraphs shall apply =
to=20 all of the moderators, collectively, if the context = permits.
 
17. A resigning moderator, whether the = sole=20 moderator or co-
moderator, may select his or her successor.  = Moderators=20 are
requested to consider the opinions of readers of the group when=20
choosing their successors.  A resigning co-moderator may, with = the=20
unanimous consent of the other moderators, choose not to appoint =
a=20 successor.
 
 
 
 
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