Discussion Board How To The scoop on using the Discussion Board.     We believe that participants who frequent our Discussion Board should use it as a starting point for their due diligence, not as the sole decision point. There is no substitute for your own mathematical and factual analysis. Making financial decisions strictly on information derived from our Discussion Board begs foolishness, i.e., it's unWise.   Remember, the function of our Discussion Board, indeed most message boards, is the free-flowing exchange of ideas and insights; sometimes, but not always, it is also includes the posting of facts and figures. Much can be learned by distinguishing between the two.   Finally, information obtained from the Discussion Board does not constitute any tax, investment or legal advice. We encourage you to research and educate yourself from many sources.   The Scoop Registering Posting to our Discussion Boards is quick and simple, but does require a one-time registration process that is equally quick and simple. After registering, an email validation will be sent to you. Click on the url link in that email and you are ready to post! The registration information you provide will never be used for promotional purposes by this site.   To register:   Click here   Click 'Register' at the top middle of the Board next to 'Welcome Guest.'   Enter necessary information in the five fields (two of which are simply a repeat of your selected user name and email address). Once you read through the 'Terms of Service' agreement and click 'agree' an email validation will be sent to you. Click on the url link in that email and you are ready to post! Please note that due to the inordinate amount of Spam utilizing free email accounts we are currently not accepting the registration of many free email accounts such as Hotmail and Yahoo. We apologize for the inconvenience this may cause. Such a policy is the unfortunate by product of the proliferation of Spam.     To post:   Click '403(b) Forum' or '457 Forum'   Click 'New Topic'   And post your question     Board features include ability to: edit posts after posting, view all responses directly below original topic post, conduct polls, and post relevant news to a calendar   Search Feature It's easy to search previous posts for specific topics. You can perform both a simple search and an advanced search of this Board via the Search link which is located in the upper right hand section on each page of this Board.   Email Notification This Board can notify you when a new reply is added to a topic. Many users find this useful to keep up to date on topics without the need to view the Board to check for new messages. To do this, simply click on the 'Track This Topic' link found at the top and bottom of any topic. When you click this link, the topic will be added to your subscriptions that are managed from your control panel. Please note that to avoid multiple emails being sent to your email address, you will only get notified once per day of new replies.   Recovering Lost or Forgotten Passwords Security is a big feature on this Board, and to that end, all passwords are encrypted when you register. This means that we cannot email your password to you as we hold no record of your 'encrypted' password. You can however, apply to have your password reset. To do this, click on the Lost Password Link found on the log in page. Further instruction is available from there.   Moderators This site will delete posts it deems inappropriate. We can also delete posts upon request of poster. To contact the forum moderator click here.   Censoring Posts Unsuitable words are automatically censored and replaced with random symbols.   My Controls Once you register, a 'My Control' link will appear to the right of the log in area. Your control panel is your own private Board console. You can change how the Board looks and feels as well as your own information from here. For more information about this feature click here.   Posting Please always use the Board to post and reply. Do not email questions and responses directly to individuals using this forum. By posting questions on the forum, the writer benefits from several different points of view. As they say, several heads are better than one, especially Wise ones. But the most important reason for using the forum, as opposed to private email, is so others can learn from the exchanges posted on the Discussion Board.   Cookies Using cookies is optional, but strongly recommended. Cookies are used to track topics, showing you which topics have new replies since your last visit and to automatically log you in when you return. For more information on cookies including how to delete them click here.   A Few Closing Notes   No one person is a financial expert in the real sense of the word. It is impossible for any one individual to be fully informed about every single aspect of the financial world. In fact it has been reported that the IRS is wrong with its advice more than 25% of the time.   Constant changes in retirement plans like the 403(b) and 457(b) make understanding them a real challenge — even for the experts!   Be specific because it will aid in the answering of questions. The following may help with your posts: your age, specific companies you are investing with or are interested in, whether you are invested in or are interested in an annuity, variable annuity (mutual funds sold through insurance companies), or a pure mutual fund (sold directly by a mutual fund company).     Thank you for your participation and contributions to our Discussion Board.     Home | Disclaimer | © 2003-2007 bWise Guys, LLC. All rights reserved.