Talking Real Money - Investing Talk

Latest Episodes:

Ep. 1336: The Great Home Debate Jan 22, 2024

Show notes

In today's podcast, we present more evidence showing it may be subssrantially cheaper to rent a home than to buy one. However, the equation changes when you factor in emotions. Plus, how much money do you need to be wealthy? Do shares an example of why buying a new cars is a financial mistake?
A listener asks:
What should be done with an old whole life policy purchased by parents for an adult child?
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Ep. 1335: Questions and Songs Jan 19, 2024

Show notes

First, a listener wants to take Don to task for his Bitcoin negativity.
What is the value of tax-loss harvesting?
Can a Coverdell ESA be moved to a 529 plan?
Can RMDs be postponed by going back to work?
Finally, we conclude with some listener created musical interludes.
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Ep. 1334: Legal Loan Sharks Jan 18, 2024

Show notes

We're all over the fiscal place today. After an ad during our radio show we look at the horrible and yet perfectly legal predatory predatory short-term loan business. Then, we try to understand why experts are still advising investors to try to find the right time to buy stocks and consider the psychological effect of bad markets. Plus, we compare whether it makes more sense to buy gold bars or freeze-dried emergency food at Costco.
A listener looks for advice on taking a lump-sum distribution or a monthly pension.
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Ep. 1333: Better in an ETF? Jan 17, 2024

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The SEC finally have given in to the pressure and approved "real" Bitcoin ETFs. Does this change make cryptocurrencies and less ephemeral or improve their possibilities as an "investment?" What are the 5 biggest annuity sales lies? Plus, are "regular investor" hedge funds any better than their "big" investor counterparts? Then listeners asks::
Which funds should be used for young people's Roth IRAs?
Can an advisor pitching indexed annuity be a fiduciary as he claims?
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Ep. 1332: Invest and Reduce Taxes Jan 16, 2024

Show notes

In the new year, you can save even more for retirement on a tax-advantaged basis. Take full advantage of your opportunities to save now and in the future. Plus, listeners want to know:
How should excess money in an HSA be invested?
What should be done with a $500,000 inheritance?
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Ep. 1331: Friday Questions and More Jan 12, 2024

Show notes

In this Q&A episode:
Does it make sense to switch from taxable bonds to tax-free municipal bonds?
Does a portfolio need more international or value exposure?
What effect will new Bitcoin ETFs have on the value of Bitcoin?
A listener disagrees with our statements about buying a home versus renting?
Is Emancipare a legitimate advisor?
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Ep. 1330: Short-Term Means Little Jan 11, 2024

Show notes

Beware of most (if not all) of the investing advice in the financial press. This is particularly true when the information is based on short-term data. Don't peek at your portfolio too often. Then we take listeners questions:
Does it make sense to purchace pension service credits?
Do those with checking at their broker need a bank account?
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Ep. 1329: The Weakest Plan? Jan 10, 2024

Show notes

Of all the types of employer-sponsored retirement plans, 403(b) plans are among the worst. Without a fiduciary requirement, many of the investment options are expensive, high-commission insurance products. That's why the onus is on you to make smart choices. Then, we hear from listeners:
To discuss issues with distributions from and taxes on an estate.
How to get a portfolio evaluation from us?
What do we think of Delaware Stautory Trusts (DSTs)?
When should RMDs be taken?
What's the best way to retire to Florida and find a place to live?
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Ep. 1328: Biggest Retirement Blunders Jan 09, 2024

Show notes

Very few Americans feel confident they can financially enjoy a comfortable retirement. So, what do real retirees wish they knew before retiring? We discuss why every investor should have international stocks and and share the hottest global markets. How did the United States fare? Along the way, callers join in.
What do we think of the retirement investment options from Northen Trust?
In the current environment would it be better to invest in longer term bonds?
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Ep. 1327: Know Before You Commit Jan 08, 2024

Show notes

Before you enter into any relationship, it's important to know how the other person perceives money. This is particularly important to know if you plan to spend your life with that person. Plus, listeners ask:
Can funds from a UGMA or UTMA be moved into a minor's 529 plan?
What is our opinion of spiders (the ones spelled SDPRs)?
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