Talking Real Money - Investing Talk

Latest Episodes:

Ep. 1306: Lifelong Income Strategies Dec 05, 2023

Show notes

What's the best way to create a retirement income stream from your investment portfolio. Today, Tom and Don share four popular income strategies. Then, we hear from you (actually, a few of you):
Does it make sense to sell Apple stock to pay off a HELOC (home equity line of credit) early?
What is the best way to invest an inheritance?
How does money have to be withdrawn from a non-spousal inherited IRA?
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Ep. 1305: Pensions Staging Comeback? Dec 04, 2023

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Once thought to be nearly extinct (except for government workers), some major employers are bringing back the old fashioned pension plan. Does the apparent certainty of a pension make it a better retirement option than defined contribution plans, like 401k and 403b Plans? Plus, listeners ask:
Should the proceeds from the sale of an investment property be moved into a DST (Delaware Statutory Trust)?
Should a regular mutual fund be sold and an ETF purchased instead?
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Ep. 1304: A Lot of Questions Dec 01, 2023

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In todays's Q&A session:
Which funds should be used in a 403b?
Thanks for the podcast.
How much of fixed income should be in inflation hedges?
How could a mom squeeze a bit more income out of her portfolio?
Did it makes sense to sell bond funds and move into T-Bills?
Is an umbrella liability insurance policy needed?
How should a million dollar portfolio be invested?
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Ep. 1303: And the Winners Are... Nov 30, 2023

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A recent list of "the best mutual funds" is best ignored. The funds prised in this piece are not great funds, just a few that got lucky by being in the right investments at the right time. Plus, most of the funds are eclectic, expensive, and extremely risky. Then, Tom defends his Bob Brinker criticism and a listener asks:
Should a multi-fund portfolio be converted to ETFs?
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Ep. 1302: Seen the Light? Nov 29, 2023

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Most know him as the "Wolf of Wall Street." After ripping on investors for millions of dollars, Jordan Belfort claims to have "seen the light" and now believes that low-cost, index-style investing is the path investors should take. Then, listeners look for help...
...with a Health Savings Account's (HSA) divestment allocation.
...understanding why the value of a dividend fund has barely moved.
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Ep. 1301: Dave Promises Big Bucks Nov 28, 2023

Show notes

Forget the 4% rule, Dave Ramsey wants you to believe that you can take an 8% annual income from an American Funds (or other broker-sold) portfolio. We explain why that is incredibly unlikely.
Then on to the questions:
What's the best allocation among funds in the Thrift savings Plan?
Should a REIT in a taxable account be sold and invested in something more tax-efficient?
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Ep. 1300: Financial Illiteracy Nov 27, 2023

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A new study of Americans financial knowledge shows that a sizable portion of us are woefully uniformed about financial matters. Tom and Don share the results and ideas for improving our fiscal education.
Plus, listeners ask:
What do we think of a move from bonds into T-bills?
Is a financial advisor needed and why?
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Ep. 1299: Work Plans Losing Nov 22, 2023

Show notes

This is the last show of Thanksgiving week, as Tom and Don are taking time off. In the episode, we discuss the many problems with 401k and 403b plans that keep employees from doing as well as they might in other types of accounts.
Listeners want to know:
Does it make sense to invest almost $500,000 in a jumbo CD?
Why don't we make longer episodes and suggest people listen at higher speeds?
What do (did) we think of Bob Brinker?
In what order should retirement accounts be used for income?
How much would a diversified account have made so far in 2023?
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Ep. 1298: So Few Houses Nov 21, 2023

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Today, we talk about the biggest reason housing prices have stayed so high in a period of rising rates. We also consider the right time to sell a home and downside and the impact a changing real estate sales market might have on real estate agents careers. We discuss the foolishness of keeping money in low-yield savings accounts. We also hear from listeners:
How should a brokerage accoiunt be consolidated?
Getting a lot on a savings accounts and hoping rates stay high.
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Ep. 1297: Want to Pay Less? Nov 20, 2023

Show notes

If you want to reduce the amount you pay the IRS in 2024, there are several things you can do before the year is up to reduce your tax burden. If you wait until it's time to file next April, your deduction options are severely limited.
Listeners ask us:
If I convert one IRA to a Roth, must I convert them all?
How do you choose between financial advisors with widely divergent strategies?
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