Talking Real Money - Investing Talk

Latest Episodes:

Ep. 1276: Many Questions and Answers Oct 20, 2023

Show notes

This week:
Why do we like the Utah 529 Plan?
Should BND be sold to create a ladder even if it's down?
Why don't we mention M1 Finance?
What do we think of the Fidelity Zero funds?
Can a corporate bond ETF replace a money market fund?
Is 1% per year a fair fee for an investment advisor?
Learn more about your ad choices. Visit megaphone.fm/adchoices

Questions? Comments? Click!

Ep. 1275: Annuities Are Sold... Oct 19, 2023

Show notes

Because they are so popular with financial salespeople, we need to talk about the confusing world of annuities. What are they and what are those who sell them failing to disclose? Discover the realities of these very complex (and lightly regulated) insurance investment products. Plus, we get annoyed with some if Suze Orman's simplistic and hyperbolic advice.
Listeners ask:
Which investments should be in taxable versus tax-advantaged accounts?
Why do we like AVGE when it's an "active" fund?
Why doesn't Tom buy his new car through Costco?
How should one go about saving extra money for an early retirement?
Learn more about your ad choices. Visit megaphone.fm/adchoices

Questions? Comments? Click!

Ep. 1274: Too Much Cash Oct 18, 2023

Show notes

Young investors have a lot of money in cash because they fear the stocks market. Yet, the best time to invest is when you are young because you have time to ride the ups and down of the market. Then it's question time:
What can be done after an adviser puts money into an annuity with the client's permission?
Why does a CD ladder makes sense?
Learn more about your ad choices. Visit megaphone.fm/adchoices

Questions? Comments? Click!

Ep. 1273: Crypto Sucks... Oct 17, 2023

Show notes

How much might Bitcoin appreciate per year? Someone claims to know. Then, a Bitcoin farm can consume the energy of a small city and while the Chinese won't allow them in China, they have no problem consuming our power and maybe even our national security secrets. Is Bitcoin worth the costs? Don shares some actual numbers. Listeners ask:
Do we know of a great 529A Able Plan?
What do we think of a simple portfolio and when should it be rebalanced?
Are more bonds needed in a portfolio?
Is there a case to be made for a traditional, tax-deductible 401k?
What do we think of an ESG portfolio?
Learn more about your ad choices. Visit megaphone.fm/adchoices

Questions? Comments? Click!

Ep. 1272: Funding Higher Education Oct 16, 2023

Show notes

A special episode devoted to paying for your children's higher education. Appella Wealth college-funding specialist, Jim Femia joins Tpm and Don to share his expertise on the various ways you can afford to help your kid's get through college.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Questions? Comments? Click!

Ep. 1271: Friday is Question Day Oct 13, 2023

Show notes

Friday is when Don takes the questions you record at Talking Real Money:
Why do Treasury security yields change throughout each day?
How do you check out a fee-based advisor?
What do we think of a company's new fund options?
Does his advice for a friend's retirement portfolios make sense?
Is the ETF "HIGH" a decent investment?
Learn more about your ad choices. Visit megaphone.fm/adchoices

Questions? Comments? Click!

Ep. 1270: Friends and Money Don't Mix Oct 12, 2023

Show notes

A Washington Post advice columnist suggested firing a financial advisor friend. How can you find the right person to manage your money? Then we hear from lots of listeners:
Is it better to invest fixed income dollars in bonds or laddered CDs?
Will moving from one brokerage firm to another cause a taxable event?
When is the best time to make a QCD?
Why doesn't the Fed raise rates in one big move?
How can an employee get out of an Edward Jones 401a?
Which of many bad choices should a school district employee use in 403b?
How does Merrill Lunch differ from Schwab?
Learn more about your ad choices. Visit megaphone.fm/adchoices

Questions? Comments? Click!

Ep. 1269: Costs of Being Mortgage Free Oct 11, 2023

Show notes

There's a lot money tied up in our homes, so should you pay off your cheap mortgage? What are the costs to access all of that money should you need it? At Bank of America, it could cost up to 10% for a home equity line of credit. We talk about the potential future of bond prices. The we here from a bunch of Kens, a Barb (and others):
What happens to the homeowner's capital gain exemption if you rent you house for a few years?
Does direct indexing make investing sense?
To invest in other funds should I wait until the old securities price goes up?
How much risk should someone with a high risk capacity, but no need for risk, own bonds?
Should I-Bonds be sold and reivested in CDs?
Do QCDs (qualified charitable distributions) makes sense?
Learn more about your ad choices. Visit megaphone.fm/adchoices

Questions? Comments? Click!

Ep. 1268: Dumb and Dumber Money Oct 10, 2023

Show notes

The movie "Dumb Money" depicts a small slice of the pandemic meme stock trading stupidity. Today, we discuss trying to time the market and it's similarity to other ways we lose money. Then, listeners ask:
How much should be kept in the short-term liquid accounts?
Should we take money from different types of account in different markets?
Learn more about your ad choices. Visit megaphone.fm/adchoices

Questions? Comments? Click!

Ep. 1267: Fear for Financial Future Oct 09, 2023

Show notes

A recent study found that the vast majority of Americans don't believe they will be in good enough financial shape to retire at age 65. What are some of our biggest concerns and how can we deal with our unpreparedness? Plus, we share the tale of a money talk show host who went wild with listeners money. Then, we here from listeners:
One takes us to task for sharing mutual fund portfolios instead of just ETF portfolios.
Another asks where Health Savings Account (HSA) should be invested.
Learn more about your ad choices. Visit megaphone.fm/adchoices

Questions? Comments? Click!

Our TOPPODCAST Picks

Follow Us

Stay Connected

Talking Real Money – Investing Talk

Related Podcasts

Links

Stay Connected