Talking Real Money - Investing Talk

Latest Episodes:

Ep. 1266: One Week Later: More Qs Oct 06, 2023

Show notes

In this Friday's Question and Answer episode:
While stocks plunged for most of the Great Depression, how did bonds perform?
Does it make sense to convert to a Roth if the taxes are paid from the IRA?
Does taking early Social Security payments and investing them better than waiting until age 70?
How is a lump sum pension distribution taxed and should it be used to pay off a house?
In which kinds of accounts should different types of investments be kept?
Why do we state that homes haven't been a great investment over time?
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Ep. 1265: Our Jobs Are Secure Oct 05, 2023

Show notes

Trillions of dollars are wasting away in low-yielding bank accounts. Why do investors keep making the same investing mistakes, over and over again, despite evidence that investing is incredibly simple if done right? How can you avoid making bad investing decisions? We also discuss the huge spread between savings account and credit card interest. A listener asks:
Is her brother's dividend portfolio a smart way to invest?
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Ep. 1264: Ending Conflicted Advice Oct 04, 2023

Show notes

The 401k and 403b investment offerings are a mess and the US Labor Department would like to make it better, but the financial product industry opposes mandating truly honest investing advice. Salespeople aggressively push expensive or unsuitable products, while the low cost products are hidden from participants view. What can you do to avoid the bad products and fiind the best retirement investments for you? Plus, listeners wasnt to know:
What is our problem with target-date funds?
Can an inherited IRA be gifted away?
What should be done with investments when someone enters long-term care?
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Ep. 1263: Shutdown Shut Down Oct 03, 2023

Show notes

We came prepared to talk about the impact of a government shutdown on your investments. Just as we came on the air, Congress voted to defer the issue for another 45 days. Yet, what would be the financial impact of another shutdown? We look back at the recent performance of the markets. Don shares some great streaming TV shows with Tom. Fund fees keep falling. Then, listeners ask:
What should be done with some extra cash in retirement?
Should marketable limit orders be used when trading ETFs?
What is a reasonable expected return for a portfolio?
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Ep. 1262: You Can't Win Oct 02, 2023

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The evidence continues to show why most "expert" money managers fail to beat their benchmarks. Don and Tom share some powerful academic reasons why money managers (and you) are unlikely to beat the market over time. Plus, those once-hot NFTs have turned icy cold, losing billions of dollars.
Then, we take some questions:
Is the I-Bond early-withdrawal interest penalty from early interest or the latest amount?
With Social Security in trouble, what is the best age to take withdrawals?
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Ep. 1261: A Unique QCA Day Sep 29, 2023

Show notes

In today's question and comment episode:
Don is appalled by another great example of a slick salesperson selling a horribly complex and misleading insurance investment for retirement.
Should a Roth be funded for someone on the cusp of making too much money.
A listener shares positive comments about a recent show.
Does overfunding a 529 to allow a future Roth IRA transfer to a child make sense?
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Ep. 1260: Trustworthy Advice Sep 28, 2023

Show notes

A recent study shows that most people trust the right people for investing advice. What is your trusted source of money information? Then, we hear from listeners:
What do we think of this retirement portfolio, heavily invested in real estate trusts?
Does the Schwab CD ladddering tool look good?
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Ep. 1259: You're Making Less Sep 27, 2023

Show notes

Morningstar recently reported a ongoing gap between investor returns and the returns of the stock market. You and your behavior make less than underlying indexes. We discuss Tom's attempt to buy a new Toyota and the lack of resonse to his queries.
A caller shares his long history as a trader.
Another looks for our opinion on real estate investment trusts (REITs).
Is there any way to avoid the capital gain on the sale of property?
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Ep. 1258: Bad Money Radio Sep 26, 2023

Show notes

Finding good financial advice is really tough. You might believe that those providing money information in the media are required to tell the truth. They're not. You need to carefully vet anyone providing investing information. We take a close look at the truth behind one the money radio shows in the Seattle radio who calls himself "The Money Professor." We find out there is less there than meets the ear. WE also look at some of the best CD rates and discuss laddering.
Our loyal listeners ask:
Are Dimensional funds passive or active?
What the the first steps to getting started investing?
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Ep. 1257: It's Not Investing! Sep 25, 2023

Show notes

Instead of lining up at the track or using a bookie, today's compulsive gamblers have a respectable way to feed their dangerous habit: short-duration option trading. The amount of money gambled away in securities markets is staggering, and it is no better than playing slots at a casino. It may be worse. We also discuss the egomaniacal comments of Bill Gross.
Listeners ask:
Which is better: Regular or Roth retirement accounts?
What do we think about Titan Capital?
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