Talking Real Money - Investing Talk

Latest Episodes:

Ep. 1246: Saturday Eve Qs and Cs Sep 08, 2023

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In this Q&A (and C) episode:
What's the best way to sell gold for an estate and what are the tax ramifications?
What type of 401k is better for charitable contributions?
Those Vanguard transaction fees get paid back into the funds.
Can an index fund be traded, tax-free for an ETF from another firm?
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Ep. 1245: Past Isn't Prologue Sep 07, 2023

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For decades, bonds moved differently from stocks. Then they moved together. So, what will happen in the future? In addition, can you know things that the "market" doesn't? Why do we refuse to jump on "investing" bandwagons like crypto? Does a crypto ETF makes sense?
Listeners want to know:
Is it better to invest now of dollar-cost average into the stocks market?
What is likely to happen to real estate prices?
Are CDs the place to invest safe dollars?
How can an illiquid investment vehicle be liquidated in an estate?
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Ep. 1244: Keep Messing Up Sep 06, 2023

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In this episode, we explore a couple of the big mistakes investors make and clearly and simply explain how to avoid. But, we know most of you will ignore our advice. Thank you! Listeners ask:
Is a 401k plan better than an IRA?
Why did we ignore this 10-year high-yielding CD?
Where should emergency funds be parked?
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Ep. 1243: Bleak Future for Gen X? Sep 05, 2023

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Is Generation X in retirement funding trouble? With few pensions, low savings, and small portfolios, will Gen X be able to retire comfortably? The listeners ask Don and Tom:
What do we think of "defined outcome" funds?
What is our opinion of 401k investment choices?
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Ep. 1242: Pre-Labor Day Q&A Sep 01, 2023

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In today's end-of-week edition of interaction between listeners and Don:
Would the tax savings from a deductible 401k beat the tax-free aspect of a Roth 401k?
Will savings be adequate to provide income while waiting until age 70 to take Social Security?
Amounts paid out-of-pocket – instead of an HSA – for medical expenses are eligible for early withdrawal.
Does it make sense for a couple with only one money-managing spouse to invest with an advisor?
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Ep. 1241: Too Large to be Small Aug 31, 2023

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If you want to overweight small cap stocks, be aware that small cap index funds are filling with larger sized securities. How can you make sure your small cap portfolio is actually small? Then, listeners ask:
Would it be better to dump this active Vanguard "fundle" to move to index funds?
Which CD is better: Pays interest at maturity, or pays interest monthly?
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Ep. 1240: Can You Bank On Riches? Aug 30, 2023

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Investing is risky. CDs are safe. So, why not put your money in the bank for ten years at high rates? Tom and Don debunk the popular myth that there is easy, safe money. Remember, the money media will tell you what you want to hear. Listeners want to know:
What do we think of a loaded, managed mutual fund portfolio?
What are our thoughts on bond fund durations, and what's a good time frame?
Does taking an extra risk with a retirement portfolio makes sense?
What's our opinion on Schwab's private client services?
How do fiduciary advisors get paid and how much?
What are advisors still recommending bond funds?
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Ep. 1239: Quacks Like a Commission Aug 29, 2023

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We discover that Vanguard charges fees to buy and sell some of their mutual funds. What's the difference between a transaction fee and a commission? Plus, are friends and family the best resource for fiduciary financial advice? What's the best way to find a great financial advisor? After Bob Barker's passing, Tom states, "The Price is Right." Then, we hear from some listeners:
Is FICA charged for income from retirement plan withdrawals?
Will a widow receive the whole capital gains tax exclusion on a primary home sale?
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Ep. 1238: Be a Famous "Stopped Clock" Aug 28, 2023

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Apparently, to become a famous market prognosticator, you only need one accurate guess. Tom and Don wonder why we still hang on the advice of those who rarely, if ever, make a correct guess about market direction. Then we hear from some of you:
Is my partner right to be concerned about my retirement portfolio?
Is is too late to fund a 529 for older kids?
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Ep. 1237: More Friday Questions Aug 25, 2023

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Here are today's questions:
Is a friend working with a good advisor?
What's the best way to move money from an appreciated mutual fund to a more tax-advantaged fund?
How does an organization determine the proper risk profile?
How can a a well-diversified ETF portfolio created?
At what age does a custodial IRA need to be turned over to a beneficiary in Washington?
How should an investment property be sold and the proceeds reinvested?
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