Talking Real Money - Investing Talk

Latest Episodes:

Ep. 1226: Are Homes Too Expensive? Aug 10, 2023

Show notes

Don is back from vacation while Tom is well into vacation and yet they managed to get together to discuss the relative unaffordability of single family homes. Are homes more expensive than ever? Plus, homeowners are borrowing record amounts of equity from their homes. Then we hear from listeners:
How can I essentially gamble with my retirement money in penny stocks and IPOs?
On track for an early retirement at age 55?
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Ep. 1225: Cash Is King? Aug 09, 2023

Show notes

Don is still away, but will be back soon. In the meantime: Who needs those risky stocks? A brilliant 25-year claims to have discovered the incredible power of nice, safe CDs and savings. How and how much should be invested in cash versus stocks and other investments?
Then, our listeners want to know:
What should be done with an annuity in a retirement plan?
Does it makes sense to move money from one annuity to another?
What is a qualified annuity trust?
Can an IRA be given to a charity avoiding taxation on distributions?
What's the best way to generate retirement income to delay Social Security?
Does a QCD avoid taxes on an RMD?
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Ep. 1224: Moody Money Movements Aug 08, 2023

Show notes

After a technical problem bringing Don in live from Copenhagen, Tom carries on with Apella advisor, Derek Jobe and talks about our need to always be doing something with money. How much money do you need to retire comfortably? Listeners ask:
Does it make sense to move from from bond funds to CDs?
Should money be taken from a retirement plan and moved into annuities?
What can be done to make long-term care insurance more understandable?
How can it be determined when to take Social Security?
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Ep. 1223: Answers from Denmark Aug 04, 2023

Show notes

Don answers listeners questions while sitting on the 10th floor of the Copenhagen Marriott (check the cover art for his view):
Is there a better way to create a balanced 60/40 portfolio than Fidelity Balanced fund
How to allocate any international portfolio between two American funds?
What's the best way to transfer a 403b annuity to Fidelity?
Is it better to overfund retirement early or low down to keep getting the employer match?
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Ep. 1222: The Social Security Game Aug 03, 2023

Show notes

What do you know about Social Security. Join us for an exciting game that will help you learn more about most American's primary source of retirement income. Plus, we take some questions:
What's the best investment for a 529 education plan?
What are the costs for buying and selling brokered CDs?
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Ep. 1221: More Income, Guaranteed Aug 02, 2023

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While "Waiting for Godot" (an obscure theatrical reference for many) ending up being a waste of time, waiting for Social Security could be very lucrative. Yet, few people manage to hold off until age 70. With Don in Copenhagen, Tom and Paul Merriman discuss this simple yet valuable strategy for enjoying more income in retirement.
Then on to your questions:
Paul is asked to elaborate on Christine Benz's 3 bucket strategy.
With rates up, should bond money be moved to CDs?
Is it reasonable to pay an investment advisor 1% per year?
What should be done with an inherited IRA at Edward Jones?
What's the best way to catch up on retirement investing later in life?
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Ep. 1220: Wrong Time for Risk? Aug 01, 2023

Show notes

Don is still lounging around the North Sea (and editing this podcast). So, Tom in joined by Paul Merriman. The S&P 500 has soared 20% so far this year and now that "the market" (has been) "is" up, investors are feeling frisky. So, is it time to dive back into the equity pool.
Paul discusses the number one reason to buy index funds and why you should buy when the market is down. He also talks about using target-date funds in conjunction with a small-cap value offering.
Callers ask:
What should a son do with money in his IRA?
Does is makes sense to buy shares of stock in the Atlanta Braves?
Is there a downside to having everything invested with one custodian?
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Ep. 1219: Icelandic Q&A Jul 28, 2023

Show notes

Don's on his summer cruise, freezing in Iceland, and answering questions:
Does a portfolio of specific date bond ETFs make sense?
Should a 28-year old retirement investor use target-date funds or AVGE?
How much is needed to become our client?
Should retirement money be invested in Schwab Intelligent Portfolios?
With today's high yields do CDs have a place in a retirement portfolio?
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Ep. 1218: SPAC'd Out Jul 27, 2023

Show notes

They gave you the chance to get in on the ground floor of hot new businesses. Special purpose acquisition companies or SPACs were hot "investments" not too long ago. So, what happened?
Then, on to questions from listeners:
A military member looks for advice on TSP portfolio and wants advice on money in cash accounts.
What's a good three fund strategy for TSP investments?
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Ep. 1217: Major Money Mistakes Jul 26, 2023

Show notes

While Don sails across the North Atlantic, Tom mans the podcast and discusses overrated financial concepts and how you deal with money.
Then come the callers:
Does it makes sense to have both a 401k and a Roth IRA and what are the differences?
Have we forgotten about the less tangible aspects of a paid-off mortgage?
What’s the best way to convert a regular IRA to Roth IRA?
Is a Roth 457 better?
What’s the best way to avoid the high fees at Empower?
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