Talking Real Money - Investing Talk

Latest Episodes:

Ep. 1086: Their Best Advice? Jan 17, 2023

Show notes

The SEC claims that all "financial advisors" are supposed to act in your best interests and fully disclose any conflict of interest (including high fees, commissions, and expenses). Yet, high-cost, dangerous financial products are still being offered by the many billions of dollars. What can be done to protect you?
Merv from Denver is back to take Don to task for his "misleading" comments about cryptocurrencies. Surprise, he failed to change Don's mind. In fact, we have even more anti-crypto information.
Tangent: What's a Hokie?
Listeners ask:
Can he still make contributions in a Roth with a 401k?
How can massively appreciated stock be sold to avoid taxes?
When should money be withdrawn from retirement accounts?
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Ep. 1085: Dangerous Dreck Jan 16, 2023

Show notes

Stop deluding yourself. As much as you want them, there are no higher returning, lower risk investments. Yet, far too many investors are are falling prey to impossible promises from purveyors of high-priced, illiquid investments.
Do index-style funds need a track record? Plus, a group that once called index funds "Un-American" now touts it's market beating index fund portfolio.
Is Tesla really worth the combined value of almost every other car maker combined?
We also hear from listeners:
Is it better to invest all at once or slowly average in?
How much is needed in an emergency fund and should money g o into a Roth or I-Bonds?
Where should short-term money be kept?
Is there any need to diversify among fund groups or brokerage firms?
What percentage of a total portfolio should be allocated among various asset classes?
On what fund was Tom's small-cap value return based?
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Ep. 1084: Your Lucky Q&A Day Jan 13, 2023

Show notes

This Friday the 13th is your lucky day as Don answers some important questions that could help you build wealth better:
How much can an employee contribute to a 403b?
Can money in 529 education plans be rolled over into a Roth IRA?
What should be done with some extra monthly investing money?
Now that Vestory is part of Apella Wealth, what's changed?
Should funds in an IRA be moved from Vanguard mutual funds to ETFs?
What are the best fund to use in a qualified plan to match personal risk tolerance?
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Ep. 1083: Your Advisor Expectations Jan 12, 2023

Show notes

Today, Tom and Don share what they believe those who provide financial and investing advice should do for you, their clients. Plus, we hear from two listeners asking:
Does his strategy get around wash sale rules for tax losses?
Will the Treasury be sending annual 1099s for I-Bonds?
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Ep. 1082: Magical Thinking? Jan 11, 2023

Show notes

A few mutual funds turned a profit in 2022. Are the managers magicians? Investors need to face reality. No one has a secret (legal) way to make you lots of money in good markets and lose you nothing when they turn bad.
Plus, a listener wants to know the best way to build the best portfolio in his 401k?
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Ep. 1081: Higher Yields Help Jan 10, 2023

Show notes

The demise of the 60/40 portfolio appears to have been short-lived as sharply higher rates on bonds have lifted the returns for the 40% invested in fixed income funds and ETFs.
Listeners want to know:
What happened to Vestory?
Which is better mutual funds or ETFs?
How can a value tilt be added to portfolio?
Can a tax loss be taken now for last year?
Would taking a tax loss on VTWAX and immediately investing in VT invoke wash-sale rule?
What's our opinion of high-yield savings accounts?
Are Northern Trust funds good investments?
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Ep. 1080: Madoff Lessons Jan 09, 2023

Show notes

Have we already forgotten the lessons imparted by the 40-year Madoff scheme that collapsed in 2008? We revisit the unbelieveable story of the biggest investor robbery in history as a new Bernie Madoff documentary airs on Netflix.
Plus, we hear from listeners:
Should investment changes be made in a 529 plan?
How is the impact of a existing IRA on a backdoor Roth?
What is our opinion of a covered call writing fund?
Then, we go on to explain what covered call writing is and how it works.
What is a backdoor Roth?
Is her firm a high-fee advisor?
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Ep. 1079: Friday Questions Return Jan 06, 2023

Show notes

After being away for two holiday Fridays, Don is catching up on your questions (and comments):
Invest or pay off mortgage?
Thanks for helping a friend.
Looking for a good financial charity.
Will crypto trading hurt Fidelity?
Why does a bank pay its customers far less interest on CDs?
Do we suggest more bonds in a portfolio?
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Ep. 1078: Don't Get Burned Jan 05, 2023

Show notes

What's hot eventually cools and you will never see it coming. Discover why you need to avoid hot investments and sectors.
Then Tom crams in a bunch of questions:
Does it make sense to reduce qualified retirement account contributions?
How soon can I-Bonds be purchased in the new year?
What are the possible issues with moving a from TD Ameritrade?
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Ep. 1077: Bad Markets Bring Worse Investments Jan 04, 2023

Show notes

After a year in which most securities took a beating, the "no-risk" investment touting free steak dinner offers should soon be filling mailboxes across the country. Don't let your emotion drive you to make foolish decisions.
Then, listeners chime in:
Have they picked a reasonable ETF allocation for an IRA?
What does Don think of his 403b investment options?
Does this five-year fixed annuity make sense?
Which accounting method should be used for selling securities?
What is the best withdrawal strategy to spend most of his money?
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