Talking Real Money - Investing Talk

Latest Episodes:

Ep. 1056: Corrupting Bonuses Nov 28, 2022

Show notes

If bonuses could cause a large group of Wells Fargo employees to cheat, why impact might large comissions have on financial "advice?"
Plus a couple of questions:
Can I change my Roth back to a regular IRA and take a tax loss?
Should I consider the new indexed annuity in my compnay's 401k?
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Ep. 1055: Risky Financial Education Nov 23, 2022

Show notes

We recently heard about a non-profit financial education organization, F3E (or Foundation for Financial Education) which claims to provide an unbiased fiscal education. After further review, we found some glaring problems with those who provide this "education." They all appear to be selling insurance products.
Plus, a listener wonders if Securities America is a legitimate custodian.
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Ep. 1054: Gold IRA Issues Nov 22, 2022

Show notes

Why would a CBS News reporter tout gold IRAs? Don explains why buying gold in your retirement account is a terrible idea. Plus, he explains what is wrong with most financial advice and why it continues to be so bad. Then, our last caller proves Don's point while trying to to call him out.
Your questions:
What is wrong with ESG investing?
Does it make sense to slowly move an IRA to a Roth?
A former crypto gambler looks for a way to invest kid's gifts.
An the insurance salesman's response to Don's rant.
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Ep. 1053: Wrong Retirement Time? Nov 21, 2022

Show notes

As Tom gets ready to travel to Qatar, we consider the opinion of some that a fallen market makes for a dangerous retirement. Plus, we wonder why so many are scared of "the market." What is "the market," really?
Then on to listener questions:
Is there a proper order to move asset classes to a Roth?
How can a young worker invest for the lowest tax liability?
Should a house-flipper own investment property in retirement?
What's the best way to give money to kids?
Can a recharacterized Roth be "backdoored" into another Roth?
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Ep. 1052: Q&A: CD Day Nov 18, 2022

Show notes

On this pre-holiday Q&A session listeners want to know:
If a pension counts as a fixed-income portfolio?
From where should retirement income be drawn first?
What's the best place to invest for no risk whatsoever?
That we understood he wasn't throwing Paul Merriman under the bus?
Is it okay to use brokered CDs?
What do we think of Betterment?
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Ep. 1051: More Crypto Cheats Nov 17, 2022

Show notes

Another large cryptocurrency exchange, FTX, collapses and even some crypto advocates are having second thoughts about the viability of this possible mega-scam.
Plus, a listener asks of Social Security income can somehow be incorporated into a portfolio as a fixed-income investment?
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Ep. 1050: 60/40 Will Never Die Nov 16, 2022

Show notes

Every so often, someone tries to make news by declaring a typical balanced portfolio (60% stocks, 40% fixed income) deceased. While a 60/40 portfolio is not the universal answer, creating a properly diversified portfolio for your personal situation should be immortal.
Plus, a listener asks why managed international funds outperform index funds? (spoiler: they don't)
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Ep. 1049: Insulting Prices Nov 15, 2022

Show notes

How much is your house really worth? How much is anything worth? One real estate firm decided to stop buying houses because they feared insulting sellers. Tom and Don explain the realities of asset prices.
Then, we take listeners questions:
Where should an estate executor invest money?
How can a lump sum payout stay tax-deferred?
From Ireland: Why have we stopped talking about VT?
Why do some active funds beat the market even though they cost more?
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Ep. 1048: Feeling Any Better? Nov 14, 2022

Show notes

After a dreadful three quarters, the stock market soared recently. We discuss which asset classes fared best this year. Then we take lots of questions:
What's the best strategy for retiring early and delaying Social Security?
After getting out of the market early this year, when should he get back in?
Where should a teenager's earnings be invested?
What should be done with a chunk of cash?
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Ep. 1047: Quality Qs Nov 11, 2022

Show notes

Another Friday means more of your questions and Don's answers:
Should an old Empower managed 401k be moved to IRA?
How is a pension added to retirement calculation?
Should a Thrivent fund be moved to a low-cost index fund?
Where is our live video show?
What can be done with an extra $4.37 left in old IRA?
If Jeff Bezos invested everything in the total stock market what would happen?
Is the 4% Rule just a ruse to help financial advisors?
Should 403b money be transferred into an indexed annuity?
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