The Phil Ferguson Show

Latest Episodes:

561 bonds - market risk - Home loan update Oct 10, 2026

Show notes

Discussion on bond performance over the last 12 months. Review of the connection between bond returns and changes in interest rates. And, why have long bonds done so poorly.
Four and a half years ago, I bought a home in Florida for all cash. I then got an 80% loan and invested the money in the market. Numbers on performance for that investment and what I am doing next.
Discussion of market trade offs. More stocks means better returns in the long run (10 years plus). However, this can cause more volitility in the short run (Less than 10 years). When building a plan for retirement you need to think about long term returns, you concern over market drops and how much cash you need in retirement.
Update on our recent trip to Colorado!

560 Delay Social Security? - Vanguard Proxy ESG - Roth Conversion Sep 25, 2026

Show notes

Discussion on the pros and cons of delaying Social Security until the age of 70. Also, when should you start taking money out of IRAs and should you do ROTH conversions.
Vanguard Proxy ESG assignment. What does it mean and what should you do about it?
Review of my recent trip to Italy. I'm now swithing from Studying Italian to Spanish.

559 The Bible: Written by boys - Fisher - Super Shitty Fund Sep 03, 2026

Show notes

Interview with Karis Burkowski and David Fitzgerald. Their new book is "Clearly Written by Boys - A Woman's Guid to the Bible". The book reviews 5 of the most famous women in the bible. Deep dive in how the bible was written and modified over time to make women look dirty, weak, stupid and Evil. The book goes over those stories and many other problems with the bible.
Also: Discussion on Fisher Investments
and...
A Super Shitty Fund

558 Eugenie C. Scott - investment scams Aug 27, 2026

Show notes

Interview with Eugenie C. Scott she is the retired Executive Director of the National Center for Science Education. We discuss scams with family members and what you can do to help.
Also....

Follow up thoughts on BAHACon
Jury Duty
Rebalancing your portfolio
Account transfer scam alert.

557 Thom Hartmann - Who Killed the American Dream Aug 13, 2026

Show notes

Interview with Thom Hartmann. His newest book is "Who Killed the American Dream? The Greatest Political Crime Ever Told". The detailed story of how companies have been fighting for Constitutional Rights for themselves and weakening the same right for actual people.
Also, A catholic bond fund. They only pick bonds that meet catholic values - what ever that means.

556 Noah Lugeons (The Scathing Atheist) talks about the Ark Park Protest Jul 29, 2026

Show notes

Interview with Noah Lugeons about his recent talk and participation at the 10th annual Ark Park protest. (also known as the genocide and incest park).
Investing Skeptically: Bonds! Are they magic?

555 - Dave Ramsey 8% rule - college 529 plans & 530A kids savings account Jul 15, 2026

Show notes

Discussion of Dave Ramsey's 8% rule. He does not understand basic manth or variability.
Also,
Should you help your kids with 529 (college plans) or 530A (child savings accounts).

554 2026 first half market update and performance numbers Jul 05, 2026

Show notes

2026 first half market performance update. How did stocks and bonds do in the first 6 months of 2026?
Ideas for new investors.
The 4 books that I recommend you read.
EV charging information

553 Reflecting pool - SpaceX 2 - CSICON - Returns Vs Price Change Jun 18, 2026

Show notes

Will SpaceX crush your index funds?
Discussion on the green reflecting pool
Returns vs. Price Changes
Follow up on CSICON
Discussion on a 2,000 mile drive in the 2025 ioniq 5

552 Variable Annuity - expense ratios - CSI CON - Ioniq 9 Jun 05, 2026

Show notes

Another example of the problems with Annuities.
Is it OK to pay higher fund expense ratios for higher returns
Laura Pausini concert in Orland
Ioniq 9 and some EV news
Still time to go to CSI Con in New York

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