Talking Real Money

By Don McDonald, Tom Cock

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Description

30-year financial talk radio veteran, Don McDonald and former host of Serious Money on PBS, Tom Cock, reunite on a weekly call-in program talking about real money issues. Each week they solve real money problems, dole out real investing (not speculating) advice, and really explain the financial issues that effect all of us. It's a show designed to provide the real help we all need to enjoy a really great future. Call in your questions anytime at 855-935-TALK (8255).

Episode Date
Worry Free Investing
00:51:48
  • Confusing predictions, investment knowledge, and pornography.
  • Making investments that you do not have to watch every day.
  • Knowing your risk tolerance and then acting in accordance with it.
  • Picking which Vanguard index fund to utilize to suit your needs.
  • Further considerations about GET and Utah Plans. 
  • The two things that parents should be thinking about when securing their children’s futures. 
  • The vital importance of education as an investment.
  • Why some advisors are somehow insisting their clients want to pay more!
  • Avoiding the obfuscation that many advisor firms employ. 
  • John Thain’s contentious side table.

Money Thirty Podcast — https://www.moneythirty.com/

Real Investing Journal — https://www.realinvestingjournal.com/

Vestory — https://vestory.com/

401411 — http://www.401411.com/

Vanguard — https://investor.vanguard.com

Retirement Freedom Kirkland — http://www.talkingrealmoney.com/new-events/2018/5/23/retirement-freedom-kirkland

Rick Gregorek — http://yourpartnerinlaw.com/

Financial Fysicshttps://www.amazon.com/Financial-Fysics-Money-Investing-Really/dp/1453898557

Amazon — https://www.amazon.com/

David Letterman — https://www.theguardian.com/media/david-letterman

Morningstar — https://www.morningstar.com/

The Great Bull Market That Everybody Missed — https://www.morningstar.com/articles/869684/the-great-bull-market-that-everybody-missed.html

Paul Merriman — https://paulmerriman.com/

My529 — https://my529.org/

DreamAhead — https://www.get.wa.gov/savings-plan

Age-Based Aggressive Global — https://my529.org/age-based-aggressive-global/

GoFundMe — https://www.gofundme.com/

Mel Gibson — https://www.imdb.com/name/nm0000154/

Merrill Lynch — https://www.ml.com/

Wall Street Journal — https://www.wsj.com/

Morgan Stanley — https://www.morganstanley.com/

John Thain — https://news.efinancialcareers.com/za-en/312153/john-thain-deutsche-bank

 

Jun 22, 2018
More Ways to Save
00:37:11
  • Preparing for retirement on a teacher’s salary.
  • Using a trust to secure an estate inheritance.
  • Roth IRAs and saving agreements with children.
  • Why individual stocks are gambles, not investments.
  • Pros and cons of investing with Acorns.
  • Acorns’ ‘Found Money’ and how it works.
  • 529 College Plans and where to best place your money.
  • Some more ideas for ensuring a safe trust for your kids. 
  • Questions to ask before parking money from a real estate sale

Money Thirty Podcast — https://www.moneythirty.com/

Real Investing Journal — https://www.realinvestingjournal.com/

Vestory — https://vestory.com/

401411 — http://www.401411.com/

Vanguard — https://investor.vanguard.com

Financial Fysicshttps://www.amazon.com/Financial-Fysics-Money-Investing-Really/dp/1453898557

Retirement Freedom Kirkland — http://www.talkingrealmoney.com/new-events/2018/5/23/retirement-freedom-kirkland

Rick Gregorek — http://yourpartnerinlaw.com/

Dow Jones Industrial Average — https://www.marketwatch.com/investing/index/djia

Apple — https://www.apple.com/

Boeing — https://www.boeing.com/

Acorns — https://www.acorns.com/

Lyft — https://www.lyft.com/

Wall Street Journal — https://www.wsj.com/

Walmart — https://www.walmart.com/

DreamAhead Plan — https://www.get.wa.gov/savings-plan

Utah 529 Plan — https://my529.org/

Bankrate — https://www.bankrate.com/

Jun 21, 2018
Time for a Hat
00:36:51
  • Why Don has no qualms about taking down investment charlatans.
  • The increase in index fund investment over the last two decades.
  • Common questions that Tom encounters from clients who have been swindled.
  • Knowing your money’s purpose before making any kind of investments.
  • Creating a savings habit from a young age. 
  • Don’s idea to send the SEC some hats to improve their practices.
  • Figuring out if your investment plan is too conservative.
  • The differences between a money market account and a money market fund.

Money Thirty Podcast — https://www.moneythirty.com/

Real Investing Journal — https://www.realinvestingjournal.com/

Vestory — https://vestory.com/

401411 — http://www.401411.com/

Vanguard — https://investor.vanguard.com

Wall Street Journal — https://www.wsj.com/

Billions — https://www.imdb.com/title/tt4270492/

Andrew Ross Sorkin — https://www.nytimes.com/by/andrew-ross-sorkin

Bobby Axelrod — http://billions.wikia.com/wiki/Bobby_Axelrod

The Americans — https://www.imdb.com/title/tt2149175/

The West Wing — https://www.imdb.com/title/tt0200276/

Happy Days — https://www.imdb.com/title/tt0070992/

Yes — http://yesworld.com/

Incredibles 2 — https://www.imdb.com/title/tt3606756/

Financial Fysics — https://www.amazon.com/Financial-Fysics-Money-Investing-Really/dp/1453898557

SEC — https://www.sec.gov/

Bankrate — https://www.bankrate.com/

Northpointe Bank — https://www.northpointe.com/

Jun 20, 2018
Our Own Worst Enemy
00:51:40
  • Surrender charges and their vague justifications.
  • Free meals and the associated sales pitches.
  • The different formats on which Talking Real Money is available. 
  • Overconfidence and the behavioral biases around investing. 
  • Pattern recognition and its evolutionary roots. 
  • Recency bias and the psychological after effects of the 2008 market crash. 
  • A host of other biases that affect our investment choices.  
  • Some of the recent news from the world’s most famous investors.

Money Thirty Podcast — https://www.moneythirty.com/

Real Investing Journal — https://www.realinvestingjournal.com/

Vestory — https://vestory.com/

401411 — http://www.401411.com/

Vanguard — https://investor.vanguard.com

The Americans TV Show — https://www.imdb.com/title/tt2149175/

Charlies Steak House Florida — https://www.tripadvisor.co.za/Restaurant_Review-g34515-d456639-Reviews-Charley_s_Steak_House-Orlando_Florida.html

Andersonville — https://www.history.com/topics/american-civil-war/andersonville

S&P 500 — https://www.marketwatch.com/investing/index/spx

Money Magazine — http://time.com/money/

Investor’s Business Daily — https://www.investors.com/

Blackberry — https://us.blackberry.com/

Apple — https://www.apple.com/

Jason Zweig — http://jasonzweig.com/

Warren Buffett — https://www.investopedia.com/university/warren-buffett-biography/warren-buffett-success-story.asp

John Bogle — https://www.marketwatch.com/story/this-is-jack-bogles-strategy-to-avoid-disappointing-vanguard-investors-2017-07-20

Burton Malkiel — https://www.nytimes.com/2017/06/22/business/burton-malkiel-investment-stock-index-funds.html

Jun 15, 2018
Kid's Money Lessons
00:37:22
  • Who should you ask your for investment advice?
  • Managing a tricky annuity alongside an IRA.
  • Researching the current value of the New York 529 Plan. 
  • When to pick up brokerage CDs. 
  • Understanding stock market reports and what rises and falls are compared to.
  • The worst lesson anyone can take when it comes to money. 
  • Why learning about money is important from an early age. 
  • The drawbacks of teaching kids about money too early.

Money Thirty Podcast — https://www.moneythirty.com/

Real Investing Journal — https://www.realinvestingjournal.com/

Vestory — https://vestory.com/

401411 — http://www.401411.com/

Vanguard — https://investor.vanguard.com

SEC — https://www.sec.gov/

KC and the Sunshine Band — http://www.heykcsb.com/

Anthony Bourdain — http://www.anthonybourdain.net/

New York 529 Plan — https://www.nysaves.org/

DreamAhead Plan — https://www.get.wa.gov/savings-plan

Olympia Beer — http://olympia-beer.com/

Bankrate — https://www.bankrate.com/

Bellevue Event — http://www.talkingrealmoney.com/new-events/2016/6/3/lunched-the-science-of-retirement-investing-portland

Dow Jones Industrial Average — https://www.marketwatch.com/investing/index/djia

Acorns — https://www.acorns.com/ 

Whiz Biz Kids — http://whizbizkids.com/

Camp Millionaire — http://www.creativewealthintl.org/campmillionaire.php

Robert Kiyosaki — https://richdadeducation.com/us/FreeWorkshop/?vsid=30d26bd6-586e-e811-93fe-a0369f1303c6

Blackstone — https://www.blackstone.com/

Jun 14, 2018
It's Just Capitalism?
00:35:49

Don’s beef with most of the people, not all of the people, who sell financial services is that they don’t regularly tell the truth, the whole truth and nothing but the truth. The reason being, that they are paid to obfuscate. In this episode, Tom and Don discuss the misleading nature of many of the sales pitches out there today. The phrase, “It’s just capitalism,” so often heard when it comes to shady business dealings, is just no excuse! By the end of this episode, you’ll have some helpful tools in your pocket to help you find out whether you are being bamboozled by your brokers.

  • Misleading financial services sales pitches.
  • Equity index annuities: Are they really that great?
  • Why you need to be aware of surrender charges.
  • Helpful tricks to find out whether you are being bamboozled.
  • Should financial decisions be based on the concept of caveat emptor?
  • Why the phrase “It’s just capitalism” is not excusable.
  • Somebody shouldn’t have to win, somebody shouldn’t have to lose.
  • Tom and Don’s beef with bank brokers and wealth managers.
  • More insights on the 529 GET Plan and DreamAhead program.

Vestory — https://vestory.com/

401411 — http://www.401411.com/

Vanguard — https://investor.vanguard.com

Caveat Emptor – https://consumer.findlaw.com/consumer-transactions/what-does-caveat-emptor-mean-.html

Tom Cock – https://www.linkedin.com/in/tom-cock-846234b/

Bank Rate – https://www.bankrate.com/

CNL Bank – http://www.usbanklocations.com/cnlbank-34427.shtml

DreamAhead Plan — https://www.get.wa.gov/savings-plan

529 GET Plan – https://www.get.wa.gov/

Jun 13, 2018
Educational Dream
00:51:41
  • Learn more about Washington State’s Dream Ahead plan.
  • Why we’re not gigantic fans of the 529 because of asset allocation.
  • Hear our “secret” plan for The Dream Ahead stock portfolio.
  • Learn more about the State’s TAP Annuity plan. Is it worth it?
  • Why hedge funds dramatically underperform on average.
  • Why the bane of the financial services industry is the concept of dual registration.
  • Why Wall Street does not want to disclose their conflicts of interest.
  • Discover why it’s easier for financial service providers to outright lie.
  • Fake news, fake corporations, fake scams, and fake people.
  • How Bill ‘Bond King’ Gross lost 21 million dollars of his own money.
  • Find out more about PIMCO’s Total Return fund.
  • An update on Bitcoin mining.

Money Thirty Podcast — https://www.moneythirty.com/

Real Investing Journal — https://www.realinvestingjournal.com/

Vestory — https://vestory.com/

401411 — http://www.401411.com/

Vanguard — https://investor.vanguard.com

Money Magazine — http://time.com/money/

Better Retirement Guidebook — https://www.retirebetterbook.com/

The Dream Ahead Plan – https://www.dreamahead.wa.gov/

Dream Ahead 529 Is A Better College-Savings Plan Than GEThttps://www.seattletimes.com/opinion/dreamahead-529-is-a-better-college-savings-plan-than-get/

Westworld on HBO – https://www.hbo.com/westworld

Uesp.org – https://my529.org/

The TAP Annuity – http://www.merriman.com/wealth-enhancement/how-the-tap-annuity-works-for-washington-state-employees/

Bill Gross’s Janus Unconstrained Bond Fund Drops Sharply – https://www.wsj.com/articles/bill-grosss-janus-unconstrained-bond-fund-drops-sharply-1527688629

PIMCO – https://www.pimco.com/en-us/?showSplash=1

C-Share – https://www.investopedia.com/terms/c/cshare.asp

Verizon – https://www.verizon.com/home/verizonglobalhome/ghp_landing.aspx

Sprint – https://www.sprint.com/

Jun 07, 2018
Money Schooling
00:36:48
  • The lousy pay in teaching and education.
  • Looking at the DreamAhead College Investment Plan and its possibilities.
  • Comparing a Global REIT fund from Vanguard with bond funds.
  • The low-down on annuities and when to avoid them. 
  • Clarifying some points from the Washington GET College Fund. 
  • Preparing for a child’s college payments the smart way. 
  • Recapping the story from last week’s episode with Jordan Goodman. 

Money Thirty Podcast — https://www.moneythirty.com/

Real Investing Journal — https://www.realinvestingjournal.com/

Vestory — https://vestory.com/

401411 — http://www.401411.com/

Vanguard — https://investor.vanguard.com

Washington State University — https://wsu.edu/

529 Plan — https://www.sec.gov/reportspubs/investor-publications/investorpubsintro529htm.html

DreamAhead Plan — https://www.get.wa.gov/savings-plan

Retirement Planning Today — https://www.campusce.net/everett/Course/Course.aspx?c=157

Fidelity — https://www.fidelity.com/

Jordan E. Goodman — https://www.moneyanswers.com/

SEC — https://www.sec.gov/

Jun 06, 2018
The Naked Bond King
00:37:30
  • Bill Gross and the so-called ‘Bond King's’ epic fail!
  • Finding and budgeting for a true fiduciary advisor.
  • Why a long term perspective is indispensable to successful investing. 
  • The study that shows why it is better to hold off on Social Security.
  • What is AAII’s shadow stock portfolio?

Money Thirty Podcast — https://www.moneythirty.com/

Real Investing Journal — https://www.realinvestingjournal.com/

Vestory — https://vestory.com/

401411 — http://www.401411.com/

Vanguard — https://investor.vanguard.com

Bill Gross — https://www.reuters.com/article/us-funds-janushenderson-gross/bill-gross-janus-unconstrained-bond-fund-drops-to-last-in-peer-group-idUSKCN1IV27V

Pimco — https://global.pimco.com/en-gbl

Janus Henderson — https://en-us.janushenderson.com/institutional/make-money/

Nuveen — https://www.nuveen.com/home

Trump — https://www.donaldjtrump.com/

Dimensional — https://us.dimensional.com/

George Mason University — https://www2.gmu.edu/

The Power of Working Longer — http://www.nber.org/papers/w24226

AAII — http://www.aaii.com/

Jason Zweig — http://jasonzweig.com/

CDI Corp — https://www.cdicorp.com/

Salem Media Group — http://salemmedia.com/

Wall Street Journal — https://www.wsj.com

Mark Holbert — https://www.raymondjames.com/holbert/about-us/bio?_=Mark.Holbert

S&P 500 — http://money.cnn.com/data/markets/sandp/

Eric Tyson — https://erictyson.com/

Investing for Dummies — https://www.amazon.com/Investing-Dummies-Eric-Tyson/dp/1119293340

Jun 05, 2018
Advice Gone Bad
00:51:40

In this episode we talk with former Money magazine reporter Jordan Goodman about recommendation of the alleged Woodbridge Wealth Ponzi scheme and his advice for investors going forward. Apparently, he failed to learn his lesson from his last failed promotion. 

  • Special guest, Jordan Goodman
  • The risk of the stock market versus the safety of a bank. 
  • Jordan’s take on the SEC complaint against Woodbridge Wealth. 
  • Some self-serving “investing” advice from Jordan in the wake of the Woodbridge debacle. 
  • Don and Tom confronts Jordan on his endorsements and ethics.
  • The conflicted interests of many financial advisors.
  • The personal expenses of Robert Shapiro of Woodbridge Wealth.
Jun 01, 2018
Anecdote or Evidence?
00:37:38
  • How many Warren Buffet’s are really out there?
  • Learn more about Warren Buffets’ Berkshire Hathaway.
  • Berkshire Hathaway VS Vanguard Total Stock Market Index Fund.
  • The very big difference between anecdotes and evidence.
  • The problem with the majority of brokers / fiduciaries today. 
  • Dual-registered advisers and why you should be weary of them.
  • What to do if your advisor does not have your best interest at heart.
  • When to wear the “best interest” red hat and the “merely suitable” green hat.
  • A fictional view of the Hedge Fund industry and its charges. 
  • Can you really learn to effectively trade?
  • Learn more about the Peter Lynch method for investing.
  • Is buying shares in something like BlackBerry a good idea?

Money Thirty Podcast — https://www.moneythirty.com/

Real Investing Journal — https://www.realinvestingjournal.com/

Vestory — https://vestory.com/

401411 — http://www.401411.com/

Warren Buffet – https://www.forbes.com/profile/warren-buffett/

Berkshire Hathawayhttp://www.berkshirehathaway.com/

Inside Billionaire Steve Cohen’s Comebackhttp://fortune.com/steve-cohen-billionaire-point72-hedge-fund

Warren Buffett’s Berkshire Hathaway Had An Amazing 2017. 2018 Isn’t Looking Too Bad, Eitherhttps://www.washingtonpost.com/news/get-there/wp/2018/01/18/warren-buffetts-berkshire-hathaway-had-an-amazing-2017-2018-isnt-looking-too-bad-either/?noredirect=on&utm_term=.631aed853601

Vanguard Total Stock Market Index Fund – https://investor.vanguard.com/mutual-funds/profile/VTSAX

Tom Cock LinkedIn – https://www.linkedin.com/in/tom-cock-846234b/

The Deuce on HBO – https://www.hbo.com/the-deuce

The Peter Lynch Method – https://www.investopedia.com/articles/stocks/06/peterlynch.asp

May 31, 2018
No Magic Money
00:37:38
  • Big banks and their conscious-free approach to money.
  • One of the biggest challenges for Bank of America managers.
  • The substantial shift to passive investment strategies.
  • Is the best way to slow or reverse the ship by generating alpha?
  • Recommendations from Bank of America that investors can perform.
  • Return volatility and buying the riskier stocks.
  • Stock Picker’s Paradise: Is that a real place or just a song?
  • Why Bank of America wants you to “Take the road less travelled.”
  • Extend your time horizon: Why short-term trading hurts returns.
  • Do active managers do well in down markets?
  • Find out why having one retirement fund makes sense.
  • A look at the stats: How many traders really outperform?
  • Why we are yet to find a reliable track record of long-term performance.
  • Stock market investors versus gamblers.
  • Why Warren Buffet isn’t as good as you think.

Vestory — https://vestory.com/

National Association of Broadcasters – https://www.nab.org/

Bank of America – https://www.bankofamerica.com/

HSBC Bank – https://www.us.hsbc.com/

Dirty Money – https://www.imdb.com/title/tt7889220/

Savita Subramanian – https://www.linkedin.com/in/savita-subramanian-87034/

Merril Lynch – https://www.ml.com/

Morgan Stanley – http://www.morganstanley.com/

Bank Of America Outlines Tips Investors Can Use To Beat The Markethttps://www.cnbc.com/2018/05/25/to-beat-the-market-bank-of-america-outlines-these-tips-for-investors.html

Money Thirty Podcast — https://www.moneythirty.com/

Warren Buffet – https://www.forbes.com/profile/warren-buffett/

Fama & French – https://www.investopedia.com/terms/f/famaandfrenchthreefactormodel.asp

Vanguard — https://investor.vanguard.com

Real Investing Journal — https://www.realinvestingjournal.com/

The Secret to Beating the Stock Market, According to Vanguard Experts – http://time.com/money/4683900/vanguard-active-funds-beat-the-market-index-funds/

May 30, 2018
Gold's Empty Promise
00:51:39

In this episode of the podcast we are steering you away from the troubled waters of shady advisors and bad investments. Don and Tom take a few calls about correcting your investment path, the reality of gold and precious metal investments.. The duo also discuss the state of Seattle’s pension fund, Don’s book, and bitcoin. The episode finishes off with an invite to their next event, The Science of Retirement Investing, which is happening in June and will, like this show, help you prepare for a financially secure future.

  • The recent Seattle City pension fund debacle.
  • Don and Tom’s free advice for those in charge of pensions in Seattle.
  • How to get ahold of Don’s book, Financial Fysics
  • The continuation of Mary’s question from the last episode. 
  • Finding the right advisor for your needs and comfortability.  
  • The danger of precious metal investments.
  • What in the world is bitcoin art?
  • Mining asteroids for gold and other minerals!
  • More flimsy cryptocurrency options that you should ignore. 
  • Some information on the upcoming Science of Retirement Investing lunch. 
  • A quick look at bitcoin’s recent chart.

Money Thirty Podcast — https://www.moneythirty.com/

Real Investing Journal — https://www.realinvestingjournal.com/

Vestory — https://vestory.com/

401411 — http://www.401411.com/

Vanguard — https://investor.vanguard.com

Financial Fysicshttps://www.amazon.com/Financial-Fysics-Money-Investing-Really/dp/1453898557

Apple iBook Store — https://itunes.apple.com/us/app/ibooks/id364709193?mt=8

The Seattle Times — https://www.seattletimes.com/

Seattle Pension Fund Phone Number — 206-386-1293

Apple Hospitality REIT — http://applehospitalityreit.com/

DFAUS — https://us.dimensional.com/

Angus Maddison — https://www.rug.nl/ggdc/historicaldevelopment/maddison/?lang=en

Jeff Bezos — https://www.forbes.com/forbes/welcome/?toURL=https://www.forbes.com/profile/jeff-bezos/&refURL=https://www.google.co.za/&referrer=https://www.google.co.za/

Elon Musk — https://www.tesla.com/elon-musk

Pablo Escobar — https://www.biography.com/people/pablo-escobar-9542497

HoweyCoins — https://www.howeycoins.com/index.html

The Science of Retirement Investing — http://www.talkingrealmoney.com/new-events/2016/6/3/lunched-the-science-of-retirement-investing-portland

Billions TV Show — https://www.imdb.com/title/tt4270492/

May 25, 2018
It's the Tax Scam
00:37:24

In this episode of Talking Real Money our hosts take a look at some particularly tricky investment questions. Tom gives some advice on how to not get scammed by people claiming to be the IRS. We then look at short term plans, recent interest rates, college funds and dispel any myths around energy investments! Don helps answer a query about real estate and when to pivot from a your own personal investment strategy and why. We end off with a caller whose story reiterates our main point: only take advice from fee-only fiduciaries!

  • Tom’s ‘troubles’ with someone claiming to be ‘internal revenue service’.
  • Short term policies and why they are usually expensive. 
  • Interest rates and the recents rises this year. 
  • The GET Program and it’s utility in saving for your education. 
  • Comparing a savings account with a short term, bond investment fund. 
  • Why to stay away from energy partnerships!
  • Weighing the pros and cons of selling a rental property. 
  • Another story that illustrates why you need a fee-only fiduciary.
  • Switching strategies and manages your investment tactics. 

Money Thirty Podcast — https://www.moneythirty.com/

Real Investing Journal — https://www.realinvestingjournal.com/

Vestory — https://vestory.com/

401411 — http://www.401411.com/

Vanguard — https://investor.vanguard.com

GET Program — https://www.get.wa.gov/howgetworks

VOYA — https://www.voya.com/

Seattle Not Beating the Market? — http://www.talkingrealmoney.com/blog/2018/5/19/beating-the-market

SOAEX — http://www.morningstar.com/funds/xnas/soaex/quote.html

 

May 23, 2018
Being Actively Drained
00:36:52

In this episode our hosts advise you to stay away from actively managed funds! Don and Tom look at the recent Seattle pension debacle before looking at emerging market funds and which give the best returns. We also cover some questions on payouts, rollovers and how to view investment in your 20s. The episode finishes off with a reminder about how volatility relates to investment returns.

  • How to invest a company payout smartly.
  • Weighing up 401(k) and IRA accounts.
  • Rollovers and transfers in IRAs and how to do them safely.
  • When to move funds from a 401(k) to a Roth IRA for tax reasons.
  • Why younger investors should not focus on bonds.
  • The Seattle pension problem.
  • Comparing a few emerging market funds.
  • The correlation between volatility and returns.

Money Thirty Podcast — https://www.moneythirty.com/

Real Investing Journal — https://www.realinvestingjournal.com/

Vestory — https://vestory.com/

401411 — http://www.401411.com/

Vanguard — https://investor.vanguard.com

The Science of Retirement Investing — http://www.talkingrealmoney.com/new-events/2016/6/3/lunched-the-science-of-retirement-investing-portland

Retiremeet North — http://www.retiremeet.com/

Elon Musk — https://www.tesla.com/elon-musk

Seattle Pension Issue — https://www.seattletimes.com/seattle-news/seattles-retirement-fund-was-mismanaged-now-taxpayers-are-paying-the-price/

Kmart — http://www.kmart.com/

Sears Holdings — https://searsholdings.com/

Kenwood — http://www.kenwoodworld.com/

Royal Wedding — https://www.royal.uk/royalwedding

DFA Global Equity Portfolio — http://www.morningstar.com/funds/xnas/dgeix/quote.html

The Seattle Times — https://www.seattletimes.com/

Fidelity — https://www.fidelity.com/

American Funds — https://www.americanfunds.com/

T. Rowe Price — https://www3.troweprice.com/

Morningstar — http://www.morningstar.com/

 

May 22, 2018
Avoid Bad Advice
00:51:40

In this episode, Don and Tom want to keep you from falling victim to a Ponzi scheme or greedy stock brokers. Their advice: Stick to fee-only fiduciaries and keep those investments as diversified as possible. We look at how to check up on possible advisors using BrokerCheck, answer some questions on stable value funds and bonds indexes, look at the state of pensions in Seattle and advise that if you want to play the market you might as well head off to the casino.

  • The reason why people like Bernie Madoff are not more uncommon.
  • Using BrokerCheck to your investment advantage.
  • Do not get caught out by the multitude of Ponzi schemes out there.
  • A reminder about the Vestory risk quiz and how easy it is to take it.
  • Don looks back on his dark history as a broker.
  • Some traveling advice on shuttles from Don and his trip.
  • A strange similarity between index funds and Uber rides. 
  • The differences between a fee-only fiduciary and a stock broker. 
  • Choosing between a stable value fund and a bond index fund. 
  • Is there an alternative to equities?
  • Seattle’s pension problems and what this shows us. 
  • Why picking stocks is no better than going to the casinos. 
  • How to get ready for retirement the smart way. 

Money Thirty Podcast — https://www.moneythirty.com/

Real Investing Journal — https://www.realinvestingjournal.com/

Vestory — https://vestory.com/

401411 — http://www.401411.com/

Vanguard — https://investor.vanguard.com

The Science of Retirement Investing - http://www.talkingrealmoney.com/new-events/2016/6/3/lunched-the-science-of-retirement-investing-portland

Retiremeet North — http://www.retiremeet.com/

Johnny Cash — http://www.johnnycash.com/

Bernie Madoff — https://www.biography.com/people/bernard-madoff-466366

BrokerCheck — https://brokercheck.finra.org/

Knowles Systems — https://knowlessystem.com/

Charles Ponzi — http://mentalfloss.com/article/20377/who-was-ponzi-what-was-his-scheme

Ulysses S. Grant — https://www.biography.com/people/ulysses-s-grant-9318285

Emirates — https://www.emirates.com/

Uber — https://www.uber.com/

MarketWatch — https://www.marketwatch.com/

Alternative to Equities Article — https://www.marketwatch.com/story/theres-finally-an-alternative-to-equities-says-billionaire-fund-manager-2018-05-11

Seattle Times — https://www.seattletimes.com/

Seattle Times Pension Article — https://www.seattletimes.com/seattle-news/seattles-retirement-fund-was-mismanaged-now-taxpayers-are-paying-the-price/

May 18, 2018
Reasonable Returns?
00:36:50

In this episode, Don and Tom look at reasonable portfolio returns, the 2008 crash and, of course, cryptocurrency. The duo continue to explain the use of intermediate bond funds in getting your investments ready for retirement.

  • Returns on portfolios and weighing good percentages.
  • Why you can make more than 5% a year on a diversified portfolio.
  • The risk quiz and why everyone should take it.
  • Remembering the 2008 market crash and its legacy. 
  • Looking at how many times bitcoin has dropped a large percentage of its value. 
  • Intermediate bond funds and balancing your risk.
  • Estimating what you need so that you do not lose what you have.
  • Looking ahead to unencumbered finances after your dependents have graduated.

Money Thirty Podcast — https://www.moneythirty.com/

Real Investing Journal — https://www.realinvestingjournal.com/

Vestory — https://vestory.com/

401411 — http://www.401411.com/

Vanguard — https://investor.vanguard.com

Retiremeet North — http://www.retiremeet.com/

Bloomberg — https://www.bloomberg.com/

A Tweetstorm that Every Investor Should Read — https://www.bloomberg.com/view/articles/2018-05-11/a-tweetstorm-that-every-investor-should-read

S&P 500 — http://money.cnn.com/data/markets/sandp/

Warren Buffett — https://www.biography.com/people/warren-buffett-9230729

May 17, 2018
Special Investor?
00:36:38

Don't learn the hard way. There are no special investment for "special" people. Today on the show, Don and Tom help you to avoid falling victim to a Ponzi scheme or greedy stock brokers. We look at how to check up on possible advisors using BrokerCheck. Don and Tom answer some questions on stable value funds and bonds indexes, look at the state of pensions in Seattle and advise that if you want to play the market you might as well head off to the casino.

  • Some information on penguins and their swimming habits.
  • The reason why people like Bernie Madoff are not more uncommon.
  • Using BrokerCheck to your investment advantage.
  • Do not get caught out by the multitude of Ponzi schemes out there.
  • A reminder about the Vestory risk quiz and how easy it is to take it.
  • Don looks back on his dark history as a broker.
  • Some traveling advice on shuttles from Don and his trip.
  • A strange similarity between index funds and Uber rides. 
  • The differences between a fee-only fiduciary and a stock broker. 
  • Choosing between a stable value fund and a bond index fund. 
  • Is there an alternative to equities?
  • Seattle’s pension problems and what this shows us. 
  • Why picking stocks is no better than going to the casinos. 
  • How to get ready for retirement the smart way. 

Money Thirty Podcast — https://www.moneythirty.com/

Real Investing Journal — https://www.realinvestingjournal.com/

Vestory — https://vestory.com/

401411 — http://www.401411.com/

Vanguard — https://investor.vanguard.com

The Science of Retirement Investing - http://www.talkingrealmoney.com/new-events/2016/6/3/lunched-the-science-of-retirement-investing-portland

Retiremeet North — http://www.retiremeet.com/

Johnny Cash — http://www.johnnycash.com/

Bernie Madoff — https://www.biography.com/people/bernard-madoff-466366

BrokerCheck — https://brokercheck.finra.org/

Knowles Systems — https://knowlessystem.com/

Charles Ponzi — http://mentalfloss.com/article/20377/who-was-ponzi-what-was-his-scheme

Ulysses S. Grant — https://www.biography.com/people/ulysses-s-grant-9318285

Emirates — https://www.emirates.com/

Uber — https://www.uber.com/

MarketWatch — https://www.marketwatch.com/

Alternative to Equities Article — https://www.marketwatch.com/story/theres-finally-an-alternative-to-equities-says-billionaire-fund-manager-2018-05-11

Seattle Times — https://www.seattletimes.com/

Seattle Times Pension Article — https://www.seattletimes.com/seattle-news/seattles-retirement-fund-was-mismanaged-now-taxpayers-are-paying-the-price/

May 16, 2018
Retiremeet Q&A
00:57:23

This episode features a panel of experts from Retiremeet North, Harlan Accola from Fairway Mortgage, Rick Gregorek from Gregorek and Associates, Paul Merriman formerly of Merriman, Don McDonald, and Tom Cock.

  • The most difficult decisions we see people make as they get close to retirement.
  • Understanding the mental shift required to spend home equity.
  • Overcoming the fear of action and breaking free of planning paralysis.
  • How to end your reverse mortgage prior to selling your house.
  • The most common information a client omits/forgets to tell an advisor.
  • Learning to foresee potential problems that can arise when writing your will.
  • The best way to set up power of attorney with multiple agents. 
  • What you should be looking for when choosing a new financial advisor. 
  • Truly understanding the definition of a fiduciary relationship.
  • Utilizing real estate as part of your long-term strategy to build passive income. 
  • The difference between a reverse mortgage as a home equity and a regular home equity.
  • Incorporating Publicly traded Real Estate Investment Trust (REITs) in your portfolio.
  • Understanding sector funds and why it is an over-weighted, gamble of an investment.
  • The pros and cons of market cap-weighted index funds versus ones that are not.
  • Why artificially impoverishing yourself to get on Medicaid is a matter of ethics.
  • The best two-minute advice from our panelists to get prepared and ready for retirement.

Money Thirty Podcast — https://www.moneythirty.com/

Real Investing Journal — https://www.realinvestingjournal.com/

Vestory — https://vestory.com/

401411 — http://www.401411.com/

Retiremeet North — http://www.retiremeet.com/

Tom Cock — https://www.linkedin.com/in/tom-cock-846234b/ 

Harlan Accola — https://www.linkedin.com/in/harlan-j-accola-crmp-b6544819/ 

Fairway — http://fairwayreverse.com/

Rick Gregorek — https://www.linkedin.com/in/rick-gregorek-esq-86687513/ 

Gregorek and Associates — http://www.rjglegal.com/

Your Partner in Lawhttp://yourpartnerinlaw.com/ 

Paul Merriman — https://paulmerriman.com/

25 Things You Should Be Getting From Your Financial Advisorhttps://paulmerriman.com/25-things-getting-financial-advisor/ 

Get Smart Or Get Screwedhttps://www.amazon.com/Get-Smart-Screwed-Financial-Advisor/dp/1480179531 

Dimensional Fund Advisors — https://www.dimensional.com/ 

My Future Blueprint — http://www.myfutureblueprint.com/

May 12, 2018
Retiremeet Classes
00:37:08

This episode is the second part of live recording at the Retiremeet North Conference and on today’s roster of speakers we have Harlan Accola from Fairway and Rick Gregorek from Gregorek and Associates. Harlan is an expert author and advisor on reverse mortgages. He explains how to use these products and clear up all confusion about reverse mortgages. Rick covers the topics of estate planning, putting together a team of advisors, the different retirement plans you can choose from and he even quickly looks at Medicaid.

  • Introducing our first guest in today’s episode, Harlan Accola.
  • Common misconceptions about reverse mortgages.
  • Some information Harlan’s book on home equity and reverse mortgages.
  • When to stop putting your money into equity and why.
  • Why reverse mortgages are a part of a diversification strategy.
  • The worthlessness of equity when you go into retirement.
  • Why Harlan’s family distrusted his ideas on reverse mortgages. 
  • Introducing our second guest for today’s episode, attorney, Rick Gregorek. 
  • Rick’s professional background and the concepts he will covering today.
  • Integrated estate planning and the importance of compiling a team of advisors.
  • Comparing will based and trust based plans.
  • How Rick and his colleagues came up with their wealth plan system.  
  • Business tools for estate planning and what you can use to your advantage.
  • The subtle difficulties of dealing with Medicaid and health tools. 

Harlan Accola on Linkedin — https://www.linkedin.com/in/harlan-j-accola-crmp-b6544819

Home Equity and Reverse Mortgages — https://www.amazon.com/Home-Equity-Reverse-Mortgages-Cinderella/dp/0692044965

Fairway — http://fairwayreverse.com/

Rick Gregorek — http://www.rjglegal.com/Page/richard_gregorek

Gregorek and Associates — http://www.rjglegal.com/

May 11, 2018
Paul Merriman
00:37:22

This special episode features Paul Merriman’s keynote address at Retiremeet North on May 5, 2018 in Everett, WA. Paul talks about the essential aspects of smart investing and what he calls the ten million-dollar decisions that investors make. These choices have to be made, either consciously or just by default and Paul is here to remind us of the importance of making these decisions carefully correctly to ensure a bright financial future.

  • The ten million-dollar decisions that one makes as an investor.
  • Picking a trustworthy advisor to aid you on your path to financial security.
  • Balancing stocks and bonds for the best returns and longevity.
  • Signing up for the rises and drops in the market and the returns over the long term.
  • Market timing as opposed to buying and holding.
  • The importance of planning and setting out a glide path. 
  • The role of luck in the life of any investor.

Real Investing Journal — https://www.realinvestingjournal.com/

Vestory — https://vestory.com/

401411 — http://www.401411.com/

Vanguard — https://investor.vanguard.com

Retiremeet North — http://www.retiremeet.com/

Paul Merriman — https://paulmerriman.com/ 

Merriman — http://www.merriman.com/

101 Investment Decisions Guaranteed to Change Your Financial Futurehttps://paulmerriman.com/101-investment-decisions/

Bessembinder — https://wpcarey.asu.edu/people/profile/2717225

General Motors — https://www.gm.com/

SPIVA Report — https://us.spindices.com/spiva/

Morning Star — http://www.morningstar.com/

John Bogle — http://johncbogle.com/wordpress/

May 11, 2018
The Best and Worst
00:52:54

This is the last of Don’s holiday episodes and so we gratefully thank Paul Merriman for stepping in one last time as co-host. In this episode, we cover some historically good and bad investments from none other than our hosts, reversed mortgages, gold and silver investments, market speculation and the work of Professor Bessembinder. Paul gives some invaluable information on salespeople and why you should avoid employing them as advisors. We even go so far as to give some tips for preparing for rough times in the market.

  • Tom and Paul’s best and worst investments of all time.
  • Selling good investments versus good ideas and stories. 
  • The possibilities of a reversed mortgage and the implications on inheritance.
  • Investing in gold and silver and the volatility of this option.
  • Preparing for the next bear market and covering your bases. 
  • Should you speculate at all? 
  • Clarifying exactly what Professor Bessembinder said.
  • What to look forward to in Paul and Tom’s presentations at Retiremeet. 
  • Farewell to Paul Merriman, our amazing guest host!

Real Investing Journal — https://www.realinvestingjournal.com/

Vestory — https://vestory.com/

Paul Merriman — https://paulmerriman.com/ 

Merriman — http://www.merriman.com/

401411 — http://www.401411.com/

Vanguard — https://investor.vanguard.com

Retiremeet North — http://www.retiremeet.com/

SeaWorld — https://seaworld.com/orlando/

Harcourt Brace Jovanovich — https://www.thriftbooks.com/a/harcourt-brace-jovanovich/221290/

Warren Buffett — https://www.investopedia.com/university/warren-buffett-biography/warren-buffett-success-story.asp

General Motors — https://www.gm.com/

Aerospace — http://www.aerospace.org/

Amazon — https://www.amazon.com/

Bessembinder — https://www.nasdaq.com/article/bessembinder-rocks-the-investment-world-cm862572

May 10, 2018
Roth Power
00:36:50

The focus of this episode is the Roth account, as our hosts take a few calls on the subject and unpack the benefits for our listeners. Guest host, Paul Merriman lays out his ideas around really long term investing, for your grandchildren, and how to utilize the Roth IRA for this purpose. We also talk about picking strategies for multiple accounts and how much of an effect small choices make over the years with compounding interest. We also look forward to the fast approaching Retiremeet and Paul gives us a small idea of what to expect from his presentation.

  • Why to pick a Roth IRA over a 401(k).
  • Investing for your grandchildren with the a Roth IRA.
  • Deciding on levels of aggression for your investment strategy.
  • The widening difference that occurs with compounding interest. 
  • Best practices for long term investing with regards to risk.
  • More reasons why we like the Roth IRA as a long term option.
  • Looking forward to the best and worst questions surrounding investments. 
  • A taste of Paul Merriman’s Retiremeet topic.

Money Thirty Podcast — https://www.moneythirty.com/

Real Investing Journal — https://www.realinvestingjournal.com/

Vestory — https://vestory.com/

Paul Merriman — https://paulmerriman.com/ 

Merriman — http://www.merriman.com/

401411 — http://www.401411.com/

Vanguard — https://investor.vanguard.com

Retiremeet North — http://www.retiremeet.com/

MarketWatch — https://www.marketwatch.com/

Dwight David Eisenhower — https://www.biography.com/people/dwight-d-eisenhower-9285482

Dimensional Funds — http://dfaus.com/

101 Investment Decisions Guaranteed to Change Your Financial Futurehttps://paulmerriman.com/101-investment-decisions/

May 09, 2018
Cut Fund Costs
00:37:31

Tom is joined by Paul Merriman again this week as Don is still traversing New Zealand in a camper-van. On today’s episode Tom and Paul look at the news regarding 2017’s mutual fund costs, talk about important phone calls, answer questions on real estate, retirement and index funds. As usual the emphasis is on long term, diversified, passive investments. Paul states that, on average, people overstate their returns, miscalculating them to their supposed advantage.

  • Mutual fund costs drop in 2017.
  • Know your costs, your fees and your expenses!
  • The three phone calls that changed your life. 
  • Miscalculating your returns and the better than average rule. 
  • Why index funds are proven to give better returns than almost anything. 
  • The difficulties of purchasing real estate from a 401(k). 
  • The idea of turning assets into income in retirement. 
  • The life changing quality of equities! 

Paul Merriman — https://paulmerriman.com/ 

Merriman — http://www.merriman.com/

401411 — http://www.401411.com/

Vanguard — https://investor.vanguard.com

Retiremeet North — http://www.retiremeet.com/

MarketWatch — https://www.marketwatch.com/

Stan the Annuity Man — http://www.stantheannuityman.com/

Your Money and Your Brain — https://www.amazon.com/Your-Money-Brain-Science-Neuroeconomics/dp/0743276698

Morningstar — http://www.morningstar.com/

General Electric — https://www.ge.com/

May 08, 2018
Not a Toy
00:53:18

Welcome to the Talking Real Money Podcast! We are once again joined by Paul Merriman, who will be helping us talk about all the things that matter to you most and field your questions about how to make the most of investments. Paul and Tom go through some information about mutual funds, annuities, show again why stock picking is a bad choice and tackle index funds. Paul also gives a teaser of what you can expect from him at the upcoming Retiremeet conference and we finish off getting a bit of background to his history in investing and discussing some ideas for improving today’s financial education, to better equip the younger generation. So if you would like to keep that finger on the money’s pulse, tune in!

  • Some more information on last week’s social media bust-up.
  • Why it’s okay to get mutual fund returns instead of trying to play the market. 
  • A special call from Don, all the way from New Zealand!
  • Shopping around for annuities and the complexities of the subject.
  • A taste of what Paul Merriman will be presenting at Retiremeet. 
  • Looking at some examples of stock picking.
  • Comparing good options for index funds. 
  • Financing a problem-free retirement according to your needs.  
  • Low risk investment and the basics of the game.
  • Some of Paul’s work since he sold his company.
  • What’s missing from today’s financial education in universities. 

Money Thirty Podcast — https://www.moneythirty.com/

Real Investing Journal — https://www.realinvestingjournal.com/

Vestory — https://vestory.com/

Paul Merriman — https://paulmerriman.com/ 

Merriman — http://www.merriman.com/

401411 — http://www.401411.com/

Vanguard — https://investor.vanguard.com

Retiremeet North — http://www.retiremeet.com/

Money Magazine — http://time.com/money/

Wall Street Journal — https://www.wsj.com/europe

Stan the Annuity Man — http://www.stantheannuityman.com/

Warren Buffett — https://www.biography.com/people/warren-buffett-9230729

Berkshire Hathaway — http://www.berkshirehathaway.com/

Dimensional — https://us.dimensional.com/

Bainbridge — http://www.bainbridge.com/

May 07, 2018
A Dangerous Game
00:36:02

Don is still away in New Zealand so today we welcome a very special guest and friend in the form of Paul Merriman. Paul will helping to field all the questions you may have regarding investing, stocks, bonds and the market in general and we sure are pleased to have him aboard for today. We chat about some of last week’s problems including a small issue that arose on social media. We challenge the notion of stock picking and even take a call on the subject. Paul and Tom also discuss mutual funds, cryptocurrencies and the necessity of a financial advisor before finishing off looking at social security and retirement. So if you want to get with the money and hear all the latest news, you know what to do, join us as we talk real money!

  • Last week’s social media bust up and the problem with stock picking contests.
  • Tom’s mistake from the last episode and setting the record straight. 
  • Introducing today’s special guest, Paul Merriman!
  • Another point about stock picking and lottery. 
  • Looking at the legacy of mutual funds from 2003. 
  • Tom and Paul’s opinion on the speculative nature of cryptocurrencies. 
  • Losing on commodities and why this is similar to cryptocurrencies.
  • Who does not need a financial advisor? 
  • When to take social security in relation to your retirement. 

Talking Real Money — http://www.talkingrealmoney.com/

Talking Real Money Quick — http://www.talkingrealmoney.com/talking-real-money/

Money Thirty Podcast — https://www.moneythirty.com/

Real Investing Journal — https://www.realinvestingjournal.com/

Vestory — https://vestory.com/

Bessembinder — https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2900447

Warren Buffett — https://www.biography.com/people/warren-buffett-9230729

Paul Merriman — https://paulmerriman.com/

Berkshire Hathaway — http://www.berkshirehathaway.com/

Spiva Report — https://us.spindices.com/spiva/

Morningstar — http://www.morningstar.com/

John Oliver on Cryptocurrency — https://www.youtube.com/watch?v=g6iDZspbRMg

401411 — http://www.401411.com/

Vanguard — https://investor.vanguard.com

Retiremeet North — http://www.retiremeet.com/

Apr 28, 2018
Look Farther
00:37:21

Tom continues talking with securities attorney, Lawrence Cock. In this episode:

  • The problem with short term, actively managed funds.
  • Some information on home equity lines of credit and refinancing real estate.
  • How to make decisions around housing when approaching retirement.
  • Waiting on social security collection and weighing the benefits. 
  • Choosing between credit card debt and taking out a second mortgage. 
  • Clarifying the concept of capital gains. 
  • Inheriting benefits from IRAs and the social security grace period. 
  • And much more!

Money Thirty Podcast — https://www.moneythirty.com/

Real Investing Journal — https://www.realinvestingjournal.com/

Vestory — https://vestory.com/

401411 — http://www.401411.com/

Vanguard — https://investor.vanguard.com

Retiremeet North — http://www.retiremeet.com/

Warren Buffett — https://www.biography.com/people/warren-buffett-9230729

Lawrence R. Cock — https://www.corrcronin.com/profiles/lawrence-r-cock/

HELOC — https://www.bankrate.com/finance/topic/heloc.aspx

 

Apr 18, 2018
Protect Yourself!
00:35:59

With Don away in New Zealand for a rare holiday Tom is joined by securities attorney, Lawrence Cock to talk about the legal side of finances and how you can protect your wealth. In this episode:

  • Why short-term returns are the wrong way to view your money.
  • Following an academic approach to the market.
  • Introducing this week’s guest star!
  • Some of the financial scams that are currently making the round. 
  • Looking back at the greatest Ponzi scheme of all time.
  • Real estate investing in Seattle and its returns.
  • Investments that do not live up to expectations as a form of scamming.  
  • Recourse against fraudsters and submitting complaints to firms. 
  • The rights of minority shareholders and how to settle disputes.  
  • What to consider when hiring a fiduciary.
  • Real estate financing and primary residential regulations.

Real Money Hotline — 855-935-TALK (8255)

Talking Real Money — http://www.talkingrealmoney.com/

Talking Real Money Quick — http://www.talkingrealmoney.com/talking-real-money/

Money Thirty Podcast — https://www.moneythirty.com/

Real Investing Journal — https://www.realinvestingjournal.com/

Vestory — https://vestory.com/

401411 — http://www.401411.com/

Vanguard — https://investor.vanguard.com

VFSTX — http://www.morningstar.com/funds/xnas/vfstx/quote.html

Retiremeet North — http://www.retiremeet.com/

The Wall Street Journal — https://www.wsj.com

MarketWatch — https://www.marketwatch.com/

Goldman Sachs Bank — http://www.goldmansachs.com/what-we-do/investing-and-lending/banking/

Bankrate — https://www.bankrate.com/

Financial Fysicshttps://www.amazon.com/Financial-Fysics-Money-Investing-Really/dp/1453898557

Paul Merriman — https://paulmerriman.com/

Real Investing Journal “Own the Whole Planet” — https://www.realinvestingjournal.com/reports/2018/3/1/own-the-whole-planet

Auckland Blues — http://theblues.co.nz/

Auckland Aces — http://aucklandcricket.co.nz/about-auckland-cricket/aces/

Seattle Times Retirement Article — https://www.seattletimes.com/business/how-not-to-run-out-of-money-in-retirement/

New Zealand National Cricket Team — http://www.nzc.nz/

Apr 18, 2018
Reach for Return?
00:51:31
  • The best place to keep your savings with quick and easy access.
  • Why interest rate changes might mean for your savings.
  • High rates at Goldman Sachs bank.
  • A couple of good resources for an introduction to investing.
  • More info about Don’s upcoming holiday in New Zealand. 
  • Unloading stocks, penalties and the IRS protocols for profit. 
  • A discussion on the rules and culture of cricket. Seriously.
  • When is a good time to retire?
  • Soccer riots and why Tom couldn’t go to a Mexican soccer game.
  • The problem with dual registration of investment advisors and stock dealers. 
  • Questions to ask about your so-called fiduciary advisor. 

Real Money Hotline — 855-935-TALK (8255)

Talking Real Money — http://www.talkingrealmoney.com/

Talking Real Money Quick — http://www.talkingrealmoney.com/talking-real-money/

Money Thirty Podcast — https://www.moneythirty.com/

Real Investing Journal — https://www.realinvestingjournal.com/

Vestory — https://vestory.com/

401411 — http://www.401411.com/

Vanguard — https://investor.vanguard.com

VFSTX — http://www.morningstar.com/funds/xnas/vfstx/quote.html

Retiremeet North — http://www.retiremeet.com/

The Wall Street Journal — https://www.wsj.com

MarketWatch — https://www.marketwatch.com/

Goldman Sachs Bank — http://www.goldmansachs.com/what-we-do/investing-and-lending/banking/

Bankrate — https://www.bankrate.com/

Financial Fysicshttps://www.amazon.com/Financial-Fysics-Money-Investing-Really/dp/1453898557

Paul Merriman — https://paulmerriman.com/

Real Investing Journal “Own the Whole Planet” — https://www.realinvestingjournal.com/reports/2018/3/1/own-the-whole-planet

Auckland Blues — http://theblues.co.nz/

Auckland Aces — http://aucklandcricket.co.nz/about-auckland-cricket/aces/

Seattle Times Retirement Article — https://www.seattletimes.com/business/how-not-to-run-out-of-money-in-retirement/

New Zealand National Cricket Team — http://www.nzc.nz/

Apr 12, 2018
Risk or RISK?
00:37:01
  • Don heads out on a three week vacation.
  • Some more info on Don’s other podcast, "MoneyThirty".
  • Who is the bad guy in Billions? 
  • How and where to allocate your money when investing.
  • Replacing the ‘word’ risk with the word ‘volatility’. 
  • Where to start your retirement fund after college.
  • Looking back at investments at the turn of the millennium. 
  • What’s wrong with index and variable annuities? 
  • Why to use a VTWSX and when is right time. 

Talking Real Money —

Delta Airlines — https://www.delta.com/

Emirates - https://www.emirates.com/

Talking Real Money Quick — http://www.talkingrealmoney.com/talking-real-money/

Money Thirty Podcast — https://www.moneythirty.com/

Real Investing Journal — https://www.realinvestingjournal.com/

Vestory — https://vestory.com/

401411 — http://www.401411.com/

Vanguard — https://investor.vanguard.com

Retiremeet North — http://www.retiremeet.com/

Roundabout by Yes — https://www.youtube.com/watch?v=-Tdu4uKSZ3M

Dave Ramsey — https://www.daveramsey.com/

Tim Ferriss - https://tim.blog/

Warrior Wealth - https://www.warriorwealthsolutions.com/

Billions - http://www.imdb.com/title/tt4270492/

Morningstar — http://www.morningstar.com/

VTWSX - http://www.morningstar.com/funds/xnas/vtwsx/quote.html

Apr 11, 2018
The End Isn't Nigh
00:36:59
  • Growing conservative with age and why this is not always a good for investments.
  • Last week’s market plunge!
  • Different approaches to IRAs and where to put your money.
  • The retirement fund crisis and the what the US government might be doing about it. 
  • The insurance industry’s international power. 
  • A tough week on the stock market and is it really Armageddon? 
  • Why the markets feel volatile at the moment and why it’s part of the package.  
  • The new cryptocurrency index fund and putting your entire retirement at risk.
  • Capital Economic’s newly published thesis on bitcoin. 
  • Our bitcoin update! 

Real Money Hotline — 855-935-TALK (8255)

Talking Real Money — http://www.talkingrealmoney.com/

Talking Real Money Quick — http://www.talkingrealmoney.com/talking-real-money/

Money Thirty Podcast — https://www.moneythirty.com/

Real Investing Journal — https://www.realinvestingjournal.com/

Vestory — https://vestory.com/

401411 — http://www.401411.com/

Vanguard — https://investor.vanguard.com

Retiremeet North — http://www.retiremeet.com/

T-Mobile - https://www.t-mobile.com/

Delta Airlines — https://www.delta.com/

Larry Swedroe — http://www.etf.com/contributors/larry-swedroe 

Index Fund Advisors - https://www.ifa.com/

Hold Ten Private Index Fund - https://www.cnbc.com/2017/12/12/bitwise-hold-10-launches-crypto-index-fund-with-4-million-in-funding.html

Kingdom Trust - https://www.kingdomtrust.com/

The Entrust Group - https://www.theentrustgroup.com

Capital Economics - https://www.capitaleconomics.com/

Apr 10, 2018
Prepare For Bouncing
00:51:47
  • The markets at the moment and the troublesome first quarter of 2018.
  • Building accounts that are prepared for volatility. 
  • Why you should still not being listening to Harry Dent. 
  • The problem with speculative stock broking.
  • The so-called housing bubble and why to be cautious.
  • Parabolic housing estimations and the unreliability of real estate.
  • The MarketWatch list of the most popular books on investing.
  • The problem with the majority of investment books. 
  • Don and Tom’s list of jobs in chronological order.
Apr 06, 2018
Crypto Games
00:37:55
  • An alternative Roth IRA for a younger person with a lower investment.
  • Vanguard’s recent difficulties with customer service.
  • A new cryptocurrency for video games called Quarters. 
  • Bill Ackman and an assortment of other scammers and swindlers. 
  • A little bit about a great new TV show called Dirty Money. 
  • Minimizing your operational expenses at Vanguard.
  • Managing a tricky situation with a 403(b).
  • A strategy for a 24 year old investment and which account to use.

Money Thirty Podcast — https://www.moneythirty.com/

Real Investing Journal — https://www.realinvestingjournal.com/

Vestory — https://vestory.com/

401411 — http://www.401411.com/

Diet Bitcoin — http://www.dietbitcoinico.org/

Vanguard — https://investor.vanguard.com

Acorns — https://www.acorns.com/

Quarters — https://pocketfulofquarters.com/

Flappy Bird — http://flappybird.io/

I, Tonya — http://www.imdb.com/title/tt5580036/

Billions — http://www.imdb.com/title/tt4270492/ 

Dirty Money — http://www.imdb.com/title/tt7889220/

Bill Ackman — http://fortune.com/2018/02/28/bill-ackman-valeant-herbalife-short/

Scott Tucker — https://www.bloomberg.com/news/articles/2018-01-05/payday-loan-mogul-trades-ferraris-racing-life-for-prison-term

Davidson — https://dadavidson.com

Bankers Life — https://www.bankerslife.com/

DFA — http://dfaus.com/

Magellan — https://www.magellangroup.com.au/

Retiremeet North — http://www.retiremeet.com/

Apr 05, 2018
More Eggs, Better Baskets
00:37:28
  • Why eggs are subsidized in most grocery stores.
  • What happened to stocks and bonds in this scary first quarter.
  • The big dip that Amazon and Facebook took in the last month. 
  • All new Diet Bitcoin! Same old diagnosis! 
  • Who knows what a cryptocurrency is? 
  • Explaining the the block chain and how it supports bitcoin and other cryptocurrencies.
  • What is cryptocurrency really good for?
  • Weighing up the load of your stocks in middle age. 

Links Mentioned in Today’s Episode:

Real Money Hotline — 855-935-TALK (8255)

Talking Real Money — http://www.talkingrealmoney.com/

Talking Real Money Quick — http://www.talkingrealmoney.com/talking-real-money/

Money Thirty Podcast — https://www.moneythirty.com/

Dow Jones 30 Industrial Average — https://www.marketwatch.com/investing/index/djia

Cambridge Analytica Story — https://www.nytimes.com/2018/03/19/technology/facebook-cambridge-analytica-explained.html

Trump Amazon Tweet — http://money.cnn.com/2018/04/03/news/companies/amazon-stock/index.html

401411 — http://www.401411.com/

Diet Bitcoin — http://www.dietbitcoinico.org/

Pablo Escobar — https://www.biography.com/people/pablo-escobar-9542497

Narcos — http://www.imdb.com/title/tt2707408/

Vestory — https://vestory.com/

John Oliver on Cryptocurrency — https://www.theguardian.com/tv-and-radio/2018/mar/12/john-oliver-last-week-tonight-cryptocurrency

Real Investing Journal — https://www.realinvestingjournal.com/

Vanguard — https://investor.vanguard.com

 

Apr 04, 2018
Guaranteed? Really?
00:51:29

In this episode we carry on with the ongoing inspection of the last week’s market downturn. Then, we remind all of our listeners, even though at this point they should know, not to believe the hype. When the schemers and scammers come for you with deals  to good to be true, chances are it is. Our hosts remind us of the flimsiness of the word ‘guaranteed’, so be wary of this particular and popular word when it comes to investment advice. We also look at the different types of bonds available and talk about which ones you should be aiming to invest in. Lastly, we have a look at cryptocurrency. Again, beware! If it were up to us, you would leavethem all alone.

Key Points From This Episode:

  • Falling prey to Ponzi schemes and scammers!
  • Why to distrust guarantees and the problem with the word in general.
  • The biggest contemporary scam and why you should call us before agreeing.
  • Putting last week’s stock market drops into context.
  • What to do in the face of a bear market.
  • Short and intermediate term bonds and the benefits of these.
  • Volatility of stocks versus the foundational character of bond investments.
  • Again! Do not worry too much about the Dow Jones 30 Industrial Average!
  • Why this radio show has become a podcast now and some info on Don’s other podcast.
  • The financing podcast promotion scammers.
  • Getting a beach towel as a gift from Google.
  • Cryptocurrency and the bubble that is about to burst.
  • The problem with the popular tactic of trying to beat the market.
Mar 29, 2018
The Bad Week
00:37:25

On today’s show we will be tackling last week’s bad, bad, bad week on the market. Was it that bad? Maybe not as bad as you thought. Don and Tom break down why this week’s drops should not have you running for the hills before looking at some of the common mistakes made by their, not so great, rivals, other finance podcasts. They look at managed brokerage accounts and give out some free, unsolicited advice for job seekers! The hosts answer a question about a real estate investment with a few problems and comment on the current state of fiduciary standards. Lastly our fearless team take a few shots at the scammers, gold diggers and general up to no good investors out there so you don’t get duped! So tune in and stay up to date with where the real money is!

Key Points From This Episode:

  • Why you should not be freaked out by the declines this week.
  • Stocks, gold and Bitcoin last week.
  • Some mistakes other investment podcasts are making.
  • Managed brokerage accounts and when to use them.
  • Some career and job hunting advice from the hosts.
  • Sorting out a real estate investment that has gone a but south.
  • Fiduciary standards and the current the rulings that are in process.
  • The biggest problem facing the financial services industry.
  • Dated approaches to money and the financial media’s problems.  
  • Scams of the day and the legitimate-likeness.
  • And much more!
Mar 28, 2018
It's All Don's Fault
00:37:22

Welcome to the Talking Real Money Podcast in this episode, we look back on last week’s huge declines in the Dow Jones and also give a few pieces of advice as to which indices to keep your eyes on. Globally diversified stock and bonds is a common enough idea but what does it actually mean in real terms? We break it down Real Money style so you can get the best out of your buck. We also go over some of the vast number of new scams and untrustworthy sources that you not be listening to, including some popular money podcasts! We even mention the almighty Warren Buffett himself and shed some light onto why his reputation has been a bit shaky of late. So if you want to get with the real money and sit at the smart investor table, you know what to do! Tune in to get it all!

Key Points From This Episode:

• Last week’s Dow Jones Industrial Average’s decline.
• Looking at America’s market drops in relations to Asia and the percentages.
• Why you should still have globally diversified stocks and bonds in todays climate. • Parking money in companies and moving the money into diversified traded funds. • Money funds, treasury money funds and treasury funds - the differences.
• The money and investing podcast reviews and ratings scam.
• Why to distrust robo-advisors and the multitude of passive incomes offers.
• Over-investing in treasury bonds and the risk involved.
• Why to stay away from actively managed mutual funds.
• Confusing signals from Warren Buffett’s personal investments.
• And much more! 

Mar 28, 2018
Quick: Dump Debt
00:11:12

Welcome to the first of our new Talking Real Money Quick podcasts. Here, we take calls from out 24 hour call in line 855-935-TALK and Don answers them in thse quick podcasts.

In the episode, two callers who are wisely staring early, one ready to get started investing toward retirement and another with a pile of debt that needs to go fast.

Mar 27, 2018
Free? Steak Dinner
00:52:32

The most fun we've had in ages and lots of callers asking:

- What's the free dinner catch?

- What should investors do in bear markets? 

- Where should you keep your bonds?

- Are online trading acadamies worthwhile?

Mar 23, 2018
Fleecing Teachers
00:39:12

- Will the SEC solve the fiduciary problem

- Don and the Donald get a get-rich-quick e-mail

- Annuity salespeople keep taking advantage of 403b participants

Mar 22, 2018
Best Interests Out?
00:38:30

- It may get harder to know which advisors are looking out for your best interests

- Are index funds better than just stocks and bonds?

- Stop gambling on sports, Bitcoin, or stocks.

- Betting on a 3x oil trust is not investing.

Mar 21, 2018
Prepare for a Bear?
00:56:21

- What should you do to prepare for the inevitable bear market.

-How do you find the right financial advisor.

-Should you buy a house because interest trates have risen?

Mar 14, 2018
Mea Culpa Brokers
01:11:37

-A potential retirement crisis looms for about 65% of those over 55.

-Don apologizes to stockbrokers for accusing some of duplicity.

-Why is so much money invested in zero-yielding accounts? 

Mar 14, 2018
Re-Meet Tom & Don
00:58:10

- A premiere on a new station requires us to re-introduce ourselves.

- We talk about the history of the market and its ups and downs

- Plus, we explain the perils of various annuity products

Mar 09, 2018
Lucky Blade of Grass
00:40:24

- Do commodities make sense as an investment

- How does "Blade of Grass Conundrum" apply to investing

- Why immediate annuities are a lot like gambling

Mar 08, 2018
Tax Scam Season
00:41:38

- Beware of "found" money from the IRS.

- You can now call us with your questions 24 hours a day, 7 days a week at 855-935-TALK (8255).

- Dealing with the explosion of telephone scams.

- The financial experts keep making bad predictions.

Mar 02, 2018
Getting it Wrong
01:16:21

- Just how bad have the expert predictions been in the past?

- What type of account do you want to set up for a child who is not currently earning income?

- Is fine art considered an investment?

- Which has been better: Real Estate or Stocks?

Feb 27, 2018
Retiremeet Bellevue 2018
01:10:39

- Broadcasting live from Retiremeet 2018!

- Should you borrow from you 401k?

- How can you manage health care if you retire before 65?

Feb 21, 2018
The Number of the Beast
01:11:34

- The day after the silly Dow closed down 666 points what should you do?

- Check out financial advisors who claim to act in your best interests.

- How far back should you look to get market perspective.

- Could the BitCoin market have been illegally manipulated?

Feb 21, 2018
Flawed Thinking

- When it comes to making money and investing, we keep getting it wrong. 

- What factors should influence your portfolio decisions?

- Why investing is so much simpler than people make it out to be.

- Hear about surprising (to most people) trends in the stock market over the past ten years!

Feb 01, 2018
Life is Just a Dream

- Looks like we have to take on Bitcoin (and all the other cryptocurrencies) again.

- Are the benefits to paying off your home mortgage?

- What should you do if you don't have a retirement plan you're nearing retirement?

- Is owning a home always a good investment?

- The purpose of insurance and its worth to you.

Feb 01, 2018
Your Own Worst Enemy

- Beware of most of the financial talk shows on the radio.

- Why do so many investors stay with bad financial advisors?

- Discount brokers may not be giving you the best advice.

- Don invents a new financial word!

Jan 22, 2018
Bitcoin Horror Stories

- Christmas Eve with Tom and Don

- Bitcoins plummet and other cybercurrency horrors

- The secret to discovering annuity sales commissions

- Why bonds should still be in your portfolio.

Jan 22, 2018
Wisdom Takes Time

- Don talks about his early years of being a stock broker, and what he learned from it.

- Beware of the lies told by indexed annuity sales charts.

- Again, AAII makes outrageous claims of their newsletter's market beating abilities.

- The tricky ways brokers hide the commissions they charge to buy mutual funds.

Dec 28, 2017
The Best Gifts!

- Give gifts that can last a lifetime or longer.

- Index investing or passive investing? What's the difference?

- What is dollar cost averaging (DCA) and when does it make sense to use it?

- How much money do you really need in savings?

Dec 22, 2017
Bitcoin Mania & More

- Beware of "college" investing classes.

- What's difference between investing in physical real estate vs a REIT? 

- What's the deal with Bitcoins?

- How much risk do you really need to take?

Nov 21, 2017
Investors or Speculators?

- Broadcasting live from the American Association of Individual Investors Conference!

- Paul Merriman and Mark Hulbert both join us in this special episode to talk about the eye-opening realities of investing!

- The largest gain we've seen in a 401k plan.

- What's up with these cryptocurrencies?

Nov 13, 2017
Let's Play "Huh?" or "Duh!"

- They say honesty is the best policy, and here's why it absolutely applies to business!

- Figure out exactly how an IRA works and why it is important

- How to decide which portfolios to invest in

- Prepare to be shocked when we tell you just how much some brokers are trying to charge you!

- Cryptocurrency: is it the real deal? 

Oct 31, 2017
Trouble with Traders

- Investors continue to move from active management to index funds

- How can trading systems make the claims they do?

- Attorney Darol Tuttle from the BoomX Show makes a guest appearance .

- Plus, details about our appearance at the AAII National Investor Conference in Orlando.

Oct 19, 2017
Investing Psychology

- Mutual funds vs ETF's, is one better from a tax standpoint?

- Come see us at the AAII National Investor Conference in Orlando!

- How human psychology plays a role in investing!

- Why we feel everyone should have an Acorns account (and no, they don't pay us).

Oct 12, 2017
Scary October

- Do investors have anything to fear from October? 


- What has been the most profitable stock ever traded since 1926? 


- The true purpose of having bonds in your portfolio!


- Warren Buffet's take on investing, and why it may not apply to the average investor!

Sep 28, 2017
Equifools

- Don's commentary on the trouble with Equifax and credit reporting, in general

- How should you respond to the Equifax debacle?

- Can you avoid paying taxes on tax-deferred retirement plans?

- What is the proper place for tax-free funds in your portfolio?

Sep 22, 2017
Door to Door Investing?

- Pity those poor door-to-door investing salesmen from Edward Jones?

- What is a reasonable amount of money to pay for an investment adviser?

- Is it ever okay to buy an individual stock, and if so, when?

- What is the best way to set up a college fund for your children/grandchildren?

- Why you want to steer clear of investment advisers that are also licensed insurance agents!

Sep 12, 2017
Insurance and Investing Don't Mix

- Tricking people into believing that a blatant insurance sales pitch is actually a class at a major university.

- Should you ever invest with your friendly neighborhood insurance agent?

- Is there ever a safe time to invest? Should you be waiting before putting money into the market? 

- Why are trillions of dollars in cash just lying around throughout the world and not being invested?

Sep 12, 2017
Live from Bellevue

- What funds we recommend when first starting a portfolio

- When to choose a ROTH IRA over a traditional IRA

- What determines a conservative portfolio vs an aggressive one

- Is it ever appropriate to purchase an annuity?

Aug 23, 2017
Anything for a Buck

- Bad advice from a big investing organization.

- Should saving be a priority when you have outstanding debt?

- The earlier you start investing the better.

- What's wrong with most investing publications?

- What questions should you be asking advisors?

Aug 21, 2017
Judging the Market

- Does "the Dow" exceeding 22,000 mean much of anything?

- What happens to college savings if your child doesn't go to college.

- What purpose do bond funds serve in a portfolio?

- What's the best way to refinance a mortgage

- How much is too much to pay for financial advice?

Aug 09, 2017
Single Organism Investing

- Why it is important to treat your portfolio as a single entity instead of individual investments

- Can a worker offset  taxes on IRA required minimum distributions with new contributions?

- The main difference between ETF's and Index Funds

- More on the importance of fiduciary advice

- Good news: reverse mortgages ain't what they used to be

Aug 04, 2017
Money Should Work for You

- Our good friend, financial author and educator, Paul Merriman, joins Tom

- How to have money work for you (and not the other way around).

- Why is the U.S. Dollar going down?

- Is there a risk that companies may become overvalued due to index funds?

- How to minimize the amount of taxes paid post-retirement 

Jul 31, 2017
Don't Own Your Own!

- How can you be sure that your company's stock won't fail when you need it most?

- Why owning diversified portfolio is always better than owning individual stocks

- Learn how to create a properly diversified 401k.

- When does investing in an ETF make sense?

Plus, please forgive a bit of disjointedness, as Don was broadcasting remotely from Colorado.

Jul 18, 2017
Live from Austin

- Don reports on his visit with Dimensional Funds from Austin Texas

- When is it time to hire an advisor?

- Can you roll over inherited retirement plans into a ROTH?

- Dimensional funds vs Vanguard funds: Which is better?

- How do you qualify for a ROTH IRA?

Jul 13, 2017
Whaddya Know?

- What do you really know about investing? Less than you might think.

- Even worse, you probably don't know what you don't know. See where this going?

- Why those who try to predict the market end up being wrong so often?

- Why investing with friends and family (or nice people) can be a big mistake

Jul 06, 2017
Live from New York

- The new DOL fiduciary rule has been implemented, but you still need to be careful

- Withdrawal strategies for taking money out of retirement accounts

- Are stockbrokers trained to help you make money? Probably not.

- How is inherited property taxed when sold?

Jun 30, 2017
More is Better

- Why investing in a globally diversified portfolio has been better.

- Is an asset-based long-term care policy considered an investment?

- The lies insurance agents tell to sell high-commission, cash-value life?

Jun 25, 2017
Telling the Truth

- Should you hire a Vanguard financial advisor?

- Why the market being at another all-time high shouldn't impact your investing decisions.

- Why the advice we provide is so different than most of the other money shows.

Jun 25, 2017
The Wild West of Podcasting

- Exploring the Wild West of financial podcasts.

- We answer the big question: Is it a REAL investment?

- Is just investing in the S&P 500 adequate or should you diversify more?

Jun 25, 2017
Lying by Omission

- Should you stay in 401k or should you go elsewhere?

- How do you find a fund's fees.

- How accurate are those Social Security benfit estimates?

- What's the real story behind indexed annuities?

Jun 20, 2017
Can You Lose it All?

- What is the best investment for a global market crash?

- How do you prepare for the more likely kind of market declines?

- So you're worried about the market's future. So what?

- Will most investing advice actually be in your best interests?

Jun 19, 2017
Not a True Fiduciary

This is a MUST LISTEN episode. Learn how insurance sales people pretend to be acting in your best interests! 

- Any "adviser" selling indexed annuities is NOT ALWAYS a fiduciary.

- How to do your financial advice due-diligence.

- Even worse: Beware of those selling "bank on yourself" or "infinite banking" whole life sales gimmicks!

Jun 16, 2017
Hiring a Robot?

- When should an investor use a robot-advisor as opposed to hiring a human.

- Is it better to fund your 401k or your IRA?

- There is no ONE right way to invest for everyone. How much risk you need and can tolerate is the key to proper asset allocation.

- Why everyone should have a ROTH IRA

Jun 13, 2017
Arrogant or Accurate?

- Tom is accused of being a financially arrogant. Maybe, he's just right?

- Most financial experts claim to know something they can't know, the future.

- How and why to use real estate in a diversified portfolio?

- How much risk should you take with your portfolio in retirement?

- Beware of "Infinite Banking" schemes. They're just selling overpriced whole life.

Jun 12, 2017
Investing Crook Returns

- A hedge fund manager whose firm was guilty of insider trading is coming back.

- Why whole life is rarely a good idea.

- How life insurance companies underestimated their risk and how that effected policies.

- Questions to ask your "financial advisor."

Jun 09, 2017
Find the Fees

- Brokerage firms are scrambling to comply with the new fiduciary rules.

- Edward Jones responds with a new product: Guided Solutions. Looks like a pricey robo advisor.

- Fees are the key to successful investing. You need to know what it is.

- Some ideas to control taxes on investments.

- What should your investment priorities be?

Jun 05, 2017
You Charge How Much?!

- Can a fiduciary advisor be bad for you? When they charge outrageous fees, they can!

- How can you check on an investment advisor? Visit adviserinfo.sec.gov and look them up.

- Are marijuana stocks a great opportunity?

- How do you draw income from your investments?

Jun 02, 2017
Talking Real Money: Newer, Shorter, More

This week, we start offering new shorter podcasts, but more of them. We found that listeners prefer 20 to 25-minute podcasts. Now, we will publish three approximately 20-minute podcasts every week. This week:

- The Labor Department's fiduciary rule goes into effect soon. Is your advisor a fiduciary? 

- What are "clean" funds and what purpose do they serve?

- Why you should avoid stock brokers.

- The new BICE and why you need to watch out for it.

Jun 01, 2017
Talking Real Money: Questions from Classes

- Why do we suggest Vanguard funds when they practice active management?

- The stock market is dangerous enough without multiplying by four.

- You might want them, but are no “safe” investments that make money.

- Mighty financial oaks from little acorns.com grow.

- What makes Dimensional Funds so special?

- When does it make sense to move a regular IRA into a ROTH?

May 30, 2017
Talking Real Money: Do You Really Believe...?

- We share some ideas for getting investing started early in life.

- Why do we keep trying to pick stocks when we can't predict the future.

- Should you financial advisor be required to act in your best interests?

- Investing has progressed and research has improved, which is why our advice keeps evolving.

May 27, 2017
Talking Real Money: Real College Investing

- What's the best way to invest for a child's collge education?

- Why investing absolutely requires taking risk (no matter what some salespeople might say)?

- Are options investments or a casino game?

- What purpose to reverse mortgages serve?

- How can you avoid bad investing options in 403b retirement plans?

May 25, 2017
Talking Real Money: Expect How Much?

- How returns looked like 40 years ago compared to now

- Why Don seems to hate annuities

- There are no cookie cutter investing scenarios, every situation differs for everyone

- How to minimize the taxes paid on investments

- Answering the common question "How much money should I expect to make on the money I'm saving?"

May 23, 2017
Talking Real Money: Beyond Human Capital

Saving your human capital for the time when you have less.
How do you create income in retirement.
What's wrong with non-publicly traded REITs (real estate investment trusts)? A lot!
How much should you have in stocks and a whole lot more.

Apr 27, 2017
Talking Real Money: Dave Ramsey ELP'd Out

Vanguard is growing faster that the rest of the mutual fund industry.
Why is global diversification necessary?
Dave Ramsey gets in trouble for his "Endorsed Local Provider" program and tries something new.
Why Wall Street hates index funds and much more.

Apr 26, 2017
Talking Real Money: The Big Question

What's the biggest request from investors? 
Don shares the history of investment radio.
Is there any financial advice that is totally conflict-free?
Plus, we help our callers become better investors.

Apr 25, 2017
Talking Real Money: The Only Way to Invest

Starting with this episode, we are editing the podcasts more tightly to get them close to one hour.

What is the right way to invest? We believe there is only one way that is supported by solid science.

Why do a few funds show some incredible past returns? Is it skill or luck? And how dangerous have the hot funds been?

What is the best way for someone who has very little money to get started investing.

Plus, why do you need bonds in your portfolio and much more

 

Apr 13, 2017
Talking Real Money: Old Sitcom Investing

Investing has changed over the past 60 years as illustrated through old episode of "Father Knows Best." While we still buy annuities as investments, we have many more (and often far better) choices. Yet, insurance companies, banks, Wall Street keeps working against you with products that aren't in your best interests.

Plus, buying a house is not a real investment. The only way that you can effectively invest in real estate is if you make a business out of it or invest in commercial real estate through REITs and much more.

Mar 24, 2017
Talking Real Money: Make Money for You

Most people are terrible investors, making far less than those things in which they're invested. Who is making the most money off of your investments? It should be you, not your stock broker of insurance agent.

Plus, we talk about investing for beginners, whether of not a broker is a fiduciary, and the right reasons to invest in bonds.

Mar 20, 2017
Talking Real Money: Stopped Clock King

We love being scared. There have always been a number of people publishing prognostications of future calamity. One guy in particular, Harry Dent has made a fortune making up stock market predictions. Since 2009, he has told his followers that to expect a stock market crash at any moment. Eight years later, we're still waiting. The good news is that Harry will eventually be right, but a lot of good it will have done.

Plus, we talk about keeping fees low, portfolio diversification, reasons to buy life insurance and much more!

Mar 20, 2017
Talking Real Money: Lesson to Sell?

What's wrong with most of the continuing education classes about investing? Is your class a sales pitch in disguise? Plus, we discuss a firefighters pension options, explain the value of diversification and much more.

Mar 18, 2017
Talking Real Money: Live from Retiremeet!

Don's sad to see a good financial column go bad. Plus, there is no way to get 7% per year with total safety.

Mar 02, 2017
Talking Real Money: Tom, Don, and Paul Reunion

Paul Merriman joins Tom and Don again and spends some time talking about investment confusion. Find out how to seek out the rarest of investment advisors; those who are always required to act in your best interest.

Mar 02, 2017
Talking Real Money: Investing Isn't Gambling

Despite what you have been led to believe investing and speculating are not synonymous. You need to know that:
- The future is not predictable. 
- If you try to pick individual stocks, you are gambling. 
- Gold is not an investment.
- Real estate is not an Investment.
 

Feb 07, 2017