Something More with Chris Boyd

Nicholas Membrillo, Senior Mortgage Lender at Peoples Home Equity (aka Cardinal Financial), talks with Chris and Scott about real estate and mortgage financing in the greater Nashville market. He touches on historic low interest rates and whether it's more advantageous to finance for 30 years or a shorter term. Due to tightened financial practices, Nicholas doesn't foresee a housing crisis as in 2...

Chris and Cathi talk about the Covid-19 Delta variant trends. Gretchen Arvanitopoulos, VP at CORD (Cape Organization for rights of the Disabled), Mike Perna and Jeff Tomaneng of AMR join Chris to talk about financial planning for people with disabilities. CORD helps connect people with disabilities to available resources. They discuss the following and more: It is important to utilize a financial...

Chris and Jeff Perry discuss the July 31st Debt Ceiling deadline. Once the Congress borrowing limit is reached, lawmakers must raise the ceiling before Treasury can issue more debt (e.g., bonds) to pay US obligations. The national debt is currently $28 trillion, not counting entitlements ( https://www.usdebtclock.org provides more data on US debt information). They also discuss the Infrastructure...

The AMR team talks about the recent Wall Street Journal article on life expectancy dropping by 1-5 years in 2020 - the largest decline since at least World War II. Scott shares financial planning tips for widowhood. One of the most important is ensuring that cashflow needs are being met to cover expenses. Chris answers a mailbag question from a client on the cost of annuities. With Jeff Bezos, Elo...

Chris and Brian discuss performance for the first half of 2021 and the factors driving the market. The S&P average annual returns have been at 14% for the prior decade and the all-stock index has surpassed 14% over the last six months. Covid continues to be a concern, with the Delta variant 3x more contagious. However, we are getting near herd immunity with fewer hospitalizations and death. The Fe...

Do you have financial and personal goals? Jeff Perry and Jeff Tomaneng discuss SMART (Specific, Measurable, Attainable, Relevant, Time-bound) goals and why they are important. Brian discusses how energy prices affect inflation and the markets. The oil sweet spot price is where marginal cost meets marginal demand; however, this can not be controlled in a free-market economy.   AMR team member share...

Scott reviews AMR's 360 financial planning process. This process intends to understand one's comprehensive picture in order to provide the best financial guidance in consideration of a clients financial and life goals.  Jeff and Cathi discuss National Give Something Away Day. Don't forget to tell us about your favorite financial book by commenting to our July 15th Facebook post. You could win a co...

Divorce is the 2nd most stressful thing that one can face in life. Scott talks about how to prepare financially before, during, and after. Get organized by pulling tax returns, bank statements, credit card statements, etc. It's important to discuss Social Security, work pensions, homes, and other individual and shared assets. Keep your beneficiary and estate plan up to date. Questions are answered...

Jeff Perry hosts for Chris this week. Sunday was World Population Day. Did you know there are 7.8BN people on Earth and 332M in the US? Brian and Scott review highlights from AMR's recent tax webinar. They discuss: the proposed tax reform provisions under the Biden administration, how they may impact portfolios, and potential strategies to implement. AMR's next "Quarterly Economic & Market Update"...

Bill Zammer, owner of the Flying Bridge and other local restaurants made a significant contribution to the Cape Cod community. In tribute to him, Chris plays a "Something More With Chris Boyd" radio segment from September 2008, in which he interviewed Bill regarding his success.

Chris introduces AMR's Margaritas & Money program.  Scott Birmingham, CFP®, ChFC, CDFA®, CAP, CLU, Investment Advisor Representative and Chief Compliance Officer at Asset Management Resources, and his fiancée Kristi Curling critique margaritas at Nashville area restaurants and include 30 seconds of financial information in the process. It's lots of fun and informative at the same time. Chris, Scot...

Brian talks about stock valuations and what drives P/E (price-to-earnings ratios). He also discusses how real estate investments fit into a portfolio during today's real estate boom.  

The S&P average annual return is 14.82%. Brian, Chris, and Jeff Perry discuss if it is better to stay invested or if now is the right time to get out of the market. Brian discusses the likelihood of inflation and the benefits/disadvantages of an inflationary economy. He also discusses the Covid Delta Variance and if now is a good time to be increasing foreign investment exposure.

Jeff Perry shares lessons from his personal financial journey. He suggests: Writing down goals, amending them annually, and reviewing them quarterly to stay accountable. Do not get emotionally involved in an investment and know what you are investing in. Get professional help to review various scenarios and make sure you are on track.

The AMR team discusses saving for college. Their key advice is something is better than nothing and it's better to start sooner than later (use the power of compounding to your advantage). 529 plans are target-date college investment plans that grow tax-free. Withdrawals are also tax-free if payments are made directly to the college. Payments can be used towards tuition, room and board, books, sch...

Free Application for Federal Student Ai d  ( FAFSA®) forms are due soon. Jayson Tinsley, Assistant Vice President, Financial Aid (Counseling) at University of Maryland Global Campus, joins Chris and Brian to discuss what the FAFSA is and best tips for obtaining college financial aid. AMR reviews the cost of raising a family.

Is someone in the family able to step in and manage the finances when the financial head of the house shows signs of incapacity? AMR talks about some of the family dynamics when the financial family roles begin to shift. They also discuss things that should be known and asked in the event that someone else needs to begin managing the family finances and other personal business matters

Annalee Kruger, Founder & President of Care Right, Inc. joins Chris this week. She discusses: the difference between dementia and Alzheimer's, signs to watch out for – mood changes, fatigue, etc., caregiver fatigue and resource available, and the importance of an aging plan.

Are you thinking of planning a summer vacation? AMR discusses best practices for vacation savings and answers client questions about 401(k) transfer, etc.  Chuck Nardozza, Managing Director of Travel Sales at AAA shares top travel trends, restrictions, and planning ideas. 

Dave Sampson of Thrive Networks shares best cybersecurity tips. Businesses should have a comprehensive security framework including windows updates, data backups, data isolated outside of network, recovery process, and regular testing. Individuals should use dual factor authentication, complex passwords and rotate them, don't use the same password for every site and use an end point protection sol...

AMR reviews financial best practices for recent graduates, including develop a budget, don't get into debt by chasing the latest shiny penny, manage credit responsibly, and start saving for retirement Glenn E. Frank, author of "Your Encore Retirement Planning Guide - How to Balance Time, Money and Joy", joins Chris. Glenn shares the joy matrix to help determine what makes you happy. People who hav...

Jeff Perry co-hosts with Chris. They discuss  Memorial Day being a day to remember vets who died in service or are MIA, and the history behind it.   Chris, Mike, Jeff, Jeff, Scott, talk about all things Amazon.  

Chris is joined by Brian Regan and Jeff Perry. They discuss these recent financial news events and their impact on the market: Activist investors on the Exxon Mobile Board Significant volatility in crypto-currency markets Inflation - Are higher consumer goods and housing prices indicative of long-term inflation or transitory? What effect will wage increases have on inflation?

Chris and Keats talk about three tax proposals and how they may affect estate planning: President Biden's Income Tax, Capital Gains, Social Security Sander's For the 99.5% Tax Act Van Hollen's Sensible Taxation and Equity Promotion (Step) Act of 2021 Chris and Cathi discuss financial mistakes to avoid in your 50s and 60s, including: Spending Retirement Money Before Retirement Retiring Too Soon Rel...

F. Keats Boyd, President of Boyd & Boyd, PC, discusses the basics of estate planning, including the reasons to set up an estate plan and when/when not to use a Medicaid planning trust. MAIN REASONS FOR AN ESTATE PLAN: Passing wealth at death Incapacity care planning  Probate avoidance Asset protection  Tax avoidance income and estate tax avoidance