Talking Real Money - Investing Talk

This episode’s topics range from savings accounts to annuities. Don and Tom tackle your questions about IRAs, pensions and bond funds. We also pack in some useful information on the resources available on our website and how to use RisQuiz to help you on your investment journey. Learn more about your ad choices. Visit megaphone.fm/adchoices Questions? Comments? Click!

Dave Ramsey has helped a lot of people manage their debt and become savers. However, his investing advice leaves a whole lot to be desired because he has a huge financial interest in promoting brokers. Learn more about your ad choices. Visit megaphone.fm/adchoices Questions? Comments? Click!

Bite-sized money bits including: Things the financial industry hides from you. Who is less honest? Stock brokers or insurance agents? The common thread through all the so-called crises of recent history. How the rule of seventy-two can help you calculate future worth. Plus, much more Learn more about your ad choices. Visit megaphone.fm/adchoices Questions? Comments? Click!

Most of those in the financial services industry are not looking out for you, they’re looking out for themselves. In this episode, Don shows you how to look out for you. He also gets into commodities with a caller who's promoting silver. How has silver done when compared with equities and the growth of the global economy. Learn more about your ad choices. Visit megaphone.fm/adchoices Question...

Tom's on vacation, so Don talks about fund fee wars. Last week, Fidelity Funds announced two new funds, Fidelity Zero Total Market and The Fidelity Zero International without zero expenses. In other words, Fidelity is going to lose a lot of money on them. Learn more about your ad choices. Visit megaphone.fm/adchoices Questions? Comments? Click!

Are homes great investments? The reality of home price appreciation has been far different than we’ve been lead to believe. Why we often feel like we knew what the markets were going to do, when in fact we knew nothing at all. Plus, much more. Learn more about your ad choices. Visit megaphone.fm/adchoices Questions? Comments? Click!

The path to a great future is paved with money. But to have money you have to manage it properly. To manage it properly you need to find somebody that you can absolutely trust to do what’s best for you. Like a fiduciary. Learn more about your ad choices. Visit megaphone.fm/adchoices Questions? Comments? Click!

Tom and Don discuss the plunging price of two very well-known companies, Facebook and Twitter. Their message: Avoid individual stocks! In addition we take your calls on a variety of issues from charitable gift annuities to stock allocation Learn more about your ad choices. Visit megaphone.fm/adchoices Questions? Comments? Click!

In this episode of Talking Real Money Quick, we bring you part two of the 10 crucial keys to successful investing. In this episode, we learn why market timing is so foolish and why you’re probably better off ignoring news media. As always, we also answer your calls and questions and today, cover topics such as investing with Swell and calculating taxes on Social Security. Learn more about your ad...

In this episode, Don and Tom are talking taxes, social security, annuities and take hard look at insurance. Plus a caller shares a terrible experience with their “advisor.”  Learn more about your ad choices. Visit megaphone.fm/adchoices Questions? Comments? Click!

Trading stocks is no different from gambling and the result usually is the same. Plus we discuss Trivent, Merrill Lynch, fees, market correlation, advisor picking, and much more. Learn more about your ad choices. Visit megaphone.fm/adchoices Questions? Comments? Click!

Saving for yourself versus saving for your kids. Find out why risk tolerance is a misnomer. The basis of the business market hypothesis. Why we should listen to the market’s collective wisdom. Retirement income versus life strategy income. Determining your volatility and risk tolerance. Why you should quit investing on previous returns. How stock markets reflect the value of the global economy. Wh...

A caller’s reverse mortgage problems. How to invest some extra money. Determine your risk tolerance. Only buy the best stocks. Picking stocks is not the same as drafting sports players. Taking out the elements of luck and prediction in investments. Your risk tolerance should guide your investments. Real Investing Journal — https://www.realinvestingjournal.com/Vestory — https://vestory.com/401411 —...

Don goes solo this week as Tom is on vacation. How to get started as an investor and where to get the right advice. Don’s issues with majority of financial advisors and what to look out for. Considering retirement investment options for a teacher. Ideas for emergency funds for fastest and safest access. Getting a real financial advisor instead of a stock broker.  Use this handy form to interview f...

Why a bonus round of the “Quick” podcast this week? Why don’t consumers trust financial “professionals?”Were recent “crises” really that bad? The wacky world of cryptocurrency ICOs. Investing for your tolerance for volatility. What’s happened since the ’08 crash and how would you have fared? Money Thirty Podcast — https://www.moneythirty.com/Real Investing Journal — https://www.realinvestingjourna...

Talking Real Money now begins in earnest. Every week we will intersperse your calls (to 855-935-TALK) with a bunch quick, informational features that Don produces for KOMO News in Seattle. Get an eclectic and science based money education in 10-20 minutes per week. In this edition:Two words and two letters for new investors. Cryptocurrency confusion and con jobs.  Immediate annuities aren’t as goo...

The cryptocurrency craze and collapse! Where to put a chunk of savings for best returns according to your risk tolerance. How to go about replacing income for retirement. Balancing your risk and safety through stocks and bonds. Finding a full-time, 100% fee-only fiduciary online. The interviewing processing when selecting a capable, appropriate advisor.  What we can learn from the example of Japan...

Will the future economy be better or worse? Don’s approached by the World Marketing Alliance. Why you should be investing in what is down. Bond percentages versus stocks percentages. Intermediate government bond funds go down. Investors are doing worse than funds themselves. A brief update on bad investor behavior. Why investor returns recently improved. Returns on the Fidelity Emerging Marketing...

Attorney Rick Gregorek joins Tom and here are some of the topics discussed:Investment tip 1: Ignore all the noise. Are you okay losing half of the money you invested? The need for return versus the want for return. Why half of your money should be in bonds. You have to afford to save for retirement, now. State planning, disability and dying: It’s a reality people! What Rick and Tom cover in Retire...

Why the 110-year old Dow Jones Industrial Average is an anachronism. Some advice for diversifying IRA investments. The current plight of some baby boomers going into retirement. Looking back on the original companies from the DJIA. The lesson that the history of the DJIA teaches us for free! The upcoming Retirement Freedom class that Tom is offering. When to start taking Social Security. How to go...

The problem with Dave Ramsey’s advice on investing. Don't expect a 12% return on your investments. Investing in stocks is far from safe. Investment advice on the radio and who to trust. Where to stash money for the short term. A reminder about Don’s advisor hats! The oxymoron that is ‘actively managed index funds’.The best indicator of the US market at any point. Is the Dow Jones Industrial A...

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...

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...

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 i...

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....