Talking Real Money - Investing Talk

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.Why stock markets reward long-term real investors.Why real investing must be based on science.The four well-established dimensions of return.Improve your risk portfolio with dimensions of return.Real Investing Journal — https://www.realinvestingjournal.com/Vestory — https://vestory.com/401411 — http://www.401411.com/Vanguard — https://investor.vanguard.comRobert Schiller – https://twitter.com/RobertJShillerLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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 — http://www.401411.com/Vanguard — https://investor.vanguard.comBetter Retirement Guidebook — https://www.retirebetterbook.com/Acorns — https://www.acorns.com/Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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 financial advisors.Real Investing Journal — https://www.realinvestingjournal.com/Vestory — https://vestory.com/401411 — http://www.401411.com/Vanguard — https://investor.vanguard.comBetter Retirement Guidebook — https://www.retirebetterbook.com/Acorns - https://www.acorns.com/Retirement Roundtable - http://www.talkingrealmoney.com/new-events/2018/8/18/retirement-roundtableLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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.realinvestingjournal.com/Vestory — https://vestory.com/401411 — http://www.401411.com/Vanguard — https://investor.vanguard.comBetter Retirement Guidebook — https://www.retirebetterbook.com/Quarters — https://pocketfulofquarters.com/Diet Bitcoin — https://www.dietbitcoinico.org/Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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 good as they appear. You can’t know when the market will fall or rise again. Predictable failures when predicting the future.What is anything really worth?Real Investing Journal — https://www.realinvestingjournal.com/Vestory — https://vestory.com/401411 — http://www.401411.com/Vanguard — https://investor.vanguard.comBetter Retirement Guidebook — https://www.retirebetterbook.com/Acorns — https://www.acorns.com/SEC — https://www.sec.gov/Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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 in the 1990s. 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.comBetter Retirement Guidebook — https://www.retirebetterbook.com/Ethereum — https://ethereum.org/Cristiano Ronaldo — https://www.cristianoronaldo.com/Edward Jones — https://www.edwardjones.com/index.htmlDimensional Investing — https://us.dimensional.com/Peanuts — http://www.vulture.com/2015/12/peanuts-specials-ranked.htmlTalking Real Money DFA Advisor Link — http://www.talkingrealmoney.com/dfaAllison Spielman — http://www.allisonspielman.com/Warren Buffett — https://www.investopedia.com/university/warren-buffett-biography/warren-buffett-success-story.aspBerkshire Hathaway — http://www.berkshirehathaway.com/ Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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 Fund.Why you don’t react to everything that is going on.Sell some of your winners, buy some of your losers.Insurance companies are not 100% guaranteed safe.Remember, there’s nothing out there that is free.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.comWorld Marketing Alliance – https://www.linkedin.com/company/wma-world-marketing-alliance/Fidelity Emerging Marketing Fund – https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/SHDOCS/FEMKX/hosts/sh_comm_qfr.000322.RETAIL_pdf.pdfJason Heath – https://business.financialpost.com/author/fpjasonheathExecutive Life – https://en.wikipedia.org/wiki/Executive_Life_Insurance_CompanyLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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 Retirement Freedom.Why financial portfolios need to adapt as you age.What happens when investment portfolios rely on principle.Planning for not being able to take care of yourself. Financial conflict often created by blended families.Knowing the purpose for your own money first.Determining how much you should be saving. The “mortgage-free” myth you need to know.Why windfalls are a major financial decision.Is tax referral generally a good idea?Hear Tom’s problem with real estate today.Stocks that have gone parabolic in the last year. The importance of really diversifying your stocks.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.comRick Gregorek – https://www.rjglegal.com/Rick Gregorek on Twitter – https://twitter.com/RJGLegalYour Partner in Law – http://yourpartnerinlaw.com/Acorns – https://www.acorns.com/Retirement Freedom – http://yourpartnerinlaw.com/Page/upcoming-eventsYour Money and Your Brain – https://www.amazon.com/Your-Money-Brain-Science-Neuroeconomics/dp/0743276698Bank Rate – https://www.bankrate.com/Talking Real Money on Twitter – https://twitter.com/donmcdonald Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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 about starting to prepare for retirement. Transferring into a Roth IRA and the tax options.Balancing real estate investments with stock and bonds.Real Investing Journal — https://www.realinvestingjournal.com/Vestory — https://vestory.com/401411 — http://www.401411.com/Vanguard — https://investor.vanguard.comDave Ramsey — https://www.daveramsey.com/Disney — https://www.disney.com/Time — http://time.com/Forbes — https://www.forbes.com/American Funds Group — https://groupinvestments.americanfunds.com/Bill Gross — https://en-us.janushenderson.com/institutional/make-money/SEC — https://www.sec.gov/Ray Lucia — http://www.raylucia.com/Dow Jones Industrial Average — https://www.marketwatch.com/investing/index/djiaDow 30 — https://money.cnn.com/data/dow30/AT&T — https://www.att.com/Wall Street Journal — https://www.wsj.com/S&P TMI — https://www.marketwatch.com/investing/index/sptmi?countrycode=xxMicrosoft — https://www.microsoft.com/Apple — https://www.apple.com/Caterpillar — https://www.caterpillar.com/en.htmlRetirement Freedom Kirkland — http://www.talkingrealmoney.com/new-events/2018/5/23/retirement-freedom-kirklandRick Gregorek — http://yourpartnerinlaw.com/ Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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 Average an anachronism.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.comDave Ramsey — https://www.daveramsey.com/Disney — https://www.disney.com/Time — http://time.com/Forbes — https://www.forbes.com/American Funds Group — https://groupinvestments.americanfunds.com/Bill Gross — https://en-us.janushenderson.com/institutional/make-money/SEC — https://www.sec.gov/Ray Lucia — http://www.raylucia.com/Dow Jones Industrial Average — https://www.marketwatch.com/investing/index/djiaDow 30 — https://money.cnn.com/data/dow30/AT&T — https://www.att.com/Wall Street Journal — https://www.wsj.com/S&P TMI — https://www.marketwatch.com/investing/index/sptmi?countrycode=xxMicrosoft — https://www.microsoft.com/Apple — https://www.apple.com/Caterpillar — https://www.caterpillar.com/en.htmlRetirement Freedom Kirkland — http://www.talkingrealmoney.com/new-events/2018/5/23/retirement-freedom-kirklandRick Gregorek — http://yourpartnerinlaw.com/Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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.comRetirement Freedom Kirkland — http://www.talkingrealmoney.com/new-events/2018/5/23/retirement-freedom-kirklandRick Gregorek — http://yourpartnerinlaw.com/Financial Fysics — https://www.amazon.com/Financial-Fysics-Money-Investing-Really/dp/1453898557Amazon — https://www.amazon.com/David Letterman — https://www.theguardian.com/media/david-lettermanMorningstar — https://www.morningstar.com/The Great Bull Market That Everybody Missed — https://www.morningstar.com/articles/869684/the-great-bull-market-that-everybody-missed.htmlPaul Merriman — https://paulmerriman.com/My529 — https://my529.org/DreamAhead — https://www.get.wa.gov/savings-planAge-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 Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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 saleMoney 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.comFinancial Fysics — https://www.amazon.com/Financial-Fysics-Money-Investing-Really/dp/1453898557Retirement Freedom Kirkland — http://www.talkingrealmoney.com/new-events/2018/5/23/retirement-freedom-kirklandRick Gregorek — http://yourpartnerinlaw.com/Dow Jones Industrial Average — https://www.marketwatch.com/investing/index/djiaApple — 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-planUtah 529 Plan — https://my529.org/Bankrate — https://www.bankrate.com/Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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.comWall Street Journal — https://www.wsj.com/Billions — https://www.imdb.com/title/tt4270492/Andrew Ross Sorkin — https://www.nytimes.com/by/andrew-ross-sorkinBobby Axelrod — http://billions.wikia.com/wiki/Bobby_AxelrodThe 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/1453898557SEC — https://www.sec.gov/Bankrate — https://www.bankrate.com/Northpointe Bank — https://www.northpointe.com/Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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.comThe 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.htmlAndersonville — https://www.history.com/topics/american-civil-war/andersonvilleS&P 500 — https://www.marketwatch.com/investing/index/spxMoney 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.aspJohn Bogle — https://www.marketwatch.com/story/this-is-jack-bogles-strategy-to-avoid-disappointing-vanguard-investors-2017-07-20Burton Malkiel — https://www.nytimes.com/2017/06/22/business/burton-malkiel-investment-stock-index-funds.htmlLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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.comSEC — 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-planOlympia 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-portlandDow Jones Industrial Average — https://www.marketwatch.com/investing/index/djiaAcorns — https://www.acorns.com/ Whiz Biz Kids — http://whizbizkids.com/Camp Millionaire — http://www.creativewealthintl.org/campmillionaire.phpRobert Kiyosaki — https://richdadeducation.com/us/FreeWorkshop/?vsid=30d26bd6-586e-e811-93fe-a0369f1303c6Blackstone — https://www.blackstone.com/Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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.comCaveat Emptor – https://consumer.findlaw.com/consumer-transactions/what-does-caveat-emptor-mean-.htmlTom Cock – https://www.linkedin.com/in/tom-cock-846234b/Bank Rate – https://www.bankrate.com/CNL Bank – http://www.usbanklocations.com/cnlbank-34427.shtmlDreamAhead Plan — https://www.get.wa.gov/savings-plan529 GET Plan – https://www.get.wa.gov/Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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.comMoney 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 GET –https://www.seattletimes.com/opinion/dreamahead-529-is-a-better-college-savings-plan-than-get/Westworld on HBO – https://www.hbo.com/westworldUesp.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-1527688629PIMCO – https://www.pimco.com/en-us/?showSplash=1C-Share – https://www.investopedia.com/terms/c/cshare.aspVerizon – https://www.verizon.com/home/verizonglobalhome/ghp_landing.aspxSprint – https://www.sprint.com/Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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.comWashington State University — https://wsu.edu/529 Plan — https://www.sec.gov/reportspubs/investor-publications/investorpubsintro529htm.htmlDreamAhead Plan — https://www.get.wa.gov/savings-planRetirement Planning Today — https://www.campusce.net/everett/Course/Course.aspx?c=157Fidelity — https://www.fidelity.com/Jordan E. Goodman — https://www.moneyanswers.com/SEC — https://www.sec.gov/Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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.comBill Gross — https://www.reuters.com/article/us-funds-janushenderson-gross/bill-gross-janus-unconstrained-bond-fund-drops-to-last-in-peer-group-idUSKCN1IV27VPimco — https://global.pimco.com/en-gblJanus Henderson — https://en-us.janushenderson.com/institutional/make-money/Nuveen — https://www.nuveen.com/homeTrump — 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/w24226AAII — 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.comMark Holbert — https://www.raymondjames.com/holbert/about-us/bio?_=Mark.HolbertS&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/1119293340Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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 GoodmanThe 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.Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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 Hathaway – http://www.berkshirehathaway.com/Inside Billionaire Steve Cohen’s Comeback – http://fortune.com/steve-cohen-billionaire-point72-hedge-fundWarren Buffett’s Berkshire Hathaway Had An Amazing 2017. 2018 Isn’t Looking Too Bad, Either – https://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=.631aed853601Vanguard Total Stock Market Index Fund – https://investor.vanguard.com/mutual-funds/profile/VTSAXTom Cock LinkedIn – https://www.linkedin.com/in/tom-cock-846234b/The Deuce on HBO – https://www.hbo.com/the-deuceThe Peter Lynch Method – https://www.investopedia.com/articles/stocks/06/peterlynch.aspLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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 Market – https://www.cnbc.com/2018/05/25/to-beat-the-market-bank-of-america-outlines-these-tips-for-investors.htmlMoney Thirty Podcast — https://www.moneythirty.com/Warren Buffet – https://www.forbes.com/profile/warren-buffett/Fama & French – https://www.investopedia.com/terms/f/famaandfrenchthreefactormodel.aspVanguard — https://investor.vanguard.comReal 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/Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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.comFinancial Fysics — https://www.amazon.com/Financial-Fysics-Money-Investing-Really/dp/1453898557Apple iBook Store — https://itunes.apple.com/us/app/ibooks/id364709193?mt=8The Seattle Times — https://www.seattletimes.com/Seattle Pension Fund Phone Number — 206-386-1293Apple Hospitality REIT — http://applehospitalityreit.com/DFAUS — https://us.dimensional.com/Angus Maddison — https://www.rug.nl/ggdc/historicaldevelopment/maddison/?lang=enJeff 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-muskPablo Escobar — https://www.biography.com/people/pablo-escobar-9542497HoweyCoins — https://www.howeycoins.com/index.htmlThe Science of Retirement Investing — http://www.talkingrealmoney.com/new-events/2016/6/3/lunched-the-science-of-retirement-investing-portlandBillions TV Show — https://www.imdb.com/title/tt4270492/Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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.comGET Program — https://www.get.wa.gov/howgetworksVOYA — https://www.voya.com/Seattle Not Beating the Market? — http://www.talkingrealmoney.com/blog/2018/5/19/beating-the-marketSOAEX — http://www.morningstar.com/funds/xnas/soaex/quote.html Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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.comThe Science of Retirement Investing — http://www.talkingrealmoney.com/new-events/2016/6/3/lunched-the-science-of-retirement-investing-portlandRetiremeet North — http://www.retiremeet.com/Elon Musk — https://www.tesla.com/elon-muskSeattle 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/royalweddingDFA Global Equity Portfolio — http://www.morningstar.com/funds/xnas/dgeix/quote.htmlThe 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/ Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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.comThe Science of Retirement Investing - http://www.talkingrealmoney.com/new-events/2016/6/3/lunched-the-science-of-retirement-investing-portlandRetiremeet North — http://www.retiremeet.com/Johnny Cash — http://www.johnnycash.com/Bernie Madoff — https://www.biography.com/people/bernard-madoff-466366BrokerCheck — https://brokercheck.finra.org/Knowles Systems — https://knowlessystem.com/Charles Ponzi — http://mentalfloss.com/article/20377/who-was-ponzi-what-was-his-schemeUlysses S. Grant — https://www.biography.com/people/ulysses-s-grant-9318285Emirates — 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-2018-05-11Seattle 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/Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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.Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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. Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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 Law — http://yourpartnerinlaw.com/ Paul Merriman — https://paulmerriman.com/25 Things You Should Be Getting From Your Financial Advisor — https://paulmerriman.com/25-things-getting-financial-advisor/ Get Smart Or Get Screwed — https://www.amazon.com/Get-Smart-Screwed-Financial-Advisor/dp/1480179531 Dimensional Fund Advisors — https://www.dimensional.com/ My Future Blueprint — http://www.myfutureblueprint.com/Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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-b6544819Home Equity and Reverse Mortgages — https://www.amazon.com/Home-Equity-Reverse-Mortgages-Cinderella/dp/0692044965Fairway — http://fairwayreverse.com/Rick Gregorek — http://www.rjglegal.com/Page/richard_gregorekGregorek and Associates — http://www.rjglegal.com/Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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.comRetiremeet North — http://www.retiremeet.com/Paul Merriman — https://paulmerriman.com/ Merriman — http://www.merriman.com/101 Investment Decisions Guaranteed to Change Your Financial Future — https://paulmerriman.com/101-investment-decisions/Bessembinder — https://wpcarey.asu.edu/people/profile/2717225General Motors — https://www.gm.com/SPIVA Report — https://us.spindices.com/spiva/Morning Star — http://www.morningstar.com/John Bogle — http://johncbogle.com/wordpress/Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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.comRetiremeet 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.aspGeneral 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-cm862572Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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.comRetiremeet North — http://www.retiremeet.com/MarketWatch — https://www.marketwatch.com/Dwight David Eisenhower — https://www.biography.com/people/dwight-d-eisenhower-9285482Dimensional Funds — http://dfaus.com/101 Investment Decisions Guaranteed to Change Your Financial Future — https://paulmerriman.com/101-investment-decisions/Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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.comRetiremeet 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/0743276698Morningstar — http://www.morningstar.com/General Electric — https://www.ge.com/Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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.comRetiremeet North — http://www.retiremeet.com/Money Magazine — http://time.com/money/Wall Street Journal — https://www.wsj.com/europeStan the Annuity Man — http://www.stantheannuityman.com/Warren Buffett — https://www.biography.com/people/warren-buffett-9230729Berkshire Hathaway — http://www.berkshirehathaway.com/Dimensional — https://us.dimensional.com/Bainbridge — http://www.bainbridge.com/Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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=2900447Warren Buffett — https://www.biography.com/people/warren-buffett-9230729Paul 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=g6iDZspbRMg401411 — http://www.401411.com/Vanguard — https://investor.vanguard.comRetiremeet North — http://www.retiremeet.com/Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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.comRetiremeet North — http://www.retiremeet.com/Warren Buffett — https://www.biography.com/people/warren-buffett-9230729Lawrence R. Cock — https://www.corrcronin.com/profiles/lawrence-r-cock/HELOC — https://www.bankrate.com/finance/topic/heloc.aspx Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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.comVFSTX — http://www.morningstar.com/funds/xnas/vfstx/quote.htmlRetiremeet North — http://www.retiremeet.com/The Wall Street Journal — https://www.wsj.comMarketWatch — https://www.marketwatch.com/Goldman Sachs Bank — http://www.goldmansachs.com/what-we-do/investing-and-lending/banking/Bankrate — https://www.bankrate.com/Financial Fysics — https://www.amazon.com/Financial-Fysics-Money-Investing-Really/dp/1453898557Paul Merriman — https://paulmerriman.com/Real Investing Journal “Own the Whole Planet” — https://www.realinvestingjournal.com/reports/2018/3/1/own-the-whole-planetAuckland 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/Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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.comVFSTX — http://www.morningstar.com/funds/xnas/vfstx/quote.htmlRetiremeet North — http://www.retiremeet.com/The Wall Street Journal — https://www.wsj.comMarketWatch — https://www.marketwatch.com/Goldman Sachs Bank — http://www.goldmansachs.com/what-we-do/investing-and-lending/banking/Bankrate — https://www.bankrate.com/Financial Fysics — https://www.amazon.com/Financial-Fysics-Money-Investing-Really/dp/1453898557Paul Merriman — https://paulmerriman.com/Real Investing Journal “Own the Whole Planet” — https://www.realinvestingjournal.com/reports/2018/3/1/own-the-whole-planetAuckland 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/Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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.comRetiremeet North — http://www.retiremeet.com/Roundabout by Yes — https://www.youtube.com/watch?v=-Tdu4uKSZ3MDave 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.htmlLearn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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.comRetiremeet 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.htmlKingdom Trust - https://www.kingdomtrust.com/The Entrust Group - https://www.theentrustgroup.comCapital Economics - https://www.capitaleconomics.com/Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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.Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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.comAcorns — 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-termDavidson — https://dadavidson.comBankers Life — https://www.bankerslife.com/DFA — http://dfaus.com/Magellan — https://www.magellangroup.com.au/Retiremeet North — http://www.retiremeet.com/Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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/djiaCambridge Analytica Story — https://www.nytimes.com/2018/03/19/technology/facebook-cambridge-analytica-explained.htmlTrump Amazon Tweet — http://money.cnn.com/2018/04/03/news/companies/amazon-stock/index.html401411 — http://www.401411.com/Diet Bitcoin — http://www.dietbitcoinico.org/Pablo Escobar — https://www.biography.com/people/pablo-escobar-9542497Narcos — 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-cryptocurrencyReal Investing Journal — https://www.realinvestingjournal.com/Vanguard — https://investor.vanguard.com Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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.Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!

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!Learn more about your ad choices. Visit megaphone.fm/adchoicesQuestions? Comments? Click!