Quick: 5 Investing Keys

  • 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.

Reverse Realities

  • 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.

Don's Truth Form

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.

Quick: Why They Lie

  • 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?

Quick: 2 Words, 2 Letters

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.
  • More from your cryptocurmudgeon.  
  • 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?

Crypto: Craze to Crash

  • 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. 

Ignore Predictions

  • 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.

Your Money & The Law

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.

The Obsolete Index

  • 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.com

Dave 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/djia

Dow 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=xx

Microsoft — https://www.microsoft.com/

Apple — https://www.apple.com/

Caterpillar — https://www.caterpillar.com/en.html

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

Rick Gregorek — http://yourpartnerinlaw.com/

 

Bad Investing Advice

  • 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.com

Dave 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/djia

Dow 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=xx

Microsoft — https://www.microsoft.com/

Apple — https://www.apple.com/

Caterpillar — https://www.caterpillar.com/en.html

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

Rick Gregorek — http://yourpartnerinlaw.com/

Worry Free Investing

  • 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.

More Ways to Save

  • 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