One of the biggest niche scams is romance fraud. An even bigger one is the current proliferation of Amazon "refund" schemes from Indian call centers. As we are talking about them, Don  gets an e-mail and calls the scammer on the show. Listen.Then we take a question on creating a well-diversified ETF portfolio.

Talking Real Money

Scam-A-Rama

FROM OUR AUDIO ARCHIVES (In other words: This is an OLD episode)Please do not call the phone number in podcast. Use 855-935-8255 instead.Also, the ads and other information may not be accurate at the time you listen.There is truly only one correct way to invest your money.DFA did a study on the best funds over 5 years and 70% of those funds went out of business or underperformed.If you are employed, generally the best way to start is to get involved in your employers plan.Social security is not designed to live off of and have a great life with.Bonds are in your portfolio for security, not a great source of income.There should never be insurance funds in any kind of qualified plan.You need to account for inflation in your investment portfolio.

4.6.17: Only One Way to Invest

FROM OUR AUDIO ARCHIVES (In other words: This is an OLD episode)Please do not call the phone number in podcast. Use 855-935-8255 instead.Also, the ads and other information may not be accurate at the time you listen.Vanguard is growing faster that the rest of the mutual fund industry.Why is global diversification necessary?Dave Ramsey gets in trouble for his "Endorsed Local Provider" program and tries something new.Why Wall Street hates index funds and much more.

4.20.17 – Dave Ramsey ELP'd Out

It's another big day for Q&A. Here's the lineup:How can we suggest Avantis funds when they are shown as active funds?The best way to backdoor into a Roth IRA?What should be done with $17K at Ed Jones?How to I Savings Bonds accrue interest?With lots of real estate is a trust needed?If you use a Roth do you lose the power of compounding?How are ETFs more tax-efficient?Finally, we look back a the ultimate doom and gloom of Robert Prechter and his Elliot Wave "Theory."

Q&A Extravaganza

We are not big fans of annuities in any form. A well-respected economist, argues that there are a few annuity vehicles that make sense for some people. We go through his pro-annuity argument and those of others.We also share the Super Bowl's purported impact on the stock market.A listener seeks more information required minimum distributions (RMDs).

More Annuity Arguments

This week, Tom and Don tackle the problems that money can cause in a relationship. What should you do to improve your pecuniary communication skills?Plus, another listener who doesn't seem to be actually listening to our investing beliefs.THIS EDITION CAN ALSO BE VIEWED ON YOU TUBE (youtube.com/talkingrealmoney)

Family Financial Fights

While we are worried about how inflation erodes our assets, we still have trillions of dollars parked in money-losing savings accounts. You need a plan for every dollar. Later, we discuss a new way to ladder bonds for safety.Then, we take your questions on:What to invest in when you have a bad 403b?Where to park $2 million short-term?Moving from finds to similar ETFs.Investing in Robinhood stock.The name of an ETF we suggested?Investing money safely with higher returns (again). 

Inflation Beats Banks

We discuss the market's recent decline and what might happen in the future.Later, we discuss the big bucks being bet on the Big Bowl.Along the way we take your questions including:How much diversification is enough?The shortest questions ever.Does a broker's complex mortgage plan make sense?Why do bond prices fall when rates rise?

You'll Just Be Guessing.

FROM OUR AUDIO ARCHIVESPlease do not call the phone number in podcast. Use 855-935-8255 instead.Also, the ads and other information may not be accurate at the time you listen.This week:Saving your human capital for the time when you have less.How do you create income in retirement.What's wrong with non-publicly traded REITs (real estate investment trusts)? A lot!How much should you have in stocks and a whole lot more.

4.24.17 – Beyond Human Capital

FROM OUR AUDIO ARCHIVESPlease do not call the phone number in podcast. Use 855-935-8255 instead.Also, the ads and other information may not be accurate at the time you listen.How returns looked like 40 years ago compared to now.Why Don seems to hate annuitie. There are no cookie cutter investing scenarios, every situation differs for everyone.How to minimize the taxes paid on investments.Answering the common question "How much money should I expect to make on the money I'm saving?"

5.3.17 – Expect How Much?

Here are the topics for today's Q&A session:A new, younger listener wants advice on making money quickly.Is there better strategy for funding a regular or Roth 457?Should you start with a Roth IRA or a 401k?When is right time to fund an IRA?We hear back from "the dragon fund lady" about the best tax buckets.Is it better to fund a regular or Roth account fifteen years from retirement?

Don's Big Q&A Day

Because of powerful lobbyists, a big part of the financial services industry actually has the authority to regulate itself. Can we really expect stockbrokers to protect investors from other stockbrokers?Plus we take your questions:Why do we suggest plain index funds on the show when we create complex portfolios using ETFs like those from DFA and Avantis?Is the big tax advantage to using ETFs versus regular index mutual funds?

Self-Regulation Oxymoronic

Congress may soon prohibit individual stock ownership for its members. There is a lesson for everyone in this possible change. Also, read Ron Lieber's New York Times article on the subject.Plus, we tackle questions about:What place should private stocks have in a portfolio?What's the best way to invest for young relatives?

Congress, Stocks, and You

You know something has reached peak insanity when celebrities are endorsed it, stadiums are being named for it, and billions of dollars being invented from it. Even crazier are those things called NFTs that can turn a kids drawing into big bucks.Then we hear from listeners:Will Vanguard charge a back-load (yes, some Vanguard funds  have a rear-end fee)?Should REITs be owned in a Roth?Why do we advice against monthly withdrawals for income in retirement?Should financial advisors suggest tax preparer?Does it make sense to pay off a mortgage with inherited money?

Blockchain Blockheads

One of the hottest stocks just burned its investors. Recent activity in The Company Formerly Known as Facebook illustrates the dangers of individual stocks.The we tackle your questions:What is the Avantis fund that Tom likes?Where should money be parked shorter-term?Vanguard Energy Index fund did well. So what?What are 457 plans and how do they work?What do we think of Berkshire Hathaway?How can beneficiaries be changed on IRAs? 

No Solo Stocks

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

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Talking Real Money

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