https://simplecast.com Talking Real Money Minute - Investing Advice and Money Musings Looking for real investing advice and a fresh financial perspective, but don't have time for a full podcast. Spend a minute (okay, 90 seconds) with 30-year financial talk show host, Don McDonald. Learn how to build the wealth you need for a brighter future based on solid science, not hunches. 2020 Vestory, LLC en Tue, 13 Oct 2020 21:50:29 +0000 Tue, 13 Oct 2020 21:56:35 +0000 https://talking-real-money-minute.simplecast.com Talking Real Money Minute - Investing Advice and Money Musings https://image.simplecastcdn.com/images/1e05f806-6987-4bfd-bbaf-e3f51d1595c7/2d274bff-fe61-4c89-adc7-cc68e0538407/3000x3000/money-hourglass-trm-don.jpg?aid=rss_feed https://talking-real-money-minute.simplecast.com episodic Looking for real investing advice and a fresh financial perspective, but don't have time for a full podcast. Spend a minute (okay, 90 seconds) with 30-year financial talk show host, Don McDonald. Learn how to build the wealth you need for a brighter future based on solid science, not hunches. Don McDonald, Vestory no https://feeds.simplecast.com/nRMHzs1m advisor, bonds, fiduciary, investing, investments, long-term, low-fee, money, mutual funds, planning, retirement, stocks, radio, financial, finance, talk show, invest Vestory, LLC don@vestory.com 739a08f6-d844-48c5-9363-9a4397bd3546 Consider the Source How can a fixed annuity afford to pay more than 3% per year for five years and still be considered "safe?"

]]> Tue, 13 Oct 2020 21:50:29 +0000 don@vestory.com (Don McDonald) https://talking-real-money-minute.simplecast.com/episodes/consider-the-source-VQwy6wel How can a fixed annuity afford to pay more than 3% per year for five years and still be considered "safe?"

]]> Consider the Source Don McDonald 00:01:30 From where does high income come? From where does high income come? fixed annuity, junk bonds, risk, hi-yield, a rated no full 83 566fdbf3-b2b8-45e5-b8ee-b2e23f7bafba Past Tense Market The markets aren't ever doing something. They have already done it.

]]> Fri, 9 Oct 2020 21:37:43 +0000 don@vestory.com (Don McDonald) https://talking-real-money-minute.simplecast.com/episodes/past-tense-market-Dt_0hW4W The markets aren't ever doing something. They have already done it.

]]> Past Tense Market Don McDonald 00:01:30 For markets there is no present (or future) tense. For markets there is no present (or future) tense. stocks down, stocks up, future, unknown, securities, markets no full 82 f29b52a4-7b53-4d31-9b98-805ebc27f522 Impoverished in Retirement The Covid crisis has put the retirement millions of Americans at risk at the worst possible time. What can you do to prepare for the worst?

]]> Tue, 6 Oct 2020 21:14:06 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/impoverished-in-retirement-hF0ORNG7 The Covid crisis has put the retirement millions of Americans at risk at the worst possible time. What can you do to prepare for the worst?

]]> Impoverished in Retirement Vestory, LLC 00:01:30 Millions of older workers could retire poor. Millions of older workers could retire poor. recession, investing, poor, retirees, advice, income, plan, coronavirus no full 81 195de17e-5a99-4c1c-8b48-80386e5ad817 Elections and Stocks We have enough to worry about without being concerned about the election's impact on our investments.

]]> Mon, 5 Oct 2020 20:22:36 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/elections-and-stocks-9CoqEvFx We have enough to worry about without being concerned about the election's impact on our investments.

]]> Elections and Stocks Vestory, LLC 00:01:30 Do Presidential elections impact the stock market? Do Presidential elections impact the stock market? stocks, dimensional funds, stock market, president, dfa, election, impact no full 80 8bf1c485-a963-4d5c-82ef-79910fddc466 Seven Investing Rules Investing isn't complicated. Just follow Don's seven simple rules to investing success without stress.

]]> Fri, 2 Oct 2020 21:06:38 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/seven-investing-rules-rdvMI139 Investing isn't complicated. Just follow Don's seven simple rules to investing success without stress.

]]> Seven Investing Rules Vestory, LLC 00:01:30 Seven simple rules to help you invest better. Seven simple rules to help you invest better. diversification, fees, average, global, smarter, investing, evidence, portfolio, anecdote no full 79 6b34b98c-3b70-43b7-a97d-32e9c12dfaed Trader Theft Another major Wall Street brokerage firm gets caught illegally manipulating markets. This time they even admitted it. Another lesson on the impotence of the average investor.

]]> Wed, 30 Sep 2020 21:50:30 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/trader-theft-zrJeq0VX Another major Wall Street brokerage firm gets caught illegally manipulating markets. This time they even admitted it. Another lesson on the impotence of the average investor.

]]> Trader Theft Vestory, LLC 00:01:30 You can't beat the Street, particularly when they cheat. You can't beat the Street, particularly when they cheat. jp morgan chase, market, treasury, manipulation, illegal, gold, spoofine, spooging, securities, cheat, stealing no full 78 a3e6c883-d168-4c92-8545-26fb5d426990 Active Keeps Failing The latest SPIVA Scorcard is out and it shows what it always has. Active utual fund managers fail to beat the market by huge margins. So, why do we keep trying to pick winners?

]]> Tue, 29 Sep 2020 21:30:04 +0000 don@vestory.com (Don McDonald) https://talking-real-money-minute.simplecast.com/episodes/active-keeps-failing-3qCTz3x1 The latest SPIVA Scorcard is out and it shows what it always has. Active utual fund managers fail to beat the market by huge margins. So, why do we keep trying to pick winners?

]]> Active Keeps Failing Don McDonald 00:01:30 Fund managers fail to beat the indexes. Fund managers fail to beat the indexes. stocks, index, s&p, stock, equities, spiva, active, manager, picking no full 77 483cb0c6-b26a-47f9-be19-a773bee999c3 Easy Financial Protection Where there is money there will be bad advice or outright fraud. Take a small step to protect yourself by vetting your financial "advisor" at:

investor.gov

and

brokercheck.com

Look for "disclosures" in the records avoid those who have misled clients in the past.

]]> Tue, 22 Sep 2020 20:36:39 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/easy-financial-protection-KU0_yDFl Where there is money there will be bad advice or outright fraud. Take a small step to protect yourself by vetting your financial "advisor" at:

investor.gov

and

brokercheck.com

Look for "disclosures" in the records avoid those who have misled clients in the past.

]]> Easy Financial Protection Vestory, LLC 00:01:30 Take a few minutes to avoid bad advice. Take a few minutes to avoid bad advice. finra, fraud, sec, broker check, brokers, verify, disclosures, advisors no full 76 2a526e7f-9cf0-4bc3-9474-d5789bf42081 Stop Cold Calling The financial industry is changing and the old brokerage forms need to stop interrupting us at work or during dinner. Who will be the first to publicly eliminate cold calling?

]]> Fri, 18 Sep 2020 22:14:40 +0000 don@vestory.com (Don McDonald) https://talking-real-money-minute.simplecast.com/episodes/stop-cold-calling-iSuIYDgs The financial industry is changing and the old brokerage forms need to stop interrupting us at work or during dinner. Who will be the first to publicly eliminate cold calling?

]]> Stop Cold Calling Don McDonald 00:01:30 It's time for Wall Street to grow up. It's time for Wall Street to grow up. planning, investing, calling, merrill lynch, financial services, cold call, smiling and dialing, selling no full 75 76eecd3a-b31c-4391-95a2-a4055468a63b Ignore These "Top" RIAs Focusing more on size, Barron's 2020 Top RIA list fails to find fee-only 100% fiduciary advisors.

]]> Thu, 17 Sep 2020 21:58:03 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/ignore-these-top-rias-zyCcaOM5 Focusing more on size, Barron's 2020 Top RIA list fails to find fee-only 100% fiduciary advisors.

]]> Ignore These "Top" RIAs Vestory, LLC 00:01:30 The biggest aren't the best. The biggest aren't the best. fiduciary, registered investment advisor, ria, fee-based, fee-only, dual registered, adviser, esbt interest, commission no full 74 f439b36d-1d3c-46ab-a57a-f2a508d86bdf Find Out Fees About half of all financial advisors charge more than 1% per year. Here are some questions to help you find the right advisor at the best price.

]]> Fri, 11 Sep 2020 21:27:15 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/find-out-fees-j8Q04PsN About half of all financial advisors charge more than 1% per year. Here are some questions to help you find the right advisor at the best price.

]]> Find Out Fees Vestory, LLC 00:01:30 Fee questions can help you find better advisors. Fee questions can help you find better advisors. fiduciary, fees, fee-based, fee-only, commissions no full 73 85af1f5c-3d55-45a2-8f9a-642e69dd8105 It's Different This Time There will always be surprises that cause us to worry about the financial future. Yet, time and time again, we have overcome disasters and stock values rise again.

]]> Thu, 10 Sep 2020 20:47:29 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/its-different-this-time-qZzuimug There will always be surprises that cause us to worry about the financial future. Yet, time and time again, we have overcome disasters and stock values rise again.

]]> It's Different This Time Vestory, LLC 00:01:30 Yet, there are similarities. Yet, there are similarities. covid, recession.stocks, market, fear, 9/11, recovery no full 72 5bba3d29-6437-4add-a842-10994c28911c Is Crypto Currency? One of the most important traits of a currency is stability. No one wants their currency to fluctuate wildly from day to day, yet that's just what crypto "currencies" have done.

]]> Tue, 8 Sep 2020 22:03:10 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/is-crypto-currency-G8jhd_AW One of the most important traits of a currency is stability. No one wants their currency to fluctuate wildly from day to day, yet that's just what crypto "currencies" have done.

]]> Is Crypto Currency? Vestory, LLC 00:01:49 What do you want from your currency? What do you want from your currency? dollar, echange, ethereum, rates, euro, fluctuation, bitcoin, price no full 71 ab504e5f-af79-48b5-8466-23a5160707c1 Gold Bugs Back You need to understand one simple fact: Gold is not and never will be an investment. It fluctuates, yet over time has made nothing. So, any money you put in gold is a "bet" that it will rise. That is gambling.

]]> Thu, 3 Sep 2020 20:59:01 +0000 don@vestory.com (Don McDonald) https://talking-real-money-minute.simplecast.com/episodes/gold-bugs-back-WjzIYsG5 You need to understand one simple fact: Gold is not and never will be an investment. It fluctuates, yet over time has made nothing. So, any money you put in gold is a "bet" that it will rise. That is gambling.

]]> Gold Bugs Back Don McDonald 00:01:30 And they're droning the same old ditty. And they're droning the same old ditty. peak, 2012, stock, 1980, gold, return no full 70 04686962-4736-4c47-81bc-8bd86d3a8a7a Annuity Exit Issues For most annuities are best avoided. If you already have one, be wary of those who are trying to get you out.

]]> Wed, 2 Sep 2020 21:13:11 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/annuity-exit-issues-wBTE_qEn For most annuities are best avoided. If you already have one, be wary of those who are trying to get you out.

]]> Annuity Exit Issues Vestory, LLC 00:01:30 Be careful when getting out of annuities. Be careful when getting out of annuities. c shares, variable, fees, mutual funds, indexed, a shares, bad advice, annuity, loaded, commssions, immediate no full 69 59800275-ee4f-4d87-973b-8afb11ed6015 A Different 529 Isn't Better Active management. Commissions. High fees. With so many inexpensive 529 education plans is there any need for Scholar's Choice from Legg Mason? 

]]> Tue, 1 Sep 2020 21:50:35 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/a-different-529-isnt-better-XQpj659t Active management. Commissions. High fees. With so many inexpensive 529 education plans is there any need for Scholar's Choice from Legg Mason? 

]]> A Different 529 Isn't Better Vestory, LLC 00:01:32 Paying more to get far less. Paying more to get far less. fees, load, utah, active funds, 529, colorado, expenses, no-load, commission no full 68 6baf384d-ef05-4193-a80c-e4e73a9e9312 But He Was So Nice... Another group of investors falls prey to a smooth talking salesman who promised more than anyone can ever deliver. 

]]> Fri, 28 Aug 2020 21:02:23 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/but-he-was-so-nice-hEHe7qiC Another group of investors falls prey to a smooth talking salesman who promised more than anyone can ever deliver. 

]]> But He Was So Nice... Vestory, LLC 00:01:30 The biggest reasons investors get conned. The biggest reasons investors get conned. lost, $1 million, no risk, prison, scam, fraud, sec, high yield no full 67 44732740-9b31-4b4f-8ccc-26af5d9c681a Fees, Returns, and Risk High fees can reduce already small returns to less than nothing.

]]> Tue, 25 Aug 2020 21:55:26 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/fees-returns-and-risk-_OjL8TmF High fees can reduce already small returns to less than nothing.

]]> Fees, Returns, and Risk Vestory, LLC 00:01:30 Money market funds pay little, but... Money market funds pay little, but... money market, funds, fees, low, rates, risk reward, safety return, expenses, interest no full 66 1993dc64-8d29-45c2-94f9-79b363bf133e The Right Time to Bail How will know if Tesla to too high? There's a better way to own hot stocks with less fear: Diversify!

]]> Mon, 24 Aug 2020 20:57:37 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/the-right-time-to-bail-IBUzsrXP How will know if Tesla to too high? There's a better way to own hot stocks with less fear: Diversify!

]]> The Right Time to Bail Vestory, LLC 00:01:30 Timing a bursting bubble is impossible. Timing a bursting bubble is impossible. stocks, diverify, bubble, vanguard, aol, tesla, total market, ntwax, sell, hot no full 65 a88bf955-2dd6-4fa6-a4dd-b04c89f2d508 Don't Be the Last One In Twenty years ago the NASDAQ (remenber the "QQQ"?) was all the rage. Then it fizzed for fourteen years. Is history about to repeat itself?

]]> Fri, 21 Aug 2020 21:13:31 +0000 don@vestory.com (Don McDonald) https://talking-real-money-minute.simplecast.com/episodes/dont-be-the-last-one-in-HxImUGXz Twenty years ago the NASDAQ (remenber the "QQQ"?) was all the rage. Then it fizzed for fourteen years. Is history about to repeat itself?

]]> Don't Be the Last One In Don McDonald 00:01:30 What's Hot Eventually Will Not... What's Hot Eventually Will Not... stocks, new market paradigm, qqq, nasdaq, suze orman, hot no full 64 cb90a6f9-2152-4206-8cd9-90116e5bd7f4 Stock Market Clueless Many believe that the stock market is supposed to reflect the current state of the economy.

]]> Wed, 19 Aug 2020 20:49:00 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/stock-market-clueless-oZJdmTI7 Many believe that the stock market is supposed to reflect the current state of the economy.

]]> Stock Market Clueless Vestory, LLC 00:01:30 The S&P 500 is not the economy. The S&P 500 is not the economy. economy, vt, recession, market, vanguard, vtwax, stock, global, total, tech stocks, s&p 500 no full 63 57ef89f9-b9df-4600-890d-389f4dd22533 Brokers Being Bad Don shares just a few sad headlines from a recent newsletter about financial advisors. No wonder people don't trust brokers.

]]> Fri, 14 Aug 2020 22:07:06 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/brokers-being-bad-FIienO4a Don shares just a few sad headlines from a recent newsletter about financial advisors. No wonder people don't trust brokers.

]]> Brokers Being Bad Vestory, LLC 00:01:30 Why are there so many crooked financial people? Why are there so many crooked financial people? lpl, ameriprise, scam, bad, merrill, crooked, brokers no full 62 f85cf923-537f-4ff5-8670-7d8a5a2ad31b Panicking Doesn't Pay Vanguard studied the results for those investors who panicked and caseh out of stocks in March.

]]> Thu, 13 Aug 2020 21:18:32 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/panicking-doesnt-pay-lhPbimP4 Vanguard studied the results for those investors who panicked and caseh out of stocks in March.

]]> Panicking Doesn't Pay Vestory, LLC 00:01:30 Those who went to cash in March missed out. Those who went to cash in March missed out. march, market, vanguard, cash, timing, panic no full 61 eec3a390-71bb-4150-bc40-6febb03c3772 Where's My Check? Still don't have your government stimulus check? Don shares a couple of ways to get help.

]]> Tue, 11 Aug 2020 19:53:26 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/wheres-my-check-Edfspp6a Still don't have your government stimulus check? Don shares a couple of ways to get help.

]]> Where's My Check? Vestory, LLC 00:01:30 In most cases, they're not even in the mail. In most cases, they're not even in the mail. covid, irs, treasury, help, check, stimulus, $1200 no full 60 037aea65-b299-4d10-931b-753686be8373 A Kodak Trading Moment After a news report, Kodak's stock went on a wild and crazy ride that made a few people richer and many more poorer.

]]> Mon, 10 Aug 2020 21:05:00 +0000 don@vestory.com (Don McDonald) https://talking-real-money-minute.simplecast.com/episodes/a-kodak-trading-moment-HW3DL_Zs After a news report, Kodak's stock went on a wild and crazy ride that made a few people richer and many more poorer.

]]> A Kodak Trading Moment Don McDonald 00:01:30 The lesson from Kodak's recent activity. The lesson from Kodak's recent activity. day, volatile, volume, risk, price, kodak, trading no full 59 9e198410-50ad-4012-be9d-2d751a02e3ff More Respectable Gambling? Isn't it time to be honest with yourself. Betting on stocks is gambling, not investing.

]]> Thu, 6 Aug 2020 22:33:49 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/more-respectable-gambling-bmEXEIZJ Isn't it time to be honest with yourself. Betting on stocks is gambling, not investing.

]]> More Respectable Gambling? Vestory, LLC 00:01:30 Gambling by any other name... Gambling by any other name... diversification, wall street journal, gambling, investing, spectualtion, bet no full 58 a9661be5-6bdc-432e-9f2d-3d2c19606362 I'll Need How Much? Determining how much money you'll need in retirement can be tricky. It's not an exact science. However, the longer you wait to invest the harder it will be to save enough.

]]> Wed, 5 Aug 2020 20:33:11 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/ill-need-how-much-X6cyhGJh Determining how much money you'll need in retirement can be tricky. It's not an exact science. However, the longer you wait to invest the harder it will be to save enough.

]]> I'll Need How Much? Vestory, LLC 00:01:30 How much will you need in retirement? How much will you need in retirement? save, investment, schwab, invest, baby boomer, roth, portfolio, retirement, millenial no full 57 36a3ac45-7c58-462d-bd11-3fbd6cc44cee Virtual Steak Dinners ...brokers can now bring the sales dinner to you.

]]> Tue, 4 Aug 2020 20:29:27 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/virtual-steak-dinners-JspdqVOz ...brokers can now bring the sales dinner to you.

]]> Virtual Steak Dinners Vestory, LLC 00:01:30 If they can't bring you to the sales dinner... If they can't bring you to the sales dinner... insurance agents, finra, dinner, remote, free, stock brokers, steak no full 56 3263af93-6549-40c8-bf5b-91248dbd9a97 Deciphering Dollar's Dive Don explores a few of the effects that a cheaper dollar might have on you and your investments.

]]> Mon, 3 Aug 2020 19:50:27 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/deciphering-dollars-dive-wumv7q_L Don explores a few of the effects that a cheaper dollar might have on you and your investments.

]]> Deciphering Dollar's Dive Vestory, LLC 00:01:30 What might a falling dollar do to you? What might a falling dollar do to you? economy, trade, dollar, stock market, prices, currrency no full 55 059dcd71-443c-457d-bab3-71942d785283 Gold Can't Grow Gold is not, and never will be, an investment. Yes, it's price does fluctuate, but it pays no dividends, can't get larger, and there are no magical fowl laying eggs of gold.

]]> Fri, 31 Jul 2020 18:58:51 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/gold-cant-grow-_gdoGn1K Gold is not, and never will be, an investment. Yes, it's price does fluctuate, but it pays no dividends, can't get larger, and there are no magical fowl laying eggs of gold.

]]> Gold Can't Grow Vestory, LLC 00:01:30 Even Goldman doesn't like gold. Even Goldman doesn't like gold. investment, risk, gold, goldman sachs, speculation no full 54 4c106505-25eb-40c9-b9f7-f27aae3c9cd3 Identify Bad Brokers Before you hand money over to a "financial advisor" (broker) you'd be wise to check their disciplinary history a brokercheck.finra.org.

 

]]> Mon, 27 Jul 2020 20:49:48 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/identify-bad-brokers-DL7ScKc_ Before you hand money over to a "financial advisor" (broker) you'd be wise to check their disciplinary history a brokercheck.finra.org.

 

]]> Identify Bad Brokers Vestory, LLC 00:01:30 Check out your "financial advisor" first. Check out your "financial advisor" first. regulatory, bad advice, advisor, disciplany, record, broker, scams, stockbroker no full 53 e72caf2e-ecb8-4bb4-a0c2-bd855e1b8254 Buffett vs. The Market Many consider Warren Buffett to be the best stock picker of all time. So, he must beat the dull, boring market, right?

]]> Fri, 24 Jul 2020 20:47:43 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/buffett-vs-the-market-4itmaAlq Many consider Warren Buffett to be the best stock picker of all time. So, he must beat the dull, boring market, right?

]]> Buffett vs. The Market Vestory, LLC 00:01:30 Did the best beat the average? Did the best beat the average? index, vanguard, stock market, berkshire hathaway, oracle, buffett, staock picker no full 52 5690eeed-9ae7-49d4-9be4-b469e2476661 Diversification vs. Timing Is it a good time to be in growth stocks or value?

Are U.S. stocks going to rise faster than international issues?

 

]]> Thu, 23 Jul 2020 21:14:07 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/diversification-vs-timing-14YdFQmp Is it a good time to be in growth stocks or value?

Are U.S. stocks going to rise faster than international issues?

 

]]> Diversification vs. Timing Vestory, LLC 00:01:30 Can you know when to be where and when? Can you know when to be where and when? diversify, value, timing, international, graowth, us no full 51 7e1a8dbf-1c68-4c0d-986e-939205c24974 Smart or Dumb Risk? Are you taking more risk than you should with your investments? Greed can make us do dumb things.

]]> Tue, 21 Jul 2020 21:48:02 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/smart-or-dumb-risk-3Z2KKFKJ Are you taking more risk than you should with your investments? Greed can make us do dumb things.

]]> Smart or Dumb Risk? Vestory, LLC 00:01:30 Making money requires taking risk. Making money requires taking risk. stocks, total loss, global investing, market return, portfolio, individual, volatility no full 50 e3288372-44e2-43e1-9c32-c54cc7df1b64 Buy What Rises In the ongoing battle between growth and value investing, beware of playing on the winning side.

]]> Mon, 20 Jul 2020 21:53:54 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/buy-what-rises-GIoIfwEH In the ongoing battle between growth and value investing, beware of playing on the winning side.

]]> Buy What Rises Vestory, LLC 00:01:30 Only invest in the stocks that go up. Only invest in the stocks that go up. stocks, growth, granite share, risk, value, timing, xout no full 49 79ec858e-f015-43a5-992a-707f5ad709f7 Pay Off Mortgage? Should you work to pay down your mortgage? Don explores the pros and cons.

]]> Thu, 16 Jul 2020 19:58:15 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/pay-off-mortgage-53FcFuuE Should you work to pay down your mortgage? Don explores the pros and cons.

]]> Pay Off Mortgage? Vestory, LLC 00:01:30 Is all debt bad for you? Is all debt bad for you? pay, investing, early, house rich, mortgage, off, emergency, retirement no full 48 c7d80e7d-3fe0-40ed-aeab-af869adaa201 Too Late to Profit If someone has a system for beating the market it is bound to stop working as more people use it.

]]> Mon, 13 Jul 2020 22:12:13 +0000 don@vestory.com (Don McDonald) https://talking-real-money-minute.simplecast.com/episodes/too-late-to-profit-A_ETVkMn If someone has a system for beating the market it is bound to stop working as more people use it.

]]> Too Late to Profit Don McDonald 00:01:30 The early players make the money. The early players make the money. fosbeck, market, marketwatch, timing, hulbert, seasonality timing system no full 47 318428e7-6c6b-481e-8543-691f0691762c Better Tax-Free School Savings Don briefly explains how 529 plans work and the new rules that allow them to help pay of student loans and more.

]]> Mon, 6 Jul 2020 21:16:40 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/better-tax-free-school-savings-E9Ysfu4W Don briefly explains how 529 plans work and the new rules that allow them to help pay of student loans and more.

]]> Better Tax-Free School Savings Vestory, LLC 00:01:30 Tax-free 529 plans just keep getting better. Tax-free 529 plans just keep getting better. savings, loan, apprentice, 529, plan, college no full 46 d030872a-1ff5-4299-ba88-94924235d593 Dangers of Going Naked When you gamble your losses are limited, unless you're gambling on some options, where losses are potentially unlimited.

]]> Mon, 22 Jun 2020 22:55:31 +0000 don@vestory.com (Don McDonald) https://talking-real-money-minute.simplecast.com/episodes/dangers-of-going-naked-WdB0rQhI When you gamble your losses are limited, unless you're gambling on some options, where losses are potentially unlimited.

]]> Dangers of Going Naked Don McDonald 00:01:30 Some Wall Street strategies are more risky than a casino Some Wall Street strategies are more risky than a casino naked calls, unlimited, losses, selling calls no full 45 49e3709d-4e6c-4606-9f8a-ff52554cf363 Dave's 12% Obsession Dave Ramsey seems fixated on 12% as the return you can expect from investing in the stock market. Not only is that not an accurate historical figure, it is an expectation that will likely leave many sorely disappointed.

]]> Fri, 19 Jun 2020 22:56:09 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/daves-12-obsession-FqGoPt1n Dave Ramsey seems fixated on 12% as the return you can expect from investing in the stock market. Not only is that not an accurate historical figure, it is an expectation that will likely leave many sorely disappointed.

]]> Dave's 12% Obsession Vestory, LLC 00:01:30 You cannot expect to make 12% per year. You cannot expect to make 12% per year. talk show, risk, 12% twelve percent, ramsey, s&p 500 no full 44 eeabf401-bd42-453f-8213-8e34b92ae424 Hertz Might Hurt You Hertz Car Rental is in trouble. There stock has plunged. They have billions in debt. They have filed for bankruptcy. Yet, they want to offer you new shares of stock. What's in it for you? Danger.

]]> Thu, 18 Jun 2020 21:21:22 +0000 don@vestory.com (Don McDonald) https://talking-real-money-minute.simplecast.com/episodes/hertz-might-hurt-you-eS94akT4 Hertz Car Rental is in trouble. There stock has plunged. They have billions in debt. They have filed for bankruptcy. Yet, they want to offer you new shares of stock. What's in it for you? Danger.

]]> Hertz Might Hurt You Don McDonald 00:01:30 Why not just give them your money? Why not just give them your money? stock offering, hertz, risk, bankruptcy, debt no full 43 a5495e4d-9bf0-41ff-97be-3ff7275f2f9e Stocks as Sport With no sports to be on, bored sports gamblers have chosen to lose their money day-trading stocks. Losing is still losing and luck rules the game.

]]> Tue, 16 Jun 2020 20:19:31 +0000 don@vestory.com (Don McDonald) https://talking-real-money-minute.simplecast.com/episodes/stocks-as-sport-cHarlz1U With no sports to be on, bored sports gamblers have chosen to lose their money day-trading stocks. Losing is still losing and luck rules the game.

]]> Stocks as Sport Don McDonald 00:01:30 Sports betting morphs into stock betting. Sports betting morphs into stock betting. stocks, gambling, portnoy, risk, sports, day-trading, speculation no full 42 890bb128-b76a-4468-aade-be8d6d97321b Market Mind Games If you want to keep both your sanity and your money you need to find a way to avoid the market's tricks.

]]> Fri, 12 Jun 2020 21:36:07 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/market-mind-games-Qt0VZjtG If you want to keep both your sanity and your money you need to find a way to avoid the market's tricks.

]]> Market Mind Games Vestory, LLC 00:01:30 The stock market will play with your mind. The stock market will play with your mind. stock market, volatility no full 41 46b5d31f-b043-485c-b48c-2db53a5ba97e Let the Dow Die Don hates the Dow Jones Industrial Average. Not only is is not an index, it only represent about 0.002% of all the stocks traded in the world. Can't we start calling something else "the market."

]]> Wed, 10 Jun 2020 22:03:13 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/let-the-dow-die-yUQY9ycO Don hates the Dow Jones Industrial Average. Not only is is not an index, it only represent about 0.002% of all the stocks traded in the world. Can't we start calling something else "the market."

]]> Let the Dow Die Vestory, LLC 00:01:30 The Dow is not the market. The Dow is not the market. index, average, dow, industrials, the market, djia no full 40 0aa73d13-e822-462f-bd4c-0d1cd2c78c23 Cash Out Issues Over $1 trillion was moved into cash. Why that's a mistake in more than one way. 

]]> Mon, 8 Jun 2020 21:52:02 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/cash-out-issues-14QGp0U_ Over $1 trillion was moved into cash. Why that's a mistake in more than one way. 

]]> Cash Out Issues Vestory, LLC 00:01:30 Cash makes you nothing. Cash makes you nothing. sell low, market, but high, cash, timing, interest no full 39 4b2fbec7-967d-4bf7-b711-39dbfb7501c0 Annuities: You Usually Lose Immediate annuities seem like a nice safe way to guarantee income, but the insurance company will almost always win the bet.

]]> Sat, 6 Jun 2020 01:01:32 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/annuities-you-usually-lose-8m63hiLK Immediate annuities seem like a nice safe way to guarantee income, but the insurance company will almost always win the bet.

]]> Annuities: You Usually Lose Vestory, LLC 00:01:30 Don't bet against the insurance companies Don't bet against the insurance companies annuity, safety, income, immediate, fixed, insurance no full 38 9fa83fe7-981c-40dd-8ea9-feef4982b4c0 Getting Breaks for Your Broker? Most loaded mutual funds offer lower commissions for larger amounts invested, but many brokers advice against these breakpoints to pad their pockets.

]]> Thu, 4 Jun 2020 21:12:33 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/getting-breaks-for-your-broker-aXw_7AKI Most loaded mutual funds offer lower commissions for larger amounts invested, but many brokers advice against these breakpoints to pad their pockets.

]]> Getting Breaks for Your Broker? Vestory, LLC 00:01:30 Are you get reduced commissions? Are you get reduced commissions? nav exchange, breakpoints, a share, load funds, brokers, advisors, commission no full 37 5d6c2cde-9ad9-4c79-9872-8fa059b9aa6a How Much Are You Paying? The survey says that most people either don't know how much they pay for advice or actually believe they're paying nothing. The truth is far different. Check out our advisor cost comparisons at talkingrealmoney.com/compare.

]]> Wed, 3 Jun 2020 20:38:45 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/how-much-are-you-paying-RG_xNUEw The survey says that most people either don't know how much they pay for advice or actually believe they're paying nothing. The truth is far different. Check out our advisor cost comparisons at talkingrealmoney.com/compare.

]]> How Much Are You Paying? Vestory, LLC 00:01:30 Do you how much you pay for financial advice? Do you how much you pay for financial advice? fees, ameriprise, advisor, commissions, stockbroker, expenses no full 36 e0245d27-0a1e-4cfb-8259-4dbc4038ea9b Traders Can't Win Want to make money in the day-trading business? Then sell people fake trading classes, because you're unlikely to make much, if anything, trying to trade securities.

]]> Tue, 2 Jun 2020 21:13:47 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/traders-cant-win-zsIfbg0I Want to make money in the day-trading business? Then sell people fake trading classes, because you're unlikely to make much, if anything, trying to trade securities.

]]> Traders Can't Win Vestory, LLC 00:01:30 The ones who make money are the trainers. The ones who make money are the trainers. stocks, seminars, risk, gamblin, secutities, day-trading, traders no full 35 4948106a-7b1e-4a4b-90ab-64f48436d107 Undervalued Value? Some pundits want you to believe that value investing no longer works. Just because something hasn't been successful lately doesn't mean it won't come back.

]]> Mon, 1 Jun 2020 20:01:34 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/undervalued-value-DO56bgSy Some pundits want you to believe that value investing no longer works. Just because something hasn't been successful lately doesn't mean it won't come back.

]]> Undervalued Value? Vestory, LLC 00:01:30 Value stocks aren't dead, they're resting. Value stocks aren't dead, they're resting. undervalues, stocks, assets growth, value, graham, buffett no full 34 0e944d85-8236-4e1e-946f-e27c8b728391 What's Average, Isn't While the stock market may post impressive averages, you're unlikely to see that return in a particular year. To get the "average" you must accept the ingoing fluctuations.

]]> Fri, 29 May 2020 21:25:21 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/whats-average-isnt-cgOui4UK While the stock market may post impressive averages, you're unlikely to see that return in a particular year. To get the "average" you must accept the ingoing fluctuations.

]]> What's Average, Isn't Vestory, LLC 00:01:30 Don't expect average returns regularly. Don't expect average returns regularly. 1926, average, stock market, 10% no full 33 7e142592-3946-4156-a8cc-f5d02daf4f17 Anything For a Buck? Despite the fact that they are being sued by the Washington State Attorney General, Dave Ramsey continues to recommend a time share exit firm that has almost 360 complaints with the Better Business Bureau and 78 one-star reviews on Yelp. I wonder if he'd still reccomend them if they didn't pay him?

]]> Wed, 27 May 2020 22:03:01 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/anything-for-a-buck-W_F6003V Despite the fact that they are being sued by the Washington State Attorney General, Dave Ramsey continues to recommend a time share exit firm that has almost 360 complaints with the Better Business Bureau and 78 one-star reviews on Yelp. I wonder if he'd still reccomend them if they didn't pay him?

]]> Anything For a Buck? Vestory, LLC 00:01:30 Can Dave Ramsey's recommendations be bought? Can Dave Ramsey's recommendations be bought? scam, dave ramsey, guarantee, attorney general, timeshare exit team no full 32 bfcd20f3-cbb3-4e45-8e55-7b57e5288fd5 Six Percent With Safety? An online column recently touted an investment retirement income yielding 6%. Can you really get that much income safely?

]]> Tue, 26 May 2020 21:16:57 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/six-percent-with-safety-qMQKh0i1 An online column recently touted an investment retirement income yielding 6%. Can you really get that much income safely?

]]> Six Percent With Safety? Vestory, LLC 00:01:44 Want to make more? Take more risk. Want to make more? Take more risk. reit, yield, risk, income, real estate no full 31 4578418b-4fde-4dae-bc87-0c7180b12960 How Much to Retire? Here's a simple (albeit not easy) way to determine how much money you might need to retire comfortably.

]]> Thu, 21 May 2020 20:48:15 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/how-much-to-retire-zf3fLDyR Here's a simple (albeit not easy) way to determine how much money you might need to retire comfortably.

]]> How Much to Retire? Vestory, LLC 00:01:30 How do you know what you'll need? How do you know what you'll need? need, investments, income, retirement, expenses no full 30 b5928dd3-8c30-4eb8-86e5-f8d28f10c287 Why Annuities? Except is a very few cases an annuity is probably one of the worst investment choices you can make. So, why do we buy them?

]]> Wed, 20 May 2020 22:32:49 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/why-annuities-mWsdQ_rG Except is a very few cases an annuity is probably one of the worst investment choices you can make. So, why do we buy them?

]]> Why Annuities? Vestory, LLC 00:01:30 Why do so many people buy annuities? Why do so many people buy annuities? annuity, annuities no full 29 b7ed5294-756a-44b3-b0af-eca2dd9a84fd Returns Require Risk Wall Street lies. Insurance agents lie. There is aboluetly no way for you to enjoy high investment returns with little or no risk, no matter how badly you want it.

]]> Tue, 19 May 2020 21:54:35 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/returns-require-risk-Hkijj_s2 Wall Street lies. Insurance agents lie. There is aboluetly no way for you to enjoy high investment returns with little or no risk, no matter how badly you want it.

]]> Returns Require Risk Vestory, LLC 00:01:30 There is no way to get high returns with low risk. There is no way to get high returns with low risk. fees, indexed annuities, risk, hedge funds, return no full 28 3107d833-91bd-4f55-b717-ce3f55226b4f The Oracle vs The Index Many in the press are critical of Warren Buffett's recent stock picking problems. They forget that he has always said that investing in a diversified, low-cost portfolio makes more sense than stock picking.

]]> Mon, 18 May 2020 20:40:32 +0000 don@vestory.com (Don McDonald) https://talking-real-money-minute.simplecast.com/episodes/the-oracle-vs-the-index-OPfFxN38 Many in the press are critical of Warren Buffett's recent stock picking problems. They forget that he has always said that investing in a diversified, low-cost portfolio makes more sense than stock picking.

]]> The Oracle vs The Index Don McDonald 00:01:30 Criticizing Warren Buffett's stock picking. Criticizing Warren Buffett's stock picking. diversification, fees, warren buffett, low-cost, stock, index funds, berkshire hathaway, picking no full 27 ce593adf-290b-4096-b983-974090e1f039 Seeing the Forest for the Trees Even though the near future looks bleak eventually the economy will come back.

]]> Fri, 15 May 2020 20:37:41 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/seeing-the-forest-for-the-trees-cMa83zTl Even though the near future looks bleak eventually the economy will come back.

]]> Seeing the Forest for the Trees Vestory, LLC 00:01:30 The global economy will eventually recover. The global economy will eventually recover. no full 26 8ea7e457-1531-455c-bc27-7351bfe493ac Exchange Traded Gambles The exchange traded fund industry is concerned about speculative ETFs sullying the industry's name and want the riskier stuff to go by another name.

]]> Thu, 14 May 2020 19:06:39 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/exchange-traded-gambles-92x5U4ZN The exchange traded fund industry is concerned about speculative ETFs sullying the industry's name and want the riskier stuff to go by another name.

]]> Exchange Traded Gambles Vestory, LLC 00:01:30 There are ETFs and ETNs. Next: ETGs? There are ETFs and ETNs. Next: ETGs? etf, eti, etn no full 25 580331be-989b-4bfc-ba85-d4cd63e6b9fa Telling the Truth Hurts It appears that most of those providing financial advice have issues with honesty. They worry that if you knew the truth you wouldn't give them your money. They're probably right.

]]> Wed, 13 May 2020 16:16:47 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/telling-the-truth-hurts-RYfMVIZJ It appears that most of those providing financial advice have issues with honesty. They worry that if you knew the truth you wouldn't give them your money. They're probably right.

]]> Telling the Truth Hurts Vestory, LLC 00:01:30 Being honest can be fiscally painful. Being honest can be fiscally painful. morgan stanley, disclosure, indexed annuity, fine, fees wrap, sec, annuities, omission no full 24 bdfc15c4-e253-435e-a409-f044b2e8d868 Retirement Investing Made Simple Investing for retirement is far easier than Wall Street would like you to believe. They want you to think you need them, when you don't.

]]> Tue, 12 May 2020 21:28:14 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/retirement-investing-sade-simple-LgmkNmxv Investing for retirement is far easier than Wall Street would like you to believe. They want you to think you need them, when you don't.

]]> Retirement Investing Made Simple Vestory, LLC 00:01:30 Investing doesn't have to be this difficult. Investing doesn't have to be this difficult. no full 23 119fd871-efe7-48c8-8899-5be302982039 Miss a Day, Miss a Lot So you got out of the market. Lucky you. Now, when do you get back in?

 

]]> Mon, 11 May 2020 21:17:46 +0000 don@vestory.com (Don McDonald) https://talking-real-money-minute.simplecast.com/episodes/your-financial-life-after-covid-19-wfwNUcD1 So you got out of the market. Lucky you. Now, when do you get back in?

 

]]> Miss a Day, Miss a Lot Don McDonald 00:01:30 Missing even a few of the best days can ruin returns. Missing even a few of the best days can ruin returns. market timing, plan no full 22 5dd67325-9eaa-4435-9cb9-4eef1461b388 Covid Home Office Deduction? Now that you're stuck working from home can you deduct anything?

]]> Fri, 8 May 2020 22:38:18 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/covid-home-office-deduction-KxuTJ7YN Now that you're stuck working from home can you deduct anything?

]]> Covid Home Office Deduction? Vestory, LLC 00:01:30 Can you deduct your home office expenses? Can you deduct your home office expenses? no full 21 5db97d19-2811-41de-8e37-0b6863d7bfab Worse Than Flipping a Coin No one can preduct the financial future, but many still pretend to be able to do so, Many of us keep believing despite evidence to the contrary. Flip a coin instead.

]]> Fri, 1 May 2020 20:51:48 +0000 don@vestory.com (Don McDonald) https://talking-real-money-minute.simplecast.com/episodes/worse-than-flipping-a-coin-jbR0_aY7 No one can preduct the financial future, but many still pretend to be able to do so, Many of us keep believing despite evidence to the contrary. Flip a coin instead.

]]> Worse Than Flipping a Coin Don McDonald 00:01:30 We continue to believe in future financial predictions. We continue to believe in future financial predictions. forecasts, timing, gary shilling, future, predictions no full 20 f8d4bde9-5fe4-4f89-b882-7147bb7965cb One Size Doesn't Fit All Not everyone of a ceratin age shares the same tolerance for risk. That's why target-date funds may not be the best investing solution for everyone.

Discover your own risk tolerance at talkingrealmoney.com/risquiz

]]> Thu, 30 Apr 2020 21:27:13 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/one-size-doesnt-fit-all-_XSEDCjZ Not everyone of a ceratin age shares the same tolerance for risk. That's why target-date funds may not be the best investing solution for everyone.

Discover your own risk tolerance at talkingrealmoney.com/risquiz

]]> One Size Doesn't Fit All Vestory, LLC 00:01:30 Target-date funds have some serious shortcomings. Target-date funds have some serious shortcomings. no full 19 164a4ddb-6140-479f-ae96-6865eacbefc2 Better Emergency Fund Returns The current crisis has illustrated the need for an emergency fund, but where can you park it to earn more than your bank's pathetic savings yield?

]]> Wed, 29 Apr 2020 21:05:38 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/better-emergency-fund-returns-vHjhnKOb The current crisis has illustrated the need for an emergency fund, but where can you park it to earn more than your bank's pathetic savings yield?

]]> Better Emergency Fund Returns Vestory, LLC 00:01:30 Where to stash your cash for safety and more income. Where to stash your cash for safety and more income. bank, higher, savings, return, interest no full 18 6388b590-1398-4d06-b6e5-bbbfb00380b1 Four Percent Rule Alternative The 4% Rule isn't really a rule. It's a starting point. The key to retirement income while maintaining your asset base is flexibility.

]]> Tue, 28 Apr 2020 20:58:16 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/four-percent-rule-alternative-zVNj_VXu The 4% Rule isn't really a rule. It's a starting point. The key to retirement income while maintaining your asset base is flexibility.

]]> Four Percent Rule Alternative Vestory, LLC 00:01:30 Another way to take income from your investments. Another way to take income from your investments. no full 17 7f078fdb-183b-42cc-8427-e46beadd34b1 Financial Media Lies Marketwatch continues to play fast and loose with the facts. Example: A recent headline that portays a permanent-bear with a pricey newsletter as a stock prediction genius.

]]> Tue, 28 Apr 2020 20:55:09 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/financial-media-lies-d_t9ODGj Marketwatch continues to play fast and loose with the facts. Example: A recent headline that portays a permanent-bear with a pricey newsletter as a stock prediction genius.

]]> Financial Media Lies Vestory, LLC 00:01:30 They'll say anything to attract you. They'll say anything to attract you. marketwatch, raoul pal, luck, future, wsj, dow jone, predictions no full 16 b6abf952-58ee-4d22-b74d-1aca8f459995 96% Losing Over $100,000 A new study found that 96% of Americans have taken Social Security at the wrong time leaving trillions of dollars on the table.

]]> Fri, 24 Apr 2020 20:45:07 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/96-losing-over-100-000-xSyAZSMY A new study found that 96% of Americans have taken Social Security at the wrong time leaving trillions of dollars on the table.

]]> 96% Losing Over $100,000 Vestory, LLC 00:01:30 Taking Social Security at the wrong time can cost you. Taking Social Security at the wrong time can cost you. no full 15 43fea5b0-2417-4df9-b4dc-531949761ff6 Getting Oil For Less Than Nothing? The US crude futures contract for May 2020 dropped below $0 per barrel for the first time ever. How can that happen?

]]> Mon, 20 Apr 2020 21:08:48 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/getting-oil-for-less-than-nothing-eLhKhoQa The US crude futures contract for May 2020 dropped below $0 per barrel for the first time ever. How can that happen?

]]> Getting Oil For Less Than Nothing? Vestory, LLC 00:01:30 How can crude oil sell for negative prices? How can crude oil sell for negative prices? oil, futures, west texas, crude, negative price barrel, intermediate no full 14 101e2a8b-cbf1-48c4-a9c8-aecac04d9e48 Bad News and Bears Humans have a tendency to be overly negative. Yet, despite all the bad things that have happened the world continues to spin.

]]> Fri, 17 Apr 2020 21:31:14 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/bad-news-and-bears-cvqpy0Xw Humans have a tendency to be overly negative. Yet, despite all the bad things that have happened the world continues to spin.

]]> Bad News and Bears Vestory, LLC 00:01:30 We take bad news more seriously We take bad news more seriously no full 13 6a5b3c22-5034-4ac0-9742-11bef7474ef5 "Freedom Checks" Aren't Free There are some very creative sales pitches out there for some really bad financial products like MLPs (master limited partnerships). Beware of "investments" that are good for the sellers and bad for you.

]]> Thu, 16 Apr 2020 17:49:34 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/freedom-checks-arent-free-F2eYcP2d There are some very creative sales pitches out there for some really bad financial products like MLPs (master limited partnerships). Beware of "investments" that are good for the sellers and bad for you.

]]> "Freedom Checks" Aren't Free Vestory, LLC 00:01:30 Beware of Banyan Publishing's Freedom checks. Beware of Banyan Publishing's Freedom checks. no full 12 2ffb9116-49e7-4457-a2f1-9899e1370b0d Bad Investments Take Time to Fail Non-publicly traded REITs sound so good, promising big income with little risk. All "hot" investment  sound great until they prove to be little more than a compelling story. It's something investors only discover after a crisis has occurred.

]]> Wed, 15 Apr 2020 19:52:58 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/bad-investments-take-time-to-fail-UOVAo_Tq Non-publicly traded REITs sound so good, promising big income with little risk. All "hot" investment  sound great until they prove to be little more than a compelling story. It's something investors only discover after a crisis has occurred.

]]> Bad Investments Take Time to Fail Vestory, LLC 00:01:47 Another high return, low risk illusion shows itself. Another high return, low risk illusion shows itself. reit, non-public, risk, income', investment trusts, liquidity, real estate no full 11 0e849c83-cb7e-4c94-a4f2-516d2eb3feb7 How Long Will This Last? While it seems like the coronavirus crisis has been going on forever, it's only been a few weeks. How long will our isolation and economic crisis last? We will recover. We always have. But the process of doing so will feel too long for those of us living through it, but looking back it won't seem as bad. 

]]> Tue, 14 Apr 2020 17:46:55 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/how-long-will-this-last-5Yn7_GBR While it seems like the coronavirus crisis has been going on forever, it's only been a few weeks. How long will our isolation and economic crisis last? We will recover. We always have. But the process of doing so will feel too long for those of us living through it, but looking back it won't seem as bad. 

]]> How Long Will This Last? Vestory, LLC 00:01:30 We will probably be back to normal faster than we think. We will probably be back to normal faster than we think. covid-19, recovery, world war ii, mutation, coronavirus no full 10 82603f38-01eb-4ed0-9f78-55835e8f6b8a Pick Your Stock Market Advice Don shares five stock prediction headlines so you can choose the one that fits your perosnal belief. 

Good news: You have aabout a 50% chance of picking the right advice.

Bad news: You have about a 50% chance of chooing the wrong advice.

]]> Mon, 13 Apr 2020 22:11:11 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/pick-your-advice-vMUpG17N Don shares five stock prediction headlines so you can choose the one that fits your perosnal belief. 

Good news: You have aabout a 50% chance of picking the right advice.

Bad news: You have about a 50% chance of chooing the wrong advice.

]]> Pick Your Stock Market Advice Vestory, LLC 00:01:30 What do you think the stock market will do? What do you think the stock market will do? skill, luck, future, advice, predictions no full 9 de16e95b-d7e5-4e76-ae45-c9328e9b300a Forebearance Not Foregiveness Those struggling with mortgage payments have an opportunity for some temporary relief, forbearance. Don explains what forebearnce is and isn't and what might hapen once your payment suspension ends.

]]> Fri, 10 Apr 2020 15:54:18 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/forebearance-not-foregiveness-Uni_H_Mq Those struggling with mortgage payments have an opportunity for some temporary relief, forbearance. Don explains what forebearnce is and isn't and what might hapen once your payment suspension ends.

]]> Forebearance Not Foregiveness Vestory, LLC 00:01:30 Help for those who can't make their mortgage payment. Help for those who can't make their mortgage payment. payment, suspension, mortgage, bills, forbearance, interest no full 8 a7b62288-46f5-4014-b962-56d10ce78665 Whose Advice Should You Take? The airwaves and Internet are filled with money advice and market forecasts. Some say the financial future looks bleak, others predict stocks will dazzle. Who should you believe?

]]> Thu, 9 Apr 2020 14:46:22 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/whose-advice-should-you-take-ZfjGOqDo The airwaves and Internet are filled with money advice and market forecasts. Some say the financial future looks bleak, others predict stocks will dazzle. Who should you believe?

]]> Whose Advice Should You Take? Vestory, LLC 00:01:30 So many predictions, so little truth. So many predictions, so little truth. market, money, forecast, expert, predictions no full 7 300743cf-f865-425a-8aa5-392c76eb5f61 Time to Cut Your Losses? Don talks about the high cost of letting our emotions control our investing decisions.

]]> Wed, 8 Apr 2020 17:55:40 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/time-to-cut-your-losses-Nu5Igv9w Don talks about the high cost of letting our emotions control our investing decisions.

]]> Time to Cut Your Losses? Vestory, LLC 00:01:30 Stop buying high and selling low. Stop buying high and selling low. no full 6 cacfb61c-0460-434a-ae02-5e514eb959ba Here Come the Stimulus Scams Where there are potentially billions of dollars flowing into the hands of potentially gullible Americans there are bound to be phone and phishing scams.

Learn what to watch for and how to avoid getting your stmulus check stolen.

Report IRS scams to phishing@irs.gov.

]]> Tue, 7 Apr 2020 15:36:40 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/here-come-the-stimulus-scams-zZrckRWC Where there are potentially billions of dollars flowing into the hands of potentially gullible Americans there are bound to be phone and phishing scams.

Learn what to watch for and how to avoid getting your stmulus check stolen.

Report IRS scams to phishing@irs.gov.

]]> Here Come the Stimulus Scams Vestory, LLC 00:01:30 Con-artists are hovering over your $1,200. Con-artists are hovering over your $1,200. irs, con-artist, phishing, scam, checks, protect, government, stimulus no full 4 f8dd7f2b-6a59-41b6-89b4-5a961e6bf9df Forest or Trees You'll feel a lot better if you extend your financial horizon.

]]> Mon, 6 Apr 2020 18:25:43 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/forest-or-trees-X09SozJw You'll feel a lot better if you extend your financial horizon.

]]> Forest or Trees Vestory, LLC 00:01:30 We sometimes look too closely. We sometimes look too closely. no full 3 5bf20721-ca81-42b0-b7c0-25200c2e3c5c The Story of Annuities So, what were annuities meant to be and what have the morphed into today?

]]> Sun, 5 Apr 2020 13:52:00 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/the-story-of-annuities-Ymoxk0yS So, what were annuities meant to be and what have the morphed into today?

]]> The Story of Annuities Vestory, LLC 00:01:30 In their original form they weren't bad. In their original form they weren't bad. no full 5 e59bede9-62c0-4c07-95c7-48e87d68219d Miss a Day, Miss a Lot Missing just a few of the best days for the stock market can cost a fortune.

]]> Fri, 3 Apr 2020 18:19:00 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/miss-a-day-miss-a-lot-0BZXmDI_ Missing just a few of the best days for the stock market can cost a fortune.

]]> Miss a Day, Miss a Lot Vestory, LLC 00:01:30 What happens when you miss the markets best days. What happens when you miss the markets best days. no full 2 3e39d69b-57b6-4049-bd59-20e1022aeaf1 Stop Investing Badly Investing is too simple to be this complicated. Learn the simple steps to better investing.

]]> Thu, 2 Apr 2020 18:16:00 +0000 don@vestory.com (Vestory, LLC) https://talking-real-money-minute.simplecast.com/episodes/stop-investing-badly-FuJqeRtw Investing is too simple to be this complicated. Learn the simple steps to better investing.

]]> Stop Investing Badly Vestory, LLC 00:01:30 Most financial advice is really bad. Most financial advice is really bad. easy, complex, investing, risk, advice no full 1