Happy new year and we have new questions:

What do we think of XY Planning Network?

Is Vanguard's new Core Actively Managed Bond Fund a good investment?

What can or should be done with a gifted annuity?

Should VT and VTI be purchased now "at a peak?"

Is a $9,000 RMD tax analysis worthwhile?


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New Year. New Questions.

34-year financial talk radio veteran, Don McDonald and former host of Serious Money on PBS, Tom Cock, join forces to talk about real money issues. In each episode, they solve real money problems, dole out real investing (not speculating) advice, and really explain the financial issues that effect all of us. Plus, it's actually fun! Talking Real Money is a podcast 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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On the week's question and answer session, Tom and Roxy take written questions from listeners about:

Social Security spousal benefits.

Moving Emergency Cash

Short-Term Cash Options

Portfolio Diversification

AVGE vs. BND Allocation

Real Estate Sales and Tax Planning


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Tom and Roxy Qs

Was retirement really better in thge past? Have 401k plans been a retirement income benefit or detriment? Might there be a better way to insure a secure retirement income? We also explore the difference in long-term returns between large-cap and small-cap value stocks. Plus, we hear from listeners:

Why does the actual income from I-Bonds not match the stated rate?

Can income from a court settlement from a stock in an IRA be transferred into the IRA?

Is it better to take retirement income from investments annually, monthly, or as needed?

Looking for a quick portfolio review?

Is it okay to start spending extra money in retirement?



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Retirement Income Evolution

Beware of complex investments or those promising to provide higher returns using some financial sleight-of-hand. Higher returns always require some sort of tradeoff. There are no special systems to game the markets, long-term. Then, we hear from listeners:

He stayed in bonds and lost money, should he stick with them now?

How can current assets be grown to enough to support retirement needs?

Does it make sense to buy a second home on the beach?

How should a very conservative retiree invest retirement funds?


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They Need Complexity

Millions of people rely on Social Security for a large portion of their income, yet the system is running low on money and won't be able to meet future obligations without major changes. So, which is better, reducing benefits or raising taxes? Plus, we take listeners questions:

What's the best way to reduce taxes on retirement plan distributions?

What can be done to reduce hodgepodgery in a portfolio?


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Social Security Sick?

In the episode, instead of discussing all of the bad financial decisions we make, let's take time to acknowledge all of the good things we do with money. Plus, we take questions on:

The possible negative impact that passive investing might have on the stock markets.

The potential tax ramifications of a portfolio.


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New Year. New Questions.

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