In Plus episode 242 for the week of March 2, 2019 we look at how U.S. inflation rates are calculated differently now than in 1990 and 1980, resulting in lower reported inflation. We review the impact of stock buybacks on earnings per share growth and how that can impact stock returns. We explore how corporate debt balances can serve as a constraint to elevated stock buyback levels. Finally, we explore why we need flexibility in terms of our retirement spending given changing investment … [Read more...]
169 Plus: Inflation and Trust, Self Directed IRAs and Reducing Stock Exposure as Retirement Approaches
This week August 18, 2017 on Money For the Rest of Us Plus, we see why the most important thing about any currency is whether it is trusted. We evaluate using a self-directed IRA to invest in the real estate crowdfunding platform Peer Street and how a member could go about investing $120,000 on the platform. Finally, we discuss how a member could approach the challenge of reducing stock exposure as he approaches retirement given his concerns about incurring capital gains tax. 169 … [Read more...]
161: What You Need To Know About Retirement Calculators
How retirement planning and retirement spending calculators work and what are some of their flaws. Why figuring out how much money you will have when you retire and how long it will last is a lot like the work hydrologists do to figure out whether Phoenix or Los Angeles will run out of water. Photo by Andrew Branch In this episode you’ll learn: How aquifers, aqueducts, rivers and springs are like retirement assets. What is water banking. What is the difference between … [Read more...]
158 Plus: Using Member Tools To Answer Retirement Savings Questions
This week May 20, 2017 on Money For the Rest of Us Plus we profile three members who have specific retirement savings and investing questions and show how to use the tools on Money For the Plus to get answers. … [Read more...]
137 Plus: Sequence of Returns Risk, Gold and Solar Impact Investing
This week December 17, 2016 on Money For the Rest of Us Plus we look at how to mitigate sequence of return risks for retirees and near retirees. We explore the pros and cons of investing in gold through an ETF or physically by owning coins. We also look at my recent investment in Wunder Capital and how I evaluated the risks of solar impact investing. Audio duration: 21:09 … [Read more...]
MNY108 Plus: REITs versus Crowdfunding, and Raising Cash
This week on Money For the Rest of Us Plus we discuss the differences between investing in real estate investment trusts and real estate deals on crowdfunding sites. I also answer member questions on raising cash to fund retirement expenses and raising cash based on market conditions. Finally, we discuss portfolios for a three to five year timeframe. The episode length is 15 minutes. … [Read more...]
32: Die Broke
How to deplete most of your assets before you die by using single premium immediate annuities. Photo by Christian In this episode, you'll learn: What are individuals top financial worry.How wealthy are pre-retirees.What are the traditional three-legs of retirement income.A way to create your own pension plan without having to rely on market returns.How do single premium immediate annuities work and how are they priced.What happens if an annuity provider goes bankrupt. Show … [Read more...]
