MTI100: Listener Letters about Bonds effecting Equities, how Credit Card Rewards are paid for, and more

Today we get together to answer YOUR questions:

Kevin wants to know if bonds are in for a “day of reckoning”. How do bonds effect equity valuations?

Paul wants to know if dollar cost averaging is a sustainable strategy all the way until retirement?

Drew would like to hear about the risk-reward profile of the Vanguard Ultra Short-Term Bond Fund. He has 10 years and looking for a low-risk investment with a higher yield than money markets.

Jeremiah wants to know how credit card companies pay for reward programs.

Taylor wants to break into finance and find a mentor. How do you go about it?

Steven has a sum of money saved in a taxable Betterment account. Now that he and his wife are in better positions career wise, would it make sense to put the money in his Schwab account?

Do you have a question for the Money Tree Investing panelists?

Send us your questions for a future Listener Letters episode

Today’s Panelists

Joe Saul-Sehy | Stacking Benjamins
Miranda Marquit | Planting Money Seeds
Linda P. Jones | Be Wealthy And Smart
Doug Goldstein | Profile-financial.com

For a quick bio of each of our show participants, head on over to our panelists page.

Send us your questions for a future Listener Letters episode

MTI099: Making Better Women Investors, with Ellen Jordan

What you be done to improve the financial system for woman breadwinners in today’s world? Our guest, Ellen Jordan, talks about the problems she is seeing as a CFP and Senior Vice President at Bryn Mawr Trust and our panel discussions solutions.

Female breadwinners often challenge themselves extra responsibilities: Work, family, and household finances. Yet, studies have shown that men still process or make most of the investing transactions in the household.

It’s a huge source of anxiety.

Ellen Jordan says many women know how to address investing issues but just haven’t taken the time to get themselves up to speed with the working knowledge of what they should be doing.

What are some things women need to understand or do to make that next step to become investors? Listen to our panelists for more Money Tree goodness!

Find out more about Ellen Jordan at www.bmtcwealth.com

 

Today’s Panelists

Miranda Marquit | Planting Money Seeds
Linda P. Jones | Best Finance Podcasts for Australians
Joe Saul-Sehy | Stacking Benjamins
Doug Goldstein | Does My Husband/Wife Have to Come to the Meetings

For a quick bio of each of our show participants, head on over to our panelists page.

Send us your questions for a future Listener Letters episode

MTI098: How to Avoid a House Sale Fail, with Jules Haas

New York Attorney, Jules Haas, is an expert on probate, estate planning, and real estate.

Today he talks about the basics of a real estate transaction, particularly purchasing a primary residence.

Tips from Jules Haas:

  • Hire an engineer or architect to look at the property
  • Do the house walk-through with an inspector
  • Pay for a Title search
  • Secure Title Insurance
  • Bring verified funds to the closing

Jules also recommends you look at the paperwork with a lawyer or attorney.

Find out more about Attorney Jules Haas:

Website: JulesHaasAttorney.com
Twitter: @JulesMHaas

Today’s Panelists

Linda P. Jones | Be Wealthy And Smart
Miranda Marquit | Planting Money Seeds
Doug Goldstein | Goldstein On Gelt
Joe Saul-Sehy | Stacking Benjamins

For a quick bio of each of our show participants, head on over to our panelists page.

Send us your questions for a future Listener Letters episode

MTI097: The Morality of SRI and Google Cars, with Rabbi Shaya Karlinsky

Rabbi Shaya Karlinsky explains how we can still make moral-based investment decisions even when faced with a difficult question like this:

Would you invest in a company that sells self-driving cars if it chose to kill the driver instead of a pedestrian?

People want to think of Socially Responsible Investing (SRI) as easy – just choose good stuff. But it can be quite a bit more complicated.

Join Doug Goldstein and Rabbi Shaya Karlinsky in a discussion about believe-based investing and self-driving cars.

 

To learn more about Rabbi Shaya Karlinsky, visit his website darchenoam.org

 

Today’s Panelists

Doug Goldstein | Goldstein On Gelt
Linda P. Jones | Below Deck Mediterranean on Bravo
Joe Saul-Sehy | Stacking Benjamins

For a quick bio of each of our show participants, head on over to our panelists page.

Send us your questions for a future Listener Letters episode

MTI096: The Laws of Investing Success, with Dr. Daniel Crosby

Dr. Daniel Crosby is a Psychologist, New York Times Best-Seller and HUGE St. Louis Cardinals fan.

His newest book, The Laws of Wealth: Psychology and the Secret to Investing Success, talks about ‘Forecasting is for Weathermen’ and ‘If You’re Excited, It’s Probably a Bad Idea’.

Today, Dr. Crosby comes on the show to share fundamental methods for investing success based on his studies of human behavior and finance. He shares the 4 C’s to behavioral investing: Consistency, Clarity, Courageousness, and Conviction and some of The Ten Commandments of Investment Behavior.

Read more on Dr. Daniel Crosby on his blog, NocturneCapital.com, watch his TedX Talks or chat with him on Twitter @DanielCrosby.

You can find his book, The Laws of Wealth, at Amazon.com

 

Today’s Panelists

Joe Saul-Sehy | Stacking Benjamins
Doug Goldstein | Goldstein On Gelt
Linda P. Jones | Be Wealthy and Smart
Miranda Marquit | Planting Money Seeds

For a quick bio of each of our show participants, head on over to our panelists page.

Send us your questions for a future Listener Letters episode

MTI095: Using the News to Make Investing Decisions – with Matt Towery

Matt Towery believes we can use the news to make investment decisions.

News effects all of our investments. Anyone can watch the news but by the time you hear about it you couldn’t take advantage of the event. It’s already happened”, says Matt about the current way people use news to make investment decisions.

Using a system can actually get you ahead of the news cycle. Begin to invest and those returns will come to you ahead of Wall Street.

For instance: The Presidential Election of 2016. If Donald Trump wins, most likely defense contractors will do well because he knows how that industry works. The same goes for construction and Wall Street will likely do well. If Hillary Clinton wins the Presidential election, international corporations and defense will see improvements.

 

What do you think? The panel gets together to dig into the idea that the news can help you make investing decisions.

Find more about our guest, Matt Towery, on his website Newsvesting.com, Twitter, and his book: Newsvesting – Use News and Opinion to Grow Your Personal Wealth.

 

Today’s Panelists

Doug Goldstein | Rich As a King
Linda P. Jones | Be Wealthy and Smart
Joe Saul-Sehy | Stacking Benjamins
Miranda Marquit | Planting Money Seeds

For a quick bio of each of our show participants, head on over to our panelists page.

Send us your questions for a future Listener Letters episode

MTI094: Listener Letters about selling ESPP discount stocks, how to grow investments when most is cash, and more

We are back to answer your questions:

Tommy asks for ideas to grow his investments. Most of his investments are in cash, the rest in a brokerage account.

Listener “In Need Of a Teacher” wants to know how to implement and manage a realistic personal budget.

Brian is able to purchase my company’s stock at a 15% discount. Should he sell it immediately to lock in the earnings or keep the stock and not sell?

Matt paid off $50k in student loans paid off in 10 months. What should his next step be financially: Roth IRA, emergency savings in a money market account, or save up a deposit on a home?

Kevin has been trying some value investing and proactively managed retirement planning. What is the relationship between stock pricing before and after the report?

Today’s Panelists

Doug Goldstein | Rich As a King
Linda P. Jones | Be Wealthy and Smart
Joe Saul-Sehy | Stacking Benjamins
Miranda Marquit | Planting Money Seeds

For a quick bio of each of our show participants, head on over to our panelists page.

Send us your questions for a future Listener Letters episode

MTI093: Crowdfunding Securities with Gregg Flinn

Have you ever wanted to get in on some of those Shark Tank-like deals? The US Government has a new ruling that appears to let you do that now under Reg-CF.

In the past, you had to be an “accredited investor”, but with this new crowdfunding option you may be able to put some money in the pot. As of May 16, 2016, the general public has the opportunity to participate in the early capital raising activities of start-up and early-stage businesses and companies can use crowdfunding to offer and sell their securities to the investing public.

Joining us today is the Chief Investment Officer at ALTZ Investment Strategies, Gregg Flinn, to explain how Reg-CF works and how we can get in on the action.

Gregg explains you can only make an offering from a portal. The portal, which is a website or mobile app from a broker-dealer or SEC registered intermediary, is the first gatekeeper that screens out certain companies to have access the crowdfunding.

If a company wants to raise $1M, the financials must be reviewed – although they don’t have to be audited. They also have to disclose if they have a “bad actor” (i.e.: An officer who has a past bankruptcy or been suspended by a regulatory agency). Finally, the business plan must be realistic and provide some level of education about the risks of investing in a crowdfunding arena.

Find more about Gregg Flinn:

Website: www.altzinv.com
Twitter: @greggflinn

Today’s Panelists

Joe Saul-Sehy | Stacking Benjamins
Miranda Marquit | Planting Money Seeds
Linda P. Jones | Be Wealthy and Smart
Doug Goldstein | Rich as a King

For a quick bio of each of our show participants, head on over to our panelists page.

Send us your questions for a future Listener Letters episode

MTI092: How to Raise Financially Fit Kids with Shannon McLay

Our guest, Shannon McLay from FinancialGym.net, says ““Financial Literacy starts in the home”. She shares stories of her son’s experiences with money at a young age and how we too can raise a financially fit kid.

7 Tips to Teach Children the Value of Money

Tip #1: Say No
Tip #2: When you can say Yes, have a budget and set parameters around the decision
Tip #3: The ultimate teacher of financial literacy and money is CASH. It teaches math skills and healthy spending boundaries
Tip #4: Let your kids have financial failures
Tip #5: Make them responsible for their wants
Tip #6: Kids need to earn their money
Tip #7: Allow them to participate in family financial decisions

 

“Financial Literacy starts in the home” – Shannon McLay, Mother and Financial Planner

 

Then, the roundtable gets together to discuss giving kids and allowance and ask, “When is the right age to begin teaching children about money?” We also share our first jobs and money lessons learned when we were kids.

You can find out more about Shannon on her website, her podcast Martinis and Your Money, and Twitter

Today’s Panelists

Linda P. Jones | Be Wealthy and Smart
Joe Saul-Sehy | Stacking Benjamins
Miranda Marquit | Adulting.TV
Doug Goldstein | Rich as a King

For a quick bio of each of our show participants, head on over to our panelists page.

Send us your questions for a future Listener Letters episode

MTI091: Listener Letters about Finding an Investment Mentor, Stock Target Prices, and Investing Too Much

Time again for our panel to answer your questions:

*Justin wants to know what analysts mean by a stock target price?
*Emily is worried she may be saving TOO much.
*Listener “Invest Passionately” wants to know the panel’s opinion of target date funds.
*Annie is hearing rumors and reports of an upcoming market crash. Is this a time to sell or sit tight?
*Alejandro wants to know how to find an investing mentor.
*Bridget comments about guaranteed minimum income, then asks if there is a role for mental imagery/visualization training to prevent people from pulling out of the market in a panic, similar to techniques athletes use in training?

 

Do you agree? Send us your questions for a future Listener Letters episode or comment below.

 

Today’s Panelists

Miranda “Mirandela” Marquit | Planting Money Seeds
Doug “Dougie” Goldstein | Goldstein on Gelt
Linda “Lindy” P Jones | Be Wealthy And Smart