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Mastering Money

Mastering Money is hosted by Certified Income Specialist™ Steve Jurich. Steve's comments have been seen on MarketWatch, CNBC.com, Bloomberg, and TheStreet.com. Steve is joined on most days by Money Radio favorite Sinclair Noe as well as experts and authors from the world of Wall Street and real estate. New episodes published every weekday at 9am PST. Listen every weekday to get a handle on emerging market trends, asset allocation strategies, social security, medicare, RMD planning, tax strategies, estate planning, annuities, life insurance and more!
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Now displaying: 2016

Dec 30, 2016

More and more self-driving cars are hitting the road, as companies like UBER and GOOGLE enter the fray. Technology has always been seen as a good thing, but self-driving TRUCKS could soon be cutting into the livelihoods of nearly two million American truck drivers on the open Road. Truck driving actually is bigger than that--over 5 million people drive a truck for a living and in 29 states it is the number one occupation and the highest paying job that does not require a college education. That doesn't count the thousands of employees, small businesses, and wage earners who support truck drivers--at truck stops, gas stations, and distribution centers. Is the move to driverless trucks recessionary and deflationary?   Steve and Sinclair have the fact-filled report... then CPA Nick Stefaniak is in the house to talk about taxes, taxes, and more taxes!

Dec 29, 2016

What is your investment personality, and what style of investing is the best fit for your risk profile? Today Steve and Sinclair review six different investing styles:  Top-down vs Bottom-up investing, fundamental vs technical, and contrarian vs dividend investing. Then, IRS Enrolled Agent Doris Milton from H & R Block is here to discuss last minute tax deductions and planning for 2017.

Dec 28, 2016

Early retirement was once the rage, but Baby Boomers are bucking that trend...people are working longer these days according to the Wall Street Journal, and now more than 60% of those working over the age of 65 are working full time--up from 44% in 1995. But the reason is not economics--more and more people are working because they want to, not because they have to. Steve and Sinclair have the Wall Street Journal report.

Dec 27, 2016

Some investment advisors like to tout the so-called Endowment Model of investing--mimicking the investment methods of the endowment funds of Harvard, Yale, and other Ivy League schools. Once upon a time it was working. But through 2015, according to data from Harvard, which tracks 812 schools, the average endowment earned only 6.3% a year over the last 10 years before fees, compared with 6.8% for a passive 60%/40% blend of U.S. stocks and bonds. Steve and Sinclair have the Fortune Magazine report on an idea that may appear to be floundering!

Dec 23, 2016

Pop-up stores are popping up all over! This Christmas season, many mall owners are allocating about 5% of their leasable space to tenants that are "here today, gone tomorrow"--housed in white plastic modules inside spaces vacated by big tenants like Macy's and the Gap.

Meanwhile, the Wall Street Journal reports there may be trouble brewing in multi-family and Commercial Real Estate as a stealth provision of the Dodd-Frank bill kicks in before Donald Trump takes office... Then Steve points out how to increase your income and lower your fees with a new type of annuity benefit rider with a 20% benefit bonus.

Dec 22, 2016

The key numbers needed to calculate one of the most REVERED stock picking metrics is usually found on a company's cash flow statement. Learn what it is and why Warren Buffett and other legendary stock legends rely on it! Then estate planning attorney Richard Dwornik explains what to look for to know if your living trust is out of date.

Dec 21, 2016

Which store do you like better--Cabela's or Bass Pro Shops? Find out why the companies have merged and how they got started in a special Wall Street Journal report. Then Steve clears up how bonuses work on retirement annuities!

Dec 20, 2016
Have you heard about the idea of placing structured notes inside of variable annuities? 
Many variable annuity marketers are touting this idea as the greatest thing since sliced bread: The idea of placing Structured Notes (debt instruments) inside of variable annuities. The pitch is that you may be limiting losses to the downside to no more than 10% (plus the 4% loss to fees) while getting a share of the market's upside (less the 3% - 4% in fees).  Here's the problem: If the next ten years in the market are flat and your variable annuity charges you 3% to 4% a year in fees, you will pay out 30% to 40% of your money in fees alone. If the market is not strong, the whole exercise could be an expensive way to approach your retirement and watch your principal dwindle.  Why pay that much money in fees?  In this special podcast,  Steve reviews simpler, safer, and less expensive ways to receive more income than a variable annuity while simplifying your financial plan for your spouse.  Then Steve reviews why Monte Carlo simulations can be a very poor way to choose investments for your retirement plan due to a human trait, known as "Confirmation Bias."
Dec 20, 2016

Many experts warn against relying on Monte Carlo simulations to choose investments, because of the human tendency to see what we want to see. Psychologists call it Confirmation Bias. Steve and Sinclair discuss the pro's and cons of Monte Carlo simulation charts--and how they can lead to some very costly mistakes and poor money decisions!

Dec 19, 2016
Special Report:  The Fundamentals of Annuities and the Black Diamond Dividend™ Strategy.
Sinclair Noe quizzes annuity authority Steve Jurich on the differences between the four kinds of annuities which may be used for a 401k rollover:  immediate, variable, fixed, and fixed index. Learn how, when, and why to use each type, and which annuities are best suited for 401k/IRA rollovers. Then, Steve reviews how to incorporate a focused dividend strategy into your retirement mix, to methodically grow your money over time. Explore the dynamic combination of annuities alongside quality equity dividend reinvestment.
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