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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: May, 2018

May 24, 2018

New research published in the Wall Street Journal has determined that the long-standing 4% withdrawal rule for retirement income has officially changed to the THREE percent rule. That's right--while you were minding your own business, you got a pay cut and it could be permanent if you continue to follow the conventional wisdom! The biggest names in the retirement research arena have begun to warn that following old rules and old assumptions can put a retiring couple at great risk of running out of money due to two key factors:  We'll tell you what they are and how you can turn the numbers around to work in your favor with a unique NEW strategy!!  MASTERING MONEY is on the air!

May 23, 2018

Yesterday on Mastering Money, we reviewed what are known as non-spouse inherited IRAs. We learned that the rules for IRAs left to a brother, sister, niece, nephew, or other non-spouse have very specific rules that must be followed to a “T” by the beneficiary. Today, we'll review the many choices that a surviving spouse has when inheriting an IRA, including whether or not to take over the IRA herself or to remain a beneficiary, and three key strategies for making sure your  surviving spouse is well taken care of, even without buying any life insurance. You've got questions, we've got answers--MASTERING MONEY IS ON THE AIR!

May 22, 2018

If you are the son, daughter, brother, sister, or even a close friend of an IRA owner who has named you as their beneficiary, it's important that you—and the owner of the IRA—understand the rules that govern IRA inheritances.   Inherited, NON-SPOUSE IRA’s are a relatively new topic,  and often misunderstood.  One of the most common mistakes is the assumption that the non-spouse beneficiary can move the IRA into his or her own IRA. That’s not allowed. It must remain separate.  There are some very tricky rules that you will want to be very clear on---but we will simplify them for you today in the Market Intel segment. Then agricultural commodity expert Terry Shveda with Decadian joins us for the Q & A.  A big show today that you DON'T want to miss!  MASTERING MONEY is on the air!! 

May 21, 2018

...It’s a MOTLEY FOOL MONDAY!! The Motley Fool Money Show is one of America’s most popular radio programs dedicated to making money in the Stock Market. It's been heard by millions of listeners over the years across America--including right here on Money Radio, and now you can hear a special broadcast every Monday as part of MASTERING MONEY on Money Radio, presented by IQ Wealth. Get background on the week's top business and investing stories plus an inside look at stocks on their radar...It's a power-packed show for you today that you don't want to miss...MASTERING MONEY is on the air!

May 18, 2018

From 1989 to 2008, a twenty year time period, the S & P 500 averaged an 8.43% return. Because of the large bull run in stock in the 1990s, many people decided to retire right at the top in 1999. Having gotten used to 20% annual returns, many of those new retirees expected they could comfortably withdraw five percent annually from a fully invested equity account, and still watch their total net worth grow over time. Today, find out why an engineer in his sixties who retired with a million dollars--all in blue chip stocks at the end of 1999,  was left with less than three hundred eighty five thousand dollars just three years later--with thirty years to go in retirement. Did he get a "do over?" Unfortunately not! Find out what he got instead, in today's Market Intel segment--it's one that you definitely do not want to miss!  MASTERING MONEY is on the air!

May 17, 2018

When is the best time to retire—during a bull market or a BEAR market? Studies show that every one percent gain in the S & P increases the likelihood of those considering retirement to take the plunge and retire, by a factor of 2.5%. In other words, hard data shows that a person on the verge of retirement is 25% more likely to go ahead and retire if the S & P is up by 10%. If it is up by 20% the likelihood of deciding to retire rises by 50%. So, most people choose a bull market to retire into. Here’s the problem—retiring near the end of a bull market increases the risk of income failure in retirement-- dramatically! On today's show, we'll share data on just how risky it is to retire into an aging bull market, especially with these low interest rates. Steve will then explain how clients are retiring on a six figure income even if they don't have a million dollars. MASTERING MONEY is on the air!!

May 16, 2018

Is it worse to suddenly lose your financial nest egg or never to have saved any money at all? A recently released medical study, taken over twenty years and published in the Wall Street Journal says, that either way, there’s no happy answer. Both scenarios can increase a person’s risk of dying within the next 20 years by more than 50%! After the crash in 2008, there were notable spikes in clinical depression, substance abuse and suicides says the  Journal. The study was also published in the Journal of the American Medical Association, showing how losing one’s life savings in the short term might curtail one’s lifespan in the long term. Today , we'll explore what scientists say could be the solutions to living happier and longer in retirement, and why women are particularly at risk! First the problems, then the solutions!!  MASTERING MONEY is on the air!!

May 15, 2018

Portfolio performance encompasses both return AND risk. Smart investors who want to get beyond a haphazard approach and bring order into their portfolio always consider both the potential for gain-- and compare it to the risk being taken. These two key factors are expressed in two terms you hear often as an investor: Alpha and Beta.  Do you know how to use them?  Today, we'll get back to the basics and simplify them to help you make better financial decisions. The goal is grow your money with less risk--and we'll talk about several ways to do it on today's show.  MASTERING MONEY is on the air!!

May 14, 2018

..It’s a MOTLEY FOOL MONDAY!! The Motley Fool is one of America’s most popular radio programs dedicated to making money in the Stock Market. It's been heard by millions of listeners over the years, now you can hear a special broadcast of the Motley Fool every Monday on Mastering Money right after an update of late breaking financial news...it's a power packed show today that you don't want to miss...MASTERING MONEY is on the air!

May 11, 2018
One of the oldest fundamentals of investing is diversification.   It helps to offset the many risks we take when we invest capital. We all try to diversify. however, here's the problem:  when you diversify, it's true you could lose less, but you could also MAKE less! In fact, its almost guaranteed you will make less because those two-dollar-bets on the five horses that finish out-of-the-money dilute or even sink your gains on those that come in one, two, or three.  This is why bucketing your capital into distinct and separate financial buckets, each with its own task and time deadline is so effective. Today, we'll show you how to diversify your holdings with bucketing to increase income, lower risk, and grow your money over time. MASTERING MONEY is on the air!
 
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