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Mastering Money

Tune into one of the best retirement shows on the radio! Mastering Money is hosted by Certified Income Specialist™ and best selling author, Steve Jurich (pronounced Jur-itch). Steve is an experienced 20 year veteran of financial services and is licensed in securities, insurance, and real estate. He is a Certified Annuity Specialist® who reviews up to 2700 annuities on a regular basis. As a fiduciary, Steve’s clients enjoy access to the services of Fidelity Institutional, member FINRA, SIPC.
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Now displaying: Page 78

Feb 4, 2016

Many people hear the word “long-term care insurance” and think “nursing home.” The thought often ends there. Few want to end their life in a care facility, so why would they buy a product that enables them to do only that—wind up in a nursing home? Therefore, many people drop the idea or put it far on the back burner.

In reality, most people don't end up in an actual nursing home at the point that they start slowing down. All of us one day will face the prospect of needing some assistance with basic activities of daily living--but it all starts in your own home. Most people would prefer to stay in their own for as long as possible. It gets expensive, however. Care givers cost money. In fact, in home full time care can cost $8,000 a month on average. In home benefits are much more important to consider when you are looking at covering long term care contingencies in later life.
So, should you be buying an actual long term care policy? Is it worth it? And what are the alternatives? The good news is that there are a number of less expensive alternatives to long term care insurance. Steve and Sinclair review.

In the Q & A segment, estate planning attorney Richard Dwornik joins the A-Team to discuss the rising trend of pre-nuptial agreements for those remarrying in retirement.

 

Feb 3, 2016

Is your portfolio weighed down by Apple and other tech stocks? Are you wondering what's dragging them down?
It turns out that a surprisingly strong dollar ( in comparison to falling currencies world wide), is cutting deep into the bottom line for companies like Apple, Alphabet/Google, Oracle, and IBM.
Because tech companies now do more than half of their business overseas, currency wars are now a key element that must be calculated into portfolio construction.
Steve and Sinclair break down a Wall Street Journal report.

CFP® Murray Titterington with IQ Wealth Management, joins the A-Team for the Q &A. Topic: Dividend paying Utility Stocks and ETFs.

Feb 2, 2016

Do you feel jealous that you missed out on some big IPO deals? Maybe you got lucky after all. Once-highflying IPOs are wandering aimlessly in the wasteland of the public equity markets and understandably unloved by investors, say William Cohan writing for Fortune.

Many have familiar names, such as Zynga (down about 75% from its IPO price) Twitter (down 30%) , and Groupon (down 85%) . Online craft marketplace Etsy recently traded 56% below last year’s price at IPO and 77% under its first-day close. Others that are less well-known are out there, too—like Nimble Storage now 67% below IPO price and falling, round out a pathetic lineup. Steve and Sinclair review the IPO landscape.

Gary Kaultbaum joins the A-Team in segment 3 for a fast paced Q & A

Feb 1, 2016

Steve and Sinclair open with a review the markets after friday's big rise.
In segment 2, they dig into the estate planning fiasco of the late Robin Williams.
Even though Williams had a living trust and an irrevocable trust for some of his real estate, his kids and his second wife did not get along.
A number of issues arose that could have been avoided.

In segment 3, the Q & A, estate planning attorney Richard Dwornik joins the A-Team to review spendthrift provisions in living trusts.

Jan 29, 2016

With markets volatile to start the year, institutional and individual investors are making a run to dividend paying stocks. Ben Levisohn of Barron's points out that you must be more careful than ever.

Companies are paying out over 41 percent of their earnings while earnings decline. It can't continue indefinitely. Steve and Sinclair review. Very timely

Jan 27, 2016

Even with nearly $20 trillion in debt and climbing, the U.S. dollar is strengthening against virtually all currencies, especially the Chinese Yuan. The Fed has a problem with that.

China continues to fight battles with currency speculators, and is dependent on ever larger inputs of local bank credit to keep sputtering growth from declining further.

The slowdown in China is expected: “zombie” factories, empty apartment blocks, ghost town suburbs, mothballed power stations, and expensive infrastructure that nobody needs are everywhere. Steve and Sinclair review a Wall Street Journal report on how China is affecting the global economy and how it is altering the Fed's vision for interest rates. Get the intel.

In the Q & A Segment, CFP Murray Titterington with IQ Wealth joins the A-Team to explore the "Value Trap" when selecting stocks for your portfolio.

Jan 26, 2016

Nobody wants to be described as “easy prey,” but too many new real estate investors are, says investor Justin Pierce in The Washington Post. Unfortunately, he’s right: bad deals and advice abound, carefully calculated to part novices and veterans from their money.

Investors of all stripes must be alert to red flags on each and every investment opportunity. It’s all too easy to be snared by opaque metrics, shady dealings and not-as-advertised properties. Steve and Sinclair review the pros and cons of Crowdfunding real estate projects---the good, the bad, the ugly.

In the Q & A segment, commercial real estate attorney Christopher McNichol of Gust Rosenfeld joins the A Team to discuss the finer points of what happens when a seller suddenly decides to sell to someone else.

Jan 25, 2016

Steve reviews a new Blackrock survey of several thousand investors who say they are holding more cash than even THEY think they should.

Gold expert Nick Grovich sits down with Sinclair to talk about which gold investments are better poised for growth as markets get shaky.

Jan 25, 2016

Steve reviews a new Blackrock survey of several thousand investors who say they are holding more cash than even THEY think they should.

Gold expert Nick Grovich sits down with Sinclair to talk about which gold investments are better poised for growth as markets get shaky.

Jan 21, 2016

The computer systems that run our world—the ones that secure our financial information, protect our privacy and even keep our power grid running—all have a critical, unpatchable weakness, says Christopher Mims writing for the Wall Street Journal. It’s the humans who use them.

As the toll of data breaches and hacks mounts, and the specter of a “cyber Pearl Harbor” looms, it’s worth asking: how do we defend against a breach not of our computers, but of the minds sitting next to them?
Facebook, for example, is a huge trove of everything from our contacts to our whereabouts, and tons of information about us that we don’t even know we are revealing can be gleaned from it by clever algorithms, from our tastes to our politics.Friending strangers on Facebook through fake accounts— and then leveraging mutual connections to gain access to the network of a mark—is a common tactic of the “social engineering” style of hacking that is proliferating among today's bad guys.

You might ask who would be naive enough to be taken in. The answer is plenty. In one study of 150,000 test emails sent to two of its security partners, researchers at Verizon Enterprise Solutions found that 23% of recipients opened the email, and 11% clicked on the attachment, which under normal circumstances would have carried a payload of malware. Or, as Verizon’s 2015 data breach report so colorfully put it, “a campaign of just 10 emails yields a greater than 90% chance that at least one person will become the criminal’s prey, and from there, it’s bag it, tag it, and sell it to the butcher.”

But how can you keep human error out of the equation, for example,if you’re a J.P. Morgan Chase & Co.—which recently suffered a breach of data about 76 million households—and you have more than 250,000 employees?

Steve and Sinclair review a fascinating Wall Street Journal piece. In the Q & A segment, estate planning attorney Richard Dwornik joins the A-Team to discuss real world situations where a general durable power of attorney in combination with a trust could have worked but didn't, and why. In Segment 4, Steve reviews a real world Sting that you may have thought was just a story for a movie.

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