Thu, 1 December 2016
Is any job safe? Today Rob Black learns about a robot that makes sushi and wonders how automation will affect jobs in the future. He also discusses perks to using credit cards over debit cards in several situations and why he carries 3-4 different cards. Other topics include:
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
Encore Edition |
Tue, 29 November 2016
The DOW closes above 19,000 -what do you do now? I also discuss investing internationally under Trump trade agreements
Today the DOW closed above 19,000 –Is now the time to sell? I breakdown previous market highs and lows and review the makeup of the DOW vs the S&P 500. What two factors generally hurt large cap companies, but have caused small and mid cap stocks to rally the past 13+ days? Other topics include:
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
Encore Edition |
Tue, 22 November 2016
The DOW closes above 19,000 -what do you do now? I also discuss investing internationally under Trump trade agreements
Today the DOW closed above 19,000 –Is now the time to sell? I breakdown previous market highs and lows and review the makeup of the DOW vs the S&P 500. What two factors generally hurt large cap companies, but have caused small and mid cap stocks to rally the past 13+ days? Other topics include:
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
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Mon, 14 November 2016
Do you need to rebalance your portfolio to fit a Trump presidency? 8 things you need to be aware of before Trump becomes president
The market has taken some interesting ups and downs since the elections. Even though the DOW is at all-time highs I breakdown sectors that have gained v. those that have declined. I answer the one question you’ve probably been asking yourself “Do I need to change my portfolio based on a Trump presidency?” Other topics include:
Join Rob Black and I at one of our retirement workshops at the Elks Lodge in Palo Alto this Thursday. Admission is only $5 to learn about current market conditions, retirement planning issues and estate planning strategies. Click HERE to sign up!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
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Thu, 10 November 2016
Emotions are running high around the country since Donald Trump has beaten Hillary Clinton in the White House race. Rob Black attempts to calm the waters by looking at other Presidents who were supposed to destroy the country and what the middle-right could bring to the table. Other topics include:
Join Rob Black and I at one of our next retirement workshops at the Elks Lodge in Palo Alto. Admission is only $5 to learn about current market conditions, retirement planning issues and estate planning strategies. Click HERE to sign up!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
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Wed, 9 November 2016
What will happen to the market tomorrow when the election is over? Candidates need to step up and address the big tax issues that are keeping our nation back. Other topics include:
Join Rob Black and I at one of our next retirement workshops at the Elks Lodge in Palo Alto. Admission is only $5 to learn about current market conditions, retirement planning issues and estate planning strategies. Click HERE to sign up!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
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Mon, 7 November 2016
Will these new DOJ rules help Americans save for retirement? See what they think you should be doing with your 401k.
Holiday season is around the corner and the kids will be coming home. Take advantage of this time to do more than just catch up, educate them about money mistakes to avoid and help set them on the path to proper saving. The Department of Justice rolls out new rules trying to get bad annuities out of the 401k rollovers market all while pushing indexing and ETF investments instead. Other topics include:
Join Rob Black and I at one of our next retirement workshops at the Elks Lodge in Palo Alto. Admission is only $5 to learn about current market conditions, retirement planning issues and estate planning strategies. Click HERE to sign up!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
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Tue, 1 November 2016
Fidelity Charitable changes the way we donate, allocating safe money based on your retirement date and more investing nightmares
United Way used to be the largest charity in the United States. That honor now belongs to Fidelity Charitable who is changing the way Americans give with the use of tax-friendly donor-advised funds. What is the best way to gift appreciated stock? Other topics include:
Join Rob Black and I at one of our next retirement workshops at the Elks Lodge in Palo Alto. Admission is only $5 to learn about current market conditions, retirement planning issues and estate planning strategies. Click HERE to sign up!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
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Thu, 13 October 2016
Should you be wary of some real estate investments? Rob also discusses financial regrets and credit card positives
There are countless ways to create wealth, but there are some concepts you should be wary of. Rob Black warns us against annuities with high commission costs and provides several reasons why purchasing foreclosed properties are rarely the deal you hope them to be. Other topics include:
Email your money question to chad@newfocusfinancial.com, or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
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Mon, 10 October 2016
Prenups, Freedom Funds, Collaborative Divorce. Financial issues where the advisor ends up the unofficial marriage counselor.
Financial issues remain one of the major causes of divorce, but should you own a Freedom Fund going into a marriage? The relatively new Collaborative Divorce effort presents a better mediation process. I also take a look at how to properly present a prenup and protect family money in an estate plan.
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
Direct download: Newfo-0926-1600_Evergreen_W_ELECTIONTALK32kencore.mp3
Category:general -- posted at: 3:00pm PDT |
Mon, 3 October 2016
Donald Trump legally takes advantage of NOLs in the tax code and who should be concerned with the elections outcome?
Does it really matter who wins the presidential election? Both candidates have major faults that are causing uncertainty, but which two groups of voters bear the most risk going into the election and what should their plan be? Other topics include:
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
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Thu, 29 September 2016
Rob discusses the pros and cons of OPEC production cuts and balancing difficult financial decisions at every age
OPEC agrees to cut oil production, who are the winners and losers in this decision? Rob Black discusses this among other news stories including what will happen when the feds raise rates, what stocks you may want to own depending on the presidential election outcome, Deutsche bank’s $14 billion fine and the all-glass iPhone 8 rumors. He also talks about general money issues and scenarios such as balancing money management and happiness at any age and understanding how much you spend and on what.
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Wed, 28 September 2016
Prenups, Freedom Funds, Collaborative Divorce. Financial issues where the advisor ends up the unofficial marriage counselor.
Financial issues remain one of the major causes of divorce, but should you own a Freedom Fund going into a marriage? The relatively new Collaborative Divorce effort presents a better mediation process. I also take a look at how to properly present a prenup and protect family money in an estate plan.
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
Direct download: Newfo-0926-1600_Evergreen_W_ELECTIONTALK32k.mp3
Category:general -- posted at: 8:23pm PDT |
Tue, 20 September 2016
Timing means everything when it comes to rebalancing your portfolio, but how can you keep it simple and still get decent results? How does this affect your retirement income strategy? What do you do when you’re still building wealth? Other topics include:
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
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Mon, 19 September 2016
How should you prepare for the next market correction? I also share seven ways to maximize social security benefits
Today I address market concerns which include high P/E ratios, REIT sector debuting in the S&P 500 today, market ties to politics which are delaying the rate hike and the Wells Fargo scandal. I also explain how you prepare for market corrections at different ages. How can younger generations avoid falling victim to fear and greed investment pitches on social media? How do retirees time the market? Other topics include:
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
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Thu, 8 September 2016
Are we due for a recession? Rob Black dissects situations that have a major impact on the economy such as the European Central Bank deciding against policy changes, oil prices creeping up but remain overall low due to a slowed global economy. Rob discusses stock market yields of Apple, TJ Maxx and Mylan Labs. He also talks about situations we will be discussing at this weekend’s seminar in San Rafael and mentally preparing yourself for the next market correction.
Don’t forget to register for our Retirement & Wealth Preservation seminar this Saturday morning, September 10th at Four Points by Sheraton in San Rafael. Starting at 9 a.m. Rob Black, Michelle Lerman and I will cover strategies to help with complicated retirement wealth and estate plans. Registration is only $5 so click HERE to sign up! Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
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Tue, 6 September 2016
Are economic numbers being measured correctly? I also explain the financial side of illegal immigration and why ETF's are shutting down
Are economic numbers being measured correctly? The Institute for Supply Management conveniently reports a slowdown in manufacturing before elections, decreasing possibility of rate hike. I then focus on the financial aspects of immigration pointing out flaws in the argument for legalizing illegal immigrants simply to make them tax payers. Other topics include:
Don’t forget to register for our Retirement & Wealth Preservation seminar on September 10 at Four Points by Sheraton in San Rafael where Rob Black, Michelle Lerman and I will cover strategies to help with complicated retirement wealth and estate plans. Registration is only $5 so click HERE to sign up!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
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Tue, 30 August 2016
Rob Black sits in and talks about some of this quarters biggest headlines including Stanley Fischer’s comments on productivity, growth and rates, Apple owing €13 billion in taxes to Ireland, crude oil, Walmart buying Jet and an ISIS leader reportedly killed in Syria. Other topics include:
Don’t forget to register for our Retirement & Wealth Preservation seminar on September 10 at Four Points by Sheraton in San Rafael where Rob Black, Michelle Lerman and I will cover strategies to help with complicated retirement wealth and estate plans. Registration is only $5 so click HERE to sign up!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Mon, 29 August 2016
Could we be seeing changes to the tax code? I also discuss 401k fee solutions and passive vs. active managed funds
Is a new tax code on the horizon? I discuss the US Treasury Departments’ proposal to eliminate a strategy that allows business owners to reduce estate and gift taxes for their heirs. I also discuss S&P 500’s above average revenue and earnings performance even though 5 sectors report year over year declines and Japan’s flattened GDP issues which are worse than ours. Other topics include:
Don’t forget to register for our Retirement & Wealth Preservation seminar on September 10 at Four Points by Sheraton in San Rafael where Rob Black, Michelle Lerman and I will cover strategies to help with complicated retirement wealth and estate plans. Registration is only $5 so click HERE to sign up!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
Encore Edition |
Tue, 23 August 2016
I discuss the American Opportunity Tax Credit, avoiding taxes on social security and the death of traditional retirement planning
I express my frustration over parents who sacrifice their retirement plan due to college costs and the lack of wage inflation among the middle class. I then talk about the American Opportunity Tax Credit which can shave $10,000 off the cost of a college education, explaining where to find more information and who is eligible. Other topics include:
Don’t forget to register for our Retirement & Wealth Preservation seminar on September 10 at Four Points by Sheraton in San Rafael where Rob Black, Michelle Lerman and I will cover strategies to help with complicated retirement wealth and estate plans. Registration is only $5 so click HERE to sign up! Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
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Mon, 22 August 2016
Do you hold stock through your company? I share how to handle stock when approaching retirement, the number 1 rule for stock option planning and basic types of stock options. I also explain when you should consider selling and how to correctly report taxes so you don’t end up paying twice. Other topics include:
Don’t forget to register for our Retirement & Wealth Preservation seminar on September 10 at Four Points by Sheraton in San Rafael where Rob Black, Michelle Lerman and I will cover strategies to help with complicated retirement wealth and estate plans. Registration is only $5 so click HERE to sign up!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
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Thu, 18 August 2016
Is any job safe? Today Rob Black learns about a robot that makes sushi and wonders how automation will affect jobs in the future. He also discusses perks to using credit cards over debit cards in several situations and why he carries 3-4 different cards. Other topics include:
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
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Mon, 15 August 2016
Could we be seeing changes to the tax code? I also discuss 401k fee solutions and passive vs. active managed funds
Is a new tax code on the horizon? I discuss the US Treasury Departments’ proposal to eliminate a strategy that allows business owners to reduce estate and gift taxes for their heirs. I also discuss S&P 500’s above average revenue and earnings performance even though 5 sectors report year over year declines and Japan’s flattened GDP issues which are worse than ours. Other topics include:
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
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Mon, 8 August 2016
Is a rate hike still on the table this year? I also discuss baby boomers taking required minimum distributions and millennial investment fears
Could we see a rate hike this December? Today I dissect Professor Jeremy Siegel’s comments on how strong employment and wage numbers could keep December in play for a rate hike. I also take a look at the market new which includes ugly trade numbers from China , Walmart buying Jet.com and the FTC focusing on better regulations for celebrities being involved with social media advertisements. Other topics include:
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
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Tue, 2 August 2016
What drove the market to where it is today and are we seeing signs of inflation? I also catch up on listener emails
The markets pulled back in earnings today, but companies are still beating overall expectations. Today I look at some of the negatives hurting the market which includes stock buybacks and Donald Trump’s remarks on investing. Are we starting to see signs of inflation and where is it coming from? I then discuss Social security claiming strategies and their risks. I also respond to several listener emails:
To learn more about Wake the World, get involved by clicking HERE to donate or volunteer.
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
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Thu, 28 July 2016
Rob Black and I get geared up for tonight’s 10 Pillars of Retirement seminar at Double Tree by Hilton in Burlingame. If you’re planning on retiring within the next 10 years Rob Black, Michelle Lerman and I will focus on retirement and estate planning issues that increase your chances for an ideal retirement. Topics for today’s show include:
There's still time to sign up for tonight's 10 Pillars of Retirement Income Planning seminar at Double Tree by Hilton in Burlingame. The seminar begins at 6:30 p.m. and registration is only $5 so click HERE to sign up!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
Direct download: Newfo-0728-1600_w_RBCB_seminar_promo32k.mp3
Category:general -- posted at: 3:35pm PDT |
Thu, 21 July 2016
Rob Black analyzes what happened in today’s market, discusses Tesla’s expansion plans and demographic investing themes
The market has posted lots of record highs lately, but what has bought us here? Rob Black takes a look at defensive stocks (telecom, utilities and healthcare) which did well today and why the losers (materials, industrials and energy) are causing a little fear in the market. Other topics include:
Don’t forget to sign up for our 10 Pillars of Retirement Income Planning seminar on Thursday, July 28th at Double Tree by Hilton in Burlingame. Rob Black, Michelle Lerman and I will share investment ideas and estate planning mistakes to avoid that will help you live well for decades. Registration is only $5 so click HERE to sign up!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
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Mon, 18 July 2016
Why is the market up post-Brexit? I also discuss REIT's volatility and poke holes in an improving retirement article
Brexit was supposed to destroy the economy, so why have stocks and bonds rallied the past three weeks and why have earnings fallen since last year? I also talk about emerging market stocks and three reasons to stay globally diversified. Other topics include:
Don’t forget to sign up for our 10 Pillars of Retirement Income Planning seminar on Thursday, July 28th at Double Tree by Hilton in Burlingame. Rob Black, Michelle Lerman and I will share investment ideas and estate planning mistakes to avoid that will help you live well for decades. Registration is only $5 so click HERE to sign up!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
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Thu, 14 July 2016
Rob Black sits in and gives us the big picture look of today’s economy. Markets are at all time highs despite Brexit, highs and lows in oil supply and other major scares that were supposed to destroy the economy. He also discusses Amazon Prime day as the biggest shopping day, Britain’s Post-Brexit economy, the market showing more faith in staples over technology, Donald Trump closing the gap on Hillary Clinton, Japan’s new messaging app Line, Netflix and HBO GO- Is content king or is streaming, the 10 Pillars of Retirement Seminar and social security mistakes, augmented reality technology, Warren Buffet’s comments on interest rates causing irrational competition and more.
Don’t forget to sign up for our 10 Pillars of Retirement Income Planning seminar on Thursday, July 28th at Double Tree by Hilton in Burlingame. Rob Black, Michelle Lerman and I will share investment ideas and estate planning mistakes to avoid that will help you live well for decades. Registration is only $5 so click HERE to sign up!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
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Mon, 11 July 2016
What you need to share with your financial planner, simple ways to decrease estate costs and IRA vs.Roth IRA’s
Choosing a financial planner means finding a person you trust with your most personal and sensitive information. Today I share a list of information and concerns you need to share with your financial planning team upon the first meeting. I then give a quick overview of what Rob Black, Michelle Lerman and I will be discussing at this month’s Retirement Seminar in Burlingame and explain the Health Savings Accounts article available on our blog. I also discuss simple steps to decrease your estate costs and IRA vs. Roth IRA- Which is better?
Don’t forget to sign up for our 10 Pillars of Retirement Income Planning seminar on Thursday, July 28th at Double Tree by Hilton in Burlingame. Rob Black, Michelle Lerman and I will share investment ideas and estate planning mistakes to avoid that will help you live well for decades. Registration is only $5 so click HERE to sign up!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
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Tue, 5 July 2016
Will the stock market go up in the second half of the year? I also discuss Brexit, stay at home parenting costs and MediCal planning
Will the feds ever raise rates in a post-Brexit world? Today I discuss global market news such as Brexit and odd outcomes of elections around the world. I also cover comments from Prof. Jeremy Siegel on what could cause earning to rise by year end. Other topics include:
Don’t forget to sign up for our 10 Pillars of Retirement Income Planning seminar on Thursday, July 28th at Double Tree by Hilton in Burlingame. Rob Black, Michelle Lerman and I will share investment ideas and estate planning mistakes to avoid that will help you live well for decades. Registration is only $5 so click HERE to sign up!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
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Tue, 28 June 2016
More Brexit related uncertainty in the market, 5 challenges facing the next wave of retirees and how do Roth conversions affect your tax bracket?
The market looks set to remain rather unimpressive this quarter despite today’s jump thanks to Brexit related uncertainty. Brits are now grasping what they’ve voted for now that there are calls for a second vote and articles circulating such as Is Brexit Really As Distruptive As We Think or 4 Things That Have To Happen [now that the UK has left the European Union]. Other topics discussed today include:
Don’t forget to sign up for our 10 Pillars of Retirement Income Planning seminar on Thursday, July 28th at Double Tree by Hilton in Burlingame. Rob Black, Michelle Lerman and I will share investment ideas and estate planning mistakes to avoid that will help you live well for decades. Registration is only $5 so click HERE to sign up!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
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Tue, 14 June 2016
Brexit and other Wall Street stories that dominate the market before I catch up on the emails from several listeners
I open today’s show by giving my take on how MSCI deciding against the inclusion of mainland shares in the Chinese index, a potential bond trap stemming from Brexit and some positive light on extremely volatile mortgage REITs among other Wall Street stories affect your portfolio. Yesterday’s discussion about Roth IRA conversions comes up again while responding to a couple questions about Roth conversions in kind and converting from a 401k to spread out taxes. James from Piedmont calls with some concern about the future of telecom and utilities P/E rates. Other topics today include:
There's still time to sign up for this Thursdays 10 Pillars of Retirement Income Planning seminar at Double Tree by Hilton in Burlingame. Rob Black, Michelle Lerman and I will share investment ideas and estate planning mistakes to avoid that will help you live well for decades. Registration is only $5 so click HERE to sign up or email me for the free code to get in!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
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Tue, 7 June 2016
Today I discuss overlooked retirement expenses, financial regrets most Americans have and how to correctly loan money to your children to buy a home.
Most Americans live without a detailed budget set in place; I go over several retirement expenses that are often overlooked or underestimated yet hold a major impact on your retirement. Why do we need the feds to raise rates this year? Do we see signs of inflation? According to the US Department of Health and Human Services, 70% Americans 65+ will need some form of extended care, how do you plan for this possibility? I then discuss a Bankrate survey that says most Americans have financial regrets. I also explain the correct way to loan money to your children for a down payment.
Don’t forget to sign up for our 10 Pillars of Retirement Income Planning seminar on Thursday, June 16th at Double Tree by Hilton in Burlingame. Rob Black, Michelle Lerman and I will share investment ideas and estate planning mistakes to avoid that will help you live well for decades. Registration is only $5 so click HERE to sign up!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
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Tue, 24 May 2016
What qualifies as a successful retirement? I explain why it’s more than not being reliant on fixed amounts. I then take a look at living trusts and life insurance issues by discussing bypass trusts, by leaving an IRA to your kids, the Department of Labor rule that prevents sales of bad financial products and why life insurance sales are decreasing. I also respond to a couple of listener emails. One couple asks what they should do with their assets when they don’t trust anyone to sell or donate them after their death. Another couple has a family revocable living trust are unsure who to label as the beneficiary of their IRA accounts.
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
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Tue, 17 May 2016
Today I discuss overlooked retirement expenses, financial regrets most Americans have and how to correctly loan money to your children to buy a home.
Most Americans live without a detailed budget set in place; I go over several retirement expenses that are often overlooked or underestimated yet hold a major impact on your retirement. Why do we need the feds to raise rates this year? Do we see signs of inflation? According to the US Department of Health and Human Services, 70% Americans 65+ will need some form of extended care, how do you plan for this possibility? I then discuss a Bankrate survey that says most Americans have financial regrets. I also explain the correct way to loan money to your children for a down payment.
Don't forget about our upcoming seminar this Thursday at Four Points by Sheraton San Jose Airport where Rob Black and I will explain how to build a retirement portfolio that lasts. Registration is only $5 so click HERE to sign up! Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
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Mon, 16 May 2016
First quarter blended earnings decline, no-brainer social security fixes that aren’t and how 20% are still working past age 65.
Today I discuss the 7.1% decline of blended earnings for the first quarter of 2016, citing a drop of 107% in the energy sector alone as a major contributor. I also explain why the volatility of oil prices may not be over even though there has been supply interruptions. Jeffrey Gundlach weighs in on the Presidential campaign by discussing the possibility of Donald Trump increasing the budget deficit while producing short term economic gain. This spurs a discussion about global debt issues, rate hikes and tackling US debt. I explain some repercussions to “no-brainer” social security fixes and the ONLY two instances where immediate annuities are a good idea. I also share some alarming numbers from the Bureau of Labor and Statistics about people working past retirement age and how to avoid working after age 65.
Don't forget about our upcoming seminar this Thursday at Four Points by Sheraton San Jose Airport where Rob Black and I will explain how to build a retirement portfolio that lasts. Registration is only $5 so click HERE to sign up!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
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Tue, 3 May 2016
Rob opens today's show with several stories including one that shows just how expensive real estate in the Bay Area has become. He then relates this story to the oil crisis and explains how understanding supply and demand helps to understand investing. Other topics discussed today include:
Don't forget about our upcoming seminar at Four Points by Sheraton San Jose Airport on May 19th where Rob Black and I will explain how to build a retirement portfolio that lasts. Registration is only $5 so click HERE to sign up!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
Encore Edition
Direct download: Newfo-0328-1600_RB_evergreen_Corrected_intro32k.mp3
Category:general -- posted at: 3:00pm PDT |
Mon, 2 May 2016
Today I discuss dealing with children who are bad with money, taking a trial run at retirement and studying abroad with a 529 plan.
A conversation I overheard bringsup a discussion about dealing with children who are bad withmoney,especially when it affects your estate plan. I thendiscuss leaving money in a living trust and naming atrustee. A Bloomberg article about American’s choosingto study abroad leads me to explain how 529 plans can be usedoutside of the US. Why you should take a trial run at retirement. Irespond to Dan’s question about where to keep safe money andprovide an interesting alternative to an FDIC. Bad rules of thumbfor retirement planning.
Don'tforget about our upcoming seminar at Four Points by SheratonSan Jose Airport on May 19th where Rob Black and I will explainhowto build a retirement portfolio that lasts. Registration isonly $5 so click HERE to sign up! Email your money question to chad@newfocusfinancial.com,or callthe show at 1-800-516-1220 from2:00-3:00p.m.(PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planningservices or visit www.NewFocusFinancial.com. Encore Edition |
Mon, 25 April 2016
On today’s show I explain maximizing your income taxes through proper tax bracket management. This starts with making sure your IRA withdrawal and Roth conversion plans match your estate planning goals. You may want to take advantage of a Stretch Roth IRA or Stretch IRA in your estate plan. I then move on to other estate planning mistakes such as non-qualified annuities, creating a separate trust for younger or spendthrift children, not using IRA's to donate to charities and estate planning tips if you have saved $5.5 million or more. Towards the end of the show I discuss what needs to be done after someone dies, from getting the estate tax ID number and death certificates to contacting social security and other professionals.
Don't forget about our upcoming seminar at Four Points by Sheraton San Jose Airport on May 19th where Rob Black and I will explain how to build a retirement portfolio that lasts. Registration is only $5 so click HERE to sign up!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
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Mon, 11 April 2016
First quarter reviews and earning reports, helping your retired parents financially and the Pfizer-Allergan debacle.
Today I review what has happened in an overall flat first quarter ranging from the possible “bottoming” of commodities to the positive performances from emerging markets and small cap funds topping the index. James from Piedmont calls up to get my opinion about the new tax-inversion rules that killed the Pfizer-Allergan merger and clear up a previous statement about contributing to your Roth IRA after filing tax returns for Jeff. I also discuss the Department of Labor finally confronting the rollover abuse that has cost retirees thousands of dollars every year and go over how you benefit from a financial planner. How to be your parents’ financial helper. Don't forget about our upcoming seminar at Four Points by Sheraton San Jose Airport on May 19th where Rob Black and I will explain how to build a retirement portfolio that last. Registration is only $5 so click HERE to sign up!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Thu, 7 April 2016
As Americans continue to work longer hours time for activities diminishes along with everything else, and cooking falls pretty low on the priority list. This week Kym talks with several CEO’s and investors who are taking advantage by bringing healthy meals to you. First in studio is Methodology CEO, Julie Nguyen, who share how her previously unhealthy lifestyle led to the creation of a business that cooks meals and delivers to your doorstep. Kym then calls up Bento CEO, Jason Demant, who tells us what he learned from similar business SpoonRocket and how he tweaked the ordering format so his Asian cuisine stands a better chance at success. Munchery co-founder, Tri-Tran, discusses how he is competing with the already popular Blue Apron. Sprig investors Justin Waldron and Amitt Mahajan call in to talk about what drew Justin to Sprig when he is the co-founder of Zynga gaming. Farmville co-founder Amitt talks about the evolution of food delivery with drones. Kym also talks with Gagan Biyani, Sprig CEO and Julie’s biggest competitor, who explains why people would choose Sprig over their favorite restaurant that delivers and the future of this market.
To have your questions answered by Kym and her guests call 1-800-516-1220 on Thursdays from 2:00-3:00 p.m. (PDT)
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Tue, 5 April 2016
I talk about protecting our southern border by building a big beautiful wall and a moat that has sharks with frickin laser beams attached to their heads. I also discuss running tax projections before you incorporate.
Today I discuss a few self-employment situations and compare filing as a sole proprietor vs. an S-corp. I explain FICA taxes and when you should create an S-corp or LLC. A news article prompts me to remind people to protect themselves by using a custodian. Other topics include:
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Mon, 4 April 2016
Today I discuss first quarter results, old retirement rules of thumb and the proper way to tackle debt.
I start out today’s show with an update on S&P 500 performance and junk bond results before chewing out the mortgage industry and other financing professionals for sending documents via email with social security numbers. I then provide several situations that demonstrate why you should throw out old rules of thumb for calculating how much you need to save for retirement. Also discussed today:
I also respond to an email from Jeff who has three years of safe money saved up with more than 5 years to retirement and I explain the backdoor Roth IRA contributions to Mary.
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Mon, 28 March 2016
Rob opens today's show with several stories including one that shows just how expensive real estate in the Bay Area has become. He then relates this story to the oil crisis and explains how understanding supply and demand helps to understand investing. Other topics discussed today include:
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Tue, 22 March 2016
Today I discuss dealing with children who are bad with money, taking a trial run at retirement and studying abroad with a 529 plan.
A conversation I overheard brings up a discussion about dealing with children who are bad with money, especially when it affects your estate plan. I then discuss leaving money in a living trust and naming a trustee. A Bloomberg article about American’s choosing to study abroad leads me to explain how 529 plans can be used outside of the US. Why you should take a trial run at retirement. I respond to Dan’s question about where to keep safe money and provide an interesting alternative to an FDIC. Bad rules of thumb for retirement planning.
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Tue, 15 March 2016
Rob Black discusses avoiding a retirement savings crisis and what the turnaround in the market actually means.
Today Rob Black talks about several news stories including Avon planning to cut jobs and move headquarters, Obama blocking oil drilling in Atlantic waters, and Lyft teaming up with General Motors to start a short term rental program. He also talks to us about avoiding a retirement savings crisis as the amount of poor Americans is expected to triple by 2050. Rob and I discuss which media sources we trust for financial data and talk about quantitative easing. Patrick O’Hare tells us why the turnaround in the market does not mean everything is well in the economy and if slow growth means we are headed for a recession.
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Mon, 7 March 2016
Rob Black explains the impact of Steph Curry’s Under Armour deal on shares and Apple users being targeted by hackers.
Rob Black gets us excited about investing by announcing Under Armour’s deal with Steph Curry and its potential impact on Under Armour shares. I call in for a discussion on properly investing in term life insurance, differences between investing as a couple vs. investing a single person and retitling assets. Rob also discusses:
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Tue, 1 March 2016
Jack Mohr and I discuss what is driving today's' market, Apple refusing to unlock an iPhone and fiscal issues that need to be addressed.
Jack Mohr calls in to talk about China positively driving US markets and the Feds avoiding major fiscal issues resulting in many people failing to invest in the market. We also discuss if Apple is going too far to protect their brand by refusing to handover one phones data to the FBI and the resurgence of US banks. Other topics for today include:
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Tue, 23 February 2016
Rob Black discusses Fitbit’s 14% drop, millennial focused ETF’s and the markets return from crisis mode.
Rob Black shares several market stories including Home Depot's 4th quarter dividends increase, airline companies raising prices after hitting 5 year lows, Chipotle suffering from menu fatigue and Fitbit’s future after a sharp drop. I call in to talk about the dangerous trend of companies creating millennial-centric ETF’s that focus on only tech sectors and estate planning tips with millennials in mind. Patrick O’Hare calls in and explains the markets turnaround from crisis mode to normal in a two week span. He also gives us his opinion about the uncertainty surrounding Janet Yellen, the next direction for housing after 6 years of steady recovery and the possibility of internet stocks hitting a bubble. Rob then takes call from Jesse who saved diligently for retirement, but didn’t factor in the healthcare costs for Parkinson’s disease which he was diagnosed with 3 years ago.
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Mon, 22 February 2016
Today I discuss S&P 500 earnings results and which sectors are outperforming. I review asset classes and sectors where many managers are bargain hunting for deals for the next five years. I give my input on real estate prices and cover:
I also take a call from Bill with a question on adding additional income to his portfolio with a dividend growth ETF.
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Tue, 16 February 2016
Today I take a look at what is going on with earnings and some specific emotional issues affecting the market. I explain some basic portfolio assumptions, using your extra money to invest or pay off your mortgage and how earthquake insurance fits into that decision. I also respond to an email from Barry about using options to protect wealth.
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Tue, 9 February 2016
Rob Black discusses the S&P 500 correction, reducing your mortgage rates and the overall feel of the market.
Rob Black takes over as host today and calls me up for some commentary about 60% of S&P 500 stocks having a correction. I also offer some planning opportunities to consider in a bear market. Tony Mendes calls in and explains if you should pay points to reduce the loan rate on your mortgage. He also chats with Patrick O’Hare about the markets exposure to China, if there are any areas of value currently in the market and investing in this environment. Rob also talks about the recent growth in job openings and a Super Bowl ad that is creating alarm.
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Mon, 1 February 2016
Rob Black takes over for me today and opens by discussing how millennials will shape future stock markets with their preference to spend money on experiences over material goods. He also gives us about several investing strategy tips that bear repeating:
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
Direct download: Newfo-0201-1600_w_comp_redo_of_robs_show32k.mp3
Category:general -- posted at: 3:19pm PDT |
Tue, 26 January 2016
Today I review Apple’s slowed growth with Rob Black, withdrawal rates in retirement and help you get ready for taxes.
Today I discuss Apple reporting its best profit ever despite dwindling iPhone sales and overall growth. I explain how energy related stocks like oil can make the entire S&P 500 look bad. I then give a quick synopsis of the topics that Rob Black, Michelle Lerman and I will expand upon at this Thursday’s 10 Pillars of Retirement seminar. Most people don't even know about the 4% withdrawal guideline, let alone the fact that it is in danger. I also tell you what you need to with your CPA about as you prepare for taxes.
Don't forget to register for our 10 Pillars of Retirement seminar on January 28th at the Elks Lodge in Palo Alto. Rob Black, Michelle Lerman and I will explain several issues that will increase your chances at an enjoyable retirement. Tickets are only $5 and begins after work at 6:30 p.m. this Thursday, so click HERE to sign up!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Tue, 19 January 2016
Today I go through a list of things that need to happen before we see stock market stabilization and answer the questions of several listeners.
I express frustration over reporters who act like they are calling market ups and downs, persuading many to mess with their portfolios when they have zero experience in the business. I then go through a “laundry list” of things that need to happen before we see stabilization in the stock market; focusing on Chinese currency stability and an end to their government intervening, Apple's explanation for the slowdown in suppliers and oil causing uncertainties in many companies. I also respond to several listeners emails:
Don't forget to register for our 10 Pillars of Retirement seminar at the Elks Lodge in Palo Alto . Rob Black, Michelle Lerman and I will explain several issues that will increase your chances at an enjoyable retirement. Tickets are only $5 and begins after work at 6:30 p.m. on Thursday, January 28th so click HERE to sign up!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Mon, 18 January 2016
Today I discuss China's currency manipulation, Bill Gross encouraging exposure to developing markets and respond to several listener emails.
Today I discuss China's currency manipulation as well as some commentary from bond investor Bill Gross who is encouraging exposure to developing markets due to the difference in demographics vs. the USA. Last week I learned of the untimely death of a high school friend which prompts the discussion of protecting your family in the event of an early death or disability. I also respond to the emails of several listeners:
Don't forget to register for our 10 Pillars of Retirement seminar at the Elks Lodge in Palo Alto . Rob Black, Michelle Lerman and I will explain several issues that will increase your chances at an enjoyable retirement. Tickets are only $5 and begins after work at 6:30 p.m. on Thursday, January 28th so click HERE to sign up!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
Encore edition |
Tue, 12 January 2016
Today I discuss China's currency manipulation, Bill Gross encouraging exposure to developing markets and respond to several listener emails.
Today I discuss China's currency manipulation as well as some commentary from bond investor Bill Gross who is encouraging exposure to developing markets due to the difference in demographics vs. the USA. Last week I learned of the untimely death of a high school friend which prompts the discussion of protecting your family in the event of an early death or disability. I also respond to the emails of several listeners:
Don't forget to register for our 10 Pillars of Retirement seminar at the Elks Lodge in Palo Alto . Rob Black, Michelle Lerman and I will explain several issues that will increase your chances at an enjoyable retirement. Tickets are only $5 and begins after work at 6:30 p.m. on Thursday, January 28th so click HERE to sign up!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Mon, 11 January 2016
Today I discuss the 2016 economy outlook, alternative investment strategies and critical dates for retirees.
Today I discuss the overall flat day on the market for Wall Street as European stocks close at their lowest since September and energy companies (taking the biggest hits) overall pulling down the index. I then explain why you should have a positive outlook on 2016 as central banks may finally be recognizing they have been over involved in economy. Other topics for discussion include:
I also take a call from Michael who asks if he should keep his long term care policy he bought from GE after it has been bought by another company.
Don't forget to register for our 10 Pillars of Retirement seminar at the Elks Lodge in Palo Alto . Rob Black, Michelle Lerman and I will explain several issues that will increase your chances at an enjoyable retirement. Tickets are only $5 and begins after work at 6:30 p.m. on Thursday, January 28th so click HERE to sign up!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Tue, 5 January 2016
Today I discuss financial New Year’s resolutions, new rules for your IRA’s and 401k’s, and answer some listener emails.
I open today’s show by talking about how municipal bonds outperformed other strategies in 2015. I go over some financial New Year’s resolutions I feel many people need to focus on including why you should rebalance your portfolio at least once this year. I then talk about the new budget deal that allows people to roll over required minimum distribution’s from IRA’s to charities and the new rules that allows employers to let workers make in plan conversions from their 401k to their ROTH 401k. I also respond to emails: Brian's elderly aunt has been taken advantage of financially by other family members and he wants to help protect her assets; and Adam who wants to know the best way to leave his son a house and his daughter his IRA in trust.
Don't forget to register for our upcoming seminar at the Elks Lodge in Palo Alto on Thursday, January 29. Click HERE to sign up!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Mon, 4 January 2016
Today I discuss events that have led 2016 to a poor start, could junk bonds be the next big crisis and retirement scams.
Today I talk about the large drop in the Shanghai index spilling over to our market on the first day of trading in 2016. I discuss whether or not junk bonds may cause the next big economic crisis. I also explain why I think these seminars that coach people to cash in their retirement accounts to buy index life insurance are criminal. Other items for discussion:
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Tue, 29 December 2015
I answer questions about distributions from mutual funds, company stock and fund fees in a 401k and what to do when your HR department gives you nothing but bad choices to pick from. I also answer several other listeners' questions:
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visitwww.NewFocusFinancial.com. Mashup Edition
Direct download: Newfo-1216-1400_and_1020-1500_evergreen_mashup32k.mp3
Category:general -- posted at: 1:50pm PDT |
Tue, 15 December 2015
I discuss Third Avenue Focused Credit Fund suspending junk bond withdrawals and explain charitable remainder unitrusts.
I talk about the Federal Reserve meeting happening today and the first potential rate hike since 2006. I also discuss other market news such as the crash in oil prices and the rising US dollar affecting companies in the S&P 500. Boeing announced a major dividend increase. We talk results of the disaster in the high yield bond market and the concerns of Third Avenue Focused Credit Fund suspending withdrawals from its junk bond mutual fund. Other topics include:
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Tue, 8 December 2015
Rob Black fills in again and talks about several market stories including Anglo American cutting 85,000 jobs and the oil collapse.
Rob Black is filling in again and begins today’s show by talking about another fall in oil as OPEC decides to not change their production targets. He also discusses other market stories such as:
I call in and talk about market fears like emotional investors, low interest rates with high inflation and how large countries like Japan struggle with debt. Tony Mendes and Rob discuss home owners insurance, being underinsured and multi policy discounts. Rob asks Patrick O’Hare if we should be concerned that oil continually hits new lows and why the oil collapse is a problem. He also asks Patrick if we should avoid or find value in the higher interest rates for housing and what effect would 2016 Hillary Clinton election have on the market.
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Mon, 7 December 2015
Rob Black returns and discusses Hillary Clinton's exit tax proposal, Chipotle's E. coli outbreak, and the sale of Keurig
Sitting in for Chad Burton today is Rob Black. Today Rob discusses the pros and cons of the drop in oil prices as it falls to $38 a barrel for the first time since 2009. Other topics covered include:
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Tue, 1 December 2015
We here at New Focus on Wealth would like to apologize for the following inconvenience. Today's show will not be available due to technical difficulties out of our hands. We will be back on the air Thursday with another live edition of New Focus on Innovation with Kym McNicholas. Thank you for your understanding. |
Mon, 30 November 2015
Today I discuss another fall in revenue for IBM, what the ZERO increase in social security checks means for retirees and "Plan B's" for retirement savings.
I review current market news as well as the 14th straight quarterly fall in IBM's revenue, whether or not the decline in commodities is a buying opportunity and struggles for franchises like McDonalds. I question the pressing issue of US and Russian involvement in Syria. I also discuss:
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
Encore edition |
Mon, 23 November 2015
Today I discuss Pfizer merging with Allergan, donating with appreciated assets and donor-advised funds and "Plan B" retirement options.
Today I discuss several market stories including S&P’s best week after an overall flat year and the imminent rate hike from Feds. Pfizer merges with Allergan, moving their headquarters to Ireland as a tax-saving strategy. I explain how to give back using appreciated assets and donor-advised funds. James from Piedmont calls in with some comments on the shareholders involved in the Pfizer and Allergan deal. Maximizing social security benefits by phasing into retirement. Reasons to invest in a living trust. I also go over some “Plan B” retirement options and give some advice to Cindy who is considering a 15 year mortgage at age 50.
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Tue, 17 November 2015
Today I discuss another fall in revenue for IBM, what the ZERO increase in social security checks means for retirees and "Plan B's" for retirement savings.
I review current market news as well as the 14th straight quarterly fall in IBM's revenue, whether or not the decline in commodities is a buying opportunity and struggles for franchises like McDonalds. I question the pressing issue of US and Russian involvement in Syria. I also discuss:
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. Encore-Presentation! |
Mon, 16 November 2015
Today I discuss market reactions to the attacks in Paris, a use for myRA, year-end tax planning and inheritance issues.
Today I talk about several market reactions to the Paris attacks such as oil stocks and the overall lackluster 2015 returns for most companies. Other topics discussed include:
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Tue, 10 November 2015
Today I discuss the sluggish GDP growth projections, major changes in claiming social security and answer several email questions.
Today I discuss several market stories including the drop in Apple stock, McDonalds decision to increase its dividend, BlackRock cutting fees on several ETFs and how a stagnant population is harming GDP growth. I explain major changes for married couples claiming social security. I also respond to questions from:
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
Direct download: Newfo-1110-1500_possible_evergreen32k.mp3
Category:general -- posted at: 4:15pm PDT |
Tue, 3 November 2015
I compare immediate annuities and qualified longevity annuities, when to make insurance claims and when to avoid them, CLUE reports and answer some listener’s emails.
I go through the market news talking about Activision buying the company that makes Candy Crush, Tesla’s plans for a more affordable model and Bill Gross’s push for the feds to begin “operation switch” to revive economy. Other topics discussed are:
I also respond to listener questions regarding how to allocate $300,000 of safe money, how and when to shop for long term care insurance and handling rental property when approaching retirement.
There's still time to register for our seminar this Thursday, November the 5th at the Elks Lodge in Palo Alto. Click HERE to sign up!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Mon, 2 November 2015
Today I discuss drastic changes to social security claiming strategies and chat with Michelle Lerman about living trusts and beneficiary designations for retirement accounts.
Today's show covers the drastic changes to social security claiming strategies under the new 2 year budget agreement. Michelle Lerman and I discuss retitling your home under a living trust to avoid probate costs and property tax changes after a death. Michelle explains proper beneficiary designations and trusts for retirement accounts. I take a closer look at the S&P 500 earning report despite the decline in the Oil sector. Brian asks about using a life insurance policy vs. 529 plans to save for a child's college education. I also discuss an article which states recent college graduates may not retire until age 75 and how students can reduce their chances of this.
Don't forget to register for our upcoming seminar this Thursday, November 5th at the Elks Lodge in Palo Alto. Click HERE to sign up! Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Mon, 26 October 2015
I rant regarding the sneaky increase in Medicare Part B costs for many retirees and I go through my 666 list.
How to pass down money to young people without allowing them to make irresponsible decisions. I express my frustration with with Social Security hold-harmless rule which may cause Medicare Part B premium costs to increase for those signing up for the first time in 2016 or those delaying or suspending social security. Keeping in the holiday spirit I go through my 666 list:
Don't forget to register for our upcoming seminar on Thursday, November 5th at the Elks Lodge in Palo Alto. Click HERE to sign up!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
Direct download: Newfo-1026-1500_with_1006_first_segment32k.mp3
Category:general -- posted at: 3:49pm PDT |
Tue, 20 October 2015
Today I explain how to find out if your retirement numbers are realistic and catch up on listeners' emails.
Today I discuss the earning results for Chipotle, United Technology, Yahoo! and others. Are you retiring based on growth assumptions that are too high? I also answer several listeners' questions:
Don't forget to register for our upcoming seminar on Thursday, November 5th at the Elks lodge in Palo Alto. Click HERE to sign up!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.
Direct download: Newfo-1020-1500_evergreen_except_first_seg32k.mp3
Category:general -- posted at: 4:48pm PDT |
Mon, 19 October 2015
Today I discuss another fall in revenue for IBM, what the ZERO increase in social security checks means for retirees and "Plan B's" for retirement savings.
I review current market news as well as the 14th straight quarterly fall in IBM's revenue, whether or not the decline in commodities is a buying opportunity and struggles for franchises like McDonalds. I question the pressing issue of US and Russian involvement in Syria. I also discuss:
Don't forget to register for our upcoming seminar on Thursday, November 5th at the Elks lodge in Palo Alto. Click HERE to sign up!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Mon, 12 October 2015
Today I discuss the surge in Chinese stocks, the bottoming process for oil, question GDP measurements and catch up on some listener emails.
As earning season officially kicks off I discuss the recent market rally and the bottoming process for oil, materials, MLPs and the Chinese stock market. I question how the government measures the growth of our economy (GDP). I also catch up on some listeners emails about:
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Tue, 6 October 2015
Today is a mashup of my best shows discussing topics like estate planning with a second marriage, calling your tax advisor early and more!
How to pass down money to young people without allowing them to make irresponsible decisions. I take a listener's call who has a question about estate planning with a second marriage. A young man sends me an email question about term life insurance in his 30's. Things you'll want to know before you hire a financial planner. Why you should call your tax advisor even if April 15 is a ways away.
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. Mashup-Edition
Direct download: Newfo-_for_1006-1500_MASHUP_of_2-24-14_12-2-14_12-2-14_4-6-15_and_12-02-1432k.mp3
Category:general -- posted at: 2:59pm PDT |
Tue, 29 September 2015
Scott Smith, CMT, of Briefing.com joins us to discuss technical indicators to watch in 2015. I answer a listener's email question about the pros and cons of Lending Club and I also cover different types of crowd funding.
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. Encore Edition! |
Mon, 21 September 2015
Today I answer a slew of your e-mails about vacation homes, financing a college education, balancing your assets before and during retirement and more!
Today, I answer listener's e-mail's. Topics include:
I also answer a callers question about funding a Roth IRA account in addition to a 401(k) and capital gains on stocks.
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Tue, 15 September 2015
Today I discuss corporate tax problems that harm the middle class, where to keep your safe money and the growing problem of child ID theft.
I discuss a strangely up US market and other economic news. Problems with the US corporate tax structure that infuriate and slowly eliminate the middle class. I respond to an alarming email about social security benefits going to multiple ex-spouses. Reviewing options for your safe money such as online FDIC savings accounts or a structured CD. I address the growing problem of child identity theft and signs to look for. Rob Black and I discuss potential reactions to the possible rise in interest rates.
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. Commercial-Free |
Mon, 14 September 2015
I argue the pros and cons of the Feds raising interest rates, 10 myths about social security and answer several listener questions.
I argue for and against a potential Federal rate increase and what type of stocks may look more attractive after the decision. Can china keep the stock market sell off from affecting consumers and economic growth? I answer questions about being agressive in the market, why I dislike privately traded reits, paying off your mortgage after retirement and buying long term care insurance. Top 10 myths about the social security system.
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. Commercial-Free |
Tue, 11 August 2015
Today I discuss the devaluation of China’s currency, Alan Greenspan’s bond bubble warning, medical care for Americans retiring abroad and life insurance policies that wreck your retirement.
I talk about China's decision to devalue their currency by 2% and the potential global effects. I make some comments on the ridiculousness of Alan Greenspan's bond market bubble warning. I talk about medical care concerns for Americans who plan on retiring abroad. A listener asks if having a pension and social security means he doesn't need bonds. I discuss a Wall Street Journal article where a teachers retirement is being hurt by his life insurance policy and how to determine if your policy is a retirement wrecker.
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Mon, 10 August 2015
Today I discuss Google's new company Alphabet, REM and other high income high risk investments, a financial blog on planning around retirement changes and annoying articles that scare people into emotional investing.
I discuss a few stock market stories such as Google's new company Alphabet and the continuing trend of increased earnings with low revenue growth. I give examples as to why people who get sucked into trading software programs and real estate classes often end up in bankruptcy. I explain why you should know what is really inside certain REIT investments such as REM. A listener asks how much she should be investing in a no-load variable annuity with living benefits. I talk abouta Sarah Von Bargen blog (SarahVonBargen.com) that discusses how the current wants of people often alter their retirement plans; many having to choose between working longer, saving more or "wanting less" in retirement. I also talk about a Wall Street Journal that tries to scare people into major investing decisions by predicting upcoming crises.
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Tue, 4 August 2015
Today I break down the recent market correction, discuss the under-education on 401k's and answer listener e-mails.
I break down the recent correction in the market focusing on revenue growth and decline in various stocks. Determining the risk number that is right for you. I give examples on the differences between all stock and balanced portfolios. A counter argument to an article which declares 401(k)s to be a failure, blaming it on under-education. I respond to an e-mail where the listener has sold his apartment building and would like alternatives to a 1031 exchange to mitigate taxes. Another listener intends on buying a house with plans to rent it, but does not have faith in the economy. I explain why it's a terrible idea to invest heavily in only one part of the market. How do inflation adjustments work after retirement?
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Tue, 28 July 2015
Today Michelle Lerman and I discuss estate plans and trusts. I discuss long term health care insurance, flexible spending accounts and sneaker taxes.
I ask Michelle Lerman (LermanLaw.com) about how to get the most flexibility out of your estate plan and multiple issues regarding trusts. I discuss a few instances of wealthy people and long term care insurance. What is a flexible spending account and how does it affect those with the affordable health care act? I give some advice to a listener who has saved well, but has had his retirement plans affected thanks to a change in taxes in 2012. I discuss how sneaker taxes are creating a bigger problem as opposed to fixing them. What to expect at the upcoming seminar.
Don't forget to register for our upcoming seminar this Thursday, July 30th at the Toll House Hotel in Los Gatos. Click HERE to sign up!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Mon, 27 July 2015
Today I discuss seasonal corrections, real estate mistakes, exchange traded funds vs. hedge funds and umbrella insurance policies.
I discuss the Chinese stock market decline and adjustments to make for seasonal corrections. I also talk about the repercussions some people face when purchasing a home such as forgoing their 401(k) or not planning with major expenses in mind. I explain why low-cost ETF's now hold more assets than hedge funds and where hedge funds have failed. Where do ETF's and mutual funds work best and which ones should you avoid? I discuss the difference between life insurance, disability insurance and umbrella policies. What to expect at this week's seminar.
Don't forget to register for our upcoming seminar this Thursday, July 30th at the Toll House Hotel in Los Gatos. Click HERE to sign up!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Tue, 21 July 2015
Need to build a financial base? Today I discuss my 15 point do-it-yourself checklist to get your plan moving in the right direction.
I cover 15 simple things you can do on your own before you hire a financial planner.Tasks such as tracking your family’s spending, setting budgets, creating emergency reserves, paying off non-mortgage debt and monitoring your credit. I discuss 401k vs. Roth IRAs and other tips that can help you build a financial foundation. Don't forget to register for our upcoming seminar at the Toll House Hotel in Los Gatos on Thursday, July 30th. Click HERE to sign up
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. Encore presentation
Direct download: Newfo-0406-1500_EVERGREEN_EDITION_for_stephanie32k.mp3
Category:general -- posted at: 3:00pm PDT |
Mon, 20 July 2015
Today I answer a slew of your e-mails about vacation homes, financing a college education, balancing your assets before and during retirement and more!
Today, I answer listener's e-mail's. Topics include:
I also answer a callers question about funding a Roth IRA account in addition to a 401(k) and capital gains on stocks.
Don't forget to register for our upcoming seminar at the Toll House Hotel in Los Gatos on Thursday, July 30th. Click HERE to sign up!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Tue, 14 July 2015
Today I discuss the nuclear deal with Iran, common stock option mistakes, identity theft and new IRS portability laws that benefit married couples.
I discuss lackluster revenue growth across the market with a spotlight on Wells Fargo. I talk about the nuclear deal with Iran and discuss the Bloomberg article about key elements of the accord. I discuss a Wall Street Journal article about the four common stock option mistakes people make. How to handle identity theft. I discuss the new IRS portability laws which gives a tax break to married couples who choose not to set up expensive trusts. Why spending more time investing in the stock market matters more than picking the right stocks.
Don't forget to register for our seminar at the Toll House Hotel in Los Gatos on July 30th. Click HERE to sign up!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Mon, 13 July 2015
Today I discuss Greece's third bailout, IRS lump sum pension payout warnings, Hillary Clintons' economic proposal, an article about working in retirement and how social security will be affected by same-sex marriage.
I discuss Greece receiving its third bailout, the proposed terms they need to approve and the Chinese governments' intervention in the stock market. How the IRS and Treasury Department plan to amend pension regulations to stop the dangerous lump sum offers being made by many greedy pension plans. I discuss Hillary Clintons' economic policy proposal which calls for changes to social security higher capital gains taxes. Should you even count on social security? I discuss a Bankers Life Center for a Secure Retirement article about working in retirement and some ugly surprises baby boomers face competing with the upcoming millennial generation. How same-sex marriage will have an impact on factors such as social security survivor, widow and divorce benefits. I answer a listeners' question about paying off her 401(k) loan in one lump sum vs. a payment schedule.
Don't forget to register for our seminar at the Toll House Hotel in Los Gatos on Thursday, July 30th. Click HERE to sign up! Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from 2:00-3:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Tue, 7 July 2015
Today I discuss proper stock market return expectations, another Top Ten States To Retire list and I answer an e-mail from a 30 year old asking how long it takes to reach $1 million when maxing his 401(k). I also tell a caller to spend some time learning
I discuss using geometric averages to project long term indexes and realistic returns. I answer a listeners' e-mail about reaching $1 million in his 401(k) and project if it's actually enough to retire with. What are the best states to retire in? A caller asks for clarification on death taxes in states like Oregon. I then give him some unfortunate news on his 401(k) and stress the importance of being financially educated before getting help. I discuss a recent study about the changing make-up of American families and how issues such as multi-generational homes affect financial plans.
Don't forget to register for our upcoming seminar at the Toll House Hotel on Thursday July 30th in Los Gatos. Click HERE to sign up!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from Noon to 1:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Mon, 6 July 2015
Today I discuss Greece’s recent vote to reject bailout terms as well as mutual fund exposure to Greek bonds and stocks. I also discuss common retirement income forecasting mistakes and how to avoid them.
I discuss Greece's recent "No" vote concerning the proposed bailout terms and potential global issues if they leave the Euro. I explain how Greece and the Chinese economy has caused a major decline in basic material stocks. I discuss the minute exposure to Greek equities in US mutual funds and Greece's downgrade to an emerging economy from a developed market. I talk about an article by Christine Benz (MorningStar.com) about retirement-portfolio and forecasting mistakes. A rise in Starbucks coffee prices spurs me to discuss necessary cutbacks you can make to save money. I answer an e-mail from a listener trying to balance paying off large dental school loans while saving for a home and planning for retirement.
Don't forget to register for our seminar at the Toll House Hotel on Thursday, July 30th in Los Gatos. Click HERE to sign up!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from Noon to 1:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Thu, 2 July 2015
Today Rob discusses the lack of home ownership amongst millennials, budgeting changes to make when you are in your 30’s and Chris Ciaccia talks about the launch of Apple Music.
Rob Black discusses how the mortgage bubble has spurred a trend in renting over home ownership among millennials and possible future consequences. Budgeting and investing in your 30's vs. 20's. Chris Ciaccia (Tech Editor for TheStreet.com) and Rob discuss the services and reception of Apple Music and the lack of excitement over the Apple Watch. Goals for investing in retirement and simple savings decisions everyone should make.
Don't forget to register for our upcoming seminar at the Toll House Hotel in Los Gatos on Thursday, July 30th. Click HERE to sign up!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from Noon to 1:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Thu, 25 June 2015
Rob and I talk home ownership in retirement. Chris Ciaccia tells us about Box joining up IBM and the new Amazon Echo.
Rob Black and I discuss home ownership among baby boomers and how it affects those who have under-saved for retirement. Rob talks about Netflix's attempt to take over major television networks, Disney's increased cash dividend, HBO and Facebook teaming up to stream television shows, how Uber is causing protests in France and televisions being replaced by other devices. Chris Ciaccia (Tech Editor for TheStreet.com) informs us that Box.com has partnered with IBM and why he doesn't think Box has a future. He also tells us why he's excited about the Amazon Echo, and its promising signs of being a game changer in artificial intelligence. Rob also chimes in on health care stocks and Apple music vs. Spotify vs. Pandora.
Don't forget to register for our seminar on July 30th at the Toll House Hotel in Los Gatos. Click HERE to sign up! Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from Noon to 1:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Tue, 23 June 2015
Today, Jack Mohr and I discuss another possible Greek bailout. I also talk about financial elder abuse, investing in property and better alternatives to a universal life insurance policy.
Netflix announces a 7-for-1 stock split. Jack Mohr (Director of Research for Jim Cramer's Charitable Trust) chimes in about Greece, Fitbit's IPO and oil stocks. I discuss real estate cap rates, issues that are causing people to fail retirement and I shed a spotlight on elder fraud in our society. More on why universal life insurance policies are not a great idea for most people.
Don't forget to sign up for our seminar on July 30th at the Toll House Hotel in Los Gatos. Click HERE to register! Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from Noon to 1:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Mon, 22 June 2015
I discuss what to look for when choosing a financial planner, Greece’s bailout proposal and what to expect with their EU exit, indexed universal life insurance policies, ESPP vs. RSU stocks and common factors in people who fail at retirement.
What to look out for when choosing a financial planner. More news on Greece's proposal for another bailout and what to expect with their EU exit. I take a listener's e-mail about indexed universal life insurance plans and if they're good for you. A listener calls in and offers a counter point on indexed universal life insurance policies. ESPP vs. RSU stocks I look at how factors such as divorce, second homes and overspending early in life affect people who usually fail when it comes to retiring.
Don't forget to sign up for our seminar Thursday, July 30th at the Toll House Hotel in Los Gatos. Click HERE to register!
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from Noon to 1:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Thu, 11 June 2015
Rob and I discuss retirement portfolio construction and deconstruction which is just as important. Rob brings us up to date of various aspects of the news including the Los Angeles upcoming $15 minimum wage increase, Costco becoming a threat in car dealership, and why he likes Netflix being available in hotel rooms. A caller asks a question about tax rates on long term capital gains and Rob offers a flip argument. Chris Ciaccia of TheStreet.com gives us his thoughts about the newest Apple announcements as they prepare to take on companies like Google and Facebook which are more likely to share your data for advertising. Rob also discusses why he likes credit cards as long term investments since non-cash transactions are on the rise globally.
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from Noon to 1:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |
Fri, 5 June 2015
Today, Rob Black and Tony Mendes discuss buying homes that aren’t the most expensive you can afford.
Today, Rob Black and Tony Mendes discuss buying homes that aren't the most expensive you can afford.
Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from Noon to 1:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. Commercial-free |
Thu, 4 June 2015
Today, I continue the topic of "sequence of consumption" and the status of international small cap stocks.
Today, I continue the previous discussion about sequence of returns vs. sequence of consumption. I also talk about:
Reserve your spot for tonights seminar at Double Tree in Burlingame at 6:30pm. Click HERE to register! Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 from Noon to 1:00 p.m. (PDT)
Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com. |