Somedays you wake up and you just don’t want to read the news. It’s hard to trust the media in a pay-per-click world where speculation and speed seems to be more important than factual reporting. For instance, six months ago, when covid was just starting to shut down the economy, all we had to do was wait 12-18 months for a vaccine, yet today the media is filled with stories on how covid is wreaking havoc on small businesses and causing a global recession. Other topics include:

• Bonds and how they work
• Chatting with fixed income specialist, Ashok Bhatia, CFA

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 on Tuesday's and Wednesday's from 6:00-7:00 a.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

Yesterday, White House trade advisor Peter Navarro made it sound like trade deal talks were over, then later claimed his words were taken out of context. Stock market futures proceeded to tumble more than 400 points, but as of this morning, futures are positive for the day. That’s how volatile these things can be. Everything eventually boils down to whether companies are selling more goods or services since stocks trade based on future cash flows. Ignore the short term and invest for the long run. Other topics include:

• Covid resurgence
• Educating yourself on indexes
• An inaccurate Fidelity report
• Born in 1960? You may have a tougher time with social security in retirement
• Focusing on your health going into retirement

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 on Tuesday's and Wednesday's from 6:00-7:00 a.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

Real estate has been incredibly expensive for quite some time now and buyers are having trouble saving enough for a proper down payment. Still, there is an urgency for people to get into the house they want while interest rates hover around record lows. The result? There are a lot of intrafamily loans going on. Always be sure to consult a tax advisor and attorney before committing you and your family to this agreement. Other topics:

• The difference between delayed financing and intrafamily loans
• Other ways to be the bank of mom and dad
• Macroeconomic issues with Tom Logan – where are the bargains?

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 on Tuesday's and Wednesday's from 6:00-7:00 a.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

Consumers now freed from strict coronavirus restrictions are journeying out and opening their wallets. As a result, the DOW was set to open higher this morning on the idea that retail sales are shattering already lofty expectations. It’s a positive start to the day, how do we hold it? Other topics:

• The July-covid question
• Cringey infrastructure spending
• Positives coming out of Covid
• Stupid stuff on the stock market
• The “Back To Work” bonus vs. coronavirus relief bill

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 on Tuesday's and Wednesday's from 6:00-7:00 a.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

Willingness to reopen the economy hinges on your personal health and how covid has affected your life. No matter how quickly that happens, covid is going to change the way we travel. For instance, a cruise is the quintessential retirement vacation, but it may be that cruise ships never recover if we continue to practice social distancing. Today I look at the future of travel and everything that goes with it.

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 on Tuesday's and Wednesday's from 6:00-7:00 a.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

Congratulations if you stayed invested the last 6 months. The S&P 500 has essentially erased its losses for the year after enduring the most consecutive days with returns greater than +/- 4% and the second most days with volatile +/- 4% trading days. Don’t worry if your properly diversified portfolio is still negative, your fund isn’t bad or underperforming, some asset classes just haven’t rebounded yet. Other topics include:

• Stagflation, TIPS and your retirement plan
• Updating your estate plan after the SECURE Act
• Improving taxes in your portfolio

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 on Tuesday's and Wednesday's from 6:00-7:00 a.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

Being able to tell people you own a corporation feels empowering. Before you jump ship and quit your job make a list of the added responsibilities and increased costs of being your own boss. Items to include are health insurance benefits, 401k match, FICA tax match and disability benefits. Today I tackle self-employment issues, maximizing your retirement savings and how to minimize the dreaded self-employment tax. Other topics:

• Looking at how the stock market preformed last month
• Should you form an LLC or S-Corp?
• Individual 401k, Solo 401k, Defined Benefit Plan, Mega Roth 401k
• Are stimulus checks taxable?
• Managing your cortisol and inflammation levels may be the key to better sleep

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 on Tuesday's and Wednesday's from 6:00-7:00 a.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

What Rob likes about sitting in for me is it makes him think in a big picture way instead of stories. Key economic indicators are weirdly inverted, which is usually a bad sign. Massive amounts of stimulus means markets are rallying higher than pre-covid times, but mounting civil unrest makes you wonder what is enough to derail us. So far, the answer is “No”. Today Rob talks about his biggest issue with the market and what we can do to get over it. Other topics include:

• The stock market as a gauge of fear
• Covid earnings season review
• Life & disability insurance

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 on Tuesday's and Wednesday's from 6:00-7:00 a.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.

Is 2020 over yet? It’s been one disaster after another, but the S&P 500 climbs a wall of worry and is barely down for the year. The S&P is tech heavy these days and tech is very important for the newwnew from home trend. Today I look at the crazy weekend and the rallying market. other topics include:

• How low bond yields are making retirement goals harder to reach
• Why bond alternatives might look good going forward

Email your money question to chad@newfocusfinancial.com , or call the show at 1-800-516-1220 on Tuesday's and Wednesday's from 6:00-7:00 a.m. (PDT)

Call 1-888-762-2423 for Wealth Management and Financial Planning services or visit www.NewFocusFinancial.com.