Listen every week to The Truth About Money with Ric Edelman. Ric gives you comprehensive, educational advice that is both entertaining and useful -- on investments, IRAs, retirement planning, mortgages, insurance, college planning, and much more!
Listen every week to The Truth About Money with Ric Edelman. Ric gives you comprehensive, educational advice that is both entertaining and useful -- on investments, IRAs, retirement planning, mortgages, insurance, college planning, and much more!
© 2019 OwlTail All rights reserved. OwlTail only owns the podcast episode rankings. Copyright of underlying podcast content is owned by the publisher, not OwlTail. Audio is streamed directly from Ric Edelman servers. Downloads goes directly to publisher.
Science Vs: Artificial Sweeteners - not so sweet?. Low calorie, no calorie and so sweet. Artificial sweeteners just seem too good to be true. Is there a catch? We dig into two big questions: Do artificial sweeteners cause cancer, and are they making us fat? We talk to Prof. John Glendinning, Prof. Susie Swithers, Dr. Kieron Rooney, and PhD student Jotham Suez about the latest research. Plus we do a fun experiment with PJ Vogt and Alex Goldman from Reply All! Also, please sign up for our brand spanking new newsletter! We’ll share science that’s been blowing our minds, plus great content like the most amazing calculation from an academic of how much bigger 323 African Elephants are than nuclear waste. Head to: https://gimletmedia.com/newsletter/ Our Sponsors:Postmates - New customers get a $100 credit by downloading the app and entering the promo code SCIENCEWordpress - go to wordpress.com/science to get 15% off a new websiteHello Fresh - For $30 off your first week of meals go to hellofresh.com and enter the promo code SCIENCEVS30 Credits: This episode has been produced by Ben Kuebrich, Heather Rogers, Shruti Ravindran and Wendy Zukerman.Kaitlyn Sawrey is our senior producer. We’re edited by Annie-Rose Strasser. Production assistance by Stevie Lane. Fact checking by Michelle Harris. Original music and mixing by Bobby Lord. Extra thanks to Dr. Mary Pat Gallagher, Peter Bresnan, Euromonitor International and ubiome. Selected References:Prof. Susie Swithers’s study on artificial sweeteners and feeding behavior in ratsA 2015 systematic review of the relationship between artificial sweetener consumption and cancer in humansJotham Suez’s study on artificial sweeteners and the gut microbiome
Stuff You Should Know: SYSK Selects: How Willpower Works. You use it every day to overcome your lower self (which wants you to eat cake until your vision blurs) in pursuit of the goals of your higher self (which wants you to not develop Type-II diabetes). Yet it was only in the 1990s that researchers began to understand what makes our willpower and how it behaves.
Where Should We Begin? with Esther Perel: S1 Ep. 1: I've Had Better. [Contains mature themes] He reached out because a year after the discovery of his affair, they aren’t fighting anymore, but they certainly haven’t moved on. Esther guides them towards a more honest conversation, and a revelation about their communication.
Relationship Alive!: 01: John Gottman - How to Be a Master of Relationship. Welcome! My guest today is Dr. John Gottman, one of the world's leading experts on how to have an amazing relationship. He and his wife Julie currently operate The Gottman Institute in Seattle, offering numerous resources and training. Join us for a deep dive into their work! Dr. Gottman’s findings are largely based on the conclusions he has made over many years of research and observations of couples. He and his team have how to be a master (and avoid being a disaster) at relationship.
Rank #1: The Ric Edelman Show: June 9, 2018.
Rank #2: The Ric Edelman Show: November 11, 2017 .
Rank #1: My #1 Retirement Planning Tool to Help People Find Balance. I'm convinced that the most stressful part of planning for and living in retirement is that we don't know how to balance living well today, while not sacrificing tomorrow. As a result, most of us live out of balance. Some of us are so worried about tomorrow that they sacrifice their current life in order to be "prudent". Others "live for the day", assuming without a thought for their future. both are wrong. In this episode, I talk about my #1 retirement planning tool to help other find this delicate balance.Invest Wisely--Investing Potholes in November and DecemberIf you're planning on making large investments in your taxable accounts be careful. In December, most pooled investments, like mutual funds, distribute to shareholders the capital gains and dividends they've accumulated throughout the year. If you buy one of these products in a taxable account before this distribution, you could have a tax liability for capital gains that were realized before you even owned the fund. In this episode, I discuss how this works and some things you can do to avoid a potential nasty tax surprise.Plan Well--My #1 Retirement Planning Tool to Help People Find Balance Can I afford to retire a year earlier? Do I need to change my spending plan after this market correction? Can I save less now and still retire comfortably? Do I need to take so much investment risk? These are some of the frustrating questions that people struggle with every day as they plan for retirement. About 16 years ago, I discovered a tool to help me help people answer these questions and confidently live a more balanced life.It's called Monte Carlo engine. Today, I've integrated it into my Plan Well process to help other make smarter financial decisions and find some balance between living well today without sacrificing their tomorrow. Like most tools, some are better than others and much of it's usefulness is dependent upon the skill of the user. In this episode, I use a planning example to demonstrate how I use it and some of it's advantages and drawback. Note: Normally just read these show notes, it's best to listen to this one. Just click on the audio play at the bottom of this post.Here is the Fact Set for John Smith Age 55 Retirement goal 60 Investment assets $2,000,000 Retirement lifestyle goal, $100,000 annual Retirement lifestyle goal #2, $70,000 RV at age 60 Life expectancy, age 90 Target Portfolio, balanced II To see the full report that I discuss, click here.How Not to Use It It's not a one time evaluation tool (you can't set it and forget it) It does not determine or predict results It can't overcome bad inputs or assumptionsHow to Use It As a important part of your annual financial review As a tool to help you prioritize competing goals As a tool to help you evaluate tradeoffs between competing priorities Spending/Saving Working/Retiring Risk/Reward College/Retirement Giving/Investing As compass to help evaluate and correct course as your life unfolds As a guide an warning system to help you know when your plan may be unsustainable To provide more color on the long-term impact of today's financial choicesThere is no tool that will solve for all the uncertainty in your life or the world. The best we can do is acknowledge what we don't know (can't know) and use a sound compass to help guide our life's journey. "He who is enslaved to his compass, will enjoy the freedom of the seas"Ken DavisAre You Confident in Your Compass?
Rank #2: #190 - How much you should have saved for retirement by now. Several years ago I participated in an Ironman Triathlon. I didn’t win, not even close. I finished in the 77th percentile. Turns out, the winner could have started 6 ¼ hours after me and still beat me. So was this experience a failure? It depends on how you look at it. I enjoyed the experience, I loved the cycling and felt refreshed by the countryside surroundings. So for me, this was definitely not a failure. Comparison is important to keep us on track with our goals but when we put all of our focus on our performance v.s. someone else's performance...we often become unhappy. Regardless of where you are in life or how much you have saved for retirement, comparison could be the death of joy. Listen to this week’s episode to hear my thoughts on how to stay on track without letting go of your joy. A Fidelity study shows exactly how much you should have saved for Retirement A recent Fidelity study lays out exactly how much you should currently have in savings for retirement based on your age. They say that by age 30 you should have 1x your annual income in savings, 3x at age 40 and 7x at age 55. For some of us on the journey to retirement that may feel like a daunting task. Many of us don’t start saving as early as we should, I know I didn’t. But are these numbers really where we need to be? Can we make it work with less? Join me this week on the retirement Answer Man show to hear my thoughts. Are my assets safe in the hands of my advisor? Recently a financial advisor absconded with over 1 million dollars of their client's money. The advisor had no history of fraud and seemed to be a good person. If anyone can snap and steal from us, how can we trust our advisor? In this episode, I’ll dive into a few things to look for in your advisor to help you decide whether or not they are trustworthy. I’ll also outline some red flags that signal something fraudulent might be happening with your money. If you want to make sure your advisor can be trusted with your money, listen to this episode of Retirement Answer Man. How should I allocate my 401K contributions to provide future security? A listener called in with a question. He is making contributions to his 401K and wants to know how he should allocate his assets. Of course, I can’t give him specific advice but I can give guidelines of how you should think of your contributions based on your retirement goals. Make sure you catch this episode to hear my advice. Life is full of changes. Go along for the ride and have fun. Fall has come to Texas. It’s not as unbearably hot and pumpkins are selling in all the stores. I love the change of seasons, the change of pace and the excitement. Life, like the earth, often has many seasonal changes as we get older and they can be exciting as or sometimes challenging. Whether or not you are ready for the next season of life remember that there is nothing you can do to stop it so you might as well go along for the ride and focus on being happy. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN [0.28] Several years ago I participated in an Ironman Triathlon [3:29] I finished behind many. But was it a failure? HOT TOPIC SEGMENT [6:38] Fidelity study shows what you should have saved for retirement. [7:50] Regardless of where you are, you compare yourself to others. [9:01] By age 50 you should have 6x your annual salary saved for retirement. [11:57] Many of us start saving late. [12:00] Many of us make bad savings and investing decisions. [13:50] Comparison can be the death of joy. PRACTICAL PLANNING SEGMENT [14:33] Listener questions with Nichole. [16:04] How safe is my money with a financial advisor? [20:00] How can I verify an advisor’s trustworthiness? [27:00] Be wary of private investment opportunities. [28:01] How should I allocate my 401k contributions? [32:08] I have 80% of my 401K in stock. How can I balance my investments? THE HAPPY LAB SEGMENT [37:57] Fall has come to Texas [38:39] The seasons are changing. Whether you like it or not, try to enjoy the ride. TODAY’S SMART SPRINT SEGMENT [39:22] Look at all of your investment assets and see, based on Fidelity’s study, where you are based on your age. RESOURCES MENTIONED IN THIS EPISODE Ask a question Work with Roger 3-Video Series: 5 Minute Retirement Makeover Roger’s retirement learning center The Retirement Answer Man Facebook page
Rank #1: TDI Podcast: Mystery at the Markets (#609). New Highs , New Highs , New Highs. GDP rocks higher – but why? An earnings rundown of where we stand so far this season. Tesla finally breaks…And listener questions PLUS: Market Mechanics, earnings outlook and the economic backdrop. Follow @andrewhorowitz More information on the TDI Managed Growth Strategy – HERE TradeStation Morning Market Briefing […]
Rank #2: TDI Podcast: Investing Like Moses (#608). Happy Passover – taking some of the lessons from the Passover Seder and applying them to investing. What type of investor are you? We look at the story of the Four Children for insights. PLUS: Market Mechanics, earnings outlook and the economic backdrop. Follow @andrewhorowitz More information on the TDI Managed Growth Strategy – HERE […]
Rank #1: 5 Habits of 401(k) Millionaires. Think it's impossible to become a 401(k) millionaire? Wondering if you can commit to what's necessary to achieve this big goal? On this episode of The Money Guy Show, Brian and Bo review a recent study from Fidelity and dive into the 5 habits and actions that can get you to millionaire status in a working career.
Rank #2: Creative Ways to Save a Few Bucks. Today's show is kind of unique. Due to all of your positive feedback, I decided to sit back and let Bo take the lead. I asked him to come up with a topic that he felt was timely and even related to his life. The topic he landed on (which is no surprise if you the know the guy), was Creative Ways to Save a Few Bucks.
Rank #1: DR 024: How to Invest Like Warren Buffett [Interview withLarry Swedroe]. This is the seventeenth day in our 31-Day Money Challenge. Over 31 days we’ll publish 31 podcasts, each designed to help you move closer to financial freedom. Yesterday we looked at why it’s important to invest like a business owner. In today’s podcast, we interview Larry Swedroe, author of Think, Act, and Invest Like Warren […] The post DR 024: How to Invest Like Warren Buffett [Interview withLarry Swedroe] appeared first on The Dough Roller.
Rank #2: DR 296--The 7 Levels of Financial Freedom. We examine the 7 levels of financial freedom.
Rank #1: What is the best Vanguard balanced fund?. Paul answers your questions about Vanguard balanced funds, including the pros and cons, how to select the best balanced funds, and how to match them to your investment goals and risk tolerance. He references the S&P 500 Equity Portfolio Fine-Tuning Table Vanguard funds: Balanced Index (VBINX) Life Strategy Income (VSCGX) Life Strategy Moderate Growth (VSMGX) Life Strategy Growth (VASGX) Target Date 2025 (VTTVX) Star (VGSTX) Wellesley Income (VWINX) Wellington (VWELX)
Rank #2: 2 Funds For Life. A simple strategy to maximize your retirement investments In this podcast, Paul Merriman and Chris Pedersen – who spent most of the last two years developing the “2 Funds for Life” strategy – discuss the rationale, research, details and benefits to easily implement this simple strategy. The discussion includes a quick review of the “Three greatest investment products” (podcast and article including mutual funds, index funds and target date funds, with a special emphasis on the reasons TDFs don’t give investors the best options and the best returns. Chris explains the steps he took to research the possible ways to simplify the investment process without giving up the extra returns the portfolios should produce. His focus was to understand the risk (worst case for losses) and the high/low and average returns expected for 9 different combinations compared to the risks and returns of holding only a traditional target date fund. Listeners and viewers will see a group of very simple strategies that can add 25% to 100% more to the traditional target date fund. While the “2 Funds for Life” strategies are more risky, most investors will likely be comfortable with the additional risk. Please note: This presentation reviews a lot of numbers and the most effective way to review the information is to watch the video that includes all the tables. For those who listen to the podcast, Paul and Chris, have tried to highlight the most important results. Paul suggests those who listen to the podcast will better understand the recommendations if they also read the in-depth article by Chris. To access graphs, articles and other links referenced in this podcast, click here. To view this presentation as a video, click here.
Rank #1: 156 Your Sound Retirement Plan. Jason and Emilia discuss creating your sound retirement plan for 2018. To learn more also visit: www.fool.com/retirement/2018
Rank #2: 128 How To Create A Retirement Bucket Strategy For Cash-Flow. Jason and Emilia talk about creating a bucket strategy for cash-flow in retirement.
Rank #1: 12.11.18 The smartphone decline; How to give gift cards; For-profit college closures. Smartphones aren't getting much smarter these days. So Clark tells you how to avoid the hype and avenues to pay less on your cell phone hardware; Gift cards aren't the best gift. But you can make it a decent gift with a couple smart strategies; A few for-profit colleges went bust today. It's important for students to apply for student loan cancellation.Learn more about your ad choices. Visit megaphone.fm/adchoices
Rank #2: 6.7.19 What to do about uninsured motorist coverage; Clark Stinks. What should you do about uninsured motorist coverage? Should you have more? Clark discusses; Christa reads listener posts about how Clark has missed the mark in his advice this week. If you have a "Clark Stinks" to share you can leave it here.Learn more about your ad choices. Visit megaphone.fm/adchoices
Rank #1: The 411 on 401(k)s. In this week’s show, Larry Raffone, president and chief executive officer of Financial Engines, discusses how the 401(k) has evolved over the years and adjustments you can make to optimize your 401(k).
Rank #2: Fixing Financial Illiteracy. In this week’s show, Larry Raffone, president and chief executive officer of Financial Engines, provides insight into the recent Financial Industry Regulatory Authority study that found that 60% of Americans have only a moderate to low financial literacy – and what steps we can take to change that.
Rank #1: Money Talk With Bob Brinker - 4/12/15. Money Talk With Bob Brinker - 4/12/15
Rank #2: Money Talk With Bob Brinker - 4/12/15. Money Talk With Bob Brinker - 4/12/15
Rank #1: Advice We Wish We'd Been Handed At Age 22 (Your Letters). What do you wish someone had told you when you were 22 years old? How much would it have changed your trajectory? Would you have even listened to the advice? Today we're not just doling out idea to help your financial future....the guys are answering your specific financial questions. We'll also tackle questions about converting an IRA to a Roth IRA (how do you do it?), about why we always use 7-10% as our assumption over long periods when talking about the stock market, and how to know if you're ahead or behind on achieving your financial plan. Plus in our headlines segment, with all of the stock market gyrations lately, what's the right thing to do with your money? While many publications like to talk about all the ways people can panic, one seems to be the voice of reason....we'll share which one and details on HOW they suggest coping with stock market uneasiness on today's podcast. Later we'll throw out the Haven Life Line to Ramon. He's hoping to find solutions for his joint budget with his spouse. How does he rectify expenses that are withheld from his paycheck before he receives his money? What if he and his spouse have different amounts taken out? We'll answer all of Ramon's budgeting problems and discuss budgets in general. Thanks to MagnifyMoney.com for sponsoring Stacking Benjamins. MagnifyMoney.com saves users on average $450 when they compare, ditch, switch and save on credit cards, student loan refinancing, checking, savings and more. Check out MagnifyMoney.com for your savings.
Rank #2: An Economist Walks Into a Brothel (with Allison Schrager). Allison Schrager is an economist who's studied negotiation, diversification, and also, the topic we'll discuss in today's episode, risk. She'll explain risk using a lens that we haven't seen someone use before...the eyes and actions of legal sex workers. To illustrate how people think about risk, she visited brothels, horse breeders, and, among others, poker players. We'll discuss the many ways we miscalculate risk, how to make better decisions, and what happens when we evaluate the wrong types of risk. And in our headlines segment, we'll call up Madeline Hume from Morningstar. They've completed a report on the state of 529 college savings plans nationally, and Joe and Madeline will dive into the data. We'll talk ab out the latest innovations in plans, plus shine a spotlight on some of the best and worst states to invest your hard-earned college money. Plus, we'll look at one piece describing a shakeup in the online financial planning community that could spell trouble for industry leader Vanguard. In our Haven Life Line segment, we'll throw out the line to Jason, who has some questions for OG about risk parity. Would something like a a 50/50 split between stocks and long-term treasuries a good idea? What are the possible downsides? After we spend some time giving advice to Jason we'll tear open Chris's letter, who has some social security questions. Considering the investments and pensions Chris and his wife already have on the table, would it make more sense to defer taking social security? We'll give our thoughts, but if you're looking for a more in depth conversation about social security you can check our our previous interview with Philip Moeller and Paul Solman. Thanks to Skillshare for supporting Stacking Benjamins. Get TWO months of courses for free at Skillshare.com/SB. Thanks to Simple Contacts for supporting Stacking Benjamins. Save $20 on your first Simple Contacts order at http://www.simplecontacts.com/sb and use promo code: sb.
Rank #1: Podcast: Should ETFs be part of your portfolio?. Vanguard investment experts cover a range of topics, from the differences between an ETF and a mutual fund to pricing and liquidity.
Rank #2: What to do about rising interest rates?. In this 13-minute podcast, Josh Hirt of Vanguard Investment Strategy Group discusses how rising interest rates can affect bond funds and ETFs.
Rank #1: 401(k) to Roth IRA. If you have pre and post tax money in a 401(k), can you roll just the post tax money over into a Roth IRA and leave the pre tax money in the 401(k)? Jim and Chris answer this question from a listener in New Jersey and also discuss the Ordering Rules for how money comes out of a 401(k). They also answer a Kentucky listener’s question regarding what to do with an older 401(k) when you move into a new 401(k) due to a job promotion. The post 401(k) to Roth IRA appeared first on The Retirement and IRA Show.
Rank #2: 20 IRA Mistakes to Avoid. Jim is out of town, so this week we are re-running a show that aired originally in April 2016. How much do you really know about IRAs? Jim and Chris discuss a Morningstar article that lists 20 IRA mistakes to avoid. They also talk about 457b accounts and answer a listener’s question involving Roth IRA disallowed contributions & earnings limits. The post 20 IRA Mistakes to Avoid appeared first on The Retirement and IRA Show.
Rank #1: Bernie Madoff and The Wizard of Lies with Diana Henriques . Bernie Madoff is perhaps the most notorious name in the history of Wall Street. By now we all know the story. Madoff conducted a Ponzi scheme that is considered to be the largest in U.S. history. Over the course of decades, Madoff stole billions of dollars from his clients and finally, amid the financial crisis of 2008, the crime came to a screeching halt. How on earth was he able to pull it off for so long, when there were plenty of warning signs and whistleblowers who tried to alert regulators that something was amiss? One of the journalists covering the scandal was Diana Henriques, then a staff reporter at The New York Times, who specialized in investigative reporting on white-collar crime, market regulation and corporate governance. Diana used her countless hours of work as the lead reporter on the story as a catalyst to write the bestselleing book, The Wizard of Lies: Bernie Madoff and the Death of Trust.Diana had incredible access, including the first interview with an imprisoned Madoff. I was fortunate enough to interview her in 2011, just as the book was becoming a bestseller. I remember thinking at the time that the tale of Bernie Madoff was not just a financial story, but a Shakespearean tragedy.Robert De Niro was so drawn to the character of Bernie Madoff as Henriques depicted him, that he bought the film rights to “The Wizard of Lies.” Six years later, HBO films released the movie version of “The Wizard of Lies” - it debuted this past Sunday. If you’ve yet to see “The Wizard of Lies,” go watch it. DVR it, stream it, whatever the method, just watch it. It’s incredibly well done and stars Robert De Niro as Bernie Madoff and Michelle Pfeiffer as Ruth Madoff. Diana is an amazing storyteller, from her dogged pursuit of the Madoff prison interview to her describing the phone call she got from Robert De Niro saying he wanted to play Madoff...just an incredible story. We wanted to give you as much of Diana as possible, so for this week only, we’re skipping the caller of the week...don’t freak out, it’ll return next week. “Better Off” is sponsored by Betterment.We love feedback so please leave us a rating or review in iTunes."Better Off" theme music is by Joel Goodman, www.joelgoodman.com.For a recap of every episode, visit https://www.betterment.com/resources/topics/inside-betterment/better-off-podcast/.Connect with me at these places for all my content:http://www.jillonmoney.com/ https://twitter.com/jillonmoney https://www.facebook.com/JillonMoney https://www.instagram.com/jillonmoney/ https://www.youtube.com/c/JillSchlesinger https://www.linkedin.com/in/jillonmoney/ https://soundcloud.com/jill-schlesinger http://www.stitcher.com/podcast/jill-on-money http://betteroffpodcast.com/ https://itunes.apple.com/us/podcast/better-off-jill-schlesinger/id431167790?mt=2
Rank #2: Leadership Skills with Retired Admiral William H. McRaven. By now you know that on the Better Off podcast we talk about more than just the nuts and bolts of investments and economics. Our mission is to help you take control of your financial life, and that includes helping you better yourself, invest in yourself, and ultimately, become an all around better off individual. One of the amazing byproducts of leaving a full time career in investment management and entering the news business is that I now meet (and have the privilege to interview) a wide range of incredibly smart people. While at times I can take that for granted, every once in awhile, I host a guest who helps me realize just how lucky I have it.That’s what happened when Retired Admiral William “Bill” McRaven walked into the studio last week and talked to me for about 45 minutes. It happened to be the day after the U.S. had launched airstrikes against Syria, which made the visit timely.If Bill’s name sounds familiar, it’s because he presided over the 2011 Navy SEAL raid that resulted in the killing of Osama bin Laden in Pakistan. Bill was the man who identified the body when it was flown back to Afghanistan and told President Obama that the U.S. finally had their guy. A few years later in 2014, the four-star admiral and 37-year Navy SEAL veteran delivered the commencement speech at his alma mater, the University of Texas at Austin (Hook ‘em Horns!). Little did McRaven know that his address, which spoke to how students could overcome challenges and change themselves, would become a viral hit with nearly 25 million views online. In January, 2015 Bill became the Chancellor of the entire University of Texas system and was encouraged to expand his commencement speech into a book, Make Your Bed: Little Things That Can Change Your Life...And Maybe the World. The ten fundamental life lessons McRaven learned in Navy Seal training resonate with all of us, but these are three of my favorite:-If you want to change the world, start off by making your bed-If you want to change the world, find someone to help you paddle-If you want to change the world, you must be your very best in the darkest momentWe love feedback so please leave us a rating or review in iTunes."Better Off" theme music is by Joel Goodman, www.joelgoodman.com.For a recap of every episode, visit https://www.betterment.com/resources/topics/inside-betterment/better-off-podcast/.
Rank #1: MTI003: Andrew Sather on Investing for Beginners. There are a lot of misconceptions about investing. From the idea that you can make big money right now, to the myth that you need a lot of capital to get started, our panel dispels the myths that hold many Read more › The post MTI003: Andrew Sather on Investing for Beginners appeared first on Money Tree Investing Podcast.
Rank #2: MTI079: Listener Questions on ETF Arbitrage, Index Funds, and Pay Down Mortgage or Invest. We are back with questions from YOU. Today's topics cover picking ETFs, investing in index funds, and should you pay extra on the mortgage or invest Read more › The post MTI079: Listener Questions on ETF Arbitrage, Index Funds, and Pay Down Mortgage or Invest appeared first on Money Tree Investing Podcast.