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Wisdom on Wealth

The real problem with tax refunds

Submitted by Byron Moore, CFP® & Mike Jones on February 17th, 2015
By Byron Moore, posted February 17, 2015

The following column was published on thenewsstar.com on Saturday, February 14, 2015.

Question: Every year I look forward to getting my tax refund. Sometimes we pay off some credit cards with it and other times we take a little vacation. I have friends at work that say I’m giving the government a free loan, but I can’t see that I would do any better with it in the bank. What do you think?

Answer: Back when savings accounts were paying 5%, your friends had a point.

Podcast - Get a Financial Coach

Submitted by Byron Moore, CFP® & Mike Jones on February 13th, 2015
By Byron Moore, posted February 13th, 2015

The following segment first aired on KEDM 90.3 on December 10, 2014

If you keep doing what you’re doing, you’ll keep getting what you’re getting. The way to break the cycle?  Instruction, motivation and accountability.  My advice -- get a coach!
Click the picture above to play/pause audio.
 

Retirement readiness – where do I start?

Submitted by Byron Moore, CFP® & Mike Jones on February 9th, 2015
By Byron Moore, posted February 9, 2015

The following column was published in The News Star on Sunday, February 8, 2015.

Question: I don’t know exactly when I want to retire, but I think it will be within the next ten years. I just don’t know where to begin figuring this out. Where do I start to get my stuff ready for me to retire?

Answer: According to Socrates, “The unexamined life is not worth living.”

Enough is enough – are you working for someone else?

Submitted by Byron Moore, CFP® & Mike Jones on February 5th, 2015
By Byron Moore, posted February 5, 2015

The following column was published in The News Star on Sunday, February 1, 2015.

Question: I think I have enough to retire, but I’m just not sure. The good thing is I still like working. I feel like I’ll probably have enough by the time I retire that I won’t be able to spend it all. Nice problem to have. But how should I do my investments in light of all this?

Answer: Maybe you have enough. Maybe you don’t. By your own admission, you don’t know.

Podcast - Five stages of financial grief

Submitted by Byron Moore, CFP® & Mike Jones on February 5th, 2015
By Byron Moore, posted February 5th, 2015

The following segment first aired on KEDM 90.3 on November 26, 2014

About 45 years ago, Elizabeth Kubler-Ross wrote that when she dealt with terminally ill people they went through five psychological stages before they died.  Actually, a similar phenomenon can be experienced by people when they begin to come to grips with their own frustrations about money. 

Five stages of financial grief.jpg

     
 

Podcast - Lessons from growing up poor

Submitted by Byron Moore, CFP® & Mike Jones on January 30th, 2015
By Byron Moore, posted January 30th, 2015

The following segment first aired on KEDM 90.3 on November 19, 2014

If you grew up poor or otherwise disadvantaged, may you be only the first of many in your family to learn from, and not lean on, life’s difficult experiences.Lessons from growing up poor.jpg

     
 

Perseverance beats perfection in changing bad habits

Submitted by Byron Moore, CFP® & Mike Jones on January 26th, 2015
By Byron Moore, posted January 26, 2015

The following column was published in The News Star on Sunday, January 25, 2015.

Question: My husband and I set a goal this year of getting out of debt. Everything except the house. We’ve made some progress, but we are both finding it harder than we thought to slow down our spending. Frankly we both blow it under stress or when we’re not careful. Should we just bag it and try again when life is less stressful? 

Answer: “When you’re going through hell, keep going.” 

Podcast - Disaster scenarios... we love them!

Submitted by Byron Moore, CFP® & Mike Jones on January 23rd, 2015
By Byron Moore, posted January 23rd, 2015

The following segment first aired on KEDM 90.3 on November 12, 2014

Don’t be so busy fretting about the end of the world that you fail to realistically prepare for what might happen to your world if it doesn’t.Disaster scenarios.jpg

     
 

Franc-ly, My Dear... some investors still haven't learned the lesson about leverage

Submitted by Byron Moore, CFP® & Mike Jones on January 22nd, 2015

By Mike Jones, posted January 22nd, 2015

This week shock waves hit certain areas of the investment world as the central bank of Switzerland abandoned its 3 1/2 year policy of pegging the Swiss Franc to the Euro.

Do you have more money smarts than a doctor?

Submitted by Byron Moore, CFP® & Mike Jones on January 22nd, 2015

By Byron Moore, posted January 22nd, 2015

Question: I don't make as much money as a doctor and I have very little financial background. So with limited money and knowledge, where should someone like me start?

Answer: Right where you are...and start now.  

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