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Submitted by Byron Moore, CFP® & Mike Jones on January 11th, 2016
By Byron Moore, posted January 11, 2016
Originally published in the News Star and the Shreveport Times on Sunday, January 10, 2016.
 
lifesavers_0.jpgQuestion: I have the unusual task of trying to teach my middle aged brother about basic financial management. He is broke and in debt and is now living with our mother. After going through a divorce and a rebound girlfriend, he now has credit card debt, no car, no assets and no job. I want to help him, but don't want to throw cash at him. I was taught by my father to save, but apparently my brother didn't get it. Any suggestions on where to start?
 

Answer: Ever since Cain and Abel, mystified parents have wept many a tear over the enigma of one brother turning out so differently from another.

Podcast: Preparation not perfection should be your goal (3:41)

Submitted by Byron Moore, CFP® & Mike Jones on January 7th, 2016
By Byron Moore, posted January 7, 2016

The following segment first aired on KEDM 90.3 on August 5, 2015

A good financial strategy is first about preparation and protection, and only afterwards about the pursuit of perfection.

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Don’t skip the foundation… Build down deep before you build up

Submitted by Byron Moore, CFP® & Mike Jones on January 4th, 2016
By Byron Moore, posted January 4, 2016
Originally published in the News Star and the Shreveport Times on Sunday, January 3, 2016.
 
foundation2_0.jpgQUESTION: I have as a goal to really start focusing on building my portfolio this year. Where should I begin?
 
ANSWER: If you want to build high, you should first go deep.

New Years Financial Resolutions for 2016

Submitted by Byron Moore, CFP® & Mike Jones on December 28th, 2015
By Byron Moore, posted December 28, 2015
Originally published in the News Star and the Shreveport Times on Sunday, December 27, 2015.
 
QUESTION: In these crazy times, what do you suggest for New Year’s Resolutions in my financial life?
 
ANSWER: Here are five to ponder as the New Year approaches:

Podcast: Optimism, pessimism and realism (3:46)

Submitted by Byron Moore, CFP® & Mike Jones on December 3rd, 2015
By Byron Moore, posted December 3, 2015

The following segment first aired on KEDM 90.3 on July 22, 2015

When you’re doing financial planning, is it better to be optimistic or pessimistic?

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If you don’t like your financial past, create a new one

Submitted by Byron Moore, CFP® & Mike Jones on November 30th, 2015
By Byron Moore, posted November 30, 2015
Originally published in the News Star and the Shreveport Times on Sunday, November 29, 2015.
 
money regrets_0.jpgQUESTION: I have totally screwed up my financial life. Where do I start? Overspending, maxed out credit cards, a bankruptcy. I mean it’s bad. I just woke up one day and I had dug myself into this incredible hole. But now I want to get out and I really don’t know how. Is it even possible?
 
ANSWER: Sounds bad. Very bad.
 
Is it possible? Yes. Easy? No.
 

Are you robbing tomorrow to fund today?

Submitted by Byron Moore, CFP® & Mike Jones on November 23rd, 2015
By Byron Moore, posted November 23, 2015
Originally published in the News Star and the Shreveport Times on Sunday, November 22, 2015.
 

TomorrowToday_0.jpgQUESTION: I  have a young family and I want to be able to provide for them the things I didn’t have growing up. I also know that saving money is important. But can I just save more later so that I can spend more on my family now?

ANSWER: Your heart is in the right place, but your understanding of how money and human nature affect one another may need a bit of remedial work.

See the big picture

Submitted by Byron Moore, CFP® & Mike Jones on November 16th, 2015
By Byron Moore, posted November 16, 2015
Originally published in the News Star on Sunday, November 15, 2015.
 
QUESTION: I’m thinking about buying some land. I could borrow the money to purchase it, but when I look at all those amortization tables it just kills me to see how much interest I would pay. I have enough in an investment account that hasn’t been doing much lately. If I use that to buy the land, I’ll save all that interest. Good idea?
 
ANSWER: Is it a good idea? I don’t know.
 
What I do know is that it’s a one dimensional idea, and that’s usually not good.

Podcast: Talking to Mom & Dad (about estate planning) (3:17)

Submitted by Byron Moore, CFP® & Mike Jones on November 12th, 2015
By Byron Moore, posted November 12, 2015

The following segment first aired on KEDM 90.3 on July 15, 2015

How to help your parents craft an estate plan to assure their life's work will outlive them.

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Podcast: Credit Card Slavery (3:41)

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

The following segment first aired on KEDM 90.3 on July 8, 2015

Many people deeply in credit card debt find that with this six step plan, they can get completely out of debt in less than a year.

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