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Straight
Talk about
Money:
Our Weekly
Radio Show
Show Archive
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January 28, 2012 |
Tax Changes For 2012
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January 21, 2012 |
Stock market has a good week.
Stocks walk up the “Wall of Worry”
S&P downgrades some European countries
Presidential Elections + The Market/Economy- “No Big Deal”
Rand Paul Returns Unused $500,000 to US Treasury
“The Number You Need To Retire On” – We Know the Number!
Estate + Income Taxes + Steve Jobs’ estate
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January 14, 2012 |
Come to Our Breakfast Series Starting February 3, 2012
Dow Now Up 90% from March 9, 2009 Low
Judge Rakoff & SEC Fines & Citigroup
Judge Says Details of Wrong Doing Should Be Known Before Any Fine Imposed
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January 7, 2012 |
Musings RE: 2011 Year in the Markets, “Living Benefits” – Insurance Contracts
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December 31, 2011 |
DJIA Up 8.5 % in 2011 – Total Return with Dividends
S&P Up 2.44% in 2011 – Total Return with Dividends
Living Benefits + Annuity Guarantees
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December 24, 2011 |
Christmas Program
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December 17, 2011 |
Stock Market like Downhill Skiing: Up, Down, Up, Down
Will Market Be Up or Down for 2011?
Plan for 30 Years Ahead of Your Retirement
Year-End Tax Planning
Annuities are Frequently a Reaction to Market Fatigue but You’ll Likely be Sorry Later
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December 10, 2011 |
REITS - Real Estate Investment Trusts
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December 3, 2011 |
Tax Planning for Years
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November 26, 2011 |
Strong Recoveries After Bear Markets
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November 19, 2011 |
Year-End Tax Strategies to reduce income
Warren Buffet Says Investing is Easier than People Think + more
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November 11, 2011 |
The Average Equity Investor Does Not Earn Returns as High as the Average Equity Mutual Fund... plus:
REITS – Real Estate Stocks
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November 5, 2011 |
The Average Equity Investor
Channeling the Seventies
Many Great Companies Started in “Bad” Economic Times
MF Global is not an Example of Capitalism
Long Term Care Insurance
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October 29, 2011 |
International Markets - Continue to Invest |
listen
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October 22, 2011 |
- DJIA Back Up 800 Points in 15 Days (as of 10-19-11)
- Don’t Let a “Bad” Quarter Blur Several Excellent Quarters
- Tipping in Europe
- Inflation – Why Stocks are Inflation Hedge and Bonds are Not
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listen
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October 15, 2011 |
Donor Advised Funds and Special Needs Trusts |
listen
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October 8, 2011 |
From Safe T.I.P.S. to Aggressive Frontier Markets |
listen
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October 1, 2011 |
Investment Words from Jeremy Siegel, Glen Hutchins, Mark Mobius and Laszlo Birinyi
- $5 million per person gift, estate and generation skipping transfer available in 2011 and 2012 only
- ROTH Recharacterizations
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September 24, 2011 |
Interest Rates May be low...
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September 17, 2011 |
The Market Went "Off Its Meds" in August
Many Older Americans Held Hostage by Their Mortgages
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listen
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September 10, 2011 |
Intermediate Term Bonds, a good alternative to low yielding money markets or C.D’s. |
listen
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September 3, 2011 |
- Stocks Rebound From Debt Ceiling Tantrum
- Halo Effect of Steve Jobs and Warren Buffett
- Warren Buffett’s Latest Tax Break
- Brian Wesbury says Stocks May Be Undervalued by 65%
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listen
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August 20, 2011 |
Is Computer Trading Causing the Volatility in the Markets?
- “Quant” Managers
- High Frequency Traders
- Momentum Investing
- Algorithms
- Trend Following
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listen
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August 13, 2011 |
- Volatile Market
- 4% Drop In One Day Is Tough, But Not Rare
- S&P Downgrading
- Less Than 10% Drop In Three Days
- Stocks Are Well Above Lows Of 2009
- No One Has Ever Become Rich Being A Long-Term Bear
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listen
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August 6, 2011 |
Market drops, GDP Revised, 12 States have Surpluses, more:
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Indiana Pays Workers Bonuses
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Ohio Wiped Out 8 Billion Deficit!
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Privatized Social Security Accounts Have Great Success In Chile and Galveston, Texas<
- 30 Other Nations Have Privatizes
- US Is World’s Largest Manufacturer
- Worker’s High Productivity Has Caused Seeming “Job” Loss
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listen
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July 31, 2011 |
Debt Ceiling “Crisis”
- Markets Shrug Off Debt Ceiling Debate
- Correction – Over 70 ½ Gift To Charities
- Tax Court Says No Interest Deduction If You Are Not Listed On The Mortgage
- Debt Ceiling Controversy Can Lead To Better Spending By Federal Government
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July 16, 2011 |
Municipal Bonds |
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July 9, 2011 |
Dividend Investing
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July 2, 2011 |
- Large Cap Value Stocks Performing
- Many High Net Worth Investors Wish They Had More Self Control Over Financial Behavior
- G&A Offers A “Concrete Strategy”
- When Should You Correct An Income Tax Filing Error?
- Newly ReMarried Man Dies Without Changing Beneficiaries and Children Lose Out
- Tax Filing Mistakes
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June 25, 2011 |
Summary of DOW, Our Last 10 Years Return vs. S & P 500 Index, College – 6 Years to Graduate – Worth the Debt? Investing Internationally
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June 18, 2011 |
DOW Up for the Week and Year
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People Pessimistic
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True Stories – Individual Accounts Outperform Group Accounts
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IPO’s
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Day to Day Problems and Worries vs. Long Term Growth
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Europe and Pacific Basin Investment
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June 4, 2011
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Special Needs Trusts What, How & Advantages
- U.S. Weather and Japan’s Triple Disaster Slows Down Production in the U.S.
- Nick Murray – Keep Watching “The Good Companies”
- Profits Recovery Best in 60 Years
- A Penny Saved is a Nation Saved: (Mercatus Research – Balance Budget Within 10 Years)
- Peter Lynch and Magellan Fund: (Why Most Investors Did Not Earn the Fund’s Return)
- 3 Reasons Investors Are Not Successful
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May 28, 2011
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Dow is WAY up, Pessimism, Preventing Fraud & more
- 12,402 – DOW – May 26, 2011 Up 7% Year To Date, 2011
- So Why Are People Pessimistic?
- Accounts Equal to 3 Times Original Investment and Growing
- The Stock Market Will Take Care of You
- Malaysia Growing
- Frontier Markets
- Unreasonable Premium Increase “Bad” Credit Rating
- Rosenberry’s and United Way’s 7 Agendas For Change
- How to Prevent Fraud in the Use of POA (Power of Attorney)
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May 21, 2011
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- U.S. Government has Stopped Mailing Social Security Statements
- Pessimism Means Opportunity
- Dow Jones up 1,000 Points in 2011
- Prince Alwaleed, Saudia Arabia, is the Biggest Investor in the U.S.
- Stanley Druckenmiller, Legendary Investor, says Officials at Fed and Treasury may Finally have to Try and Explain Why Technical Default is a Crisis, but Runaway Spending is not.
- Powers of Attorney (POA) Should be Renewed Every Six Months
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May 14, 2011
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Incredible Run
- DOW Up Nearly 16% Over the Past 12 Months
- Phil Angelides Says Regulators Failed and Corps Took Too Much Risk in 20089 Causing Financial Crisis
- Chairman of Caterpillar Talked About Great Global Growth
- Floating Rate Bank Loans
- The Economy is Much More Resilient Than Most Believe
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May 7, 2011
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DJIA, Financial Literacy, Public Pensions, More...
- DJIA at 12,638
- SIPC Costs to Liquidate Madoff and Lehman
- Lost Opportunity Costs
- Americans Financially Illiterate
- Public Pensions, Defined Benefit Will Disappear in Coming Years
- Benefits for Individuals in Defined Contribution Plans
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April 29, 2011
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Markets Reaching 2007 Peaks Dow Jones is up 1000 points since beginning of 2011
Boat Policy adds $1000 accidental death or injury benefit!
It's Time in the Market, Not Timing the Market
- Retirement may last 30 years.
- The S&P doubles several times in 30 years.
TIME in the MARKET, Not Timing the Market
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S&P went from 130 to 1300 between 1981 to 2011
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S&P went from 22 to 130 between 1951 and 1981
Buy and Hold Works
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Investors leave the Fund when Morningstar downgrades
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Investors buy the Fund when Morningstar upgrades
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However, the downgraded funds usually do better in upcoming years
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Investors still investing with eye on rear view mirror
Debt Ceiling
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The arguments hide the true consequence
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Raising the debt ceiling allows Congress to add debt to the current accumulated debt
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Not raising the debt ceiling would make Congress pay the interest and reduce spending
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How can raising the debt ceiling increase the confidence of the people, countries, and institutions that buy our debt?
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April 23, 2011
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Many Markets up 56% for year to date
- Corporate profits up
- DJIA up 87% since 3/9/09
- VIX Indicator + the shorts
- Forecasts for markets in 2011 by Brian Wesbury
- Debt ceiling – has been raised 80 times
- Why is oil so high?
- Low interest rates
- More dollars required to replace low interest rates
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April 16, 2011
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4% “Rule” Should Not Be A Rule
- Comparison: Index
- Control over your income in retirement
- 529 Plans for college
- Special Rule allows $62,000 gift to plan in a single year
- Declare on IRS Form 709
- Masters of the marketplace:
- Mark Mobius
- Ron Barron
- Stephen Roach
- Mark Faber
- Jeremy Siegel
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April 9, 2011
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Market Shrugs Off Problems
- Corporate profits are strong
- Currency loses its purchasing power
- Investors need facts and courage
- Fuzzy Math
- Roth Conversion Rules for 2010 and 2011
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April 2, 2011
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Diversification Works when the Market is Ugly
- What's Behind a 4% Withdrawal Recommendation for Retirement Accounts?
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March 26, 2011
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Market Expectations – Jeremy Siegel & Michael Milken are Positive on Equities (stocks)
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March 19, 2011
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Market update – Impact of Japan Tsunami
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Save for college with Tax Advantages: 529 Plans, Education IRA’s
- Lack of Tax Advantages, but have other positives: Custodial Accounts, Basis of your Roth IRA withdrawals
- Examples – over $80,000 in one grandchild’s (still in high school) account
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March 12, 2011 |
Celebration of 2 Year Anniversary of Bull Market in Stocks |
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3911 Major indexes nearly recovered to previous peak
- Leveling playing field public vs. private benefits
- Tsunami in Japan disrupts markets
- British Historian, Paul Johnson, values America
- Oil, Natural gas, Oil shale, Coal, Wind and Solar energy
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February 26, 2011
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Tracey Interviews Local Madison Firm: Franklin Tax & Accounting
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Income Taxes Due April 18, 2011
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Professionals help you with Tax Mistakes (hear examples); sometimes turn IRS debits into your credits
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People tend to be timid about legitimate deductions when preparing their own taxes
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Tax Forgiveness of debt on foreclosure
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Many new tax credits for small business
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Education – American Opportunity Credit
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February 19, 2011 |
It's Never as Bad or Good as it Sounds |
listen
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Behavioral Finance
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WI Protest
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HSA’s – Health Savings Accounts
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High Deductible Insurance Policies
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WI Retirement Payouts/Choices
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Union Pacific
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Trains in your Managed Accounts
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February 12, 2011 |
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- GDP = Gross Domestic Products; $45,000 per person in 2009
- Value the Rich
- Roth Conversion Tax decision in 2010
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February 5, 2011 |
Manufacturing in Wisconsin; Oshkosh Corporation |
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- Estate & Gift Tax Changes
- Global consumption
- DJIA closes 2/1/11 at highest since 6/18/08
- $5 million per person Federal Estate Tax exemption
- $13,000 yearly Gift Tax exclusion
- Big Hopes for Big Stocks
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January 29, 2011 |
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- Market flirts with 12,000
- WI passes HSA deduction
- M&I purchased
- Over 70 ½ Charitable Contribution Opportunity
- Estate Exemption @ 5 million per person
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January 22, 2011
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From Safe T.I.P.S. to Aggressive Frontier Markets
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listen
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January 15, 2011
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An Unexpected Medicare Increase
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listen
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January 8, 2011
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Employer Mergers and 401k Questions
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listen
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January 1, 2011
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2010 – A Good Year for Stocks & Bonds! Thank the Rich
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listen
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December 18, 2010 |
2010 Tax Relief Bill |
listen
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Retail Sales
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Estate Tax in 2011
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Unemployment Extended
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Donor Advised Charitable Funds
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Over 70 ½ Charitable Contributions from IRA’s
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December 11, 2010 |
Donor Advised Funds – A Way To Do Your Charitable Giving |
listen
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Gifts, CRUTS, Charitable Giving
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Year End Giving
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Tax Advantaged Gifts
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November 27, 2010 |
Strong Recoveries After Bear Markets |
listen
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- Is it Worth Going into Debt for a College Education?
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November 20, 2010 |
Thanksgiving = Thanks Giving |
listen
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- G.M. IPO Begins Trading
- Warren Buffet's Letter of Thanks
- There's No Inflation? One Retiree's Experience
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November 13, 2010 |
83 Year S&P Index Return QE2 and the Wealth Effect |
listen
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- Consumer Debt
- Reduce Retirement Anxiety
- Jeremy Grantham's Letter to Shareholders and QE2
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November 6, 2010 |
Investor Questions and Financial Planning Mistakes
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listen
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October 31, 2010 |
Long Term Stocks Overtake Inflation's Damage
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listen
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October 23, 2010 |
Market Double Twice? Next 10 Years?
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listen
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October 16, 2010 |
Quantitative Analysis QE |
listen
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September 25, 2010 |
Defined Benefit Plans vs Defined Contribution Plans |
listen
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September 18, 2010 |
Client Stories and Look Beyond Europe's Current Problems |
listen
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September 11, 2010 |
Fiduciary & Suitability Standards of CARE |
listen
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September 4, 2010 |
Market Predictions vs History |
listen
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August 28, 2010 |
Have Faith in the Market It Always Goes Back Up |
listen
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August 21, 2010 |
No Double Dip Recession |
listen
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August 7, 2010 |
Trade Deficits Don't Matter: Oil & Gas |
listen
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July
31, 2010 |
A Reason to Convert to ROTH |
listen
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July
24, 2010 |
Plan
now
to
avoid
income
tax
increases
in
2011 |
listen
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July
17, 2010
|
Goldman
Settles
SEC
Case
|
listen
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| July
10, 2010
|
Income
Taxes
Increase
in
2011
|
listen |
| July
3, 2010
|
Four
Ways
to
Decrease
Income
Taxes
Under
New
Rules
|
listen
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| June
26, 2010
|
Market
Volatility
|
listen
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| June
12, 2010
|
All
Things
Financial
|
listen
|
| June
1, 2010
|
Greek
Crisis
&
Opportunities
|
listen
|
| May
29, 2010
|
Roth
Conversion
Tax
Traps
Roth
Conversion
Tax
Traps
|
listen
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| May
22, 2010
|
Understanding
Bonds
|
listen
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| May
15, 2010
|
Greece
Debt
Crisis,
Municipal
Bonds
|
listen
|
| May
8, 2010
|
Dawn
Marie
Sass:
Equities
Can
Do
Well
the
Next
10
Years
|
listen
|
| May
1, 2010
|
Sly
&
Louise
|
listen
|
| April
27, 2010
|
Equities
&
the
Next
Ten
Years
|
listen
|
| April
24, 2010
|
Dawn
Marie
Sass
&
James
DiUlio
(pt2)
|
listen
|
| Apr
17, 2010
|
Winners
&
Losers
/ Healthcare
Industry
|
listen
|
| Apr
10, 2010
|
Dawn
Marie
Sass
&
James
DiUlio
(pt1)
|
listen
|
| Apr
03, 2010
|
8%
Withdrawal
Is
Still
Possible
|
listen
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| Mar
27, 2010
|
What's
Right
With
The
World
|
listen
|
| Mar
20, 2010
|
March
9th
Two
Market
Anniversaries
|
listen
|
| Mar
13, 2010
|
Commercial
Real
Estate,
with
Deb
Ersland
|
listen
|
| Mar
06, 2010
|
Commercial
Real
Estate,
with
Deb
Ersland
|
listen
|
| Feb
27, 2010
|
Attorneys
Madelyn
Leopold
and
Liz
Heiner
|
listen
|
| Feb
20, 2010
|
Economy
Continues
To
Improve
|
listen
|
| Feb
13, 2010
|
Attorneys
Madelyn
Leopold
and
Liz
Heiner
|
listen
|
| Feb
06, 2010
|
Other
Ways
to
Avoid
Probate
|
listen
|
| Jan
30, 2010
|
Roth
Conversions
or
High
Income
Earners
|
listen
|
| Jan
23, 2010
|
Commercial
Real
Estate,
with
Deb
Ersland,
Pt.2
|
listen
|
| Jan
16, 2010
|
Commercial
Real
Estate,
with
Deb
Ersland,
Pt.1
|
listen |
| Jan
09, 2010
|
Reviewing
2009
Markets
|
listen
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| Jan
02, 2010
|
Rational
Exuberance |
listen |
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Googins &
Anton Inc. |
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Madison, Dane
Co. WI |
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Googins and Anton is an independent investment and wealth management / financial planning and advisor company in greater Madison & Middleton Wisconsin. Our
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