DR 076: Is a Home a Good Investment? The Numbers Will Surprise You

CAGR 190 to 435

It’s a hotly debated question. Is it better to buy or rent? We covered this question in detail in Podcast 59. Many argue that buying is best because on average homeowners have a higher net worth than renters. Rather than looking at averages, however, today we are going to look at an actual case study. […]

Published or Updated: June 14, 2014

DR 075: The Reality of Dave Ramsey’s 12% ‘Reality’ (and why it really matters)

12 Keys to Making Smart Financial Decisions

Recently I reviewed what Dave Ramsey calls his Endorsed Local Providers (ELPs). As I was doing research for that review I learned of Dave’s view that historically the S&P 500 has returned 12%. I also learned that he believes it will continue to do so over the long run. This was curious to me for […]

Published or Updated: June 14, 2014

DR 073: Annuities 101–Interview with Tim Holmes of Vanguard

Timothy Holmes of Vanguard

Next to the tax code, differential equations, and why Gilligan and the other castaways could never get off the island, annuities are really difficult to grasp. Frankly, any time you mix insurance products with investing products the result is ugly. Yet annuities can be a smart way to save for retirement and to generate income […]

Published or Updated: June 6, 2014

DR 071: Dollar-Cost Averaging Versus Lump Sum Investing–Which is Best?

Dollar Cost Averaging vs. Lump Sum Investing

I‘ve always been suspicious of dollar-cost averaging. With DCA, rather than investing the cash you have all at once, you invest chunks of it over time. For example, you might invest $12,000 over the course of a year, $1,000 each month. In contrast, with lump sum investing, you’d put the full $12,000 to work right […]

Published or Updated: May 30, 2014

DR 070: Investing Made Easy – An Interview with Betterment Founder Jon Stein

Jon Stein--Betterment

Several years ago I met Betterment’s founder and CEO, Jon Stein. At the time, Betterment was just getting started, and we had a chance to talk about what Betterment offered investors. Since then Betterment has grown significantly, with over $500 million under management. To find out what is new and to learn more about Betterment, […]

Published or Updated: May 28, 2014

DR 069: Are Dave Ramsey’s Investing ELPs Good for Your Wealth?

Endorsed Local Providers

Dave Ramsey may have helped you climb out of debt, but should you now follow his investing advice? His views on investing have come under fire lately. From his claim that stocks return 12% annually to his love of growth mutual funds, professional advisors have not been shy about their criticism. (Save Like Dave Ramsey. […]

Published or Updated: June 4, 2014

DR 067: The Lowdown on Health Savings Accounts as Retirement Savings Vehicles

Optimized-LOWDOWN

I‘ve recently received a couple of emails from readers about Health Savings Accounts. One comes from Robert, who writes: I would like you to cover HSAs in the future podcast. We just started using one, and we are getting confused and occasionally tripped up by some of the rules. And a podcast listener named Patrick […]

Published or Updated: May 20, 2014

DR 063: The Four Hidden Fees of Mutual Funds (This Could Save You 33%!)

Dodge   Cox Stock  DODGX  Fund Tax Analysis

I recently read an article by John Bogle, the founder of Vanguard. The article, The Arithmetic of “All-In” Investment Expenses, is a very detailed piece about investing costs over and above what’s reflected in the expense ratio of a fund or ETF. There are four “hidden” mutual fund fees that aren’t captured in the expense […]

Published or Updated: May 9, 2014

DR 062: 3 Questions to Ask Before You Hire a Financial Advisor

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I‘ve received several emails recently about the topic of hiring an investment advisor. This is a very important question, and I suspect many wrestleg with this issue. Whether you’re just starting out and trying to figure out how to invest, or you’re nearing retirement with a decent nest egg, you may be thinking about this […]

Published or Updated: May 7, 2014