The Ramsey Show (January 7, 2022)




The Bucket Approach to Asset Diversification

Proper asset allocation ensures the portfolio represents the investor’s risk tolerance. If too much of the nest egg is held in stocks and the market tanks, the investor is more likely to panic and sell. In doing this, the investor buys high and sells low. The bucket approach to asset diversification increases the probability that funds will be available to meet any planned expenses ranging from retirement, to business expenditures, to college tuition.

Dollars And Sense

Although investors can generally expect long-term market appreciation, the last ten years have shown us that this is not necessarily the case. As a result, individuals approaching retirement are growing more frustrated with their investments and their brokers, to whom they are paying commissions. Investors are no longer accepting, nor should they, the standard answer of “give it time,” or “the market will turn, you just have to be patient.

Using Superannuation to Buy Property

More and more Australians are seeing the benefits in not only establishing their own Self-Managed Super Fund (SMSF), but also in using their SMSF to invest in property. The obvious benefit to this option is that you can use your super to a higher advantage to set yourself up for retirement. Where with traditional super funds you remain unengaged and let a third party manage your investments, having an SMSF enables you to actively engage with your super funds, invest your own money, and control the future of your retirement funds.

Dollars And Sense

After the S&P downgrade of the U.S. Credit rating, stock and commodity markets sold off sharply, dropping nearly 15 percent before recouping losses at the end of the month. Between the negative news and weak expectations for the U.S. economy, the ongoing problems in Europe, market volatility, and general unease, many investors are asking themselves if they should just abandon investing all together and simply put all their money in CD’s and Gold. The answer…

Disaster Avoidance

SURVIVAL KIT – You are in for a treat! You are about to learn how an expert law firm transformed the Fair Market Value of a $2 million promissory note into about 30 cents on the dollar–$711,000.00-or less. Let me repeat – a prominent law firm handling a $3,000,00.00 deal did not know how to draft proper documents!

Would You Pass the Investment Chalkboard Test?

An investor’s ability to adequately pass this “chalkboard test” is crucial to their long-term success. Saving for retirement requires a different investment approach than does ensuring that resources are available and secure over a short period. How can an investor be confident they are taking appropriate actions if they aren’t sure how they chose their investments?

A $250,000 Promissory Note May Be Worth $125,000 – Or Less – Part 2

What flaws usually cause promissory notes to be discounted? How to avoid investing in a flawed and discounted promissory note.

Getting Ready to Retire – Have You Covered All Your Bases?

You may have been diligent about putting money away for retirement and making big plans for your time, but now that it’s getting closer are you sure you’ve covered all the bases? Make sure that you haven’t overlooked some of the following components of a successful retirement: Walk the Walk. If you are planning on relocating in retirement make sure you have taken a long vacation in the area.

Important Investing Tips for Expensive Watches

It is true that when you plan to invest your money buying expensive watches, you need to have a precise plan to follow. You must determine the exact investment portfolio you will have when you decide to sell the items by careful appraisal.

Time to Take the Hands-On Approach to Your Investments

Okay, so you’re getting seriously negative real rates of interest on your cash deposits, a pained glance at your pension statement or 401K account tells you to postpone indefinitely all plans of retiring to the golf course, and your financial planner or fund manager is still pocketing the commissions while you’re still taking the losses. What’s an investor to do?

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