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史蒂夫's Radio 播客s

Learn How To Retire And STAY Retired: Listen to 掌握金钱 with Scottsdale Financial Planner 史蒂夫 Jurich, AIF® on Money Radio am 1510 , Monday thru Friday at 8am and 11am, with a daily update at 4:30pm. 播客s 24/7 on the 掌握金钱 APP (Apple &Android)。或者,访问RetirementRadioUSA.com

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掌握金钱 2/4/20

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The 投资 community and the financial media tend to obsess over interest rates—which represent the cost that consumers and corporations PAY 对于 the use of someone else’s money. Why is it such a big deal?  Well, if you understand how interest rate changes ripple through the economy and cause major, trillion dollar mutual fund companies to buy or sell things, you will be more clear on what is making the market tick.   You or I can’t possibly keep up with robotic, computer-driven models used 通过 the major mutual fund managers. They have responsibility 对于 more than fifteen trillion dollars in the market . ….their的工作取决于您的领先地位!今天我们’会告诉您如何使自己退后一步!!然后,遗产和遗嘱认证律师利比银行(Libby Banks)与我们一起揭示了如何根据新的《安全法》选择受益人。唐’t miss it!  …掌握金钱正在播出!!!

掌握金钱 2/3/20

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今天掌握货币…It’s a MOTLEY FOOL MONDAY!! The Motley Fool Money Show is one of the most popular stock market talk shows in America, featuring 顶级市场专家 并听见 百万 的听众到海岸,包括在Money Radio上的星期六!在更新市场和今天之后’财经新闻报道,我们’将带您观看Motley Fool Money Show的独家广播–再加上史蒂夫(Steve)的赚钱和省钱创意,您赢了’t want to miss! — 掌握金钱 IS ON THE AIR

掌握金钱 1/31/20

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自2019年夏季以来,提供退休金福利的大公司之间呈上升趋势,这可能使处于退休边缘的人获得一笔大笔款项–maybe you.  So, if you’面对这个决定, 哪个更好:接受收购或保留养老金,并希望公司永远不会减少您的福利? 10月,通用电气 经济中的金融巨人—成为最新的美国公司,宣布其定额给付养老金计划的重大变化。通用电气 宣布将冻结大约20,000名在职员工的福利!它进一步表示,将提供约100,000 FORMER的一次性收购 尚未开始领取养老金的员工! 您可能会惊讶地发现,举世闻名的CPA Ed Slott必须说什么更好,一次性还是退休金?我们’ll review Mr. Slott’的见解,然后抵押贷款专家Mitch Boxberger加入了我们的Q& A.  Don’t miss today’的节目中,MASTERING MONEY播出了!!!   

掌握金钱 1/30/20

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在过去的一个世纪中,市场曾多次崩溃,跌幅超过50%,使人们的财务状况和梦想在YEARS陷入混乱。 不仅浪费金钱,而且浪费时间。建立窝蛋需要时间。 没有人想从退休开始。  如果您已经为梦想中的退休积蓄了三十年,那么用钱回到十年或十五年前的地方是没有意义的。会发生吗?   当然,它确实发生了…. TWICE… 在过去的二十年中! S&P现在像老鹰一样飙升,但是赢了’t fly 对于ever.  That’s why it’s so important to 在您接近或进入退休年龄时改变您的投资重点。您的时间范围 shrinks for re-building 投资组合。今天我们’ll review the precise steps to take right now 对于 PROTECTING what you have, LOWERING your risk, increasing your income and lowering your fees. Then CPA Nick Stefaniak joins us to help lower your taxes!! 你不喜欢的精彩表演’不想错过主播资金!

掌握金钱 1/29/20

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Although the aggregate divorce rate among Americans has fallen in recent decades, there has been a somewhat dramatic increase in the number of divorces 对于 couples over the age of 50, according to the 金融计划 Association.   This rise of so-called grey divorces has created a number of uncommon and complex issues 对于 those getting divorced. 有些离婚很简单,但另一些则很复杂。划分普通银行账户并不难,但是在国税局的密切关注下,一对夫妇如何拆分养老金,401k,403b或其他具有税收资格的计划?答:非常小心!  Today, we’ll review what the steps are 对于 you or someone you may know, and then health insurance and medicare expert Shelley Grandidge joins us to help just about everybody! 你真的很有趣的节目’t want to miss 掌握更多钱!

掌握金钱 1/28/20

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If you set aside twenty thousand dollars a year 对于 thirty years in a tax deferred  account you will have six hundred thousand dollars of principal if you earn zero percent.  But if you average six percent, you will have over a million dollars in twenty four years. Do most investors average six percent over time? In depth studies of 401k plans show that most investors average far less than over twenty or thirty years. It all depends on whether you are at the beginning of your career or near the end. Near the end, NOT LOSING is more important than the rate you make.   For younger workers,  put your head down, go to work,  keep getting paid, keep trying to save, and keep  stuffing your  401k plan every single year. Today we’ll回顾回报率以及在何处投资以建立和保护一百万美元。事实证明你不知道’不想错过任何一笔钱!

掌握金钱 1/27/20

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今天掌握货币…It’s a MOTLEY FOOL MONDAY!! The Motley Fool Money Show is one of the most popular stock market talk shows in America, featuring 顶级市场专家 并听见 百万 的听众到海岸,包括在Money Radio上的星期六!在更新市场和今天之后’财经新闻报道,我们’将带您观看Motley Fool Money Show的独家广播–再加上史蒂夫(Steve)的赚钱和省钱创意,您赢了’t want to miss! — 掌握金钱 IS ON THE AIR

掌握金钱 1/24/20

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如果您很聪明,则税务筹划是全年的活动。 而且,如果您更加聪明,则不仅要注意 ALLOCATION strategy 对于 your 投资s, but also your LOCATION strategy. Knowing WHERE to locate your various 投资s inside OR outside of IRAs and Roths is something that is easily done with a little planning upfront. For example, many investors will pay taxes on mutual funds this year even though they never took out a penny from their account. They–and maybe you–will get charged 对于 capital gains that occurred in the fund during the year even though you didn’t cash in. Today, we’我们会指出,避免对您的投资产生不必要的税收,然后从CPA Nick Stefaniak获得一些计划见解。您不参加的重要节目’t want to miss  掌握更多资金!!

掌握金钱 1/23/20

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Target-date funds — actively managed funds with a pre-determined asset allocation that automatically shifts as an investor ages — are an easy option 对于 the hands-off investor, and their popularity increases every year, according to a new report. But while they have many attractive features, experts advise investors to consider all of their options before committing all their capital. And currently, the risks 对于 a person contemplating or in retirement have never been higher 对于 Target Date Funds. We’将研究为什么该说法在今天是正确的’表演,具有不可辩驳的逻辑和简单的数学运算。如果您想了解自己可能要承担的风险,’t be right now, don’t miss today’s show….掌握更多资金!!

掌握金钱 1/22/20

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大多数投资者,尤其是退休或即将退休的投资者,都在寻求降低风险的同时,谨慎地在股市中增加资本。收益不错,但大幅缩水令人作呕,尤其是在退休时’没有全职工作的收入来源,时间不再在您身边。    
When time IS on your side, and because most bear markets tend to last only six months to two years at the most, you are able to rebuild the value of your account simply 通过 staying put on not rushing 对于 the exit. The only people who lost in 2008 and 2009 were those who sold at the bottom. The market has some room to run according to experts, but we all want to keep a good share of money OUT of harm’s way. But are bonds the answer 对于 the safe money side of your plan? Today, we’我会检查为什么沃伦·巴菲特(Warren Buffett) 说债券是很糟糕的投资。然后,健康保险和Medicare专家Shelley Grandidge加入了我们。  You don’t want to miss today’s show…MASTERING MONEY  is on the air!!

掌握金钱 7/15/20

Bad news 对于 Sean Penn, chef Mario Batali, Adam Schiff, Cal Ripken, James Comey, Dr. Oz, John Elway, Anthony Robbins, Dave Ramsey and the nearly four million other (still living) Americans born in 1960. Unless Congress acts, the Covid-19 recession will cost 所有1960年的婴儿约占其预计的社会保障福利的9%!  These famous people might feel it much, but if you were born in 1960, you need to know that you have gotten a big paycut 对于 life, 除非国会为您解救。 对于普通工人,假设他们  collect benefits 对于 18 years, the present value of their lost lifetime benefits would be more than $45,000 DOLLARS, due to the 对于mula that has been in effect 对于 decades. We’ll确切地解释为什么今天,然后Medicare和健康保险专家Shelley Grandidge将解释如何节省数千美元的健康保险。这是你不想要的一个节目’t want to miss…掌握更多资金!!!

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掌握金钱 7/14/20

苹果–the company– has been one of the most prolific success stories on Wall Street 对于 more than three decades. 苹果, the stock, has created a lot of wealth 对于 those who bought early and simply hung on. 苹果 first sold shares to the public on Dec. 12, 1980, at $22 per share. The stock has split four times . A $10,000 投资 in 苹果 in 1980, would put your value right now at about $7.2 million dollars. So, is 苹果 all done building millionaires? Well think about it– There are now over ONE BILLION iphone owners who are buying or subscribing to 苹果’s other products and services. 苹果 has a ten to twenty five year vision 对于 many NEW devices, wearables, services, accessories, credit cards, finance, and more. Today, we’ll investigate exactly what makes 苹果 tick, and whether or not it will keep on ticking. You don’t want to miss today’的特别财富展示….掌握更多资金!!!  

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掌握金钱 7/13/20

今天掌握货币…It’莫特利·FOOL星期一! Motley Fool Money Show是美国最受欢迎的股票交易市场之一,其特色是 top market experts and heard 通过  millions 的听众到海岸,包括在Money Radio上的星期六!在更新市场和今天之后’财经新闻报道,我们’将会带您观看Motley Fool Money Show的独家广播,以帮助您投资更聪明–再加上史蒂夫(Steve)的赚钱和省钱创意,您赢了’t want to miss! –it all starts NEXT… 掌握金钱 IS ON THE AIR!     

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掌握金钱 7/10/20

建立到2020年及以后的退休财富的明智方法是采用更明智的财务分类计划,将您的资金细分并隔离为清晰明确的财务分类,每个分类都有其特定的任务和时间期限。每块钱都应该有一份工作要做,并且要善于做。  Traditionally, bonds were the tool of choice 对于 protecting a portfolio from market loss while providing competitive income. That is no longer the case. Bonds today are paying in the range of eight tenths of one percent 对于 ten years. In other words with a half million in the safest bond fund at Vanguard, you will make about four thousand dollars 对于 an entire YEAR. 史蒂夫会告诉您您赢得的新解决方案’t want to miss. Then, health insurance and 医疗保险expert Shelley Grandidge joins us 对于 the Q & A. 这是你不想要的一个节目’t want to miss!  掌握更多资金!!

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掌握金钱 7/9/20

It’s no secret–科技公司和科技股在推动这一市场发展,不仅推动了纳斯达克市场,而且推动了Dow 30和S& P 500 higher. Should you be investing in technology as a long term retirement strategy? Does it make sense to know just what is happening in the world of robotics and cyber security 对于 example? Well, of course it does because you want position your dollars in the best possible way 对于 the most consistently strong returns. 今天掌握货币, we’ll review what’s REALLY happening 在机器人世界中,可能会令您震惊。学习明智的方法来投资不可避免的技术趋势,以及一些处于波澜壮阔的股票。你不’t want to miss it….掌握更多资金!!!

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