Investor IQ
Investor IQ: Date: 03/20/2010
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Long-Term Care | Betty Doll , Asheville’s “queen” of long-term care, explains that Medicare often will not cover non-medical custodial care once one has trouble performing certain “activities of daily living.” Betty offers convenient webinars where she can bring you up the learning curve at www.bettydollltc.com. Or, call Betty at 225-9585. |
| Part 2: | |
Long-Term Care | Betty Doll, nationally recognized speaker and trainer regarding long-term care and its related issues, further explains that Medicare covers medically-related care, but not the general custodial care that people often require as they age. Betty also touches upon how one typically qualifies for benefits under a long-term care policy and provides a few statistics regarding one’s likelihood of needing long-term care. You may reach Betty at 225-9585 or visit www.bettydollltc.com. |
| Part 3: | |
Long-Term Care | Betty Doll, who holds the “Certified in Long-Term Care” credential, discusses shared benefits policies, the cost of home health care (see a cost survey at www.bettydollltc.com), how premium rate increases work, when one might consider buying long-term care coverage, the notion of tax-qualified long-term care policies, and care-giver choices. You may reach Betty at 225-9585. |
Investor IQ: Date: 03/13/2010
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Real Estate | Long-time real estate attorney David Matney (258-3395) discusses settlement statements, good faith estimates, discount points, origination fees. |
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Real Estate | You sit down at the closing table and you notice a substantial dollar amount for “yield spread.” Long-time real estate attorney David Matney (258-3395) explains what you ought to know about this tricky charge. He also explains some basics about title insurance. |
| Part 3: | |
Real Estate | Long-time real estate attorney David Matney (258-3395) shares insights about title insurance, escrow accounts, tax service fees, deeds-in-lieu-of-foreclosure, and a couple benefits associated with taking title (for married couples) as tenants-by-the-entirety. |
Investor IQ: Date: 03/06/2010
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Advisor Credentials / Ethics | Special guest, Hal Blackwell, a former broker of a major securities firm, explains how cheap online trades and the advent of the “Do not call” list destroyed the brokerage business model and its impact on retail investors. To read an expose about how Wall Street firms angle to skim investors’ profits, order Hal’s book, “Secrets of the Skim” visit www.halblackwell.com. |
| Part 2: | |
Advisor Credentials / Ethics | Special guest, Hal Blackwell, a former broker of a major securities firm, discusses how securities brokers might be influenced by certain conflicts of interest. To read an expose about how Wall Street firms angle to skim investors’ profits, order Hal’s book, “Secrets of the Skim” by visiting www.halblackwell.com. |
| Part 3: | |
Advisor Credentials / Ethics | Special guest, Hal Blackwell, a former broker of a major securities firm, explains that brokers are judged primarily by the level of revenues they generate for their firms – not by the success of their customers. Hal also discusses that brokers often have an incentive to jump from firm to firm and the impact this might have on the end customer. To read an expose about how Wall Street firms angle to skim investors’ profits, order Hal’s book, “Secrets of the Skim” by visiting www.halblackwell.com. |
Investor IQ: Date: 02/27/2010
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Selling a Business | Paul Quick shares insights related to selling a business from a business broker's point of view. Paul is a Certified Business Intermediary, and Broker-in-Charge at Asheville Business Consultants. You may reach him at (828) 254-3598. |
| Part 2: | |
Selling a Business | Mike Sowinski, shares insights related to selling a business from a bean counter's point of view. Mike is a CPA with 15+ years of experience and principal of CFO Consultants. You may reach him at (828) 712-2913. |
| Part 3: | |
Selling a Business | Paul Quick and Mike Sowinski discuss 1) which professionals are typically involved in the sale of a business, 2) the general prerability to sell the stock of a business rather than its underlying assets, 3) the importance of structuring the sale so that the seller has an incentive to work toward a smooth transition, 4) the notion of "goodwill,"and 5) that an installment sale might be used to reduce income taxes. |
Investor IQ: Date: 02/20/2010
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Divorce | Attorney Jennifer Moore (a board certified specialist in family law) discusses separation, divorce, litigation, consent orders, and court orders. (The Moore Law Office: 258-8053) |
| Part 2: | |
Divorce | Attorney Jennifer Moore (a board certified specialist in family law) discusses consent orders, privately negotiated property settlements, marital property, alimony, and child support. (The Moore Law Office: 258-8053) |
| Part 3: | |
Divorce | Attorney Jennifer Moore (a board certified specialist in family law) discusses property settlements, joint debt, and "legal" vs. "physical" child custody. (The Moore Law Office: 258-8053) |
Investor IQ: Date: 02/13/2010
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Estate Planning | Long-time attorney Steve Jackson (252-7300) explains how the repeal of the estate tax in 2010 could actually wreck one's estate plan and cause primary heirs to be disinherented. |
| Part 2: | |
Estate Planning | Long-time attorney Steve Jackson (252-7300) discusses "Powers of Attorney" and the different foms they take. |
| Part 3: | |
Estate Planning | Long-time attorney (252-7300) Steve Jackson discusses Health Care Powers of Attorney, Living Wills, and Anatomical Gifts. |
Investor IQ: Date: 02/06/2010
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Estate Planning | 30-year estate planning veteran (and attorney) Steve Jackson explains how the repeal of the federal estate tax in 2010 might INVALIDATE one's estate plan. |
| Part 2: | |
Estate Planning | Will Congress "repeal the repeal" of the estate tax in 2010? The elimination of the federal estate tax has effectively been replaced by a capital gains tax ... that would impact many more people than the estate tax ever would have! |
| Part 3: | |
Estate Planning | Attorney Steve Jackson expalins how the 2010 repeal of the federal estate tax could INVALIDATE your estate plan and result in your SPOUSE or other beneficiaries being disinherited! |
Investor IQ: Date: 01/30/2010
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Taxes | Tax scams. Don't try any of these! |
| Part 2: | |
Taxes | Tax scams. Don't try any of these! |
| Part 3: | |
Taxes | Tax scams. Don't try any of these! |
Investor IQ: Date: 01/23/2010
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Advisor Credentials / Ethics | Pearls of wisdom from Warren Buffett / Inflation-indexed investments |
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Investing | Inflation-indexed investments / Insured bonds / Dividends vs. interest |
| Part 3: | |
Investing | General investment concepts: Dividends, interest, appreciation, gains, total return, time-weighted return, dollar-weighted return / Tricky mortgages |
Investor IQ: Date: 01/16/2010
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Investor Psychology | Pearls of wisdom from legendary investor, Warren Buffett |
| Part 2: | |
Investor Psychology | Pearls of wisdom from legendary investor, Warren Buffett |
| Part 3: | |
Investor Psychology | Pearls of wisdom from legendary investor, Warren Buffett |
Investor IQ: Date: 01/09/2010
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Investing | Investing for yield? Don't be short-sighted. |
| Part 2: | |
Investing | Investing for yield?Understand "payout ratios." |
| Part 3: | |
Money Saving Tips | A few money-saving tips... |
Investor IQ: Date: 12/26/2009
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Investing | Trust preferred securities ... high yields ... with a bunch of potential drawbacks |
| Part 2: | |
Investing | More about trust preferred securities and the associated risks / Royalty trusts ... what they are... |
| Part 3: | |
Investing | Royalty Trusts ... what you ought to know about them before you take the plunge |
Investor IQ: Date: 12/19/2009
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Credit Reports, ID Theft & Junk Mail | How to protect yourself ... |
| Part 2: | |
Credit Reports, ID Theft & Junk Mail | Tips about Web surfing, ATM use, "free" credit reports that aren't, and opting out of junk mail. |
| Part 3: | |
Credit Reports, ID Theft & Junk Mail | Opt out of junk mail and "freeze" your credit profile instead of wasting money on credit monitoring services. |
Investor IQ: Date: 12/12/2009
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Social Security | Survivors' benefits |
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Talking Heads & Dangerous Advice | Beware the "blanket recommendation" (& a bit about Fed policy tools). |
| Part 3: | |
Fed Policy | The Fed drops clues about unwinding the stimulus. |
Investor IQ: Date: 12/05/2009
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Tricky Investment Products | Is your broker charging you twice? Learn how to figure it out. |
| Part 2: | |
Social Security | Need more money? Consider a retirement benefit "do over!" |
| Part 3: | |
Social Security | Spousal benefits, divorcee benefits, & cost-of-living adjustments |
Investor IQ: Date: 11/28/2009
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Life Insurance & Annuities | Universal life ... a complex solution to a simple problem |
| Part 2: | |
Life Insurance & Annuities | Universal life ... beware the policy "illustration" |
| Part 3: | |
Life Insurance & Annuities | Universal life ... that flexibility may work against you and your insurance agent does NOT represent you! / A bit about a major investment risk that gets no press: Sequence of Return Risk |
Investor IQ: Date: 11/21/2009
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Social Security | Civil servants may have reduced SS benefits (& a cautionary word about advisor credentials) |
| Part 2: | |
Advisor Credentials / Ethics | Stockbrokers are licensed to SELL securities, not render investment ADVICE. They're often referred to as "producers" because they're judged by how much they sell. Stockbrokers' and insurance agents' licenses are obtainable after a short period of study and are in no comparable to professional credentials. Also beware that brokers and agents represent their employers, not you! |
| Part 3: | |
Life Insurance & Annuities | Problems with "whole life" insurance. |
Investor IQ: Date: 11/14/2009
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Bonds | Even "safe" bonds may be loaded with risks. Credit risk may be obvious, but beware of reinvestment rate risk and interest rate risk. |
| Part 2: | |
Bonds | Understand how changes in interest rates affect bond prices. Persistent federal budget deficits may point to rising interest rates. |
| Part 3: | |
Economics & Investing | Rising deficits, the falling Dollar & some of the implications to investors. |
Investor IQ: Date: 11/07/2009
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Life Insurance & Annuities | Life Insurance on Children? Probably not! |
| Part 2: | |
Life Insurance & Annuities | Cash Value Life Insurance … the myths |
| Part 3: | |
Life Insurance & Annuities | More life insuance myths... Impaired risk annuities … for the ill ... |
Investor IQ: Date: 10/31/2009
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Estate Planning | Joint tenancy ... some pitfalls... |
| Part 2: | |
Investing | Exchange-traded funds (ETFs) versus traditional mutual funds |
| Part 3: | |
Investing | ETFs versus traditional mutual funds. Ever wonder why your broker-sold fund has an "A," "B," or "C" appended to the end of its name? It provides a clue as to how your broker gets paid! |
Investor IQ: Date: 10/24/2009
| Part 1: | |
Investing | Maintaining Liquidity / Penny stocks are dangerous! |
| Part 2: | |
Investing | Penny stocks are dangerous! |
| Part 3: | |
Economics & Investing | Unemployment vs. Stock Prices / Closed-Ended Funds |
Investor IQ: Date: 10/17/2009
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Funds (ETFs, Mutual, Closed-end) | Hear about the time a professional seductress jumped in Glenn's car ... before we get to the generalities of closed-ended mutual funds. |
| Part 2: | |
Funds (ETFs, Mutual, Closed-end) | Has your broker encouraged you to purchase a brand new closed-ended fund? Here's what you ought to know before you agree to that deal. |
| Part 3: | |
Funds (ETFs, Mutual, Closed-end) | Here's why you might not want to buy that brand new closed-ended funds from your broker. Ginnie Maes (GNMAs) caught your eye? Beyond that government guarantee, there are many risks worth knowing about. |
Investor IQ: Date: 10/10/2009
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Investor Psychology | A study where brained-damaged investors outperformed a normal group of investors suggests that when it comes to investing, emotion is an enemy of solid decision making. Another study is discussed that illustrates that people tend to draw inferences and conclusions - even in cases where it was impossible to draw any such inferences and conclusions. As an investor, are you guilty of these missteps? |
| Part 2: | |
Investor Psychology | Do you reach investment conclusions based on ill-defined gut feelings? Do you really understand the difference between gambling and investing. Many investors don't. |
| Part 3: | |
Talking Heads & Dangerous Advice | Since Cramer loves to make bold predictions, his feet are held to the fire a bit here. Investment scams are also discussed a bit. |
Investor IQ: Date: 10/03/2009
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Estate Planning | Attorney and estate planning specialist Larry Hartley discusses basic estate planning tools. |
| Part 2: | |
Estate Planning | Attorney and estate planning specialists Larry Hartley discusses powers of attorney, software-based estate planning solutions, living wills (declaration of desie for natural death), revocable trusts vs. irrevocable trusts, will substitutes, and a bit about the federal estate tax. |
| Part 3: | |
Estate Planning | Attorney and estate planning specialists Larry Hartley discusses intestacy (dying without an estate plan), other often-made estate planning mistakes, and a few notable estate planning catastrophes. |
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