How to Buy Bonds

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Mary from Colorado starts off the latest show as she’s trying to figure out the best way to start implementing a bond position. Familiar with buying stocks and mutual funds, Mary is finding the bond market to be rather confusing and mysterious, hence the call to the show.

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Keeping the economy strong will require addressing two distinct but related problems. Steadily rising federal debt makes it harder to grow our economy, boost our living standards, respond to wars or recessions, address social needs, and maintain our role as a global leader. At the same time, we have let critical investments lag and left many people behind even as overall prosperity has grown. 

Our latest guest in hour two, William Gale, is a leading authority on how federal tax and budget policy affects the economy, and in his latest book, Fiscal Therapy: Curing America's Debt Addiction and Investing in the Future, Gale provides a direct discussion of the challenges posed by the imbalances between spending and revenue. 

America is facing a gradual decline as debt accumulates and delay raises the costs of action. But there is hope: fiscal responsibility aligns with both conservative and liberal goals and citizens of all stripes can support the notion of making life better for our children and grandchildren.

We face significant fiscal challenges but, if we are wise enough to seize our opportunities, perhaps we can strengthen our economy, increase opportunity, reduce inequality, and build better lives for our children and grandchildren. We do not have to kill popular programs or starve government. 

As the book discusses, one main goal of fiscal reform is to maintain the vital functions that government provides. To act responsibly, pay for the government we want, and shape that government in ways that serve us best.

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Do I Need More Bonds?

People love the idea of seeing their investments go up and up and up. But what about when things go down? Where’s the protection? That’s why bonds need to be a part of the overall allocation. That’s the discussion as we kick off the latest show with DJ from Texas. A great call and important lessons to be learned.

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Hour two was more from the endless pile of emails and a surprise guest to help break down tax season.

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When to Use Bonds

You're saving and saving and saving for retirement. Most of it is in stocks...but what about bonds? Do you need them and what's the best way to start mixing them in? That's what we chatted about with Dee from Seattle on the latest bonus call.

“Better Off” is sponsored by Betterment.

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100 Questions Every First-Time Home Buyer Should Ask

Home ownership has always been considered an essential part of the American Dream.

And while it may be getting harder to accomplish—especially for the millennials—it’s still pretty high on the list of goals. If you’re going to do it, make sure you do it right by doing your homework and asking the right kinds of questions:

• What can you afford?
• What do you want in a home, and what do you really need?
• What does "location, location, location" really mean?
• How do I decide what to offer on a house?
• What exactly does the closing process look like?

While it’s hard to ignore all the financial implications of making such a large investment, there are, of course, the equally important issues related to life, family and relationships that arise in buying a home.

And quick postscript to all you millennials out there who want to buy, but feel like the cards are stacked against you...hit up the app store on your phone and put all the tools and technology at your fingertips to use to help you find the best deal possible.

And remember, the American Dream is still very much alive and achievable.  

“Better Off” is sponsored by Betterment.

Have a finance related question? Email us here or call 855-411-JILL.

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#359 - Bond Boot Camp: What They Are and How They Work

A new year, a new website and the questions are pouring in!  

First up this week was Tom from New Hampshire who is looking to get his financial life in order.  It wasn't too long ago that it went a bit off track but with a new year, Tom has some benchmarks he's looking to meet and wanted to run them by us.  Next up was Erin in New Mexico who is going through a divorce and wants to make sure she's properly protecting herself.  We finished up hour one by answering a handful of email questions. 

On to hour two...

What’s a portfolio without a bond position? It’s incomplete and potentially riskier than necessary.

We field so many questions about your portfolios and asset allocation and while stocks may seem sexier because of their upside potential, you always hear me stress that everyone needs exposure to bonds as well.

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We rarely dive into bonds in great detail--what they are, how they work, and why you absolutely need them, which is why I thought it would be time for a little Bond Boot Camp. Our leader for this mission on today’s show is Justin Land, aka the ultimate bond guru.

Justin is the Director of Tax Exempt Portfolio Management at Wasmer, Schroeder & Company, an investment advisory firm based in Naples, FL.

In the current environment where it seems like the Dow is setting records on a daily basis, there’s probably a lot of people out there who want to be 100% invested in stocks. But what happens when the Bull turns into a Bear -- what will help protect you then?

What if I told you that by owning a bond position, you’d only miss out on a little of the upside, but in return, your downside would look far better when that eventual correction occurs. 

And make no mistake...it’s coming. It’s a matter of when, not if. 

After hearing this chat with the bond guru, if you don’t already, I hope you add some to your portfolio and start out 2018 on the right financial foot!

Have a finance related question? Email us here or call 855-411-JILL.

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Ep. 050 - Bond Boot Camp: What They Are and How They Work

What's a portfolio without a bond position? It's incomplete and potentially riskier than necessary. We field so many questions about your portfolios and asset allocation and while stocks may seem sexier because of their upside potential, you always hear me stress that everyone needs exposure to bonds as well.

What’s a portfolio without a bond position? It’s incomplete and potentially riskier than necessary.

We field so many questions about your portfolios and asset allocation and while stocks may seem sexier because of their upside potential, you always hear me stress that everyone needs exposure to bonds as well.

We rarely dive into bonds in great detail--what they are, how they work, and why you absolutely need them, which is why I thought it would be time for a little Bond Boot Camp. Our leader for this mission on today’s podcast is Justin Land, aka the ultimate bond guru.

Justin is the Director of Tax Exempt Portfolio Management at Wasmer, Schroeder & Company, an investment advisory firm based in Naples, FL.

In the current environment where it seems like the Dow is setting records on a daily basis, there’s probably a lot of people out there who want to be 100% invested in stocks. But what happens when the Bull turns into a Bear -- what will help protect you then?

What if I told you that by owning a bond position, you’d only miss out on a little of the upside, but in return, your downside would look far better when that eventual correction occurs.

And make no mistake...it’s coming. It’s a matter of when, not if. After hearing this chat with the bond guru, if you don’t already, I hope you add some to your portfolio and start out 2018 on the right financial foot!

“Better Off” is sponsored by Betterment.

Have a finance related question? Email us here or call 855-411-JILL.

We love feedback so please subscribe and leave us a rating or review in iTunes!

Connect with me at these places for all my content:

https://twitter.com/jillonmoney

https://www.facebook.com/JillonMoney

https://www.instagram.com/jillonmoney/

https://www.linkedin.com/in/jillonmoney/ 

http://www.stitcher.com/podcast/jill-... 

http://betteroffpodcast.com/

https://itunes.apple.com/us/podcast/b...

"Better Off" theme music is by Joel Goodman, www.joelgoodman.com.