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How to make it, spend it, and invest it

Mastering Money

Mastering Money is hosted by Certified Income Specialist™ Steve Jurich. Steve’s comments have been seen on MarketWatch, CNBC.com, Bloomberg, and TheStreet.com. Steve is joined on most days by Money Radio favorite Ken Morgan as well as experts and authors from the world of Wall Street and real estate. New episodes published every weekday at 9am PST. Also, an encore show at 6pm PST. Listen every weekday to get a handle on emerging market trends, asset allocation strategies, social security, medicare, RMD planning, tax strategies, estate planning, annuities, life insurance and more!

Market timers would have you believe that they can make you rich by jumping in and jumping out of stocks just in time, based on charts. But on the list of the richest billionaires in the world, there are no market timers. The third richest man in the world is Warren Buffett, who built an empire around blue-chip stocks, competitive companies, value, and dividends. So, what IS a blue chip stock? The joke on Wall Street is that any stock that goes UP is a blue-chip stock! Today we’ll seek to define what a Blue Chip stock is in this fast moving market, then Steve has some planning insights especially for women, who may spend ten to fifteen years living on their own one day. This is an important show you don’t want to miss. MASTERING MONEY is on the air!!

Today on Mastering Money…It’s a MOTLEY FOOL MONDAY!! The Motley Fool Money Show is one of the most popular stock market talk shows in America, heard by millions of listeners—including Saturdays right here on Money Radio! After an update of the markets and today’s breaking financial news stories, we’ll take you to an exclusive broadcast of the Motley Fool Money Show–plus a whole lot more you SURELY won’t want to miss! — MASTERING MONEY IS ON THE AIR!

Wall Street has long promoted keeping 60 percent of your money in stocks and 40 percent in bonds as the ultimate retirement strategy, claiming an average of 8 percent returns over time. Is that figure reliable, or is it just sloppy advice in light of today’s high markets and historic low-interest rates? Brett Arends of the Wall Street Journal performed in-depth research to determine the viability and effectiveness of the 60-40 portfolio over the past 80 years. His findings? Except for two periods of dramatically declining interest rates, the 60-40 portfolio is in his words is “full of holes.” And today with bond rates so low, the risk of income shortfall from a traditional portfolio has never been higher according to Ernst & Young. Today, Steve will review exactly why your bond funds are at risk, and how quickly a retirement portfolio could be hurt if both stocks and bonds fall at the same time–which is a distinct possibility! You don’t want to miss today’s show…MASTERING MONEY is on the air!!

Remember When a Half Million or a Million dollars in a 401(k) Meant Your Money Worries Were Over? Once upon a time achieving the million dollar milestone meant you could install the hammock on the front porch of your oceanfront property! Not so much today! In fact, statistics show that there over fourteen million households with a net worth of more than a million dollars and guess what their number one fear is?  Running out of money. Today, we’ll explain why the worry is not illogical or irrational.  The math is a bit more worrisome than Wall Street brokers might have you believe. Then Steve will lay out the steps of putting a firewall between your income and growth capital so that you can actually STOP WORRYING about running out. A great show today that you don’t want to miss…MASTERING MONEY is on the air!

An annuity is an agreement with a licensed, regulated, and audited life insurance company to guard your capital, pay you interest,  and pay you income for a lifetime, like a pension. In fact, most annuities being acquired today by retiring professionals are for that very purpose—to lock in– and secure a safe, passive income in the range of five to nine percent for life, depending on age and deferral period. Annuities are now in demand for Rollover IRAs from 401ks. The reason is pretty clear–smart, logical people want to avoid being wiped out by the next market crash, and they want the safe, steady permanent income that only an annuity may provide. We have a mini-course on annuities today, then health insurance expert Shelley Grandidge joins us for the Q & A.  You don’t want to miss today’s show, MASTERING MONEY is on the air!!

With interest rates remaining low, retiring Baby Boomers can feel like they are being PUSHED into stocks. Bonds are paying ridiculously low-interest rates. But is it really worth it to lock up your funds for 10 years to earn 2.5 percent on a treasury? That won’t even keep up with inflation! For that little return, many of us would rather invest in a stock with a 4 percent or 5 percent dividend yield. Today on Mastering Money, Steve will demonstrate how a stock whose price declines by thirteen percent over ten years can more than double the return on the treasury bond, increasing an investors account value by nearly seventy percent–while the S & P was busy losing more than ten percent. Learn the PROPER way to invest in dividends for higher returns and lower risk. You don’t want to miss TODAY’S show. MASTERING MONEY is on the air!!

Today on Mastering Money…It’s a MOTLEY FOOL MONDAY!! The Motley Fool Money Show is one of America’s most popular financial radio programs dedicated to the Stock Market, heard by millions of listeners—including Saturdays right here on Money Radio! After an update of the markets and today’s breaking financial news stories, we’ll take you to an exclusive broadcast of the Motley Fool Money Show–plus a whole lot more you SURELY won’t want to miss! — MASTERING MONEY IS ON THE AIR!

No matter what your political affiliation, there is one thing we likely ALL agree upon: we ALL want clean air and water! The cleaner the better! The disagreement always centers on HOW to get there. Socialist thinkers believe the government can be trusted to tax and legislate our way to cleaner air, even if the economy comes to a grinding halt. Capitalists keep developing new technology to get the job done. While it’s true that global CO2 emissions continue to rise worldwide, many people are startled to learn that the USA easily leads the world in reducing CO2 output. Today on Mastering Money, Steve and I will review the disaster that would ensue if all petroleum-based products were outlawed, including everything you use made of plastic and nylon. It may shock you. Then health insurance expert Shelley Grandidge joins us for the Q & A. You don’t want to miss today’s show…MASTERING MONEY is on the air!!