Byron Moore, CFP® and Mike Jones

Wisdom on Wealth

Pre-decisions

By Byron Moore, posted February 10th, 2014

The following column was published in The News Star on Saturday, Februrary 8, 2014.

Question: Is it possible for someone to be just out of control when it comes to spending? I’m talking about myself. I am very impulsive and just can’t control myself when it comes to spending.

Answer: Yes, it is possible to be all of those things – out of control, impulsive and just plain messed up when it comes to spending habits.

What is the financial atmosphere of your home?

By Byron Moore, posted February 3rd, 2014

The following column was published in The News Star on Saturday, Februrary 1, 2014.

Question: When we were growing up my father constantly reminded us to be responsible with money. But I always got the feeling with him it was about much more than being responsible. He seemed to get a lot of validation out of how much money we had, which I think went too far. As a result, I find myself shy about teaching my own kids financial responsibility for fear they’ll get the same message from me. Suggestions?

Answer: Most of the time we communicate our messages very clearly, despite what we say. Your father’s words said one thing, but his life said quite another, didn’t it?

Scared of scams

By Byron Moore, posted January 27th, 2014

The following column was published in The News Star on Saturday, January 25, 2014.

Question: I decided I need a financial person so I’ve started talking to a few individuals. Frankly I’ve been less than impressed. I just get the feeling they want to sell me their thing, whatever it happens to be. It is always like this?

Answer: Slimy types will always be drawn to any profession offering access to people’s money.

Advice for young couple wanting to a start family

By Byron Moore, posted January 23rd, 2014

Question:  My husband and I want to start a family soon. We both work now, but we would really like for me to be able to stay home when we have a family. All of our friends say it's really hard to do, but we'd really like to. What can we do? 

Answer: Well one thing's for sure - you can't be like your friends.

Investment Insights: 4th quarter, 2013 review

By Mike Jones, posted January, 23rd, 2014

In my inaugural portfolio review last quarter, I stated that "the bond market would be a tough place to navigate."  That proved to be accurate.  Bonds will continue to be an investment arena that will require diligence and investment attention if interest rates continue to rise. 

Learn about life while you work

By Byron Moore, posted January 20th, 2014

The following column was published in The News Star on Saturday, January 18, 2014.

Question: I want to get my teen-aged son involved in my business. I am not trying to force him to come into business with me (although I like that idea). I just know he needs more than he’s ever going to get in school to learn how life really is. Do you think this is a good idea?

Answer: It could be, as long as you both know what’s expected.

Four roads to retirement income, part 2

By Byron Moore, posted January 13th, 2014

The following column was published in The News Star on Saturday, January 11, 2014.

Question: I will be retiring in a few years. I will have Social Security, money in my 401(k), some company stock I’ve acquired over the years and some cash. I think I’ll have enough, but I am not sure the best way to take out money when I need it. What’s the best way to take it out?

Answer: Last week, we began looking at the four most common ways to tap into your retirement funds for a regular income stream. We’ll do a quick recap, and then cover the third and fourth methods.

Four roads to retirement income

By Byron Moore, posted January 6th, 2014

The following column was published in The News Star on Saturday, January 4, 2014.

Question: I will be retiring in a few years. I will have Social Security, money in my 401(k), some company stock I’ve acquired over the years and some cash. I think I’ll have enough, but I am not sure the best way to take out money when I need it. What’s the best way to take it out?

Answer: The best way is whatever method works best for you. It doesn’t matter what anyone else does.

Investing Truth No. 4: Declining markets are riskier

By Mike Jones, posted December 16th, 2013

Most people think of investing as a personal activity that directly impacts their individual future.  However, most of what we are taught is really only applicable to investors en masse, i.e. the market-at-large, and over large periods of time.  Over the next several months I will share 10 points that I believe every investor should know prior to committing funds to any investment program.

Boy was last month's column on uptrending markets fun to write!  If markets would only go up all the time... all we'd ever have to do is read our account statements each month to see how much more money we've made.

This Christmas, give what no one else can

By Byron Moore, posted December 16th, 2013

Question:  What are you giving for Christmas this year?

Answer: Each year there's an "it" gift that everyone seems to want, yet it's often hard to find. Remember Tickle-Me Elmo?

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