Byron Moore, CFP® and Mike Jones

Wisdom on Wealth

The year ahead: hopes and fears

By Mike Jones, posted January 20, 2017

As we begin 2017 many research reports have crossed my desk predicting and prognosticating just how this year could play out.  All we know at this time is the number of variables is seemingly very wide. 

Podcast - Do you have an advisor or a salesman? (2:43)

By Byron Moore, posted January 19, 2017

The following segment first aired on KEDM 90.3.

Our financial system allows for both brokers and advisors, probably because both have useful (if different) roles to play. Just make sure you know which one you’ve got and which one you need.

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Should I co-sign my grandchild’s college loan?

By Byron Moore, posted January 17, 2017
Originally published in the News Star and the Shreveport Times on Sunday, January 15, 2017.

granddaughter college_sm.jpgQ: My granddaughter has been through a lot. Her parents divorced and she has struggled in school. She wants to go to college, but neither parent has enough money to send her. She can get a loan to go to college, but she says I will have to co-sign for her to get it. It won’t cost me anything to co-sign so I don’t see what the harm is. What do you think?

A: I think you need to ask a lot more questions. Or you might get an education you didn’t count on.

Podcast - A plan with no implementation may be worse than no plan at all (2:51)

By Byron Moore, posted January 12, 2017

The following segment first aired on KEDM 90.3.

Most of us need a planner and a coach. Find someone who will not only give you a plan, but will coach you through the implantation process and keep you on target.

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401K plans – route to a rosy retirement?

By Byron Moore, posted January 9, 2017
Originally published in the News Star and the Shreveport Times on Sunday, January 8, 2017.

Blueprint_sm.jpgQ: I’ve been at my new job for enough time that I can now participate in my company’s 401K plan. I’ve heard mixed messages about these things. But if I don’t do a 401K plan, what else is there to prepare for retirement on day?

A: When you decide to build a new house, what’s the first thing you should do – go hammer shopping?

Podcast - Is there air in your (financial) spare? (2:31)

By Byron Moore, posted January 5, 2017

The following segment first aired on KEDM 90.3.

You’ll never have quite the feeling of warmth wash over you as when you experience a financial flat tire, open the trunk and there it is...that gorgeous, beautiful, spare tire...full of air and ready to roll.

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Podcast - Employee benefits: what if your boss owned your house? (2:27)

By Byron Moore, posted December 29, 2016

The following segment first aired on KEDM 90.3.

What if your boss owned your house?

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Learning from the ghosts of Christmas past, present and future

By Byron Moore, posted December 25, 2016
Originally published in the News Star and the Shreveport Times on Sunday, December 25, 2016.

Nightcap and candle_sm.jpgQ: I’ve made a big mess of my financial life and I wonder if I’ll ever get over it. This is the first Christmas I’ve had since falling on hard times and it’s not exactly merry. Do people as deep in the hole as I am ever get out?

A: Yes they do. But only if they learn.

Since it’s Christmas morning, let me borrow from Charles Dickens’ Christmas Carol and say that in order to move beyond your past failures and present difficulties into a bright future, you’re going to have to learn…from the ghosts of Christmas Past, Christmas Present and Christmas Yet to Come.

Podcast - Happiness and Money–what’s the relationship? (2:50)

By Byron Moore, posted December 22, 2016

The following segment first aired on KEDM 90.3.

We all know money can’t buy happiness…but most of us would love to give it a shot! 

No, we all know money can’t buy happiness. But few of us really believe that poverty is exactly the road to bliss either. So I perked up recently when I ran across an interesting idea: a formula for being happy.

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Single minded: making the most of your money while making it last

By Byron Moore, posted December 19, 2016
Originally published in the News Star and the Shreveport Times on Sunday, December 18, 2016.
 

man and dog_sm.jpg Q: I am single with no children or dependents. Just me and my dog. I will probably work five more years. I have no one in particular I am trying to leave money to, so how do I make the most of my money? One thing I want to make sure of is that I don’t run out of money before I die because there is no one else to take care of me.

A: The fact that you are single both simplifies and complicates your choices.

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