Byron Moore, CFP® and Mike Jones

Shreveport Times columns

Is it investing or is it speculation?

By Byron Moore, posted February 1, 2016
Originally published in the News Star and in the Shreveport Times on Sunday, January 31, 2016.
 

stock market bear bull_sm.jpgQuestion: My investment advisor tells me I need to be more of an investor and less of a speculator. What does that even mean? It sounds like two words for the same thing.

Answer: Speculating is very different from investing. But many an investor has sunk his own boat by behaving like a speculator.

Divorce – who gets what when you split?

By Byron Moore, posted January 19, 2016
Originally published in the News Star and the Shreveport Times on Sunday, January 17, 2016.
 
Question: My husband and I have been separated for almost a year now. We were married for 12 years. Long story short he cheated. I tried to stay to work things out, but I couldn’t. I just want to know what I am entitled to as far as pensions, social security, if he passes a way, etc. once I file for divorce.
 
Answer: Divorce is expensive at so many levels.

When and how to help

By Byron Moore, posted January 11, 2016
Originally published in the News Star and the Shreveport Times on Sunday, January 10, 2016.
 
lifesavers_0.jpgQuestion: I have the unusual task of trying to teach my middle aged brother about basic financial management. He is broke and in debt and is now living with our mother. After going through a divorce and a rebound girlfriend, he now has credit card debt, no car, no assets and no job. I want to help him, but don't want to throw cash at him. I was taught by my father to save, but apparently my brother didn't get it. Any suggestions on where to start?
 

Answer: Ever since Cain and Abel, mystified parents have wept many a tear over the enigma of one brother turning out so differently from another.

Don’t skip the foundation… Build down deep before you build up

By Byron Moore, posted January 4, 2016
Originally published in the News Star and the Shreveport Times on Sunday, January 3, 2016.
 
foundation2_0.jpgQUESTION: I have as a goal to really start focusing on building my portfolio this year. Where should I begin?
 
ANSWER: If you want to build high, you should first go deep.

New Years Financial Resolutions for 2016

By Byron Moore, posted December 28, 2015
Originally published in the News Star and the Shreveport Times on Sunday, December 27, 2015.
 
QUESTION: In these crazy times, what do you suggest for New Year’s Resolutions in my financial life?
 
ANSWER: Here are five to ponder as the New Year approaches:

Dealing with belief and unbelief at work during Christmas

By Byron Moore, posted December 21, 2015
Originally published in the News Star and the Shreveport Times on Sunday, December 20, 2015.
 

nativity_0.jpgQuestion: I am not a believer (Christian or otherwise). But most of my employees are. So when Christmas rolls around I usually get a steady stream of subtle and not so subtle sales pitches to believe. From what I read I am guessing you are a believer yourself. Can you help me respond to the pitches in a way that is respectful, but doesn’t lead to more of the same? This is getting old and (frankly) it seems to hurt productivity around here.

Answer: Tonight you will be visited by three spirits. The first at midnight, the second at one o’clock and the last at two…

Just kidding. I couldn’t resist.

Do your words and your wallet say the same thing?

By Byron Moore, posted December 14, 2015
Originally published in the News Star and the Shreveport Times on Sunday, December 13, 2015.
 

Parents Supporting Adult Kids-coins_0_0.JPGQuestion: I cut out your articles regularly and send them to my son. But he doesn’t seem to get it. My husband and I have tried to teach him to be responsible, but we are still having to pay his phone bill and his car insurance, and whenever he comes home he asks me for cash. He’s out of college and he’s got a job, though not a good one. He says he doesn’t make enough money, but this just can’t keep going on. What do you suggest?

Answer: You say you have tried to teach your son to be responsible, but actually the opposite is true.

For most retirees, simple is best

By Byron Moore, posted December 7, 2015
Originally published in the News Star and the Shreveport Times on Sunday, December 6, 2015.
 
balanced retirement_0.jpgQUESTION: My husband and I are getting serious about planning for the future. We want to save for retirement, but we are unsure exactly how to do that. I don’t think just putting everything in a retirement plan is a good idea, because we might need to get to the money before then. But if not there, where should we put it?
 
ANSWER: You may be starting with the wrong question.
 

If you don’t like your financial past, create a new one

By Byron Moore, posted November 30, 2015
Originally published in the News Star and the Shreveport Times on Sunday, November 29, 2015.
 
money regrets_0.jpgQUESTION: I have totally screwed up my financial life. Where do I start? Overspending, maxed out credit cards, a bankruptcy. I mean it’s bad. I just woke up one day and I had dug myself into this incredible hole. But now I want to get out and I really don’t know how. Is it even possible?
 
ANSWER: Sounds bad. Very bad.
 
Is it possible? Yes. Easy? No.
 

Are you robbing tomorrow to fund today?

By Byron Moore, posted November 23, 2015
Originally published in the News Star and the Shreveport Times on Sunday, November 22, 2015.
 

TomorrowToday_0.jpgQUESTION: I  have a young family and I want to be able to provide for them the things I didn’t have growing up. I also know that saving money is important. But can I just save more later so that I can spend more on my family now?

ANSWER: Your heart is in the right place, but your understanding of how money and human nature affect one another may need a bit of remedial work.

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