If you missed Ray’s show live, you can always find the most recent show by downloading the podcast from Biz Talk Radio. Click here for the latest podcast of the Ray Lucia Show.
Ray Lucia’s intelligent input and charismatic nature add to his ability to make the fiscal world of financial, tax, and retirement planning not only easy for the average investor to understand, but interesting as well. Through his books, radio show, seminars, and individual consultations, Ray Lucia has made it his life’s work to help thousands […]
If you are nearing retirement and still working you may want to consider allocating your funds to a decumulation strategy right now. That’s because you never know what tomorrow may bring. It’s not just retirees and pre-retirees that need to focus on decumulation. No one knows if or when they’ll lose their jobs or become […]
There’s an old saying in the investment business, “It’s not what you earn, it’s what you keep.” Unfortunately too many investors take that to the extreme and end up paying far more in taxes in the long run. Take, for example, a married couple who thinks they’re pulling a fast one on Uncle Sam by […]
http://www.youtube.com/watch?v=54Sc0d_SjSI A balanced portfolio of the typical 60/40 mix of stocks and bonds may not be as productive as you might think. According to Bret Arends of Smart Money, a re-balanced 60/40 portfolio would have averaged an 8% return since 1920. That number is misleading. It not only ignores inflation but most of those gains […]
Sometimes the simple things we do — or don’t do — today, can have repercussions decades from now. In the case of what to do with your old tax returns, the best thing you can do is nothing. Keep them. Forever. Instead of trashing those old 1040s after the six years the IRS recommends, just […]
You’ve probably seen those ads on TV: Nice looking, smiling people thanking XYZ Debt Consolidation Service for making their lives worthwhile once more by lowering their monthly debt payments. But is XYZ really your new best friend? Maybe. Reducing debt is definitely the way to go, especially high-interest credit card debt. But before you sign […]
Baby Boomers are often called “the sandwich generation” – sandwiched between caring for their parents as well as for their own kids. If that describes you, one of your greatest challenges – both emotionally and financially – is to make sure your folks are prepared for their later years. First you must find out if […]
I’m a big fan of mutual funds. Investing can be simpler if you forget about the individual stocks and stick with mutual funds. They’re pretty close to being one-stop shopping for investors. And therein lies a problem: Do you buy’em and forget’em? A lot of investors do. But I want to remind you that a […]
Are you living paycheck to paycheck? According to a recent survey by AC Nielsen, you’re not the only one. Ray Lucia provides some simple tips to help you increase your savings. A little can go a long way.