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Josh Scandlen Podcast

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Helping YOU Understand Personal Finance!

Helping YOU Understand Personal Finance!
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United States

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Anchor FM

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Helping YOU Understand Personal Finance!

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English


Episodes

# 118 - Taxpayers Behaving Badly - Hilarious!

12/7/2018
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One of the most important lessons my mom taught me was that most IRS agents are reasonable. Thus, if you're in an audit, just do what they ask, don't be stupid and they'll be on their way soon enough. Of course, my mom said, the best thing is to not get audited to begin with. Well how do you do that? Be reasonable on your tax returns. For instance, don't claim a charitable deduction on the clothes you bought GoodWill by the purchase price of these clothes when at the retail store! Don't try...

Duration:00:36:17

# 117- Interview with Carrie Meyer, PhD Economics About Early 20th Century Farming and more...

12/6/2018
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I can't tell you how excited I am to have Carrie Meyer on the podcast today. Carrie was a professor of mine when I was at George Mason in the early to mid 1990s. By the wonders of the interwebz we've been able to stay in touch over these 20 plus years. She had written a most wonderful book called "Days On The Family Farm" which is a literal daily diary from lady who was keeping the books of her family farm in Rockford, IL. The diary takes us back in time to the first time getting a tractor,...

Duration:01:14:41

# 116 - Fear! What Are You Afraid Of?

12/5/2018
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File this under a Josh Rants episode please. Thus, if you're looking for financial planning specific info, this video is probs not for you. Because in this video I want to take a moment or 30, to talk about fear. And ponder why it is so prevalent in our modern culture. A culture where we have abundance like the world has never seen. Where we have so much food we refuse it when presented to us. Where we can literally go a whole day, a week even, and never know what the weather is outside....

Duration:00:36:06

# 115 - Jeremy Siegel's 2019 Predictions - Interesting Stuff From The Market Maestro

11/28/2018
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Jeremy Siegel grants his annual interview to Robert Huebscher over at Advisor Perspectives about his thoughts on the markets. https://bit.ly/2DSRE8O For those of you unaware, Siegal wrote the NUMBER ONE book on investing you will ever read. Here is the link for his 5th edition. If you are interested in markets, I'm telling you THIS is the book for you. https://amzn.to/2ScKFeQ ================================= GET ALL MY LATEST BLOGPOSTS: https://heritagewealthplanning.com If you like what...

Duration:00:22:22

# 114 - Why I HATE Retirement Projections - and You Should Too!

11/18/2018
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The Market Is Down…have you checked your Monte Carlo projections??? Last month you ran a retirement scenario that showed you had a 85% probability of success. Which left you feeling good because it showed you could retire at your anointed time. Yay for you! Yesterday you ran the same exact scenario but your probability of success is now only 70% meaning your going to have to work at your crappy, old job for 2 more years. “Nooooooooo!!!!” You scream into the night in pure panic. “I CAN’T do...

Duration:00:36:52

# 113 - Watch Out for Huge Capital Gain Distributions Coming by Year End

11/14/2018
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I'm telling you folks, if you're not paying attention to the capital gain distributions your mutual funds pay you could be in for a world of hurt. Big distributions from many fund companies are coming your way. Even worse, yes WORSE, is that some funds distributions will consist of SHORT TERM CAPITAL GAINS too! What can you do about this? Well, stay tuned to find out!

Duration:00:20:55

# 112 2018 Post-Election Tax Initiatives Rundown

11/12/2018
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Lots of good stuff across the board from election day. Maine, Colorado, Florida, Washington state even passed either good initiatives or defeated bad ones. The march towards more liberalization on weed moves ahead. I am very happy to see this too. Unfortunately, the good folks in North Dakota weren’t quite ready to go all in. But even their ballot, which would have legalized entirely didn’t go down in too big a way not to be revisited. My concern on legalization, of course, is the folks who...

Duration:00:20:24

# 111 - Direct Primary Care with Dr. Natalia Southerland

11/5/2018
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Direct Primary Care (DPC) is a wonderful alternative to the current insanity of health care. DPC offers a one-to-one relationship with your primary care provider (PCP) for a monthly fee. You get to know your PCP, he/she gets to know you. Because a DPC provider doesn't accept insurance, there is no middle man. You pay that monthly fee and have access to your provider. It's literally that simple. And, given that there are no insurance company's to satisfy, the fee you pay is significantly...

Duration:00:50:10

# 110 - Social Security Indexing: $16k in 1984 = $50k in 2017

11/4/2018
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I can't begin to tell you how many times I receive an email where someone is concerned about their Social Security benefit being wrong. They look at their statement and see that they'll receive say $2,000 at FRA but when they calculate the numbers themselves they don't come up with anything close to that. Then they'll see Youtube videos and other blog posts saying "Your Social Security statement is WRONG!!!" And without understanding they'll simply believe what they see, hear or read. This...

Duration:00:08:53

# 109 - The Sugar Conspiracy Article by Ian Leslie (Part 2)

11/3/2018
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You think science isn't politicized? Think again, my friends. In this episode I read from Ian Leslie's amazing article from 2016 "The Sugar Conspiracy" and you will see the politicization of "science" firsthand. Scary thing, though, is that science is supposed to be based on evidence. But what happens when evidence is not allowed into the public realm? Well, at least in terms of the food we eat, people die! And thus the purveyors of falsities need to be held accountable for why they are not...

Duration:00:38:21

# 108 - The Sugar Conspiracy Article by Ian Leslie (Part 1)

11/3/2018
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You think science isn't politicized? Think again, my friends. In this episode I read from Ian Leslie's amazing article from 2016 "The Sugar Conspiracy" and you will see the politicization of "science" firsthand. Scary thing, though, is that science is supposed to be based on evidence. But what happens when evidence is not allowed into the public realm? Well, at least in terms of the food we eat, people die! And thus the purveyors of falsities need to be held accountable for why they are not...

Duration:00:34:11

# 107 - Fidelity Proves The Era of Expensive Investment Management is Over

11/1/2018
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What arrived in the mail the other day? Nothing more than a piece from Fidelity investments advertising they now have funds that are LOWER cost than Vanguards... Wow... To see the change in the industry from a few decades ago to now, is nothing short of incredible. John Bogle, Vanguard's founder, was/is a pariah in the investment world. WHy? Because he shown a light on the sickening nature of investment managers getting rid off the back of their investors without adding ANY value. For many a...

Duration:00:14:08

# 106 - Social Security Trustees Report - 2018

11/1/2018
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Social Security and Medicare are NOT going broke, my friends. This doesn't mean there aren't issues to contend with but please, for the love of all that is good, do not fall into the trap that you shouldn't use Social Security in your planning. Now, with that said, I will not be shocked in the least if you pay more in taxes for your benefits, or even worse, more taxes ON your benefits. In fact, buried well in the Trustees report that say they say "An increasing fraction of all earnings will...

Duration:00:27:51

# 105 - My Interview with Horsesmouth.com

10/26/2018
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Latest episode of Josh Scandlen Podcast

Duration:00:55:11

# 104 - TSP WIthdrawal Options are HORRIBLE! Why You Should Roll to an IRA

10/25/2018
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I like the TSP. No, I LOVE the TSP! And you should too. However, when it comes to distributions from the TSP, you literally could not make it any more complex. For this reason alone, it would be wise to roll your TSP over to an IRA upon separating from service, unless you really, and I mean REALLY, want to leave your heirs with a nightmare. Now, when I say rollover to an IRA, I don't propose you put it into a high cost fund or annuity. You can get similarly cheap investments at Vanguard and...

Duration:00:33:12

# 103 - Medicare Shopping? Why You NEED a Broker

10/21/2018
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Medicare Annual Enrollment is upon us. That means it's your time to investigate new plans. Do not allow inertia to take hold and assume your old plan is still competitive, especially in the Medicare Advantage arena. SHOP to see if better plans are available! But how do you do that? Medicare.gov??? Good luck with that. As Elaine Floyd talks about in this article Medicare.gov did not list plans that ARE available to her and were actually quite favorable plans too. In fact, only by mistake did...

Duration:00:09:41

# 102 Stop Worrying So Much About Health Care!

10/21/2018
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More Americans are worried about health care costs in retirement than about running out of money. How does that make any sense? Nassim Nicholas Taleb in one of his books talks about more people thinks it's more likely that an earthquake in California will kill 3000 people than a natural disaster anywhere in the US will kill 3000. The first is a subset of the second. The first can't exist without the second existing too! So, if you're worried about the first, you should be inherently more...

Duration:00:43:35

#101 50% of Bankruptcies are NOT Due to Medical Expenses

10/16/2018
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Fakery abounds in our news media, I'm afraid to report. Ben Rhodes, a big wig with the Obama Administration said about the news media in regard to their coverage of foreign affairs: "The average reporter we talk to is 27 years old, and their only reporting experience consists of being around political campaigns. That’s a sea change. They literally know nothing.” Unfortunately, the media is also just as bad at pushing false narratives for domestic issues too. In this episode, I read from an...

Duration:00:34:14

# 100 Medicare Planning in Kansas - EVERYONE Should Listen though!

10/13/2018
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This episode is so much more than just talking about Medicare planning in Kansas. Jae Oh, from www.maximizeyourmedicare.com, discusses a wide, wide range of medicare planning issues here. Yes, Kansas is front and center, but listen closely as we veer into planning ideas that you should be aware regardless of where you live. It's a big deal folks. You simply don't have room to make mistakes. As always you can find Jae at his Youtube channel https://www.youtube.com/user/MaximizeYourMedicare...

Duration:00:31:21

# 99 Medicare Planning in Kentucky and MUCH MORE

10/13/2018
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Jae Oh is back to discuss Medicare Planning in Kentucky. But we go beyond that, big time, in this episode. Trust me, there'll be something for ALL to learn if you live in the great Commonwealth of Kentucky or not. You can sign up for Jae's weekly newsletter at www.maximizeyourmedicare.com. And go to his Youtube channel here https://www.youtube.com/user/MaximizeYourMedicare As always, feel free to visit my website too at www.heritagewealthplanning.com

Duration:00:24:41