Something More With Chris Boyd Show Podcasts

Ryan Tufts from Harbor One Mortgage joins Chris. From a historical perspective mortgage rates continue to be very low and the environment is very competitive. If you are thinking of refinancing, it may be good time to talk with a mortgage representative if your rate is above 4% and/or you are still covering mortgage insurance.   AMR talks about when to buy a house: Should you buy when interest rates are high and prices are lower? Is it always more advantageous to purchase a home versus renting?  

Chris and Brian discuss the $2Trillion infrastructure bill and what's covered in it. F. Keats Boyd III, President of Boyd & Boyd P.C. joins to discuss the potential tax implications of the bill.  Chris and Brian discuss investing in real estate - from home ownership, to property management, to REITs - and AMR's real estate portfolio. 

Brian talks about his financial marketing pet peeves. He does not want investors to jump on the bandwagon of what is being promoted by those preying on one’s gambling impulses and/or financial insecurities. These pet peeves include: Advice in day trading newsletters A brand name stock always rebounds RIAs that don’t talk with clients about portfolios and how they are comprised Isbeau Miller talks about her background and that of her husband. They started Beckon Homes.com as a property management business for luxury home vacation rentals in both Nashville and Cape Cod.   Chris talks about the holy season and current events.  

Chris and Brian talk about investing for income vs. investing for total return. Even if a company is paying dividends, if they fail to reinvest in their business then the company will likely lose value at some point. They also discuss momentum versus tactical investing. Momentum investing is buying when the stock price is going up and selling when it is going down. Tactical investing places clients into a strategic asset allocation based on risk preference. Since buying stocks is taking ownership in a company, AMR suggests investing based on the value of the company vs. the intrinsic value. 

AMR shares considerations for being tax efficient on your 2021 taxes, including withholdings, retirement plans, Health Savings Accounts, capital gains, investments, and annuities and insurance policies.

Maryanne Bombaugh, MD MSc MBA CPE, past President of MA Medical Society, joins Chris to check in on Covid-19 and the vaccines. They discuss: What do the trends indicate? How effective are the vaccines? Are they safe and being disseminated quickly enough? What do we think the pandemic will end?  

AMR shares tax planning considerations, as well as Biden’s tax plan and the potential impact on the economy. Brian talks about rising bond interest rates and what drives the rates.

F. Keats Boyd, III, President of The Law Offices of Boyd & Boyd, P.C., joins Chris to share steps for establishing a stay-at-home plan for seniors: establish a revocable trust-based estate plan, a single-story living plan, and a care plan. They also discuss nursing home care, Covid-19, how Medicaid plans work, and more.  

On this Veterans Day, Chris welcomes Bill Blaisdell and Joe Taylor from the Cape & Islands Veterans Outreach Center to share the great work that they do to help veterans. Anthony Encarnacion, a highly decorated combat veteran who served the US Army in Iraq, shares his personal story and how the Outreach Center “saved his life”. Chris and Cathi review the updated MA Covid-19 Order to help curb the virus spread.  

Christian Weller, PhD, from UMass Boston McCormack Graduate School of Policy and Global Studies discusses wealth and housing gaps of African-Americans in the U.S., and the resulting outcomes. 

Lisa Oliver, President & CEO of The Cooperative Bank of Cape Cod, shares the bank’s experiences over last several weeks and how it will impact community banking going forward. Lisa also discusses the Payroll Protection Program and how the bank has been helping community businesses.

The AMR team answers: Why is the market going higher in the midst of coronavirus and civil unrest? What is causing personal savings rates to be at 33%? What’s in the proposed PPP Flexibility Act? Attorney Susan Huettner talks about divorce and family law during “social distancing”. 

Stephanie Kelly, Executive Director, talks about the programs  Samaritans on Cape Cod and the Islands offer. Chris and Cathi read advice for recent grads from our listeners. Scott and Chris answer mailbag questions: What are the biggest things that get retirement savings off track? Which of my assets do I draw from first to provide cash flow for living expenses? 

Does unemployment have an impact on collecting Social Security benefits? Am I eligible for Social Security if I have a public pension? How does Social Security work if I am divorced? Chris and Kurt Czarnowski continue the Social Security discussion. Part 2.

How do you re-create a paycheck in retirement? Listen to Scott and Chris discuss expenses, investable assets, and other financial planning factors to consider when in or near retirement.

Chris welcomes Social Security expert Kurt Czarnowski. This is a must listen if you are thinking about taking benefits or have questions.  Part 1 of 2.

Scott and Chris share more financial planning tips from the recent AMR “Financial Planning in Pandemic" webinar – https://amrfinancial.com/account-access/. Michelle DeSilva from Cape Cod Cares for the Troops talks about the care packages they send to troops and how people can support this program.

Cathi shares results of the state re-opening survey. Chris welcomes Brigadier General Christopher Faux of Joint Base Cape Cod. Scott and Chris share highlights from the recent AMR “Financial Planning in Pandemic webinar.

Adam S. Minsky, Esq., student loan attorney, explains the CARES Act implications for student loans. Kristin O’Malley, President & CEO of the Cape Cod Foundation talks about fund raising efforts to help non-profits affected by COVID-19. 

Chris and Brian Regan, AMR’s Portfolio Manager, talk about considerations when investing in stocks - valuation, risk, diversification, exit strategy, and more. #SMoreCB #CapeCodfinancial planner