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Wednesday, February 29, 2012

Bob Brinker TIPS Advice

Bob Brinker Moneytalk Summary:  February 26, 2012  Radio Show.

Caller:  This caller is looking to take a small position in the Treasury Inflation Protected Securities.  The caller said he was looking at the TIPS ETF and the Vanguard TIPS fund and noticed different yields – one was 0.8% the other was 3.8%.  Bob said he would expect the yields to mirror their respective holdings other than the difference in the expense ratio.  The expense ratio on the Vanguard TIPS Fund is very low.  Bob said it sounded like it was not an apples-to-apples comparison and he needed to check what the ETF was holding as he expected a true TIPS ETF to be somewhat comparable yield.

EC: The Vanguard Inflation-Protected Securities Fund Investor Shares (VIPSX) has an expense ratio of 0.22% which is very low as Bob pointed out.  The average expense ratio of similar funds is almost 4 times that amount according to Morningstar.  Learn more about the fund at this url:

Caller:  Will the the Vanguard Inflation-Protected Securities Fund rise if inflation rises because of investors running to buy its shares, or will the NAV decline because of rising rates?  Bob said if you saw the base rate (which is now at record lows) start to rise, then you would likely see the NAV decline.  This is what we have seen in reverse since the base rate has gone down, in some instances in the negative territory, whereas the NAV has risen.

Caller:  This caller needs to put some money in his Roth and he is considering a bond fund that is also inflation protection.  How would you feel about putting money in a bond fund that is inflation protected? Bob said he wouldn’t do that and is not recommending it because the base rate has gone to silly low levels.

Caller:  What do you think will happen to inflation protected bonds if we see inflation rise quickly?  Bob said in his opinion the WORST thing that could happen for holders of inflation protected bonds would be for inflation to rise because if inflation goes up than interest rates will rise.  If that happens, then the base rates on TIPS will go up and that means the net asset value would decline.

EC:  Did a lot of digging for an article that explains the problem with TIPS right now and found it!  Check out this article entitled, “Why TIPS Make a Terrible Inflation Hedge” at this url:

Kirk Here:  I DO NOT agree 100% with Brinker and the article David links to is from a guy who wants you to buy gold.  
  • Gold has the POTENTIAL (not a prediction) to drop again.  Conservative investors would not be pleased if Gold dropped from $1700s back to any of the prices shown on this chart (Gold prices from 2000 to 2012) including under $300 just eleven years ago.
  • I buy TIPS directly from and they will NEVER lose any money.  I ONLY buy them for myself and my newsletter portfolio when the base rates are positive.  If you do that and hold to maturity, you will ALWAYS get your money back and get more, adjusted for inflation, than when you started.  They are complex so few really understand them.  
  •  CRBQ is another way to get inflation protection, but like gold (and stocks) it is at risk of a major decline.  

Charts for Inflation Protection:  CRBQ - GLDTIP - VIPSX

This above is a subset of the February 12, 2012 issue of "David Korn's Stock Market Commentary, Interpretation of Moneytalk (Bob Brinker Host), Financial Education, Helpful Links, Guest Editorials, and Special Alert E-Mail Service." Together David Korn and I write "The Retirement Advisor" newsletter.

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Monday, February 13, 2012

Moneytalk Old and New Regulars Lynn Jimenez, Bill Flanagan & Dr. Bill

This weekend Lynn Jimenez was the guest hostess for "Moneytalk with host Bob Brinker." There was some confusion posted in the comments section of our announcement "Lynn Jimenez Named Permanent Guest Host of "Moneytalk with Bob Brinker" that I will address here.

Lynn Jimenez was named as the permanent guest host of the nationally syndicated radio show "MoneyTalk with Bob Brinker" back the fall of 2009.   At that time, Lynn celebrated 20 yeas as the weekday morning business reporter on the number one radio station in San Francisco, KGO.  KGO also carried "Moneytalk with host Bob Brinker." 

KGO is no longer the ratings leader in the Bay Area.  That position currently belongs to KCBS "All News 740AM & 106.9FM." In an attempt to catch up with KNBR or even regain their number one rating slot, KGO dropped several shows including those of Bob Brinker and Dr. Bill Wattenburg.

In December of 2011, KGO dropped moneytalk for poor ratings KGO Drops Moneytalk with Bob Brinker. On December 7, the owners of 50 kilowatt KGO decided to add Moneytalk to their 5 kilowatt (less powerful) station, KSFO. It appears they kept Lynn on as the permanent guest host.

For as long time, Bill (William G.) Flanagan (Bill Flanagan Fan Club) was the regular substitute for Bob Brinker. Bill wrote a very good book called "Dirty Rotten CEOs" where he accurately described how CEOs were (and are) "Fleecing America."   Bill died last year and Bob Brinker paid tribute to him during his February 5, 2012 broadcast.

Some have confused Bill (William G.) Flanagan the guest host with one of Bob's regular third hour guests "Dr. Bill" Wattenburg (website) who was also fired from KGO (story) the same time Brinker's show was dropped.


Sunday, February 05, 2012

Moneytalk with Bob Brinker Host Summary for February 5, 2012

Moneytalk Show Summary:   On February 5, 2012 Bob Brinker hosted two hours of Moneytalk then played taped calls from past shows for the third hour.  Read our program summary at:
Congratulations to the New York Giants for defeating the New England Patriots 21 to 17 in a very exciting Super Bowl  XLVI (46). 

Feb 5 XLVIQ1Q2Q3Q4

Wednesday, February 01, 2012

Bob Brinker Listen Live Radio Stations

Below is a list of radio stations that carry "Moneytalk With Host Bob Brinker" live on the internet.

EST 4PM to 7PM
PST 1PM to 4PM

San Francisco: KSFO 560AM
FREE Moneytalk on-demand available for 7 days here.
Download each hour,  1PM to 4PM PST

More stations to listen live at:

If you know of any others not on our list, please send them to us or post them in the comments section.

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