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Money For the Rest of Us — Business
Money For the Rest of Us

A personal finance and investing podcast on money, how it works, how to invest it and how to live without worrying about it. J. David Stein is a former Chief Investment Strategist and money manager. For close to two decades, he has been teaching individuals and institutions how to invest and handle their finances in ways that are simple to understand. More info at moneyfortherestofus.com

Copyright: © All rights reserved

Latest Episodes:

What Happens If Your Brokerage Firm Goes Bankrupt? Jul 13, 2022

Show notes

How protected are you if the brokerage firm where you hold your stocks, bonds, and crypto assets files for bankruptcy? Why you shouldn't store your crypto assets with an online broker.

Topics covered include:

How traditional brokerage firms protect their client assets in case of bankruptucy
How cryptocurrency brokers, such as Voyager, mistreat their clients in bankruptcy proceedings
What is the safest way to hold cryptocurrency

For more information on this episode click here.

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Money For the Rest of Us Plus

Show Notes

Voyager To Acquire Circle Invest Retail Digital Asset Business From Circle Internet Financial—Cision

Welcome, Circle Invest! Voyager Acquires Circle Invest's Retail Customers—Voyager

Crypto lender Voyager Digital files for bankruptcy by Shivam Patel, Sinead Cruise, and Tom Wilson—Reuters

Crypto lender Voyager addresses customer anger in first bankruptcy hearing by Dietrich Knauth—Reuters

If a Brokerage Firm Closes Its Doors—FINRA

Crypto Broker Voyager Digital Says Three Arrows Capital Hasn’t Repaid $666 Million in Loans by Vicky Ge Huang—The Wall Street Journal

From $10 billion to zero: How a crypto hedge fund collapsed and dragged many investors down with it by MacKenzie Sigalos—NCBC

Update on Customer USD and Crypto—Voyager

Investors lament potentially lost ‘millions’ on Voyager bankruptcy by Brian Quarmby—Cointelegraph

Coinbase Quarterly Report

CFTC Charges MF Global Inc., MF Global Holdings Ltd., Former CEO Jon S. Corzine, and Former Employee Edith O’Brien for MF Global’s Unlawful Misuse of Nearly One Billion Dollars of Customer Funds and Related Violations—Commodity Futures Trading Commission

Related Episodes

387: Why Most Money Fails

392: What Is Money and How to Use It

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Part 2 - What Is Money and How To Think About It Jul 06, 2022

Show notes

David and his son Camden conclude their conversation about money.

Topics covered include:

A review of money principles discussed in Part 1
How money is created
How money is energy
Why bank runs occur
How cryptocurrency fails as money
How money is debt backed by debt

For more information on this episode click here.

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Money For the Rest of Us Plus

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Part 1 - What Is Money and How To Think About It Jun 29, 2022

Show notes

David and his son Camden hold a conversation about money, its attributes, how it's created, and how money differs from investments.

Topics covered include:

How our earliest money memories impact our views on money
The difference between public and private money
What are the two primary attributes of money
Why money should be accepted with no questions asked
How some countries use more cash than others
How money differs from investing
Why private money can be risky

For more information on this episode click here.

Show Notes

Free email course and PDF on how to beat inflation

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How to Survive a Bear Market Jun 22, 2022

Show notes

Three things investors can do to survive this bear market and thrive in its aftermath.

Topics discussed include:

What are bear markets, how often do they occur, and how long do they last
How the current bear market differs from previous ones
How severe have losses been for various asset classes
How have asset class long-term expected returns changed since last November when the sell-off began
What actions can investors take to make it through this bear market and take advantage of opportunities

For more information on this episode click here.

Episode Sponsors

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Show Notes

US Leading Indicators, Updated: Friday, June 17, 2022—The Conference Board

Investment Mentioned In this Episode

The Vanguard Total World Stock Market ETF (VT)

ARK Innovation ETF (ARKK)

iShares Edge MSCI Intl Value Factor ETF (IVLU)

Vanguard Total Bond Market ETF (BND)

iShares 20+ Year Treasury Bond ETF (TLT)

Related Episodes

306: Three Approaches to Asset Allocation

326: The New Math of Retirement Spending and Investing

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Why David Isn't Podcasting This Week and Our New Closed-End Fund Course Jun 15, 2022

Show notes

This week on the show, David shares some investing lessons from fly fishing and introduces our new course on How To Invest in Closed-End Funds.

Between now and the end of June get 25% off the course. You can learn more here.

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Are BlackRock and Vanguard Too Big and Powerful? Jun 08, 2022

Show notes

How big index fund and ETF providers have increased their sway over publicly-traded companies while potentially discouraging competition. What can be done about it?

Topics covered include:

How market share for assets under management has become increasingly concentrated with big fund complexes like Vanguard and BlackRock
What is a fiduciary relationship and how do asset managers serve as fiduciaries
Why do investors in index funds and ETFs have no input as to how fund sponsors vote on shareholder proposals
What percentage of outstanding shares do Vanguard and BlackRock own of publicly traded companies like Apple, Target, or gun manufacturers
How Vanguard and BlackRock use engagement and voting policies to influence publicly traded companies, particularly when it comes to climate risk and diversity
How ownership by Vanguard and BlackRock in publicly-traded companies in the same industry could discourage competition.
What can be done through regulation or through individual action to reduce Vanguard and BlackRock's influence

For more information on this episode click here.

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Show Notes

What BlackRock, Vanguard and State Street Are Doing to the Economy by Farhad Manjoo—The New York Times

Investment Company Fact Book

World's Top Asset Management Firms—ADV Rating

West Virginia Treasury Drops BlackRock Over Stance on Climate Risk by Alicia McElhaney—Institutional Investor

How an Organized Republican Effort Punishes Companies for Climate Action by David Gelles and Hiroko Tabuchi—The New York Times

The Future of Corporate Governance Part I: The Problem of Twelve by John C. Coates, IV

Larry Fink’s 2022 Letter to CEOs: The Power of Capitalism

BlackRock's gun money by Dan Primack—Axios

Investment Stewardship 2021 Annual Report—Vanguard

Proxy Voting Policy for U.S. Portfolio Companies

Anticompetitive Effects of Common Ownership by José Azar, Martin C. Schmalz, and Isabel Tecu

Common Ownership and Industry Profitability: A Crossindustry View by Haifeng Wang, Jan-Carl Plagge, James Rowley, Roger A Aliaga-Diaz

How ESG investing came to a reckoning by Harriet Agnew, Adrienne Klasa and Simon Mundy—Financial Times

Related Episodes

148: Is Your Financial Advisor Loyal to You?

234: Index But Don’t Herd

340: Climate Change, ESG, and What Should Investors Do?

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Is Airbnb Intensifying the Housing Crisis? Jun 01, 2022

Show notes

We explore whether long-term and short-term single-family home rentals are contributing to higher rents, higher home prices, and a housing shortage. What are the options for investing in this space and should we?

Topics covered include:

What is financialization
What are examples of how financialization and government policy has impacted housing
How homeownership rates vary around the world
How much of a presence do equity REITs have in the single-family home rental space
How a housing shortage and more vacation rentals show up in vacancy rates
How short-term rentals can magnify the housing shortage
What are options for investing in single-family home rentals

For more information on this episode click here.

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Show Notes

Financialization and the World Economy by Gerald A. Epstein

Housing Vacancies and Homeownership (CPS/HVS)—United States Census Bureau

List of countries by home ownership rate—Wikipedia

The Evolution of Homeownership Rates in Selected OECD Countries: Demographic and Public Policy Influences by Dan Andrews and Aida Caldera Sánchez—OECD Journal: Economic Studies

Best Places to Invest in Vacation Rentals in 2021 & 2022—AirDNA

Airbnbs Outnumber New York City Apartments in Hot Market by Michael Tobin—Bloomberg

AIRBNB Airbnb Enables “Split Stays” to Ease Inventory Woes by Mitra Sorrells—WIT

Amid Tucson housing shortage, Airbnbs fill up whole apartment buildings by Carol Ann Alaimo—Tucson.com

Vacation Rental Industry Statistics—iPropertyManagement.com

Average Airbnb Occupancy Rates By City [2022]—AllTheRooms

Investments Mentioned

American Homes 4 Rent (AMH)

Invitation Homes (INVH)

Sun Communities Inc (SUI)

Arrived

Roofstock

Related Episodes

154: Do Homeowner Tax Breaks Cause Homelessness?

238: The U.S. Is More Socialist Than Denmark Regarding Home Mortgages

258: How Financialization Pushes Up Home Prices

357: Is a Housing Crash Coming?

370 Plus: Investing in Latin America Stocks, TIPS, and Single-Family Rental Homes

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Will Quantitative Tightening Lead To Even Greater Financial Losses? May 25, 2022

Show notes

How financial markets and the economy performed last time the Federal Reserve took away the punch bowl by raising its policy rate and pursuing quantitative tightening. Things worked out fine that time. Will it be different this time?

Topics covered include:

Where did the phrase take away the punch bowl come from
How central bank actions can slow the economy and lower inflation.
The difference between having cash and having wealth
How quantitative easing and quantitative tightening work
What happened last time the Federal Reserve pursued quantitative tightening

For more information on this episode click here.

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Show Notes

Address before the New York Group of the Investment Bankers Association of America on October 19, 1955, by William McChesney Martin, Jr.—FRASER

M2—Federal Reserve Economic Data

Assets: Total Assets: Total Assets: Wednesday Level—Federal Reserve Economic Data

Assets: Securities Held Outright: U.S. Treasury Securities: All: Wednesday Level—Federal Reserve Economic Data

Americans Reported Strong Personal Finances Late Last Year, Fed Finds by David Harrison—The Wall Street Journal

270: Repo Rates Soared—Here’s Why It Matters

Related Episodes

270: Repo Rates Soared—Here’s Why It Matters

295: Federal Reserve Insolvency and Monetizing the National Debt

312: What the Federal Reserve’s New Policies Mean For Your Finances

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Why Most Money Fails - Six Principles to Navigate the Unstable World of Money May 18, 2022

Show notes

How should you approach money given most of it either collapses or loses its purchasing power due to inflation.

Get our free six-day email course on how to beat inflation.

Topics covered include:

How supposedly safe savings apps collapsed, wiping out users' savings
Why algorithmic stablecoins keep failing and why they are not black swans
What it takes for money to be successful
How money differs from investments

For more information on this episode click here.

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Show Notes

Power Women: Maria Eagleton, Mastercard-incubated Blockchain Company, is setting An Example For Women in Cryptocurrency by Shruti Sood—Morning Lazziness

@kashdefi, Twitter post, May 7th, 2022 7:54 AM

@kashdefi, Twitter post, May 8th, 2022 10:42 AM

Cryptocurrency TerraUSD Plunges as Investors Bail by Caitlin Ostroff, Elaine Yu, and Paul Kiernan—The Wall Street Journal

Cryptocurrency TerraUSD Falls to 11 Cents, Creator Announces Rescue Plan by Paul Vigna—The Wall Street Journal

@kashdefi, Twitter post, May 9th, 2022 8:57 PM

@kashdefi, Twitter post, May 9th, 2022 9:07 PM

@kashdefi, Twitter post, May 12th, 2022 11:01 PM

Intellabridge Announces Kash 2.0 and Kash Treasury Product Update—Intellabridge

There are 99 problems and Tether ain’t $1 by Bryce Elder—Financial Times

Tether cuts holdings of commercial paper, says majority of exposure in Treasuries -CTO—Reuters

Investors withdraw over $7 billion from tether, raising fresh fears about stablecoin’s backing by Ryan Browne—CNBC

Related Episodes

333: How The Covid Shock Nearly Destroyed The Financial System

373: Are Stablecoins Safe? Should You Own Them?

384 Plus: Survey Follow Up, A Stablecoin Collapse, and Trying to Analyze Ripple (unlocked for non Plus members)

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When Should You Pay a Premium? May 11, 2022

Show notes

What are examples of when it makes sense to pay more than the usual price or fair value for an item or asset?

Topics covered include:

Why we are willing to pay a premium for convenience, scarcity, status and to avoid waste
What is the difference between net asset value and book value
Why business development companies can sell at a premium
Why farmland REITs sell at a premium
Why closed-end funds sell at a premium
How to decide whether to pay a premium or not

For more information on this episode click here.

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Show Notes

The Fall of Netflix and Overlooked Assets W/ David Stein—The Investor's Podcast 445

Hercules Capital

Gladstone Land Corporation

The Gabelli Utility Trust—Gabelli Funds

Related Content

381: Investing in Business Development Companies (BDCs) and other Niche Assets That Trade on Stock Exchanges

How to Invest in Closed-End Funds

Guide to Farmland Investing

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