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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

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Latest Episodes:

Is There a Global Energy Crisis? Nov 17, 2021

Show notes

With oil, natural gas, coal, and gasoline at the highest prices in eight years, we consider if there is an energy crisis due to an over-reliance on renewable energy sources.

Topics covered include:

How high have prices risen for oil, gasoline, natural gas, and coal
Why rising energy prices is a multifaceted problem as illustrated by coal
How the global energy mix has changed for power production
Why investment capital is flowing to renewable energy projects rather than fossil fuel projects
Why a clean energy transition leads to more volatile fossil fuel prices
How higher oil prices lead to greater adoption of electric vehicles
How renewable energy combined with battery technology will create lead to energy on-demand solutions

Thanks to Egnyte and Policygenius for sponsoring the episode.

For more information on this episode click here.

Show Notes

US coal prices jump to highest level since 2009 by Myles McCormick—Financial Times

China’s Energy Crisis Complicates Its Plans for Climate Announcements Ahead of COP26 by Sha Hua and Keith Zhai—The Wall Street Journal

China’s Coal War With Australia Fuels Shortage at Home by Chuin-Wei Yap—The Wall Street Journal

China’s Coal Shortage Threatens Farmers in India and Truckers in South Korea by Jiyoung Sohn in Seoul and Vibhuti Agarwal—The Wall Street Journal

The Gregor Letter

President Jimmy Carter - Report to the Nation on Energy (Video)

Share of renewables, low-carbon sources and fossil fuels in power generation, World 1990-2019—IEA

Oil 2021: Analysis and forecast to 2026—IEA

Statement on recent developments in natural gas and electricity markets—IEA

Renewable energy firms warn of difficult conditions amid slow winds by Jasper Jolly—The Guardian

Global EV sales rise 80% in 2021, as automakers including Ford, GM commit to zero emissions: BNEF by Robert Walton—Utility Dive

Everyday Driver

In 1900, Ladies’ Home Journal Publishes 28 Predictions for the Year 2000 by Josh Jones—Open Culture

Here’s what’s in the infrastructure bill that Biden signed today By Emily Cochrane, Christopher Flavelle, and Alan Rappeport—The New York Times

Battery Storage in the United States: An Update on Market Trends—U.S. Energy Information Administration

Metals may become the new oil in net-zero emissions scenario by Lukas Boer, Andrea Pescatori, Martin Stuermer, Nico Valckx—Vox EU, CERP

Related Episodes

346: Should You Buy an Electric Car or Truck?

What You Need to Know About Carbon Investing and its Effect on Climate Change

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Why Some Asset Bubbles Don't Burst Nov 10, 2021

Show notes

What conditions need to be in place for an asset bubble to continue and how that applies to stocks, cryptocurrency, and houses.

Topics covered include:

How to determine if there is an asset bubble
What are microbubbles and anti-bubbles
How the cannabis stock bubble burst
What is required to sustain an asset bubble
How the current runup in home prices differs from the housing bubble in the mid-2000s
What structural changes have led to the high valuations for U.S. stocks
What is the Great Wealth Transfer and will it impact stock prices

Thanks to Commonstock and LinkedIn for sponsoring the episode.

For more information on this episode click here.

Show Notes

All-Transactions House Price Index for Oakland-Berkeley-Livermore, CA (MSAD)—Federal Reserve Bank of St. Louis

S&P/Case-Shiller CA-San Francisco Home Price Index—Federal Reserve Bank of St. Louis

What Pops Stock Market Bubbles? Only Surprises, Rob Arnott Says by Vildana Hajric and Michael P. Regan—Bloomberg

Yes. It's a Bubble. So What? by Rob Arnott, Bradford Cornell, and Shane Shepherd—Research Affiliates

Bubble, Bubble, Toil and Trouble by Rob Arnott, Bradford Cornell, and Shane Shepherd—Research Affiliates

What's really going on with San Francisco Walgreens closures? by Eric Ting—SFGATE

SF ranks high in property crime while it ranks low in arrests by Phil Matier—San Fransisco Chronicle

Zillow’s Algorithm-Fueled Buying Spree Doomed Its Home-Flipping Experiment by Patrick Clark—Bloomberg

In Search of the Origins of Financial Fluctuations: The Inelastic Markets Hypothesis – Xavier Gabaix and Ralph S.J. Koijen

The Great Wealth Transfer—Cerulli Associates

How Does Intergenerational Wealth Transmission Affect Wealth Concentration? by Laura Feiveson and John Sabelhaus—Board of Governors of the Federal Reserve System

Related Episodes

226: How To Spot Asset Bubbles and What To Do About Them

234: Index But Don’t Herd

329: Meme Stocks, GameStop, Short Squeezes, and Bubbles

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Should You Hedge Your International Stock Exposure From Currency Fluctuations? Nov 03, 2021

Show notes

How to decide whether it is worth it to hedge currency exposure when investing outside of your home country.

Topics covered include:

How currency exchange rates impact investment returns
What factors impact currency exchange rates
What are carry trades and how do they influence exchange rates
How currency forward contracts work
How ETFs and funds hedge currency exposure
What to consider when deciding whether to hedge foreign currency exposure

Thanks to Egnyte and Quartr for sponsoring the episode.

For more information on this episode click here.

Show Notes

Rising U.S. yields push yen to lowest in nearly 3 years by Saikat Chatterjee—Reuters

Cutting Volatility in Foreign Stocks While Remaining 100% Invested: Hedge the Currency? by Jeff Weniger and Jeremy Schwartz—WisdomTree

Carry Trade Comes Surging Back With Biggest Gains Since 2016 by Robert Fullem and Brody Ford—Bloomberg

Related Episodes

209: Why Bother Investing Internationally?

283: Why You Should Care About Carry Trades

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Why Most Cities Thrive and What We Can Learn From Them Oct 27, 2021

Show notes

How New York City and other metropolises will overcome the pandemic economic shock. Why do some cities thrive while others devolve into chaos? How we can develop the resiliency of thriving cities.

Topics covered include:

How New York and other cities have dealt with the pandemic economic shock
Why the city of Port au Prince in Haiti is struggling
Why do cities fail less frequently than companies
How we can replicate the rhythms and cycles of cities
How most cities can evolve in response to the pandemic and we can too

Thanks to Felix Gray and Alto CryptoIRA for sponsoring the episode.

For more information on this episode click here.

Show Notes

Local Area Unemployment Statistics - New York City— U.S. Bureau of Labor Statistics

Scale: The Universal Laws of Growth, Innovation, Sustainability, and the Pace of Life in Organisms, Cities, Economies, and Companies by Geoffrey B. West

The Office Sector in New York City by Brian McElwain, Anita Yadavalli, and Amar Mehta—Office of the New York Comptroller

Desperate Haitians suffocate under growing power of gangs by Dánica Coto and Alberto Arce—The Associated Press

California’s approach to gendered toys says a lot about the state’s political direction—The Economist

HB 389: Poor policy, poorly written, bad for rural Idaho by Geoffrey Wardle—Idaho Business Review

Human History Gets a Rewriteby By William Deresiewicz—The Atlantic

The Dawn of Everything: A New History of Humanity by David Graeber and David Wengrow

Four Thousand Weeks: Time Management for Mortals by Oliver Burkeman

Related Episodes

171: The Extraordinary Impact of Cities

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Should You Invest in a Bitcoin ETF? Oct 20, 2021

Show notes

Why the new U.S.-based Bitcoin ETFs are a bad idea and will underperform Bitcoin.

Topics covered include:

What fund and ETF options are available for investing in Bitcoin
Why the U.S. has only authorized Bitcoin ETFs that invest in Bitcoin futures even though there are closed-end funds that hold Bitcoin directly
What is there a regulatory battle surrounding cryptocurrencies?
How closed-end funds differ from ETFs
How Bitcoin futures work
Why Bitcoin ETFs that invest in Bitcoin futures will lag the performance of owning Bitcoin directly
Why investors should avoid the new U.S. Bitcoin ETFs

Thanks to Policygenius and Justworks for sponsoring the episode.

For more information on this episode click here.

Show Notes

SEC Set to Allow Bitcoin Futures ETFs as Deadline Looms by Katherine Greifeld, Vildana Hajric, and Benjamin Bain—Bloomberg

U.S. SEC Chair Gensler calls on Congress to help rein in crypto 'Wild West' Katanga Johnson—Reuters

Bitcoin Strategy ETF—ProShares

Purpose Bitcoin ETF—Purpose Investments

Grayscale® Bitcoin Trust

Osprey Bitcoin Trust

Jacobi receives approval for "world’s first tier one" bitcoin ETF—Funds Europe

Remarks Before the Aspen Security Forum by Chair Gary Gensler—U.S. Securities and Exchange Commission

Coinbase abandons lending product after SEC pushback by Hannah Murphy and Stefania Palma—Financial Times

Coinbase calls for creation of dedicated crypto regulator by Hannah Murphy and Stefania Palma—Financial Times

First bitcoin futures ETF to make its debut Tuesday on the NYSE, ProShares says by Tanaya Macheel—CNBC

Rustication by Dennis J. Pogue—Mount Vernon Ladies' Association

Is Thomas Jefferson’s Monticello Constructed of Rammed Earth?—Earth Architecture

What is Roll Yield and How It Impacts Bitcoin, Commodity, and VIX ETF Returns—Money For the Rest of Us

Related Episodes

355: Which Money Is Crazier: The U.S. Dollar or Bitcoin?

319: Here Come Central Bank Digital Currencies

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Are Timeshares a Scam? How to Buy and Sell a Timeshare Vacation Rental Oct 13, 2021

Show notes

How the economics of timeshare vacation rentals work, and why they can be a great fit for some individuals.

Topics covered include:

When were the first timeshares introduced
What are the different timeshare ownership models
Why timeshares don't appreciate but fall in price after purchase
What are maintenance fees and why do they keep increasing
Who is the target market for timeshares and how do timeshare companies market to them
How timeshare companies make money
How to sell your existing timeshare
How to buy a new timeshare

Thanks to Quartr and LinkedIn for sponsoring the episode.

For more information on this episode click here.

Show Notes

The ABC’s of PUD’s (Part II): The Basics of Timesharing—American Bar Association

Second Quarter 2021 Earnings Conference Call July 29, 2021—Marriott Vacations Worldwide

Investor Presentation July 2021—Marriott Vacations Worldwide

SellMyTimeshareNow, LLC

Firm to Pay $2.6M, Stop Making False Timeshare Claims—Claims Journal

Related Episodes

24: Timeshares, Preppers and Permanent Portfolios

57: Live Like A Local When Traveling

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Will the U.S. Default? Debt Ceilings, Government Shutdowns, and the National Debt Sep 29, 2021

Show notes

Why the U.S. is closing in on both a debt default and a government shutdown.

Topics covered include:

How a government shutdown differs from a debt ceiling crisis
Why hasn't Congress passed legislation to fund the government and raise the debt limit
How refusing to increase the debt ceiling could impact Social Security
How big is the national debt and who owns it
Why we never know how much federal debt is too much: Japan vs the U.S.
How federal debt is used and how it has led to financial innovation
Why countries default on their debt
What are some of the challenges with central banks pegging interest rates and monetizing the debt
What could cause the U.S. dollar to crash and inflation to soar

Thanks to Alto CryptoIRA and LinkedIn for sponsoring the episode.

For more information on this episode click here.

Show Notes

America’s debt ceiling is a disaster, though fiscal rules can help—The Economist

Treasury Bulletin, September 2021—Bureau of the Fiscal Service

Major Foreign Holding of Treasury Securities—Department of the Treasury/Federal Reserve Board

Fed official warns of ‘extreme’ market reaction unless debt ceiling raised by Lauren Fedor, Colby Smith and James Politi - The Financial Times

Republicans Are Playing a Dangerous Game With Debt by Michael R. Strain—The New York Times

Explainer: What happens when the U.S. federal government shuts down? by Jason Lange—Reuters

Janet Yellen Says Treasury Could Exhaust Cash Reserves by Oct. 18 if Debt Limit Isn’t Raised by Nick Timiraos and Kate Davidson—The Wall Street Journal

Janet Yellen: Congress, Raise the Debt Limit by Janet Yellen—The Wall Street Journal

Devin Carroll on YouTube

In Defense of Public Debt by Barry Eichengreen, Asmaa El-Ganainy, Rui Esteves, and Kris James Mitchener

Different Types of Central Bank Insolvency and the Central Role of Seignorage by R. Reis

How do central banks control inflation? A guide for the perplexed by Laura Castillo-Martinez and Ricardo Reis—London School of Economics and Political Science

Can the Central Bank Alleviate Fiscal Burdens? by Ricardo Reis—London School of Economics and Political Science

Related Episodes

295: Federal Reserve Insolvency and Monetizing the National Debt

338: The National Debt, Inflation, and the U.S. Dollar—What Could Go Wrong?

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Why Are There So Many Shortages? Sep 22, 2021

Show notes

What is causing the shortage of goods and workers? What should we do about it?

Topics covered include:

How a tree pandemic killed billions of American Chestnut trees
How a massive increase in demand has crippled the global supply, leading to an eight-fold increase in shipping costs
Why there are so many job openings and people quitting their jobs
Why the free market doesn't work as well for child daycare
How stimulus payments during the pandemic reduced poverty rates
What is the lying flat movement
How everything is in place for an extended period of high inflation even though the bond market still anticipates inflation will be transitory
Why we should own real things and plan more downtime

Thanks to Policygenius and Masterworks for sponsoring the episode.

For more information on this episode click here.

Show Notes

The Demise and Potential Revival of the American Chestnut by Kate Morgan—Sierra Club

U.S. Imports to Increase by 20% by End of 2021—Material Handling & Logistics

The largest port in the US hit a new ship-backlog record every day last week, as 65 massive container boats float off the California coast by Grace Kay—Business Insider

The World Is Still Short of Everything. Get Used to It. by Peter S. Goodman and Keith Bradsher—The New York Times

‘Just Get Me a Box’: Inside the Brutal Realities of Supply Chain Hell by Brendan Murray—Bloomberg Businessweek

Rising Shipping Costs Are Companies’ Latest Inflation Riddle by Thomas Gryta—The Wall Street Journal

Income, Poverty and Health Insurance Coverage in the United States: 2020—United States Census Bureau

Employers Are Baffled as U.S. Benefits End and Jobs Go Begging by Katia Dmitrieva and Olivia Rockeman—Bloomberg

Job Openings and Labor Turnover - July 2021—U.S. Bureau of Labor Statistics

‘Lie Flat’ If You Want, But Be Ready to Pay the Price by Allison Schrager—Bloomberg

‘Can’t Compete’: Why Hiring for Child Care Is a Huge Struggle by Claire Cain Miller—The New York Times

Treasury Releases Report Showing U.S. Childcare System Overburdens Families and Causes Shortages Due to Inadequate Supply—U.S. Department of the Treasury

Related Episodes

323: The Economy Is Not A Machine

331: Why Do We Work So Much?

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Should You Stop Investing in China? - Evergrande, VIEs and other Chinese Risks Sep 15, 2021

Show notes

A regulatory crackdown and ideological campaign by the Chinese government has upended the Chinese stock market, which comprises close to 40% of emerging market indices. We evaluate what is going on and what investors should do.

Topics covered include:

How has the Chinese stock market performed in 2021
Why has Cathie Wood and Ark Invest dramatically cut their Chinese stock exposure
What are examples of regulatory changes in China
Why the stocks of Chinese online tutoring companies that trade on the New York Stock Exchange fell 90% this year
What are variable interest entities (VIEs) and why they are a risky corporate structure for Chinese companies
How a high private sector debt burden could lead to a banking crisis or contagion in China
What are ways investors can invest in emerging markets while having a smaller allocation to China

Thanks to LinkedIn and Simplify ETFs for sponsoring the episode.

For more information on this episode click here.

Show Notes

Cathie Wood’s Ark cuts China positions ‘dramatically’ by Leo Lewis and Thomas Hale—Financial Times

Beijing to break up Ant’s Alipay and force creation of separate loans app by Sun Yu and Ryan McMorrow—Financial Times

China’s dodgy-debt double act—The Economist

China’s bid to stabilise its property market is causing jitters—The Economist

Related Episodes

218: Is China or the U.S. More Vulnerable?

249: Should You Invest in India?

328: Are You Underweight Chinese Stocks? Pros and Cons of Investing in China

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Is a Housing Crash Coming? Sep 08, 2021

Show notes

What are the demand and supply drivers of home prices? What is the current status of those drivers and do they suggest a housing price crash is imminent, particularly given mortgage forbearance programs are ending?

Topics covered include:

How much have home prices appreciated in the past year compared to historical rates
What has driven the demand shock for housing
Why U.S. houses are so much more affordable compared to earlier periods
How big is the housing shortage in the U.S.
What could cause home prices to crash
How housing supply and demand drivers apply to local real estate markets
How to purchase a home in a hot housing market

Thanks to the Modern Finance podcast and Simplify ETFs for sponsoring the episode.

For more information on this episode click here.

Show Notes

In a forgotten town by the Salton Sea, newcomers build a bohemian dream Rory Carroll—The guardian

For One Weekend a Year, a Tiny Town on the Salton Sea Becomes a Mecca for Artists and Partiers by April Wong—Los Angeles Magazine

Electric vehicles need batteries. Those need lithium. That’s where the Salton Sea comes in. by Elliot Spagat—Chicago Sun-Times

A shock is headed for the housing market by Lance Lambert—Fortune

Housing Supply: A Growing Deficit—Freddie Mac

Related Episodes

235: What If Home Prices Always Declined

258: How Financialization Pushes Up Home Prices

317: How To Buy In A Hot Housing Market

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