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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:

How, When, and Why Should You Rebalance Your Investment Portfolio? Sep 01, 2021

Show notes

Why bother rebalancing your investment portfolio and what is the best method for doing so.

Topics covered include:

How a target asset allocation can get out of line if a portfolio is not rebalanced
What is positive skewness and why it matters to portfolio investing
What is volatility drag and how it can lead to lower end of period wealth
What are the costs of rebalancing
Which rebalancing method if any has been the most effective

Thanks to Felix Gray glasses and Mint Mobile for sponsoring the episode.

For more information on this episode click here.

Show Notes

Long-Horizon Stock Returns Are Positively Skewed by Adam Farago and Erik Hjalmarsson

Positively Skewed Distribution—Corporate Finance Institute

Prospect Theory and Stock Market Anomalies by Nicholas Barberis, Lawrence J. Jin, and Baolian Wang

Strategic Rebalancing by Sandy Rattray, Nicolas Granger, Campbell R. Harvey, and Otto Van Hemert

Portfolio Rebalancing: Tradeoffs and Decisions by Xing Hong and Philipp Meyer-Brauns

Diversification Returns, Rebalancing Returns and Volatility Pumping by Keith Cuthbertson, Simon Hayley, Nick Motson, and Dirk Nitzsche

Getting back on track: A guide to smart rebalancing by Jenna L. McNamee, Thomas Paradise, and Maria A. Bruno—Vanguard

Safe Haven: Investing for Financial Storms by Mark Spitznagel

Related Episodes

313: No One Is Entirely a Buy and Hold Investor

341: How to Overcome Investing Fears

354: Now Is the Best Time Ever to Be an Individual Investor

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

Which Money Is Crazier: The U.S. Dollar or Bitcoin? Aug 25, 2021

Show notes

We compare the U.S. dollar with Bitcoin on their key attributes to determine which is better for transactions and preserving wealth, which is most absurd and which has serious flaws.

Topics covered include:

How are new U.S. Dollars and Bitcoin created
How much has the supply of each currency grown
How both the dollar and Bitcoin have had rule changes
Why Bitcoin transactions are faster than non-cash U.S. dollar transactions
Why both the dollar and Bitcoin require add-on layers to facilitate transactions
How tax treatment of a currency can encourage or discourage its use for payments
Why divisibility is a critical attribute of any currency
Why Bitcoin has been as volatile as the Russian ruble
Why Bitcoin is energy inefficient while having built-in incentives to use renewable energy
What will determine the long-term viability of Bitcoin and the U.S. dollar

For more information on this episode click here.

Sponsors

Masterworks - the premier platform for investing in blue chip art

Show Notes

Federal Reserve Statistical Release: H.4.1 Factors Affecting Reserve Balances of Depository Institutions and Condition Statement of Federal Reserve Banks, August 19, 2021

Check Processing—Federal Reserve Bank of New York

Gold Reserve Act of 1934—Federal Reserve History

Creation of the Bretton Woods System—Federal Reserve History

Financial Accounting Manual for Federal Reserve Banks, July 2021: Chapter 5. Federal Reserve Notes—Board of Governors of the Federal Reserve System

Financial Statements: Federal Reserve Bank of Kansas City; As of and for the Years Ended December 31, 2020 and 2019 and Independent Auditors’ Report

A Complete Guide to Understanding and Protecting Against Inflation—Money For the Rest of Us

Bitcoin: A Peer-to-Peer Electronic Cash System by Satoshi Nakamoto—Bitcoin

What is a fork?—Coinbase

Mapping the Major Bitcoin Forks by Ashley Viens—Visual Capitalist

Total Circulating Bitcoin Chart—Blockchain

There’s Enough Bitcoin For Everyone by Paul Opoku—Nasdaq

Lightning Network: Scalable, Instant Bitcoin/Blockchain Transactions

Crypto Crime Summarized: Scams and Darknet Markets Dominated 2020 by Revenue, But Ransomware Is the Bigger Story—Chainalysis

Americans' Spending on Illicit Drugs Nears $150 Billion Annually; Appears to Rival What Is Spent on Alcohol by Beau Kilmer—RAND Corporation

39% of PoW mining is powered by renewables – Cambridge University Cryptoasset study by Gareth Jenkinson—The Daily Chain

Bitcoin Energy Consumption Index—Digiconomist

The Bitcoin vs Visa Electricity Consumption Fallacy by Carlos Domingo—Hacker Noon

El Salvador Readies Bitcoin Rollout With 200 ATMs for Conversion by Michael D McDonald—Bloomberg

Related Episodes

316: Paper, Rocks, or Digits—What Makes the Best Money

335: Are Non-Fungible Tokens (NFTs) Good Investments?

339: How To Make Money with BlockFi, Dai and the Evolving DeFi Ecosystem

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Now Is the Best Time Ever to Be an Individual Investor Aug 18, 2021

Show notes

What are the advantages and disadvantages individual investors have relative to professional investors. How individual investors can capitalize on their advantages without being overwhelmed by too many choices.

Topics covered include:

How much have fees and commissions dropped for individual investors in the past two decades
How the overall objective of individual investors differs from professional investors
Why the smaller scale at which individual investors operate provides an advantage relative to professional investors
What are some advantages that professional investors have relative to individual investors
How having constraints and rules of thumb allow individual investors to generate better returns and be less overwhelmed
What are some examples of rules of thumb that collectively form an investment philosophy and process

Thanks to Streak CRM for sponsoring the episode.

For more information on this episode click here.

Show Notes

Trends in the Expenses and Fees of Funds, 2020—ICI Research Perspective March 2021 // VOL. 27, NO. 3

Morningstar's Annual Fund Fee Study Finds Investors Saved Nearly $6 Billion in Fund Fees in 2019—Morningstar

The Reel Deal: The Stacked Benefits of a Reel Mower by John K. Hix and Simone Bailey—Rochester Reginal Health

How to Invest in Closed-End Funds—Money For the Rest of Us

Portfolio Visualizer

The Beauty of Everyday Things by Soetsu Yanagi

Noise: A Flaw in Human Judgment by Daniel Kahneman, Olivier Sibony, and Cass R. Sunstein

Related Episodes

313: No One Is Entirely a Buy and Hold Investor

332: What Is Tail Risk and Are You Taking Too Much Of It?

341: How to Overcome Investing Fears

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The Pros and Cons of Infinite Banking and Whole Life Insurance Aug 11, 2021

Show notes

How permanent life insurance can be an effective tool for retirement planning.

Topics covered include:

What is the difference between term and whole life insurance
How many people let their life insurance policies lapse each year
What are strengths that insurance companies have that are beneficial to individual investors
What are the benefits of whole life insurance policies
How the infinite banking concept works and who should it be used
How asset allocation should differ when investors have a whole life insurance policy
What are concerns with whole life insurance
How an integrative approach of using whole life, immediate annuities, and investments can lead to higher retirement spending levels

Thanks to today's sponsors: Simplify ETFs and the all-new electric MINI Cooper SE

For more information on this episode click here.

Show Notes

Arthur L. Williams Jr.—Wikipedia, Aug 10, 2021

ACLI 2020 Life Insurers Fact Book—The American Council of Life Insurers

Pros And Cons Of Life Insurance For Children by Cameron Huddleston and Amy Danise—Forbes

The Four Approaches to Managing Retirement Income Risk by Wade D. Pfau

Safety-First Retirement Planning: An Integrated Approach for a Worry-Free Retirement (The Retirement Researcher Guide Series) by Wade D. Pfau

Integrating Whole Life Insurance into a Retirement Income Plan: Emphasis on Cash Value as a Volatility Buffer Asset by Wade D. Pfau and Michael Finke

Related Episodes

279: Why All Retirees Should Consider an Income Annuity

326: The New Math of Retirement Spending and Investing

349: Forward and Reverse Mortgages: When To Take Them Out and When to Pay Them Off

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Is This the Key to Wealth, Freedom and Happiness? Aug 04, 2021

Show notes

How owning fewer, more permanent things can lead to greater freedom and continued economic growth.

Topics covered include:

How a railroad company issued a bond that matured in 999 years
Why land and gold are the most permanent investments
What is the oldest currency in use
Why fiat and cryptocurrencies are potentially worthless
Why permanence is freedom and constantly craving more things limits freedom
Why do quality goods cost more
How the volume of trash generation and the number of storage units are increasing
Why reducing the number of things we own is so difficult and how to go about doing it
How the economy could change as people own things longer

Thanks to Felix Gray Glasses and LinkedIn for sponsoring the episode.

For more information on this episode click here.

Show Notes

Business & Finance: Freak Finance

Back to the future with long-term bonds by Franky Leeuwerck—Franky's Scripophily BlogSpot

ELMIRA AND WILLIAMSPORT RAIL ROAD COMPANY 500$ BOND, 1863—WorthPoint

The Power of Gold: The History of an Obsession by Peter L. Bernstein

How much gold has been found in the world?—USGS

The oldest living thing on Earth by Marnie Chesterton—BBC

What is the world's oldest currency?—CMC Markets

Bitcoin, Currencies, and Fragility by Nassim Nicholas Taleb

Small Is Beautiful: Economics as if People Mattered Bby E. F. Schumacher

Want to Make It Big in Fashion? Think Small, Like Evan Kinori by Guy Trebay—The New York Times

Artists of Theory: Evan Kinori Interview by Isaac McKay-Randozzi—Theories of Atlantis

National Overview: Facts and Figures on Materials, Wastes and Recycling—United States Environmental Protection Agency

Basic Information about Landfill Gas—United States Environmental Protection Agency

The Great Markdown Disaster w/ Evan Kinori—Corporate Lunch

Minimum by John Pawson

Evan Kinori, Clothing Designer by Sean Hotchkiss—Faculty Department

Storage Wars—Seeking Alpha

France Gave Teenagers $350 for Culture. They’re Buying Comic Books. by Aurelien Breeden—The New York Times

Related Episodes

278: You Have Permission to Spend

262: Better Not Bigger, Circular Not Linear – How the Global Economy Is Changing

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How to Profit From Carbon Investing While Combatting Climate Change Jul 28, 2021

Show notes

How the carbon emissions allowances and carbon offset markets are structured and how to invest in them.

Topics covered include:

How much greater are the levels of carbon dioxide in the atmosphere and how much have average temperatures increased
Why industries and companies are seeking to cut their greenhouse gas emissions
How cap and trade emissions trading systems work
What are the demand and supply dynamics of tradable emission allowances
What has been the performance of tradeable emission allowances
How ETFs invest in tradable emission allowances
How the voluntary carbon offset market is structured and what are the demand and supply dynamics
Why do companies make voluntary pledges to reduce their carbon footprints
What are the types of carbon offset projects
Why it is more difficult to invest in carbon offset markets and how that is changing

The Money For the Rest of Us podcast is ad-supported, but you can support the show and listen to episodes ad-free by becoming a subscriber. Learn about subscribing here.

Thanks to Policygenius and Mint Mobile for sponsoring the episode.

For more information on this episode click here.

Show Notes

Vital Signs: Carbon Dioxide—Nasa

Global Energy Perspective 2021—McKinsey & Company

Climate Change: Global Temperature by Rebecca Lindsey and LuAnn Dahlman—NOAA

2030 Climate Target Plan—European Commission

FAQs Carbon Markets & Indices—Intercontinental Exchange, Inc.

Carbon trading: the ‘one-way’ bet for hedge funds by David Sheppard—Financial Times

KRBN KraneShares Global Carbon ETF—Krane Shares

The Regional Greenhouse Gas Initiative, Inc.

Corporate Carbon Reduction Pledges: An Effective Tool to Mitigate Climate Change? by Stephen Comello, Julia Reichelstein, and Stefan Reichelstein

Carbon offset prices set to increase tenfold by 2030 by Michael Holder—GreenBiz

Carbon offsetting is essential to tackling climate change—The Economist

Cheap cheats—The Economist

Future Demand, Supply and Prices for Voluntary Carbon Credits – Keeping the Balance—Trove Research

Carbon offsets gird for lift-off as big money gets close to nature by Susanna Twidale and Shadia Nasralla—Reuters

CBL Global Emissions Offset Futures – Constract Specs—CME Group

CBL Nature-Based Global Emissions Offset (N-GEO) and CBL Global Emissions Offset (GEO) Futures ‒ Frequently Asked Questions—CME Group

CME Announces Global Emissions Offset Futures by Filipe Wallin Albuquerque—Nordic Sustainable Investment Platform

Related Episodes

251: Impact Investing and Intentionality

262: Better Not Bigger, Circular Not Linear – How the Global Economy Is Changing

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

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How to Invest in Startups on Equity Crowdfunding Platforms Jul 21, 2021

Show notes

The risks and opportunities of investing in startups on equity crowdfunding platforms.

Topics covered include:

Why do individual investors now have more access to startup investments
What has been the historical performance of venture capital funds
How most startups fail, leaving only a few startups to offset portfolio losses
What factors to consider when deciding on which startups to invest
Why do startups have so many different share classes
What platforms are available for individuals to invest in startups
Why indexing by investing in every credible startup deal can lead to better performance than hand-selecting a few startups

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Thanks to Streak and Masterworks for sponsoring the episode.

For more information on this episode click here.

Show Notes

Squaring Venture Capital Valuations with Reality by Will Gornall and Ilya A. Strebulaev

How Do Venture Capitalists Make Decisions? by Paul A. Gompers, Will Gornall, Steven N. Kaplan, and Ilya A. Strebulaev

What Are SPACs and Should You Invest in Them?—Money For the Rest of Us

First Quarter 2021 Private Capital Quarterly Review—Fund Evaluation Group

Fourth Quarter 2020 Private Capital Quarterly Review—Fund Evaluation Group

The Pervasive, Head-Scratching, Risk-Exploding Problem With Venture Capital by Kamal Hassan, Monisha Varadan, and Claudia Zeisberger

Venture Outcomes are Even More Skewed Than You Think by Seth Levine—VC Adventure

Venture Returns With Abe Othman of AngelList by Collin West—Kauffman Fellows

Related Episodes

253: Are IPOs the New Ponzi Scheme?

321: How to Analyze Complex Investments

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Forward and Reverse Mortgages: When To Take Them Out and When to Pay Them Off Jul 14, 2021

Show notes

How to decide when to take out a home mortgage and whether to pay it off early. How reverse mortgages can be a helpful retirement tool.

Topics covered include:

Why it is more difficult to get a mortgage today
How federal government mortgage guarantees lead to lower mortgage rates
How to analyze whether to pay off your mortgage early
The differences between personal risk, market risk, and aspirational risk
How reverse mortgages work and how they can be useful as a retirement income tool
What are the costs of reverse mortgages

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Thanks to IPVanish and Raycon for sponsoring the episode.

For more information on this episode click here.

Show Notes

Quarterly Report on Household Debt and Credit 2021 Q1—Federal Reserve Bank of New York

Selling Guide: Lender Letter LL-2021-03, Impact of COVID-19 on Originations (03/11/2021)—Fannie Mae0

Overreliance on Fannie and Freddie Violates Their Federal Charters by Norbert J. Michel, Ph.D.—The Heritage Foundation

Mortgage Debt and Asset Allocation, Video by Ben Felix

Plus Episode 329: Robinhood, Mortgages and ETF Transparency—Money For The Rest of Us

Beyond Markowitz: A Comprehensive Wealth Allocation Framework for Individual Investors by Ashvin B. Chhabra

How the HECM Program Works—U.S. Department of Housing and Urban Development

Incorporating Home Equity into a Retirement Income Strategy by Wade D. Pfau

Related Episodes

44: Should You Pay Off Your Mortgage?

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

317: How To Buy In A Hot Housing Market

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Listener Q&A: Individual stocks, housing bubble, crypto, retirement and more Jun 30, 2021

Show notes

We answer over a dozen questions from listeners on investing, housing, retirement, business, podcast production, and more.

Topics discussed include:

The Endowment Model
Teaching children about investing
4 influential investing books
The difference between being an entrepreneur and investing
The balance between too much and too little efficiency and productivity
What we learned about investing from the Covid crash
How asset allocation changes as one gets older
The state and future of cryptocurrency
Is now the time to buy individual stocks given high valuations for indices
Donor-advised funds
FDIC insurance
Money For the Rest of Us production time and expenses
Is it possible to have too much invested in one ETF
Is a house and investment and will there be a housing crash
How to worry less about money

Become a Subscriber and listen to the episode ad-free on Spotify or your preferred podcasting app. Only $4.99 per month plus tax. Subscribe here.

Thanks to Policygenius and Clear for sponsoring the episode. Use code David to get two months free with Clear.

For more information on this episode click here.

Related Episodes

211: How To Navigate A Housing Bubble

306: Three Approaches to Asset Allocation

317: How To Buy In A Hot Housing Market

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Should You Invest in Frontier Markets? Jun 23, 2021

Show notes

What are the risks and opportunities of investing in frontier equity markets?

Topics covered include:

What are the criteria used to determine whether a country's stock market is considered a frontier, emerging, or developed market
Why some countries aren't included in any MSCI stock index
How large are frontier markets in terms of population, economic output, and equity markets
How frontier market's favorable demographic profile make them attractive, but might not lead to higher investment returns
What are the risks of investing in frontier markets
How expensive or cheap are frontier markets
What have been frontier market's historical returns, volatility, and maximum drawdowns
What are ways to invest in frontier markets

Become a Subscriber and listen to the episode ad-free on Spotify or your preferred podcasting app. Only $4.99 per month plus tax. Subscribe here.

Thanks to Mint Mobile and LinkedIn for sponsoring the episode.

For more information on this episode click here.

Show Notes

MSCI Market Classification

MSCI 2020 Market Classification Review

Kuwait’s Move from Frontier to Emerging Market—MSCI

Frontier markets Longer Term Investments (LTI) by Corinne de Boursetty—UBS (PDF download)

Frontier Markets: A Comparative Analysis by Cliff Quisenberry—Investment & Wealth Institute

Urbanisation and Economic Growth: The Arguments and Evidence for Africa and Asia by Ivan Turok and Gordon McGranahan

Why globalists and frontier-market investors love Vietnam—The Economist

The Effects of Board Structure on Corporate Performance: Evidence from East African Frontier Markets by Yilmaz Guney, Ahmet Karpuz, and Gabriel Komba

Related Episodes

233: Is An Emerging Markets Crisis Imminent?

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

341: How to Overcome Investing Fears

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