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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:

The U.S Is More Socialist Than Denmark with Home Mortgages Jan 30, 2019

Show notes

#238 How the U.S. mortgage market differs from the Danish mortgage market. Danish mortgage rates and defaults are lower than the U.S.. and unlike the U.S., the Danish government is not involved in protecting investors against mortgage defaults. This episode also explores how the mortgage broker industry has evolved since the housing crash. Thanks to ShipStation and The Great Courses Plus for sponsoring the episode.

For show notes and more information on this episode click here.

[0:23] The socialist catastrophe of Venezuela
[1:42] Who is the most socialist in housing finance? Denmark or the US?
[2:50] Meet Fannie Mae, Ginnie Mae, and Freddie Mac.
[11:26] Danish mortgage securitization.
[15:42] Why Danish borrowers actually pay less.
[19:32] Who’s liable for the loan and why it makes all the difference.
[22:09] Why do mortgage brokers exist, and should you use one?

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Brexit Is A Mess—Lessons Learned Jan 23, 2019

Show notes

#237 What can we learn from the difficulties the UK is having in negotiating an exit from the European Union. What happens next? Why there is always a conflict between globalization and national sovereignty. Thanks to LinkedIn, Blinkist and The Great Courses Plus for sponsoring the episode.

For show notes and more information on this episode click here.

[0:32] Update on Brexit since the British Parliament Vote.
[1:20] Basic Principles of Brexit.
[3:58] The problem of the Irish border.
[10:35] Debate over the withdrawal agreement leads to the current refusal of the deal.
[12:49] Brexit Lesson One: long-held agreements are hard to break.
[15:08] Brexit Lesson Two: choosing government sovereignty or globalization
[22:08] Economic Unions will always be fraught with conflict.

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How Investors Cope With Radical Uncertainty Jan 16, 2019

Show notes

#236 How heuristics, filters and reasonable stories help us cope with radical uncertainty and make investment decisions. Thanks to Netsuite and The Great Courses Plus for sponsoring the episode.

For show notes and more information on this episode click here.

[0:17] Investing is a world of radical uncertainty.
[1:57] Risk vs. uncertainty.
[6:01] Coping through the use of narrative.
[10:39] Using filters to keep ourselves from being overwhelmed.
[12:48] Staying shy of the consensus and “phantastic” objects.
[16:04] Learning to tell ourselves reasonable stories.
[17:01] Re-defining what makes a great decision.
[20:52] Each individual’s decisions influence the future economy.
[23:42] Investors aren’t alone: banks need coping mechanisms too.

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What If Home Prices Always Fell Jan 09, 2019

Show notes

#235 How to evaluate the purchase of a depreciating asset, such as buying a house in Japan where prices have declined 23 out of the past 29 years. Thanks to The Great Courses Plus, LinkedIn and Sleep Number for sponsoring the episode.

For show notes and more information on this episode click here.

[0:20] Unfortunately, there isn’t a magic formula for dealing with a housing bubble.
[2:33] Making the decision to purchase a second home.
[5:31] Japan’s declining housing market.
[13:10] Another quirk of the Japanese house: it’s freezing.
[20:28] Should we imitate the Japanese when making decisions regarding the housing market?
[24:19] Keeping priorities straight: making a purchasing decision based upon what matters.

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Index But Don't Herd Dec 19, 2018

Show notes

#234 How and when to use passive indexing strategies without following the crowd. Thanks to Masterworks and Sleep Number for sponsoring the episode.

For show notes and more information on this episode click here.

[2:25] Do all index investment followers herd?
[4:13] Why it has taken so long for indexing to become established.
[11:05] Comparing the statistic of active management to passive management.
[16:14] Keeping your portfolio diverse while indexing.
[19:54] Example of a return driver outside of indexing.
[24:54] Steps to take to keep from following the herd.

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Is An Emerging Markets Crisis Imminent? Dec 12, 2018

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#233 What is the cause of the economic crisis in Argentina and how likely is it that other developing nations will experience a similar financing crisis. Thanks to Policy Genius for sponsoring the episode.

For show notes and more information on this episode click here.

[0:20] Why the Argentine peso has decreased 47% in value.
[3:41] 3 Reasons why Argentina is unique and has suffered such sharp economic decline.
[10:23] What we can learn from Argentina’s funding crisis.
[13:51] How to tell when the market is losing confidence.
[19:43] Why are some emerging market economies thriving?
[22:20] Emerging market economies are not destined to fail.
[27:04] What Argentina can do to pull itself out of the crisis.
[27:48] Why the US isn’t in the same fix as Argentina.

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Is It Time To Invest In Commodities? Dec 05, 2018

Show notes

#232 Why investing in commodities such as oil and gold is challenging. What you need to know before you invest. Thanks to New Retirement Planner for sponsoring the episode.

For show notes and more information on this episode click here.

[0:18] Where do commodities help us in the economic cycle?
[2:00] How to interpret the apparent statistical decline in commodities.
[5:40] Are master limited partnerships (MLPs) helpful to your portfolio?
[8:19] How the energy transition will affect the future of commodity investment.
[11:43] Contango and how it affects the performance of your futures contract.
[16:20] Looking back at the history of commodities may help in determining their future.
[24:29] The benefits of investing in gold as a commodity.
[28:11] Traders and psychology are really what determine commodity prices.
[30:08] Cash flow should still be the foundation of your portfolio.

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What Determines How Much You Make Nov 28, 2018

Show notes

#231 Why different occupations pay differently or even the same occupation in different countries. Why the same occupation can pay differently for different companies that reside in the same city.

For show notes and more information on this episode click here.

[0:12] A bit of background on today’s question for Money For the Rest of Us
[2:28] Why do certain occupations pay more than others?
[11:36] Wages vary from county to country - here’s why
[20:09] Even jobs in the same city pay different wages, and there’s a good reason behind it
[25:52] You can do a few things to protect your own employability with respectable wages

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Use Caution With Real Estate Crowdfunding Nov 14, 2018

Show notes

#230 With RealtyShares and other crowdfunding platforms shutting down, should you invest on these platforms and if so how do you go about evaluating the investment opportunities. Thanks to Policy Genius for sponsoring the episode.

For show notes and more information on this episode click here.

[0:30] Check out this episode for David’s experience with real estate crowdfunding investments
[2:35] Real estate crowdfunding platforms are comprised of this type of structure
[6:57] You want to understand these considerations before making an investment
[12:40] Issues began to crop up with David’s investment – learn from his story
[18:41] David’s experience with these platforms have not led to a lot of transparency
[25:07] There’s not a specific way to determine which real estate crowdfunding platforms are going to survive
[30:08] Public and private REITs are another great investment option to consider

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Stop Maximizing Your Returns Using Modern Portfolio Theory Nov 07, 2018

Show notes

#229 Why modern portfolio theory is a defective way to build out an investment portfolio. This episode explains a better approach to asset allocation.

For show notes and more information on this episode click here.

[0:11] What is modern portfolio theory?
[4:29] There are many downfalls to relying on this theory while investing
[7:05] We should prepare for the worst possible outcome when investing, not the average positive outcome
[14:08] The true goal of investing should be about “minimizing your maximum regret in the meta-game”
[18:34] There isn’t the best “right answer” with your portfolio
[25:15] Maximization of anything doesn’t work in today’s environment

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