Money For the Rest of Us

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How Tokenization Will Radically Change Investing Oct 31, 2018

Show notes

#228 How distributed ledger technology and tokenized assets will increase liquidity, transparency and fractionalization, allowing investors to purchase very small, liquid positions in real estate, private companies, art and other assets. Thanks to LinkedIn for sponsoring the episode.

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

[0:12] Stocks ownership used to be tied to paper certificates, but there’s a problem with electronic records as well
[10:00] Proxy voting in trading can lead to complicated issues that are almost impossible to solve with certainty
[17:40] Tokenization could be a solution to today’s convoluted trading system
[22:38] A new type of distributed ledger would allow for asset-backed tokens
[27:03] There are some challenges to tokenization that need to be addressed

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How To Teach Children About Money Oct 24, 2018

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#227 Here are four most important things to teach children about money and why showing is better than telling when it comes to kids and money. Thanks to CNote for sponsoring this episode.

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

[2:58] Here’s how you can start teaching children about money
[5:30] #1 - The right attitude about money comes with a balance of respect, understanding, and trust
[8:40] #2 - Healthy relationships with money come with accountability and choice
[11:38] #3 - Money is tied to work
[20:25] #4 - Avoid the wrong kinds of debt
[22:51] #5 - Teaching kids about money is often about “just in time” learning

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How To Spot Asset Bubbles and What To Do About Them (The Case of Cannabis) Oct 17, 2018

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#226 What are the characteristics of an asset bubble and how to invest when one exists. Are cannabis stocks in a bubble? Thanks to Blinkist and Policy Genius for sponsoring this episode.

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

[0:10] Is the cannabis industry in an asset bubble right now?
[4:41] Public conversation is often a sign of an asset bubble
[8:19] Hopeful assumptions are often what drive an asset bubble environment
[13:24] Tesla can be considered an example of a micro-bubble
[21:57] You can handle an asset bubble in a variety of ways

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How To Invest In Bonds and Other Fixed Income Securities Oct 10, 2018

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#225 How to evaluate interest rate risk, credit risk and other factors when investing in bonds. Thanks to Sleep Number for sponsoring the episode.

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

[0:11] Predicting interest rates can be tough - here are some things to consider
[4:28] What determines the rate of return if you invest in bonds or fixed income securities?
[7:00] Bond prices fluctuate as interest rates change
[15:30] Data on default rates for bonds and other investment strategies
[19:40] Consider this before deciding whether or not to hold bonds
[23:13] Passive vs active investment strategies in bonds and other fixed-income securities
[25:35] Why would you own a long duration bond?
[34:19] There isn’t a single right answer when it comes to bonds and fixed income securities

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Mastering the Market Cycle—New Book by Howard Marks Oct 03, 2018

Show notes

#224 How to position your investment portfolio based on market cycles. Investing principles from Howard Marks' new book Mastering the Market Cycle. Thanks to CNote and LinkedIn and for sponsoring today's episode.

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

[0:11] Howard Marks’ new book is the inspiration for this episode of Money For the Rest of Us
[7:13] The first tool in learning how to invest during a market cycle
[11:49] The second tool in learning how to invest during a market cycle
[18:00] Successful investing involves a mix of skill and luck
[25:30] There’s no way of knowing where the bottom of a market may be
[26:30] We are not in a period of extreme risk or opportunity in today’s US economy

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How To Invest When You Have Little Money Sep 26, 2018

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#223 How commission free ETFs, mobile apps and zero fee index funds make it easier to invest if you have little money. What are some examples of commission fee ETFs and funds for Vanguard, Fidelity, Robinhood and TD Ameritrade. Thanks to Blinkist for sponsoring this episode.

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

Episode Chronology

[0:14] Here’s how to invest when you have little money
[4:26] How do brokerage firms make money if they don’t charge commissions?
[11:37] What happens to investments if a brokerage firm goes bankrupt?</li>
[18:14] Thoughts on investing with a very simple portfolio
[27:35] A lack of money is no excuse to not invest

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Why We Overpay and How It Leads To Income Inequality Sep 19, 2018

Show notes

#222 How asymmetric information, price discrimination and the stories we tell ourselves contribute to artificial profits and income inequality. Thanks to CNote for sponsoring today's episode.

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

[0:20] Rents, overpayments, and income inequality are all side effects of market distortions
[8:55] Value-based pricing vs pricing based solely on cost
[17:13] Pricing is inextricably tied to the stories we tell about ourselves and to others
[22:30] Consumers need to consider these 4 things when evaluating the cost of goods and services

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Should You Prepare For The Next Financial Crisis? Sep 12, 2018

Show notes

#221 How the Great Financial Crisis changed how individuals and institutions invest, and why we shouldn't invest solely focused on the next crisis. Thanks to CNote for sponsoring today's episode.

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

[0:40] Overview of how the 2008 financial crisis continues to impact investing today
[6:48] Data on current investments and the stock market
[8:40] How you invest depends on your experience in the 2008 crisis
[11:41] Future investing is enveloped in big questions and unknown variables
[16:10] The great financial crisis impacted both individuals and institutions
[19:58] Should you invest in preparation mode for the next crisis?
[26:00] Invest smartly by separating speculations from investments
[28:40] Consider this when investing and thinking about the future of the market

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Where Should You Invest Your Cash Savings? Sep 05, 2018

Show notes

#220 How to evaluate cash savings options at banks, credit unions and brokerage firms. Why are yields on cash savings so much higher than a few years ago. How to tell if your bank or credit union is in experiencing financial difficulties. Thank you to Blinkist for sponsoring this week's episode.

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

[0:10] All about banks, credit unions, and the pros and cons of cash savings
[4:47] How can banks and credit unions become financially unstable?
[14:25] The Federal Reserve is setting a new short term interest rate target
[15:55] What tools does the Federal Reserve have to keep short-term interest rates in line with its target?
[19:20] There are other options for investing your cash savings
[25:49] Is it really worth pursuing multiple investing options for your cash savings?

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The Incredible Shrinking Stock Market Aug 29, 2018

Show notes

#219 How fewer publicly traded companies, less stock shares outstanding and more intangible assets have led to higher earnings growth for U.S. listed companies and ultimately stronger stock market performance. Thanks to Circle Invest for sponsoring today's episode.

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

[0:08] Observations on the current state of the US stock market
[4:01] What if there’s something going on within the US market that suggests continued outperformance is coming?
[7:23] Why the number of publicly listed companies, particularly small companies, is shrinking
[14:52] The impact of intangible assets within small companies
[18:21] Increased amounts of buybacks are leading to a shrinking stock market
[20:38] Multiple factors are contributing to higher shareholder profits, yet lower wages for employees
[26:05] What are the investment implications of low wages due to monsopony?

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