Money For the Rest of Us ציבורי
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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
 
Actor/Filmmaker/Comedian Jake Lloyd Bacon knows nothing about economics. His best friend Brian is an entrepreneur and economics enthusiast who has set out to fill Jake's brain with as much of his economics knowledge as he can cram into it. In each edition of What The Heckonomics Brian dives into a different topic and the two discuss, in simple terms that Jake can understand, the ins, outs, and all arounds. A casual economics podcast for the lay man filled with facts, bad metaphors, and every ...
 
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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 W…
 
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…
 
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 …
 
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 t…
 
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 chang…
 
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 objecti…
 
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 wh…
 
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 fr…
 
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 emission…
 
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 consid…
 
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…
 
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…
 
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, econo…
 
What are the pros and cons of owning an electric vehicle (EV) compared with an internal combustion engine (ICE) vehicle. Are electric vehicles worth it? Topics covered include: What is the total energy consumption for EVs versus ICE vehicles including energy expended to produce the vehicles and energy used to produce the electricity and refine the …
 
What are ways to invest in water and is it an attractive investment? Topics covered include: How water rights work and how they have been overallocated in the Colorado River basin. Why agriculture uses the vast majority of water in the southwestern U.S. while contributing only a few percentage points to the region's gross domestic product. Why hedg…
 
Half of the global financial system is made up of shadow banks. You have probably already used one. What are shadow banks and what to be wary of when using them. Topics covered include: What are the roles of shadow banks What are examples of shadow banks How two shadow banks, Greensill Capital and Archegos Capital Management, contributed to billion…
 
Why productivity growth is key to creating wealth. Why U.S. productivity growth is slowing, and what we can do to increase business and personal productivity. Topics covered include: How productivity is measured and how it relates to GDP, inflation, and living standards How productivity growth has led to more food, better health, better housing, an…
 
How today's inflationary environment is similar and different from the great inflation of the 1970s. What are the best assets to protect your portfolio if the next great inflation is here. Topics covered include: How is inflation measured and why the pandemic made calculating inflation difficult What causes inflation Why is inflation increasing cur…
 
Seven ways to manage fear in order to improve your investing. How fear can be beneficial. Topics covered include: Why fear can be both helpful and harmful Why expected investment returns are lower from a year ago What are the drivers of asset class returns What is a bucket approach to investing and why it can be helpful What are ways to automate in…
 
How businesses, households, governments, asset managers, and investors interact in unpredictable ways to address the risks and opportunities related to climate change and other global trends. Why ESG investing goes beyond just buying an ESG fund or ETF. Topics covered include: What are incentives, constraints, opportunities, and risks faced by busi…
 
What is decentralized finance and how it is seeking to solve the shortcomings of centralized finance. How BlockFi and MakerDAO, early entrants in the DeFi space work. How to earn up to a 9% yield with cryptocurrency lending. Topics covered include: How centralized finance differs from decentralized finance (DeFi) What are the shortcomings of centra…
 
With a ballooning U.S. federal budget deficit, a growing national debt, and double digit increases in the money supply, is it time to bet against the dollar? Topics covered include: What is driving the double digit increases in U.S. home prices Why hasn't inflation spiked in line with rising home prices What is the velocity of money and why is it f…
 
With interest rates rising does it still make sense to own bonds? Yes. This episode explores the role of bonds including why they are more effective at hedging stock losses than protective put options. Topics covered include: David's business and investment philosophy How bond funds have performed in 2021 Three disparate views on the direction of i…
 
There has never been this much money in the world. Now is the time to own real property. Topics covered include: How to buy something with Bitcoin How cryptocurrencies are similar and different from fiat currencies What is legal tender Why there has never been this much money in the world Why central banks can control interest rates but not inflati…
 
How do non-fungible tokens work, what are the risks, and how do NFTs fit within the landscape of investments. Topics covered include: Investing in physical art versus cryptoart How NFTs work on the ethereum blockchain How Ethereum differs from Bitcoin What is the purpose of investing and are NFTs investments How much energy do cryptocurrencies and …
 
How much can you earn investing in farmland and what are the risks? What are the ways to invest in farmland? Topics covered include: What determines farmland investment returns How much has U.S. farmland appreciated historically How much income does farmland investing generate Why the amount of U.S. farmland is shrinking Has another commodity super…
 
Why the Federal Reserve had to step in again to sop runs on money market mutual funds and keep the financial system from imploding. Topics covered include: What are the differences between shocks and vulnerabilities What are the four main vulnerabilities the Federal Reserve monitors How deleveraging and demands for liquidity lead to market stresses…
 
When should you protect against rare, but extreme events? When should you self-insure? Under what circumstance should you sell tail risk protection to others? Topics covered include: How tail events differ from tail risk Why volatility is not the best measure of risk for individuals What does it cost to protect against large stock market losses Why…
 
How to structure employment so workers are more creative, productive, and happier. Topics include: What percentage of employees work at home due to the pandemic How many hours per week do men and women work in both paid employment and unpaid caregiving How workers have been allocating the time saved by not commuting Why the economy would still pros…
 
Why has silver jumped to its highest price in eight years. What you need to know to invest in silver. Topics covered include: What drove the huge spike in silver purchases How silver differs from meme stocks How hedge funds are positioned with regard to silver What are three ways to invest in silver What is the annual demand and supply for silver W…
 
How coordinated buying by retail investors has turned the table on Wall Street. Are there signs of a market bubble? Topic covered include: What are meme stocks Why GameStop's stock (GME) has soared to over $300 from $17 in less than a month What are short squeezes and gamma squeezes and how they can push up a stock price How short-sellers including…
 
Most global stock ETFs, funds and indices have only about 5% invested in China even though China has the second-largest economy in the world. What are the pros and cons of increasing your allocation to Chinese stocks. Topics covered include: Why has China's economy rebounded faster than other countries What are Chinese A-share stocks How large are …
 
Should the U.S. cancel $10,000 or more of student loan debt per borrower? What would be the economic and financial impact? Why the student loan system is broken and how to fix it. Topics covered include: How large and what is the growth rate of U.S. student loan balances What are the projections for student loan losses What are the pros and cons of…
 
How should individuals invest and spend in retirement with interest rates so low, stock valuations high, and inflation uncertain. Why retirement managed payout funds and income replacement funds failed. Topics covered include: How managed payout and income replacement funds compare to immediate annuities Why Vanguard and Fidelity changed the object…
 
How convertible bonds work, why they gained 50% in 2020 and outperformed stocks over the past five years. Why Vanguard shut down their convertible bond mutual funds. Topics discussed include: How big is the convertible bond market Why companies issue convertible bonds How convertible bonds work and how to analyze them Why convertible bonds have per…
 
A review of how the pandemic, financial markets, and government policy evolved in 2020 to make for an unforgettable year. Topics covered include: Why the Covid-19 pandemic ranks as the second worst in modern history What is the difference between risk and uncertainty and how our investing should be different when dealing with uncertainty What portf…
 
How the drive for efficiency leads to greater wealth concentration and threatens capitalism. What can be done about it. Topics covered include: Why income growth has slowed for the middle class Why the economy now follows a power-law distribution rather than a normal distribution, leading to skewed outcomes Why the economy is a complex adaptive sys…
 
How a nation's balance of payments impacts its currency exchange rate as evidenced by Turkey and other countries. Topics covered include: What is a nation's balance of payments, its current account, and its capital account How an individual's personal financial flows are similar to those of a country What is causing the currency crisis in Turkey an…
 
Holy Hell it's What the Heckonomics! This episode was recorded over TWO YEARS AGO! May 2018 to be exact and was lost, but was also found! So better late than never, right? Brian, the armchair economist, is learnin Jake all about Inflation and Deflation. Did you know not all inflation is a bad thing? Jake didn't. As usual the duo list off a litany o…
 
How to determine whether you should invest in a complex investment such as an actively managed ETF that uses option strategies. Topics covered include: A recent investment David made that he shouldn't have What is the volatility risk premium and how to invest in it Why there have been over 200 new ETFs and ETNs launched in the U.S. in 2020 Why some…
 
As we await the U.S. presidential election results, we review the results of the Trump Administration's economic policies to see if Americans are better off financially than they were four years ago. Topics covered include: Why pollsters and election models can be wrong Why the state of the economy often drives election outcomes What has been the e…
 
How central bank digital currencies would work, what is the motivation to create them and what are the risks. Topics covered include: What percentage of central banks are working on a digital currency and plan to issue one soon What are the two kinds of money that central banks currently issue and how would a central bank digital currency differ Ho…
 
How special purpose acquisition companies work, what their performance has been and what are the ways to invest. Topics covered include: How much money has been raised in SPAC initial public offerings and who are some of the better known sponsors What are the benefits of a SPAC acquisition compared to a traditional initial public offering How SPACs…
 
U.S. home prices are on fire and sales are skyrocketing. Here are 8 rules of thumb for buying a house in a hot housing market when there are multiple bidders over the asking price. Topics covered include: What are the latest metrics on U.S. home sales, prices, and valuations Why are homes sales increasing and prices soaring and how likely are they …
 
This episode is an interview that Fund Evaluation Group LLC held with David as part of their FEG Insight Bridge podcast series. Topics covered include: What David did and learned at FEG What goes into making the Money For the Rest of Us podcast Central banking and the Federal Reserve Investing in gold and cryptocurrencies Current investment conditi…
 
What are the elements of a successful monetary system. Topics covered include: The stone currency of Yap The fiat currency of ancient China Why money requires trust, accounting and tokens Why too much money can lead to inflation and too little to deflation Why the best money is useless other than as money Thanks to LinkedIn and Candid for sponsorin…
 
How ultra-low interest rates support higher stock market valuations but also make the investment environment more challenging. Is there a stock market bubble? Topics covered include: How expensive are stocks on an absolute basis and relative to bonds What are examples of individual investor enthusiasm for stocks Why stock valuations and prices incr…
 
What are four principles individuals can follow to achieve their financial and career goals this decade despite the rough start in 2020. Why we have to be willing to share our journey with others so that they are vested in our story Why it's important to focus on areas where we have momentum How to prudently use leverage in order to build an asset …
 
What are the numerous decisions individuals have to make in managing their investments portfolios. Topics covered include: Why individual investors in order to build and preserve wealth should invest like family offices and university endowments Why even buy and hold investors make portfolio changes What are examples of the numerous decisions indiv…
 
The Federal Reserve just updated its policy tools. What impact could that have on inflation, interest rates and your investments. Topics covered include: Why is the Federal Reserve more transparent in its communication than it used to be. What are the Federal Reserve's Congressionally mandated goals. What are four economic developments that has cau…
 
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