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A Complete Guide to Investing in TIPS and I Bonds Money

Details: Investors can purchase electronic bonds in any denomination amount above $25 in increments of one penny up to $10,000. Paper I bonds are available in $50, $100, $200, $500 and $1,000 denominations. Most investors will find it more convenient to purchase electronic bonds via Treasury Direct, but paper I bonds are handy for giving as gifts.

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Money For the Rest of Us

Details: The July 2021 Investment Conditions and Strategy Report is available here. New Online Retirement Calculators with Videos. Check out the new online. Retirement Planning Calculator and the Retirement Spending Calculator. Adaptive Model Portfolio Changes.

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How To Do Financial Planning Money For The Rest of Us

Details: This is a personal finance show on money, how it works, how to invest it, and how to live without worrying about it. I’m your host, David Stein. Today is episode 303. It’s titled, “How to Go About Financial Planning.”. I recently received an email from a new member of Money for the Rest of Us, Plus.

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Your Guide to Understanding and Protecting Against

Details: Inflation measures the rise in prices over time. The more the overall prices for food, housing, clothes, healthcare, and other goods and services increase, the greater the rate of inflation. This guide provides a detailed overview of what causes inflation, how it is calculated, and how central banks attempt to keep inflation low.

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A Beginner's Guide to Gold Investing Money For The Rest

Details: Annual storage fees at a depository are about 0.12% to 0.50% of the gold’s value on an annual basis. OneGold is an example of a custodian that will hold physical gold. It charges 0.12% per annum for gold storage. The difference between gold bars and gold coins is obviously their shape but also their weight.

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Optionality—When To Keep Your Options Open and When To

Details: 164: Optionality—When To Keep Your Options Open and When To Commit. How to use the asymmetric payoff of options, trial and error, and commitments to better yourself financially and in other areas of your life. In this episode you’ll learn: Why the asymmetry of options is their most valuable characteristic. Why option holders don’t care

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Money Is a Time Machine Money For The Rest of Us

Details: William Goetzmann in his book “Money Changes Everything: How Finance Made Civilization Possible,” reveals that time travel does indeed exist. He writes, “In essence, financial technology is a time machine we have built ourselves. It can’t move people through time, but it can move our money. As a result, it alters the economic position

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282: Is GDP the Best Measure of Happiness and Well-Being

Details: How to Calculate GDP. Gross domestic product (GDP) is the monetary value of a nation’s output. Output means the value of goods and services produced over a given period both in nominal terms, but also in real or inflation-adjusted terms.

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Convertible Bonds: Everything You Need to Know Money For

Details: Convertible bonds are debt securities issued by corporations that include an option for the holder to convert the bond into shares of the issuer’s common stock. Convertible bonds, also called convertible notes, were first issued in the 19th century in the U.S. to …

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Tail Events and Tail Risk Money For The Rest of Us

Details: A Recent Weather Tail Event. In San Antonio, Texas, the average high temperature varies between 64 degrees and 96 degrees Fahrenheit in a typical year. A plot of San Antonio’s daily high temperature would form a bell curve—what is known as a normal distribution. Most of the temperature observations cluster around the 70-degree mark.

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What Are SPACs and Should You Invest in Them

Details: David Stein is the founder of Money For the Rest of Us. Since 2014, he has produced and hosted the Money For the Rest of Us investing podcast.The podcast reaches tens of thousands of listeners per episode and has been nominated for six Plutus Awards.David also leads Money for the Rest of Us Plus, a premium investment education platform that provides professional-grade portfolio tools …

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Use Caution with Alternative Investments Money For The

Details: Welcome to Money for the Rest of Us. This is a personal finance show on money, how it works, how to invest it, and how to live without worrying about it. I’m your host, David Stein. Today is episode 301. It’s titled, “Use Caution with Alternative Investments.”.

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Investments to Fight Financial Repression Money For The

Details: Welcome to Money for the Rest of Us. This is a personal finance show on money, how it works, how to invest it, and how to live without worrying about it. I’m your host, David Stein. Today is episode 309. It’s titled, “Investments to Fight Financial Repression.”.

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Investing Rule One: Avoid Ruin Money For The Rest of Us

Details: Episode Summary. David takes listeners back to the root of his investment strategy with one simple investment rule in this exciting 250th episode of Money For the Rest Of Us! What truly matters when considering how to diversify your portfolio and save for retirement is avoiding what will ruin you.

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Why Do We Work So Much

Details: What’s interesting—for the past year, much of the working world is following a similar work-at-home experiment. Prior to the pandemic, about 5% of U.S. workers worked from home. Now it’s estimated to be about 50%. The average commute time in the U.S. prior to the pandemic was about 54 minutes, which means these workers have an increase in

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Will Infinite Money Save the Economy

Details: What central banks such as the Federal Reserve and federal governments are doing to counteract the negative impact of the pandemic related economic shutdown. What are the risks of this massive monetary and fiscal stimulus and how to mitigate those risks.. Topics covered include: How central banks have the capacity to create an infinite amount of money.

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Is Value Investing Dead

Details: Episode Summary. Value investing is the concept that buying stocks at a price lower than their intrinsic value will provide a good return—based upon the future value of that stock’s cash flow. Historically, value investing has proven to outperform growth investing—buying stocks with …

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Should You Invest In StartUps on Crowdfunding Platforms

Details: Related Episodes. 253: Are IPOs the New Ponzi Scheme? 321: How to Analyze Complex Investments. Transcript. Welcome to Money For the Rest of Us. This is a personal finance show on money, how it works, how to invest it, and how to live without worrying about it.

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Is Another Great Inflation Coming

Details: Now, as a review, inflation measures the rise in prices over time. The more the overall prices of food, housing, clothes, healthcare and other goods and services increase, the greater the rate of inflation. Government’s statistical agencies such as the U.S. Bureau of Labor Statistics in the U.S. measure inflation by calculating how the prices

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279: Why All Retirees Should Consider an Income Annuity

Details: Sequence of Return Risk and Longevity Risk. The problem with trying to cover most retirement expenses from savings is the retiree has to plan for extreme outcomes.These extremes include below-average market returns, particularly in the early years of retirement.

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Invest Like A Tesla Money For The Rest of Us

Details: While algorithms can certainly help, even a Tesla isn’t completely driven by its own system. The driver has control over how much control the vehicle has. The same concept applies to investing. Recently, the yield curve in the U.S. went negative. Many were frightened by the event, saying a recession is on its way.

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The Stock Market Is Not the Economy Money For The Rest of Us

Details: The market is not the economy. The top 5 companies in the S&P 500 Index, this is a measure of U.S. large-company stocks, are Microsoft, Apple, Amazon, Facebook, and Alphabet, which is the parent company to Google. Those 5 stocks comprise 20.4% …

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How Financialization Pushes Up Home Prices Money For The

Details: Single-family home prices, however, continue to rise due to financialization. This is caused by the cap rate on homes, which continues to drop as investors want to purchase more and more housing to either flip or rent. While rental prices have gone up 2.5% on average for the past seven years, home prices have soared.

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19: Live Like You’re Already Retired Money For The Rest

Details: In the U.S., the traditional retirement age is 65, and the average retirement length is twenty years based on life expectancy. Of course, that is just the average. One-fourth of 65 year-olds can expect to live past age 90 and ten percent past age 95, according to the Social Security Administration. That means traditional retirement could last

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Income Share Agreements

Details: Over 5 years ago in episode 45 of Money for the Rest of Us, I introduced income share agreements as a way to partially fund college. An income share agreement is a contract where individuals agree to pay a certain percentage of their income for a set period of time in exchange for an upfront payment that is usually used to pay for education costs.

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Is Inflation A Good Thing

Details: As inflation increases, the purchasing power of the dollar or other currency is reduced. A dollar buys less today than it did 50 years ago. A dollar worth of goods or services in 1967 would cost $7.33 today. Or put another way, a dollar today in terms of …

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Why in the World Would You Own Bonds

Details: 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 interest rates from Capital Economics, Ray Dalio, and

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Are You A Stock Or A Bond

Details: Our total wealth includes both financial and human capital, which is the value of our future employment earnings. How to consider both in your asset allocation.

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Why You Should Care About Carry Money For The Rest of Us

Details: A fluctuating level of liquidity is another characteristic of carry trades. During a carry boom when asset prices are rising it is easy to borrow money and establish a carry trade. During a carry crash when asset prices are falling and lenders are less willing to lend, liquidity evaporates and prices tumble.

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Here Comes Central Bank Digital Currencies Money For The

Details: The transfer could have been sent and received instantaneously. The transaction would have been verified and added to the central bank’s ledger of transactions in the central bank’s digital currency (CBDC). Unlike a wire transfer, which can cost up to $25, the transaction would have cost little, if …

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Climate Change, ESG, and What Should Investors Do

Details: Welcome to Money For the Rest of Us. This is a personal finance show on money, how it works, how to invest it, and how to live without worrying about it. I’m your host, David Stein. Today is episode 340. It’s titled “ESG, climate change, and what should we do as investors.”.

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326: The New Math of Retirement Spending and Investing

Details: Today’s episode, 326. It’s titled, “The new math of retirement spending and investing.”. A new member of Money For the Rest of Us Plus recently posted on the forums about monthly income plans, managed payout funds, income replacement funds, …

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Meme Stocks, GameStop, Short Squeezes, and Bubbles Money

Details: 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 hedge funds are losing big against individual investors on the wallstreetbets subreddit.

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A 15% Guaranteed Return

Details: Topics covered include. DriverLoan Investor Club that promises a 15% guaranteed return. U-haul Investors Club and other asset-based lending options. BlockFi—cryptocurrency lending with yields over 8%. LendingClub and why returns are only 4% to 5%. The economics of cash advance and payday loan lending businesses.

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How To Survive the Coronavirus (COVID-19) Shutdown Money

Details: How to avoid ruin and help others avoid ruin as the economy shuts down to slow the spread of the coronavirus.. Topics covered include: What is the precautionary principle and how can it help us make important decisions with regards to the coronavirus pandemic.; How many people could be infected with COVID-19 in the next 30 to 60 days at the current daily growth rate.

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Mastering the Market Cycle

Details: Episode Summary. Learning how to read the market cycle is a mix of art and science that’s impossible to perfect. However, on this episode of Money For the Rest of Us, David shares his key insights from Howard Marks’ new book, “Mastering the Market Cycle,” and outlines key strategies to keep in mind when investing.

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Ray Dalio and the Changing World Order Money For The

Details: Ray Dalio founded the hedge fund Bridgewater Associates in 1975. He is the author of the best-selling book Principles. He’s a billionaire and an extremely successful investor. He has been writing a new book and sharing it online. He has shared 3 chapters and it’s about the changing world order. Billy, a listener to the show, a member of

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Federal Reserve Insolvency and Monetizing the National

Details: Today is episode 295. It’s titled, “Federal Reserve Insolvency and Monetizing the National Debt.”. We’ve had a lot of discussions on the Money for the Us Plus forums recently regarding actions the Federal Reserve is taking and the federal government. Most of which are necessary in order to combat the economic shutdown related to the

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2: What Causes Inflation and Deflation

Details: 2: What Causes Inflation and Deflation? Inflation is caused when there is too much money flowing through the economy relative to the amount of goods and services being produced, leading to a jump in prices. Inflation is similar to how athletes experience unpleasant side effects when they run faster than their aerobic capacity. When too much

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What Investment Rate of Return Can You Expect

Details: Last week, we learned the best estimate of the long-term return for your bond portfolio is what fixed income mutual funds and/or ETFs are yielding today. Most core bond funds yield between 2% and 4% today so that would be a good proxy for what those funds will return over the next 7 to 10 years. Essentially, about a 3% annualized return.

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Should You Buy an Electric Car or Truck

Details: And the most efficient was the Western U.S, with 17% coal and about 42% renewables. The difference for that electric truck in terms of BTU per mile in that Upper Midwest, where there’s a great deal more coal usage—it was 3,480 BTU per mile. In the Western US, the …

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Is Inflation Measured Wrong

Details: David explains that governments are concerned about measuring inflation for three reasons: People believe that inflation strongly affects their everyday lives. People dislike inflation and view it as a vehicle for greed—no matter how low it is. People tend to associate inflation with negative economic trends.

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Do Homeowner Tax Breaks Cause Homelessness

Details: Household income for the poorest 10% of households is 6% lower than it was in 2006. While household income has stagnated, the prices of houses and rents have increased, making it more difficult for lower income families to secure housing. The accepted standard for housing affordability is for households to pay no more than 30% of income toward

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Is the Economy Really Doing That Poorly

Details: Summary Article Is The Economy Doing That Poorly? The polling organization Gallup in their most recent weekly poll on how Americans feel about the economy indicated 26% of Americans say current economic conditions are “excellent” or “good” and 30% say they are “poor.”

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