350 episodes

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

Money For the Rest of Us J. David Stein

    • Investing
    • 4.7 • 3 Ratings

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

    Why in the World Do You Own Bonds?

    Why in the World Do You Own Bonds?

    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 philosophyHow bond funds have performed in 2021Three disparate views on the direction of interest rates from Capital Economics, Ray Dalio, and Hoisington Investment Management CompanyHow to invest in China bondsWhy owning bonds is cheaper and more effective at hedging stock market losses than put optionsHow covered call strategies workHow to decide on your allocation to bonds versus stocks


    Thanks to Mint Mobile for sponsoring the episode.

    For more information on this episode click here.

    Show Notes

    What I think, not what I thought – Jason Fried

    Why in the World Would You Own Bonds When… – Ray Dalio

    Explainer: Foreign access to China’s $16 trillion bond market – Reuters

    The True Cost of Hedging S&P Downside - Movement Capital

    Revisiting Covered Calls and Protective Puts: A Tale of Two Strategies – Bryan Foltice

    Pathetic Protection: The Elusive Benefits of Protective Puts – Roni Israelov

    Related Episodes

    302: Investing Is Not Knowing

    255: With Interest Rates Falling, Why Do You Own Bonds?

    225: How To Invest in Bonds

    • 23 min
    Own What Is Real

    Own What Is Real

    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 BitcoinHow cryptocurrencies are similar and different from fiat currenciesWhat is legal tenderWhy there has never been this much money in the worldWhy central banks can control interest rates but not inflationWhat real property should investors own


    Thanks to Truebill and Babbel for sponsoring the episode. Use code David for Babbel to get an additional three months free.

    For more information on this episode click here.

    Show Notes

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

    IRS Virtual Currency Guidance Announcement 2014-21—Internal Revenue Service

    Legal Tender Status—U.S. Department of the Treasury

    India to propose cryptocurrency ban, penalising miners, traders - source by Aftab Ahmed, Nupur Anand—Reuters

    Executive Order 6102—Requiring Gold Coin, Gold Bullion and Gold Certificates to Be Delivered to the Government by Franklin D. Roosevelt—The American Presidency Project

    Total Circulating Bitcoin—Blockchain Charts

    Federal Reserve statistical release: Factors Affecting Reserve Balances, March 18, 2021—United States Federal Reserve

    Money Stock Measures – H.6 Release, March 23, 2021—Board of Governors of the Federal Reserve System

    M2 Money Stock/Gross Domestic Product—Federal Reserve Bank of St. Louis

    Monthly Budget Review: Summary for Fiscal Year 2020—Congressional Budget Office

    A Fed With No Fear of Inflation Should Scare Investors by James Mackintosh—The Wall Street Journal

    Biden Administration Officials Put Together $3 Trillion Economic Plan by Ken Thomas and Andrew Duehren—The Wall Street Journal

    Turkey faces a currency crisis after Erdogan sacks his central banker—The Economist




    Related Episodes

    295: Federal Reserve Insolvency and Monetizing the National Debt

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

    322: Why Currency Exchange Rates Matter

    • 23 min

    Should You Invest in Farmland?

    Should You Invest in Farmland?

    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 returnsHow much has U.S. farmland appreciated historicallyHow much income does farmland investing generateWhy the amount of U.S. farmland is shrinkingHas another commodity supercycle startedWhy U.S. farmers are dependent on exportsWhat are farmland investing risksWhat farmland investment vehicles are availableHow to evaluate a farmland investment opportunity


    Thanks to LinkedIn and Policygenius for sponsoring the episode.

    For more information on this episode click here.

    Show Notes

    Farmland Values, Land Ownership, and Returns to Farmland, 2000-2016 by Christopher Burns, Nigel Key, Sarah Tulman, Allison Borchers, and Jeremy Weber—United States Department of Agriculture

    Land Values 2020 Summary—United States Department of Agriculture

    Farming and Farm Income—Economic Research Service United States Department of Agriculture

    Agricultural Markets and Prices: Towards 2025—Organisation for Economic Co-operation and Development

    U.S. Agricultural Trade at a Glance—Economic Research Service United States Department of Agriculture

    Why Invest In Farmland?—AcreTrader

    FarmTogether

    Farmland Index Posts First Negative Return in 19 Years by Mike Walsten—Pro Farmer

    NCREIF Farmland Property Index

    Lumber Prices Are Soaring. Why Are Tree Growers Miserable? by Ryan Dezember and Vipal Monga—The Wall Street Journal

    Pistachio industry looks to reposition product amid supply boom by John Cox—The Bakersfield California

    Related Episodes

    218: Is China or the U.S. More Vulnerable?

    232: Is It Time To Invest In Commodities?

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

    • 26 min
    How The Covid Shock Nearly Destroyed The Financial System

    How The Covid Shock Nearly Destroyed The Financial System

    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 vulnerabilitiesWhat are the four main vulnerabilities the Federal Reserve monitorsHow deleveraging and demands for liquidity lead to market stressesWhat are the types of money market funds and how were they impacted by the Covid 19 shockHow was Treasury bond trading impacted by the Covid shockWhy the Federal Reserve stepped in to stop the market contagion from spreadingWhat are the downsides to central bank interventionsWhat individual investors can do to protect against future shocks


    Thanks to Mint Mobile and Truebill for sponsoring the episode.

    For more information on this episode click here.




    Show Notes

    President’s Working Group on Financial Markets Releases Report on Money Market Funds—U.S. Department of the Treasury

    Report of the President’s Working Group on Financial Markets: Overview of Recent Events and Potential Reform Options for Money Market Funds, December 2020—U.S. Department of the Treasury

    U.S. Credit Markets Interconnectedness and the Effects of the COVID-19 Economic Shock by S.P. Kothari, Dalia Blass, Alan Cohen, Sumit Rajpal, and SEC Research Staff—U.S. Securities and Exchange Commission

    Financial Stability Report November 2020—Board of Governors of the Federal Reserve System

    How Vanguard Overhauled a Prime Money Fund by Bernice Napach—ThinkAdvisor

    Overnight Index Swap by James Chen—Investopedia

    Cash Viewpoint: What do Variable Rate Demand Notes do for Your Money Market Fund—Invesco

    Related Episodes

    270: Repo Rates Soared—Here’s Why It Matters

    291: How To Survive the Coronavirus (COVID-19) Shutdown

    305: Are Banks Safe?

    • 26 min

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