Money For the Rest of Us Money For the Rest of Us
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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
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How to Navigate the Crippling Home Insurance Crisis
Why are homeowners seeing home insurance premiums increases of up to 70%, as David has? What can you do if your insurer drops you, you get a huge premium increase, or you can no longer afford coverage?
Topics covered include:What are the primary drivers of home insurance price increasesWhy these increases don't show up in the U.S. consumer price indexHow the reinsurance market works and why reinsurers are passing on 50% premium increases to property and casualty insurers.What percentage of home insurers self-insureWhat else can homeowners do
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Show Notes
Home Insurance Is Clobbering Consumers. Yet It’s Barely Counted in Inflation. by Jeanna Smialek—The New York Times
NIPA Handbook: Concepts and Methods of the U.S. National Income and Product Accounts: Chapter 5: Personal Consumption Expenditures—Bureau of Economic Analysis
The crippling home insurance crisis hitting America by Rana Forhoohar—The Financial Times
The Hidden Driver of Soaring Home Insurance Costs by Jean Eaglesham—The Wall Street Journal
When Disaster Strikes: Preparing for Climate Change by Seán Nolan and Krishna Srinivasan—IMF Blog
Home insurance was once a ‘must.’ Now more homeowners are going without. by Patrick Cooley—The Washington Post
Homeowners Perception of Weather Risks 2023 Q2 Consumer Survey—Insurance Information Institute
Insurance Companies Feeling the Pressure in Iowa and the Midwest by Jerry Theodorou—Insurance Journal
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Beyond Faster (T+1) Trade Settlements: The Hidden Costs of Optimization
Why stock, ETF, and bond trades are optimized to settle in less than a day, allowing investors quicker access to their cash and securities. What are the benefits and costs of optimization in the relentless drive for cheaper, faster, and more profitable.Why countries are moving to T+1 settlement from T+2 for security tradesWhat will it take for securHow BlackRock and Franklin have launched Treasury funds that are tokenized and trade on the Etherium networkHow optimization works and what are the tradeoffsHow we can use satisficing and rules of thumb in order to cope with the complexity of the world
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Show Notes
About the ‘T+1’ Rule Making US Stocks Settle in a Day by Lydia Beyoud and Greg Ritchie—Bloomberg
SEC Chair Gensler Statement on Upcoming Implementation of T+1 Settlement Cycle—SEC
What faster trading cycles will mean for US markets by Jennifer Hughes and Harriet Clarfelt—The Financial Times
Speedier Wall Street Trades Are Putting Global Finance On Edge by Greg Ritchie—Bloomberg
BlackRock closes in on crown of world’s largest bitcoin fund by Will Schmitt and Brooke Masters—The Financial Times
Optimal Illusions: The False Promise of Optimization by Coco Krumme
Financial Statement Analysis with Large Language Models by Alex G. Kim, Maximilian Muhn, and Valeri V. Nikolaev—The University of Chicago
Related Episodes
457: AI’s Fork in the Road: Societal Bliss or Existential Threat
329: Meme Stocks, GameStop, Short Squeezes, and Bubbles
228: How Tokenization Will Radically Change Investing
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National Debt Masterclass Finale - What To Do
In part three of our national debt masterclass, we share a simple debt dynamics formula we can monitor to help guide our investment choices.
Topics covered include:How much has the national debt grown over the past fifties years, and what are the underlying driversHow the budget deficit, interest rates, and economic growth determine the level and growth in the national debtUnder what circumstances will the U.S. default on its debtHow should we invest to protect ourselves from the uncertainties of the national debt situation
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Show Notes
Jerome Powell: Full 2024 60 Minutes interview transcript—CBS News
Yellen says she disagrees with Moody's outlook on US debt by Ann Saphir and David Lawder—Reuters
IMF Steps Up Its Warning to US Over Spending and Ballooning Debt by Christopher Condon—Bloomberg
WHEN DOES FEDERAL DEBT REACH UNSUSTAINABLE LEVELS?—Penn Wharton
The Long-Term Budget Outlook: 2024 to 2054—Congressional Budget Office
PUBLIC DEBT AND LOW INTEREST RATES by Olivier J. Blanchard—NBER
Bond vigilantes snooze as Treasury market shrugs off vast US borrowing by Kate Duguid—The Financial Times
Term Premium on a 10 Year Zero Coupon Bond—FRED
Instantaneous Forward Term Premium 10 Years Hence—FRED
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National Debt Masterclass Part Two
In part two of this national debt series, we explore how households and businesses, including commercial banks, can choose not to participate in what some call a national debt ponzi scheme. We also look at how central banks and federal governments monetize the national debt using quantitative easing.
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Show Notes
Credit and Liquidity Programs and the Balance Sheet: Federal Reserve liabilities—Board of Governors of the Federal Reserve System
As of and for the Years Ended December 31, 2019 and 2018 and Independent Auditors’ Report—The United States Federal Reserve System
Different types of central bank insolvency and the central role of seignorage by Ricardo Reis
How do central banks control inflation? A guide for the perplexed by Laura Castillo-Martinez and Ricardo Reis
Can the Central Bank Alleviate Fiscal Burdens? by Ricardo Reis
Ricardo Reis Tweets on Monetizing the National Debt
M2—Federal Reserve Economic Data
Assets: Total Assets: Total Assets: Wednesday Level—Federal Reserve Economic Data
Assets: Securities Held Outright: U.S. Treasury Securities: All: Wednesday Level—Federal Reserve Economic Data
Americans Reported Strong Personal Finances Late Last Year, Fed Finds by David Harrison—The Wall Street Journal
A Complete Guide to Understanding and Protecting Against Inflation—Money For the Rest of Us
A Complete Guide to Investing in TIPS and I Bonds—Money For the Rest of Us
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National Debt Master Class Part One
In part one of this three part series, we consider why a country that issues debt in its own currency can't default unless it chooses to. We also explore how central banks can control interest rates on the national debt. We also consider whether it is possible for government borrowing to crowd out the private sector.
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Show Notes
Money In The Modern Economy: An Introduction – Bank of England – Q1 2014
Money Creation In The Modern Economy – Bank of England – Q1 2014
Congressional Budget Office 2017 Long-term Budget Outlook
Going for Broke: Deficits, Debt, and the Entitlement Crisis – Michael D. Tanner
Bernanke’s Paradox: Can He Reconcile His Position on the Federal Budget with His Recent Charge to Prevent Deflation? – Pavlina R. Tcherneva – Levy Institute (includes quotes referenced in episode by Ben Bernanke and Michael Woodford
New Framework for Strengthening Monetary Easing: “Quantitative and Qualitative Monetary Easing with Yield Curve Control” – Bank of Japan
Japan’s Debt Burden Is Quietly Falling the Most in the World – Bloomberg
The Bone Clocks – David Mitchell
Venezuela Is Starving – Juan Forero – Wall Street Journal
Curse or Blessing? How Institutions Determine Success in Resource-Rich Economies – Cato Institute
Forget Taxes, Warren Buffett Says. The Real Problem Is Health Care. – New York Times
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Is Small Cap Dead? Why You Shouldn't Abandon Small Cap Stocks
Why global small-cap stocks have underperformed large-cap stocks and will the trend continue? The investment case for allocating to global small caps.
Topics covered include:How have small caps performed relative to large caps over the past two decadesWhat factors contributed to the underperformanceHow quality is an important factor to consider when investing in small capsWhat are the earnings prospects for small-cap stocksWhy small-cap stocks could deliver double-digit returns over the next decade
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Show Notes
US small-caps suffer worst run against larger stocks in over 20 years by George Steer—The Financial Times
Small stocks, big problems by Robin Wigglesworth—The Financial Times
The Death of Small Cap Equities? by Chris Satterthwaite—Verdad
The Quality of New Entrants by Chris Satterthwaite—Verdad
Related Episodes
466: Does Dividend Investing Still Work?
370: Should You Invest in Small-Cap and Mid-Cap Stocks?
253: Are IPOs the New Ponzi Scheme?
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