371 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

    • Business
    • 4.5 • 1.2K 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

    Should You Invest in a Bitcoin ETF?

    Should You Invest in a Bitcoin ETF?

    Why the new U.S.-based Bitcoin ETFs are a bad idea and will underperform Bitcoin.

    Topics covered include:What fund and ETF options are available for investing in BitcoinWhy the U.S. has only authorized Bitcoin ETFs that invest in Bitcoin futures even though there are closed-end funds that hold Bitcoin directlyWhat is there a regulatory battle surrounding cryptocurrencies?How closed-end funds differ from ETFsHow Bitcoin futures workWhy Bitcoin ETFs that invest in Bitcoin futures will lag the performance of owning Bitcoin directlyWhy investors should avoid the new U.S. Bitcoin ETFs


    Thanks to Policygenius and Justworks for sponsoring the episode.

    For more information on this episode click here.

    Show Notes

    SEC Set to Allow Bitcoin Futures ETFs as Deadline Looms by Katherine Greifeld, Vildana Hajric, and Benjamin Bain—Bloomberg

    U.S. SEC Chair Gensler calls on Congress to help rein in crypto 'Wild West' Katanga Johnson—Reuters

    Bitcoin Strategy ETF—ProShares

    Purpose Bitcoin ETF—Purpose Investments

    Grayscale® Bitcoin Trust

    Osprey Bitcoin Trust

    Jacobi receives approval for "world’s first tier one" bitcoin ETF—Funds Europe

    Remarks Before the Aspen Security Forum by Chair Gary Gensler—U.S. Securities and Exchange Commission

    Coinbase abandons lending product after SEC pushback by Hannah Murphy and Stefania Palma—Financial Times

    Coinbase calls for creation of dedicated crypto regulator by Hannah Murphy and Stefania Palma—Financial Times

    First bitcoin futures ETF to make its debut Tuesday on the NYSE, ProShares says by Tanaya Macheel—CNBC

    Rustication by Dennis J. Pogue—Mount Vernon Ladies' Association

    Is Thomas Jefferson’s Monticello Constructed of Rammed Earth?—Earth Architecture

    What is Roll Yield and How It Impacts Bitcoin, Commodity, and VIX ETF Returns—Money For the Rest of Us




    Related Episodes

    355: Which Money Is Crazier: The U.S. Dollar or Bitcoin?

    319: Here Come Central Bank Digital Currencies

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    • 27 min
    Are Timeshares a Scam? How to Buy and Sell a Timeshare Vacation Rental

    Are Timeshares a Scam? How to Buy and Sell a Timeshare Vacation Rental

    How the economics of timeshare vacation rentals work, and why they can be a great fit for some individuals.

    Topics covered include:When were the first timeshares introducedWhat are the different timeshare ownership modelsWhy timeshares don't appreciate but fall in price after purchaseWhat are maintenance fees and why do they keep increasingWho is the target market for timeshares and how do timeshare companies market to themHow timeshare companies make moneyHow to sell your existing timeshareHow to buy a new timeshareThanks to Quartr and LinkedIn for sponsoring the episode.

    For more information on this episode click here.

    Show Notes

    The ABC’s of PUD’s (Part II): The Basics of Timesharing—American Bar Association

    Second Quarter 2021 Earnings Conference Call July 29, 2021—Marriott Vacations Worldwide

    Investor Presentation July 2021—Marriott Vacations Worldwide

    SellMyTimeshareNow, LLC

    Firm to Pay $2.6M, Stop Making False Timeshare Claims—Claims Journal

    Related Episodes

    24: Timeshares, Preppers and Permanent Portfolios

    57: Live Like A Local When Traveling

    See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

    • 27 min
    Will the U.S. Default? Debt Ceilings, Government Shutdowns, and the National Debt

    Will the U.S. Default? Debt Ceilings, Government Shutdowns, and the National Debt

    Why the U.S. is closing in on both a debt default and a government shutdown. 

    Topics covered include:How a government shutdown differs from a debt ceiling crisisWhy hasn't Congress passed legislation to fund the government and raise the debt limitHow refusing to increase the debt ceiling could impact Social SecurityHow big is the national debt and who owns itWhy we never know how much federal debt is too much: Japan vs the U.S.How federal debt is used and how it has led to financial innovationWhy countries default on their debtWhat are some of the challenges with central banks pegging interest rates and monetizing the debtWhat could cause the U.S. dollar to crash and inflation to soarThanks to Alto CryptoIRA and LinkedIn for sponsoring the episode.

    For more information on this episode click here.

    Show Notes

    America’s debt ceiling is a disaster, though fiscal rules can help—The Economist

    Treasury Bulletin, September 2021—Bureau of the Fiscal Service

    Major Foreign Holding of Treasury Securities—Department of the Treasury/Federal Reserve Board

    Fed official warns of ‘extreme’ market reaction unless debt ceiling raised by Lauren Fedor, Colby Smith and James Politi - The Financial Times

    Republicans Are Playing a Dangerous Game With Debt by Michael R. Strain—The New York Times

    Explainer: What happens when the U.S. federal government shuts down? by Jason Lange—Reuters

    Janet Yellen Says Treasury Could Exhaust Cash Reserves by Oct. 18 if Debt Limit Isn’t Raised by Nick Timiraos and Kate Davidson—The Wall Street Journal

    Janet Yellen: Congress, Raise the Debt Limit by Janet Yellen—The Wall Street Journal

    Devin Carroll on YouTube

    In Defense of Public Debt by Barry Eichengreen, Asmaa El-Ganainy, Rui Esteves, and Kris James Mitchener

    Different Types of Central Bank Insolvency and the Central Role of Seignorage by R. Reis

    How do central banks control inflation? A guide for the perplexed by Laura Castillo-Martinez and Ricardo Reis—London School of Economics and Political Science

    Can the Central Bank Alleviate Fiscal Burdens? by Ricardo Reis—London School of Economics and Political Science

    Related Episodes

    295: Federal Reserve Insolvency and Monetizing the National Debt

    338: The National Debt, Inflation, and the U.S. Dollar—What Could Go Wrong?

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    • 25 min
    Why Are There So Many Shortages?

    Why Are There So Many Shortages?

    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 treesHow a massive increase in demand has crippled the global supply, leading to an eight-fold increase in shipping costsWhy there are so many job openings and people quitting their jobsWhy the free market doesn't work as well for child daycareHow stimulus payments during the pandemic reduced poverty ratesWhat is the lying flat movementHow everything is in place for an extended period of high inflation even though the bond market still anticipates inflation will be transitoryWhy we should own real things and plan more downtime


    Thanks to Policygenius and Masterworks for sponsoring the episode.

    For more information on this episode click here.




    Show Notes

    The Demise and Potential Revival of the American Chestnut by Kate Morgan—Sierra Club

    U.S. Imports to Increase by 20% by End of 2021—Material Handling & Logistics

    The largest port in the US hit a new ship-backlog record every day last week, as 65 massive container boats float off the California coast by Grace Kay—Business Insider

    The World Is Still Short of Everything. Get Used to It. by Peter S. Goodman and Keith Bradsher—The New York Times

    ‘Just Get Me a Box’: Inside the Brutal Realities of Supply Chain Hell by Brendan Murray—Bloomberg Businessweek

    Rising Shipping Costs Are Companies’ Latest Inflation Riddle by Thomas Gryta—The Wall Street Journal

    Income, Poverty and Health Insurance Coverage in the United States: 2020—United States Census Bureau

    Employers Are Baffled as U.S. Benefits End and Jobs Go Begging by Katia Dmitrieva and Olivia Rockeman—Bloomberg

    Job Openings and Labor Turnover - July 2021—U.S. Bureau of Labor Statistics

    ‘Lie Flat’ If You Want, But Be Ready to Pay the Price by Allison Schrager—Bloomberg

    ‘Can’t Compete’: Why Hiring for Child Care Is a Huge Struggle by Claire Cain Miller—The New York Times

    Treasury Releases Report Showing U.S. Childcare System Overburdens Families and Causes Shortages Due to Inadequate Supply—U.S. Department of the Treasury

    Related Episodes

    323: The Economy Is Not A Machine

    331: Why Do We Work So Much?




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    • 21 min
    Should You Stop Investing in China? - Evergrande, VIEs and other Chinese Risks

    Should You Stop Investing in China? - Evergrande, VIEs and other Chinese Risks

    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 2021Why has Cathie Wood and Ark Invest dramatically cut their Chinese stock exposureWhat are examples of regulatory changes in ChinaWhy the stocks of Chinese online tutoring companies that trade on the New York Stock Exchange fell 90% this yearWhat are variable interest entities (VIEs) and why they are a risky corporate structure for Chinese companiesHow a high private sector debt burden could lead to a banking crisis or contagion in ChinaWhat are ways investors can invest in emerging markets while having a smaller allocation to China


    Thanks to LinkedIn and Simplify ETFs for sponsoring the episode.

    For more information on this episode click here.

    Show Notes

    Cathie Wood’s Ark cuts China positions ‘dramatically’ by Leo Lewis and Thomas Hale—Financial Times

    Beijing to break up Ant’s Alipay and force creation of separate loans app by Sun Yu and Ryan McMorrow—Financial Times

    China’s dodgy-debt double act—The Economist

    China’s bid to stabilise its property market is causing jitters—The Economist

    Related Episodes

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

    249: Should You Invest in India?

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




    See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

    • 22 min
    Is a Housing Crash Coming?

    Is a Housing Crash Coming?

    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 ratesWhat has driven the demand shock for housingWhy U.S. houses are so much more affordable compared to earlier periodsHow big is the housing shortage in the U.S.What could cause home prices to crashHow housing supply and demand drivers apply to local real estate marketsHow to purchase a home in a hot housing market


    Thanks to the Modern Finance podcast and Simplify ETFs for sponsoring the episode.

    For more information on this episode click here.

    Show Notes

    In a forgotten town by the Salton Sea, newcomers build a bohemian dream Rory Carroll—The guardian

    For One Weekend a Year, a Tiny Town on the Salton Sea Becomes a Mecca for Artists and Partiers by April Wong—Los Angeles Magazine

    Electric vehicles need batteries. Those need lithium. That’s where the Salton Sea comes in. by Elliot Spagat—Chicago Sun-Times

    A shock is headed for the housing market by Lance Lambert—Fortune

    Housing Supply: A Growing Deficit—Freddie Mac

    Related Episodes

    235: What If Home Prices Always Declined

    258: How Financialization Pushes Up Home Prices

    317: How To Buy In A Hot Housing Market




    See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

    • 21 min

Customer Reviews

4.5 out of 5
1.2K Ratings

1.2K Ratings

King Malcolm X ,

So far it’s taught me a lot

So far I’ve learned much from every episode after 5 years in I heard his content falls back but what’s to be expected after 5 years there’s probably not much else to teach you I’ll continue to listen until I think I’m comfortable enough to go about it on my own

LuckJp ,

Great Investing Pod

Great podcast especially if your trying to go from inexperienced investor to intermediate or advanced breaks down complex concepts and makes them simple

Otherlleft ,

Ahn-treh-preh-nor

That's how we pronounce "entrepreneur" in English. I had to replay an episode multiple times just to figure out what word the host was trying to use.

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