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  • When to Sell Equity or Borrow: A Guide for Homeowners, Students, and Artists

    When to Sell Equity or Borrow: A Guide for Homeowners, Students, and Artists
    2024/09/18

    How do home equity investments, income share agreements, and music royalties work, and how can you participate?

    Topics covered include:

    • How a home equity investment differs from a home mortgage
    • What is the cost of home equity investments
    • How funding education through income share agreements has changed
    • Why artists sell royalties to their work
    • How individuals can invest in music royalties


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    Show Notes

    Unlock Product Guide—Unlock

    Point and Atalaya Capital Management Close Oversubscribed $141 Million Home Equity Investment Rated Securitization—Global Newswire

    What Colleges Should Know About Income Share Agreements and Private Education Loan Requirements by Rich Williams—Homeroom

    CFPB settles claims against operator of training program arising out of income share agreements by John L. Culhane, Jr. & Thomas Burke—Consumer Finance Monitor

    Bond market: Bowie Bonds and the Evolution of the Bond Market—Faster Capital

    Related Episodes

    493: The Housing Affordability Crisis: What Caused It and How to Fix It

    349: Forward and Reverse Mortgages: When To Take Them Out and When to Pay Them Off

    307: Income Share Agreements—Good for Students or Investors?



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    24 分
  • The Housing Affordability Crisis: What Caused It and How to Fix It

    The Housing Affordability Crisis: What Caused It and How to Fix It
    2024/09/11
    What caused the 40% price increase in houses and rents, and what are governments doing to try to fix the problem.Topics covered include:Why 50% of the global population is frustrated with the lack of affordable housingHow the housing collapse as part of the Great Financial Crisis contributed to today's affordability crisisHow central bank QE programs have magnified the housing crisisHow restrictive zoning and short-term rentals contribute to the housing crisisWhat governments are doing to encourage more housing supplyWhat individuals can do until housing becomes more affordableSponsorsDelete Me – Use code David20 to get 20% offLinkedIn Jobs – Use this link to post your job for free on LinkedIn JobsInsiders Guide Email NewsletterGet our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletterOur Premium ProductsAsset CampMoney for the Rest of Us PlusShow NotesConcern over housing costs hits record high across rich nations by Valentina Romei and Sam Fleming—The Financial TimesHome Price to Median Household Income Ratio (US)—LongtermtrendsHome Ownership Affordability Monitor—Federal Reserve Bank of AtlantaAMERICA'S RENTAL HOUSING 2024—Joint Center for Housing Studies of Harvard UniversityAmerica retains “rent burdened” status—Moody'sU.S. 2024 and 2025 Mid-Year Outlook Report—AirDNAARIZONA’S NEW HOUSING LAWS EXPLAINED—Tempe YIMBYWhat Kalamazoo (Yes, Kalamazoo) Reveals About the Nation’s Housing Crisis by Conor Dougherty—The New York TimesHow Rent Controls Are Deepening the Dutch Housing Crisis by Cagan Koc and Sarah Jacob—BloombergRelated Episodes389: Is Airbnb Intensifying the Housing Crisis?357: Is a Housing Crash Coming?238: The U.S. Is More Socialist Than Denmark Regarding Home MortgagesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
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    24 分
  • The Power of Optionality: Small Bets, Big Payoffs

    The Power of Optionality: Small Bets, Big Payoffs
    2024/09/04

    In this episode, we explore the concept of optionality—how small, strategic decisions can lead to outsized rewards with limited downside risk. From ancient philosophy to modern financial strategies, discover how recognizing and seizing options can unlock opportunities in both life and investing.

    Topics covered include:

    • How call and put options work
    • The difference between American and European style options and why it matters
    • Why options are positively skewed
    • Examples of using optionality in business and life
    • Why it can be challenging to commit when an option is "in the money"


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    Show Notes

    Antifragile by Nassim Nicholas Taleb—Penguin Random House

    The Wisdom Of Finance: Discovering Humanity in the World of Risk and Return by Mihir Desai—Harper Academic

    Refuse to Choose!: Use All of Your Interests, Passions, and Hobbies to Create the Life and Career of Your Dreams—Penguin Random House

    An Economist Walks into a Brothel: And Other Unexpected Places to Understand Risk by Allison Schrager—Penguin Random House

    Related Episodes

    482: Unlocking the Power of Positive Skewness: Strategies for Investing, Business, and Creativity

    268: How To Better Manage Risk

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    23 分
  • The Five Layers of Investing - Which Layers Is Your Portfolio Allocated?

    The Five Layers of Investing - Which Layers Is Your Portfolio Allocated?
    2024/08/28

    In Episode 491, we explore the five layers of investing, including which assets fit into each layer, and give examples of advertisements targeting each layer.

    The five layers are:

    • 1. Short-term trading
    • 2. Longer-term speculations
    • 3. Individual securities
    • 4. Diversified portfolios focused on underlying drivers and factors
    • 5. Maximum diversification with few changes and just a few holdings


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    Show Notes

    Asset Camp

    The Role of Emotions in Financial Decisions by David Tuckett—ResearchGate

    Morningstar Active Passive Barometer

    Related Episodes

    486: How Retail Traders Lose Big While Enriching Wall Street

    431: The Long-term Bullish Case for Gold

    306: Three Approaches to Asset Allocation

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    31 分
  • Should You Invest in Private Equity?

    Should You Invest in Private Equity?
    2024/08/21

    How do buyouts, venture capital, and growth equity work? Has private equity outperformed the stock market, and can individual investors pursue these investment strategies?

    Topics covered include:

    • How are private equity funds structured, and what are the fees
    • How is private equity performance measured, and how has it performed
    • Why does private equity have such a large dispersion of returns compared to the public stock market
    • What is private equity dry powder, and why is there much of it
    • What are some ways individuals can invest in private equity and why should they use caution in doing so


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    Show Notes

    Understanding Private Fund Performance by Kaitlin Hendrix and Mamdouh Medhat—SSRN

    What Drives Private-Equity Performance Persistence? New Deal-Level Evidence by Axel Buchner and Susanne Espenlaub and Abdul Mohamed—SSRN

    Unlocking the Power of Relationships: Limited Partner Networks and Performance in Private Equity by José Carlos Franco de Abreu Neto and Saito Richard—SSRN

    Private equity dry powder growth accelerated in H1 2024 by Dylan Thomas and Annie Sabater—S&P Global

    Private Equity Gets Creative to Buy Time for More Gains. Clients Say Pay Me Now by Allison McNeely and Dawn Lim—Bloomberg

    Related Episodes

    458: Dissecting Stock Returns: Financial Engineering or Genuine Growth?

    440: Beware of Platform Risk

    350: How to Invest in Startups on Equity Crowdfunding Platforms?



    See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
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    28 分
  • Making Better Investment and Life Decisions - Episode 203 Remastered

    Making Better Investment and Life Decisions - Episode 203 Remastered
    2024/08/14

    This week, we release one of David's favorite episodes from six years ago, Episode 203: Is Investing More Like Poker or Chess.

    Topics covered include:

    • What is the difference between chess and poker.
    • Why we need to separate the decision process from the outcome.
    • How to improve the quality of our investment decisions.
    • What are are wu-wei and qi and what role do they play in better decision making.


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    Show Notes

    Thinking in Bets: Making Smarter Decisions When You Don’t Have All the Facts by Annie Duke

    Thinking Fast and Slow by Daniel Kahneman

    The Tao of Pooh by Benjamin Hoff

    Trying Not to Try: Ancient China, Modern Science, and the Power of Spontaneity by Edward Slingerland

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    24 分
  • Why the Market Has Sold Off and What Should You Do

    Why the Market Has Sold Off and What Should You Do
    2024/08/07
    In episode 489, we examine three factors that contributed to this week's big stock market declines, analyze whether a recession is imminent, and review David's recent portfolio changes.Topics covered include:The benefits of looking at market and economic trends monthlyHow bad was the recent U.S. employment report and what is the Sahm RuleWhat are leading economic indicators saying about recession riskWhy the Federal Reserve will be lowering its policy rate, leading to lower cash yieldsWhy the Japanese yen strengthened, leading to market turmoilWhy investors are rotating from large cap growth to small cap value stocksHow David locked in higher yieldsSponsorsNetSuiteMonarch Money – Get an extended 30-day free trialInsiders Guide Email NewsletterGet our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletterOur Premium ProductsAsset CampMoney for the Rest of Us PlusShow NotesTranscript of Chair Powell’s FOMC Press Conference July 31, 2024—The Federal ReserveGoolsbee Says Fed Won’t Overreact to One Month’s Data by Catarina Saraiva and Ananya Chag—BloombergCongressional Budget Office Updates Baseline: Deficit Spending is 27 Percent Higher Than Previously Estimated—U.S. House Budget CommitteeInvestments MentionedVanguard Growth ETF (VUG)Vanguard Small Cap Value (VBR)iShares International Developed Small Cap Value Factor ETF (ISVL)Invesco BulletShares 2031 Corporate Bond ETF (BSCV) iShares Large Cap Max Buffer ETF (MAXJ)BlackRock AAA CLO ETF (CLOA)Related Episodes485: Should You Invest in Defined Outcome (Buffer) ETFs?476: Is Small Cap Dead? Why You Shouldn’t Abandon Small Company Stocks472: Is the Economy as Bad as People Think?464: More Ways to Lock in Higher Yields in Case Interest Rates Fall463: How to Lock in Higher Yields in Case Interest Rates Fall423: A “Safe” 6% Yield: The Case for Investment Grade CLOs302: Investing is Not KnowingSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
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    28 分
  • Should You Invest in an Ethereum ETF?

    Should You Invest in an Ethereum ETF?
    2024/07/31
    What is the investment case for Ethereum, and what are the risks? A straightforward review of what ether and Ethereum are, how they work, and what it will take for the Ethereum blockchain to be successful.Topics covered include:Who launched Ethereum ETFs and what are the feesHow Ethereum differs from BitcoinExamples of applications built on the Ethereum blockchain including NFTs, stablecoins, DAOs, and tokenized real-world assetsHow Ethereum has evolved to lower fees, reduce supply, cut its energy use, and increase capacityWhat is Ethereum staking and how much can investors earn doing soWhat will cause ether to go up in priceSponsorsShopify NetSuiteOur Premium ProductsAsset CampMoney for the Rest of Us PlusShow NotesSpot Ethereum ETFs begin trading today: Here's what you need to know by Jason Shubnell—The BlockThe spot Ethereum ETFs' first week by the numbers by James Hunt—The BlockThe Idols NFT—theidols.ioRead Write Own by Chris Dixon—readwriteown.comEthereum is the Only Institution-Friendly Smart Contract Chain by Qiao Wang—MediumEthereumETH Staking—Coinbase5 Ways to Stake Your Crypto Assets—Staking RewardsEthereum's Dencun Upgrade: Unleashing Scalability and Efficiency—bitpaySolana vs. Ethereum: Which Is Better in 2024? —KuCoinRelated Episodes462: Now Should You Buy a Bitcoin ETF?373: Are Stablecoins Safe? Should You Own Them?368: How to Invest in Web3, DAOs, and the Metaverse339: How To Make Money with BlockFi, Dai, and the Evolving DeFi Ecosystem335: Are Non-Fungible Tokens (NFTs) Good Investments?See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
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    28 分