Millions of fintech app users have lost access to their cash. In this episode, we explain why this happened and show you how to protect yourself when placing cash with traditional banks, neobanks, and fintech platforms. Topics covered include: Show Notes CHAPTER 11 TRUSTEE’S INITIAL STATUS REPORT BY UNITED STATES BANKRUPTCY COURT CENTRAL DISTRICT OF CALIFORNIA SAN FERNANDO VALLEY DIVISION—CourtListener Fintech platform Synapse raises $33M to build ‘the AWS of banking’ by … [Read more...]
474 Plus: Who Really Owns Our Stock Shares, a New Private Tech Company CEF, and a Canadian Cash Equivalent
In Plus episode 474, we review what it means that investors who purchase stock through a brokerage firm don't really own the stock but are only entitled to the dividends. We explore a new closed-end fund, DXYZ, that invests in private technology companies like SpaceX. Finally, we review a Canadian cash equivalent ETF, HSAV, that allows investors to avoid paying income tax. Become a Member If you would like to listen to this episode of Money For the Rest of Us Plus, you can do so by … [Read more...]
463: How to Lock in Higher Yields in Case Interest Rates Fall
With cash yields expected to fall, here's how you can keep your portfolio income elevated by purchasing longer-term individual bonds and bullet ETFs Topics covered include: Show Notes Term Premium on a 10 Year Zero Coupon Bond—FRED Economic Data Episode Sponsors Sponsors Betterment - the automated investing and savings app Money for the Rest of Us listener survey Related Episodes 455: Easier Investing, Richer Life: TIPS Ladders to Annuities 453: The Price … [Read more...]
450: How Higher Interest Rates Alter Our Financial Blueprint
We explore six impacts of higher interest rates on housing, capital projects, stock buybacks, excess returns for stocks, bonds, and other asset classes, and individual opportunity costs. Topics covered include: Show Notes Summary of Economic Projections—The Federal Reserve The Apartment Market Is Hitting a Construction Lull by Will Parker—The Wall Street Journal 30-Year Fixed Rate Mortgage Average in the United States—FRED Economic Data Americans Are Still Spending Like … [Read more...]
449 Plus: Retaining an Investment Advisor, Money Market Funds, Repos, and a QT Update
In Plus episode 449, we answer a member's question about retaining an investment advisor. We compare bank-offered money market accounts and money market mutual funds. We review what repurchase agreements are and discuss at what point the Federal Reserve will need to stop allowing its bond holdings to mature as part of quantitative easing. Become a Member If you would like to listen to this episode of Money For the Rest of Us Plus, you can do so by becoming a Money For the Rest of Us … [Read more...]
447 Plus: The Tax Impact of Active Stock Funds, Municipal Bonds, and Balancing Cash and Longer-term Bonds
In Plus episode 447, we discuss how to calculate the performance impact of capital gains tax distributions for an active stock mutual fund. We answer a member's question on what to do with a portfolio of individual municipal bonds selected by their previous investment advisor. Finally, we explore the decision between holding high-yielding cash or locking in higher coupon rates on longer-term bonds. Become a Member If you would like to listen to this episode of Money For the Rest of … [Read more...]
412: Where to Invest Your Cash Savings for Higher Yields
What are the best options for safely investing cash. Topics covered include: Show Notes a16z-backed Tellus wants to offer consumers a much better savings rate. Here’s how. by Mary Ann Azevedo—TechCrunch Factors Affecting Reserve Balances—U.S. Federal Reserve Liabilities and Capital: Liabilities: Earnings Remittances Due to the U.S. Treasury: Wednesday Level—FRED What if the Federal Reserve books losses because of its quantitative easing? by William B. English and Donald … [Read more...]
284 Plus: Mid Month Update, Mega Cap Stocks, and Investing Annuity Targeted Assets
In Plus episode 284 for the week of January 25, 2020, we review the latest economic releases to see if they show improvement. We review the massive inflow into bond funds as U.S. investors appear to be rebalancing their portfolios after a strong year for stocks. We consider the increasing concentration in the top 10 global stocks including Apple and Microsoft and how to mitigate that. Finally, we explore how a member should invest the funds that will be used to buy an immediate annuity in … [Read more...]
277 Plus: Investing Cash, Closed-end Funds, Volatility Risk Premium and Rights Offerings
In Plus episode 277 for the week of November 16, 2019 we look at different cash investing options. We review how to evaluate closed-end funds with a focus on recent closed-end funds David has invested in, including one that harvests the volatility risk premium. Finally, we look at how rights offerings work. … [Read more...]
260: July Mid Month Update, Asset Allocation Example, Evaluating Municipal Bonds and How To Buy Gold and Cryptocurrencies
In Plus episode 260 for the week of July 19, 2019, we look at stock and bond market performance month-to-date as well as recent economic releases. Using a member as an example, we walk through the tools on Money For the Rest of Us Plus for deciding on a new asset allocation target. We evaluate a Vanguard municipal bond fund and compare it to the overall bond market. Finally, we discuss how to buy and store gold and cryptocurrencies. … [Read more...]
