How can we apply the same emergency measures that Harvard and other universities are using to navigate a financial crisis? Also, how universities invest their endowments and what their performance has been. Topics covered include: What has led to the financial crisis at Harvard What actions has the university taken How do endowments invest and spend their funds How endowments maintain intergenerational equity How we can apply the principles universities use in our own … [Read more...]
402: Why Student Debt Is So High and Forgiving It Doesn’t Fix the Problem
What are the drivers that lead to higher student loan balances? Why a one-time student loan forgiveness program doesn't solve the problem of increasing student debt. What are some more viable longer-term solutions. Topics covered include: How big is the Biden Administration student debt forgiveness planHow big has the student debt burden grownWhy are borrowings for students increasingWhy Baby Boomers spent so much less on collegeHow are student loans accounted for by the U.S. federal … [Read more...]
365 Plus: Three Member Profiles – A Pension Decision, College Tuition Investment, and a Retirement Portfolio
This week on Plus Episode 365, we help a member decide whether to take a lump-sum pension distribution today, start drawing on the pension today or take a lump sum or draw on the pension in the future. We review investment options for a member who will be paying college tuition in the next two years. Finally, we review a retirement portfolio to see if it is invested too aggressively. … [Read more...]
327: Is Student Loan Forgiveness A Good Idea?
Should the U.S. cancel $10,000 or more of student loan debt per borrower? What would be the economic and financial impact? Why the student loan system is broken and how to fix it. Topics covered include: How large and what is the growth rate of U.S. student loan balancesWhat are the projections for student loan lossesWhat are the pros and cons of forgiving student loansWhat would be the impact on federal finances of canceling student loansWhy the U.S. government is already technically … [Read more...]
245: Is College Worth It?
With more and more college degrees being granted and higher student loan balances, when does it make sense to go to a highly selective college or to college at all? What can increase earnings more than just having a college degree. In this episode you’ll learn: Who benefits the most from attending a highly selective college.Why income disparities exist for college graduates from different family backgrounds.Why student loan balances are increasing and why student loan forgiveness … [Read more...]
45: Funding the Startup of You
With student loan default rates soaring, what are some education funding models besides debt. Plus is college even worth it? Photo by Maryland Gov Pics In this episode, you'll learn: How high are U.S. federal student loan default rates.Why education is an intangible asset.Why investing in one’s education is more akin to a venture capital investment in a start up company.Why bootstrapping your education can be a better funding model.What are income share agreements.What is the … [Read more...]
