How to decide whether to rent a house or apartment or purchase a home or condo. What has been the financial return from owning a house? Topics covered include: How much have home prices increased in major cities since 1980 What drove the greater than 50% jump in home prices in some U.S. cities since 2020 Why there aren't more new starter homes What will it take for the housing shortage to abate so houses can be more affordable Why now could be a more advantageous time to … [Read more...]
238: The U.S. Is More Socialist Than Denmark Regarding Home Mortgages
How the U.S. mortgage market differs from the Danish mortgage market. Danish mortgage rates and defaults are lower than the U.S.. and unlike the U.S., the Danish government is not involved in protecting investors against mortgage defaults. This episode also explores how the mortgage broker industry has evolved since the housing crash. Photo by Nick Karvounis In this episode you’ll learn: How mortgages are securitized in the U.S. by government-sponsored enterprises and investors are … [Read more...]
211: How To Navigate A Housing Bubble
Why housing bubbles can last such a long time and what to do if you really need or want to buy a house in a frothy market. In this episode you’ll learn: How big is the housing bubble in Australia and Canada.Why home prices can’t disengage from economic gravity in terms of household income and rent.What drives housing price bubbles.How algorithms have changed stock investing and increased risks. Show Notes Episode 81: When Booms Turn To Bust Australia Residential Property … [Read more...]
202 Plus: Housing Crisis, Shorting Bubbles and Implementing Trades
This week April 28, 2018, we analyze what to do when housing is selling at record prices and there is little rental inventory. In short, when there is a housing crisis due to lack of supply and high demand from second home owners. We review some of the hurdles to shorting assets that are in a bubble. We also look at how at why I tend to implement portfolio changes all at once versus moving into positions over a period of weeks or months. … [Read more...]
197 Plus: 30 Year Returns, Mortgages and Beating the Lottery
This week March 24, 2018, we answer the questions should expected returns for stocks be higher if one has a time horizon of 30 years versus 10? We also answer a member's question on whether he should fund a higher down payment for his new house from his bond portfolio. Finally, we look at a couple that retired and earned millions by systematically playing and winning the lottery over a period of years. … [Read more...]
159 Plus: A Few Stocks Usually Drive Benchmark Returns
This week May 27, 2017 on Money For the Rest of Us Plus we profile a recent study by Ned Davis Research that shows in most years a handful of stocks contribute to more than 50% of returns for market capitalization indices such as the S&P 500 Index and the NASDAQ 100. We also discuss a member's asset allocation for an inherited investment account. Finally, we discuss whether buying a home is an investment. … [Read more...]
156: Your Job Or Half Your Business Could Be Gone Tomorrow
How to gain a personal competitive advantage in an evolving job and business environment. Photo by Daniel von Appen In this episode you’ll learn: How experts can become trusted authorities.What new graduates can do as they navigate their careers.How we can gain a personal competitive advantage in the market place. Show Notes National Association of Realtors Statistics Auto Dealers Decide Cars Are Taking Up Too Much Prime Space - Wall Street Journal The Thing … [Read more...]
136 Plus: Emerging Market Bonds, Private Equity, Home Purchases and Household Debt
This week December 10, 2016 on Money For the Rest of Us Plus we look at emerging market bond investing in the current environment, we analyze a low minimum private equity fund of fund, explore current household debt balance and delinquency trends and discuss whether to get a home mortgage when purchasing a first home. Audio duration: 26:45 … [Read more...]
130: Should You Buy A Vacation Home?
How changes in financial circumstances, property markets, zoning rules and personal taste can make owning an illiquid vacation property a risky proposition, but why we bought our dream place anyway (and then sold it). Photo by J.D. Stein In this episode you'll learn: What do consider when buying a vacation property. How owning a second home can be both an asset and liability. The importance of prototyping your life by having a bias to action. Show Notes Airbnb Sues … [Read more...]
