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September 25, 2018 in Dimensional, Investing, Mindful living by
The Happiness Equation         As Brad Steiman of Dimensional fund Advisors writes in this article: Mo Gawdat, a serial entrepreneur and Chief Business Officer at Google X, tried to engineer a path to joy in his book, Solve for Happy, by expressing happiness as an equation. HAPPINESS ≄ Your Perception of the EVENTS of your life − Your EXPECTATIONS of how life should behave According to Gawdat’s model, if you perceive events as equal to...

September 18, 2018 in Dimensional, Evidence-Based Investing, Investing by
Do Mutual Funds Outperform Benchmarks? Dimensional's analysis of US-based mutual funds shows that only a small percentage of funds have outperformed industry benchmarks after costs—and among top-ranked funds based on past results, only a small percentage have repeated their success. Here's the short (2:36 minutes) video for your viewing pleasure. SAGE Serendipity: The New York Times has a great collection of 2-3 minute video's called SCIENCETAKE.  Presented by science writer James Gorman, these...

September 13, 2018 in News by
Benefits of a shorter workweek 1. Every Weekend Should Be a 3-Day Weekend (The Cut, 9/4/2015) “The bulk of the research in medicine, sleep, cognitive science, and organizational psychology overwhelmingly suggests that a shorter workweek should be the norm rather than the holiday-weekend exception.” Another benefit to drinking water all day 2.  Why Sitting at Your Computer All Day Can Wipe You Out (The Cut, 7/19/2017) Source: The Cut “’We’re animals that are designed to exercise physically as well as mentally,”...

September 11, 2018 in Mindful living by
Benefits of a shorter workweek 1. Every Weekend Should Be a 3-Day Weekend (The Cut, 9/4/2015) “The bulk of the research in medicine, sleep, cognitive science, and organizational psychology overwhelmingly suggests that a shorter workweek should be the norm rather than the holiday-weekend exception.” Another benefit to drinking water all day 2.  Why Sitting at Your Computer All Day Can Wipe You Out (The Cut, 7/19/2017) “’We’re animals that are designed to exercise physically as well as mentally,”...

September 4, 2018 in Insurance, Investing, Young Adult Series by
The financial crisis has shaken young people’s faith in capitalism A (financial) crisis of faith (John Paul Rollert, Chicago Booth Review, 8/10/2018) “A spring 2016 poll from Harvard University’s Institute of Politics finds that only 19 percent of Americans between the ages of 18 and 29 identified themselves as capitalists, and 51 percent of those surveyed said they did not support capitalism. Similarly, a YouGov poll commissioned late last fall finds...

August 28, 2018 in Family Money, Real Estate, SAGE Reads by
First-time home buyers having a rough go of it 1.Starter-Home Affordability Hits a Decade Low (Prashant Gopal, Bloomberg, 8/27/2018) “Starter homes are now more costly to purchase than at any time since 2008, when the last boom came to a crashing halt. In the second quarter, first-time buyers needed almost 23 percent of their income to afford a typical entry-level home, up from 21 percent a year earlier, according to an analysis...

August 21, 2018 in Real Estate, SAGE Reads by
Bob Lefsetz thinks the STEM era is over
 1.  And now it is about “Soft Knowledge.” Article first shared by Barry Ritholtz. “For twenty years we’ve experienced the denigration of the liberal arts. For twenty years we’ve been ruled by tech. For twenty years it’s been about entrepreneurship. Now it’s about thinking. About concepts. About ideas. Not changing the world with products, but analysis and influence”. What are you getting into if you invest...

August 15, 2018 in SAGE Reads by
Vacation Mode: The band is back together this week (all four of us are in the same house at the same time!) so I’m taking some vacation days. Here are some interesting, non-financial pieces to enjoy while I’m away. 1. People hearing sounds for the first time reminds us that science can be a wonder The beauty of science is profoundly real when you see the first expressions of people hearing sounds...

August 8, 2018 in Financial Life Planning, Investing by
Where are you on this scale? 1. In “The Three Levels of Wealth,” Ben Carlson tries to determine where most Americans might find themselves on Stewart Butterfield’s scale: Level 1. I’m not stressed out about debt: People who no longer have to worry about their credit card debt or student loans. Level 2. I don’t care what stuff costs in restaurants: How much you spend on a particular meal isn’t impacted by your finances. Level 3. I don’t care...

August 1, 2018 in Dimensional, Evidence-Based Investing, Investing by
      What’s That Stock Worth to You? They say your home is your castle, but that doesn’t mean you should have to pay lavish prices to live there – at least no more than the going rate for a similar estate. It’s the same for your investments. You expect to pay something for the holdings in your portfolio, but there’s no sense paying more than market rates. If you do, it counts directly against the...