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October 10, 2018 in Dimensional, Evidence-Based Investing, Investing
Are you speed-dating or in an ideal marriage with your investment portfolio? As Dimensional Fund Advisors’ Quarterly Market Review reveals on its summary page, investors have much to appreciate this quarter, with positive returns from U.S. and international developed stocks. Still, “appreciation” is relative; there’s always some asset class outperforming its counterparts – and some underperforming. So, let’s address a question I’ve been hearing: “My globally diversified portfolio has been underperforming the...

October 3, 2018 in Investing, Young Adult Series
Generation Fret  1. Psychic Trauma (The Reformed Broker, 9/10/2018) “
our experience during formative years in the market can have a tendency to shape our attitudes, biases and prejudices forever. If your first ten years investing in the stock market ran from 2000 to 2009, then you watched two 50% crashes for the S&P 500, a lost decade in which the index gained 0% while the cost of living rose, a government bailout of...

September 25, 2018 in Dimensional, Investing, Mindful living
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
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
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
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
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
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
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
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...