Top 10 Posts on NGPF Blog for 2017-18 School Year
By Tim Ranzetta
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Jul 05, 2018
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Current Events, Behavioral Finance, Index Funds, Cryptocurrencies, Investing, Budgeting
The NGPF Blog provides educators with two posts daily during the school year, including an engaging question of the day. Teachers rely on the daily Question of the Day as a great conversation starter and appreciate that it engages all students since it requires no prior knowledge. In addition, the blog provides a great way to note trends in personal finance, highlight high quality resources and share ideas from our teacher community. With the school year ended, we wanted to highlight the most...
NGPF Podcast: Tim Talks to JL Collins About Financial Independence and Investing
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Jun 29, 2018
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Podcasts, Index Funds, Investing, Budgeting, Behavioral Finance
It started out innocently enough...he wanted to write letters of financial advice to his daughter. J.L. Collins never imagined that his blog would become a favorite source for the financial independence movement. His knack for storytelling and simplifying complex topics has boosted his blog popularity to over two million pageviews per year and convinced him to write a book, The Simple Path to Wealth. Hear how this proponent of index investing (his Stock Series is a must read for those who...
NGPF Podcast: Tim Talks To Investing Legend Charley Ellis
Harvard Business School professor, founder of influential investment consultant Greenwich Associates, chair of Yale University investment committee (top performing endowment led by David Swenson), director at Vanguard Investments and one of the earliest proponents of index investing. Oh and he's written many best-selling books too. We obviously had a lot to talk about. Still working 70 hour work weeks at 80+, Charley generously shares what he's learned over his lifetime as an investor and...
NGPF Podcast: Tim Talks To 403(b)Wise Founders, Dan Otter and Scott Dauenhauer
Dan Otter, a teacher and Associate Dean, and Scott Dauenhauer, a fee-only financial planner, are both passionate about steering teachers in the right direction when it comes to retirement plans.Thank goodness their paths crossed earlier this century! Their advocacy work over the years (18+ and counting) has helped countless teachers make better decisions. They methodically highlight the flaws in many 403(b) plans and discuss reforms that could significantly increase this benefit to...
Digging Deeper: Two Cents Part II
By Beth Tallman
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May 14, 2018
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Video Resource, Stocks, Mutual Funds, Entrepreneurship, Budgeting, Index Funds, Career
Since posting the first Digging Deeper on the PBS Series, a few new videos have been released. That post seemed to be well received, so I thought I would review the new videos and post suggested questions and NGPF related links to save you a little time at the end of the school year!!! As I mentioned before, there is a place on the Facebook page for the Two Cents video series for you to give feedback to Julia and Philip if you have big questions that you would like for them to...
NGPF Podcast: Tim Talks to Investor, Author and Student of the Markets, Meb Faber
Meb Faber turned his hobby into a passion and co-founded Cambria Investment Management. Listening to Meb you hear the passion not only of an investor but also an entrepreneur who created a firm based on his investing philosophy. He studies the markets and creates portfolios based on opportunities that Mr. Market provides. He uses his writing of books and white papers as a discipline to force him to elucidate his evidence-based approach. And hey, he puts his money where his mouth...
Investing Panel with Bill Bernstein and Jonathan Clements at 2018 NGPF Summit (San Francisco)
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Apr 06, 2018
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Investing, Podcasts, Research, Behavioral Finance, Stocks, Index Funds
What follows is a summary of the Investing panel discussion held at the NGPF Summit in mid-March 2018 in San Francisco. The all-star panel included Bill Bernstein, financial theorist, neurologist, and financial adviser/author, and Jonathan Clements, WSJ columnist, author, educator and blogger at the HumbleDollar.com.
For those of you who use the Stock Market Game, you might want to rethink that. Neither panel had anything positive to say about it, but Bernstein explained why. ...
Elite 8 (Game 2): #3 Let's Make a Mutual Fund vs. #11 A Tale of Two Credit Scores
FINAL: Tale of Two Credit Scores Upsets Mutual Fund 115-74
UPDATE at 3pm PT: Tale of Two Credit Scores leads Mutual Fund 96-66
MAKE YOUR SELECTIONS FOR THIS GAME HERE
Game Report: Let's Make a Mutual Fund vs. A Tale of Two Credit Scores
Let's Make A Mutual Fund has all the elements to make it a championship contenda. It's fast-paced offense will get your students out of their seats learning about the Xs and Os of investing. We all know how important that is! While...
Digging Deeper: Saving and Investing – its Simple but not Easy
We all know we should save money, and we know that we should invest some of what we save, but that doesn’t mean everyone is disciplined enough to “pay themselves first” rather than waiting to see what’s left at the end of the month. Once we do invest, human nature and emotion often work against us in making good investment decisions. For example, if we have an investment that is doing well, our inclination is to stay in it, rather than (more rationally) to sell some...
What's New With Investing?
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Mar 08, 2018
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Investing, Current Events, Research, Stocks, Index Funds
What’s New With Investing
Investing, particularly explaining what is going on with complicated things like cryptocurrencies and the impacts of the renewed market volatility, rising interest rates and tax law changes, led me to include some resources to help us strengthen our knowledge before imparting this wisdom on our students. The “tutorial” type articles are marked with an asterisk: two from SeekingAlpha, one from Marketwatch and one from CNN.
Before we dig in, here...
Question of the Day: How much would a $100 investment in Warren Buffet's company in 1965 be worth in 2017?
By Tim Ranzetta
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Mar 04, 2018
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Investing, Question of the Day, Stocks, Index Funds, Behavioral Finance
Answer: Over $2.3 million!
Questions:
Do you think it is easy/difficult to hold on to investments like this over the long-term? Explain.
If you had the chance to meet Warren Buffett, what are two questions that you would ask him?
Investors spend a lot of time looking for the next Warren Buffett. Do you think that is time well spent? Explain.
Researchers often find that investors do vastly worse than if they had just made the simple choice to own an index fund (like the S&P 500). What...
Investors Take Note: What Can We Learn From Warren Buffett's Annual Letter to Shareholders?
By Tim Ranzetta
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Mar 04, 2018
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Investing, Research, Current Events, Article, Behavioral Finance, Index Funds
The Oracle of Omaha is out again with Berkshire Hathaway's (his holding company) Annual Letter to Shareholders. It has become a must read for all investors as it is full of that common sense wisdom that Warren has become known for. I have purposely not read any of the commentary in hopes of completing the task with a fresh set of eyes. Here's some of the key investment insights from these 16 pages:
Why acquisitions (when one company buys another) often don't work out as planned and...
What I'm Reading This Weekend (2/3-2/4)
Enjoying the spring weather here in the Bay Area and looking forward to another set of great curated reads from Beth! Enjoy the Super Bowl.
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For Kids
If you can get hold of last Sunday’s NYTimes (1/28/18 print version), there is an entire section for kids, including a piece by our friend, Ron Lieber, answering the question “Why won’t my parents tell me how much money they make?”
Big Headlines
Healthcare delivery and cost seems to be an intractable...
What I'm Reading This Weekend (1/27-1/28)
By Beth Tallman
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Jan 26, 2018
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Current Events, Purchase Decisions, Generosity, Behavioral Finance, Investing, Article, Index Funds, Research
Thanks to Beth for curating another great set of articles to make us smarter about personal finance. Enjoy!
Personal Finance/Financial Capability
NYT Your Money Advisor Anna Carrns filed this report summarizing the 2017 Financial Report Card from John Pelletier at Champlain College’s Center for Financial Literacy. Are you from one of the five states that received an A: Alabama, Missouri, Tennessee, Utah and Virginia? It was reassuring to see that NextGen Personal Finance was...
Question of the Day: What percent of finance professors invest in index funds instead of trying to "beat the market?"
Answer: 67%
Questions:
Why do you think most finance professors, who likely know more about investing than the general public, invest this way?
Do you think it is hard to pick stocks that will do "better than the market?" Why or why not?
This study was conducted in 2010. How do you think professor's investing behavior might have changed since then?
Here's the ready-to-go slides for this Question of the Day that you can use in your classroom.
Behind the numbers...
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